Attitudes to money have changed a lot over three generations in my family.

My parents were very much of the view that if you did not have the cash available, you did not buy a product or service. Credit was not something they wanted to get involved in and they even set an income level before they would get married and start a family.

I think credit was less readily available then. If they had struggled they would have gone to family I imagine but even that seems unlikely unless it was an absolute crisis.

They bought  things locally and I guess local businesses acted on trust sometimes or made special deals.

I started borrowing money when I became a student because it was pushed on you then and I was very naïve. Free money! What young person would have turned that down in the Eighties before we saw how borrowing could come back and bite you on the derriere once a change of life circumstances like the loss of a job or a new baby happened. As a debt counsellor, I saw so many people struggling particularly if they became ill or disabled and were unable to work.

It did not stop me though and I would spend and borrow, borrow and spend. Looking back, I think this was part of my mental health issues but at the time it just seemed like fun until the demands for repayment arrived.

I think credit is now part of 21st century society and will be for some time yet. Whether you consider online personal loans by Northcash or talk to your credit union I think people will be borrowing rather than bartering for some time yet.

I thought it would be helpful to find out what my son’s attitude to money was. He simply said “I like it!”. Don’t we all? Tomorrow, I will have a longer conversation about budgeting as he works his way slowly into adult life.

How have attitudes to money changed over the years in your family?


Hot Pink Wellingtons

I think blogging still remains a bit of a mystery to some of my readers who don’t blog themselves. I also think every blogger can learn loads from the stories of other bloggers. With these things in mind, I have started a series to highlight  bloggers and their journeys. Here is my interview with blogger Kacie Morgan from

Why did you start to blog?

I began blogging after completing a journalism degree at Cardiff University, because I needed to develop a portfolio of published work and I thought a blog would be a great platform upon which to showcase my writing skills. I had no desire to move to London to find work and I have always been passionate about food, so I focused on this initially. Over the years, my blog has developed to cover travel as well.

How did you feel when you started blogging?

When I began blogging seven years ago, there were nowhere near as many blogs as there are today and so the competition wasn’t as fierce. I enjoyed publishing my writing online and it was nice to be able to voice my opinions on the Welsh food and drink scene.

How do you feel about blogging today?

Today, blogging is actually one of my primary income sources and it has enabled me to quit my full-time job in marketing. It is a business for me, although I often publish posts that I haven’t been paid to write if I am particularly passionate about something.

The increasing popularity of blogging has made it harder to stand out though, and nothing annoys me more than when I can tell that a newbie blogger has used bots or bought followers to artificially inflate their rankings and increase their appeal to brands. I can spot the tell-tale signs and as a blogger who has developed a genuine, loyal following over seven years, I find it very frustrating. However, there have been signs that PRs are now wising up to this and social media platforms like Instagram are also cracking down on dodgy apps, so lets hope blogging will regain its authenticity in the near future.

What is your proudest achievement related to blogging?

I was chosen to represent Wales in a Sainsbury’s magazine feature on regional food, drawing upon UK bloggers’ opinions.

What is the most exciting event you have attended as a blogger?

Notting Hill Carnival 2017 in London – Travelodge provided me with complimentary accommodation for two nights so I could attend the event and write a blog post, mentioning my stay with them.

Do you monetize your blog and, if so, how?

Yes. Sponsored posts, occasional advertising. I need to find more time to focus on setting up affiliate advertising, as I’m not making the most of it at the moment.

What do you find most challenging about blogging?

It can be challenging to have a steady flow of content going out regularly, while also juggling my freelance writing deadlines. I always try to think of interesting and original ideas for posts too, so that my content appeals to both new and existing readers, and hopefully, gives me an edge over other bloggers in my niche.

What surprised you most about blogging?

It always surprises me how much time and effort I have to invest in promoting my blog posts, as well as writing them.

How do you balance blogging and life?

I do try to have a work-life balance and I always tell myself I won’t do any work after 7pm, although in practice, this doesn’t really happen all the time.

What would lead to you giving up blogging?

If I was no longer able to produce an income from it – I enjoy blogging, but I don’t think I could go back to working in a full-time job and blogging for the fun of it.

What is your top tip for a new or inexperienced blogger?

Find your niche. The blogging market is saturated, and that is only set to intensify over coming years. Don’t just cover ‘food’, ‘travel’, ‘fashion’ or ‘lifestyle’ – find a specific theme to focus on, and stick to it.

I hope you enjoyed my interview with blogger Kacie Morgan and that you visit her amazing and beautiful blog.

If you would like to take part in this series of interviews, please get in touch with me.


Cuddle Fairy

I love this essential guide to travel photography. It gives clear information on what you need and what is nice to have along with inspiration for photos to take in locations around the world. Perfect for amateurs like me but also handy for any photographer.

Guide To Travel Photography


I have a 2018 diaries giveaway and these are really lovely diaries which are beautiful to look at and inspirational too.

2018 Diaries

2018 diaries

With vibrant, uplifting artwork, thought-provoking monthly themes, and insightful weekly quotes, the Every Day Matters 2018 Diary will help you feel highly organised and deeply

Inspired every day of the year.

For the fourth year in a row, Watkins is publishing the popular Every Day Matters diary, created by positivity blogger Dani DiPirro. Designed as a resource for enriching daily life, this bestselling illustrated holistic planner will guide you on a journey of awareness and fullment as you go about your day. This year’s monthly themes include: Openness, Imagination, Gratitude, Awareness, Passion, Perspective, Friendship, Patience, Connection, Focus, Compassion, and Transformation. In addition to the practical features of a diary, Dani provides inspiring illustrations and armations to encourage daily awareness.

Inspirational diaries

Each week-to-view spread features an insightful quote that encourages reection on the theme, and an exercise to further your overall wellbeing. Focusing on one theme each month, with a unique take on that theme each week, allows awareness and understanding to grow- so positive action can become an integral part of daily life.

Beautiful to look at

The vibrant, contemporary illustrations and encouraging content will draw the attention of both those who already know and love Dani’s work, as well as those who are completely new to her brand. The diaries are ideal sizes for pockets and purses, and have handy elastics to keep them neatly closed.

Staying inspired and organised has never been more convenient. So here’s to a year ahead where we really do make every day matter!

About the author:

Dani DiPirro is the founder of , an inspiring website created in 2009 to help others create lives  Filled with more positivity, awareness, and self-live. Dani is also author of The Positively Present Guide to Life , and
Gratitude , Living in the Moment , Compassion , and Forgiveness . She has a loyal following and over 120,000 monthly page views on her website. Her work has been featured on sites such as The Happiness Project, Psychology
Today, Glamour , and Forbes , and she has been featured as ELLE magazine’s coach of the month. For more information visit:

You could win 2 diaries in my giveaway – simply  enter via the Rafflecopter below and have yourself a positive New Year.

a Rafflecopter giveaway

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