meta name="p:domain_verify" content="fe1fa8c212a437fce0 The Frugal Trial

Thursday, 26 March 2015

Rising Energy Costs

Rising energy costs are a major cause of concern for most families living on two modest paychecks. At the same time, soaring temperatures are forcing more and more homeowners to invest in air conditioning systems that account for nearly 43 percent of the average household energy bill.  The good news is that minimizing your energy utilization is not as difficult as it seems to be. A few simple steps like buying the most energy efficient air conditioning unit and improving the insulation and sealing around your home can help you make huge savings on your cooling costs. 

The infographic below has more tips to help you maximize the energy efficiency of your air conditioner. 

Infographic created by Sovereign

Tuesday, 10 March 2015


I have good news this month. I have secured a temporary part time role which will certainly assist with the cash flow. I think at the end of this job that I will start maternity leave as I am finding pregnancy quite tough and I don't really want to be commuting when heavily pregnant but I'll see how things go - I might be all sprightly come May(!). 

I have been doing a few balance transfers this month which means that my debt repayment has not been so brilliant (actually this is by far my worst debt repayment month) as I have incurred fees. My minimum repayments have also reduced and as my job finished in February I was very hesitant to make any extra payments this month. However, hopefully I'll be able to make some decent extra payments during April as I should be paid at the end of March. I now only have two credit cards. My debt is now as follows:-

Credit card 1 - £2,873.11
Credit card 2 - £5,637.38 

TOTAL: £8,510.49

So anyway, a rather embarrassing show this month. I hope your debt repayment was better. 

On a slightly different point, my twitter was hacked. Has this happened to anyone else recently? 

Sunday, 8 February 2015


I haven't done a debt update for a couple of months so I thought it was time to provide an update. My debt is now as follows:- 

CC1 - £2,902.11
CC2 - £3,886.12
CC3 - £1,734.16 

TOTAL: £8,521.39 

I have paid off £700 during January and February. The reason being is that I had some money left over from my old rental deposit. In addition, I needed to transfer a £300 balance so I decided to just clear it this month. 

Since February 2014, I have cleared £8,591.66 of debt so I am halfway to debt freedom. 

I hope your debt repayments are going well. Let me know how you doing.