Author: Kat Candyfloss

  • Win a Rose Gold Budget Planner for 2020

    Win a Rose Gold Budget Planner for 2020

    I love a good planner and often have a fair few on the go. I’ve already got mine for 2020 alongside a notebook which I use to help plan my content for my blogs and social media. I also find writing things down on paper a good way to deal with my overwhelm when I have a lot of things buzzing around in my brain.

    I’m giving my readers the chance to win a rose gold 2020 planner because I love all things rose gold, I love planners and I want to give something to a winner this month. The clever fox budget planner is the sort of thing I would be looking to use in my day to day life because I am focusing on creating an effective household budget, clearing debt and need a place to track my expenses. It’s full of trackers for saving, clearing debt, expenses, a Christmas tracker and a place to jot down a few ideas too. Affiliate links for the prize are below if you can’t wait until 31st December when the competition ends and want to get started on your budget for next year right now.

    To be in with a chance of winning you can use the Gleam widget below which has a variety of options to win. Entrants agree to be contacted by email to orgainise delivery. This is open to UK residents only aged 18+ and is not affiliated with Clever Fox or Amazon. There is no alternatives or cash exchanges available.

    If you would like to enter more competitions I am currently hosting please head to my giveaways and competitions page for more!

    Planner
  • Another Post on Politics

    Another Post on Politics

    General Election December 12th. Regardless of if you agree with me or not, please vote. If you are registered and able. Please vote. Please do not be one of the people that say “my voice doesn’t matter anyway” because we all know there are more people in the country that choose not to vote or spoil their vote when they can make a difference. Millions of people think and feel like that and if you are registered and able you are doing every person that can not vote for whatever reasons, particularly your children who are underage, a disservice.

    As much as I put myself as very left wing, feminist and one for equal rights and opportunities for all I am going to try and take a different approach to this post. I am voting the way I am because I want to see change, I believe in the manifesto and I believe this general election is the chance to do so. If you are reading this post then I urge you to read all the manifestos or if you want a summary then consider Simple Politics on Facebook and Instagram which offer plenty of summaries.

    Please do not listen to the papers or polls because there is no way to tell how true, ethical or representative they are. Finding an unbiased place of information is important and should really help you with making your decision if you are on the fence. The recent debates are also a good place to listen to what the leaders and senior members of the political parties are saying and pledging. I wouldn’t really bother with the one on one interviews because the interviewer has an agenda they want to get across. Debates are usually more balanced, have questions from a variety of people of different beliefs and cultures and therefore probably a bit more honest.

    This election really seems to be about Brexit for so many people but it is honestly bigger than that. I have written about what I felt about Brexit a few years ago and now, quite frankly, I’m sick of the word. I think Labours approach is really fair, as a “classic remoaner” and actually puts it back to the people. Because let’s be honest Westminster has been very distant with us about this, they have not brought the country back together and perhaps a Peoples vote where whatever deal the EU negotiates comes back to the people is quite reasonable considering no one else can make up their minds.

    Another great place to look to consider who to vote for is looking at each MP’s voting history for particular options you care about. The thing about politics and general elections is that we are never going to get someone perfect. There will never, ever be a prime minister that is a one size fits all. We are all different, with different beliefs, backgrounds, culture and class structures. The best thing you can do is consider voting for the party that most aligns with what your personal principles are.

    The last ten years have been difficult for many people. We have both a growing and aging population which is leading to strains on our public services as well as a true lack of funding for all of these. When it comes to society and public services we all have a duty not to take advantage, particularly with the NHS, but when cuts are being made all over the place but there are more people to protect, look after and make well it’s very difficult for the people in those professions. What’s more is it stops people wanting to do these jobs. It’s all very well promising loads of new nurses, doctors, police officers etc but if people don’t want to do those jobs because it doesn’t offer security like it used to then we can only fill them by outsourcing.

    I am not the most educated political person but I do take an interest in what’s going on and I do have to look outside the manifesto pledges and question the how with these big numbers. Most of them make sense to me when it comes to funding. If you raise minimum wage, you lower benefit payments because people don’t need them as they have enough to live on so the government recaps the money. If you nationalise the trains and electric grid, then the government recaps the money. If you invest sensibly into things that are guarenteed returns then the goverment recaps the money. If you give people affordable housing, affordable public transport and affordable electrical and broadband bills then people spend more of their disposable income, invest more disposable income, save more money and most importantly shop more which means more money back into the economy.

