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This Is Where You Will Find Posts About Debt

Newsletter Archive ·

Back In Debt Again, After Being Debt Free.

This post is about how I got back in debt again, after paying off €10,000 using the Baby Steps. I am currently in debt, with no regrets. If you have been on social media at all in recent times, you…

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Hi, I’m Ruth…

Welcome to my blog! Here you'll find practical ways to manage your household budget, save money and make more room for enjoying life. Browse the categories below for inspiration, and join my email list for more tips straight to your inbox!

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Can we normalise a simpler Christmas? 🎄 A calm, o

Can we normalise a simpler Christmas? 🎄

A calm, old-fashioned Christmas on a budget. Less spending, less pressure, more joy.

Comment CALM below and I'll send you a link to my newsletter straight to your inbox.

72 Hour emergency kit Recent government warnings

72 Hour emergency kit

Recent government warnings have told us we need to be prepared for 72 hours of interruption to normal operations.

What’s your thoughts on this?

Comment PREPARE and I’ll send you a link to my blog and checklist on this very important topic.

Halloween Newsletter and Halloween Activities List

Halloween Newsletter and Halloween Activities Lists on a Budget🎃

This week’s newsletter is full of simple budget friendly or free Halloween fun including:

🍎 Cheap or free Halloween games
🧙 Homemade costume ideas
🖍️ Free, cute colouring pages
🍪 Three cute Halloween treats to make together
🎬 A family-friendly Halloween movie list

They’re easy ideas that can be spread across the half-term break without putting extra pressure on the budget.

The newsletter is available on the website now. Click the Newsletter link in my bio.

I know it’s only October, but now is a great time

I know it’s only October, but now is a great time to start getting organised for Christmas! 🎄

Over the next few weeks, I’ll be sharing practical ideas for Christmas budgeting, food shopping, meal planning, presents, saving money and getting the house organised.

Everything will be on Mrs Hawkins House, and I’ll be sharing the latest posts and useful links in my free newsletter.

💌 Comment NEWSLETTER below and I’ll send you the signup link!

Let’s make Christmas a little more organised and affordable this year

#Christmas #budgeting

Im a bit snowed under since I came home from holid

Im a bit snowed under since I came home from holiday and I realised that Christmas is just around the corner.

I'm planning a frugal Christmas this year.

Why?

Frugality makes me happier. I absolutely hate waste. Food waste, rubbish waste, time wasted or energy.

I have never been happier than when being super organised and as zero waste as poossible.

I have been working on Christmas content this week to help with saving money for Christmas, looking at gifts for women in different prices ranges, the Christmas budget and of course, my favourite bity, Christmas food.

That is what this weeks blog is all about.

It is on the website again this week an until further notice.

Go to the link in the bio and click on 'Newsletter'

Let's get the conversation going on a counter cultural Christmas where we are happily using less and spending less.

(Spoiler alert, it is so much calmer to do Christmas this way)

Christmas budgeting. No, it’s not too early for C

Christmas budgeting.

No, it’s not too early for Christmas budget discussions. In fact, it might be a little late.

If you want a calm, well organised and budget friendly Christmas now is the time to start.

I’ve gathered lots of my Christmas on a budget resources in one place ( totally free) to help you with:

🎄The budget
🎄Gift ideas for women
🎄Recipes
🎄A ‘Make ahead and freeze food’ plan
🎄…and the £500 Christmas Saving challenge

Go to the link in the bio and click on ‘ Christmas on a Budget with Mrs Hawkins’ and that will take you in to the Christmas section on my website. All Christmas content will sit in there for the next few months including updates.

You may not want to but, you absolutely should, take a look at my Christmas on a budget section, and start planning today for a comfortable Christmas on a budget while there is still time 🫣

#christmas #budget #freeprintables

This weeks newsletter is on the website now. Jus

This weeks newsletter is on the website now.

Just click the link in the bio.

Spoiler alert: I share our total holiday budget and give a VERY honest review of my first time in Tukey 🙃

Holiday on a budget, our experience in Turkey 🇹🇷

Holiday on a budget, our experience in Turkey 🇹🇷

📝Please note if you do use my referral link, I’ll get a little commission from it and as the moment you’ll get a reduced rate.

This weeks newsletter is on the website now. Just

This weeks newsletter is on the website now.

Just a very quick note about saving money in grocery as the winter approaches. It’s a major concern for many people at the moment.

Go to the link in my bio where you’ll find a link to my website. Click newsletter archive and you’ll find all the newsletters there.

Full no spend debrief next week along with holiday budget breakdown.

If you want to join the newsletter list go to the link in the bio and click newsletter.

Ever since I became debt free budgeting has become

Ever since I became debt free budgeting has become the regular default financial position. I’ve had debt a few times in my life and now, I live debt free. I’m aiming to try to live like this for the rest of my life.

