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Patricia Buckland

My Christmas Countdown Challenge continues.

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My Christmas Countdown Challenge continues.

Hi everyone, welcome to my blog. This week I’m talking about our Christmas Countdown, store rewards and saving for an emergency.  

If there is anything else you would like to discuss, please let me know in this blog’s comments section. 

Christmas Countdown  

Let’s keep saving. Christmas is a huge expense and not always affordable. So, the idea is that we save up during the year to help towards the cost.

But what you are also creating is a savings nest-egg. Savings that can be used in an emergency.   

There are 43 weeks and five days until Christmas Day. If you decided to join me on my Christmas Countdown Challenge and save £20.00 a week, your total should be £140.00 already!  

By Christmas, you would have saved £980.00 if all goes to plan.  

christmas countdown drinks

Photo by Billy Huynh on Unsplash 

But let us face it, life is not always that simple, so if you cannot save every week, do not worry, start again the next week. 

Grown your own – my allotment  

green plants
Photo by Erwan Hesry on Unsplash

My seed potatoes have arrived! So now I need to plant them in May.  As I said traditionally, some people grow their potatoes around Easter time, but I plant mine later at the end of May to ensure the frosts have all but finished.

But everyone has their ideas on when to plant.  I will need to prepare the ground first.  That’s another story for another blog.  

Hints and Tips 

Do not forget to claim all your store reward points from your supermarket. You can save them for Christmas or cash them in if there is an offer.  Maybe you could double your points on some purchases – treat them like money. 

Do not forget to use all your store reward coupons again. Treat them like money. 

Thank you  

As a thank you for Signing up for my Newsletter, please claim your free 30-minute Newsletter Chat with me worth £15.00  

We can use this time to discuss how we can work together to create your Financial Goals using a Financial Vision Board to set your goals and financial strategy. 

Below are a few links you might find helpful if you need financial advice. 

I supply financial education.

If you need financial advice, here are some links you might useful: Step Change  Citizens Advice Bureau, Money Advice Service, Christians Against Poverty, National Debt Line,  Shelter, Turn2us,  

Disclaimer, Patricia Buckland, 459 Micklefield Road, High Wycombe, BUCKS HP13 7HZ  

Presenting as Debt Talk Ltd  

The information and education (the “material”) provided by Debt Talk Ltd (the “author” is from sources believed to be reliable, but the author makes no representation or warranty expressed or implied as to the accuracy or completeness of the material. The material is provided for assistance of the readers of my blogs, attendees of the workshops and meetings, but is not to be relied upon as authoritative or taken in substitution for the exercise of the attendees’ own skill and judgement. The author accepts no liability whatsoever for any direct, indirect or consequential loss arising from any use of the material or information, data third party information provided by the author.  

The material provided by the author does not constitute advice for the purposes of any individual case and it cannot be a substitute for specific advice based on the circumstances of an individual case. The author wishes to make it clear that the readers of my blog, attendees of the workshops and group meetings must take specific advice tailored to their own specific circumstances and whilst the author has used reasonable skill in order to provide relevant information to the attendees relating to their eligibility for personal government entitlements, the author’s role is only to educate and therefore the author will accept no liability whatsoever for the direct, indirect or consequential loss or damage arising from any reliance placed upon their material for any purpose. 

It’s Pancake Day tomorrow.

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It’s Pancake Day tomorrow

Tomorrow is Pancake Day.   If you need a recipe, there is one on my Facebook page.

I love my pancakes with Jam.  How do you like your Pancakes Lemon Juice and sugar maybe? Please pop over to my Facebook page and leave a comment today.  

Christmas Countdown

There are 44 weeks and five days until Christmas Day. If you decided to join me on my Christmas Countdown Challenge and save £20.00 a week, your total should be £120.00 already!  

By Christmas, you would have saved £980.00 if all goes to plan

gold chalice set
Photo by Billy Huynh on Unsplash

But let us face it, life is not always that simple, so if you cannot save every week, do not worry, start again next week.

Hints and Tips 

TV Licence is increasing by £1.50p per Year from 1st April 2021. 

