Blogger Profile

Sam Howard

Blog Info

Dough- The time saving money blog
General Finance
Money saving, money wisdom, Industry, Frugality, cashback
Start Year:

Blogger Bio

United Kingdom
Life stage:
DIK (Dual Income, Kids)
Fave $ Books:
Oops! We don't have this blogger's faves, yet. If this is your blog, fill out our poll here!
Fave $ Apps:
Oops! We don't have this blogger's faves, yet. If this is your blog, fill out our poll here!

(Is this your profile page? Update your info here. To update your icon, go to gravatar.com.)

Latest Blog Posts

An American investment banker was at the pier of a small coastal Mexican village when a small boat with just one fisherman docked.  Inside the small boat were several large yellowfin tuna. The American complimented the Mexican on the quality of his fish and asked how long it took to catch them.The Mexican replied, “only a little while." The American then asked why didn’t he stay ...
Posted: Jan 16 2019 @ 9:51 AM
"Don’t be fooled by the calendar. There are only as many days in the year as you make use of. One man gets only a week’s value out of a year while another man gets a full year’s value out of a week."(Quote from Charles Richards- Canadian Politician and Chief Justice)As we power into 2019 we might just miss the opportunity to reflect on the year ...
Posted: Jan 08 2019 @ 10:28 AM
A few weeks ago I published a post with 11 tips from UK money bloggers on how to earn an extra £50 today. I asked the same bloggers how they would cut their costs by £50 quickly, thinking I'd get a similarly nice sample of different options for you. Here’s the thing- they all grouped around the same few points. There are three key ways to save ...
Posted: Nov 22 2018 @ 9:59 AM
Time for something a little different. A post that involves some group participation. You could call it a quiz if you wanted to make it sound fun. Or a test if you wanted it to sound like hard work!I’ve pulled together four questions for you to answer. They are mainly taken from a study from America (see link below) which aimed to find out the financial ...
Posted: Nov 12 2018 @ 10:05 AM
Eat that Frog- the key points“If the first thing you do every morning is to eat a live frog, you can go through your day with the satisfaction of knowing that that is probably the worst thing that is going to happen to you all day.”* Personal development author Brian Tracy has written a short book call “Eat that Frog”. It’s all about getting more of ...
Posted: Oct 08 2018 @ 11:52 AM
How do you decide whether taking on extra debt is right for you?Since the recent increase in the bank of England interest rate it’s likely that the costs of loans, credit cards and mortgages will start to gradually increase. It makes now a great time to assess your spending habits and level of debt.If you are asking the question about whether more debt is right for ...
Posted: Sep 11 2018 @ 9:13 AM
 11 UK money bloggers answer the question- “What would you do to earn an extra £50 today?”We’d all like to have a bit more money available. What are the fastest, most straightforward, most actionable ways that you could do that today? Photo by Sam Truong Dan on UnsplashRather than coming up with all the ideas myself I put this question to 11 UK money bloggers. I specifically requested things that anyone could do, on ...
Posted: Aug 31 2018 @ 5:02 PM
How are you doing with your New Year Resolutions?At the start of the year I made a chunk of resolutions and posted them here.As over half of the year has passed it is worth updating on how I'm getting on. They fell into three categories- work, smartphone and extra income. I won't work through all of the work and smartphone resolutions in detail but one comment on them overall.Discipline becomes habitBy ...
Posted: Jul 30 2018 @ 9:58 AM
The surprising benefits of saving.“The habit of saving is itself an education; it fosters every virtue, teaches self-denial, cultivates the sense of order, train to forethought, and so broadens the mind.”I came across this quote from Thornton T Munger (a pioneering research scientist in forest management no less). It is very insightful, outlining multiple benefits to habitually savings- beyond what you might expect. Here are 5 thoughts- on how saving ...
Posted: Jun 13 2018 @ 9:40 AM
How I'm saving for my new daughter's future- Part 3:Index FundsFun with FundsThis is the third and final part of my series explaining how I'm saving for my new daughter's future.If you haven't yet taken a look, it would be worth reading through the first two before diving in here.Part 1: Compound Interest- What's so interesting about interest?Part 2: Risk vs Return- Probabilities and Peanut ButterHere's the conundrum. I want ...
Posted: Jun 08 2018 @ 11:58 AM


"This is one of the best, most informative personal finance web sites I've ever seen"

-- Daffy Duck, DaffyIsSoTaffy.com

"This guy clearly knows his shit; with every post, I feel like he's got my back as one of those "savers", and his web site is pretty damn cool, too"

-- Scuba Steve, MyScubaGearIsSoWet.com

Leave a Comment

To leave a comment about this blog, fill out the following form.