All about dough.

 In a 1748 letter entitled Advice to a Young Tradesman, Benjamin Franklin coined the famous phrase “Time is Money”. The closing summary of this essay is as follows:

“In short, the way to wealth, if you desire it, is as plain as the way to market. It depends chiefly on two words, Industry and Frugality; i.e. waste neither time nor money, but make the best use of both. He that gets all he can honestly, and saves all he gets (necessary expenses excepted) will certainly become rich”

270 years later his advice remains as valuable as the day it was written.

The balance of industry (using time to make money) and frugality (saving money) is essential to the way we live our lives. Every single day we make choices to value time over money or money over time. Every single day we spend time and money, using up the limited amount of both that we have.

What I will do is help you to use your money effectively whilst using your time efficiently.

This blog will save you time and money. With money tips you’ll find I’ve done quite a bit of the leg work for you. Anything you read has already been researched and condensed to save you time and money.

This blog is packed full of hints and tips that will help you save hundreds of pounds. No tricks, no schemes, just straight forward advice to help you make the best of what you have (and help you make a little bit more too!).

To help you to do that I’ve graded all the posts according to time taken and money saved. Of course, they are all worth doing (otherwise they wouldn’t feature) but since you’re busy, you might choose to do the easy wins first. So 1 red star and 3 green stars will take you less than 15 minutes and will earn or save you £500.


If you want to get in contact then drop an email to , say "hello" on twitter @samdhoward or drop a comment below.
I’d love to hear your money saving tips, experiences or any questions for future posts.

A quick note on affiliate marketing

The internet is a great tool. Regularly I find websites that explain things much better than I could, or useful resources that will help you out. I’ve linked to a lot of different sites throughout this blog. In some of these cases I’ve used a form of affiliate marketing to take a little slice of any purchase you might make through those links. It doesn’t cost you anything extra, and in some cases might even work out cheaper but provides a very small percentage to dough. for the referral. Here’s some quick thoughts on it:

1. I won’t link to anything I don’t think is worth your time. I am here to make life easier for you. And to save you money. Therefore, if I link to anything it is because I think you would benefit from it.

2. The blog costs a bit of money to run. Not loads but buying domains, emails, other bits and pieces like that come at a price. I don’t do it for to earn an income, but it’s nice to think that one day dough. might pay for itself.

3. I wanted to have a go. There are a lot of sites that say that affiliate marketing (the process of referring someone on and taking commission for it) is a way of using your blog to make millions and never work again. I am highly sceptical of such claims, but I wanted to test it out. That way in the future if I blog on affiliate marketing, I can provide a more informed opinion.

4. It's a money saving blog. I'd be silly not to.

If you have any more questions regarding this, then please drop me an email, I’d be happy to explain more.

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