I was brought up in poverty and although we had fun and loads of laughs there was always the worries and pressure and embarrassments that came with no money, even as a young child.

If you can get yourself into the position of earning more than you pay out, it can bring some contentment. Ok, it’s not always possible but there is a skill to doing it and pulling it off. Over the next few weeks, I am going to attempt to show some pointers towards a more contented life. Here is the first article.

Man shares ‘best thing he ever did’ as he explains how he cleared £20,000 worth of debt

 Mr Chaudry left his traditional office job in 2018 in favour of freelancing, launching an entrepreneurial career in house painting. He shared his journey to financial freedom in an exclusive interview with along with some vital tips to help others shed their debt.

The West London resident, like many, first went into debt during university and fell into a vicious cycle of payday loans.

“The cycle before that, for about seven years, was I had six or seven payday loans revolving every month to pay off the other payday loans,” hge explained.

“It was a very deep cycle I got myself in. I had to do something quite drastic and waiting for the company to give me a pay rise or a random bonus [was] not going to happen.

“All the expenses were crazy. So long story short, whatever my salary was after taxes, my general bills were at least half, and then with food, at the end of the day I had about £200 to pay off my credit cards which were all maxed out. Then I had no money left so I’d use my credit card and it was just a constant cycle.

“My normal salary wouldn’t cut it, [it was only] as soon as I started earning a little more on the side did I start to get ahead.”

Mr Chaudry initially started freelancing in the evenings and weekends on Airtasker UK while still working his corporate sales job to test whether the industry was a fit for him. It also enabled him to supplement his income in the lead-up to the arrival of his first child.

After three months, he came home early one day to inform his wife that he had quit and planned to go full-time into painting.

“I quit in December of 2018 but from about August I had started doing part-time work in the evenings on top of my job just to try it out. People were already referring me.

“I wasn’t a professional painter, I wasn’t trained. It was either to do this or have something really amazing happen at work, which we’re always waiting for but never really comes around. So I had to take action.

“My reputation went up, my portfolio went bigger, reviews were better and I worked off that. First year, year and a half I got my jobs because my reviews were so good.

“I wasn’t comfortable anyway,” he added.

Mr Chaudry shared some of his top tips on how ordinary people can clear all of their debt just like he did: “It’s all about cashflow.”

Mr Chaudry commented that earning good money alone at one day job is not enough to completely clear one’s debt.

“You have to try to earn more money but at the same time reduce your expenses. Switch off subscriptions you don’t need, I quit gym.

“There’s so many things you can cut out it’s unbelievable: food, don’t have takeaways, or just cut out meat! Meat is so expensive, cutting it out lifts your bill so much. Also don’t treat yourself too much. You don’t need the cakes and soft drinks.”

He continued: “Switch your shopping. I used to go to Tesco and I switched to Aldi which have fantastic food and I save 40 percent on my shopping list every month.

“Don’t go to Costco, bulk buying is great but when you walk into Costco you’re walking out with stuff you really don’t need,” he claimed.

Once expenses are under control, Mr Chaudry suggested people look for secondary income streams to supplement their wealth.

“Your next major step is working something extra to earn extra money. There’s always ways to earn extra money but if you can’t then work within your means – whatever your means are.

“Then get off social media. It was the best thing I ever did, for the first few weeks it was hard but once you get off it, it frees up your mind to think about your life.”

Mr Chaudry also noted that learning and developing one’s knowledge about finances, through books or podcasts, is incredibly helpful: “I’ve realised how bad my mentality was all these years. Always thinking I want to be rich. But it’s more about managing wealth and increasing your wealth generationally.

“I think any person who is even considered successful doesn’t declare themselves as having any self-anxiety or fear,” he concluded.

Samantha Leathers – Daily Express.




Britain’s cheapest supermarket in August named as Big Four, Aldi and Lidl put to the test

by  Emma Munbodh

The cheapest supermarket for a basket of essential goods over the school summer holiday period was Lidl, the latest price comparison shows.

The German discounter was the best-value grocer in August, coming up top against all of the Big Four supermarkets as well as fellow rival Aldi.

