Money Talks with From Pennies To Pounds

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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 From Pennies To Pounds. You can check out the From Pennies To Pounds website here.

Money Talks with From Pennies To Pounds

When did you start blogging?

I started blogging in April 2016 although it definitely doesn’t feel that long! I think because it’s only recently I’d started developing a proper strategy and business plan for it. I wish that I had started sooner!

What inspired your blog name?

I wanted something that would show that I was a money blogger but would also show the progression of my financial journey. From Pennies to Pounds is what it’s called – I started with only pennies, and was hoping that I would end up with pounds!

What is your attitude to money – are you a spender or a saver?

A saver for sure. When I was younger I was a spender – I used to spend all of my pay every month on going out with friends etc. To be fair I would say it was well spent as I had a lot of fun, but I wish I had started saving more than I did then!

I am a saver now – I actually find it quite hard to spend money now as it makes me feel guilty as I’m not used to doing it. I love to save money on anything and everything, because it means I can use that money for things that make me happy.

I’ve identified things that I wish to have e.g. a holiday, so I save my money up for things like that.

What is the best bargain you have ever purchased?

I’m not really sure as I don’t tend to get crazy big bargains as I don’t really buy anything, but when I do I make sure that there is some kind of saving. I’d probably say my car as we managed to get it for quite a decent price considering the mileage and condition of it, and we got the seller to knock a few hundred extra off as well.

What is the biggest splurge you have ever made?

I don’t really tend to make big splurges – I remember buying a pair of Chanel sunglasses, but I saved up for them…I’ve ordered a ton of clothes online not that long ago – I had 2 huge parcels turn up at the door, but I only kept a few items and sent the rest back.

If you had £100,000 right now what would you do with it?

I’d go on holiday straight away somewhere hot and beautiful with my daughter, family and friends. I’d ultimately use it for buying a house, but I would also have to be sensible and invest a chunk of it.

If you could go back 10 years & give yourself one piece of money related advice what would it be?

Save more money! I started saving when I was about 20 – £300 per month which isn’t bad going, so when I met my now ex-partner I had £3000 saved, but we rented a flat and had to pay the rent upfront so that £3k went straight away!

I was working full time 10 years ago and I also had a part time job behind a bar, so I was still into earning extra money to fund the things that I wanted, but the problem then was I spent it all when I went to work abroad in the summer season – and came back in the recession.

What was the last item you purchased?

Some summer shoes for my daughter. They were £5 from Asda and they look really comfy and pretty! I struggle finding her stuff that won’t give her blisters especially when it’s hot, so I was happy to buy her these.

What is your favourite ever blog post?

That’s difficult! The most personal ones where I’ve just typed the thoughts that came out of my head were:

Dear Debt, It’s About Time We Broke Up. It’s You, Not Me and Frugal Living Can Help You Clarify Your Goals

What is your biggest money regret?

Getting into debt. I knew what I was doing – I knew that I wouldn’t be able to pay it off straight away and would probably struggle to pay it off at all, as I had only a small amount of money coming in at the time, but I wasn’t in a good head space to deal with that.

The debt was for various things, and consisted of 2 credit cards and a loan. Paying the debt off was difficult, but one of the best things that I’ve ever done, because it gave me so much freedom.

You can find From Pennies To Pounds on Twitter, Instagram and Facebook.

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Money talks with From Pennies To Pounds. A look at the money habits of fellow bloggers.

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