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Every Thursday I will be bringing you another instalment of my guest series, Money Talks. I’ll be featuring bloggers from all walks of life giving their answers to money related questions. Hopefully you will find a new blog to read and learn more about other people online. Money Talks will be live every Thursday and I’ve got some absolutely fantastic bloggers taking part! Hope you enjoy it. If you’re a blogger and want to take part then get in touch. This weeks instalment features Money Saving Journeys. You can check out the Money Saving Journeys website here.
When did you start blogging?
I only started blogging in October 2016. I had played around with a blog on WordPress.com but at the time found it difficult to be consistent. However, the desire was still there.
What inspired your blog name?
I called my blog Money Saving Journeys as I wanted to document my family and I’s journey in saving money and travelling. I hope that what I share will be helpful to others on the same journey. Even though the blog is still ‘young’, I have already begun to include other areas that I am exploring related to money, in particular, making money.
What is your attitude to money – are you a spender or a saver?
I am definitely a ‘saver’ BUT I like to save up to spend my money on the things my family and I love to do together, which is travelling. Apart from our mortgage, we are in the fortunate position of not having any other debt and this is the way I would like it to stay!
What is the best bargain you have ever purchased?
This would have to be the holiday we had at Christmas. We did not intend to go away but when this offer appeared, we just had to take it. We managed to get a holiday to Berlin, for the 4 of us, staying bed and breakfast for 3 nights in a 4 star hotel AND including flights for just £101 per person!
What is the biggest splurge you have ever made?
That would have to be the house purchase. We bought our first property, a 1 bed flat, back in 1989, after receiving advice from our parents that ‘you can never lose out in bricks and mortar’. We then got trapped for 12 years in negative equity. We had our first child there and crammed ourselves in. When the property prices eventually started to rise, we were able to sell the flat but for £4000 less than we had paid for it 12 years earlier and so had to start all over again.
If you had £100,000 right now what would you do with it?
This one is easy! I would move to my dream house. No, it’s not some fancy pants property, but one that has 3 bedrooms (as we now have 2 children and only a 2 bed house), is detached (we have had problem neighbours over the years) and has a garage. Nothing fancy but it would need to be in the same area we live now. I might also treat the boys to something and my guess would be that they would want new iPhones (as they have my cast offs usually).
If you could go back 10 years & give yourself one piece of money related advice what would it be?
My advice – don’t follow the crowd, look at every possible option and look at the long term, not just the short term! Sorry, is that 3 pieces??
What was the last item you purchased?
The last ‘normal’ item I purchased was a lovely top from my local charity shop for £3.95. The last ‘big’ item I purchased was my iPhone which I had saved up for and bought outright. I worked out that this would save me £150 over the course of a 24 month contract.
What is your favourite ever blog post?
I think my favourite has to be 10 Ways to Give to Charity without Donating Money because I found some weird and wonderful ways you could help that I didn’t even know existed.
What is your biggest money regret?
There was a time, when we were stuck in negative equity in the flat, that property prices has dropped really low. We had no children and two full-time incomes. I wish we had thrown as much money as we could at the mortgage and then bought a second property. We could have lived in the house and rented the flat out. Although we did briefly consider this, we were also still young and wanted to do what young people do – go out, take holidays etc and didn’t look far enough ahead!
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