Your finances – do you know everything there is to know?

Looking after Amy is a full time job and I’m not the only mother who knows how hard it is to get a bit of alone time. Being a new single mum makes it even trickier, but luckily I still don’t have miss out on my beloved shopping trips because Amy loves them just as much as I do. I’ve trained her well, haven’t I? Whether it’s for clothes, food or just to occasionally splash out, I think it’s great to share these girly days with Amy. They’re always so much fun.

Sometimes however, it’s hard to switch off and not think about your financial situation. Being solely responsible for Amy is tough and although I know how important it is to have fun days out, I often find myself worrying that I’ve spent a little more than I should have, but I do like spoiling Amy a little. She really deserves it and she’s a great partner in crime. She’ll tell you straight, if something is “so pretty mummy” or “uhh ugly” and with her, I really don’t have to worry about buying 10 notebooks a month. She won’t judge me!

Ben however got the odd white lie from me when I’ve spent more than I probably should have. I’ve seen this video recently, and it’s a source that quite literally describes the tactics that I’ve used with Ben! A new pair of shoes or a pair of jeans that make me remember the days before baby sick stains have crept on to my bank statement once or twice, but I’ve always thought it was okay to keep some of your spending from your partner.

It’s not really though, is it? I would have been devastated, had I found out that Ben had been lying to me and maybe hidden a bad credit score or secret credit card. The video really made me think about honesty in a relationship and why it’s important to be transparent with each other about money and spending. Ben and I might not be together anymore, but it’s something to remember for future relationships and life in general. Secrets are hardly ever a good thing and I wouldn’t want a sneakily bought pair of shoes to jeopardise my relationship and future.

A great way to look into your credit history and making sure that you are both able to get credit in the future is regularly checking your credit score with an accurate and reliable source like http://www.creditexpert.co.uk/credit-score.asp. The website is not only easy to use, it also offers great advice for those who need to improve their credit rating, as well as finance deals that best match your credit score. I wonder, if there’s one for handbags! I know, I know – a girl can dream, right?

In all seriousness though, I do think it’s okay to indulgence and treat yourself or loved ones once in a while, but it is important to keep a close eye on your finances, so you can made sure that you take no unnecessary risks for your financial future.

Do you keep an eye on your finances and have you ever checked your credit score? Did it surprise you or was it as you had expected?

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