If, like so many of us, you’ve overspent a little this Christmas and are now facing a substantial credit card bill this can feel quite daunting.  Indeed, we all have good intentions as the year begins often making new resolutions such as making extra income or getting our credit history in better shape, yet the aftermath of the festive season can make this feel like such an uphill struggle we give up before we’ve even started.




If you’re looking to get your finances back on track, this New Year, then this quick summary offers some easy-to-follow advice on how to repair your credit history.  It’s not rocket science, indeed learning about how to manage your money isn’t intellectually challenging – the challenge can be found more in the emotional side of money management, and this is where teaching your children about money at an early age can pay dividends in their development.


Of course, repairing your credit rating is a journey that can take some time; however, it’s entirely possible for anyone to turn their credit rating around regardless of their situation – even if you are facing bankruptcy.  These three simple yet fundamental principles will help you take the first steps on getting back on track.



The first step is to check your credit report, and if your score is less than desirable then you are in the empowered position to take immediate action to start repairing your credit score.  The first thing is to check for errors; some credit reports contain many errors due to simple administrative error or complex issues such as identity fraud; be sure to check there are no late payments incorrectly listed for any accounts and dispute any errors you do find with the credit bureau.



If you have missed payments, then stop worrying about this – the damage is done – all you have control over is the current moment which will directly affect what happens next; and the best thing you can do moving forward is to ensure your bills are paid on time.  If you’re struggling with keeping up with payments there are credit card debt relief solutions available that can help you get back on track.


The trick is to get back on track, by getting up to date with your bills, even if that involves negotiating payment terms so that no further damage is done to your credit file or obtaining a debt consolidation product – and then keeping up with subsequent payments.  If you have a few red crosses on your file, then the remedy is to simply create more green ticks by getting things back on track and keeping up to date with payments; there is no remedy in burying your head and letting things spiral no matter how tempting it may feel.


In summary, find out exactly where things are now, make a plan to get things back on track, and then take steps to rebuild your credit score by maintaining good lines of credit – such as making purchases each month on credit, then clearing the balance at the end of each month.  It can feel like a daunting uphill struggle, but if you take advantage of the help that’s available to you, in terms of practical support and tangible products (e.g. debt consolidation loans) repairing your credit and staying on top of your finances is a very viable and realistic prospect for most people.


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Years ago, meal planning was something that I never considered but now it is a necessity as far as I am concerned.


Meal planning can help in so many ways, including saving you money and time overall.  It also helps you cut down on waste and can turn what becomes a boring dinner into a lovely feast!


People often say to me that they just don’t have the time to plan, well I’m here to tell you it doesn’t take that long and it will save you time – really!  Below I have listed the reasons why I meal plan so hopefully it will give you an idea of what the benefits are.

Weekly meal planning saves you time

Going grocery shopping without a list means wandering up and down the aisles trying to come up with recipes on the spot.  Or you think you have all the ingredients to make that meal at home, only to find when you get there you’re missing an essential ingredient.

Well with meal planning you prepare your list in advance so you don’t have to wander aimlessly up and down those aisles being tempted by offers you don’t’ really need.

Weekly meal planning helps you eat a more balanced diet

When you sit down to plan your weekly meals, it gives you time to consider adding in vegetables and thinking about the healthier options.  For us, we like to ensure we use the vegetables at the start of the meal plan so you get them when they are at their best and the freshest.  It also means you refrain from buying unhealthy snacks because you have your list in front of you!

Weekly meal planning stops you getting stuck in a rut

There are times when I can’t for the life of me figure out any more inventive ways to include vegetables in our diet so taking time to plan and look at recipes is great.

Indeed, as I will talk about below, signing up to Hello Fresh is a great way of keeping your meals interesting.

Steps to creating a weekly meal plan

Step 1:  Do a little recipe research or sign up to Hello Fresh.

Step 2:  Create a week-long meal plan – I’m offering you a free meal planner diary which you can download below.

Step 3: Make a shopping list from the meal plan AFTER looking in your fridge, freezer, and store cupboard.

Step 4:  Go shopping and stick to your list




After all this you will find that it will have taken you less time than if you’d been wandering around those grocery aisles, plus you will have planned your meals for the week, saved yourself money and set yourself a healthy eating plan.


Happy Meal Planning.


Elf x





Children can be costly. We have to buy them lots of toys, clothes and furniture, and then later in the future, we need to buy them video games, smartphones and other forms of entertainment. Let’s not forget tuition fees either. We have to save up for their college fund, we need to invest in their university fees, and we’ll probably have to pay for their car.


It wouldn’t be wrong to say that our children will be the biggest investment in our lives. It takes a lot of emotional strength and money to grow our children, but you also have to be hard on them sometimes and show them tough love in order to teach them about money and other facets of life. If you want to give your children a running start, then here are a few considerations you need to make before you make the big decision of starting a family.




Being wealthy doesn’t mean you’ll have an easy time


Wealth can be both a curse and a blessing. No one wants to make their child suffer with poor living conditions, but on the contrary, no one wants to see their child grow into a spoilt brat that doesn’t value money. There’s a mid-point that needs to be reached in order for our children to grow into the adults we want them to be, so it’s essential that you practice wealth management so that you can plan ahead for financial goals, as well as educate your children on frugal practices even if you are wealthy. Wealth management businesses such as Partridge Muir & Warren can help you in most of these cases. You’ll have a trusted advisor to help you distribute your wealth among your children and they’ll help you prepare for inevitable expenses.





Show them the world and let them choose a path


The worst thing you can do is tunnel your child down a path that you picked. Children have minds of their own and you should support their decisions, not enforce your own. This is why it’s important to expose your children to as much of the world as possible. Take them on holidays, drive them to various destinations around town, and go out with them on a regular basis. Explain things to them, show them weird and wonderful things, and empower their minds with knowledge. Help them choose their path in life by giving them options, and try your best not to be selective.


Express interest in their goals


Your children are always going to need a helping hand when they’re stuck. If they love to draw, then get into drawing as well or at least talk to them about their art. If they love to sing and dance, then buy equipment that will help them and express a genuine interest in their hobbies. If they love the job you do, then take them to your workplace sometime and show them around. The time you invest in showing your children that you care will pay off, and you’ll be their role model and pillar in life that keeps them going for many years to come.



good parenting