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APPS THAT CAN HELP KEEP YOUR FAMILY BUDGET ON TRACK

 

 

It’s official, UK inflation has hit an all-time high.  What does this mean for families?  Fuel and food prices rising and continuing to rise with the average household having to spend £000’s more on the likes of fuel, food and utility bills.

 

While there is nothing a family can do about the situation that plays out in the economy, it is possible to take steps to reduce the impact on your family budget.

 

Budgeting

As a mum of two teenage boys, I know how difficult it can be setting and sticking to a family budget, but it’s a very useful tool keeping track of your spending – it is a visual aid which you can use to reduce or cut back.

 

While the old-fashioned method of pen and paper is sound, most of us own smartphones which are by our side night and day, so I decided to road-test two free-to-download budgeting apps to see how they work and if they could help track our family spending.

 

Wally App (available on iPhone & Android)

The Wally App is a personal finance app that helps you compare your income and expenditure, it also allows you to set goals and keep track of your spending.  One of my feature features of this app is the option to add a photo of your receipt – that way you know exactly what you purchased, where, when and for how much – it is a real eye-opener seeing all your receipts in one place!  The app is totally free with the additional bonus of being advert free!

 

Toshl (iPhone & Android)

Toshl Finance is an app that allows you to keep track of where your money goes with an additional feature of being able to set a reminder of when you need to pay bills.  It is very straightforward to use and it is easy to place your spending in to separate categories or setting up new categories.  The easy to use budget calculator shows how much money you have left once you make purchases but an excellent feature is that you can set a goal of what you want to spend, it will then let you see how much you have left – a fantastic visual way of knowing the amount you have left in the bank!  Another clever feature is the ability to set a reminder on the app which will notify you to add your spending – extremely useful for all busy parents.

 

Smart shopping

For some families, grocery bills can be a bank balance strain – especially with teenagers in the house!  Over the past year, I have tested several apps and have saved £000’s on my grocery shop. These smartphone apps could help you stay within your household budget or even reduce your grocery bill with the added benefit of you not having to turn in to an ‘extreme couponer’ to benefit from free grocery items or money off!

 

Put quite simply the following apps give you back money you spend on items that they have listed on their particular app.  The difference between the app as opposed to a coupon is that you need to purchase the product first before getting your money back.  Each app has a different selection of products with some at times offering 100% cashback – making the item free!

 

CheckoutSmart

 

This app allows you to claim cashback on items you’ve bought from some of the major supermarkets and other retailers such as Superdrug or Boots.  Free to download, the offers change or update each week.  The offers can be valid for in-store or online so it’s best to check the terms and conditions for each item.  It is extremely easy to use, you buy the product, when safely at home take a photo of your receipt, upload it via the app and receive the cashback directly to your bank account or Paypal account, although there is a minimum payment withdrawal of £5.

 

Shopmium

Another cashback app which is very straightforward to use, you browse the products on the app, make a purchase, scan the item and upload your receipt in the comfort of your own home.  Payment is normally within 72 hours and is automatically transferred to your bank or Paypal account each claim you make.  A great feature of this app is the option to view the nearest store to you where you can make a purchase, so you should have no problem knowing where to go!  While most of the items are grocery items there are times when they offer a discount on wine or beauty products.

 

Have you used any of these apps before or are you going to start using them?  We would love to hear your comments.  Let us know your thoughts and especially let us know how much you save!

 

Happy money saving!

 

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Also head over to Becky at Family Budgeting to read my guest post on more top budgeting tips.

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THE SPENDING HABITS THAT COULD BE CAUSING YOU TO WASTE MONEY?

spending habits

I love treats, but sometimes the treat becomes a habit and before you know it, you are spending hundreds each year!  So I wanted to share with you some of the bad habits that we can get in to without realising it.  By pointing these out you can then decide if you want to stop and start saving the money.  I can assure you your budget will thank you for it!

 

Coffee Shops

It is so easy to nip in to a coffee shop on the way to work or during your lunch hour.  Even more so during the summer when the offering is even more delicious with smoothies!  But did you know that if you are buying a coffee at £2.50 each day, over the year it would add up to £650!  Now that’s a tidy sum to be saving.  Why not purchase an insulted coffee mug and brew your own coffee at home?  There are so many beautiful blends out there you may find one that is nicer than your regular coffee shop one too!