Know your tariff. From 1st April 2021, your gas and electricity bills may increase, for further detail click here 

Grown your own – my allotment  

There is still very little to do on my allotment this week; Last week I bought some potting compost ready for the Purple Sprouting next month. I can’t wait!

Thank you  

As a thank you for Signing up for my Newsletter, please claim your free 30-minute Newsletter Chat with me worth £15.00  

We can use this time to discuss how we can work together to create your Financial Goals using a Financial Vision Board to set your goals and financial strategy. 

Below are a few links you might find helpful if you need financial advice. 

I supply financial education, if you need financial advice here are some links you might useful: Step Change  Citizens Advice Bureau, Money Advice Service, Christians Against Poverty, National Debt Line,  Shelter, Turn2us,  

Disclaimer, Patricia Buckland, 459 Micklefield Road, High Wycombe, BUCKS HP13 7HZ  

Presenting as Debt Talk Ltd  

The information and education (the “material”) provided by Debt Talk Ltd (the “author” is from sources believed to be reliable, but the author makes no representation or warranty expressed or implied as to the accuracy or completeness of the material. The material is provided for assistance of the readers of my blogs, attendees of the workshops and meetings, but is not to be relied upon as authoritative or taken in substitution for the exercise of the attendees’ own skill and judgement. The author accepts no liability whatsoever for any direct, indirect or consequential loss arising from any use of the material or information, data third party information provided by the author.  

The material provided by the author does not constitute advice for the purposes of any individual case and it cannot be a substitute for specific advice based on the circumstances of an individual case. The author wishes to make it clear that the readers of my blog, attendees of the workshops and group meetings must take specific advice tailored to their own specific circumstances and whilst the author has used reasonable skill in order to provide relevant information to the attendees relating to their eligibility for personal government entitlements, the author’s role is only to educate and therefore the author will accept no liability whatsoever for the direct, indirect or consequential loss or damage arising from any reliance placed upon their material for any purpose. 

It’s Leek and Potato soup for lunch this week!

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 It’s Leek and Potato soup for lunch this week!

Hi everyone, welcome to my blog, this week I’m talking about our Christmas Countdown, homemade soup and switching utility bills.

If there is anything else you would like to talk about, please let me know in this blog’s comments section.

Grow your own – my allotment  

Yesterday I popped over to my allotment and dug up some leeks. I collected the last sack of Potatoes. It seemed quite sad that it was the last one!

So I’m definitely going to be making Leek and Potato soup with fresh homemade bread for lunch this week!  Let me know your favourite recipe in the comments.

white ceramic bowl with soup
Photo by Sandie Clarke on Unsplash

Christmas Countdown

There are 45 weeks and 5 days until Christmas Day. If you decided to join me on my Christmas Countdown Challenge and save £20.00 a week, your total should be £100.00 already!  

Christmas  Party

By Christmas, you would have saved £980.00 if all goes to plan.

But let us face it, life is not always that simple, so if you cannot save every week, do not worry, start the next week again. 

Hints and Tips 

I have just switched my gas, electricity, and broadband supplier. Which I am hoping will save me money, every month. I do this regularly to reduce my annual bills. Join my Facebook group and let me know if you agree, switch or not to switch?  

As a thank you for Signing up for my Newsletter, please claim your free 30-minute Newsletter Chat with me worth £15.00  

We can use this time to discuss how we can work together to create your Financial Goals using a Financial Vision Board to set your goals and financial strategy. 

Below are a few links you might find helpful if you need financial advice. 

I supply financial education, if you need financial advice here are some links you might useful: Step Change  Citizens Advice Bureau, Money Advice Service, Christians Against Poverty, National Debt Line,  Shelter, Turn2us,  

Disclaimer, Patricia Buckland, 459 Micklefield Road, High Wycombe, BUCKS HP13 7HZ  

Presenting as Debt Talk Ltd  

The information and education (the “material”) provided by Debt Talk Ltd (the “author” is from sources believed to be reliable, but the author makes no representation or warranty expressed or implied as to the accuracy or completeness of the material. The material is provided for assistance of the readers of my blogs, attendees of the workshops and meetings, but is not to be relied upon as authoritative or taken in substitution for the exercise of the attendees’ own skill and judgement. The author accepts no liability whatsoever for any direct, indirect or consequential loss arising from any use of the material or information, data third party information provided by the author.  