Not budgeting is odd to me. Yet speaking about budgeting is still a taboo. No one minds telling you about the handbag that cost a grand but don’t dare talk about writing a budget its a

‘conversation killer’

‘It’s boring’

‘It’s embarrassing’

You know what’s embarrassing?

Not having enough in your bank to pay for groceries when you get to the till…

Not having money for your kids when they want to go on a school trip

What’s your thoughts on talking about budgeting and being careful with money?

Let me know your thoughts and if you want to surround yourself with people who don’t mind talking about budgeting or debt, follow for more.

Once the evenings become darker and the weather st

Once the evenings become darker and the weather starts cooling down, I always return to proper homemade comfort food.

I’ve brought together 24 of our favourite cosy recipes, including warming soups, family dinners, homemade breads, savoury bakes and plenty of chocolate.

There are recipes for busy evenings, relaxed Friday nights, slow weekends and something sweet with a cup of tea.

Comment COLLECTION and I’ll send you the link to the complete collection.

Save this post for the colder months.

Comment SAVE below for your free guide on how to s

Comment SAVE below for your free guide on how to set your grocery budget so you can save money now

No Spend September Newsletter It’s on the websit

No Spend September Newsletter

It’s on the website again this week

Go to the link in the bio and click on The Latest Newsletter

Full Recipe is on the blog now Link in bio> Click

Full Recipe is on the blog now

Link in bio> Click Recipes > Scroll down to chocolate mousse for beginners

Waste less food and spend less on your groceries.

Waste less food and spend less on your groceries.

The dream says you!

'They' say that an increase to grocery prices is inevitable this winter.

We could just do without it couldn't we?

But we have to control what we can, and we can control our food waste.

I eliminated food waste in my house a few years ago and reduced my grocery bill by 50%.

I'm not saying it was easy. In fact I'd be quite open in saying it was tough and it took a lot of time.

I've put my system together into a bundle that will take some of the work off your shoulders.

The Waste Less, Spend Less system contains:

🌺 an eBook/workbook

🌺 a spreadsheet

🌺 and a chat GPT prompt to help you meal plan with zero food waste in mind.

It is just £9 today for the whole system.

My shop is linked in my bio.

GRMA 🙏🏽

Good morning campers! The app I use for my newsle

Good morning campers!

The app I use for my newsletter is not working.

I do not have the hormones to tolerate the ai chat bot customer services agent emailing me like we are besties but offering no sensible solution...so!

This weeks newsletter is on the website.

❤️ Go to the link in my bio

❤️Click on the menu at the top of the page (on my website)

❤️Click on 'newsletter archive' on that menu

❤️Make tea

❤️Have an aul read

❤️Say hi in the comments ( the comments on the newsletter are open)

PS: for anyone worried about AI taking over.

I can't see it tbh..

Things I really really do save money as someone wh

Things I really really do save money as someone who is not in work due to chronic illness.

These tips help massively to make life a bit more affordable.

If you’re needing some ideas on how to save money on groceries and budget better go to the link in my bio where you’ll find budget recipes, meal plans, free printables and lots of helpful articles.

Link in bio

Full recipe and video on my website 🤎 Linked in m

Full recipe and video on my website 🤎

Linked in my bio 🫶

Some vegetables can be frozen without much prep de

Some vegetables can be frozen without much prep depending on what you want to do with them. I freeze several without blanching.

Full blog on the website, sign up to the newsletter to never miss out on the latest on budgeting and saving money on groceries.

Link in the bio.

Airfryer chocolate chip cookies 🍪 I used mini eg

Airfryer chocolate chip cookies 🍪

I used mini eggs in the video but you can use chocolate chips or other crushed chocolate sweets like M&M’s?

½ cup butter, melted and cooled
½ cup soft brown sugar
½ cup caster sugar
1 egg
1½ cups plain flour
1 tsp bicarbonate of soda
¼ tsp salt
1 cup crushed Mini Eggs, chocolate chips or whatever chocolate sweets you have

Mix everything together, adding the crushed chocolate last.

I use a standard ice cream scoop to make the dough balls. You can cook them straight away or freeze them and take out as many as you want, whenever you fancy something sweet.

Let frozen dough balls defrost slightly and flatten them before cooking.

Bake in the air fryer at 160°C for eight to ten minutes. This timing is for the larger cookies shown in the video. If you make them smaller, they may cook more quickly.

Some people like a very gooey cookie and others prefer them more firmly baked, so adjust the time to suit you and your own air fryer.

Leave them to cool on a rack, where they’ll firm up a little.

Very handy for No Spend September when the children want a treat or you fancy something sweet with your coffee.

Save this recipe for later.

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