5 frugal things post 45 – No spend week & Personal Finance Tools




5 frugal things post 45

Back to school, ah a sigh of relief as the boys are dropped off. Finally aged forty and ten years after starting the baby journey all three boys are now at school, the same school and I have 6 hours every day to myself. The first week has been staggered for Jack, and today Friday is his first full day. He has loved it, particularly getting to play with his big brothers at break and lunchtime. We have walked to school every day so have saved a few pound in petrol, packed lunches have been a success.

Here are my five frugal things post 45 from the week.

No Spend Week

I have very nearly managed this! I havn’t taken my wallet with my anywhere so no money has been spent on any of the school runs. No extra food has been bought this week by me. A different story for hubby who lets say its a challange to get him to understand the concept of no spend month. I did spend £29 yesterday on new nails. I love having my nails done and invest £30 every 3 to 4 weeks in have gel nails done. It makes me feel happier and more confident so its worth the money in my view. The nail colour is called poison its dark red and its beautiful.

Bean a New Personal Finance Tool




I wrote about a new personal finance tool that I discovered this week that sorts out your annual bill renewals for you!! Yes it prompts you when a renewal is due and finds you a better deal. It also cancels direct debits that you dont need anymore. Amazing. It has already saved me £6 per month from a direct debit that I hadn’t got round to cancelling. Bean have cancelled it for me, money saved! Here is a link to Bean to get an account set up and start saving your self money right away.

5 frugal things post 45

Money Saving Travel

Last weekend I was on a beautiful yoga retreat. It was in deepest darkest Devon at 230 mile drive. I had checked the train six weeks before going but looking to cost more than £100. No way. I put a shout out to the women going and a couple were driving from near by so we lift shared. It was a fab way to get to know each other in the car for five hours there and back and we split the petrol cost.

Back from the mostest fabulous yoga retreat weekend. 12 women in a beautiful Devon farm. We ate the most beautiful vegan food cooked by Lucy owner of Chia cafe in Hitchin. We did 9 hours of yoga and meditation. Our guru Helena is the most perfect tutor ever. We swam and hottubbed. We duscussed life, our experiences and lives and we chilled by the log burner. I feel so relaxed and rejuvenated. A perfect way to kick off September. Grateful to Helena for this weekend and to my new friends for making it a perfect weekend. #3positivethings 1) Amazing yoga 2) Amazing company 3) Amazing food . . . . . #grateful #yogaretreat #yoga #detoxweekend #vegan #wellbeing #healthywealth #health #relaxation #buddha #namaste #swimmingpool #lake #devon #englishcountry #countryside #lawofattraction #loa #gratitude #dailygratitude #thankful #positivity #lawofattractionquote #ukmoneyblogger #bloggingyourwaytoriches #yogaguru #yogatime #breakfast #eatclean

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No booze for September

The yoga weekend was vegan food only. It set me really positively for a healthy month of September. I have decided to have a month off alcohol. So no Thursday/Friday/Saturday night glasses of wine or gin and tonic. And no nights out with bottles of wine. September is a fairly quiet month socially so I think I can get away with it. And it will do my health so much good and will save money.

Getting ahead with Cash Flow

July and August have been tough cash flow wise for the business. The PR and marketing world slows down but personal spending goes up. We had the holiday to Corsica and general increased spending during the summer holidays with the children. September has started with some proper accountant cash flow management. I had lots of work agreed from the month of August so this work has all now been done or started this week this week with much of it invoiced. By the end of September cash flow issues should be repaired. And by the end of October I should be back ahead of the game again. Managing cash flow is one of the toughest things when you run your own business.

I am linking up with CassEmma and Becky in this week’s Five Fabulously Frugal things I have done this week linky.



5 frugal things post 45

 

 

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Lynn Beattie

Aka Mrs MummyPenny

Personal Finance Expert

I write about personal finance made simple, lifestyle choices that will save you time and money, as well as products and services that offer great value.

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