Get on top of your finances in 2018

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Do you know how much you can afford to spend each month, or do you keep using you cards and then lie awake at night working out how you’ll pay for everything?

With Brexit just over a year away, businesses concerned about the future and the world in a volatile place, money worries are on the rise, as are prices, and debt seems to be a bigger issue for many people.

While rent and council tax take up a big chunk of incomes, those large costs often aren’t the problem, it’s the smaller bills that add up and the unexpected expenses that can cause stress.

We have had a look at how to keep on top of things so you don’t feel like you’re going under every time you look at your statement.

Have a budget
Yes, it sounds simple but sometimes going back to basics can be a good idea. Making a list of the money coming in and out each month lets you see exactly what is happening with your finances, rather than burying your head in the sand. Firstly look at income, then list all of your fixed costs and should including your housing, utility bills, standing orders, car payments, insurance and phone bills. Then look at your fluctuating costs such as food shopping, entertainment, holidays, pets and anything else you have to cover. With all of this in hand you can work out how much is left, or not, and where changes could potentially be made.

Shop for the bargains
We all like nice things, but there are many savings to be had out there, and deals can really help keep you buoyant. Buying presents in the sales, stocking up on school uniform when it’s half price and shopping around for cheaper car insurance might seem like an extra job to add to your list, but the pounds soon add up. It is also worth looking at the money off vouchers on leaflets, loyalty cards and incentives as these can make a real difference to your pocket.

Meal planning
Another way of saving money is by actually only buying the food you need and not letting fresh items go to waste. Before you go shopping, work out what you are going to eat in the week, include packed lunches and snacks, and only buy those items. Yes, BOGOF might seem like a deal you can’t miss out on, but when that extra cake or loaf of bread goes mouldy, you haven’t saved anything at all.If there are items deals going cheap at the end of the day, buy them but only if you are going to eat or freeze them straight away.

Turn off your lights
It is amazing how many people leave lights on, have the heating burning at full blast when they are out and let the water run as they brush their teeth. All of these things cost money, so turn things down and switch them off if you want to save money, and the environment.

Second hand options
Vintage, retro, upcycle are all on trend and for a good reason, they offer value. You don’t have to buy everything new and if you go to charity shops, car boot sales and auctions, you will amazed at the bargains there are to be had.

Rainy day fund
We all like to think the unexpected won’t happy to us, but it does. If you can, try to save a little money each month so that if the car does break down or the boiler goes wrong, you have a buffer and don’t hit the red.

Keep on track
Once you have your finances in place, don’t them slip. Making lists, having a database and checking your online banking on a weekly basis can help you keep on track. If you do feel things are spiralling out of control, talk things over with a trusted friend or speak to Citizens Advice Bureau but don’t let the bills pile up and the stress get on top of you.

Laundry hacks you’ll love

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We are always looking for ways to do chores better, faster, smarter and cheaper and when it comes to laundry, every little trick helps.

We have some savvy shortcuts to share that we hope will keep nasty smells away and save you time, money and effort.

Colour coded baskets
Yes, we know this sounds a bit OTT but it works. Buy three laundry baskets and colour-code them as whites, colours and darks. On wash-day, simply empty one basket into the machine and press go leaving you free of stinky sorting.

Stain free
Go easy on chemical stain removers, and trying rubbing a little chalk into stains before you put your clothes in the wash and everything from lipstick, grass and bacon will be gone.

Bright whites
To get your whites bright once again, slice several lemons, put them into a pot of water and bring to the boil. Turn the heat off, add your clothes and let them soak for an hour before washing as usual. To get glowing results, let them dry outside in the sunlight.

Make it quick
If your laundry is pretty much stain free, go for a quick wash setting which will clean and refresh but won’t take forever or add to your utility bills.

Inside out jeans
Washing and drying is tough on denim and washing can see colour and shape being lost. To keep your jeans looking and feeling new, turn them inside out before they go into the machine and leave them like this as they dry.

Towel fresh
We all love soft, fluffy towels but keeping them in pristine condition can be tricky. Forget
fabric conditioner and instead add a cup of white vinegar to your wash load and as well as bringing towels back to life and keeping them soft and absorbent, the vinegar will also help keep musty smells away.

Go for a spin
If you want to aid the drying time of your washing, go for an extra spin during the washing cycle. Adding just ten minutes to a wash will actually cut down drying time later.

Keep your machine clean
From time to time it is worth cleaning your washing machine if you want to keep it in good working order. To do this, simply add half a cup of bicarbonate of soda to the machine drawer with half a cup of white vinegar and put it on a quick, low temperature wash.

Tumble faster
If you want to speed up drying time, and bring down costs, add a couple of clean tennis balls, dry towel or scrunched up balls of foil in with your clothes and the job will be done in flash.

Bed bundles
Once your bedding has been laundered, rather than simply stuffing back in the cupboard, why not make life easy and pack it into ready to use bundles? Put a clean folded fitted sheet, duvet cover and pillowcase in a pile, then carefully place this into one of the pillowcases and next time you change your bed, everything will be there ready and waiting for you. Add a little lavender and it will smell good too.

Got a tip that works for you? Get in touch, we would love to know what it is.

Team Pure Beauty