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Sam Howard

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Dough- The time saving money blog
General Finance
Money saving, money wisdom, Industry, Frugality, cashback
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United Kingdom
Life stage:
DIK (Dual Income, Kids)
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Latest Blog Posts

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
Turn your receipts into cashReceipt Hog is an app for, you guessed it, receipts. You take a picture of any receipts you get through the app and it rewards you with cashback. But is it worth the effort? How much can you earn? This post will give you the low down on how it works, and if its really worth your time.How does it work? It's simple, very simple, which is good ...
Posted: May 25 2018 @ 9:18 AM
How I’m saving for my new daughter's future- Part 2: Risk vs Return Probabilities and Peanut ButterLife is risky. But just how risky?This is the second blog in a short series on how I’m saving for my new daughter’s future. If you haven’t read the first blog, it would be a great place to start.How I’m saving for my new daughter’s future- Part 1: What's so interesting about interest?Probabilities and ...
Posted: Apr 27 2018 @ 6:03 PM
At the start of the year I posted my time saving and other resolutions for the year to come. The original post can be found here. In the spirit of transparency, here's an update on how I'm getting on after a few months:Work1. Email. I resolved to only check emails a couple of times a day at work. This is difficult. There's often emails or attachments I need to refer ...
Posted: Apr 09 2018 @ 9:50 AM


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