Young Professionals – Releasing the Ball and Chain

 young professionals


Having a young child means I don’t yet worry too much about how he will cope financially when he goes out into the big wide world, but I have a lot of friends and family with teenagers and young adults who are just starting their journey into financial life.

Being young and full of drive to go out into the world of work and be somebody is the fuel of the global economy. In truth, the mature workers who have paid their do’s are just as important, but young professionals have something they don’t. Professionals that have just left college or university have a different mindset.  They see the world in ways that perhaps the older generation can’t imagine for themselves.

This is why so many companies and businesses want to snatch up young talent as soon as they can. Taking the initiative, your professionals garner the habits of innovation quickly and begin to interact with the world in more complex ways. However, the ball and chain may still be with them. Student and other debt can be a burden around their necks, and thus life can become stressful, which is sad at such a young age.

Finding ways to save and still live a fulfilling life is not just a background ambition nowadays. Scrimping and saving wherever you can is vital to stay on top of repayments when you’re fresh out of education

Whether you’re a young professional or the parents of one, giving them this advice could make things simpler:

Figure Out the Largest Ball

Find out what is the biggest expenditure and the largest debt you hold. It could be a student debt, a loan from the bank, a rent payment or perhaps transport expenses.

Once you have these clearly defined, it’s time to start subtly revolving your life around them. Figure out if you can make your largest expenditure smaller or at least look at ways you can lessen the burden. This may mean small changes like giving up luxuries and finding ways to save money on your purchases.

Next, see if you can restructure any student debt with companies like Re-calibrating this way can help to prolong your ability to live a lifestyle that in fact makes payments possible in the first place. The company will take into consideration your credit score, income, the ratio of debt versus income, and study your employment situation. With this, you may be able to reduce the size of monthly payments.

Drastic life changes

You’re going to be new to the world of work, which has with it a secondary layer. You might be bright and quite good at what you do for a living, but you need the ability to get to work in the first place.

Consider moving closer to where you work, and if you need to, live somewhere much more affordable.  Rent is the biggest expense for so many young professionals, and it’s what can cause your finances to go over the edge and into the red. Making drastic life changes will only be temporary. Getting the monkey off your back is paramount in the first place.

If putting petrol in your car and or insurance premiums are far too high and look unsustainable, consider only using public transport. Month after month, these high costs accumulate and leave you with a large financial hole to fill, therefore don’t get accustomed to treating them as the norm.

Being young and highly qualified is not without its burdens. To get to a position where you are more skilled and talented than the person next to you comes at a cost. It’s something that won’t vanish anytime soon either.

Restructure your life and contemplate the bigger financial picture if you want to lessen the burden of debt and expenses to ensure you have a bright future.


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This is a collaborative post.


10 Passive Income Ideas You Can Start Today

 passive income ideas


Passive income has to be the ultimate goal doesn’t it?  To be earning a great passive income would be a dream and I am always on the look out for passive income ideas that I can try out.

I’m very lucky because I work from home, and some of the things I do to make money, generate a certain amount of passive income. My goal now is to grow that income.

So What is Passive Income?

Passive Income is where you are earning money after the work is complete, sometimes referred to as residual income. Think pensions.  When you retire, you no longer have to work but you have a regular income still coming in after your work is done.  That’s passive income.  That’s the dream.

As the retirement age in the UK is getting later and later, more and more people are looking for ways to create their own retirement income much earlier, me included.  Today I thought I would share with you some passive income ideas that you can try yourself.



3 Ways to Ease Every Day Aches and Pains

aches and pains


As I get older, I am definitely starting to notice I get more aches and pains. We all experience aches and pains every now and then. Some of us more frequently than others. There are all sorts of reasons that you might be feeling a little worse for wear. If you experience excessive pain or aches that are out of the ordinary, you should of course, always contact a health professional for advice.

Then there are the usual grievances that crop up regularly or during certain circumstances: pregnancy aches, menstrual cramps, or creaks that come with ageing. While these may be unavoidable, you don’t have to put up with it. You’ll be glad to know that there are a few things that you can do to ease your pain. Here are a few ideas you can try out yourself.



How to Declutter Your Home Fast

declutter your home fast


Want to declutter your home fast? Feeling overwhelmed? I know how you feel!

It’s actually easier to declutter your home than you think.  It’s one of those jobs that we tend to put off because the thought of it is usually very much worse than the reality.  Or simply, we just don’t know where to start.

I have never liked clutter.  When I became a mom, the clutter seemed to pile up even more and the thought of clearing it just seemed like a huge mountain to climb.  The more stuff we accumulated, the more got shoved into cupboards and drawers!

Everything I read talked about spending 30 days decluttering….. that’s a whole month!  I have tried these decluttering challenges before and I lose momentum and don’t reach the end of the task so I feel deflated.

Anyone who knows me, knows that I will always look for the easiest and quickest way to do something, so spending a month decluttering my home wasn’t an option.  I want it done now!

So if you want to declutter your home, but you’re feeling overwhelmed, you’re not alone!

Today I will show you how to declutter your home fast. This means:

  1. You will believe you can do it
  2. It will be easy for you to actually get started
  3. You will actually finish
  4. There will be time to do it more regularly

So, are you in?



20 Christmas Stocking Filler Ideas for Men and Boys Under £5

 stocking fillers ideas for men and boys


Are you looking for stocking filler ideas for men and boys?  Me too!!  I don’t know about you but I always think that women and girls are so much easier to buy for.  When it comes to my husband and son I always seem to struggle to find good affordable ideas.

Today I am going to share with you my best ideas for under £5, in the hope that it will save you some time and money!