Money Making Madness Linky #2

Money Making Madness Linky #2

Welcome to our second Money Making Madness Linky #2, a fortnightly round up of some fantastic money making blog posts written by bloggers from all over the world. Our last linky was such a success, we are keen to continue with them and grow them into a huge amount of money making content for our readers. We want to read all of your money making blog posts so that we can be inspired and we can all help others – do you have an online income report, have you de-cluttered and sold your items on eBay or have you written a fantastic guide for making money online? Maybe you have an different way of making money, dog walking, DJing on the radio or knitting that you are keen to share with the world anything that earns you extra pennies, pounds or thousands!

Open to all bloggers, we look forward to seeing what you have posted recently, and how you have made extra money. We invite you to add your post to the linky.

Yours hosts

money making madness linky #1

The Money Making Madness linky is the brain child of personal finance bloggers; Charlotte Burns from Lotty Earns, Emma Bradley from Mum’s Savvy Savings, Emma Drew from EmmaDrew.Info and Lynn from Mrs Mummy Penny.

We are really excited about inviting you to join in with this linky.

Why take part?

Taking part in the Money Making Madness fortnightly linky will help you to not only find awesome bloggers and read great blog posts, but it will help to bring more traffic to your own blog posts. Give it a try, we would love for you to join in. We would love for you to take part regularly, every two weeks.

The rules

We are really excited that you want to join in, but we do have some rules for taking part in the Money Making Madness linky.

  1. Your blog post must have been published within the past 365 days.
  2. It must related to money making in some way – income reports, a new money making method you have found or something similar.
  3. You must include a link back to all of your hosts within the blog post you are linking up – you will find the HTML below.
  4. You may link a maximum of three blog posts per linky.
  5. Please visit other bloggers participating in the linky – if you would like to leave a comment then that’s great too. We would ask that you visit a minimum of 3 different blog posts within the linky.

Or copy and paste:

I’m taking part in the Money Making Madness Linky hosted by Charlotte Burns from Lotty Earns, Emma Bradley from Mum’s Savvy Savings, Emma Drew from EmmaDrew.Info and Lynn from Mrs Mummy Penny.

Just click on the link widget below and add your link.


west cornwall

Giving Back and Paying it Forward – Via Russell Brand & Grief Encounter

Giving Back and Paying it Forward

A few weeks back I got to see Russell Brand on his Re-birth tour at the Watford Colosseum. I just love Russell Brand, I have read all of his books, watched the movies, always watch him in interviews but I had never seen him live.

He was amazing, so funny, so genuine. At the interval, my friend and I got to within 1 metre of him, not quite to the front of the queue for a selfie. We got close enough to hear him talking to fans, the way he talks to people is incredible. It was like they were the most important person in the whole world. I fell in love with him a little bit more.

He spoke about all sorts of intimate, bizarre, hilarious stories but what really resonated was his giving attitude in life. He knows he is privileged with the money he has and the life he leads. Spirituality is so important to him and he believes in karma, giving back and paying it forward.

The work he did with the E15 women who were under threat of losing their homes was a perfect example. He used his celebrity and resources to promote their cause, got a media and subsequent government reaction. He helped save those women’s homes. What goes around comes around and we should all do our best to give back, be kind and help others less fortunate.

Grief Encounter – Paying it Forward

I talk about my grief, the loss of my parents and its ongoing effects regularly. If I was a child today losing my parents things would have been different. There is more help from charities and councillors and doctors. I was simply left to my own devices, resulting in a few years of chaos. I now give back by raising money for Grief Encounter regularly, I have helped them out with some social media advice and am now friends with their marketing manager Clare.

A few weeks ago, I had a few friends over for beautiful cake, made by Marianne (we are talking bake off quality), stunning stationery and chat. We were joined by my wonderful friend Julie who runs Edie & Rona, a most fabulous new stationery company. She brought her products over and we had a stationery party. Just look at my dining table. Julie will come to your house or company and do the same, drop her a line if it is something you would like to organise.

The mixture of people who came was perfect. A few ex-work buddies joined us, now running their own businesses, Kirsty from Choccie Drop, Christelle a life coach from Stellar coaching. My neighbour Lucy popped over and won the stationery bundle prize draw. Lots of local friend came over to chat and eat cake. It was such an amazing event.

