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

Buy a charity Christmas card, change a life

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Alzheimer’s, cancer, celebrity, charity, Charlie Waller Memorial Trust., children, CLIC Sargent, deaf, dementia, depression, dream come true, gorgeous, help, holiday, life, London, London themed cards, Make a Wish, message, movie, National Deaf Children’s Society, organisation, polar bears, postbox, research, robin, robins, Santa, sheep in the snow, snowmen, society, suicide, support, understanding, young people

Whilst a text or email is enough for many, sending a Christmas card is still the traditional way to send love to those you care for.

Whilst you can go into any supermarket or chain store and pick up a great offer on a box of twenty cards, why not show your nearest and dearest you care as well as giving back to a charity close to your heart?

There are plenty of worthy organisations out there, so we have done some research and come up with what we think are the the pick of the bunch.

CLIC Sargent is the UK’s leading cancer charity for children, young people and their families. They provide support to help people cope with cancer and get the most out of life. From diagnosis onwards, this great charity helps deal with the impact of cancer and its treatment, life after treatment and, in some cases, bereavement. From sheep in the snow to contemporary candles, they have a gorgeous selection of cards to choose from.

‘Hounds for Heroes’ is a brilliant organisation that not many people know about. The team provide specially trained assistance dogs to disabled and injured personnel from the UK Armed Forces and the Emergency Services. They are based in Hampshire, where the puppies are put through their training before they go onto offer the companionship and love that can be missing when someone becomes disabled.

The National Deaf Children’s Society is dedicated to creating a world without barriers for deaf children and young people. This charity believes every deaf child should be valued and included in society and have the same opportunities as everyone else. Their cute cards feature Santa and polar bears, robins and snowmen and as you pop your cards in the postbox you know the profits are going to a great, life changing cause.

You cannot help but notice more and more media coverage about Alzheimer’s and you might even know someone who is suffering from it. The Alzheimer’s Society is a key organisation that campaigns for better quality of life for those with dementia and greater understanding of the condition. They are involved with research as well as support and are really getting the message out there so people know where they can get help.

A less well known, but still very worthy cause, is the Charlie Waller Memorial Trust. The Trust raises awareness of the symptoms of depression and believes early identification and improved treatment can help reduce suicide numbers and ensure sufferers receive the care they needed and deserve. We love their London themed cards and found their website, pretty impactful.

Last but no means least, is Make a Wish. We have a soft spot of this charity, which makes magical wishes come true for children and young people with life-threatening illnesses. From walking with dinosaurs, going on a brilliant holiday, meeting a celebrity or making a movie, this is where lives are changed and memories are made. Their robin on a pot card is as traditional as it gets, but it is Santa dressing the Christmas tree has stolen our hearts.

Remember, if can change in a moment so support a charity and change a life this Christmas.

Team Pure-Beauty