 

spending habits

 

Television

You know the song goes, 57 Channels (And Nothin’ On)?  Well it is more like 200 channels and often there is nothing on!  Many of my friends pay for TV packages that they don’t watch.  Why not spend some time writing down which channels you do watch and then see who has a better deal on specific packages.  If you don’t often watch TV, consider ditching it altogether and using your computer, that way you could also save on the TV licences.  But make sure you check out the legal requirements of ditching your TV licence first.

 

spending habits

 

Gym

I still have friends who pay for gym membership and rarely go.  Don’t waste your money on something you don’t use.  Cancel it immediately and download some of the free apps if need a little motivation to get fit.  You can also download the likes of from Couch to  5K and within a few months you will be running!  If you are the type of person who needs the gym to motivate you, there are many pay as you go memberships which could work out much cheaper.

 

spending habits

 

Mobile Phone

Are you on the right contract?  Track how you use your phone and how much data you use over a month.  You may find it cheaper to switch to a sim only deal.  Check out the great offers on Go Compare  to compare your current deal.  There is the potential to save hundreds on your mobile phone bill.

 

spending habits

 

Do you have any other suggestions that could save money?  I’d love to hear from you.

 

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HOW TO GROW THEIR INTEREST: CHILDREN’S SAVINGS

children's savings

I still have the £1 premium bond that my Grandfather gave to me when I was born. I still haven’t won anything, but on the upside it is still worth £1! It was quite a traditional thing back then for a premium bond to be bought for someone as a gift,  either for a baby or for the parents of a new child and, statistically, a few must have won prizes and the gift turned out to be much better than expected. That said, I suspect there are a lot of lower denomination Premium Bonds lying in drawers throughout the country that are still worth their face value.

 

 

Premium  Bonds can still be bought, and the chances of winning a prize of up to a million still exists, albeit at odds of 30,000 to 1! If you would like to know more, have a look at the NS&I website. https://www.nsandi.com/premium-bonds The big difference now compared to when I was born is the initial cost, or if you prefer – investment. If you want to try your luck with Premium Bonds now, then the starting price is £100 and if you are a parent or grandparent then they can still be held for a child, but what if you want to give a lower amount, or a varying amount now and again or even a fixed regular amount?

 

Well, here are a few ideas:

 

 

While you’re on the NS&I website, take a look at their Children’s Bond. Currently they are offering a tax free return of 2% fixed for 5 years and the minimum investment is £25. Maximum age at commencement is 16 so investments can be staggered so that the last one matures at age 21. As with Premium Bonds, the Children’s Bond carries no risk to the original deposit.

 

 

There are many easy access deposit accounts aimed at children, a quick search on a comparison site will soon reveal who is offering the best interest. Some even offer better rates if a commitment to regular saving is made. Putting money in these accounts couldn’t be easier, but getting it out is also just as easy, so if you would prefer your gift to be more of a definite long term plan, it may not be the route for you. They are however, ideal accounts for youngsters to learn how to manage their money, save up for something, understand how interest works and, for the older ones, the use of cashcards.

 

 

Junior ISAs offer both cash as well as stocks and shares saving for children. This tax year, 2017-18, savings of up to £4128 can be made in either or divided between both types of plan. Regular monthly savings are also allowed with typically £25 per month being the minimum for a stocks and shares Junior ISA. Remember though that just because they are for children, there is no concession with regard to the risks involved. Unlike the Junior Cash ISA, which is straightforward and simple to manage and understand. The Junior Stocks and Shares ISA, while offering the temptation of greater investment returns over a long term, still has the risk of losing money in times of poor investment and will attract fund management charges which, as with all investments, will erode returns. If you are going down this route, then make sure you fully understand the charging structure before you start.

 

 

With all of these options the money will be in the name of the child and some can only be accessed at a certain age. Junior ISAS for instance can only be accessed at age 18. There is an option to transfer the funds into an adult ISA, but there is also the option of full withdrawal. When we start these plans, 18 years seems an awfully long time away, but it definitely passes quicker than you may think and you need to consider whether you want your child to have full control over what has been saved for them.

 

Contrary to popular belief, children are liable for paying tax and have the same tax free allowance as an adult. This year it is £11500 and while it would take a fair lump sum to generate that amount in interest it is always worthwhile looking at the potential tax consequences of any savings or investments you may undertake.

 

A guest post by George from the Retired Broker.

 

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5 EASY WAYS TO SAVE MONEY NOW

How to start saving

Saving money is something that most of us want to do but practicing it can be a whole different thing, especially when you have kids, a mortgage, and household bills that seem to keep rising.  But I promise you, you can save money each and every day with a little dedication – some people call it a thrifty life but call it what you will if you can save money on things you spend everyday then you can keep that money for something you really want!

 

Below I’ve listed some great ways you can start saving money today…

 

GIVE REUSED A GO

Once upon a time it was called second hand but these days it’s chic to go reused!  If you need to buy furniture, bikes, curtains, even clothes try the likes of eBay or your local Gumtree where you could save yourself a few pounds.  I always have a look on my local Gumtree as the quality is great and the price is just right for my budget.

 

 

GET IT FREE IF YOU CAN!

I absolutely love Freegle, just google it to find your local Freegle group.  People want to save items going to landfill so they offer them for free on these groups.  I’ve given away a few items and received a few through this means so why not give it a try? Also, remember to use your local library if you want to read the latest books, there are also Councils who offer free kids books to read and when you are finished you return them – go have a wee look to see what you can get for free.

 

 

HAGGLE WITH YOUR CURRENT PROVIDERS

A great way to save money is to phone up your current utility, phone or cable providers and ask them for a discount.  I have saved hundreds this way and all it takes is the cost of a phone call.  Be friendly and just explain you are trying to save money.  Good luck!

 

 

VISIT CHARITY SHOPS

I love charity shops, why not visit some of your local ones and see what you can find?  I often get some bargains in terms of clothes for myself with some items only costly £1!  Many people visit charity shops now with some even calling themselves vintage!

 

 

BUY SEASONAL ITEMS AFTER THE EVENT

I do this all the time to save hundreds especially after Easter and Christmas.  Shop in the January sales for Christmas wrapping paper and cards and maybe get some gifts with 70% off.  Go Easter egg hunting after Easter to get huge discounts on all types of chocolate and stock up if you’re kids like a treat.  You can also try this after Mother’s Day or Father’s Day too.

 

Happy Money Saving.

 

Elf x

 

THINGS YOU CAN DO OR SELL TO MAKE EXTRA CASH

HOW TO EARN CASHBACK FROM SHOPPING ONLINE

MAKING EASY MONEY WITH SURVEY SITES

EARN EXTRA MONEY FROM CLICKWORKER

WANT TO MAKE MONEY WITH YOUR OLD RECEIPTS?  READ ALL ABOUT IT HERE.

WANT TO EARN GIFT VOUCHERS?  READ MY REVIEW OF SWAGBUCKS.  

INTERESTED IN KNOWING WHAT A VIRTUAL ASSISTANT DOES AND HOW YOU CAN MAKE MONEY?  READ MORE HERE.  

WANT TO GET PAID FOR COMPLETING SURVEYS?  READ MY POST ABOUT PROLIFIC ACADEMIC HERE.

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GROWING YOUR NEST EGG: TOP TIPS FOR BEGINNER INVESTORS

Tips for Investing

A guest post by The Retired Broker, visit his blog here: http://theretiredbroker.com/

Please follow him here: https://twitter.com/retiredbroker

 

 

Thinking of investing some of your cash?  Below are some hints and tips to think about before making a decision.

 

Paying for Financial Advice

First, you have a choice of whether to take financial qualified advice regarding where to invest your money.  The key factor here is cost as you will be required to pay for this advice which could cost you 2% which means if you get a return of 2% in the first year you are back to square one!  There are a lot of websites out there that can provide you with generic information, it may be best to make the most of these if you decide not to seek qualified advice.

