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Confessions of a Single Mum

The ups, the downs and sideways views of life as a single parent

Tax Credits Change- Will You Be Worse Off?

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Next April Tax Credits are changing. Despite my question last week on which should I reduce, electric or food, the PM hasnt let me know his thoughts ( funny that ). So the changes are happening and you may be wondering if it will effect you. [bctt tweet="In short anyone receiving tax credits with a household income above the new threshold of £3,850 will receive less in tax credits from April than they do now. "] Mr Osborne says that with the introduction of the National Living Wage, tax ... VIEW POST

Tax Credits Cuts to Go Ahead

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Despite even his own party telling the Prime Minister to rethink, he has decided in his ultimate 'wisdom' to go ahead and make the drastic cuts to Tax Credits. He reckons that it will leave people better off. Yes true but not the low paid that your taking the money off that actually need it. Need it not for holidays or designer labels but for those little daily things like heat, electricity and the really not important one food. What he is not jabbering on about is that for every £4 he ... VIEW POST

Work Harder to be Worse Off – Summer Budget

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So they sneaked in another budget because...well they could. You will know I am not into politics and all that jazz, let alone understand it. I just know it rather seems to me that unless you were either born into money, could go onto further education ( and get one of those super duper high paying jobs that everyone else is after)  or have won the lottery...life will be hard. Even harder if your not the typical 2.4 children, two parent family. Majority of single parents will probably never earn ... VIEW POST

Personal Finance Management: 5 Strategies to Save Money

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1. Saving Money Starts at Home You may want to start cutting down on your expenses at home. Save money by saving electricity. You should know by now that as you reduce your electric consumption, you also reduce your electric bills. Thus, it's a good idea to start following a few electricity-saving tips. For instance, switch off appliances that you aren't going to be using in the next say, 5 or 6 hours. Leaving your appliances on standby mode is not enough; you must completely turn them off, ... VIEW POST

5 Tips to Help You Stay Out of Debt

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Debt is just simply horrible. It on your mind all the time and one of the biggest contributors to stress. Save yourself and the people around you from the grief and heartache that debt brings. With these 5 tips, you can hopefully stay out of debt. Tip #1: Focus on Needs, Not Wants The next time you get the urge to buy something, stop for a minute. Exactly what are you going to use the item for? Score it from one to ten, with one being something you could live without and ten being ... VIEW POST

4 Warning Signs You’re Digging Yourself in a Debt Hole

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Even those who plan ahead get tied up in debt, and then they wonder exactly how so their credit could have piled up. Only a person with millions of dollars, the locked-in-debt ponder, can pay up all those mountains of bills. You may have found yourself, once or twice or a few times in your life, at a point where you wonder just how you managed to bury yourself so deep in debt. Debt has a way of piling up, accumulating, until it becomes out of control. Many people today are buried deep in ... VIEW POST