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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 Looking After Your Pennies. You can check out the Looking After Your Pennies website here.
When did you start blogging?
I’m new to the blogging game and started in April 2018. Although I wrote a personal blog for a couple of years this is my first time doing it seriously. I’ve loved the idea of being a personal finance blogger for years and this year I am making it happen.
What inspired your blog name?
“Look after the pennies and the pounds will take care of themselves” is something my parents always say to me. Personally I like to look after the pounds too but I like the idea of helping ordinary people get more from their spare change so the name “Looking After Your Pennies” was born.
What is your attitude to money – are you a spender or a saver?
I’m definitely somewhere in the middle. I love saving money and watching it grow but then once I’ve got enough I love spending it too. It is very satisfying to spend a long time saving money and then finally being able to buy the thing you’ve worked so hard to get.
What is the best bargain you have ever purchased?
Not sure about this one. Probably my first car although my parents helped me with that. It was a white Nissan Micra with “rage” written on the side and I paid about £600 for it. But I drove all over the place in the car and clocked up tens of thousands of miles in it. It was so reliable too. A great purchase!
What is the biggest splurge you have ever made?
I’m not really a splurger! Most purchases I make are carefully considered. However I am a bit of a sucker when it comes to my kids and have bought various toys and clothes for them just because I loved them.
If you had £100,000 right now what would you do with it?
Invest it! £100,000 is the exact amount of money I need invested now to have my ultimate amount of money by the time I’m 60. Having that money now would mean that any additional money invested would just bring my retirement closer.
If you could go back 10 years and give yourself one piece of money related advice what would it be?
Start investing! My family aren’t investors and nor are my husbands, so it was not something we have been encouraged to do. We’ve since learnt the power of early investing and are doing our best to make up for lost years, but we could have saved our saves a lot of time and money.
What was the last item you purchased?
Running gear! I’m on a big health kick at the moment and have taken up running. But I’ve been hit with a knee injury. Therefore to keep me motivated I treated myself to some (cheap) running clothes. I’m now itching to get my shoes back on and head outside.
What is your favourite ever blog post?
I’m a big fan of the Frugalwoods. They are literally living my dream life. Financial independent, self-sufficient, house in the woods. Love it! I hang off their every word and am totally inspired. One day! One day!
What is your biggest money regret?
I don’t have any big regrets but I have a few things around my home that I think “why did I buy that?” But sometimes you have to make those small mistakes to stop you from making the big ones.
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