Spring clean your finances

Tags

100%, admin, advantage, advert, April, balance transfers, bank, bank statements, bill, budget, building society, carboot sales, cash, cash flow, charity, claim, claims guys, clear, clutter, Collect points, credit cards, do it yourself, financial, free coffee, garage, garden, gym memberships, home, inbox, insurance policies, internet bills, investments, ISA, loyalty schemes, magazine subscriptions, manager, month, offer, online services, paperwork, pay rise, pennies, pounds, PPI, promotion, rainy day, recycle, savings, shopping, sites, small print, vouchers, work hard, www.which.co.uk

You think nothing of spring cleaning your home, garden or garage, but how often do you take stock of your finances?

Make April the month to clear away those cash cobwebs and let the pennies take care of the pounds.

Sort out the admin
It is well worth spending an hour or two getting your paperwork together so you can see what your financial position is at this current moment. If you don’t know where you are, it’s hard to get a plan in place for the future. Sit down with a cuppa and your bank statements, insurance policies, energy costs, mobile phone and internet bills and anything else you pay out on. Make a list of how much things are costing each month and this will give you a good starting point.

Chuck out what you don’t use
This might sound silly but check your bank statement carefully as it could be you are paying for gym memberships, online services and magazine subscriptions you no longer use and if that’s the case, look at stopping these so money can be better spent elsewhere.

Swap things around
We know that changing suppliers can be a pain but it is worth shopping around and seeing where savings can be made.

Look for balance transfers on credit cards
If you’re paying full interest rates on your credit cards, see if you can move to another provider so you can clear your balance quickly and for less.

Make the most of your savings
If you do have savings accounts or an ISA, pop into your bank or building society and make sure you are getting the best return on your investments. Also, make sure you use your IAS allowance because you either “use it or lose it”.

Ask for a pay rise
If you work hard and give 100% to your employer, at your next review why not ask for a pay rise? Write a list of all your achievements over the past year and when you sit down with your manager highlight these and your ambition to move up the career ladder. Put your best points forward and you never know, you might get a rise and a promotion! If you don’t ask, you don’t get!

PPI
You have seen the adverts but if you think you have something to claim when it comes to PPI, or are just interested, the window closes on 29 August 2019. Try to steer away from the claims guys and instead look at www.which.co.uk to find out how to do it yourself.

Collect points
Using loyalty schemes might feel uncomfortable for some, but they can really make a difference. Points can equal cash, vouchers and free coffee, so read the small print to make sure you aren’t signing your life away, but if it’s going to help, take advantage of what’s on offer.

Recycle
If you want to make some cash, as you spring clean the house look at what you can sell on local sites or at carboot sales and give away anything else to charity to keep the clutter at bay.

Once you have got your affairs in order, create a budget, including saving for a rainy day, and stick to it. You will find that if you are in control of your cash, it will not longer control you and you won’t feel sick each time a bill lands in your inbox.

Team Pure Beauty

Take the stress out of your work day

Tags

adrenaline, apps, books, Boss, break, breaks, breathing, Buddhify, busy, calls, career, clarity, clear your head, coffee shop, colleagues, Commutes, computer screens, deadlines, delegated, desk, downing tools, efficient, emails, energised, friends, gym membership, health, hobbies, holiday, increase your productivity levels, less productive, less stressed, long hours, lunch, meaningless jargon, meetings, mini break, more productive, morning, negative impact, outbreaks, park, post room, prioritise your workload, promotion, refreshed, relationships, Relax, revive, sandwiches, sea, sleep, smiling, stress, two weeks, walk, work, work life balance, write a list, yoga classes, Zumba

Let’s face it, even when you love your job, have a great boss and colleagues you get on well with, work can get stressful.

Commutes, long hours, computer screens and being contactable pretty much 24/7 thanks to mobile devices and the digital age, means work can take over your life if you aren’t careful.

What many of us don’t realise is that while a little adrenaline can keep us on our toes, ongoing stress can have a negative impact on our health, relationships, sleep and if you aren’t careful it can cause burn out.

We have looked at some easy ways of taking care of yourself while keeping your career on track.

Know what’s important
We are constantly saying we are busy, but don’t make this a reason to be late, tried and in the end, less productive. Each morning before you look at emails or make any calls, write a list of what you need to do that day and check on any meetings that have been scheduled. When you prioritise your workload, it is easier to have a stress-free day and if additional tasks come in, look at just how important they are before dropping your original plans.

Learn to say no
We are conditioned to say yes, but doing so can pile on the stress and make you less efficient. It isn’t easy to say no to a new project from your boss, especially when a promotion is on the cards, but if things feel too much, sit down with them and look at where other tasks can be delegated and what the deadlines are – tomorrow isn’t always realistic.

Take breaks
If you spend most of your day at a desk, you need to get up, walk away and take regular breaks. Making a cup of tea, walking to talk to a colleague, going to the post room and even making a phone call in reception are simple but effective ways to have a break from sitting down and staring straight ahead. When it comes to lunch time, it might be tempting to sit and work through your to-do list, but this is the perfect time to get away from it all. Go for a walk, have lunch at a local coffee shop or pack sandwiches and head to the park and clear your head.

Meditate at work
Meditation isn’t just for yoga classes and a quick session at your desk can really help bring clarity to your day. Even if you are having a super busy time, downing tools for five minutes, taking stock of your breathing and taking a step back can help increase your productivity levels and leave you feeling energised. There are loads of great books and apps out there, we like Buddhify, so have a look around and find something that works for you.

Work-life balance
We know it sounds like meaningless jargon, but it is vital to plan your free time as well as work diary to get the right balance. Having a mix of hobbies, a group of friends to meet up with, gym membership or regular Zumba class to attend, will all help you turn off from work and relax.

Book a holiday
Just as you need to take a break in the day, you also need to use your holiday time. We aren’t saying take a full two weeks, but a long weekend with the girls or a mini break by the sea can really revive you and you will go back into work feeling refreshed and smiling.

So, if you want to be more productive and less stressed, take time out for you and we think you will see a difference.

Team Pure Beauty