We raised an incredible £145 including gift aid for Grief Encounter and had the most amazing morning. Grief encounter offers a most important counselling service, along with a helpline and email support. This money will go a long way in paying for these services, so THANK YOU to those who donated and joined us.

The donation page is still open if you want to give something back after reading this post just click here.

Paying it forward and acts of kindness

I am a believer in karma, the law of attraction and meaningful living. I do big things and simple things every day that make others feels good, which makes me feel good and the kindness flows. Just think of it as a chain reaction. Yesterday I spent the morning with Josh and his 7-year-old buddies at school. I had an amazing morning sewing puppets, chatting to the children. Turns out I’m quite good at sewing and patient with the children. It felt good to give back.

In the afternoon that kindness was immediately paid back with by a friend coming over to help tidy and sort out my office and upstairs of house. I then collected the children from school and we came home and made cakes. Whilst the cakes were baking I called up the new school that the boys will be attending when we move to our new house. I spoke the most helpful and friendly manager from the school and we chatted for 20 minutes about the admission process and the differences between an academy school and a local authority run school. She left me feeling fully informed and positive about the new school. The kindness revolves. You do something kind it will be paid back fourfold. Just imagine if you did something kind every day?

I’ll leave you with that thought x

books that have changed my life

Books that have changed my Life – Self-help to Autobiographies

Books that have changed my Life

What are your thoughts about the Book versus the E-book? I remember getting my first Kindle when I worked at EE. It was a gift given to everyone in the marketing department, we were so excited and rushed out to buy a load of books on our kindle. I used it a lot, particularly useful on holidays. Then Dylan jumped on it on the trampoline.

I do read some eBooks, but now on my phone. If it’s a book I want to focus on and maybe make notes I do like to buy the physical copy. And if it’s really special I will buy the hardback. And looking at the stats for my book that I co-wrote and self-published with Emma Bradley 80% of sales are paperback, just 20% eBook.

The tide has turned and the real-life book has made a return, hurrah. Books can change your life. They can make you cry, take you on a journey, teach you new things and help you make improvements to your life. Here are the books that changed my life. I would love to know yours in the comments at the end of the post.

Harper Lee – To Kill a Mockingbird

I read this book aged 38. It’s a classic that maybe I should have read earlier as it’s SUCH a great story. I remember reading it in Spain on a water park day. Hubby was off with the boys for 6 hours whilst my buddy Niknik and I lay on sunbed, me in the shade, her in the sun. I finished that book in six hours. I cried, I fell for the characters, I didn’t want it to end. If you read one book on this list make it this one.

Prof Steve Peters – The Chimp Paradox

Self-help books are fabulous and I have read a few over the years. This one stands out as such a powerful read, that makes so much sense. It’s based on the concept of the conscious and unconscious mind. The unconscious bit being the chimp that can take over in times of pressure or stress. The book gives you coping techniques for times when your chimp takes over and goes a bit mental. This rang so true for me and how I react in situations. You see the worst of me when I experience disloyalty to me or my family unit. Do anything to my children and I will come down on you hard, a few people have seen this side and it’s not nice. The books just give suggestions on ways to manage the chimp, ways to keep him happy.

Judy Blume – Forever

The book of my youth. My friend Becky and I used to lie on her bed aged 13 reading the book to each other. The story of Kath and Michael (and Ralph) and their love story. That book taught me a lot about relationships and sex. I just received a copy of the book from same friend Bec for my 40th birthday. I am re-reading it now. It’s incredibly well written, sweet and innocent, despite it talking about a girl losing her virginity. As I read it, it evokes all the memories and how I felt as a thirteen-year-old girl. I just love it.

Rhonda Byrne – The Secret

I bought this book on eBook and then paperback! I bought the eBook first as I was suspicious about it and didn’t want to commit more money, so I tried the eBook. This book has really changed my life. I first read it five years ago and started to live the philosophy of the book. I took bits from it that meant most to me. The Secret is a book about changing your life for the better and getting everything you want in life. Life is not a rehearsal we are here for one lifetime only so make the best of that lifetime. Practise simple things like gratitude, say thank you for everything. Surround yourself with the right positive influences, this means people, beautiful things that inspire you. Ask for things, believe and focus and things will come to you.

