Saving or Spending: What do you do when you need some extra help?

If there is one thing we all need in life (besides the basics of air and food etc) it is money.  The route of all evil.  But need it be so?

As the saying goes, ‘money makes the world go round’ and it doesn’t matter if you are not at all materialistic, if you don’t want or need the finer things in life or simply just don’t care to splash out, we all need money just to get by.  Utilities, food, the roof over our heads all take up funds and with an increase in expenditure yet a cap on earnings things are getting a little tighter for everyone.

People go about budgeting and saving in different ways, no judgement given here as all circumstances are different.  We have certainly had our fair share of hardships in the past and are currently paying off debts that we accumulated many many years ago.  Whether you are a spender or a saver there may be obstacles that get in your way which you need to overcome in a short period of time.

Saving for holiday spending money putting all new pound coins and all £2 coins in a pot – JustAverageJen

We are planning on redoing our bathroom, we were going to save however we are remortgaging and have decided to use some funds from that. – Mamamighalls

We’re currently saving for a house. Which is proving very difficult. I am guilty of the odd credit card expenditures however I always make sure that I pay them off within a couple of months. I’m not against credit cards providing your sensible and know your budget!  – Mommyandrory

We are trying to save for a new minivan, because we know ours won’t last much longer. We try our best to save and buy outright, but I’m sure this time we’ll need to borrow some. – Nicholeroder

As a family of six with one income, we find it very hard to save up! For bigger necessary purchases we have had to take out loans or we would never be able to afford them. – Fivelittledoves

We are saving for a wedding in 2019, my dad has kindly paid for the venue but we are paying for everything else. We are putting money away each week in a savings account. – NewcastleFamilyLife

Whatever you are saving for, whatever is on your wishlist and whichever way you go about getting it I firmly believe in doing your homework first.  Be sensible, be safe and always read the small print.

XOXO

Debbie

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