How to shop in the sales so you really get a bargain

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Mention the word ‘sales’ and the temptation is to head to the shops and spend, spend, spend. The reality is that something in the sale is only a real bargain if it is something you need, something you are going to wear or use and something that fits.

With discounts out there on the High Street and online, we are going to have a look at how you can be a winning shopper when it comes to the sales.

Do your research
OK, this might take out a little bit of the spontaneity of sales shopping, but before you part with your credit card, just check you are getting the best deal possible. Those trainers with 20% off in one shop, might have a whopping 50% off somewhere else, so look around and you might be surprised at what you will find and where the real savings are to be made.

Buy for now
Yes, that black dress is amazing but if you are a size 12 and it is a size 8, don’t buy it ‘just incase’. Go for items that actually fit you now and you are going to wear, rather than something that will stare at you from the wardrobe and remind you of those extra pounds you keep meaning to lose, but don’t.

Go for classics
A wool coat, a black shift dress, fitted trousers and leather brogues are all classic staples that will stand the test of time. You really will make a saving if you go for items that you can mix and match as the trends change.

Check your diary
The sales are a great time to find something for a forthcoming wedding, birthday party or work do. See what’s in the diary and you never know, you might save stacks on a knock out dress and killer heels which would normally be way out of your budget.

Take a closer look
Let’s face it, shop floors in the sales can get busy and messy, so just check what you are buying. Look for dirt and dust, check for holes and snags, and look at the neck and ensure it isn’t plastered in foundation that might not even come off in a hot wash.

What are the terms?
Yes, you have consumer rights, but we would just suggest you check these before you buy. See whether you can get a refund or if it is exchange only and always put the receipt somewhere safe. Also ask when these changes have to be made, so you don’t end up taking that cute jumper to the charity shop because it’s just too small but can’t be returned.

Check your shoes
Now, you might see those perfect heels as the shop is closing and want to just take them then and there, but before you hand over the cash, make sure they fit and also check they are the same size. Nothing worse than getting ready to party and finding you have one size 5 shoe and one size 6!

Take a break
Shopping is fun, but while you are out make sure you stop and refuel and take stock of what you have already bought. If you are tired and hungry, you may well make purchases you regret which will mean a return visit so you won’t have saved any time, or money at all.

If doubt, don’t do it
What we would say is that if you are in doubt, then don’t buy it, move on and save your money for something you really love.

Happy shopping.

Team Pure Beauty

Spring clean your finances

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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

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