Susan Jeffers – Feel the Fear and Do It Anyway

This was the first self-help book I ever read, aged 23 as a graduate whilst doing my CIMA exams at HSBC. A book about confidence and feeling the nerves and fear involved in doing something big but just going for it. I have lived this principle for my subsequent life. I have said yes to scary opportunities, I have pushed myself beyond my boundaries and its benefited me so much. It’s got me to the this place now, running my own successful business.

Karren Brady – The Truth About Getting to the top

I love an auto-biography! I read this one from cover to cover within a couple of days. Karren has the most amazing story. She has made it to the top in a very male world and does it in style. She plots the course of her career. Discusses traumatic events, she nearly died you know, shares mistakes and learnings. It’s such a good book.

Please tell me the books that have changed your life.

Books that have changed my Life

transition, decisions and change

June is my time for transition, decisions and change – The Mind




June is time for transition, decisions and change.

June is a strange month. It has always signified transition, decisions and change all through my life. It sees the beautiful warm sun and heat return along with the longest day of the year. This year the 24th June saw a new moon which for me signifies change and new beginnings.

June 1993 – Aged 16

If we go back to 1993 24th June, 24 year ago it was my mum’s birthday. I got her some fine gold and crystal drop earrings that I still have in my jewellery box. She wasn’t feeling very well and didn’t do much for her birthday. She was weak and couldn’t walk far without getting out of breath. The heat of mid-June wasn’t helping. Two days later she had a heart attack and died a few hours later. The most significant time of transition, decisions and change kicked off there and then.



June 2013 – Aged 36

Fast forward to June 2013, twenty years later. I always seem to make big changes in June when I am at my most motivated and productive. Four years ago I set up my Mrs Mummypenny website whilst on maternity leave. In one day, I came up with the name (brain storming with wine and a brilliant friend is creatively lucrative), bought the domain name (.com and .co.uk), the Facebook page, Twitter, Instagram, Pinterest, Google and YouTube. Boom. My fourth baby was born, very soon after my third!

June 2015 – Aged 38

June 2015 saw me leave my corporate job. I had returned to full time work after my maternity leave ended with Jack. I went back to my EE digital sales role, but quickly moved onto a promotion as a senior commercial manager for retail franchise (thank you digital director Dom for listening to my plans and helping with roles at EE). A tough job, really tough that saw me negotiating contracts and commercial terms with franchisee partners. It was a great job, I had a lot of responsibility and could make real change. I felt like I was doing good for both EE and the franchisees by brokering the right deal commercially for both parties to benefit financially – WIN WIN.




But alas things change. A new female boss came in and clipped my wings. She made me feel useless and incapable of anything. My thoughts were, do I fight or flight? Her thoughts were, Lynn, you need to make a choice between your family or your job. I am a big believer in choosing your battles. She was more senior than me and was seriously affecting my mental health. Im not one to create huge waves (unless you do something to my children!), so I chose flight. Flight with a nice compromise agreement and I left in June 2015.

June 2017 -Aged 40

Today sees me celebrating two years in the self-employed business world. Whoop to getting through the tough first two years of business. We have managed to pay the high mortgage and bills for two years. Okay we have amassed some debt, but that’s 0% and not the end of the world. You can read that story that appeared in the Huffington Post here.

This June saw me do a few things that have stimulated significant change. No 1) I had a meeting with a mentor who planted big seeds about investment in my business and making significant changes for growth and authority. No 2) I enrolled in a course – PR from the heart which is guiding me in my planning and objectives, the what for the next year. No 3) went on a perfectly timed trip to West Cornwall where I lived for the first 18 years of my life. I had some spiritual, enlightening moments on Sennon and Porthcurnow beaches.

west cornwall




These three actions/events have enabled me to work on a clear path for my business. They have also helped with the decision that’s been bubbling on for a year now about relocating. We are moving 100%, to Godmanchester, a town near to Huntingdon, Cambridgeshire. New house and schools for the boys. It will mean we can go pretty much mortgage free with a bigger house and garden (moving 50 minutes north means houses cost £100/150k ish less than Knebworth). We will be 50 mins from London by train (we are currently 30 mins). The secondary schools are amazing, the primary school is brand new and opening in Sept 2017 (an academy school). We will be significantly closer to Cambridge where we go 4 to 5 times per week or football for the boys. It’s all looking positive, so we are off. On an adventure to a new location. Decision made.

