Take the financial squeeze away from Christmas

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ads, ‘buy one get one free’ offers, bank account, bank accounts, bank balances, boost, cash flow, celebration, Christmas, cupboards, deals, digital age, discounts, dog sitting, dress, dust, eBay, extra money, Facebook, family, flatmates, global marketplace, heels, insurance, Internet, joy, keyboard, local groups, loft, mobile phone, overdraft, party, photography, red, samples, Secret Santa, sell, shopping lists, side hustles, social media management, stress levels, Sunday Times bestseller, tax, The Money Saving Expert, The Multi-Hyphen Method, town, TV, utilities, work colleagues, writing, X-Box

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

Make 2018 the year to go freelance

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accountant, activities, basics, best friend, Blogger, book keeper, boring, Breakfast meetings, buffer, business opportunities, business plan, cake, competition, creative, cylinders, daily commute, design websites, dream, equipment, evening event, excitement, finance, flexibility, fly solo, focus, freelance, full time freelancing, full-time job, growth, hard cash, holidays, HR, insurance, investment, IT, location, logo, love, lunches, magazine, Marketing and PR, marketing plan, mistake, money, name, new venture, offerings, out there, own boss, people, PR, professional, realistic goals, reality, research, school mate, skills, small print, social media, synergy, tax, think, unexpected costs, up and running, VAT, water cooler conversations, website

Fed up of the daily commute?

Had enough of mundane water cooler conversations?

Sick and tired of Sarah in IT and Jo in HR making your life a misery?

Then maybe it is time to go freelance.

While you might not have the security of a 9-5 role, a monthly salary or 21 days holiday a year, being your own boss does offer you flexibility and the chance to do what you love but on your terms.

We aren’t saying hand your notice in now, but have a think about what you want to do and if you consider the points below, we think you might start making that dream a reality.

Have a plan
Create a business plan that looks at finance, growth, location, activities and skills. This don’t need to be anything long or fancy but setting things out in black and white can give you a focus and realistic goals.

Network
Breakfast meetings, lunches and evening events are all greats ways to start making connections even if you are still in a full-time job. If you are nervous, why not go with a friend and then swap notes at the end of the session?

Contacts
The old saying, ‘it’s who you know not what you know’ is very true when you start a new venture. Maybe your best friend works on a magazine, your old school mate is a blogger or you know a couple of people who design websites or do PR? Make the most of the people you know and it could well be there is synergy between you and them that could lead to business opportunities.

Look at the Competition
You might be able to make a mean cake or write a really creative marketing plan – but so do loads of other people out there. Do your research, check out the competition and work out what makes you different and where your offerings would site in the market place.

Think About the Money
Let’s not beat about the bush, starting out requires hard cash investment and you are going to need this, so start planning. Look at how much money you need to start your business, what equipment you would need, and before you make a start make sure you have a buffer saved up for those unexpected costs and quiet patches. It might even be that you need to work part-time for a while to get things up and running and keep money coming in, but it will be worth it in the long run.

Marketing and PR
This is something you can do as you get ready to take the next step of full-time freelancing. Decide in a business name, get a logo, set up your social media feeds and ensure you have a website in place. All of this takes time, and money, but if you get the basics set up in the background, when you are ready to go, people will be able to find when you when you are open and firing on all cylinders.

Small Print
The excitement of setting up something new can mean the details get left behind, but this isn’t a mistake you want to make. Finding an accountant or book-keeper, registering for tax, considering VAT status and researching professional insurance might seem boring, but they need to be done and will make you more efficient and professional in the long run.

Location, Location, Location
When you work for someone else, you go to their premise day in and day out but when you fly solo it is a very different matter. You need to make sure you have a base to work from and one that is ideally close to local amenities, has a decent internet connection and phone support as well as good transport links.

Whatever you do, if you have a dream, go for it.

Team Pure-Beauty

Get on your bike

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bag, bigger, bike, Bike Week, challenge, clean, cycle, employee, environment, equipment, faster, fit, fresh, Government’s Cycle to Work scheme, handles, HR, layered, lights, lock, office, official, organisation, padded shorts, parking, pavements, red lights, reflective, road, rucksack, rules of the road, showers, taffic, tax, vital, work, workplace

11-19th June is Bike Week, an annual event that promotes cycling and demonstrates how it can easily become a part of your everyday life.

This year the main focus is on cycling to work, so we have had a look at how to get started.

First things first, you need a bike. If you already have one, make sure it is in good working order and if you haven’t used it for a while, take it to your local bike shop for a service. If you don’t own a bike, start with something simple, functional and ensure it is the right size for you. There are some great bikes on the market and you might be able to pick up a good second hand cycle that will ease you into this lifestyle change without making a massive financial investment.

You might want to take a look at the Government’s Cycle to Work scheme; an employee benefit that provides tax savings on bikes and equipment.

Get a helmet. No they aren’t cool but protecting your head is key to safe cycling, so make it a priority. It is also a good idea to invest in bright, reflective clothing especially for the evening and winter commute, as well as decent lights for your bike.

Always carry spare inner tubes, tire levers and a pump in case you get a flat and learn how to use them too.

It is one thing driving or getting the bus to work, but cycling needs a little more planning. You ideally want to find a route where you can use roads with dedicated bike lanes or take the quieter streets with slower speed limits. Ensure there is good lighting as this will make you feel more confident and safer.

Trial the route before you use it for work as this will help you feel prepared. Once you are happy with the route, leave early the first few times you do it for real. Giving yourself an extra 15 minutes will help you relax so you can deal with any unexpected traffic or delays calmly and not get stressed or nervous. Once you get in the swing of things you will find you simply take these in your stride, or peddle!

Be aware of the road and the traffic around you. Buses, cars and lorries are bigger and faster than you so it is vital that you keep focused and in their view. It is also important that you follow the rules of the road and never cycle on the wrong side, don’t use pavements and always stop at red traffic lights.

Whilst you can wear your work clothes for cycling, many people prefer to change into them when they arrive so they feel clean and fresh. As well as the reflective clothing we have mentioned, you may want to wear padded shorts or tights and go for layered clothing, as you will work up a sweat. A rucksack means you are free of a bag on your handles and you can also keep your lock in this.

Find out what facilities your workplace offers cyclists. Ask colleagues or HR about cycle parking, showers and a place to store your gear. If there isn’t anything official in place, see what can be organised and you might be surprised by how many other people want to get involved but were to scared to ask.

Cycling with a friend can be fun so see if anyone else is up for the challenge or maybe someone in the office is looking for a buddy to join them?

Most of all, remember that cycling is meant to be fun. Yes it is a great way to get fit and you will be doing your bit for the environment, but try to relax and take it easy. You want riding to be enjoyable, so do it when you feel like it and if it is raining or you don’t feel 100%, give it a miss and try again the next day.

Stay safe and cycle happy.