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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

I came across an article which tells me that millennials waste too much money on coffee to be able to afford to buy a house. Since this blog is powered by coffee and buying a home remains a life aim for many people this concerned me greatly. Fortunately there’s a way to have your cake (coffee) and eat (drink) it too. And better still, you save ...
Posted: Oct 06 2019 @ 3:54 PM
For most of us, retirement seems like a long way off, being well into your 60s or 70s. But what if retirement could be earlier, much, much earlier? Photo by Joshua Earle on UnsplashTo many it sounds like a dream, win the lottery, come into an inheritance from a long lost relative, and never have to work again. Having not so recently tipped into my thirties, I ...
Posted: May 24 2019 @ 2:19 PM
Many of us spend hours each week sitting behind the wheel of a car, travelling to and from work. But what is the cost of all that driving? How much of a difference does it actually make?Photo by Ryoji Iwata on UnsplashInspired somewhat by my previous blog post, and as someone who has recently moved jobs, I'm very aware of the difference in my journey time now, compared to a year ago. I ...
Posted: Feb 16 2019 @ 11:51 AM
Dough is the time-saving money blog. One way I save you time is read books on your behalf, condensing the key messages down and give you bite-size snippets that give a taste of the information you need.The four hour work week is a book that has been around for a few years but carries a message that links closely with the content of this blog. ...
Posted: Jan 31 2019 @ 10:08 AM
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


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