Thanks to a few wonderful blogger friends who have helped with advice and posts on the subject of relocation, academy schools and new builds:-) Danielle of someones mum wrote this post about Academy schools. Katy of Katy Kicker and Chammy of CammyIRL had two very different views on the quality of new build properties. And thank you to Sara of Debt Camel for digging out an article from The Guardian on new builds. Interesting reading on areas that I have never had to consider before.

Such a beautiful village. @ohneil and I took a trip to #godmanchester. We had a wander, ate lovely lunch at the white Hart. Walked along the river ooze. #gratitude to my friends, you know who you are who make my life so much simpler. Helping me to make decisions and help to download everything from my head onto paper/plans. #futureisbright #3positivethings 1) Loved my conversations today..particularly over dinner with Em. 2) Making some big decisions which feels great. 3) Got me a new logo and strapline..exciting. . . . . . . . . . #lawofattraction #loa #gratitude #dailygratitude #thankful #positivity #lawofattractionquote #moneysaving #frugal #ukblogger #ukbloggerlife #ukmoneyblogger #bloggingyourwaytoriches #cambridgeshire #relocation #makingdecisions #lunchwithfriends #friendsarefamily #rebrand #newlogo

A post shared by Lynn James (@mrsmummypennyuk) on

Do you have times of the year where you gain clarity and make big decisions? Was there an event that triggered thsi time of the year to be so significant?

transition, decisions and change



5 frugal things post 35

5 frugal things Post 35 – Hen Dos, Festivals and Rings




 5 Frugal Things post 35

First an apology as I know my 5 frugal things posts are popular. I missed a week last week, but as a bonus that means you get two weeks’ worth of frugal things I have done!

The past two weeks have been extremely busy at the weekends, one of which was a hen do in Cornwall. The weeks times have been busy work wise but I haven’t had to get the train anywhere, a nice rare treat of not needing any additional childcare and plenty of time to focus on writing and planning for the future, including my fabulous new logo ( thank you Super Lucky Di Coke, competition queen of the UK). New website design to come soon (thank you Emma Drew, money making blogger queen of the UK for helping with this choice). Also some major life decisions have been made which feels good.



Hen Do

I’ll start with the hen do as it was SUCH a bargain time. The whole weekend cost £116. 3 days in West Cornwall including accommodation, food, drink, theatre, dinner out and petrol. It was a 330-mile drive to St. Just via Bristol and Exeter to collect two of the hens, money saving part 1, we shared the petrol. Total cost for 700 miles driven was £80. I paid £40 as I lived so far away and the other shared the petrol money. Another hen was drinking so did the evening driving meaning we saved on taxi costs as well.

west cornwall

The mobile homes and Tesco shopping and Minack theatre tickets were covered by the £60 each that we gave to the bride who booked everything. The only extra we paid was £16.50 to the Meadery each for dinner. It was such an amazing weekend which you can read more about here.

Aldi Bargains

I have found a new good time to hit Aldi and whizz around as fast as possible picking up bargains. 9pm on Thursday night is good. No people, no queues. It was great. And I found some brilliant bits. Their camping range is available right now. Get tents for £20 or blow up beds for £10 or my personal favourite that I use all the time a hammock for £39.99. It’s a permanent fixture in our garden and I film lots of YouTube videos from it!!

They have a nautical home range with the most beautiful home wear pieces, bedding, lights, candles. I picked up three Yankee candle mimic products. They smell the same and cost £1.99. I love my candles so I was really happy with this purchase.

 

Moving to a new house

We are moving to a new house and I am doing lots of investigations into cost effective ways of moving. I have been comparing the cost of estate agent fees of high street versus online. There is such a difference. We have friends who own an estate agents in our village that we would use to sell our house through but that would cost £4,500 if we paid 0.75% plus VAT.




