32 articles Articles posted in Adulting

How to Make Some Extra Cash After Christmas

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With Christmas a not so distant memory and most of us still feeling the ache in our wallets after spending an absolute fortune, many of us are starting to think about ways that we can make a bit of extra cash in January for the year ahead. If you’ve already got a full-time job, finding the time to earn extra money can be tricky, but there are lots of things that you can do which can give you a cash injection without you needing to spend hours and hours every day working on them. Here are five ways for you to make some extra cash in the months ahead. 

Betting

While gambling isn’t exactly a surefire thing, there are beys that you can make which give you a decent return without much outlay. As long as you give yourself a limit and make sure you stick to it, betting doesn’t have to be something that gets out of control and you might end up with a tidy little sum that you can put away for a rainy day. There are betting calculators which allow you to work out how much you can make for your stake.

Selling Things

January is a really common time for people to have a declutter, usually because of the influx of stuff from Christmas. While you’re decluttering, put to one side all of the things that you think would be sellable and list them on Facebook, eBay, Gumtree and other selling sites. A lot of these things, once they are listed, just simmering in the background, coming up with a sale every now and again, and it takes only the amount of effort to take a few pictures and post them online.

Check your Bills

Take a look at all of your outgoings on a monthly basis – things like mobile phone contracts, TV bills, and other services that you might subscribe to, and really think about whether or not you use them. If your Sky or Virgin Media contract is up, you may be able to call them to negotiate a better deal, same with your mobile phone contract. There are probably better off options out there which could be saving you a packet every month.

Quit the Gym

Just recently I realised that I’ve been to the gym a maximum of three times in the last 12-months. My gym membership is only £9.99 a month, so it doesn’t exactly break the bank, but when you consider the fact that I’ve paid £120 to go to the gym 3 times, it can start to seem a little bit too much. Consider whether you’re actually getting your money’s worth out of your gym membership or if all of the things that you do once you get there could be done from home and you might end up saving yourself a small fortune by quitting the gym.

Meal Planning

One of the things that we absolutely terrible for in our house is buying food and leaving it to go out of date, before throwing it away. This year I haven’t made New Year’s resolutions but I have decided that meal planning is going to be something which features a lot more heavily in our lives. I’ll be choosing meals for the whole family and buying only the ingredients that we need to make them. If somebody doesn’t want to eat what we’re having on that day, unfortunately that will be their tough luck because that’s what we’ll be having and that’s what I’ll be putting on a plate in front of them! I reckon this will probably save us a small fortune in wasted food not to mention will go towards stopping us being so wasteful.

Settling Down? Plan As Much As You Can

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There comes a time in anyone’s life where the idea of being free to do whatever you want is less appealing than settling down, and starting to build something that will last. In order to enjoy anything worthwhile in life you need to discipline yourself in a certain direction, and that means a sacrifice. For example, heading to college to get a good education means spending time studying that you could have spent frolicking around your home town, bowling, playing music with your friends, staying up late and never worrying about tomorrow. But in order to improve our station in life, we know that this time is worth it, and so we do this without complaint.

The same feeling is felt when settling down. Raising a family, purchasing a family home, enjoying the years of mutual love and growth and doing so with your closest loved ones around you can be preferable to just traveling the open road year after year – but of course, it’s all up to you. When or if you do decide to settle down, however, it’s worth doing so with surety. This means planning everything you can to prevent the nasty surprise of being mistaken. As far as that is concerned, we would warmly recommend the following advice:

Planning Your Mortgage

A mortgage is the main structural backing that should allow you to gain a property you truly care about, providing the backbone of your settled life. However, it’s not only an aid, but an obligation. It’s essential that you make all the correct and most reasoned checks towards your own personal affordability that you can when undertaking this process and agreeing to it. This is because defaulting on your mortgage could not only lead you to full bankruptcy, but worse, it could leave you without a place to stay. This is why it’s very important to consider the long term ramifications of a deal like this, on top of the seasoned wisdom that asks if you can approximate this best financial solution in the first instance or not.

