The more you budget, the more fun you can have. Trust me, it's too easy to be put in a situation where you have used up all the money you have for the next six weeks and only have two tins of beans and a mouldy bit of bread left. You're not going to be going out clubbing or having a stress free time if that happens.
Starting university is stressful. Although it's a fair while since I went through the process, the daunting task isn't lost on me. The thorniest issues then remain constant now; for some it was the application process, for others achieving their grade expectations, and understandably for many of us, it was the cost.
Having made cosmetic changes to our first flat and embarked on major renovation of our first house, people often ask me what are the key things I've learnt from the experience. We've learnt some the hard way and I know I'd definitely do things differently next time...so here are my top tips for getting the best out of any house project you take on.
The future is a scary concept. Whether you're a school leaver, the family breadwinner in the prime of your career, or about to enter retirement, it's natural to have concerns about the years to come. Money is the primary area of worry for most people, but there are simple and painless ways to prepare without winning the lottery.
Ready-made meals fresh from the freezer seem have a particularly strong appeal when your bank balance is teetering dangerously close your overdraft li...