I have also spoken to a company called eMoov who will sell the house for £700. They are online, they take the pictures and advertise on Right move etc. They also chase the sale though. Interestingly they valued our house at the same value as the high street agent. It would be our responsibility to be here and sell the house to buyers who looked around. It could be a big way of saving money. I wrote about the costs of moving house a while back on the blog

Going to a Festival

We are off to Standon calling at the end of July. Festivals can cost the earth but not for us! I wrote about my excitement here and learnings from last year. The benefits of this website mean we can save a huge amount of money. Firstly, the tickets are free of charge, saving us around £400 for weekend camping tickets. I do a fair bit of work for those tickets, blog posts plus the weekend at the festival will include lots of social media sharing, Facebook live, Instagram etc.

All of the camping gear and clothes has been supplied by Aldi for which I am most grateful for. The cost of the festival will be what we spend when there. Last year we managed to get through £250 but we ate what we wanted, went on all the rides, ate tons of ice-cream. I am sure we can considerably reduce this cost this year by being better prepared with the food and drink that we bring. I can’t wait.

Goldsmiths Ring Resizing and Clubcard vouchers

I finally got around to collecting my rings last week from Goldsmiths. I’ve got three rings, engagement, wedding and eternity and I had a few scary moments of losing them. Losing weight meant that my fingers reduced in size by three sizes! My wedding wing came from Goldsmiths, which I paid for back in 2007 using my Tesco Clubcard vouchers so I did the same ten years on and got them resized using my vouchers. It was £114 for two rings (the eternity ring was a big job as the diamonds would also need to be reset so I decided against that big cost) and I used £36 worth of vouchers x 3 of value to pay for the work. The work cost me £5 for both rings that now fit hurrah.



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5 frugal things post 35

Standon Calling 2017 – Its Festival time!!




Standon Calling 2017

Have you ever been to a festival? Its Glastonbury weekend and I just love watching the coverage on the TV and have wanted to go for so many year, alas never made it, the tickets always go within 2 minutes and I missed out on working there when I was at EE. Then aged 39 along came Standon Calling. I like to think it’s a bit like Glastonbury on a smaller more intimate level. I went along last year for the whole weekend with the family and had such an amazing time. We have been invited back again this year and it’s looking even better. I cannot wait.

Essential details

Standon Calling is held in a few large fields in Standon village, Hertfordshire, not far from the town Ware. Quick to get to from Liverpool Street in London and most convenient for me as I live 20 minutes away. The doors (gates!) open on Thursday 27th July, with most of the entertainment starting on the Friday.




The headliners are totes amazing, I write this whilst listening to Orbital (I cannot wait, did I say that!). Grace Jones (!!!!), like so excited about seeing her, Clean Bandit, Orbital, Editors, Slaves, KT Tunstall , Laura Mvula…the list goes on and on. I am also very excited about the fancy dress, the theme this year is enchanted forest. I am thinking little red riding hood (home made) with my new festival wellies that Aldi kindly gifted me😊

Last year we camped on the Friday and Saturday nights, hubby wasn’t so keen on camping, but the kids loved it. This year my buddy Neilboy is coming instead of hubby and the boys are going to come in the daytime to soak up the atmosphere. They can then be picked up at 6/7pmish to leave Neil and I to enjoy the evening activities and have a few responsible drinks. We can crash in the tent late! Aldi have most kindly sent me a tent, a tent mat and 2 sleeping bags. They have the most amazing range available in store right now, and online, check it out here.




Learnings from last year

  • Don’t pack so much stuff. We literally had a whole Smax car full of stuff. Tent, sofa, hammock, airbeds, duvets, food, drink. It was excessive. And so much hard work getting the stuff from the car to the family camping area. I think that was the bit hubby didn’t enjoy!
  • But do take food. The food in the festival area is amazing but it’s expensive, as are the drinks. So why not stash some food in the camping area with drink and sit and chill there with some nibbles and a bottle of cider or two. I know that’s what we’ll be doing.
  • Take a bikini or trunks. The swimming pool area is beyond cool. And the wellbeing area has hot tubs. I am definitely going in them this year.
  • Make time for the wellbeing area which is at the top of the hill, really near the family camping area. There is yoga, meditation and all sort of mindfulness activities. I want to spend many hours here.
  • Take something to sit on in the festival area. Lots of people had these long blow up sofa things, £20 on Amazon, thank you very much ordered!

