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The Savvy Scot

Personal finance and lifestyle blog

Staying in shape for winter

By Pauline

  When the days get colder and the evenings become darker you know that winter is on its way. While several people enjoy getting cosy under some blankets in front of the fire, the fitness fanatics among us do not relish this time of year at all.    However, it doesn’t have to be all… Read more

Filed Under: Money Tagged With: boots, clothing, jackets, jog, outdoors, run, shape, sport, winter

How often do you have a no spend day?

By Pauline

How often do you have a no spend day?

I was answering questions to an interview recently (not published yet!) and one of the questions was “what was the last thing you bought?”. Pretty straightforward, but mind you, I had to think long and hard. I hadn’t spent money in the past week or so, and the last time was for food and gas,… Read more

Filed Under: Personal Finance Tagged With: Money, no spend day, Saving Money, spend money

How to Ensure Your Business Start up Is One of the 20% that Don’t Fail

By Pauline

    It might be a sad fact about today’s world and the economic pressures many businesses face on a daily basis, but Forbes has reported that a shocking 80% of all new business start ups fail in their first year. Obviously, if you’re starting out in the world of businesses and you have the… Read more

Filed Under: Money Tagged With: Business, company, create, failure, product, start up, strategy, success

Xero, Quickbooks and the mobile businessman

By Pauline

Image credit   Long-gone are the days of shutting down the computer equaling shutting down your business for the day. So, why should accounting teams be restricted by their software? Cloud-based accounting software is here and it’s growing. Two solutions — Quickbooks and Xero — understand the importance of the cloud and its ability to… Read more

Filed Under: Money Tagged With: quickbooks, software, xero

Have you thought about Christmas?

By Pauline

Have you thought about Christmas? In order to save for Christmas, you need to know how much you spend on Christmas. Unfortunately, that is not only the cost of gifts.

Seriously, this world is getting crazy. I was in the supermarket on August 20th and Christmas decorations were being sold. No, not last year’s decorations going on sales, this 4-months-from-now Christmas. Way to prepare for an event! While I think that is insane, in order not to have to put the cost of Christmas on… Read more

Filed Under: Personal Finance Tagged With: cheap christmas, christmas, cost, credit card, debt, gifts, ideas, shopping

6 Ways You Can Make Money Fast When You’re In A Pinch

By Pauline

6 Ways You Can Make Money Fast When You’re In A Pinch

Please enjoy this guest post and giveaway by Brent from VOSA. Brent’s a world record holder, inventor, engineer, entrepreneur, world traveler & eternal optimist. You can read more of his writing about personal finance, entrepreneurship and travel at VOSA.com. There it is again. The pit that start to form in your stomach, the lump in… Read more

Filed Under: Personal Finance Tagged With: giveaway, make money, Money, tips, ways, YNAB

Feeding a Great Dane with home cooked meals

By Pauline

As you may know, little Great Dane Napoleon came to live with us three month ago now, and in that short time, he has more than doubled in size. Look at the picture: my arm used to cover his length from nose to tail, now I don’t even reach from nose to forearm. Meaning he… Read more

Filed Under: Personal Finance, Pets Tagged With: cost of dog, dog, dog food, food, Great Dane

How accurate are grey markets?

By Pauline

By Patrick Foot, financial markets writer for IG As 2014 – which many are dubbing the ‘year of the IPO’ – rolls on, more and more technical terminology surrounding major market floats is appearing in news articles, blogs and reports. One such term is ‘grey market’, which many outlets tend to use to produce a… Read more

Filed Under: Money Tagged With: buy, grey market, ig, invest, ipo, market, markets, predict, pricing, shares, stock, trade

Blog income report, August 2014

By Pauline

Want to know how much my blogs made in August? Head over to Make Money Your Way to find out!

Filed Under: Uncategorized Tagged With: August, Blog, blog income, income, make money, stats recap

Making a first budget as a college graduate

By Pauline

Making a first budget as a college graduate

  Congratulations, you made it into the world with a fresh degree and a first job! Now the bank of Mum and Dad stops paying for your expenses and you are wondering how much you should budget for things? let’s break it down.   Housing and bills With a new job, you are probably considering… Read more

Filed Under: Personal Finance Tagged With: budget, college graduate, first job, graduate, Money

For A Few Dollars Less — Visiting Florence on a Budget

By Pauline

If you want to experience a city that will melt your heart in moments, you should visit Florence. The capital of the Tuscany region is one of Italy’s most beautiful cities, the ideal destination for art and culture lovers all without breaking the bank.   If you know where to look, on Florence city breaks… Read more

Filed Under: Money Tagged With: budget, eat, flight, florence, food, hotel, italy, save money traveling, travel, tuscany

My #thriftyfamily money saving tip: negotiate your bills!

By Pauline

Today, I have teamed up with Scottish Friendly to share a quick money saving tip as part of the #thriftyfamily, enjoy!   I do it every year, like clockwork. One month before my utility or broadband contract expires, I shop around for a better deal. Then I call my current provider and see if they… Read more

Filed Under: Money Tagged With: bills, Money, negotiate, saving, scotfriendly, scottish friendly, thrifty, thriftyfamily, tips, utilities

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Disclaimer

Neither The Savvy Scot or any guest writers on this site are finance professionals. All writing on this site is intended for entertainment purposes only. Some posts on this site may be sponsored and will include links to external content. See Terms & Conditions page for further details.

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