It can sometimes be that with the right terms, the right upfront payment, and perhaps lengthened repayment options that you can gain a property outside of your usual wheelhouse, or perhaps a more affordable solution from the beginning. The more you assess your options, the less settling down can feel like an incredible ask and more a reasoned plan for the future.

Finding Promising Value

When you decide to settle down in a property, you are tying yourself to that area for a good number of years, unless you decide to go through the complex and lengthy process of reselling or transitioning your mortgage. This is why it’s important to get it right the first time.

How have house valuations been historically, within the area you are now searching? Might this change in the future? Could gentrification lead to a larger construction effort in the local environment, and how might that affect your house price? What are the transport links like, and will they improve? What are the movement habits of local residents? For example, it’s not uncommon for certain areas to gain a vibrant youthful presence due to the expansion of a local university, but this renter’s haven could thereby lead to different impacts on your housing valuation, and that could be a good or bad thing.

In simple terms, it’s always best to find the most promising value in your local environment and measure the potential means in which it can be affected. This can help you assess your financial standing or to plan your asset management as the weeks, months and years move on.

Planning Your Income Periods

Forecasting your income projections can also be a great place to start. Sure you may be going strong with a partner right now, but what about when your expected twins are finally here? Will you be able to sustain the family and the property on one income rather than two, at least for a good amount of time? Could it be that you enjoy less job security than you think you will? Is it wise moving out of that freelance position and choosing a salaried job that will come with more benefits and less work drought than usual?

Income is usually the factor from which many base their life decisions, and this is essentially important when planning your ability to settle down. Even something as seemingly stable as an owned business could lead to further financial intensity, especially if the financing is tied to your household. This planning, taking as a cohesive whole, can help you not only make the decision to settle down first and foremost, but can curate the decisions you make going forward.

Factoring In Unforeseen Costs

Unforeseen costs can come from any direction. If you decide to purchase another car in addition to your usual runabout, then that is twice the likelihood that one day an emergency breakdown will burn a hole in your wallet. It could also be that if you live in a flood-prone area, that one day the need for intense driveway renovations will take hold and be a problem that leaves you frustrated all Spring. We cannot plan for every single measure, and sometimes we are luckier than others. That being said, it can’t hurt to plan those unforeseen costs to some extent when making your household or lifestyle investments – even if that simply results in you purchasing better insurance on all fronts.

The Priceless Factor

There are many measures of settling down that are priceless and may help you motivate your interest in doing so. Perhaps you’re happy to commute an extra twenty minutes to work due to the gorgeous seafront view you have acquired, and the option to settle down in such a wonderful property only came once. It’s important that you do keep in mind your own tastes and to fight for them, because remember, you’re not settling down for anyone else, and ultimately you will be the one paying for it.

With this advice, we hope you can settle down in the best possible sense – by planning as much as you can.

Rubbish Removal vs. Skip Bin Hire: Which Service Should You Choose

Dealing with garbage can be a real chore, especially if you have to do everything all by yourself. Fortunately, you can always take advantage of services that can take all of that trash off of your hands. 

Generally speaking, you can choose to hire skip bins or rubbish removal services. But what is the difference between the two, and which should you choose for your specific needs? Read on to learn more about both types of services, and the pros and cons of each.

The Difference Between a Skip Bin Hire and Rubbish Removal

A skip bin hire is a service that rents out said bins to a specific location. All you have to do is call them up and tell them what type of bin you want and when you’ll need it. The company will then leave the bin on your property for you to fill up. Once the bin is full, the company will return to pick it up. They will then bring it to a recycling centre or a waste disposal facility.

Rubbish removal, on the other hand, is a service where manual labour is also done for you. Typically, one or more workers will arrive on-site with a garbage truck. They’ll take care of collecting, segregating, and loading the trash onto the truck. Afterwards, they’ll haul it away to the correct processing facilities.