    The thing is we have a lot of very wealthy people in this country but we have a huge amount of working poor too. It isn’t fair to continue poverty shaming these people who are working but do not earn enough. It’s heartless and unacceptable to say “get another job” – what if they’re a single parent and can only work during childcare available hours, but the childcare hours are stretched during the year to include half terms and the six weeks summer holidays? It’s not 30 hours a week then, I think it’s actually around 22 hours a week which then means the working parent can only commit to that amount of hours a week. What if it’s two people and one has to work nights because of childcare? What if they are undergraduates saving to move out of their parents house because there aren’t enough jobs and the low paid ones make saving hard? What if its just an unqualified person at age 25 that just wants to leave their old teenage bedroom and is scrimping and saving for a new home?

    We don’t know anyone else’s personal lives or reasons they do things so saying sweeping statements like ‘get another job’ is so pointless and unobtainable. In political debates its very often we see angry, hate filled language and it’s because people are angry that this happens. I am angry too, for lots of reasons but mainly because I don’t trust the government we have had for the last 9 years that has been a complete misery to live in as a working class woman and mother. For the vast majority of these years I’ve been self employed because it was the only balance between childcare and earning money.

    It doesn’t matter how I feel really, I will vote my way in December and I really hope you will vote too. I mean I won’t lie, I don’t want to see another Tory government in all honesty. What I’d love to see stop is this breakdown of families and friendships because of political beliefs. I mean, it’s all very well disagreeing however, I am not going to stand for classist, ageist and racist comments from people I know because that’s not needed. And I want this to be known, my issue, my anger, is directed at the last government and a Prime Minister that I do not feel is capable of leading a society and country based on equality for all.

  • Why Language Matters

    Why Language Matters

    In an evergrowing digital age language matters more than ever. I have absolutely made my mistakes in the past with language and what I’ve said. I’ve said silly things, things that have been taken completely out of context and sometimes I’ve said things which have made me rethink and actually check my priviledge. I do have to acknowledge that I am in a priviledged position as well as part of some marginalised groups.

    My Priveledge and Marginalisation

    My priveledge comes from being white and cis-gendered, the marginalisation comes from being a woman, being fat, being working class (at one point having lived in a hostel) and being a mother. Four groups of people that are frequently judged, oppressed, not taken seriously and questioned all of the time. What I do absolutely realise though is compared to other marginalised voices mine aren’t as vital because I already have that underline priveledge. Over time it’s something I’ve had to kind of push to one side, being in a position of priveledge is not really an attack of character and can be used to pull other more marginalised voices through. We need to open the conversation.

    It’s vital to open the conversation to why language matters with friends in support of maginalised groups

    Always Period Products

    Recently, Always decided to remove the venus symbol from their packaging to make it a little bit more appropriate for all menstruators. There seems to have been a real issue across the internet for this where people are frustrated that only ‘females’ have periods and these are products are only bought by women. There are even certain voices saying how Trans rights are being taken more seriously than women’s rights. It frustrates me because Feminism and equality is all inclusive of gender, and it includes all marginalised voices that have had to deal with inequality due to their gender. This means it includes women, dodging toxic masclunity and alpha male culture and anyone that identifies within then LGTBQ+ community. Menstruators are not just women. Menstruators are bleeders as some are intersex, some only have some of the female reproductive genetalia which causes periods, some are trans people who still need and deserve the same amount of dignity and healthcare when bleeding.

    Why should we use all inclusive language for people that have periods?