The material provided by the author does not constitute advice for the purposes of any individual case and it cannot be a substitute for specific advice based on the circumstances of an individual case. The author wishes to make it clear that the readers of my blog, attendees of the workshops and group meetings must take specific advice tailored to their own specific circumstances and whilst the author has used reasonable skill in order to provide relevant information to the attendees relating to their eligibility for personal government entitlements, the author’s role is only to educate and therefore the author will accept no liability whatsoever for the direct, indirect or consequential loss or damage arising from any reliance placed upon their material for any purpose. 

Christmas Count Down

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Christmas Count down

We’re still talking about saving up for Christmas.

There are 46 weeks and 5 days until Christmas Day. If you decided to join me on my Christmas Countdown Challenge and save £20.00 a week, your total should be £80.00 already!   

By Christmas, you would have saved £980.00 if all goes to plan.   

gold chalice set
Photo by Billy Huynh on Unsplash

Hints and Tips  

If you are struggling to save money, there are Apps available that can help.  Here is a link to a video by Catherine Morgan and Andy Webb that discusses the apps in detail. I hope this helps you save money.

Top Money Apps for 2021 – Interview with Andy Clever Cash  

Work with me  

As a thank you for signing up for my Newsletter, please claim your free 30-minute Newsletter Chat with me worth £15.00 

We can use this time to discuss how we can work together to create your Financial Goals using a Financial Vision Board to set your goals and financial strategy. 

Below are a few links you might find helpful if you need financial advice. 

I supply financial education, if you need financial advice here are some links you might useful: Step Change  Citizens Advice Bureau, Money Advice Service, Christians Against Poverty, National Debt Line,  Shelter, Turn2us,  

Disclaimer, Patricia Buckland, 459 Micklefield Road, High Wycombe, BUCKS HP13 7HZ  

Presenting as Debt Talk Ltd  

The information and education (the “material”) provided by Debt Talk Ltd (the “author” is from sources believed to be reliable, but the author makes no representation or warranty expressed or implied as to the accuracy or completeness of the material. The material is provided for assistance of the readers of my blogs, attendees of the workshops and meetings, but is not to be relied upon as authoritative or taken in substitution for the exercise of the attendees’ own skill and judgement. The author accepts no liability whatsoever for any direct, indirect or consequential loss arising from any use of the material or information, data third party information provided by the author.  

The material provided by the author does not constitute advice for the purposes of any individual case and it cannot be a substitute for specific advice based on the circumstances of an individual case. The author wishes to make it clear that the readers of my blog, attendees of the workshops and group meetings must take specific advice tailored to their own specific circumstances and whilst the author has used reasonable skill in order to provide relevant information to the attendees relating to their eligibility for personal government entitlements, the author’s role is only to educate and therefore the author will accept no liability whatsoever for the direct, indirect or consequential loss or damage arising from any reliance placed upon their material for any purpose. 

How I taught my child money management skills.

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How I taught my child money management skills.

When my child was younger, pre-COVID-19, they were always asking me for money —usually about £5.00 a day. Which was all adding up and becoming very expensive. How did I teach my child money management skills?

Eventually, I handed them their ‘child benefit’ money and told them it had to last and that there was no more money for ‘stuff’.

They could either spend it weekly or wanted something ‘big’ like a new gaming machine they would have to save their money each month until they had enough to buy what they needed. 

I continued to pay for everything else they needed. I believe it gave my child responsibility and helped them know the value of money.

It also saved me a vast amount of money and taught my child money management skills.

Hints and Tips

Here are two hints and tips on how to save money to put towards your weekly savings.   

  1. Use a shopping list. If you shop online for your groceries, it may even help you to reduce delivery charges.
  1. To make washing up liquid last longer, use a pump to dispense it. I find this makes it last so much longer and dispenses exactly the right amount each time.   
washing up saving money
Photo by Annie Spratt on Unsplash

Christmas countdown  

There are 47 weeks and 6 days until Christmas Day. If you decided to join me on my Christmas Countdown Challenge and save £20.00 a week, your total should be £60.00 already!  

