How to run your life without a credit card

Credit is a part of life for many of us these days. Credit card debt is one of the fastest growing types of debt with a total of £68.23 billion owed on credit cards, as of March 2017. Sometimes, credit card use seems inevitable – but can you get by without one? It’s perfectly possible to run your life without a credit card. Credit cards in the UK In October 2016 there were 31.5 million credit cards in issue in the UK. Although this may seem like a pretty significant number in a population of 65+ million, by comparison, in October 2016 there were 100.1 million debit cards in circulation. So, in the UK there are almost three times more debit cards being used than there are credit cards. Which indicates that, if you want to run your life without a credit card, you should have no problem doing so. Why live your life without a credit card? There are a plenty of reasons why avoiding a credit card is a positive thing, but do keep in mind that when you use a credit card to make a purcha
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How to live the Good Life in 2017

The Good Life – being entirely self sufficient – has been a dream for decades. But whether you’re pursuing Tom and Barbara’s 70s hippy vision or something altogether more millennial where do you start when it comes to growing your own and turning green fingers into a great life? Back garden or allotment? If you’re lucky enough to have a fairly sizeable back garden then you’re off to a great start. If you don’t then there’s always an allotment. The idea of an allotment is that you’re allocated a patch of land that you can use to grow. Applications for allotments are made through the local council (search your local council website for details) and availability varies wildly from city to city. Most plots usually come in at between 100 and 300 square metres and will be located with other allotments managed by other local residents. The cost of renting an allotment is low – around £10 per year outside of London. The only complication with allotments is that, in areas
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Why decluttering your life is good for you

You might think that decluttering is simply tidying up. However, a whole way of thinking has developed behind ideas of decluttering that extends from your physical space, to your mental wellbeing. If 2017 is the year in which you want to see changes to old habits, bad relationships and lacklustre progress, decluttering could be your ticket there. What is decluttering and how can it help? The definition of declutter comes in two parts. The first is “to remove unnecessary items” and the second, “from an untidy or overcrowded space.” So, the central ideas behind decluttering are basically to get rid of what you no longer need to make life less crowded. This has obvious relevance to physical spaces but can go much further than that too. So, what areas of your life can you declutter and what benefits can you expect to see as a result? Your home There are many reasons why a decluttered home might be good for you. From basic hygiene and making spaces easier to clean and access, to ma
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The 12 things holding you back

The 12 things holding you back Do you ever think that something is holding you back? That something about the way you live your life is preventing you from exploiting your full potential? If you do, then you’re not alone – everybody at some point in life will come up against an inner obstacle that they need to overcome to carry on growing. The only person holding you back is you. Nobody, no matter how close they are, can veto the changes that you know you need to make in your life to release your potential. Can you identify one or more of those things from our list? Do you want to change things? This applies to any area of your life. Look at your situation, pick an area you want to change and then: What is bothering you about the situation? What do you need to change about it? Write these down. What are the ingrained habits that have contributed to this? Write these down you need to be honest about these. What would the perfect situation look like? Write this down Write down what
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10 financial habits that will change your life

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10 financial habits that will change your life

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Homemaking hacks that make life easier

Time is short for most of us these days. Packed schedules, longer working hours and less support mean that there’s not much time for homemaking. However, a tidy living space that looks great and feels peaceful can make a world of difference. So, learning a few clever homemaking hacks is a smart move for modern life. Whether you’re a stay at home dad or a housewife – or you’re just looking for some easy cheats – here are some homemaking hacks to help cut corners. Go paperless Paper = clutter, recycling, rubbish to take out and that endless search for a pen. Given the range of technological life support we have these days there’s just no need for it. Throw out the notebooks, lists on the fridge and diaries and go electronic instead. Use apps like Evernote for your lists and reminders, everything from buying milk to paying bills and attending events. Combine with Gmail for email, calendar and notes that you can coordinate. Make your own laundry detergent Not only do commercia
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