With the festive season well and truly in full swing, I thought it would be the perfect opportunity to share some of my budgeting tips to not break the bank this Christmas. I am by default a naturally generous person, and so sticking to a budget for Christmas, birthdays and other occasions has always been something I’ve struggled with. Over time (and through doing the money mindset work), there are a few practices I’ve put in place to still be able to enjoy the festive season and deliver beautiful Christmas gifts, without breaking the bank. DETERMINE WHAT YOU VALUE One of the most useful practices I’ve developed when it comes […]

The Exact Script I Used To Negotiate My Annual Credit Card Fee. If you don’t ask, the answer is always no.” – Nora Roberts If you follow me on social media, you may have seen last week I negotiated my annual credit card fee. I am not normally one to question fees and charges, and often just pay them and move onto the next thing. But I’ve been doing a lot of work recently on my money mindset, and what money means to me. I’ve also been working on developing my negotiating skills, and am actually having a lot of fun with it. In the past, I would have been […]