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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 for Mummy. You can check out the Money for Mummy website here.
When did you start blogging?
I started at the end of June 2018. I had just had the conversation with my employer about my return to work after my maternity leave ended. I didn’t want to go back full time as I would lose time I wanted to spend with my daughter and full-time childcare was too expensive. I started looking for other ways to earn money while looking after my little girl. I found LOTS of great opportunities. So many mums I knew were in a similar position to me and I wanted to help them out too. It was then I decided to start the blog to share my experiences of trying this new way of working and living.
What inspired your blog name?
The blog is all about flexible ways for mums to earn money that fit around childcare. The name Money for Mummy came into my head during one of my daughter’s many night feeds! I loved it because it was catchy and described what the blog was about perfectly!
What is your attitude to money – are you a spender or a saver?
I’m definitely more of a saver. I’m happy to spend money but I like to pre-allocate it first. As a result I have lots of little savings accounts that I name according to what they are for. For example, we have a Christmas account which we pay into once a month to spread the cost of Christmas over the year. This has made such a difference to reducing the financial stress that it used to cause! We try to set a savings target every month so there is an amount of money in our bank account that we avoid spending. Whatever we have left after this and our normal bills is free spending money for that month and pays for a meal out, new clothes, etc.
What is the best bargain you have ever purchased?
I went a bit bargain crazy when we were expecting our little girl. The best bargains I got were her pushchair (I found it at the lowest price I could on one site, then got another site to price match it with an extra discount) and her cot. The cot was already on sale in Mothercare. I used a gift voucher marketplace to get discounted Mothercare gift vouchers to buy it with. Then I bought the cot itself online after clicking through to the Mothercare website via TopCashback. It all worked out to be a 40% saving overall!
What is the biggest splurge you have ever made?
I always wanted my own piano – I learned as a kid and missed having one to play since moving out of my parents’ house. It took a long time to save enough money but I eventually I was able to buy my dream piano from eBay. I chose to get a better model second hand rather than a new one. I love it.
If you have £100,000 right now what would you do with it?
We really want to move to a bigger house now we have our little one. £100,000 would be a huge boost for our deposit. I’d probably keep some of it aside to pay for a lovely family holiday.
If you could go back 10 years & give yourself one piece of money related advice what would it be?
10 years ago I was a student and used to buy lots of useless stuff from Firebox and similar sites using my student loan and overdraft! My housemates used to take the mick out of the number of parcels I received. I don’t have any of it now and it was a silly way to spend money. I would have told myself not to bother so that my overdraft wouldn’t have taken so long to clear after I had finished uni.
What was the last item you purchased?
A free chocolate bar after I downloaded the Shopmium app!
What is your favourite ever blog post?
I recently wrote a post called Mental Health: Boosting More Than Just My Budget. It was a really heartfelt post about the difficulties I experienced adjusting to being a new mum, which was so different to my former life as a successful career woman. I found it really therapeutic to write that post and I hope it can help other mums who might be feeling a similar way.
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