Help-I've got no dosh!

By s cresswell

This book can help you halve your spending yet lead a richer life. It is packed full of helpful tips about how to deal with finances, cut spending on food, clothes, holidays and even Christmas. There are also chapters on how to use crafts as a way of saving money yet developing or enhancing skills to enrich your life. At a time of global recession,this book is a must for readers looking to stretch their budgets but not reduce their quality of life.

• Language: English
• Publisher: s cresswell
• Release date: May 22, 2012
• ISBN: 9781476404622

s cresswell

We are working mums who have six children between us. Noticing our dwindling finances in these hard financial times, we were determined to save for a better future. Using our creativity and ingenuity we managed to use crafts and our inner resources to halve our spending throughout the year and pay off our debts. We also noticed an increase in our productivity and felt much happier and less consumerist. You can learn how to do this too!

Book preview

Help - I’ve Got No Dosh!

By the Thrift Sisters

How You Can Halve Your Spending, Yet Live A Richer Life

Help - I’ve Got No Dosh

Suzi Cresswell and Sarah Cresswell

Smashwords Edition

Copyright Suzi and Sarah Cresswell,2012

This ebook is licensed for your personal enjoyment only. This ebook may not be re-sold or given away to other people. If you would like to share this book with another person, please purchase an additional copy for each recipient. If you’re reading this book and did not purchase it, or it was not purchased for your use only, please return to Smashwords.com and purchase your own copy. Thank you for respecting the hard work of this author.

Suzi Cresswell and Sarah Cresswell are identified as the authors of this book. All rights reserved under the Copyright, Designs and Patent, Act 1988. No reproduction, copy or transmission of this publication will be made without written permission and will be liable to court action.

We are the Thrift Sisters. Using creative money-saving techniques we have halved our yearly expenditure, paid off all our debts and discovered hidden talents that we never knew we possessed. This is not to mention all the fun we’ve had in the process! In this easy-to-follow guide we will show you exactly how we did it - and how you can, too. This book idea was conceived from our blog ‘Help-I’ve got no dosh!’ at www.nodosh.blogspot.co.uk

Dedicated to our wonderfully talented children.

Per ardua ad astra!

Contents

Chapter 1: Finances

Chapter 2: Toiletries, gardening and the household

Chapter 3: Food and cooking

Chapter 4: Leisure and holidays

Chapter 5: Clothes

Chapter 6: Crafts

Chapter 7: Christmas

Chapter 8: Recycling

Chapter 9: Final thoughts

Chapter 1:Finances

Financial issues can generate a lot of anxiety. Most people these days have at least some debts, and the way to start tackling them is to take a deep breath and really look at what you owe. Do any of the following statements apply to you?

Your credit card balance is steadily increasing but your income is static or falling.

You can only afford the minimum repayment on your cards.

You are juggling debts and using credit cards for essential items such as food or utility bills.

You are near the limit on your credit cards.

You are working overtime or you have a second job to pay off debts.

You do not know how much you owe and are scared to find out.

You are hiding the extent of your debts from a partner or loved one.

You avoid answering the telephone to creditors and are worried about bailiffs.

You constantly worry about money.

In order to get by you have used ‘pay day loans’ – or you are considering them.

If any of