 

Investment Term

The length of time you want to invest depends on when you might require your money back.  The timescale of 5/10 years is regarded as medium to long term, anything less than this is considered short term.  Generally speaking, the shorter the term the less risk you should consider taking.

 

Risk

Broadly speaking, there are two places to put your money, deposit and investment.

Deposit accounts of all varieties while reassuringly boring you will know exactly where you will stand and how much you will get with this type of investment.  So for example say a fixed bond of 5 years with a fixed rate of 2.4% you will get a return on your investment of 2.4% which could either be paid annually or month.  However it may mean in ‘real terms’ it could be lower depending on inflation at the time.  The main point to make is that if the interest you are earning is less than inflation then the buying power of your savings will be reduced.

 

With investment there is no interest, instead you are taking the risk that over time the value of your investment will go up.  It can also go down and almost certainly will fluctuate in the middle.  Check to see if the advantages of an ISA are worth investing in.

There are good reasons to consider it, but the main decision you have is the underlying stocks and shares themselves. One that invests in blue chip UK shares is generally considered to be a lower risk than one that invests in the shares of India or China. The attraction of the higher risk option is the chance of a greater return over time, but the risk of greater loss is also there. When you invest a lump sum into a stocks and shares ISA, you buy “units” of that investment at the value they are on that day. If this is the route you are considering you may want to look at regular savings options. By “dripping” in your investment you can take advantage of “POUND COST AVERAGING” Here is an article that explains it.
Now let’s me take a step back. There have always been a few guidelines when considering investments:

 

Clear non- mortgage debt. If you have any non-mortgage debt, then the interest you are being charged will outweigh any returns you may get on your nest egg by far. Consider clearing this debt.

 

Emergency fund. An emergency fund should be sufficient to sustain your family if the main earner is unable to earn for six months.

 

Consider clearing mortgage debt. Paying off part of a mortgage will create a monthly saving which then can be used to drip into an investment if you wanted to. You need to play with the figures to see if that is a runner for you.

 

Make a will. Whatever you choose to do, making a Will most certainly will ensure your plans are likely to go on even if you don’t!

 

Review your life cover.  If you have a family, there would be costs on death so it’s an idea to spend some time thinking about the financial consequences, sort it out to your satisfaction, then forget about it for a few years and then review it again.

 

Look at pension provision. The pension market has changed beyond recognition over the last few years, but the tax relief still makes pension plans worth looking at.

 

Children’s future. Think about whether you want to put any savings in your children’s names directly.
Finally, spend some and have fun. None of us knows what’s around the corner and time is a vicious thief, banking a memory now will give a guaranteed return forever!

 

Happy Investing!

 

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6 IDEAS TO TREAT MUM WITHOUT BREAKING THE BANK

treat mum

Below I’ve listed some great ways to treat mum without you having to break the bank!  I love my mum dearly and being a mum is the most rewarding and challenging job in the world.  While I often shy away from imposed ‘days’ by the card industry I often still do something special for my mum.

 

If you would like to treat mum this Mother’s Day without breaking the bank or making that gift more personal, then this blog post is for you!

 

Below I’ve listed some extra special ways to treat mum.

 

 

Make a photo album

 

In today’s smart phone era most of us look at our photos online, but I must admit there is something special about flicking through a photo album that contain some precious memories.  Why not gather these up and make a family photo album?  You could also spend some quality time together going through them.  A great place to upload your photos to is Photo Box who at the moment are also offering up to 40% off Mother’s Day gifts!

 

 

Give your mum a break

 

Without a doubt being a mum is often a 24/7 job which can be both physically and mentally challenging.  Why not give your mum a break by doing her chores for the day?  You could start by cleaning her house or doing her washing or ironing.  You don’t even have to tell her, surprise her when she’s out!

 

 

Afternoon tea

 

Busy mums often find it hard getting the time to sit down and relax with a cuppa and chat to friends.  Why not organise for your mum’s friends to come around and make them all afternoon tea?  You could either bake some delicious cakes or buy them from the local supermarket, serve them on vintage china and cake stands to make it extra special.