By Christmas, you would have saved £980.00 if all goes to plan.  

christmas countdown drinks
Photo by Billy Huynh on Unsplash

But let us face it, life is not always that simple, so if you cannot save every week, do not worry, start the next week again.  

Grow your own – my allotment 

It’s snowed where we live, so there’s nothing I can do on the allotment at the moment.  I have started to plan to grow my plants this year though and opened the ‘seed tin’ to take stock of any seeds from last year I can use this year and then I will buy any others I might need.

Work with me 

As a thank you for signing up for my Newsletter, please claim your free 30-minute Newsletter Chat with me worth £15.00 

We can use this time to discuss how we can work together to create your Financial Goals using a Financial Vision Board to set your goals and financial strategy.

Below are a few links you might find helpful if you need financial advice.

I supply financial education, if you need financial advice here are some links you might useful: Step Change  Citizens Advice Bureau, Money Advice Service, Christians Against Poverty, National Debt Line,  Shelter, Turn2us

Disclaimer, Patricia Buckland, 459 Micklefield Road, High Wycombe, BUCKS HP13 7HZ 

Presenting as Debt Talk Ltd 

The information and education (the “material”) provided by Debt Talk Ltd (the “author” is from sources believed to be reliable, but the author makes no representation or warranty expressed or implied as to the accuracy or completeness of the material. The material is provided for assistance of the readers of my blogs, attendees of the workshops and meetings, but is not to be relied upon as authoritative or taken in substitution for the exercise of the attendees’ own skill and judgement. The author accepts no liability whatsoever for any direct, indirect or consequential loss arising from any use of the material or information, data third party information provided by the author. 

The material provided by the author does not constitute advice for the purposes of any individual case and it cannot be a substitute for specific advice based on the circumstances of an individual case. The author wishes to make it clear that the readers of my blog, attendees of the workshops and group meetings must take specific advice tailored to their own specific circumstances and whilst the author has used reasonable skill in order to provide relevant information to the attendees relating to their eligibility for personal government entitlements, the author’s role is only to educate and therefore the author will accept no liability whatsoever for the direct, indirect or consequential loss or damage arising from any reliance placed upon their material for any purpose. 

How I found my inspiration in the kitchen again

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How I found my inspiration in the kitchen again

In my last blog, I created a list that I thought may help you save money towards Christmas. I suggested one way to save money on your budget is to cook your meals. 

Cooking your meals

I’m not a cook, so sometimes I need all the inspiration I can get in the kitchen. So, I signed up for a free online cooking lesson, called Cooking Made Easy at Get Cooking by Anne Marie Lambert. (There are many other courses available).  

I had a fantastic time. My old skills were reinforced, which increased my confidence in the kitchen, and I learnt new skills.

Now I am Whizzing around in the kitchen feeling inspired to cook on a budget again. Last night it was stew with dumplings in the slow cooker, cooked from scratch!  

And yes, I have booked another free lesson. I cannot wait.

  

Christmas countdown  

There are 48 weeks and 5 days until Christmas Day. If you decided to join me on my Christmas Countdown Challenge last week and save £20.00 a week, your total should be £40.00 already!  

Christmas Countdown

By Christmas, you would have saved £980.00 if all goes to plan.  

But let us face it, life is not always that simple, so if you cannot save every week, do not worry, start the next week again.  

Grow you own – My Allotment  

It’s January and when I sit in the evenings browsing the online seed catalogues and planning my allotment while having a coffee and watching the television. Perfect in a lockdown.  

Work with me 

As a thank you for signing up for my Newsletter, please book an appointment and claim your free 30-minute Newsletter Chat with me worth £15.00

We can use this time to discuss how we can work together to create your Financial Vision Board, Budget, or Spending Diary. 

Please join my Facebook group to ask questions or leave a comment about my blogs. 

I supply financial education, if you need financial advice here are some links you might useful: Step Change  Citizens Advice Bureau, Money Advice Service, Christians Against Poverty, National Debt Line,  Shelter, Turn2us

Disclaimer, Patricia Buckland, 459 Micklefield Road, High Wycombe, BUCKS HP13 7HZ 

Presenting as Debt Talk Ltd 

The information and education (the “material”) provided by Debt Talk Ltd (the “author” is from sources believed to be reliable, but the author makes no representation or warranty expressed or implied as to the accuracy or completeness of the material. The material is provided for assistance of the readers of my blogs, attendees of the workshops and meetings, but is not to be relied upon as authoritative or taken in substitution for the exercise of the attendees’ own skill and judgement. The author accepts no liability whatsoever for any direct, indirect or consequential loss arising from any use of the material or information, data third party information provided by the author. 

