The same but different 🏡 Still trying to find p The same but different 🏡 Still trying to find places for everything. It’s just a heck of a lot of shuffling when moving isn’t it🌿 

Still very much in love with our rustic dining table from next as we were when we bought it a couple of years ago! And thankfully we managed to get 4 more matching chairs 2 years later, since we no longer have our booth! Perfectly compliments our new kitchen diner! I keep saying it, but we just need colour now! 
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No transformation Tuesday here this week, but hope No transformation Tuesday here this week, but hopefully next!🤞 We still have a 5 day wait until our wardrobes are delivered and that’s our biggest set back at the mo. Both bedroom 2 & 3 are full of clothes and unpacked boxes 📦 As daft as it may sound, getting these new wardrobes should be a real relief and the turning point for our upstairs! 
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Aside from that, we still have lots of pieces to shop for our lounge and bedroom! If only that’s what I could do all day rather than work, ay! Where’s your favourite place to shop furniture? I’d love to hear your recommendations 🙌🏻
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It’s a good morning Monday from me 🌊 The beau It’s a good morning Monday from me 🌊 The beautiful Sunday sunshine certainly made up for the drizzle we had on Saturday. We soaked up the sunshine and of course the sea breeze, trying to get out of the house, within reason ofcourse. We strolled up and down the seafront several times yesterday and Rhodie was well and truly knackered after. 
I hope you all had a lovely weekend, and a even better week. I myself am so excited for next weekend as it means we finally get our bedroom furniture, including the hotly anticipated wardrobes 🙌🏻
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Transformation Tuesday #2 in our new home 🌿 The Transformation Tuesday #2 in our new home 🌿 The garden! 
Thankfully we managed to get it done pretty quickly much to our delight. Having a puppy and 20 odd patio slabs for him to do his business on got pretty tedious pretty quickly! 
Now to start the garden planning - I’m actually looking forward to getting green fingered this spring! 👩‍🌾
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How much coffee is too much coffee for a Monday?☕️ Asking for a friend 🙈 Today we get our garden turfed and boy am I excited to see green outside our patio doors and a patio that isn’t littered with dog poo or wee! 
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Frosty walkies ❄️🧣Brrrr it’s bloody cold Frosty walkies ❄️🧣Brrrr it’s bloody cold out there. Minus 1 on our afternoon walk! But Rhodie LOVED it! Met lots of pooches and very much knackered from tumbling in the frost! 
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WFH Lunch breaks consist of carpet reads and coffe WFH Lunch breaks consist of carpet reads and coffee 📚 Determined to smash my 2021 reading target and where better to start than with The Killer Across the Table. What you starting your 2021 reading with? 
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HAPPY MONDAY ✨The first in 2021! My 3 weeks off HAPPY MONDAY ✨The first in 2021! My 3 weeks off went bloody quick, I think it had something to do with being so busy.
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Despite living in a new build apartment for 4 years before painting, the urge to paint in the new house is so strong. Everything just looks so bare! All white homes tell me your secrets! 
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Christmas is still on in the P Household 🎄🎁 Christmas is still on in the P Household 🎄🎁 Unlike so many on my feed, we keep our deccys up until January and I’m bloody glad. It’s only been a week since we put them up 😂 and this is the first time in weeks we’ve been taking it slow and embracing the Christmas period. 
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The house is a mess, and the dining table is just how we left it Christmas Day evening ( along with lots of presents ) and we’ve only managed a quick hoover. But Christmas movies are still high on the agenda and left over turkey is still a plenty! 
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Thank goodness for the Chrimbo Limbo period 🙌🏻
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A very late but still relevant Merry Christmas fro A very late but still relevant Merry Christmas from us 🎄🎁 Rhodie looked very majestic on Christmas morning waiting for his Christmas sack of goodies! 
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Charlotte – Nichole

12/10/2018 Lifestyle

5 Financial steps I took this month

No one really talks about finance. It’s all a bit taboo really, isn’t it? Hush hush because wages, outgoings and expenditure are all a little personal. And because of this, sometimes we can get in a little pickle that could be avoided if we all just spoke openly about finances.

I DESPISE going to the bank. I hate entering my card into the machine, knowing full well the clerk behind the glass can see all my accounts, the negatives and plus’s too! Oh Crap, she probably things I’m shite with money and will take back my card to stop me spending. 

Apparently, I’m not half as bad as I thought. In fact, I’m one of those considered to be bloody good with it – pah! 

Anyway, my point is, without really discussing or speaking out about finances, you can be a little in the dark as to how to keep a hold and manage yours effectively.

This last month, I have been really trying to grapple a hold of ours. The last 18 months have been wedding wedding wedding. With the sudden flow of cash that is no longer labelled wedding, I thought it best to forward plan.

So what did I do this month? Here are the 5 steps I’ve undertaken to grab the financial bull by its horns!

Start a joint bank savings account

Hey, married life has its perks. Like a joint savings account! This was something we should have done agesss ago upon moving in together, but having to go and change my name gave us a good opportunity to do this too. We stuck with our current bank ( we are both at the same bank thank Christ ) and got the highest interest earning account. We have both made sure we have mobile access to the account too for those quick transfers.

Switched to a reward account

Many banks offer these accounts and it had been something I had breifly considered. However after adding up the figures, it was well worth the switch.

My reward account will essentially give me cash back for all of the direct debits for utility bills and those alike that come out of my account. Surely enough, the small rewards will add up monthly and will equate to a nifty wad of cash at the end of the year to splurge on what we wish – wahoo!  Definatly worth a look!

Set up Direct debits for savings

Since we had sorted our accounts out, the next step was to set up direct debits and standing orders from each account to our savings. Like mentioned, we haven’t really had the ability to save prior to the wedding, other than for the wedding. We want to make sure we are putting away each month, so what better way than setting up an automatic transfer.

Overpay on our mortgage

This is something we have been considering for a fair while, and since we have the abiltity to do so, I have set up overpayments for our mortgage. Since we are unaware of the impact Brexit will have on the property market or property prices, I would prefer to take advantage of the low rates and build more equity in our currenty property.

Are you taking any financial steps this time of year?

Do you like seeing these kind of posts on my blog?

I love hearing from you so please do leave your thoughts in the comment section below!

finances real life

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