 

 

Cook her favourite meal

 

Mums can be busy preparing family meals, pack lunches or snacks.  Having someone cook a meal is such a treat.  Why not prepare your mum’s favourite meal, you can all sit down as a family and enjoy each other’s company?  If you wanted to be a little more adventurous why not try the likes of Gousto who will provide you with all the necessary ingredients to make a special meal?

 

 

 

Flowers & Chocolates

 

Always appreciated by mums everywhere, you could order flowers from the likes of Marks and Spencer with the offer they have on at the moment where you order flowers and get free chocolates!  You could also order a wonderful selection of chocolates from Thorntons.

 

 

Mum coupon book / vouchers

 

Well, it wouldn’t be right not to include vouchers somewhere in this post!  I absolutely adore this post on Mashable, it contains 10 Mother’s Day vouchers from things like One ‘Get out of House Free’ card, Breakfast in bed and permission to criticise my haircut for one minute!

 

 

Hopefully this post will have inspired you for this Mother’s Day, although my advice is not to wait to Mother’s Day to show how much you appreciate your mum!

 

Happy Mother’s Day.

 

Elf x

 

 

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WANT TO KNOW HOW TO SET UP A BLOG TO MAKE MONEY IN 3 EASY STEPS?  VIEW THE POST HERE.

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WANT TO MAKE MONEY WITH YOUR OLD RECEIPTS?  READ ALL ABOUT IT HERE.

WANT TO EARN GIFT VOUCHERS?  READ MY REVIEW OF SWAGBUCKS.  

INTERESTED IN KNOWING WHAT A VIRTUAL ASSISTANT DOES AND HOW YOU CAN MAKE MONEY?  READ MORE HERE.  

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WHY EVERYONE SHOULD HAVE AN EMERGENCY FUND

emergency fund

Today I have another fantastic post from George about why everyone should have an emergency fund.  He who runs the blog Retired Broker.  You can follow George here.

 

 

The word “emergency” originally comes from the Latin “emergere” meaning “appear”, in the case of an emergency fund it really does mean something that needs to appear pretty quick because you need to lay your hands on some cash straight away.

 

 

From the first time you are given pocket money as a kid, you are told to not spend it all at once, but to save some for use later. The phrase “save for a rainy day” is one I remember being bombarded with from my parents, it never made sense to me as we lived in the UK and pretty much every day was a rainy day. I learnt later that it wasn’t meant to be literal. Saving, however, is not easy – and never has been. The calls on your cash from everyday life are difficult enough to meet without adding further pressure on yourself by trying to save. But saving is worth it in the short, medium and long term. And here’s why…Something will go wrong in your life that will need cash to put right. Notice I said “will” and not “might”. This is because I really did mean “will”.

 

 

If you drive a car, then there are an almost infinite number of things that can go wrong with it, at virtually no notice either, from punctures to flat batteries and cracked windscreens to having to pay insurance excesses. All these mishaps will need immediate attention if you want to carry on with getting to work or taking the kids to school. And it will cost. If you own anything with a plug on it, then it can, and almost certainly will, go wrong. TV, computer, washing machine or Kirby trouser press; all of these essentials (ok, possibly not the trouser press..) will cost to replace or repair. If you have children, then the cost of unexpected school trips and unexpected damaged uniforms are actually to be expected. Got a dog? Can you guarantee that your canine friend won’t ever munch your favourite shoes? Got a house? Has it got guaranteed “non damageable ever under any circumstances” guttering? I thought not.

 

 

To meet these challenges of everyday life there are pretty much only two options. You take the necessary cost from savings or you hit the credit card or take a loan. By far, the first option is the cheapest. But how do you save? The simplest way is to treat saving as an essential bill. If you can get into the mindset whereby putting a little money away each payday is a bill you have to pay, then it becomes a bit easier. Most current account providers will happily arrange for a savings account to be set up side by side with your current account. Arranging an automatic transfer into the savings account on the day you get paid couldn’t be easier. If the account provider offers you a card so you can easily make withdrawals from it, say no! Make it a bit awkward for yourself to withdraw money from your savings account. You’ll be surprised how soon you’ll give up trying if you have to put some effort into getting the money out!

