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 Thinking Thrifty. You can check out the Thinking Thrifty website here.
When did you start blogging?
I first started to dabble with blogging in 2014. The company I worked for at the time asked me if I could write them one and loved it. I contributed a few more times over the year then started to have a go on my own using the WordPress platform. I struggled for content ideas as it was just generic drivel in all honesty. It wasn’t until I December 2015 that I got serious about it.
What inspired your blog name?
Ha! Funny story. When I first started I knew I wanted the blog to be primarily about money saving, with a lifestyle element to it too. After much thought I came up with a kick ass name… The Blog Spot! Yes, at this point in my fledgling blogging career I wasn’t aware of the world famous blogging platform Blog Spot so back to the drawing board I went. I knew to get my spending under control I had to start thinking thrifty, the light bulb lit up and Thinking Thrifty was born.
What is your attitude to money – are you a spender or a saver?
I’m a saver, although it hasn’t always been the case. My attitude used to be “easy come, easy go”. I’ve never had any debt in my life, earned great money but I literally scraped through from one month to another by the skin of my teeth until I completely changed my mindset and started to look at me outgoings carefully. Turns out I was wasting the best part of £700 a month on rubbish!
What is the best bargain you have ever purchased?
My cafe, absolutely no doubt about that! It’s a long term investment that is going to help me save the money to semi-retire in the sun and enable me to blog from the beach. I no longer want to buy a property in the UK, I also don’t want a mortgage, so hopefully this is going to be my means to saving for a place in the sun outright where the cost of living is much less than here.
What is the biggest splurge you have ever made?
A trip to New York we had about two years ago. We blew the best part of £6,500 in a week, which seems shocking to me now, but at the time we did have an absolute ball and I couldn’t have cared less. I’m terrified of flying so never imagined I’d ever leave Europe, at least I can say I did it in style!
If you had £100,000 right now what would you do with it?
Find somewhere in Lanzarote to buy outright immediately. I wouldn’t make the permanent move straight away, but my retirement home would be all done and dusted, and I’d work my socks off to put enough in my retirement pot to live a comfortable life in the sun, not a millionaire’s lifestyle, I’m not a materialistic person, quite the opposite, I’m a minimalist as there is less to dust!
If you could go back 10 years & give yourself one piece of money related advice what would it be?
Start saving for your retirement NOW! With the plan and mindset I have now, I’d already be sat on that beach doing this interview with you from there.
What was the last item you purchased?
The cafe! And, ever since this particular chapter of my life began, I’ve barely spent a penny since apart from absolute necessities required to stay alive!
What is your favourite ever blog post?
The blog I’m most proud of is “Living with OCD: It’s not all about cleaning”. It’s something I’ve always really struggled to talk about, even with my partner or my mum. It took an awful lot of soul searching before I pressed publish as putting it out in the public domain would make my habits very real, even more so than usual. This actually turned out to be the best therapy I could have possibly had, I felt such relief to get it all off my chest, and I can’t recommend talking about mental health issues enough. It had such a fantastic response, I was receiving messages from all over the world from fellow sufferers, as well as doctors at the very top of their field. It was an extremely proud moment and I’m so glad I plucked up the courage to press publish.
What is your biggest money regret?
Not taking it seriously young enough. I was the ultimate spendthrift with not a care in the world. I was sensible enough not to get myself into any debt. However as a young man with no children I didn’t face the pressures some do. There really wasn’t any excuse not to have some sort of savings. I’m just happy that I opened my eyes before it was too late!
You can find Thinking Thrifty over on Twitter, and Facebook. Also, be sure to check out the Thinking Thrifty website. You’ll find an array of great tips and advice on saving money and living a happy life.
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