The principle of setting money aside for a specific item or event is nothing new. For decades (most likely centuries) people have used the principle of pots or envelopes: a way of ringfencing money until it is needed, ideally in a secure location so that it can't be accidentally spent on something different. And now the approach is trending across Tik Tok and Youtube - check out #moneystuffing or #moneyenvelopes Of course, this very same principle lies behind the success of many finance apps and tools - including iBudge. But what if you unexpectedly need money? Or even just really want to purchase something? Should you lend yourself money from your savings pots, or leave them untouched [Read this article...]

For many people, payday is the best time of the month. We switch instantly from a situation where every small purchase is made in hope that the payment will be successful, checking our bank account and calculating available funds, to suddenly having an influx of funds for us to spend. Many people will harness this opportunity to go out and treat themselves. A new top, a phone upgrade, a nice restaurant, a deposit for a holiday. All of these things are great - but there is always an underlying question of whether we can really afford them. This article explores the way that the Payday Powerup feature can support you. [Read this article...]

Many people choose this time of year to set resolutions - changes that will positively impact their lifestyle, health and wellbeing. These resolutions are often linked to healthy eating or lifestyle choices. But we all know the old familiar story. We set out with every best intention to keep to our resolutions. We start with great enthusiasm and immediately recognise the benefits. We tell ourselves that this is worthwhile. But then old habits set in and, before we know it, we have broken our resolution... and then we give up on it altogether. So how can we do it differently? How can we genuinely make our resolutions stick? [Read this article...]

For many people, payday is the best time of the month. We switch instantly from a situation where every small purchase is made in hope that the payment will be successful, checking our bank account and calculating available funds, to suddenly having an influx of funds for us to spend. Many people will harness this opportunity to go out and treat themselves. A new top, a phone upgrade, a nice restaurant, a deposit for a holiday. All of these things are great - but there is always an underlying question of whether we can really afford them. This article explores the way that the Payday Powerup feature can support you. [Read this article...]

It only takes a trip to the supermarket to confirm the rumour that costs are increasing. Almost across the board, prices have been raised on the goods and products that we consume every day. This is confirmed by data. In the UK, accoding to the Office for National Statistics (ONS), food and non-alcoholic beverage prices rose by 13.1% in the 12 months to August 2022. This is a significant uplift. A food shop that cost £80 in August 2021 would cost more than £90 in August 2022. This is no doubt a trend that has been noticed by most people reading this blog. [Read this article...]

Everybody looks forward to payday. Suddenly your bank account is looking more healthy. Perhaps it's still not looking great - but it's definitely more healthy than the day before. And the temptation is to go out and treat yourself... spend some of that hard-earned money. The trouble is, it's unlikely that all the money is meant for spending. And even if it is, it probably shouldn't all be spent in one go. So how should you go about making that money last between now and your next payday? [Read this article...]