  • Don’t take the kids to the late music acts, we were at the front of the stage for Jess Glynne, but the boys fell asleep 15 minutes before she started at 10:15. Gutted. We listened to her on the walk back to the tent, she was amazing!
  • Plan your weekend, the acts you want to see, the activities you want to do. There is so much going on and you wouldn’t want to miss out on the fab stuff. From the karaoke competition (I am so doing this this year) to the glitter stand to the le bun bottomless brunch.

Take a look at my review from last year for all the gossip, the good and the bad, and click here to get your tickets for Standon Calling. I will see you there, look out for the red riding hood with glitter everywhere!!

This is a collaborative post, I will be receiving my tickets as a gift.



samsung tablet giveaway

Fabulous Samsung Tablet Giveaway

Fabulous Samsung Tablet Giveaway

I am super excited to announce another fabulous collaborative competition brought to you by 10 of the best bloggers in the UK! Clubbing together means that we can offer a very cool prize and this time it’s a Samsung tablet. I am a huge fan of Samsung and have a few things, phone, TV, tablet, fridge, microwave(??). Yes you could say I am a fan. The tablet I have which is a two year old model battery lasts such a long time. It lasts so much longer than the Kindle fire and Hudl, other tablets we have in the house.

Today we are here to celebrate the start of summer, with some fantastic bloggers and I, having teamed up together to offer one of our lucky readers the chance to win a Samsung Galaxy Tab E 9.7”.

For those who are new to collaboration giveaways, they offer us bloggers a chance to giveaway a bigger and better prize than we could alone, with each blogger contributing to the prize fund to offer you an amazing gift.
So who has teamed up to bring to you this prize:

samsung tablet giveaway

Melanie’s Fab Finds | Just Average Jen | The Mighty Duxburys | Mrs MummyPenny | Missing Sleep | Boxes & Swatches | Mother Distracted | EmmaDrew.info | Precious Little Worlds | Futures

So how can you be in with a chance of winning the Samsung Galaxy Tab E 9.7”? Well all you need to do is let us know:
What is your top tip for keeping cool in the summer heat?
a Rafflecopter giveaway

Good Luck.
This prize is being administrated by Sarah of UK Bloggers / Life in a Break Down for any issues please contact her at sarah@uk-bloggers.co.uk. For full terms and conditions please view the Rafflecopter widget.

save for your child's future

Saving for your child’s future – Junior ISA’s, savings & bonds

Saving for your child’s future

Even when times are tough I put money aside for the boys.  As the years progress things are getting more and more expensive, things like university, car insurance or buying a first house. Any nest egg we can provide for them will be a great help when they reach a certain age. They current have a Junior ISA each and regular easy access savings accounts.

children are growing up

Equilibrium has pulled together a fabulous guide to help young families plan better for the future, here are some things that you might want to consider.

 We all want our children to be financially secure when they grow up. Luckily, there are things that parents can do today that can make a real difference tomorrow. From choosing a suitable savings vehicle to starting a pension early, there are plenty of ways to get the ball rolling.

Not only does saving for your child give them a great start to their adult life, it also teaches them important lessons about money, especially the rewards of saving. By putting money away for your children from an early age, you are setting a great example and hopefully laying the groundwork for a lifetime of sensible saving.

Junior ISAs

There are lots of savings vehicles to choose from, it’s just a case of picking the one best suited to you and your child. A Junior ISA (JISA) is a particularly popular option. They are available for children who live in the UK and are under the age of 18 and are, effectively, tax-free, long-term savings accounts for children. They are very useful for building up a substantial pot over long periods, such as throughout your son or daughter’s childhood. For the 2017 to 2018 tax year, the savings limit for JISAs is £4,128.