With the kids home full time, shoppers would have paid £24.11 for a basket of 23 essential items at Lidl, that’s 43p less than Aldi and £9 less than Waitrose.

The comparison – carried out by consumer group Which? – looked at the prices of 23 items, including own-brand products such as apples and eggs as well as branded goods such as Hovis wholemeal bread.

Lidl came out cheapest overall at just £24.11. Asda was the cheapest ‘big four’ supermarket, with a basket costing £25.22.

At the other end of the scale, Waitrose would have cost households £33.20 – that’s 38% more.

Groceries with some of the biggest price differences included own-label melon, which had a difference of £1.31 between Lidl and Waitrose, and PG Tips tea bags, which had a difference of £1.25.

For those who carried out a big shop, Which? also compared 82 items comprising more branded items.

This included Branston baked beans and Colgate toothpaste however it excluded Lidl and Aldi due to the two chains not stocking significant volumes of branded products.

The list also compared Kenco coffee, Oxo stock cubes and Twinings English breakfast tea with own-label products including onions and milk.

PG Tips tea bags had a difference of £1.25 between Lidl and Waitrose

Asda, at £149.20, was the cheapest of the traditional supermarkets. It was a huge £21.22 cheaper than the most expensive supermarket, Waitrose.

Grocery prices at Sainsbury’s, Morrisons, Ocado and Tesco were similar, with just £2.63 separating them.

Asda has been the cheapest mainstream supermarket for more than a year, having claimed the title every month since January 2020.

Ele Clark, Which? retail expert, told The Mirror: “The weekly food shop can have a big impact on consumers’ pockets, which is why we check hundreds of grocery prices every day.

“Our latest analysis shows shoppers don’t have to pay over the odds for a trolley of popular groceries if they go to Lidl, which was the cheapest supermarket in August.

“Shoppers wanting to cut down on the cost of a wider selection of branded goods could consider shopping at Asda, which was more than £21 cheaper than the most expensive supermarket.”

The latest figures come as a nationwide shortage of lorry drivers has led to warnings that some supermarkets could struggle to fill shelves in the coming weeks.

However, the government has rebuked concerns, insisting the food supply chain is resilient and is taking measures to tackle the driver shortage.

Meanwhile market analysts Kantar said its data showed that with the end of social distancing restrictions people have been happier to head into stores to make more regular, smaller shops over the past month.

Cost of 23 essential items – compared

Below is how much consumers spent on an average shopping basket of 23 goods last month.

  1. Lidl – £24.11
  2. Aldi – £24.54
  3. Asda – £25.22
  4. Morrisons – £27.14
  5. Sainsbury’s- £28.18
  6. Tesco – £28.47
  7. Ocado – £30.33
  8. Waitrose – £33.20

Cheapest Big Four grocer in August

The comparison of 82 items also included Ocado and Waitrose.

  1. Asda – £149.20
  2. Sainsbury’s – £158.53
  3. Morrisons – £159.34
  4. Ocado – £161.16
  5. Tesco- £161.16
  6. Waitrose – £170.42

 REMEMBER: The most wasted of all days is one without laughter.

– Nicolas Chamfort


  1. “Failure is the condiment that gives success its flavor.” – Truman Capote


Happiness is…earning more than you pay out every month and knowing that for a fact.


A century ago, two brothers decided it was possible to fly. And as you can see, they were Wright.


Love is…someone who is always there with a welcoming cuppa.


A time to maximise your cash coming in…A time to cut back severely on outgoing expenses.


4th September

1882 In its 1st large-scale test, Thomas Edison’s light bulb is used to light NY’s Pearl Street Station.

1888 George Eastman patents the first roll-film camera & registers “Kodak”.

1893 English author Beatrix Potter first writes the story of Peter Rabbit for a 5 year old boy.

1922 William Walmsley and William Lyons officially found the Swallow Sidecar Company (later Jaguar Cars) in Blackpool, England.

1998 Google is formally incorporated by Larry Page and Sergey Brin, two students at Stanford University.

1992 My wonderful larger than life Mother in Law, Janet Hodgkinson died. 




©2021 Phil M Robinson