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

The university checklist

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a student flat, antiseptic cream, baking tray, Bank account details, bathroom, bedroom, Blue Tac, boots, bowls, bread, bubble bath, card, cereal, charger, checklist, cheque book, clean, clothes, cloths, coat hangers, Congratulations, creature comforts, cutlery set, documents, Driving license, duvet covers, eat out, en-suite, ethernet cable, exam, fresh, frying pan, glasses, halls, headphones, home, ink, insurance, jam, ketchup, kitchen, kitchen roll, laptop, letter, milk, mineral water, mirror, mixing bowl, mobile phone, mugs, National Insurance card, NHS number, pack, Paracetamol, parents, partying, pasta, pillow cases, plasters, plates, printer, sanctuary, scissors, shampoo, shared house, sharp knife, sheets, shower gel, student loan, stuff, surge protection, Tea towels

Well, you have only gone and done it and got a place at university.

Congratulations.

Now the partying is over, it’s time to get down to business, book your accommodation, buy those books and pack your stuff.

Whether you a moving into halls, a student flat or shared house, you will want to take your creature comforts as well as essentials with you, so we have put together a checklist to get you started.

Documents
Before you leave home, have these documents with you, as well as getting copies and emailing it to yourself and your parents:
University and course acceptance letter plus exam certificates
Accommodation contract and insurance documents
Student loan documents
Bank account details, card and cheque book
Driving license and passport as well as up NHS number and National Insurance card

Gadgets
You will be so used to having everything under one roof, you might forget that you won’t be just a gadget away when you aren’t at home. This might seem like a big list, but it is worth having:
Laptop plus charger, USB stick and an ethernet cable
Mobile phone and charger
Headphones
Power extension cable with surge protection
Printer with ink

Kitchen
Yes, you could eat out all the time, but it makes more sense to do cook for yourself and to do this you will need:
A frying pan or a wok and a sauce pan
A cutlery set, sharp knife, scissors and spare teaspoons
Two glasses, mugs, plates and bowls
A baking tray and mixing bowl
A water bottle – buying endless bottles of mineral water on campus soon adds up
Tea towels, cloths, kitchen roll, soap and washing up liquid
A box of basic groceries with cereal, bread, milk, jam, tea, coffee, pasta, ketchup and an emergency bottle of vodka to break the ice with your neighbours

Your bedroom
Your bedroom will be your sanctuary so make it as comfortable as you can and take:
Two sheets, two duvet covers and pillow cases as well as a decent duvet and pillows
Mattress protector – take our word for it on this one
Clothes and coat hangers
Photos of friends & family as well as posters and Blue Tac
A lamp and lampshade
A mirror
Contraception

Bathroom
We can’t promise you will get an en-suite at uni so be prepared to share a bathroom and take this little lot with you so you, and your surroundings, are clean and fresh.
Several towels
Medication and a basic first aid kit with plasters, paracetamol, antiseptic cream and wipes
Febreeze and washing powder
A toothbrush, toothpaste, shampoo, shop, shower gel, bubble bath and any other home comforts
Toilet roll

Of course, you won’t be far from a Tesco or Boots, so you can shop when you arrive but this little should help to get you started and can probably be paid for by the bank of mum and dad before you leave.

Good luck!

Team Pure-Beauty

Insomnia and what you can do about it

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alarm clock, alcohol, anxiety, black out blinds, caffeine, children, clean, comfortable, day, devices, ear plugs, essential oil, eye mask, GP, insomnia, irritable, lavender oil, life, lighting, long-term basis, meals, misery, mobile phone, paper, self-perpetuating, shift work, sleep, stress, thick curtains, tired, Tvs, warm drink, worries

Struggle to fall asleep night after night?

Wake up in the early hours and just can’t nod off again?

Simply don’t feel refreshed when you get up in the morning?

It could be that you are suffering from insomnia, which is thought to affect up to one in every three people in the UK at some point.

There are no official statistics to suggest how much sleep adults need because we are all different but the suggested average is between seven to nine hours. It can be detrimental to get caught up with numbers because the main thing is getting enough good quality sleep so that you don’t feel constantly tired throughout the day.

We all have the odd night of bad sleep, maybe when we are stressed, anxious or excited this doesn’t cause serious problems, but persistent insomnia can affect all aspects of your life, from your energy levels, appetite, mood and relationships.

Signs that you might have insomnia include:

• difficultly falling asleep
• waking up several times during the night
• lying awake for long periods at night
• waking up early in the early hours and not being able to go back to sleep
• not feel refreshed when you get up
• feeling constantly tired and irritable in the day and unable to concentrate

This can be caused by many factors, including stress and anxiety, an uncomfortable bed, a bedroom that’s too light, noisy, hot or cold. Lifestyle factors like shift work, jet lag, drinking alcohol or caffeine before going to bed can also play a part.

Mental and health physical conditions, as well as some medications, can also interfere with sleep on a long-term basis.

Whatever the cause, it can be frustrating but there are ways to deal with insomnia.

• Avoid alcohol, caffeine and large meals late in the evening.
• Just like with children, set a bedtime and stick to it and do the same with waking – even at the weekend.
• Relax before you go to bed and turn off all devices and TVs.
• Get an alarm clock rather than using your mobile phone to wake you up as having it on can distract you.
• Have a relaxing, warm bath before bed and add lavender oil to the water as this essential oil can aid sleep.
• Make sure your bedroom is comfortable, clean and the temperature is set correctly.
• Use thick curtains or black out blinds in your bedroom so that the least amount of sunlight is let in.
• Try an eye mask or ear plugs if you get woken often by noise.
• You might be tired but try not to sleep in the day.
• Write a list of worries, if you have any, so they are down on paper and not in your head. Look at areas in your life that are bothering you and getting you down and maybe find ways to deal with them.
• If you really cannot sleep, get up, have a warm drink in low lighting.
• We know we make it sound easy but try to relax and don’t get stressed about not sleeping as this becomes a self-perpetuating cycle of misery.

If things don’t settle down, go to see your GP who will try to help identify and treat any underlying health condition, such as anxiety, that may be causing your sleep problems and then look at other changes that can be made.

Sweet dreams.