You have the choice of two types of Junior ISA, a cash JISA and a stocks and shares JISA:

  • A cash Junior ISA is a tax efficient savings vehicle, which allows your child to receive tax free interest on the cash saved. The interest rates and returns will vary depending on the institution offering the cash JISA.
  • A stocks and shares Junior ISA aims to provide a tax efficient investment with the potential for capital growth in the medium to long term. The cash within the JISA can be invested into a wide variety of funds, with no tax paid on any dividends or capital growth received. Funds invested within a Stocks and Shares JISA are at risk, as there is the possibility that the value of the funds could go down as well as up, meaning that you may not get back the amount invested.

Children’s savings accounts

Children’s savings accounts offer a popular alternative to Junior ISAs and are seen by many as a great way of getting children into good savings habits. A child can, for example, begin managing their own account once they turn seven. A parent can set up an account with a bank or building society on behalf of their child, and certain providers will encourage this by offering gifts. These gifts are often geared to encouraging a child to save; for example, a money box can show the benefits of putting a little aside every so often.

Children’s bonds

Another option is children’s bonds. While the child owns the bonds, it is only their parent or guardian who can buy them, and it is they who hold the bonds until the child reaches 16. Bonds represent a long-term, tax-free investment and allow parents to have more certainty over the return their child will receive. However, they may not be suitable if your child wants control over their money, nor if they want early access to it, and with this being an investment you might not receive back the amount you invested originally.

save for your child's future

Starting a pension

It may seem odd to be thinking about starting a pension at such an early age; however, doing so can be a good way to build up a substantial savings pot for much later life. While this might not appeal to everyone, it is certainly not unheard of and is sometimes a preferred option among parents who do not want their children to have access to their money at the age of 18. It might therefore be suited to those with an eye on a long-term approach to financial planning. Whilst capital will be at risk, this can be mitigated by the length of the investment, as the earliest a child can access their pension is 55, meaning that volatility or loss in the short term will have less of an impact.

Whatever savings vehicle you choose, be sure to do the necessary research beforehand. While some options may work for one family, they may not be suitable for another. Just remember that whatever you begin to put away now, no matter how little, can make a big difference further down the line.

Equilibrium’s Guide to Wealth Management for Young People is aimed at people aged 25 to 40 who are looking to plan their finances now to help their family in the future.

This is a collaborative post.

healthy body and mind

My Healthy Body and Mind Progress Update #2




My Healthy Body and Mind Progress Update #2

My aged 40 healthy body and mind regime properly started at the beginning of June. The mission began with this post, photos, measurements and an admission of self-loathing of my body. It struck a chord with a lot of people who have messaged me or mentioned it on the street. Now those same people are telling how good I look as my body starts to change. Keep saying it peeps, every nice comment knocks a tiny bit at that hag in my head telling me about my fat tummy or fat bingo wings. You can tell I am not quite there yet!

This is me. In a bikini. In the freezing Frinton sea on Sunday. This is a very big deal of a picture for me to post but I want to share with my followers the reality of a 40 year old 11 stone body. My weight has fluctuated my whole life from 16 stone to my now stable 11ish stone. I am working with a personal trainer, post coming later this week. I want to tone up and make the most of what I’ve got. Kane is helping me with nutrician, toning, fitness planning and mental fitness. I’m excited about the journey. . . . . . #fitness #personaltraining #nobullfitness #seaswimming #freezingsea #frinton #essex #postbabybody #40yearoldbody #what11stonelookslike #11stone #size10 #size12 #bikini #halterneck #instasummer #eatclean #toneup #fitfor40 #fitforty #swimming #prada #pradasunglasses

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Training Sessions

I have now had four sessions with Kane, with varying degrees of pain. The last session was last Saturday at 8am, the morning after a few Pimm’s the night before. A dose of milk thistle and a nutritious fruit, veg an ginger smoothie did the trick to give me energy. Dylan came along too. He had us rowing (I won), lunging and squatting (Dylan won), hill running (just awful, Dylan thrashed me) and then dead lifts (I was much better at lifting, Ilifted maybe 32kg).

The other sessions are always a mixture of working different parts of the body. There has been pulls ups, chin ups, strange stomach crunches (after which I ached for 5 days!), lots of rowing, lots of hills runs, lots of work with weights, bar and dumbbells. My body is changing, I am looking forward to remeasuring my body one month after the first time.