Skip Bin Hire: Pros and Cons

You can often rent skip bins for more than one day. This makes them ideal if you don’t generate a lot of trash very quickly. It will also cost less than hiring rubbish removal services over several days.

The biggest disadvantage to a skip bin hire is that you have to do most of the work. That means you have to collect and load the rubbish into the bin yourself. All the contractor will do is bring the skip bin to and from your property, and not much else.

Skip bins also tend to be too large to place on most front yards. This may force you to place the bin out on the street. Since streets are public property, though, you can only do so with a council permit. Failing to get a permit may result in hefty penalties. Hence, it’s best to do your research before renting a skip bin.

Additionally, some opportunistic neighbors may try to take advantage of your bin by throwing their own garbage into it. Unfortunately, there isn’t much you can do about it, unless you plan to keep an eye on your bin the whole time.

Rubbish Removal: Pros and Cons

Unlike a skip bin hire, a rubbish removal service does all of the work for you. In fact, all you have to do is book an appointment and wait for them to arrive. They’ll do everything from start to finish. This means they’ll collect the trash, segregate it, load it onto the truck, and haul it away from your property.

Thanks to this, a rubbish removal service can save you a lot of time and effort. This lets you focus on the more important things while you let the pros take care of your trash.

However, all this convenience comes at a price. Because they do all the heavy lifting, they’re usually more expensive than a skip bin hire. While it’s cost-effective for one-time disposal, it may not be as economical if you don’t generate that much waste.

All in all, choosing between a skip bin hire or rubbish removal all depends on your specific needs. Before investing in either service, consider your budget and your schedule. Either way, you can’t go wrong with getting help from waste management professionals.

8 Naughty Places To Use A Remote Vibrator

Most of the time we use our sex toys in bed or bedroom. Getting a toy with remote control is convenient, and they can unshackle us from the confines of the bedroom. These sleek vibrators are discreet and can be controlled from a distance going from a few feet to thousands of miles. Whether its regular public play or connecting with a long-distance partner, when you buy a good remote controlled vibrator, you open a world of possibilities.

8 Unlikely Places For Fun With A Remote Vibrator

1. While On A Picnic

Picture this: A nice open field, mmhmm. Laying out a picnic blanket and sitting together mmhmm. Doing all those picnic-y things. A picnic is a fun place to use a remote vibrator. It is also a good place for those who are starting out with public play. The open area or wide fields can afford some privacy for those who want to ease-in into the world of public play.

2. On A Roller Coaster

Adrenaline rushing and the roller coaster going. Thats a combo you never knew you wanted! Crank it up for power and enjoy yourself as you go through the thrill of the roller coaster and a powerful vibrator! Reese Witherspoon did it better, but hey, not all of us get to go on rides with Mark Wahlberg!

3. At The Movie Theater

Dont be afraid of having a bit of fun at the movie theater. A movie with a good background score is ideal to cover the small noise the vibrator is going to make. Its unlikely to be super obvious but be sure to keep the noise in check.

All those hot, romantic scenes in the movie just got all the more hotter and better. It goes without saying be responsible and sensitive to other moviegoers. If you feel as if youre attracting too much attention, stop and let things cool down. Choosing a time when there are fewer cinemagoers around can be super helpful.

4. At Work

You can love your job, but there are still some dull moments. Slogging through the day can get tough if theres not much happening. Or maybe it’s one of those boring meetings where Steve wont stop droning. Time to buzz out into the pleasure zone and have a good time all by yourself. Control the vibrator yourself, or if your partner is anywhere close, let them hold the reins.

Fair warning, this is not for the public play beginner. A misplaced moan, noise, or some other telltale sign could reflect poorly. Discretion and knowing when to start or stop the action are the necessary parts of public play.

5. Did Someone Say A Big Box Store?

Hey, what else am I going to do while looking at the shelves for groceries and random stuff? Getting a remote vibrator into the action makes things fun. Get your partner to control it and youll both have an inside joke while walking the aisles of a big box store. Clicking a few pics can be a good idea for a laugh later. Theres got to be a reason why you were looking so lustily at a bag of chips!

