This is a collaborative post.

It is so easy at times to bury your head in the sand and be a bit of a teenager when it comes to finances isn’t it? Whilst we do have all the bills to pay and prioritise those it is easy to spend any excess money instead of saving it.

Two gold credit cards on laptop

If you have money left over at the end of the month do you go out for a meal, buy new shoes or save it? I know that sometimes we are guilty of splashing out instead of saving it. Whilst we all know that one day we may have an emergency like the boiler breaking or a flood we also hope it won’t happen and get complacent too.

There are far too many short-term loan companies out there in my opinion, all seem to prey on the vulnerable who don’t have good credit ratings or need money instantly. When you see the interest rates on these loans it is scary don’t you think?

If you find yourself in need of money or an item like a washing machine where do you turn for money? Do you have parents you ask? Friends? Or perhaps you use something like Facebook Marketplace or Freecycle to look for someone giving away the item or selling it for a small amount? If all these options are exhausted it is difficult, isn’t it?

Person swiping their card in a card machine

Being an adult is hard at times don’t you think? I would love to go back to the days of being young and carefree! We have boiler cover which helps us with issues like that and of course the usual household insurance. If those are not suitable though we would probably turn to credit if we didn’t have any money saved.

One thing which is becoming more popular now is getting a salary advance. I wouldn’t have even thought of that. I am not sure how it works with people like myself who are self-employed though. I guess it is all about saving and being an adult about it!

Do you save for holidays or emergencies or just fritter your money when you get it?

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