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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.  

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  

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

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

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 1^st April 2021. 

Know your tariff. From 1^st 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!

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.

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!  

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

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.   

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 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!  

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. 

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.

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 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.