6. Long Distance Action Over The Internet

Lovers separated by distance dont need to lose touch of intimacy. Modern remote vibrators can be controlled over a distance of thousands of miles, so theres a closer sense of intimacy. All this type of vibrators need is that you (and your partner) have smartphones with good internet connectivity.

Connect the vibrator to your phone and app, then share controls with your partner. The sexy times with Skype or FaceTime just got a lot more interesting! A lot of this action is supposed to be in your bedroom, but you can take it to public play as well. Let your long-distance partner control the vibrator while you go about your day. Its fun for a hot time.

Another great option is using paired-play sex toys. In this case, toys connect over the internet and relevant apps. The idea is to have both the toys in sync. So as one toy moves, the other shows a similar response. Its nowhere as good as the real deal, but is a lovely bridge for intimacy over longer distances.

7. Be A Tease On A Date

Who doesnt love a hot date? Let your date know that you have the vibrator on you and youre willing to share. Make them work to get the remote control in their hands and your date will get hotter with anticipation. And that is a powerful aphrodisiac. Mix it up with talking dirty and sexy gestures and you will both find the date getting hotter. Be ready for some hot and steamy action right after the date.

8. At A House Party

How brazen do you want to get? Using a remote vibrator at a house party is that hot, forbidden fruit thats worth the risk. The risk, of course, is letting a vibrator loose in a party full of your close friends, or even family. For a lot of people, the reward for public play gets higher with higher risk, so a house party is worth a shot.

As your friends recount the tales of whatever and go about random gossip, you can make things spicier by having a go at the remote vibrator. Surely everyone will love how you looked so happy while hearing about their little garden or something.

Or, if you want a riskier challenge, take it to Thanksgiving Dinner. Now that should make things more interesting! Few things get the rush going like the brazen irreverence of turning on the vibrator at the Thanksgiving table. Maybe you can tell everyone how thankful you are for remote control vibrators!

Are Single Parents Being Penalised? #CostOfSingleParenting

Single ParentsPhoto by S&B Vonlanthen on Unsplash

One thing you may or may not know about me is that I am basically a professonal bargain hunter. I never pay full price for anything, unless I’ve fully satisfied myself that there’s not a discount code or voucher that I can use, or some way to bring a price down before buying. I collect points for everywhere I shop, never EVER pay full price for a pizza without searching for a voucher code and I even shop around every three months to get my contact leanses at the cheapest price.

This summer, we’ve been trying to do things as a family and we’ve been fortunate to get ‘family’ tickets for a lot of places, thanks to the fact that we’re a “two adults and two kids” family, which is where most discounts are firmly aimed. However, it got me thinking about the fact that single parents are being penalised and missed out of discount opportunities, despite the fact that with just one adult, they’re probably in greaterneed of offers and discounts than anyone.

PayPlan has put together an infographic showing the true cost of the summer holidays to a single-parent family and some of the figures are truly eye-opening:

Do Single Parents Feel Penalised?

As well as missing out on the discounts, being the sole breadwinner must be daunting for many. I thought I’d ask some of my single parent friends if they felt that they were penalised for being a non-conventional family and about the difficulties they’ve faced. Here are some of their comments:

Zoe (Insta: runningonempty_mummy) said “I’m new to the single mum world and notice it all the time – family tickets [aimed at 2 adults and 2 kids], holidays abroad – I got charged a supplement, kids eat free with two adult meals bought etc”

Sarah said “I’m not a single parent but I travel and go out a lot on my own with my 5 year old. I find I can’t use child free places on holidays, I have to sometimes pay single Supplement in rooms as he’s only 5, I can’t take advantage of family deals at the cinema (even with the husband we don’t have enough kids to make the min number) I also effectively pay more per head on the train as well as with groupsave other adults can travel free bringing cost per person.”