 

 

If you are the type who will go the extra mile to do things just that bit better, then you can look around at the various Monthly Savings Plans that the banks and building societies provide. Some of them even pay (by current standards) an almost acceptable rate of interest. Researching these accounts is really easy using any of the comparison sites available online and setting up a regular deposit into them is also very easy as well.

 

 

Having an emergency fund is a necessity, because emergencies will appear just when they are least expected. Wouldn’t it be great to feel just a bit smug for planning in advance rather than feeling miserable for not?

 

 

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HOW TO START A FINANCIAL DETOX TODAY

financial detox

I want to share with you how you can start a financial detox and you don’t have to wait until the New Year either – have a go today!

 

A New Year is about fresh starts, it is about making resolutions to implement a new habit or kick a bad one.  While many work towards becoming healthy and fit or setting out to achieve a specific goal, there is one part of our lives that is often overlooked – money!

 

The New Year is the perfect time to take part in a financial detox.

 

What is a financial detox I hear you say?  Put simply it is a way of getting your finances in shape.

 

We all know that Christmas comes around at the same time each year yet three in 10 adults reported they will be in debt after Christmas 2016. A nationwide poll which was commissioned by BBC1’s Watchdog noted that the debt is likely to be up to £250 per person with younger adults more likely to experience debt.

 

I’ve put together a financial detox list of tips to help you keep on track in 2017…

 

Write out your financial goals

 

Most of us are so focused on today that we are often ill prepared for tomorrow.  Which is why it is so important to plan for the future.

 

We all have dreams for the future, but without a plan dreams can often be put to one side.

 

To gain control of your financial future start with your financial goals.  Writing these down is a great way of reinforcing the goal and it also allows you to visualise and reaffirm that goal.

 

Why not treat yourself to a notebook in the January sales and start writing down your financial goals – remember to keep it close and have a pen attached to it – no excuses!

 

 

Purify your income and expenditure

 

To get a handle on your finances it is important to list your income and expenditure.

 

First step is to know your actual income from your salary, benefits, child benefit etc.  Once you have this information you can then move on to your expenditure.

 

Note down your bills and whatever other monthly expenses you have including those trips to the coffee shop or the times you nip in for a pint of milk but end up spending over £20!

 

Once you have this information you can create a realistic budget to help you keep track of your monthly budget.

 

 

Trim your spending

 

Seems straightforward but when you have a lot of bills it can seem a daunting task.  Break it down in to manageable chunks.

 

First re-negotiate your current services such as mobile, home insurance, broadband and cable TV services with your current providers.  However, before calling them visit a cost comparison site such as Go Compare and see if you can get better deals by getting a quote for each of the services.

 

With this key information to hand contact your current providers and ask them what kind of discount they could give you.  Pass on the deals you have found on the cost comparison website.  More times than not, they will offer you a discount.

 

Personally, I have saved hundreds doing this – I know you can too.

 

 

Plug the toxic spending leaks

 

Sit down and assess what you currently spend your money on.  You need to be honest with yourself.

 

Ask yourself the following questions: Why am I spending money on this item? Do I want or need this item? Is it worth that much? Is this purchase trying to make up for some area of my life that is lacking? Is there a less expensive alternative to what I want to buy? If so, why am I not willing to buy the less expensive alternative? What else do I want or need that this money could be used for?

 

Give your answers some thought. Once you understand your feelings make an agreement to rectify any bad habits which are causing you to spend money carelessly.

 

For example, you could put strategies in place to deal with these such as having a ‘no-spend’ day or setting yourself a target such as saving for a holiday.

 

Whatever the challenge I highly recommend you start a spending diary so you can track where your money goes.

 

 

Fire up your income making skills

 

It’s not just about cutting back it is also about increasing your income.  There are many ways to do that.  If you have time to spare you could try out  mystery shopping, or completing surveys during your lunch break or indeed you could start a blog.  You could also sell your unwanted clothes, CDs, and DVDs online or if you have a hobby – sell your handmade items at craft fairs or online.

 

If you are receiving benefits, visit your local Citizen’s Advice to make sure you are claiming everything you are entitled to.  There are so many people that miss out because they are unaware of what they can claim.  Make sure you are not one of them!

 

Happy Detoxing!

 

Elf x

 

This article first appeared on Belfast Live.

 

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