Spring clean your finances

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You think nothing of spring cleaning your home, garden or garage, but how often do you take stock of your finances?

Make April the month to clear away those cash cobwebs and let the pennies take care of the pounds.

Sort out the admin
It is well worth spending an hour or two getting your paperwork together so you can see what your financial position is at this current moment. If you don’t know where you are, it’s hard to get a plan in place for the future. Sit down with a cuppa and your bank statements, insurance policies, energy costs, mobile phone and internet bills and anything else you pay out on. Make a list of how much things are costing each month and this will give you a good starting point.

Chuck out what you don’t use
This might sound silly but check your bank statement carefully as it could be you are paying for gym memberships, online services and magazine subscriptions you no longer use and if that’s the case, look at stopping these so money can be better spent elsewhere.

Swap things around
We know that changing suppliers can be a pain but it is worth shopping around and seeing where savings can be made.

Look for balance transfers on credit cards
If you’re paying full interest rates on your credit cards, see if you can move to another provider so you can clear your balance quickly and for less.

Make the most of your savings
If you do have savings accounts or an ISA, pop into your bank or building society and make sure you are getting the best return on your investments. Also, make sure you use your IAS allowance because you either “use it or lose it”.

Ask for a pay rise
If you work hard and give 100% to your employer, at your next review why not ask for a pay rise? Write a list of all your achievements over the past year and when you sit down with your manager highlight these and your ambition to move up the career ladder. Put your best points forward and you never know, you might get a rise and a promotion! If you don’t ask, you don’t get!

PPI
You have seen the adverts but if you think you have something to claim when it comes to PPI, or are just interested, the window closes on 29 August 2019. Try to steer away from the claims guys and instead look at www.which.co.uk to find out how to do it yourself.

Collect points
Using loyalty schemes might feel uncomfortable for some, but they can really make a difference. Points can equal cash, vouchers and free coffee, so read the small print to make sure you aren’t signing your life away, but if it’s going to help, take advantage of what’s on offer.

Recycle
If you want to make some cash, as you spring clean the house look at what you can sell on local sites or at carboot sales and give away anything else to charity to keep the clutter at bay.

Once you have got your affairs in order, create a budget, including saving for a rainy day, and stick to it. You will find that if you are in control of your cash, it will not longer control you and you won’t feel sick each time a bill lands in your inbox.

Team Pure Beauty

Small eco changes that pack a punch

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While it might seem that the world around is going, well, a little crazy, World Eco Day on 22 April highlighted once again that the environment is also fragile and we need to look after it if we want to keep it.

Every single one of us can make a difference to our planet each day and we have some ideas of how you can make small changes that could help make this mad world a better place.

Let’s start at the beginning and before you get in the car, ask yourself if you can walk or take public transport instead to help cut down emissions.

Dentists tell us to change our toothbrush every three months. While this is good for out health, with around 65 million people in the UK alone, a massive 260 million plastic toothbrushes will be thrown in the bin – that is a LOT of rubbish. To make a change why not try a bamboo toothbrush that will decompose naturally once you are done with it? Oh, and when you clean your teeth, don’t leave the tap running because you will use a lot of water in two minutes if you do.

People are getting better at this, but when you go shopping take a tote or use your ‘bag for life’ rather than keep paying pennies for plastic ones you then shove under the sink when you get home.

Cling film really isn’t needed so why not swap it for reusable containers that will keep your food fresh and the environment happy? There are some fab, specifically designed products out there that look good, save you money and can be used over and over again, unlike that pesky film that gets all tangled up and doesn’t work anyway.

Make your life as paperless as possible. Read the newspaper online, get bank statements by email, pay by card rather than by notes and when you do have paper, yup, recycle it.

Plant a tree, maybe two, and some other green stuff and help make the world a better place in moments. Planting trees, bushes and any other plant life not only makes your home and garden look lush but they will absorb some of the CO2 from the air, making this a win, win change for everyone.

You can also make a difference by growing your own fruit and veg. However small an outside space you have, it is easy to grow tomatoes, herbs and peppers and for many things a sunny window sill and some pots and peat are all you need to go all good life on your family and friends.

Take-away coffee is very much a 21st century ‘thing’ but the take-away cups soon build up in the landfill, so take your own. From Costa and Starbucks to M&S and John Lewis, there are a wide range of funky cups out there for sale and many coffee outlets will take money off your coffee if you are using your own mug.

This is totally obvious, but recycle, recycle, recylce. Plastic, paper, cardboard, foil and clothes can all be reused or recycled so don’t put them in the bin and leave the mess for someone else to clear up. In a similar vein, take a look not only at what you are buying but also the packing things come in. Do you need your bananas to come in a plastic bag or your grapes to be held in a plastic pot? Fruit and vegetables are an easy way to start this so buy them loose and take them home in a tote or a basket.

Got a recycling tip to share, get in touch and let us know.

Team Pure Beauty