Here's to February! 

The month of Love and the month of many birthdays fast approaching within my circle of friends. 

This month, I would like to do a challenge on myself regarding my finances.

The challenge... To not spend and to go on a freeze. 

This is going couple of months without any outgoings like I would usually do. I've decided to walk this route to enjoy what I already have in my wardrobe and around me. Without realising, spending becomes like breathing - which I fully don't want to continue have as a habit. I remember doing something very similar last year and everything became easier to walk in a shop and walk straight back out without spending a dime.

Freezing usually is up to 6months of no radical spending. I'll allow myself £50 to spend once in a blue moon, but this would be rarely done. 

What's been happening? 

The next step this month is to think wisely about applying for a credit card. Oh! I totally forgot to mention that I had reactivated my credit report and things are looking rather good. My score has increased. Woohoo! If you'll like to check your score/rating based on your credit, I am with Credit Experian. They are free for 30 days and £14.99 thereafter. I would totally recommend it. 

So let's, see how far my challenge can go.... 

Freezing is a good way to see what you can live without. If you are used to frequently spend, this will be a good way to start ONCE you have your financial circumstances in the right order. With the credit card, I thought well about it, done as much research as possible and planned carefully for the use of it. Applying for a credit card can uplift your credit score or downfall it based on your repayment. If paying on time and funds are an issue to keep up with, then I would highly recommend to later come to this subject. Remember credit card funds isn't yours afterward, it is BORROWED finds and you get charged extra when using it. Best way to put it.