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Tag Archives: pocket

Quit smoking for good in 2020

29 Wed Jan 2020

Posted by Stark in Health and Happiness

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Like so many vices, people know that smoking is bad for them, but giving up can be hard.

There is no getting away from the addictive nature of cigarettes, but stopping is the best you can do for your health, and it won’t hurt your pocket either.

Let’s have a look at how you can get away from the smoke, nicotine, smell and toxicity of one of the worst habits in the world.

Make a list
Having all the reasons you are quitting, written down in black and white can be a great way to kick things off. Whether it is to smarten up your teeth, keep cancer at bay, save money, smell better or just be healthier, write down your reasons. Next, stick them on the fridge door, kitchen cupboards, bathroom mirror and add to your phone so you are reminded all the time – and when you are feeling like cracking and lighting up, those words will help see you through.

Have a clear out
The dirt and smell of smoking is pretty gross, so having a clean-up can help get you in the right headspace to quit for good. Get rid of all the ashtrays, put lighters and matches in the bin, chuck out any old packs, find stubs in the garden and bin them. Then, open the windows in the house, and your car, and have a really good clear up. Wash your bedding, put throws and cushions through the machine, and a valet is good if you smoked when you drove.

Talk about it
Family and friends will be used to seeing you smoke, so let them know you are stopping. Some might join you, but at least if they know you are quitting then they shouldn’t offer you one when they see you, you don’t need temptation to be placed in your path.

Think about what you eat
A lot of people find that they put on weight when they quit smoking, but it doesn’t have to be that way. Eating a balanced diet and not adding in lots of sugary snacks and takeaways is the key to maintaining your weight. Drink plenty of water, stock up on fruit and veggies, and don’t up your alcohol intake as a substitute for smoking.

Get fit
Just as eating well, you might also want to consider doing some more exercise, or taking it up for the first time again. Maybe join a gym, go to a new dance class with a friend or join a local netball team who are looking for new players. Yes, you might find that smoking has had an impact on your fitness levels, but keep at it and in time you’ll get fitter, be able to keep up with others, but more importantly you will become a better, healthier you.

Keep your cash
There is no escaping the fact that cigarettes are expensive and a total waste of money. Whether you were on three a day or thirty a day, get a jar or money box and put the money you were spending on your habit, in it. At the end of the year, treat yourself to something you really want – we think you will be surprised at just how much you’ll save.

Ask the professionals
Before you do give up, maybe speak to your GP or pharmacist and make sure you have the support you need. Yes, you can go cold turkey and place your bets on willpower, but with gum, lozenges and groups out there to help you quit, you don’t have to go it alone.

Good luck and well done for taking the first step towards being a better you.

Team Pure Beauty

Get on top of your finances in 2018

28 Wed Feb 2018

Posted by Stark in Life and Fashion

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add up, auctions, bargains, bills, BOGOF, budget, buffer, cake, car boot sales, car insurance, car payments, charity shops, cheaper, Citizens Advice Bureau, deals, eat, end of the day deals, entertainment, environment, finances, fixed costs, food shopping, freeze, fresh, heating, holidays, housing, incomes, insurance, list, loaf of bread, loyalty cards, money, month, mortgage, packed lunches, pets, phone bill, pocket, Rainy day fund, rent, retro, save money, savings, school uniform, shopping, snacks, spend, spiralling out of control, standing orders, statement, stress, utiliy bills, value, vouchers on leaflets, waste, water, work, worries

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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.

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