The material provided by the author does not constitute advice for the purposes of any individual case and it cannot be a substitute for specific advice based on the circumstances of an individual case. The author wishes to make it clear that the readers of my blog, attendees of the workshops and group meetings must take specific advice tailored to their own specific circumstances and whilst the author has used reasonable skill in order to provide relevant information to the attendees relating to their eligibility for personal government entitlements, the author’s role is only to educate and therefore the author will accept no liability whatsoever for the direct, indirect or consequential loss or damage arising from any reliance placed upon their material for any purpose. 

It’s time to start creating your New Years budget

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It’s time to start creating your New Years Budget

As I look out the window at the trees outside and their bare branches.  I can’t help but think Winters here.  This is when I set my New Years Resolution now, and the 2021 budget is created. And I get to dream about what I would like to achieve this year.

So with a glass of wine and the last mince pie, I decide my main priority as always is Christmas.  It seems so far away, as I said last week, I’m saving each week, and it will soon come around.

Christmas Countdown

Christmas Countdown

It’s 49 weeks and 5 days until Christmas

If you decided last week to try to save £20.00 per week towards Christmas every week, you would have a total of £980.00 over 49 weeks and I week to spend your savings.

Five way to save money on your grocery bill.

  1. Plan your meals for the whole week, including breakfast and lunch.
  2. Use a Shopping list when you shop. Don’t browse, stay focused.
  3. If you shop online, take a moment to think before you checkout.
  4. Cook your meals.
  5. Use takeaways as a treat.
  6. Compare the prices of items online if you can.

Please join my Facebook group and leave a comment to let me know how you got on with these suggestions.

Grown your own

To start growing your food, you can create a veg patch in your garden.  If you don’t have room, you can contact your local authority about renting an allotment as I did.

There are things to consider when you start and allotment, click here for a link that may help you decide.

The benefits of having an allotment

It’s your allotment, so you know what is in your soil and any pesticides you’ve used if any. You can grow the food you like all year round. It’s a great place to have lunch, chill out and meet other gardeners for a chat. And an excellent way to stay fit. ref:https://www.rhs.org.uk/advice/beginners-guide/allotment-basics

Work with me

As a thank you for signing up for my Newsletter, please claim your free 30-minute Newsletter Chat with me worth £15.00

We can use this time to discuss how we can work together to create your Financial Vision Board, Budget or Spending Diary.

Please join my Facebook group to ask questions or leave a comment about my blogs.

I provide financial education, if you need financial advice here are some links you might useful: Step Change  Citizens Advice BureauMoney Advice ServiceChristians Against PovertyNational Debt Line,  ShelterTurn2us,

Disclaimer, Patricia Buckland, 459 Micklefield Road, High Wycombe, BUCKS HP13 7HZ

Presenting as Debt Talk Ltd

The information and education (the “material”) provided by Debt Talk Ltd (the “author” is from sources believed to be reliable, but the author makes no representation or warranty expressed or implied as to the accuracy or completeness of the material. The material is provided for assistance of the readers of my blogs, attendees of the workshops and meetings, but is not to be relied upon as authoritative or taken in substitution for the exercise of the attendees’ own skill and judgement. The author accepts no liability whatsoever for any direct, indirect or consequential loss arising from any use of the material or information, data third party information provided by the author.

The material provided by the author does not constitute advice for the purposes of any individual case and it cannot be a substitute for specific advice based on the circumstances of an individual case. The author wishes to make it clear that the readers of my blog, attendees of the workshops and group meetings must take specific advice tailored to their own specific circumstances and whilst the author has used reasonable skill in order to provide relevant information to the attendees relating to their eligibility for personal government entitlements, the author’s role is only to educate and therefore the author will accept no liability whatsoever for the direct, indirect or consequential loss or damage arising from any reliance placed upon their material for any purpose.

