Your Money Hive

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Your Money Hive

I'm a money mentor helping you understand your finances better and making your money go further.

11/06/2025

Here at Your Money Hive, I have some exciting news to share with you all.

I am pleased to announce that Your Money Hive is an approved activity partner for the Duke of Edinburgh's Bronze award.

Every year, the DofE inspires hundreds of thousands of young people to develop skills, resilience and self-belief, and money skills really are something all young people should have access to.

So if you are completing your Duke of Edinburgh Bronze award and are looking for a course to complete for your skills section - we can provide support with this.

Check out our website in the comments to find out more details about our skills course and what this includes.

28/05/2025

4 Things to do when you are feeling overwhelmed with your finances.

1. Look at your accounts.
The longer you put it off, the harder it will be to bite the bullet and log in and look at your current situation.

2. Write down your spending.
This is a great thing to do, especially if you feel you are losing track. A simple pen and paper, or note on your phone to jot what you have spent that day, can really help you see what you are spending.

3. Set regular time aside to review things.
Just 30 mins to an hour a week to review your current situation and look at your outgoings/spending, really helps you to keep on top of things and also helps you gain back the control over your finances too.

4. Discuss things with someone you trust.
Talk to someone you can trust, as they say a problem shared is a problem halved and will make you feel less worried and overwhelmed with your current situation.

24/05/2025

The reasons why I work with your current money situation and not the “What if's” or “When I have”.

I hear it so often – I will save money when I start to earn more, or I will sort my money problems once I stop having to pay for my car finance. But I will give you one guess whether that works or not.......

See, I hate to be that person, but whilst you are looking to the future and not dealing with your current financial situation, you are not looking at the current picture.

Now I get it - I really do!

Having to look at things and how they are NOW means you have to actually look at your spending, debt, lack of savings, and that can be scary.......
It brings up all sorts of feelings and emotions.

And that's completely understandable! You won't be the first or the last person to be embarrassed you didn't realise you were still paying for that subscription you haven't used in the last 18 months.......but let's flip it.

By looking at things now, you are improving things for the future. You won't be the first or the last person to be frustrated with yourself for wasting money, but you can change things by looking at things now.

I can work with you, help you review things and see where your money is going. I can help you make things clearer, meaning you don't dread opening your banking app, as you just haven't a clue what's going on.

There's no judgement, all I want is for you to:
● Be less worried and stressed about your money
● Feel in control of your finances
● Sleep better, knowing you are improving things for the future

Want to know more about how we can work together? Drop me a message for more information.

18/05/2025

Were my recent posts useful? Don't forget to hit that follow button, so you don't miss any future posts!

17/05/2025

During the school holidays, a lot of restaurants, cafes, etc, offer free or low-cost food for children to eat with an adult purchasing a meal.

From Morrisons, Harvester, and TGI Fridays, there's lots of different options for different tastes. It keeps the kids happy and saves you the extra hassle of cooking - amazing!!

16/05/2025

Off abroad and need to use your passport, make sure you check that your passport is valid, especially for travelling to Europe.

The key thing to remember here, is that even if your passport is in date, you need to make sure you check the following:

●it was Issued less than 10 years before your departure date.
●it is valid for at least three months after your planned return date.

It's always worth a check, so you know you definitely can travel!

15/05/2025

You can visit lots of free places such as parks, playgrounds and the beach - great if the weather is nice but what about when it's raining?

Check out your local library, shopping centres and also museums for some free things to do.

Get searching today and share your free activities in your area below.

14/05/2025

Have a Clubcard or nectar points? Log in to see if you can convert your points into tickets for the many companies they are partnered with, from holiday cottages, attractions and days out at zoo's, restaurants and even travel and transport, there are so may options, you would be silly to not check.

Some current Clubcard deals include:

● Cottages.com
●Colchester Zoo
●Thorpe Park
●P&O cruises

Just log into your account and convert your points to vouchers, and the great thing with Clubcard points every £1 is worth £2 when converted to partner vouchers.

13/05/2025

Make sure you buy your travel insurance as soon as you buy/put that deposit down on your holiday - not a day or week before you travel – the same day you book your holiday.

Then, if anything happens between now and you going away, your insurance covers you.

You also have peace of mind that you won't lose hundreds of £££ , if you are unable to travel.

12/05/2025

Whether you are holidaying in the UK or abroad, check whether pre-purchasing tickets online for that attraction you will be visiting will save you some money.

A lot of attractions will offer some form of discount by pre-purchasing your ticket the day before, therefore, a quick look online for a few minutes, really could make your money go further!

11/05/2025

Don't buy your currency at the airport!

I mean, you can if you want to, but the conversation rate will be the worst you can get.

Buying before you go will get you a better rate and mean you can shop around for offers or promotions.

Plus, did you know that retailers like Tesco and Sainsbury's offer better online rates, meaning you can buy your currency online, then collect at your nearest store and still get the better rate.

Pretty sure you will be spending by card – check whether your bank charges for card payments abroad – if they do you probably will want to look at a credit card or bank account which allows you to spend without charges, so get searching for the best deals.

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