Guilt free spending. You just need a plan…

When you think about personal finance bloggers what words come to mind? Thrifty? Penny pinchers? Vouchers?

Why should personal finance always be about penny pinching. I hate it and its no fun! For some reason when people start thinking about personal finance it’s always about how can I save 5p here and how I should downgrade all my shopping to the value versions that taste like dirt. It just never sounds like anything that you would want to do. It also makes it feel like hard work and a sacrifice to save money and this should never be the case. Why should you make more effort to think about buying something that you are going to enjoy less just to save a small amount of money? and before you start throwing phrases at me like “Look after the pennies and the pounds will look after themselves” I get it, but its never going to be the way to make significant amounts of money. Now I agree that if you can pick something up for cheaper than you would normally expect to pay then great, take the saving and move on but I for one do not want to downgrade my standard of living to any great extent just to save £10 here or there. I am a firm believer that as long as you can prove that you can afford something you should never feel guilty about spending the money to get something you want. You just need a plan…… Continue reading