Lifestyle blog by a thirty-something city dweller

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4 Ways to Easy Savings

With two bank holidays this month, Easter a not-too-distant event and a bunch of family birthdays, I’m struggling to add my usual amount to my holiday fund. I’m sure there are plenty others feeling the pinch too so I thought I’d share a few tips on where to magic up a few extra quid from. 4 ways to easy savings, budgeting, finance, money saving tips, lifestyle blog

Here are 4 ways to make easy savings: Continue reading…


Successful budgeting for a successful new year

Last August, I posted my four top tips for successful budgeting and as we move (way too quickly) into a new year, I thought it might be useful to re-visit them. I really believe that budgeting and how to manage personal finances should be taught in schools; they’re important life skills that would make adult-life simpler and less stressful for a lot of people.

Over the years, I’ve worked part-time and full-time, been self-employed, been a mature student, owned my own flat, rented by myself, with friends and with a partner, saved up to go on holidays and to buy things I wanted, saved just to build up my savings, had to pay off credit card debt that I wish I hadn’t built up, had to pay out to get my car fixed, and so much more. Continue reading…

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Bringing up the C-word

That’s right, I mean Christmas. I know it’s only October but there’s definitely merit to thinking about Christmas already. It’s such a hectic and expensive time of the year and I believe that a little pre-planning helps hugely in ensuring a happy, relaxed festive period, without breaking the bank.


For people paid at the end of each month, employers sometimes bring the December pay date forward. Although this might seem ideal, Continue reading…

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My 4 super tips for successful budgeting

Apart from a minority, I’m sure most students find themselves in a similar position after graduation when it comes to finances – trying to find employment; tuition and maintenance loans to pay off; student overdraft to get out of; cost of moving home or moving out of student accommodation; having to now pay council tax (it really is a nice perk that full-time uni students are exempt); and the list goes on.

Graduate or not though, I’ve been using these same tips for years to help keep my finances in check and live the life I want.successful budgeting, finance, free printable, money

These are my 4 super tips for successful budgeting: Continue reading…

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Spoil Yourself

I’ve written before about how living on a budget, even a small student one, doesn’t mean cutting out all the nice, frivolous things. There are lots of ways to treat yourself without it costing the earth.

I used to spend a lot of money each month buying magazines. Every time I did my weekly supermarket shop or popped into town on my lunch break I’d pick up a magazine or two. Over the month it would really add up. A few years back, when money was particularly tight, I set up a subscription to one magazine. Not only does this save me money through paying by quarterly direct debit, but knowing that Continue reading…

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How to blow your student loan in 10 days…

A lot of us got our last student loan installment on 20th April. For final year students, that means your last chunk of ‘free’ money before entering the real world. And for returning students, it’ll be your last payment until around the end of September.

These are the ‘best’ ways to spend your loan: Continue reading…

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Bargain Day Out #1

I love a bargain and a discount and, as a student, I’ve come to love and value them even more. These days you can find vouchers, offers, and promotions for so many different products, services and activities. Its not about spending as little as possible (you can do that by staying at home and doing nothing), but about being able to go out for meals and have enjoyable days out whilst saving money.

For a while now, I’ve been planning a full day of discount fun to see how many different things I can do in a day whilst saving money. Unfortunately, the demands of uni and work have meant that I haven’t actually had a whole day off in months to try out my plans of a ‘bargain day out’! Continue reading…

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Happy New Year to you all!

I’ve had a hectic Christmas but am back in Birmingham and trying to revise for my two exams at the end of next week.

The start of a year always gives me a good chance to look back over the previous year and look forward to the new one. I am, however, not one to make specific new year’s resolutions in January. I tend to set myself various small and big goals throughout the year, some with a set deadline and others more open-ended. Often, it takes me until March/April to even sit and write anything down – this gives me time to see how the year is unfolding.

I usually focus on these areas of my life:

  • work and career
  • personal and family
  • personal development (uni falls into this one)

The goals can be anything from Continue reading…

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Looking for work?

We’re now halfway through the first semester, and for many people money is probably feeling a little tight – especially as our next loan payment isn’t due until January. Now that we have a better idea of our uni workload and demands, it might be the time to start looking for part-time work.

I’ve mentioned before that I have a few different jobs (waitress, sports coach, sales support assistant and, of course, blogger), which in total add up to full-time hours (about 40 hours a week). This might not suit everyone and there are definitely some weeks which are a real struggle for me but a part-time job for 10-20 hours a week will give you some extra money and something additional to put on your CV as well.

Here are a few tips and ideas for finding a job in Birmingham: Continue reading…