Take the financial squeeze away from Christmas

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The ads are on TV, the lights are up in town, and those shopping lists are getting longer by the day. While Christmas is meant to be a time of celebration and joy, the reality is that all those presents, splashing out on a new dress for the Christmas party and having to buy another Secret Santa, means that our bank balances, and stress levels, can go into the red.

We have had a look at some easy ways to boost your cash flow at a time when you most need it, and take off some of the pressure that can take the fun out of Christmas.

Sell what you don’t need
Have a look in your loft and cupboards and we bet there are loads of things gathering dust that you don’t need, but that someone else would snap up! You don’t have to head out to a cold, rainy car boot sale to flog your stuff these days as there are lots of selling sites out there, as well as great local groups on Facebook that work really well. Whether it’s a mobile phone that you no longer use, a keyboard you never play, or a pair of heels that are just too high, the internet means you have a global marketplace to sell what you don’t need, but other people do!

Make the most of your skills
The Sunday Times bestseller, The Multi-Hyphen Method, looks at how you don’t need to have one main job anymore. From writing and photography, to social media management and dog sitting, there are lots of side hustles out there you can get involved with to make some extra money. Make sure you get things sorted out first, like your tax and insurance, and then rather than watching TV or playing on the X-Box, you could use that time to clear your overdraft and get together some much-needed extra cash.

Make a switch
Simply switching bank accounts you could make yourself a tidy pile of cash – check The Money Saving Expert to find out how. You can also look at switching your utilities if you want to save more money and make a tidy pile of cash. It might be a little bit of a hassle, but there are some good deals out there if you do your research.

Secret Santa
If you are really smart, don’t buy everyone a present this Christmas, instead think about doing a Secret Santa. Whether it is for extended family, work colleagues or flatmates, set a budget, pick something you know your chosen recipient will love and you won’t only save money, you’ll have less things to sell to on eBay next Christmas too!

Go for deals
When it does coming to shopping, look out for the deals, there are many to be had. From discounts, ‘buy one get one free’ offers, samples and three for two deals, you will find a lot of ways to make your cash go further.

The great thing about all of these ideas, is that while they can help you around Christmas, if you put them into play all the time, your bank account should be healthy 12 months of the year.

Team Pure Beauty

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.

Be a smarter food shopper

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With prices going up all the time and appetites getting bigger, a trip to the supermarket can be an expensive experience.

We have had a look at how you can be a smarter shopper when it comes to buying food and how to ensure it doesn’t go to waste, along with your hard-earned cash.

Make a list
Sounds so simple but how many times have you gone to the shops for a pint of milk and come home with five bags full of food you didn’t know you needed? Special offers and BOGF deals can be tempting but if you don’t actually need what is on the shelves, you aren’t saving anything at all. Make a list either on a piece of paper or your phone, and stick to it.

Take a bag
Yes, we know it is only a few pennies but taking your own bags when you go shopping doesn’t only help your purse but it also protects the environment.

Shop online
With many supermarkets offering free delivery (over a certain spend), shopping online can work out cheaper as you also save on petrol and car parking as well as your time. Do a comparison of who offers what, when the best delivery slots are for you and where there are offers and savings to be had and you might find ordering from your comfort of you own home makes sense on many levels.

Buy in bulk
Whether you are in store or online, buying in bulk is the way to go if you are looking at making savings. Tins, pasta, rice, ketchup, water, cereal and washing powder are all everyday staples and ones that can come with a hefty price tag at the corner shop. Do some research, look for deals and where you can, buy in bulk once a month and not only will soon see savings but you’ll never run out of the basics.

Get your rewards
Most major outlets from supermarkets to chemists and coffee shops offer reward schemes, so sign up for them. As well as getting great deals and offers, you can also get extra discounts, free products and vouchers, so don’t miss out.

Use your freezer
Tonnes of food goes to waste each year, so if you are aren’t going to eat something before the use by date, put in the freezer rather than leaving it until it needs to go in the bin. You can also pick up bargain items at the end of the day and freeze them for later. Batch cook soups, casseroles, stews and bolognaise then freeze them and save yourself time and money and will also have a hot meal ready to go.

Eat before you shop
Sounds daft but if you go shopping when you are hungry, you are more likely to spend more money and eat as you shop. Having lunch before you go out will save you pounds on your bill, and your waistline.

Look for vouchers
We have all been stuck in front of someone at the checkout who has a purse full of vouchers and while it might hold you up, these beauties do save you money. Newspapers, magazines, flyers and websites all carry money off vouchers, so keep them and use them the next time you are shopping to save some pennies.

Got a money-saving idea? Why not share the discount love with us?

Team Pure-Beauty