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January on a budget #thrifty

You can buy things with money, but it also has other uses. Money to some people is power and to others it’s security. They feel secure in the knowledge that they can afford to  enjoy Christmas and still have some money in January. We all tend to feel a little more secure  with money in the bank. (more…)


Dreaming of a lottery win? #money

LOTTERY WIN

The lottery jackpot for the UK lottery is a cool 50 million pounds tonight. What would you do with that sort of money? I can think of a few things… (more…)


Predictions for 2016 #finance

We can never be sure what the future will hold, but I think this will be the year when inflation starts to creep up again. Competition in many areas such as the supermarkets was fierce in 2015. The oil companies had to compete too with a glut of oil and that is seeing producers with higher costs disappearing. The world economy has seen tight money and increasing competition. (more…)


A thrifty lifestyle #thrifty

Thrifty people are thrifty out of habit and always look for value for money. This doesn’t always mean buying something because it’s cheap, it means always looking to value. The old saying ‘look after the pennies and the pounds will look after themselves’, means all those pennies you save add up. (more…)


Thrifty Christmas #thrifty

THRIFTY CHRISTMAS

It’s Christmas Eve and all my Christmas shopping is done! This is a good time to think about those New Year resolutions and if affording Christmas has been a struggle then you need to make some thrifty and frugal resolutions. (more…)


Value for money #thrifty

Being thrifty isn’t about buying cheap stuff, it’s about getting value for money. Expensive designer clothing is made in the same low-wage countries as the budget clothing. Food might be marked as value, but it might a little less perfect than the more expensive line. You have to use your own judgement when shopping around. (more…)


Smart bombs or smart phones #finance

The British parliament voted this week to extend bombing to Syria and the FTSE 100 dropped two percentage points the next day. Coincidence? Not likely.  We can invest in bombs and bullets or we can invest in building things that will benefit humanity. I would prefer to invest in research to cure cancer. (more…)


A Sunday best Christmas? #thrifty

In the old days when people went to church, they were scorned and criticised if they didn’t wear their Sunday best clothes. Buying smart clothes for the whole family was phenomenally expensive, especially as they had large families in those days, so the clothes became a valuable possession and were often pawned on Monday. (more…)


Financial uncertainty #finance

Financial uncertainty seems to be caused  by political considerations and lack of regulation. The problems in Ukraine seem to have taken a backseat now to the problems in Syria. The drop in economic growth in China seems to be less of a worry too. Those problems are still there, but we have more important things to worry about now! Get used to more uncertainty! (more…)


Think ahead to save money #thrifty

 

Where I live in the heart of England the weather has been quite mild for the time of year and so hopefully we will have smaller energy bills this year. It’s still autumn, though, so we don’t know what winter will bring. It’s worth doing warming meals like stews and wearing sensible clothing to keep warm. (more…)


Responsibilities to shareholders #investments

I have noticed recently that many company directors don’t seem to care about shareholders until they need capital. Shareholders need to be kept informed and this is doubly true for small companies on the AIM. They should have a director whose sole responsibility is to engage with investors. (more…)


Planning ahead #thrifty

I still haven’t bought any Christmas presents, but I’m looking out for suitable gifts. Many prices will go up closer to Christmas, so you can save money by getting your presents early. One idea is to buy a few smaller gifts and put them in a gift bag. You can get the gift bags from Poundland. (more…)


Market abuse #investments

Most investors suspect market abuse, but insider trading and the passing of insider information is hard to prove. Share prices often rise suddenly and the reason emerges sometime later. Even the delay in making market movements public which are usually 15 minutes is suspicious. (more…)


M and A #investments

Mergers and acquisitions can send stock prices soaring higher and acquisitions are more likely when prices are low; mergers too are more likely when times are tough. The FTSE 100 dropped from a high of over 7,000 to below 6,000 and so many companies have been looking at M & A. (more…)


Risk and return #investments

The FTSE 100 is up this morning after some positive news from the US, but investors are still nervous. Private investors expect a real terms return on their investment that reflects the risk they are taking.  (more…)


Short term and long term #investments

We have to think both short term and long term when we invest. While we want to see a return on our investments on paper because that gives us a virtual return and so adds to our financial security. We also want to see real returns when we sell or when we collect dividends. (more…)


Crash: is it over? #investments

We have seen the stock market fall from over 7,000 to under 6000, is the carnage over? I think to call it a crash is an exaggeration, it’s really a market correction with a sprinkling of panic. (more…)


Friday rally? #investments

The stock market has been dropping since June and dropped from a  high of over 7,000 in May to a low of under 6,000 this week. It dropped below 6,000 last month too and then recovered, will it stay over 6,000 now? (more…)


Autumn money savers #thrifty

Autumn started yesterday and I made my first autumn stew. They have the stew packs in Aldi now and all those carrots will help us see in the dark in the coming months! It’s getting quite chilly now and so we need warming foods. (more…)


Does money buy happiness?

It’s the National Lottery draw tonight and I have to ask the question; does money buy happiness? Could I buy happiness with 3.8 million pounds? I don’t think so. It can make you feel more secure and I suppose you can buy status symbols and become a celebrity lottery winner. (more…)


Autumn and winter #thrifty

The autumn starts in a few days in Britain and so we have to think about saving money through autumn and winter.  Food that is suitable for colder weather like soups and stews can save money because they require cheaper cuts of meat or even no meat at all. (more…)


Risks and diversity #investments

risks

There are many different kinds of investment. Even buying tools so you can grow vegetables in the garden or do your own DIY can be an investment. Investments can save you money, make you money or simply provide a little insurance and peace of mind. Something you can sell when times are hard. (more…)


Offers online and offline #thrifty

offers

The Aldi super-six offers have changed this week, they are sweet pointed peppers, white mushrooms (380g), romaine lettuce (2), cocktail vine tomatoes (250g), mild onions (4) and fun-size pears. They are all 59p and the offers continue to Wednesday the 23rd of September. (more…)


Risk and return #investments

risk and return

It was another worrying week on the stock exchange as more news from Europe and China had a negative effect. The slowdown in China is because we are buying less of their exports and austerity here means we can’t afford to buy more. The economic system isn’t allowing nations to trade. (more…)


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