Hi everyone, welcome to my blog. This week, I am talking about the 7 bills we have to pay, Christmas Countdown, my allotment diary and Hints and Tips on saving money. 

7 bills we have to pay!

7 bills we have to pay are the following 7 standard priority bills

  1. Food 
  2.  Gas
  3. Electric
  4. Council Tax
  5. TV Licence
  6. Rent/Mortgage
  7.  Telephone

These are the bills that must be included and treated as a priority when you create a budget.

More Priority Bills

We must also pay other priority bills, depending on our circumstances. Such as child maintenance, magistrates, court fines, County Court Judgements, Tax, National Insurance or VAT, hire purchase or logbook loan. Ref; https://www.stepchange.org/debt-info/dealing-with-debt-problems/what-debts-to-pay-first.aspx

Work with me and book an appointment If you need help creating your budget.

Christmas Countdown – How many weeks ‘til Christmas?  

There are 41 weeks and 5 days until Christmas Day. If you decided to join me on my Christmas Countdown Challenge and save £20.00 a week, your total should be £180.00 already!  

By Christmas, you would have saved £980.00 if all goes to plan. 


Christmas Countdown
photo by: becky-fantham-HOwzKtC_A2g-unsplash

But life is not always that simple, so if you cannot save every week, do not worry, start the next week again.  

Grow your own – my allotment diary  

It is March already; I cannot believe how quickly this month has come around! March for me means I will be popping over to my allotment this week, pulling the last of my leeks, and checking my Purple Sprouting. I have already bought the potting compost and will be starting to sew my vegetable seeds, weather permitting. 

To remind you, I am not a professional gardener. But I love gardening and thought I would include my allotment diary to inspire you to grow your own. If you need professional gardening advice, look for an experienced local gardener.  

Hints and Tips – money saving ideas 

If you are buying online, use the basket rather than the buy now option.   Give yourself a moment to consider whether you need and can afford what you are buying rather than making an impulse buy.  

Thank you   

Thank you for Signing up for my Newsletter, please claim your free 30-minute Newsletter Chat with me worth £15.00.

We can use this time to discuss how we can work together to create your Financial Goals.  Using a Vision Board to set your goals and financial strategy.  

Below are a few links you might find helpful if you need financial advice.  

I teach financial education.

If you need financial advice, here are some links you might useful: Step Change,  Citizens Advice, Money Advice Service, Christians Against Poverty (CAP), National Debt Line,  Shelter, Turn2us,   

cover, please let me know in this blog’s comments section if there is any other topic, you would like to

Disclaimer, Patricia Buckland, 459 Micklefield Road, High Wycombe, BUCKS HP13 7HZ   

Presenting as Debt Talk Ltd   

The information and education (the “material”) provided by Debt Talk Ltd (the “author” is from sources believed to be reliable, but the author makes no representation or warranty expressed or implied as to the accuracy or completeness of the material. The material is provided for assistance of the readers of my blogs, attendees of the workshops and meetings, but is not to be relied upon as authoritative or taken in substitution for the exercise of the attendees’ own skill and judgement. The author accepts no liability whatsoever for any direct, indirect or consequential loss arising from any use of the material or information, data third party information provided by the author.  

The material provided by the author does not constitute advice for the purposes of any individual case and it cannot be a substitute for specific advice based on the circumstances of an individual case. The author wishes to make it clear that the readers of my blog, attendees of the workshops and group meetings must take specific advice tailored to their own specific circumstances and whilst the author has used reasonable skill in order to provide relevant information to the attendees relating to their eligibility for personal government entitlements, the author’s role is only to educate and therefore the author will accept no liability whatsoever for the direct, indirect or consequential loss or damage arising from any reliance placed upon their material for any purpose.