Financial Plan 2021

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Financial Plan 2021

I hope you had a lovely Christmas and I wish you a very Happy New Year.

I have called this blog Financial Plan 2021 because I find the best thing to do is start the New Year with a Financial Plan so you know where you’re going financially.

money and savings Financial Plan 2021

Photo by Micheile Henderson on Unsplash

Financial Vision Board

An excellent place to start your plan is by creating a Financial Vision Board to help you achieve your financial goals. And you get to have fun while you’re working out what you want to accomplish this year and how.

2021 Christmas Count Down challenge

Christmas count down Financial Plan 2021

I would love you to join me on the Christmas Count Down Challenge.

Every year, I save up for Christmas literally from week one.

Saving just £1.00 a week will guarantee me £50.00 towards the Christmas expenses.

To join me you will need to spend less than your income by the amount you want to save. So we’ll also be discussing creating a Budget and a Spending Diary this year too.

Work with me

As a thank you for signing up for my Newsletter, please claim your free 30-minute Newsletter Chat with me worth £15.00

We can use this time to discuss how we can work together to create your Financial Vision Board, Budget or Spending Diary.

I provide financial education, if you need financial advice here are some links you might useful: Step Change  Citizens Advice BureauMoney Advice ServiceChristians Against PovertyNational Debt Line,  ShelterTurn2us,

Disclaimer, Patricia Buckland, 459 Micklefield Road, High Wycombe, BUCKS HP13 7HZ
Presenting as Debt Talk Ltd

The information and education (the “material”) provided by Debt Talk Ltd (the “author” is from sources believed to be reliable, but the author makes no representation or warranty expressed or implied as to the accuracy or completeness of the material. The material is provided for assistance of the readers of my blogs, attendees of the workshops and meetings, but is not to be relied upon as authoritative or taken in substitution for the exercise of the attendees’ own skill and judgement. The author accepts no liability whatsoever for any direct, indirect or consequential loss arising from any use of the material or information, data third party information provided by the author.

The material provided by the author does not constitute advice for the purposes of any individual case and it cannot be a substitute for specific advice based on the circumstances of an individual case. The author wishes to make it clear that the readers of my blog, attendees of the workshops and group meetings must take specific advice tailored to their own specific circumstances and whilst the author has used reasonable skill in order to provide relevant information to the attendees relating to their eligibility for personal government entitlements, the author’s role is only to educate and therefore the author will accept no liability whatsoever for the direct, indirect or consequential loss or damage arising from any reliance placed upon their material for any purpose.

Wow it’s nearly Christmas

By blog No Comments

Wow it’s nearly Christmas, just two weeks to go

It’s time for me to decorate the Tree. Plan the food and any last-minute spending.

I love this season because I get to spend my money rather than count the pennies for a few days. I can do this because I have saved during the year and will again next year. Which means I don’t have to borrow any money.

closeup photo of lantern lamp
Photo by Aaron Burden on Unsplash

This blog is my last until Next Year when I start saving up for Christmas from literally January 1st 2021. I will also be including a Christmas Countdown for forty-eight weeks in my blog.

My plan is to:

Set a budget for next Christmas

Divide the amount by forty-eight, which will give me four weeks before Christmas next year to work out how much I have saved and what I can buy. Have I reached my budget?

I will include any store rewards I think I may earn during the year and finally

I will set my savings amount.

Please feel free to join me on my savings journey.

Wishing you a lovely Christmas and a Very Happy New Year.

Sometimes we all need someone to talk to

Sometimes we all need someone to talk about our finances and help us reach our goals.

Work with me to help you have a better relationship with your money and help you reach your financial goals.

Book a FREE 30-minute discovery chat with me from my webpage.

All photos are for illustrative purposes only

Where to go if you need financial advice: Step Change  Citizens Advice Bureau, Money Advice Service, Christians Against Poverty, National Debt LineShelter, Turn2us,

Disclaimer, Patricia Buckland, 459 Micklefield Road, High Wycombe, BUCKS HP13 7HZ

Presenting as Debt Talk Ltd

The information and education (the “material”) provided by Debt Talk Ltd (the “author” is from sources believed to be reliable, but the author makes no representation or warranty expressed or implied as to the accuracy or completeness of the material. The material is provided for assistance of the readers of my blogs, attendees of the workshops and meetings, but is not to be relied upon as authoritative or taken in substitution for the exercise of the attendees’ own skill and judgement. The author accepts no liability whatsoever for any direct, indirect or consequential loss arising from any use of the material or information, data third party information provided by the author.

