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Home / Manage Money

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Taking Control of Debt: The Second Step

By Ricky Willis | last updated 2nd October 2019 | This post may contain affiliate links

I’ve started to tell you how I am slowly but surely getting myself out of debt. Taking control of debt. I’m not saying it’s easy and I’m not saying that I’m necessarily doing it the right way (if there is ever a right way to do it). I am not saying that you should copy… more

Payday Loans – Merry Christmas and a Miserable New Year

By Ricky Willis | last updated 26th April 2018 | This post may contain affiliate links

This time last year I was working in London and Naomi was working locally, the children were either at school or nursery and we were all looking forward to Christmas. From early October through to the beginning of January it is especially difficult for us financially, all in all we have at least six birthdays… more

We Made It to Payday But What Now?

By Ricky Willis | last updated 5th June 2020 | This post may contain affiliate links

Last week I wrote a blog detailing our struggle trying to survive on £6.20. With hardly any food in the cupboards and a handful of nappies for our one year old little girl, payday was still a week away. Well, payday came and we just about made it. But what now? Since publishing the blog… more

The Working Poor

By Ricky Willis | last updated 1st December 2020 | This post may contain affiliate links

I used to get up and go to work. I couldn't afford breakfast; could hardly afford my train. I had holes in my shoes and I was skint. I was the working poor. Poem by Ricky Willis.

I used to get up and go to work. I couldn’t afford breakfast; could hardly afford my train. I had holes in my shoes and I was skint. I was the working poor. Poem by Ricky Willis. The Working Poor It’s Monday morning, time for work. Off to a job that doesn’t offer any perks…. more

Surviving On The Breadline

By Ricky Willis | last updated 30th November 2020 | This post may contain affiliate links

Surviving on the breadline

This was first published on 25 September 2013. It’s the 17 September, still a week away from pay day and all you have left is £6.20 to your name. In the cupboard there is only enough food to feed your family for three days and on top of this your one year old only has… more

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