Six pillars of money management

Hi everyone, welcome to my blog; this week, I’m talking about My six pillars of money management, Christmas Countdown, growing potatoes and credit cards.

If there is anything else you would like to discuss, please let me know in this blog’s comments section.  

My six pillars of money management

The following are the six pillars of money management that I use. They’re what I feel we need to know and understand so we can have a better relationship with our money

  1. create a Budget
  2. know and control your Priority Bills
  3. frequently check your bank balance(s)
  4. keep a Spending Diary
  5. define your financial goals
  6. develop a strategy to achieve your financial goals

Christmas Countdown  

There are 42 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 £160.00 already!  

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

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


But let us face it, 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 

Last week my seed potatoes arrived, and I am now storing them in my greenhouse. Egg boxes are perfect for this. The seed potatoes are kept in the light and protected from frost at night-time.  This is called ‘chitting’. It helps them sprout tubers ready for when I plant them.

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

Hints and Tips 

Check your credit card APR; if it is not 0%, transfer the balance to 0% and shred the original card.  

If you can try to stop using your credit cards or pay off the balance before any interest is applied – interest is an unnecessary expense. 

Thank you  

As a 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 Financial Vision Board to set your goals and financial strategy. 

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

I supply financial education. If you need financial advice, here are some links you might useful: Step Change  Citizens Advice Bureau, Money Advice Service, Christians Against Poverty, National Debt Line,  Shelter, Turn2us,  

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.