Other Exercise that is Free

I am ‘meant’ to be doing two other exercise sessions a week. But realistically I am doing one other formal one. I do a Pilates or Yoga session from YouTube. Channels like Psyche Truth are good.




I am also meant to be going for a run or a bike ride as well. But my current problem is that I ache for about 4 days after each PT session, making a run quite a challenge. I have been for a couple of runs sine starting the regime and my 5km times are impressive. So I do either a run or a yoga/pilates session.

Nutrition

Since starting personal training with Kane I have been sending pictures of everything I eat via WhatsApp messages. I am aware of a few things: –

  • I am not drinking enough water
  • I am not eating my 5-7 fruit/veg a day
  • I am eating too much red meat
  • I am drinking too much alcohol
  • I have a thing for crisps

But on a positive

  • My gluten/bread consumption is very low
  • I eat very little dairy
  • I love my fish
  • I start each day with a hot water and lemon
  • I only drink one coffee a day
  • I eat very few takeaways
  • I eat less than 2000 calories per day (but mainly because I miss out meals)

healthy body and mind

This week our session is going to be nutrition focussed. I know what I am doing wrong and am prepared for a little telling off.

Healthy mind

I am working hard to battle the demons in my head that always tell me about my fat tummy. I had a styling session with my friend Clare and she found me the most beautiful clothes from H&M which make me look fabulous and slim! I can look at pictures of myself and see that I look good. Pictures of me in a bikini or underwear are a struggle to look at. Although it doesn’t stop me wearing them, especially in this heat.

Getting new bras fitted also helped with my mindset, the new bras give me such a great shape and again make me look slimmer.

I have also been doing an online PR from the heart course, all about finding your business purpose from the heart rather than the head. Its helping me greatly to focus on the right things form Mrs Mummypenny and it’s also impacting my personal life and making me challenge everything I do and say. Is it from the heart or the head? I am being grateful and authentic at all times whoever I am talking to or what I am doing.

healthy body and mind




Money Making Madness Linky #1

Money Making Madness Linky #1

Welcome to our Money Making Madness Linky, a fortnightly round up of some fantastic money making blog posts written by bloggers from all over the world. We want to read all of your money making blog posts so that we can be inspired and we can all help others – do you have an online income report, have you de-cluttered and sold your items on eBay or have you written a fantastic guide for making money online? Maybe you have an alternative way of making money that you are keen to share with the world from up-cycling furniture to making hair bows to making cards anything that earns you extra pennies, pounds or thousands!

Open to all bloggers, we look forward to seeing what you have posted recently, and how you have made extra money. We invite you to add your post to the linky.

Yours hosts

money making madness linky #1

The Money Making Madness linky is the brain child of personal finance bloggers; Charlotte Burns from Lotty Earns, Emma Bradley from Mum’s Savvy Savings, Emma Drew from EmmaDrew.Info and Lynn from Mrs Mummy Penny.

We are really excited about inviting you to join in with this linky.

Why take part?

Taking part in the Money Making Madness fortnightly linky will help you to not only find awesome bloggers and read great blog posts, but it will help to bring more traffic to your own blog posts. Give it a try, we would love for you to join in. We would love for you to take part regularly, every two weeks.

The rules

We are really excited that you want to join in, but we do have some rules for taking part in the Money Making Madness linky.

  1. Your blog post must have been published within the past 365 days.
  2. It must related to money making in some way – income reports, a new money making method you have found or something similar.
  3. You must include a link back to all of your hosts within the blog post you are linking up – you will find the HTML below.
  4. You may link a maximum of three blog posts per linky.
  5. Please visit other bloggers participating in the linky – if you would like to leave a comment then that’s great too. We would ask that you visit a minimum of 3 different blog posts within the linky.

Or copy and paste:

I’m taking part in the Money Making Madness Linky hosted by Charlotte Burns from Lotty Earns, Emma Bradley from Mum’s Savvy Savings, Emma Drew from EmmaDrew.Info and Lynn from Mrs Mummy Penny.

Just click on the link widget below and add your link.