There's lots of advice out there on the web about budgeting. I can create the most fabulous spreadsheets showing how much money come in & goes out but that didn't change my habits. With help from Martin Lewis' moneysavingexpert.com I shopped around for 0% credit cards to help clear my debts. I repeated his mantra 'Do I need it? Can I afford it?'
Frugal Queen inspired me to shop more methidically & cook more. With a freezer full of home cooked food I could ignore the call of the chippy after a hard day at work.
Chanel 4's Super Scrimpers & Kirsty programs were full of money saving tips of things to do & make.
Half it, double it
This is a tip that I picked up from from Super Scrimpers. If a tube of hand cream appears to be empty cut it in halve. There's still loads left. I was amazed how much hand cream & toothpaste I'd been throwing away. NowI used up ever last bit.
My dad gave me some basic instructions years ago, but I'm mainly self taught. OK, I've only made a few shelves and a 1950's record player prop, but I think I now have enough basic skills to tackle boxing in the bathroom pipes.
When I was first on my own I got someone in to cut the trees back. It cost £130. I don't have that spare money now. I've learnt as I go along. The first few years I just hacked them back, but now I can see they've grown all twisted where I haven't cut them back properly.
I now have a better understanding of how they grow & how to look after them and I'm much more confident in cutting them back. Last autumn I even cut a tree down following the instructions from James May's Manlab. (It's not just for men).
Make do & Mend
I've always tried to make do & mend with my clothes, but now I'm mending the mending on some things. The pocket on these trousers had been mended a few times. I added a patch to cover the mending & reinforce the fabric, saving the trousers yet again from the bin.
I've also mended draw runners, re-grouted & sealed the shower.
Being debt free was just the start of my journey to staying debt free.
But most importantly ..............
Keep Calm and Carry On