Mandy said ” I had an argument in [a cinema] once; they had this promotion on for families for tickets and like a snack combo thing, which worked out cheaper than me and sienna and a snack combo, but they wouldn’t let me have it”

Sian said “Not [a single parent] anymore, but continue to be sick of having to be quizzed as to who I am to my daughter when bringing her home from abroad get no one ever cares what kids I’m taking out the country!! Just because we made the mistake of putting a fathers name on birth cert doesn’t mean we should be interrogated and humiliated at every UK airport!”

Toni said “Private renting is my biggest problem. I work but obviously don’t earn enough to be able to private rent a house without claiming top up and no one accepts it. So i am left renting a damp house with a leaky ceiling because I am worried if i complain i will be evicted and homeless.”

Are you a single parent? Do you feel like you’re overlooked when it comes to money saving opportunities? Do you experience other difficulties? I’d love to hear your thoughts on this, please do leave me a comment below.

Ways You Can Get Out Of A Slump And Back In The Swing On Things

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For some reason, life has this strange way of handing us lots of adversity. Sometimes it is fine to deal with; sometimes it’s even quite fun as it provides us with a challenge and helps us veer away from the mundanity of everyday life. A lot of the time, however, it can be quite draining. We’re already very busy with everything on a day-to-day basis, so throwing in a few curveballs isn’t exactly what we want. Maybe it’s the universe’s (or God’s, if you’re a believer) way of providing a balance. Who knows? What we do know, though, is that it takes a lot of effort to climb out of certain issues.

Are you in a bit of a slump right now? Well, that’s not good. I hate when those come along. We know what we have to do in order to get back to normality, but, for some reason, we’re stuck in the mud and cannot reach where we need to be.

While they’re a real pain in the backside to get out of, the good thing is that we can (and do) get out of them. We just need to do a few things to boost ourselves mentally and physically. Everyone has a different way of viewing the world and doing things, so there’s no fixed way that everyone should heed. Here are a few that you could try to see if they work, though:

Do Something Your Worried About Every Single Day

It’s a paraphrased quote that’s often attributed to Eleanor Roosevelt. It’s the idea that you’ll grow as a person and a personality if you constantly face something that you don’t feel you can. Now, everyone should probably do this, whether they’re in good spirits or not. It can make us improve so much, so it’s a great little piece of advice. For someone in a tricky situation, though? It would do them a world of good. The idea is to become more accomplished and much more mentally sound than they were before. Improving on one’s self? There aren’t many finer ways of getting out of a slump. 

Exercise More Often

When you exercise, you have way more of a bounce in your step. You also gain a mental boost as the good chemicals in your body start flowing at a fast rate. It can get a lot of people temporarily out of depression and immense states of anxiety. The prospect of exercising always seems daunting beforehand, but you always feel so much better afterwards. With that post-workout attitude, you might feel as though you can conquer anything.

Get A Car And Start Driving

It sounds a little odd, but having a car is a lot different from being a pedestrian. You have the freedom to go out and view the world. You have that confidence in yourself to go wherever you want. You feel more mature and capable. These all make you feel a lot better about yourself. Simply hopping online, and looking at places like Stephen James, AutoTrader, and similar sites might initially shift a large burden. 

Stay Hydrated

This is a huge one, and it’s quite frustrating to hear if you’re not in the mood. But a lack of fluids in our system genuinely makes a massive difference to our mentality and our thinking patterns. We’re made up of the stuff, so we need to have it in us at all times. 

Seven Changes To Your Coffee Habit To Be More Sustainable

Coffee is a very popular drink, but one with a high environmental and ethical impact. How your coffee is grown, the carbon footprint of flying it to you and the waste generated by coffee pods and takeaway cups all cause a problem. With these small changes to your caffeine habit, you can make your coffee drinking more sustainable. 