    When I first heard the term menstruators instead of women that have periods was an occasion I needed to check my priveledge. I’m also not a consumer of Always products opting for resuable cloth pads and currently looking for the right menstrual cup for my cycle and body. I think this move is a good thing. I think people are quick to jump ahead and say something is inclusive for women and get angry because it comes from a place of priveledge from never having dealt with gender dysphoria. The anger is coming from people that do not identify as intersex, trans or LGTBQ+. It’s mostly coming from cis women and a few men who feel they need to be the shining hero (feminisim has no place for shining cis white male heroes, it needs allies and cis men to pull marginalised voices through)

    Why pronouns matter and why we should start paying attention

    How would you like it if you were continously called the wrong name or associated as the wrong gender? If you were consistently reffered to as a gender that you actually didn’t feel a part of? I know I wouldn’t like it. I am very happy to be identified as she/her because I very much identify as female. But this isn’t about me. I accept that I am cis gendered but I am very much an ally for all and any that identify as a different gender and embrace being non-binary. I accept that gender is a spectrum and I want to see more LGTBQ+ voices pulled through because the more we see it the less sensationalised it is. All of these voices matter.

    In the past I have brushed this off and said “oh it’s too hard” but actually it really isn’t. It’s not hard to ask what someone prefers to be called, we are just changing the question a little bit. Have we really got so stuck in our ways that changing the question is just too much effort? Refusing to accept that others may identify differently to what you have been brought up to believe is lazy. Radical even. So unthinkable. It’s only going to be unthinkable to people that don’t have a clue what it’s like to be in that marginalised group though isn’t it? Because thats what priveledge is, never having to be in a position where you are oppressed or judged because of a part of you that is just you. When we refuse to call someone by their preffered pronouns, or accept that they identify differently and prefer they/them (or others) we are refusing to accept and acknowlege who they are.

    Take the next step, don’t be afraid to ask questions, open conversations and listen to other people.

    Why language is more important than ever

    The way we speak to people is really important and it’s not about being a snowflake generation or being too politically correct. It’s just about being a decent person. It’s about accepting and acknowledging that people are different. We are quick to say to our own children that being unique and different is not something to be worried about, that everyone is different and no one is the same but it’s incredibly contradictory to then put a boundary on how different someone is allowed to be before it’s deemed socially unacceptable. I don’t think this is fair.

    Cis gendered people need to learn and accept that gender is spectrum based and many people identify differently. We need to be allies and we need to raise allies. This is why I think the improvement to include LGTBQ+ families and identities into relationship and sex education is vital. Big changes start with teaching children different social constructs so this is absolutely vital to breaking down barriers, smashing the patriarchy and creating all inclusive allies.

  • Journey To Debt Free – November 2019

    Journey To Debt Free – November 2019

    Becoming debt free has been a real focus this year and it will continue to be a focus for next year too however I am pleased to say I have done really well this year. We have paid of, I would say, at least half of our debts and hire purchases now which is fantastic progress. I gave myself two years to be completely debt free so we sill have until 31st December 2020 to reach that goal. I think we’ve made great progress.

    In July this year we completed a hirepurchase agreement which was costing us £17 a week. It was one of those quite big spends that we couldn’t really change which was quite frustrating. The second hire purchase will finish at the end of this month which is about £6 a week. It’s not a big difference but it’s a completed hire purchase and it will finally be done.

    I have now closed around six debt accounts too of varrying amounts and I currently have three left. I’ve had to continously adjust the amount I can afford to pay back each month but I am still on track to close two more debt accounts in December as they are both under £200. It does make me feel a bit sick still thinking that I have to pay out £400 between now and the end of the year as the payments are a little bigger than I can afford but the feeling I get when I see those debt accounts completely closed will trump that feeling.

    Earning more money through self employment is a big goal for next year. I want to earn around £25,000

    That will then leave me with four credit cards and one last debt, which has been the biggest one for ages.The biggest debt is our water rates and every six months has around £200 or so added to it from the water company. It’s currently about £1400 and I’m only able to pay £5 a week right now as I focus on bigger payments for the other debts. I am then going to focus on my smallest credit card which has a balance of around £175 before increasing my weekly payments to £15 a week.

    The credit cards are hard because there are times when we need to use them however, the balances on them is now quite high and I am keen to spend 2020 clearing those balances as much as possible. I do want to close the water account though so I will have to do a new budget at the start of the year and work out exactly what I can afford to pay where.

