No Spend January 2026

Happy New Year, you lovely people! 🎉 If you’re reading this, you might already know that we’ve kicked off No-Spend January 2026! a challenge I’m hosting right here on Budget Mum Soph to help us all reset our spending habits,...

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No Spend January 2025

budget mum sophs no spend January 2025

If you’ve ever felt like your spending habits spiral out of control during the holidays, you’re not alone! That’s why so many of us dive into No Spend January—a chance to reset, refocus, and save some serious cash. Whether you’re aiming...

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Frugal February 2024 | Join the Challenge

Frugal February budget mum soph

Welcome! Some of you may be here as you are about to complete No Spend January, others may be looking for a less intense challenge. After the success of No Spend January, I have decided to set a low spend...

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How to Build an Emergency Fund on a Budget

Budget mum Soph how to build an emergency fund

Building an emergency fund can feel really daunting. Especially when the sofa needs paying off, the kids need new school shoes and you're still wearing clothes from 5 years ago. But building an emergency fund was one of the best...

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What are Sinking Funds?

budget mum Soph what are sinking funds

One thing I owe a lot of our budgeting to is Sinking Funds. I won't lie, the term used to really confuse me so I put off learning about them for a while. But with the help of my mum,...

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