My Blog
It is week 12 of the Christmas Countdown Challenge 

In my blog this week…  

My Week. My five hens. Allotment update. Week 12 of the Christmas Countdown Challenge. The Weekly thing you can do to save money. A Thanks for signing up for my Newsletter. Links to FREE debt management agencies if you need debt management advice. And finally, the Disclaimer.  

My Week

This week, I went on a day trip to the coast. It was where I spent most of my childhood, so the memories of playing on the beach and having a picnic just came flooding back. The weather was glorious, and it was lovely to sit and chill out.  

a picture of a beach and waves

Meet Rosie

My five hens

My hens have loved the glorious weather we have enjoyed over the last few days. They have had dust baths. They have been busy scratching around for their corn, laying their eggs, and having a lovely time.  

Allotment update  

This week is all about getting out the seeds and seriously sowing them into seed trays. My potatoes are still in the Greenhouse chitting (getting ready to be planted on my allotment). The weather has been so lovely the last few days that I have been pottering around in the garden too. As you know, I am not a professional gardener. But I am just hoping that my updates will inspire you to grow your food and help save the planet. If you need professional gardening advice, try finding a local gardening expert and see if they can help you. 

Week 12 of the Christmas Countdown Challenge  

It is week 12 of the Christmas Countdown Challenge. There are 40 weeks before Christmas. If you saved £20.00 this week, you have already saved £240.00  

The weekly thing you can do to save money  

Keep track of your money. Try to check your bank statement monthly. Checking your bank statement is called a Bank Statement Reconciliation. If you need help with this, please book a Free 10-minute chat with me to see how we can work together to help you.  

Thank you   

If you have signed up for my Newsletter, please claim your free one-off 30-minute Newsletter Chat with me as a Thank You for signing up.  

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


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.