Seven Changes To Your Coffee Habit To Be More Sustainable

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  1. Don’t use takeaway cups. One of the biggest problems with coffee is the volume of non-recycled waste that is produced by takeaway coffee. Paper cups, cardboard sleeves, plastic lids and plastic straws often end up in landfills, even when they can be recycled. Instead of using these, take your own reusable cup. You can even buy ones that collapse flat to take up less room in your bag. Buy a fun cup and get in the habit of carrying it with you.  
  2. At home, don’t use single serve coffee pods. These pods are incredibly popular, but most can’t be recycled. Even the ones that can be usually aren’t, as they usually need to be sent back to the supplier and can’t just be put out with the rest of your recycling. Instead of using pods, treat yourself to beautiful fresh coffee, like Third Wave Coffee, and make a habit of drinking fantastic coffee at home.  
  3. Swap single use filters for reusable ones. Paper filters are often bleached with chlorine, so as well as creating more waste, they’ll also leak chemicals when they reach landfills. Instead, use a reusable filter, like a metal one. Less waste, and your coffee will taste better. 
  4. Treat yourself to a manually brewed coffee. Auto-drip coffee machines are cheap for a reason. They use a lot of plastic, and break often, meaning all that plastic gets thrown away. A manual option makes your coffee more of a routine, and is kinder on the environment. 
  5. Read the packaging carefully. Look for information on whether you can recycle the packaging. Check for symbols to confirm the coffee is organic or fair trade. Do some research into your preferred coffee brands to make sure they’re paying growers fairly, and doing what they can to reduce their carbon footprint.   
  6. Don’t waste leftover coffee grounds. You can add coffee grounds to your compost heap or straight onto your plants. The nitrogen in the coffee grounds acts as a great fertilizer for your plants. If you add the grounds around the flower beds, the nitrogen also acts as a natural bug repellent, keeping ants and other creatures away from your plants. The smell of coffee can also work well to discourage neighbourhood cats from using your garden as a litter box. 
  7. Don’t use a coffee pot with a warming plate. The plate is left on for long periods, which uses up a lot of energy, wasting electricity. Consistently warming your coffee also over-brews it and can end up burning it, making it taste worse too. For better tasting coffee that doesn’t waste energy, buy a thermal coffee pot instead to keep your coffee warm for longer. 

Four Easy Ways To Cut Down Your Spending

Sometimes when you look at your bank account the only thing you can really feel is a sinking sense of despair. It’s hard to know where all your money somehow vanishes to over the course of the month – but it doesn’t have to be hard when you start trying to save a little more cash. Here are some tips on how you can make your bank account look a little more cheerful by cutting back on your spending.

Go Cash Only

If you have a habit of using your credit card a lot without thinking about it, go cash only. It’s easy to allow small card purchases to add up over time – a coffee here, a shirt there – and you may be spending a lot more than you realise you are. If you get out a certain amount of cash every day, you will be more aware of what you’re spending and it will be a lot easier to stick to your budget.

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Start Meal Planning

Everyone’s done it: there’s no food in the house so you go out to dinner or you order a takeaway. The only problem is that they are a lot more expensive than what you could make at home, and also often a lot less healthy. At the start of the week, make sure that you begin to plan out your meals so that you know what you’re eating on what day. This will help you when it comes to buying groceries, and you also won’t have to wrestle with trying to decide what to cook for dinner when you get home from work.


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Invest In A New Car

It’s a great idea to invest in a new car. If you have a large car that uses a lot of fuel, consider how much you really need that – not only is it hugely expensive to run, but it isn’t great for the environment. Although investing in a new car might seem like a big expense, in the long run it will definitely be worth it. You could also think about getting a used car instead of a new car from somewhere like https://www.hiltoncarsupermarket.co.uk/locations/london – not only do they offer warranties which individual private sellers won’t, but you’ll also notice that your insurance costs will be lower and as the car will be worth less, you may even be able to pay in cash.

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Start To Use Your Local Library

Finally, make sure that you start to use your local library. Not only is it free to borrow books so you don’t have to spend a lot of money buying them, but there will be a lot more services there than you realised. There may be storytime sessions for your toddlers, reading challenges for your older kids over the summer, computer sessions for older people that you could encourage your parents or grandparents to attend – and you will also be able to borrow CDs, audiobooks and e-books, as well as making use of newspaper and magazine subscriptions that your library has. 