The material provided by the author does not constitute advice for the purposes of any individual case and it cannot be a substitute for specific advice based on the circumstances of an individual case. The author wishes to make it clear that the readers of my blog, attendees of the workshops and group meetings must take specific advice tailored to their own specific circumstances and whilst the author has used reasonable skill in order to provide relevant information to the attendees relating to their eligibility for personal government entitlements, the author’s role is only to educate and therefore the author will accept no liability whatsoever for the direct, indirect or consequential loss or damage arising from any reliance placed upon their material for any purpose.

Self Care on a budget

By blog

Self Care on a budget

I have an Allotment, which at the moment, looking out of my window into the dark and gloom, I miss.

I love my allotment; it’s not expensive and provides me with a place of peace and solitude. So I get self-care on a budget.

My allotment provides me with solitude

I find my allotment not only allows me to grow my food. During the Summer lockdown, it provided me with the solitude I needed for my mental Wellbeing.

person holding orange carrots during daytime, growing your own food, peace solitude, financial education
Photo by Dan Burton on Unsplash

For example, last summer, my husband and I were on the allotment. As part of the ‘allotment ritual,’ we always put up the fishing umbrella. It’s almost a tent and keeps us dry if it starts to rain.

If it does, we usually pour ourselves a cup of coffee and sit together chatting about what we have achieved, that day while we are having lunch.

It starts to rain
black umbrella, rain, peace, solitude, financial education
Photo by Azhar on Unsplash

This particular day, I was sat under the umbrella on my own, sipping my coffee, and the rain started to fall.

I could hear the pitter-patter of the raindrops as I sit back in my seat watching the steam from my coffee winding towards the sky. 

The sound of the rain momentarily transports me back to when I was camping as a child.

I feel at peace

The singing birds and the smell of the wet earth after the shower made me feel at peace.

And then after just a couple of minutes, my Husband sits down for a nice cup of coffee, and we start to chat.

Christmas Countdown Celebrations financial educaiton

Christmas Countdown

There are just three weeks until Christmas, and I can’t wait, walking around the Supermarket yesterday and looking at all the lovely food. I just don’t know where to start!

My New Year Blog will start the Christmas Count Down savings from Week 1!!

Sometimes we all need someone to talk to

Sometimes we all need someone to talk about our finances and help us reach our goals.

Work with me to help you have a better relationship with your money and help you reach your financial goals.

Book a FREE 30-minute discovery chat with me from my webpage.

All photos are for illustrative purposes only

Where to go if you need financial advice: Step Change  Citizens Advice Bureau, Money Advice Service, Christians Against Poverty, National Debt LineShelter, Turn2us,

Disclaimer, Patricia Buckland, 459 Micklefield Road, High Wycombe, BUCKS HP13 7HZ

Presenting as Debt Talk Ltd

The information and education (the “material”) provided by Debt Talk Ltd (the “author” is from sources believed to be reliable, but the author makes no representation or warranty expressed or implied as to the accuracy or completeness of the material. The material is provided for assistance of the readers of my blogs, attendees of the workshops and meetings, but is not to be relied upon as authoritative or taken in substitution for the exercise of the attendees’ own skill and judgement. The author accepts no liability whatsoever for any direct, indirect or consequential loss arising from any use of the material or information, data third party information provided by the author.

The material provided by the author does not constitute advice for the purposes of any individual case and it cannot be a substitute for specific advice based on the circumstances of an individual case. The author wishes to make it clear that the readers of my blog, attendees of the workshops and group meetings must take specific advice tailored to their own specific circumstances and whilst the author has used reasonable skill in order to provide relevant information to the attendees relating to their eligibility for personal government entitlements, the author’s role is only to educate and therefore the author will accept no liability whatsoever for the direct, indirect or consequential loss or damage arising from any reliance placed upon their material for any purpose.