What is Maternity Pay for Self Employed Mums?

Self-employed Mums, unfortunately, don’t qualify for Maternity Pay. Maternity Pay is restricted to Mums who are employed. The payment of Maternity Pay is a contractual obligation of the employer. So what options do self-employed Mums have for maternity pay? There are two types of self-employment. The first is where you are self-employed as a Sole…

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How to spend less on kids clothes

Are you grappling with the constant challenge of how to spend less on kids clothes? Are you fed up with the mountain of outgrown, hardly worn items currently cluttering up your spare room? The secret is you need a clothes plan for your kids. I’ve written in other posts about my pre 2020 stockpiling. Buying…

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Are you confused by Maternity Leave?

Maternity Leave and Maternity Pay in the UK can be confusing to get your head around. SMP, OML, and AML – what on earth do they all mean? The UK has one of the longest periods of paid maternity leave in the world. BUT we have one the world’s worst paid maternity leaves. Mums who do not qualify for…

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How to save money on hair and beauty products

Hair and beauty product addicts rejoice! Here are my top 5 tips to save money on hair and beauty products. Makeup, skincare, body lotions, shampoo, conditioner, hand creams you name it, I used to buy it. A recent survey suggests that over 70% of British women over the age of 30 spend more than £50…

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How can I save money on grocery shopping?

Grocery shopping accounts for one of our biggest outgoings behind childcare and our mortgage. I regularly like to challenge myself to save money on grocery shopping. It is very easy to stockpile our cupboards and not keep on top of using those store cupboard ingredients. 1. Organise your cupboards The first essential step to save…

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How do I spend less money on clothes?

Traditionally, the first of my New Year’s resolutions tend to be ‘how do I spend less on clothes’? January tends to be a ‘sort things out’ kind of month for me. The first thing I tend to find myself pouring over is my wardrobe. I find myself trying to organise, sort, get rid of things…

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5 Ways to have a debt-free Christmas?

Now you have a solid plan to reduce your Christmas Debt, its time to think about ways to avoid the same situation. In other words, how can you have a debt-free Christmas in 2021? 1. Plan early Lots of people have the mindset that it is wrong to think about Christmas early.  They think that…

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5 Way to reduce the cost of credit card debt

The point of this part of the process is to work out how to reduce the cost of your debt. That means you can then pay off your debt as quickly as possible with as minimal cost. This isn’t just about doing a balance transfer to a lower rate and getting on with spending more!…

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5 ways to spend less and pay off debt

Now that you have got yourself into the mindset of dealing with your Christmas Debt, it is time to work out how to pay off your debt as quickly as possible. Credit card debt is expensive, it has high-interest charges which mean that you need to get the amount you have borrowed, paid off as…

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How do I deal with my January Credit Card bill?

Are you dreading the arrival of the January credit card statement? Have you spent too much this Christmas and are wondering how you will pay for it?

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