 

It doesn’t have to be hard to save money – these tips will add to your life in more ways than your bank account!

How to Add a Touch of Luxury to Your Home

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With house prices on the rise and wages seemingly stagnating, more people than ever are choosing to renovate and extend their current properties, rather than moving elsewhere. There’s scope to add value to your home when making big changes and a lot of this potential lies in the quality of the finish, so with that in mind, we thought we’d talk to you about 5 ways to add a luxury feel to your home:

Bathrooms

Anyone can go and buy a budget bathroom from a massive store and give their washroom a nicer feel, but the luxury possibilities of a bathroom are one of the biggest draws for a buyer. Lots of people will consider buying a house with terrible decor everywhere else, as long as the bathroom has amazing fittings. Insignia Steam Showers are one example of high-end fixtures that will really add value to your home.

Curtains

Cheap window coverings might do for a while, but thick, luxurious drapes will make your home feel a million bucks. Opt for soft colours like light grey or mink, which are neutral but elegant and this will give every room the feel of a high-class hotel room.

Ornaments NOT Clutter

While we aren’t suggesting minimalism for your home (it’s not hugely practical for families, is it?), decluttering your rooms and then dressing them with carefully chosen ornaments and other dressings will help to give your house a “put together” feel, rather than making people feel like they’ve walked into a jumble sale!

Kitchen

A kitchen is another huge expense, but you don’t have to rip it out and start again to give your kitchen an update. My gorgeous friend Jen from Love Chic Living, and person I turn to for all of my interiors inspiration, actually painted her kitchen units and replaced her tiles and you wouldn’t believe that it’s even the same kitchen. Read her post to see the completed makeover.

Plants

Plants…well cared for plants, make a room look great. However, if you’re the sort of person who could kill the hardiest cactus from 100 paces, why not opt for some fake foliage? There are some incredibly real-looking fake plants out there these days, and apart from a little flick over with a duster every now and then, you don’t need to do a thing to care for them.

Saving for the Summer

Saving for the SummerWith the summer holidays fast approaching, many of us have started to think about our finances over the coming weeks. Keeping kids entertained for six weeks isn’t cheap, and the cost of summer can seem truly daunting. With that in mind, I thought I’d look at some things you can do to top up the funds, ahead of this expensive time of year.

Get a Part Time Job

Childcare can be super expensive, but if you’re not currently working and need some extra cash, there are lots of part time jobs out there which can fit around family time. From courier work to bank nursing at your local hospital, out of hours options are there, providing you’ve got someone to watch the kids in the evening.

Get a Loan

While I wouldn’t usually suggest getting yourself into debt, as long as you’re sensible with making your repayments on time a loan can be a useful buffer at this time of year, and getting a loan can even help to repair bad credit if you ensure you stick to your repayment plan. There are also loans for bad credit if you don’t have the best credit rating.

Cancel Any Services You Don’t Use

This is a great time of year to take a look at your finances and cut back on anything that you really don’t need. I currently pay £10 a month for a gym membership, which I barely use, and although a tenner doesn’t seem like much, it’s enough to make your eyes water when you think about it as £120 a year!

Streamline Your Shop

If you’re like us and end up wasting food because of less-than-savvy shopping, this is a good place to start when it comes to money saving. Sit down and look at HOW you shop (weekly, monthly, day-by-day) and work out where most of the waste is coming from. You could also think about WHERE you shop and whether there’s a cheaper option out there, like Lidl or Aldi. Meal planning is also often a good way to help you to be more frugal. 

Get Your Walking Shoes On

Many families are guilty of jumping in the car for short journeys, which would actually be more than walkable. Unless you’re in a massive hurry, try to make any journey of a mile or less on foot – or even better, get the bikes out and get the whole family cycling. As well as cutting your fuel costs, it will get you all moving and will also reduce your carbon footprint – everyone’s a winner! 

Do you have any fab money saving or money making tips for my readers? Do leave me a comment below, I’d love to hear from you.