Whilst travelling in the US last year, I met a wonderful American couple. He was retired Military and in conversation they told me about all the discounts and deals in place in the USA for military personnel and veterans as a thank you for their service to the country. It got me thinking – do … Read the rest
Author: VE
Why guarantor loans are a terrible idea
You’ve probably all seen the television adverts for an Amigo Loan, even if you haven’t taken in what they are for. Guarantor loans, such as the ones by market leaders Amigo, are pitched as something that can improve your credit, help you get out of cdebt, and something your best mate can help you out … Read the rest
Debt Camel – an interview with founder Sara Williams
I started I Beat Debt to share my story of getting through the debt management process and to get people talking about money issues. I only have experience of my journey in and out of debt but there is so much more that people want to know about debt and related topics. One of my … Read the rest
Is becoming an apprentice a good financial option?
I received a lot of questions during the Christmas Cash Challenge about my apprenticeship. I’m a thirty something apprentice and proud of it. Gone are the days when apprentices were doing manual labour such as a car mechanic earning a pittance. Since the introduction of the Apprenticeship Levy in 2017, more and more organisations are … Read the rest
Facebook local groups now the target for gambling companies
Lotty Earns recently wrote an expose on how a financial company in the short term finance sector were using Facebook local selling groups to promote their products under the guise of a local person posing a question about needing money quickly, and another so called local person replying and recommending the company under the guise … Read the rest
How Side Hustles Led to me Earning a Full-Time Income From Home
I’m Clare, and I blog over at My Money Cottage sharing my top tips for making extra money from home and how to stretch the family finances that little bit further.
My side hustling first started back in 2008 when I was pregnant with our daughter. It seems like such a long time ago now, … Read the rest
Heating your home for less this winter
I don’t know about you, but I swear not that long ago we were in the middle of a heatwave that felt like it was never going to end, and now, I am wearing thermals to work and I’m back to scraping the ice off the car in the mornings! It’s no wonder Brits talk … Read the rest
My debt story
Where it began
Several years ago I found myself with debt that was in the £1,000s. Whilst my dad was terminally ill in a hospice, my employer at the time said I had to either come back or leave. Clearly I chose to leave and be with my family. Unfortunately my father didn’t have much … Read the rest
Debt Snowball v Debt Avalanche
The term Debt Snowball has been around for a while now. Originally coined by the American money Guru Dave Ramsey, it has gained popularity in the debt free community for it’s simplicity and apparent effectiveness. What is it and is it the right approach for you though?
Debt Snowball
In short, the Debt Snowball approach … Read the rest
What should I spend my money on in 2019?
I’ve set myself some pretty serious money goals for 2019, and my intention is to do my absolute best to meet and even smash them, but I am still going to need to spend money in 2019 so how am I going to decide what should I spend my money on? Well, the essentials … Read the rest