personal finances

"When someone dies it is the love and support of others that enables us to heal and find a way of living again."
Awareness of the burden of debt many people are struggling under is regularly discussed by national surveys, the media and government advisory bodies. For many students, young people and families increasing debt is a cause for serious concern.
The financial crisis in 2008 humbled many of us, as we watched banks collapse, stock markets plummet, and regulation fail. We lamented the loss of jobs, homes, and savings, yet we neglected to realise that a segment of our population was being disproportionately distressed - adolescent girls.
Whenever my income falls a bit short, I get a loan or, more often, a grant from The Bank of Gary - aka my husband. This provides a financial safety net, but it is contrary to the advice many wise mothers give to their daughters: have your own money and don't rely on a man. Should women be especially cautious about relying financially on their partners?
For those of us who can't afford a house or flat or heck, even a car park space, and will not be able to do so for some time due to the fact that we spent our 20s going out rather than squirrelling away money in socks, or just made fundamentally bad financial decisions, it is seriously demoralising.
My wife rings me. "I've been shopping, and we've only 200 Euros left to do us till my pay comes in a week from now." "What? 200?" I'm in shock. I leave my friend's house and return home. I check the fridge to see how much food we have and how much we'll need.
My children have no qualms about spending seven quid on buying imaginary 'jewels' for their dragons for a game. Spending seven pounds on my credit card, I should add. As their focus is fixed solely on completing the game...
I'm being asked to pay back £1000 to a bank that has reportedly contributed to the national, if not global financial crisis, a bank who sold dead debt to profit from it. Who has the moral obligation to payback?
So lately I've been researching one of the world's more scary financial terms - debt consolidation - for a few reasons. Some of my female friends feel intimidated or afraid of their finances. They refuse to open bank statements and think they can just bury their heads in the sand and it'll all be OK.
So instead of turning to discounted ready meals and the freezer section of your local supermarket, I've provided some suggestions of homemade meal choices that are tasty, nutritious and most importantly, won't break the budget!