    Here is my update:

    Credit Card 1 – owe £175
    Credit Card 2 – owe £650
    Credit Card 3 – owe £950
    Credit Card 4 – owe £2400
    Debt 1: £140
    Debt 2: £199
    Debt 3: £1400
    SimplyBe Account: £150 – currently paying £50 a month back on this one which I’m happy with as it’s clearing it nicely and I have a balance should I need any clothes – being plus size means my size isn’t usually stocked in stores.

    I really want to organise my tax accounts better too so that I can keep track of what I’m earning and what I’m spending

    The amount has fluctuated through the year as I expected it would. I’ve had credit limit increases on my card which seemingly have come at the right time for when we’ve been short and frustatingly that balance has increased because of the smaller, regular purchases. We also have not stuck to some of my budgetting tips, meal plans, shopping lists and have had some more extravagant purchases which we really shouldn’t have done. However, I don’t want to feel guilty about that because there’s no point to it. What I want to do is celebrate the fact that I have closed some debt accounts, we have closed hire purchases agreements and will have another two debt accounts closed by the end of the year.

    It’s been really hard some months and I want to make it much more mangable for us next year. I am going to start putting money into a savings account each week again from the start of the year. I think I will start with £5 a week at first and then as more debt accounts and credit card balances come down I will increase this. Ideally I’d like to have saved around £250 by September to go towards Christmas.

    I have two big financial goals for 2020. The first is to get rid of the water account debt of £1400 and the second is to clear the balance to within £100 on Credit Card 3. We have a cruise booked in December 2020 and I really want to put Credit Card 3 as my cruise account card. I won’t use the entire balance but I think it will be better to budget if I have some spare funds. Adam is going to link his own credit card to his cruise account so we can take it in turns paying any extras.

    My other financial goals for 2020 are as follows:

    Earn an average of £2080 a month through self employment, freelancing, blog and social media work
    Pay off my two smaller credit cards and keep the balance under £50 on Credit Card 1 and £100 on Credit Card 2
    Stop spending on Credit Card 4 and gradually increase payments as and when I can
    Have £500 saved for Christmas
    Add an additional £300 to my private pension fund throughout the year

    We want to try and clear everything as much as we possibly can between now and the end of 2020 so we can start 2021 with as clean a slate as possible and focus the first six months on saving as much money as we possibly can to be able to move house. I would absolutely love to be able to save £6000 in those first six months of 2021 as it could make a huge difference to moving house. This would be enough to cover the first three months rent on our ideal type of property, deposit and fees, and then hopefully some moving costs too. In an ideal world, we would want six months worth of rent saved but e will just have to see how much we can clear next year first.

  • Decorating the Home for Christmas – Ad

    Decorating the Home for Christmas – Ad

    I have seen everyone debating on when the perfect time to put up the Christmas decorations is. I personally don’t think there is a perfect time. For us, it’s a weekend when we are all together as a family as close to the start of the month as possible. We try to keep all the decor up until the first weekend after New Years Day when it all comes back down again and lovingly placed back in the box.

    I don’t have a theme for Christmas decor really but as time goes on we have collected some really lovely decorations. Long gone is the day where I had to get everything from Poundland. We now have the freedom and flexibility to design our festive theme exactly how we like. I’ve considered temporary Christmas wall murals this year as they look absolutely stunning. Removable wall paper and murals are a great addition to the family home and I’ve been looking at peel and stick wallpaper from Wallsauce for some inspiration.

    Image from Wallsauce. Peel and stick wallaper can give make a huge difference to a room this festive season

    Of course peel and stick wallpaper doesn’t have to be a temporary thing. It’s a great way to transform a room and ideal for those in rented accomodation, like me, as it can be removed easily and won’t damage the landlord’s walls. It’s a great way to create a festive backdrop or feature wall in your own living space.

    I can’t deny that I am super excited for Christmas this year. We are just fitting in our festive plans and finding out which Christmas markets to visit. We are hoping to book in a festive afternoon tea before the big day too. I have written my Christmas food shop which covers 22nd until 2nd January and just need to get that booked in now. We’ve already sampled our first few festive coffees and I have to say we have put our Christmas tree up too. I am really looking forward to Christmas this year and I hope you have a very happy, festive season.