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

Could your garage be your home office?

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With train ticket prices on the rise and meetings eating into the day, for many the idea of working from home is very appealing. While spare rooms and lofts are often the first spaces to be converted for this purpose, garages can be full of potential and can work really well.

You might not see it right now, but with a little creative consideration and TLC, we think you will be able to transform a sad shell into a chic workspace that will put an end to Sunday night blues and bumper to bumper traffic on Monday morning.

Clean it up
The first step towards creating a usable working environment is making the space clean and clear. Sort out what is rubbish, find a home for tools, paddling pools and hoses and then get to work cleaning the floors and walls, tackle the cobwebs and repair any cracks.

Make it light
Garages tends to be dark by nature, but you can transform it with a lick of fresh white paint. If you have windows in your garage this will give you a natural burst of light so give them a clean and add curtains or blinds to create a welcoming environment. If there is no natural light, invest in a decent desk lamp, look at LED lights and create a bright space that you want to work in.

Get the temperature right
It is unlikely you will have central heating in your garage so fans or air conditioning units will be needed in the summer and radiator-style oil heaters work in the winter. Always be safety conscious and ensure they are working correctly and turn them off when you aren’t in the working space.

Power
If you are going to work from your garage you need to ensure it has the correct power needs. You are making an investment in your home, so get an electrician to check things are safe and in good working order.

If you are going to be running computers, printers, phone and tablet chargers as well as heating solutions, it is vital to ensure you have enough sockets. Do not overload extension cables as this could end in disaster.

The basics
Source a proper desk, a decent chair, filing cabinets and book shelves but be sure to measure up before buying to prevent layout issues. If you don’t want to spend a fortune, eBay and Gumtree are great sources for second hand items and you can also try your local recycle centre.

Get the look
As well as being warm and safe, you want your office to be comfortable and inviting. Coordinate your files with your coffee cups and pens for that pulled together looking. Adding photos to the walls and having canvas paintings can really bring your office alive and add a contemporary edge. Plants make the space green and a diffuser means you can keep your mind alert thanks to essential oils of mint, lemongrass or lavender when you want to relax.

Clean up
It might be tempting to leave mugs on the desk and papers in the bin, but if you want to keep things professional and not slip into bad habits, tidy up at the end of each day and lock the door behind you.

Good luck and if you have already made the change, drop us a line and let us see the results.

Team Pure-Beauty

Get extra cash, in a flash

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Ever get to the end of the month and find yourself in the red?

Fed up of never being able to go on holiday, despite working hard?

Keep buying scratch cards in the hope of becoming winning big?

All too many people find that there simply isn’t enough cash to go round and with the General Election and Brexit making things even more uncertain, the money pot seems to only get smaller.

Fear not, while we aren’t saying money grows on trees, if you have a little spare time, vision and dedication you can add to your bank account, without changing the day job.

Be a blogger
Blogging is easy to set up and a great way to generate a passive income. Decide on a name, choose a platform (Blogger and WordPress are popular), buy a domain name and pay for hosting and you are on a way. You then need to create content that people want to read – this is the key to success. Maybe it is health, fitness, books, travel or parenting, but make sure you have an audience and when you write posts, make them relevant and interesting so people want to come back. Once you’ve gained a following, you can make money from:

• Being an affiliate where you are pushing other people’s products or services on your site. Make sure these products or services are relevant to your blog, such as baby food, shoes or make-up and when a visitor clicks that link on your site, you’ll earn commission.
• Selling advertising is great once you have traffic running through your site and as your visitor numbers increase, so does the change for ad space on your blog.
• Sponsorship could be a one-off feature or a logo on your site and as the stat’s go up, so do the deals.
• You can also review products on your site, but be sure to disclose and brand relationships and be true to yourself, your readers and the powers that be (Google).

Selling stuff
We bet if you spring clean your house you will find a lot of stuff you just don’t need. Unworn clothes, flippers, a smoothie maker, golf clubs are all things you might not need but someone else might want.
Amazon, eBay, Gumtree are all perfect online places to sell things that are gathering dust but could easily turn into enough money for a weekend away or a much-needed new TV. You can also go to car boot sales where you can flog your stuff make a killing.

Rent a Room
OK, someone else in your house might not seem ideal but if it means and extra £500 a month in the kitty, maybe it is worth a go? Make sure you have a decent spare room, ask family and friends if they know anyone looking for digs, and of course, make sure you do interviews, get references and a deposit before handing over any keys.

Stocks and Shares
Investing in stocks and shares has been a popular way to earn a passive income for years, and thanks to the internet, today it is easier to do than ever. Go online and do some research, maybe speak to an expert, start small, see how the markets go and you never know, this time next year you could be a millionaire.

Online Surveys
OK, it isn’t massive money, but for a few minutes of form filling you can make a couple of quid answering online surveys, and if you do enough the total soon adds up.

Get on Your Bike
Got a car, bicycle or motorbike? What about a Smartphone? This is pretty much all you need to make some extra money by delivering food, or people, in your spare time.

Get Competitive
Sounds silly but entering competitions can make you rich. There are no guarantees, but there is a growing community of ‘compers’ in the UK who are making five-figure sums by entering all sorts of competitions, all of the time.

Be an Extra
If you fancy being on the big screen, or small one for that matter, agencies are always looking for extras for TV shows and films. You need to be flexible and able to get from A to Z under your own steam, but it fun, easy and pays alright. And, you never know who you might meet on set.

Get Walking
Fancy some fresh air and exercise, well the good news is that walking other people’s dogs is big business. If you have free time during the day, when others are out at work and worried about their pets at home, and you like dogs and are professional, there’s a ready-made market waiting for you.

Got a money-making idea we have missed, let us know, we are all ears.

Team Pure Beauty