Hi...I'm Gemma

Through a mixture of "keeping up with the Joneses" and "flying too close to the sun," we somehow turned around and found ourselves with around £140k of personal debt and suffocating monthly payments.

We were living in a big manor house with an even bigger mortgage and car payments. When we became parents, we suddenly realised how fragile and unsustainable our lifestyle and finances were.

So, we stripped everything back to basics, sold everything we owned, and started over. I started BTB in 2020 as a way of documenting our journey as a family as we tried to repair our relationship with money and build a smaller, simpler, and slower debt-free life.

After lots of hard work and budgeting, we celebrated our debt-free day in 2024!

Read Our Story

Welcome to BTB!

Please remember the only way you can fail at budgeting is to quit budgeting! Like any life skill, the more you practice the better you will become at it. Budgeting is not about restricting yourself or going without, its about giving yourself something that money cannot buy - peace of mind.

FREE BUDGET SHEET

Give every single pound and penny of your monthly income a job, put your money to work, and help achieve your financial goals with my easy to use Budget Cheat Sheet.


All the formulas are already configured for you and locked / protected - making quick budgeting and automated calculations easy & simple!

GET YOUR FREE COPY

I'm always here to help: