Many would agree that handling personal finances properly is one of the skills that define the level of maturity of a person. At the same time, some of us need years to master this art. Luckily, it is possible to speed up this process, at least if to follow a couple of simple tips and tricks.

What are they?

tips and tricks to save you a fortune

(source http://www.menshealth.com/guy-wisdom/money-saving-hacks)

 

  1. Keep as far as possible from Starbucks and McDonalds. We actually spend a fortune on coffee and do not even notice this. Meanwhile, average American spends $1,200 a year on fast food. You’d better not be average, as you might have guessed.
  2. An average American family throws away approximately $2,200 worth of food each year. Don’t be average, as mentioned above, and develop a habit to use all the food that is about to expire. Finally, stop buying foods that makes its way to your use-or-lose list too often.

 

  1. Lay down a rule to unplug chargers and all the other devices that consume energy when not in use. It is a must, for instance, to turn off the lights when you leave. Air conditioning is another expense item – turn it up a few degrees when you go out.

 

  1. It is great to go in for sport, but it shouldn’t cost a fortune. Instead of paying for a gym or fitness classes every month, learn how to get fit for free – start running in a local park or buy some tools (like bands, weights, fitness ball, etc.) to exercise at home. Luckily, there is plenty of free workout videos on the Internet. Visit Mashable to find the best sport-related sites.

 

  1. Find a source of additional income. It doesn’t matter if this will be stock investing or high frequency trading (more details on Glenmore Investments) or something like babysitting or pizza delivery. Just remember that income diversification is the main rule of personal finance management.

 

  1. Don’t pay more than the thing you want to buy actually costs. Remember, for instance, that a car is just a piece of metal. When choosing it, make sure you do not overpay for a brand name. After all, you need a means of transport, but not the proof of your financial status. The same principle works with any electronic devices and especially clothes – just focus on practical aspect, not the prestige one.

 

In such a way, your financial security depends not just on your salary and taxes you need to pay, but also on your ability to manage your money wisely. You will be surprised how much you can save if you make a little effort. Simply try and you will see it by yourself!

 

 

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When my babies were little I was so vigilant about health and safety in the home (if not a tad paranoid) Babies are just into everything and bless their little hearts they have no sense!. I had cupboard locks and stair gates and rounded corner edges ion furniture. Everything was baby proofed!

I have just been reading over at Rattan Direct that half a million children under the age of 4 are hurt in the home every year. What a completely shocking statistic. And a preventable one.

There is so much you can do to baby proof your home. It is quite an eye opener what  mundane household objects cause injuries to children and it is crucial that parents, grandparents and in fact any child carer is aware of these.

You can test your knowledge over at Rattan Direct with this brilliant quiz on how to baby and child-proof your home

Just a few minutes of your time really could make all the difference.

I am proud to say I got 10/10  and I would love to know how you get on!

 

child-proof your home

 

Rattan Direct

Have you heard of Rattan Direct they are the leading rattan furniture suppliers in the UK, they sell beautiful dining sets, garden furniture and sofas. They have such lovely items it is well worth a browse of their site.They also have a rather lovely and informative blog filled with great articles about home and gardens.

One recent article packed full of good ideas was on school gardens and another one I thought was inspired was one on creating texture in your garden paths. I do love a good garden path!

 

 

collaborative post

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Just a speedy post this week as the kids are off and my hands are full.

Here are 5 frugal things we did this (and every) school holidays.

frugal things I did this half term

 

Baking – takes ages and occupies the kids really well as they get increasingly independent with their makes. Baking also  uses up our kitchen bits and bobs and keeps me out the shops for treats!

 

Playdates – having friends to play is my kids number one things to do and just costs me in beans on toast and tidying up time

 

Parks – parks are perfect no matter what the weather and this week has involved a very muddy game of football with my kids and their friends and some swinging around.

 

 

Visiting great grandma (armed with board games) my kids love to visit their GG and she loves to play with them,. Board games are a complete win every time

 

Feeding the ducks. We just buy a big bag of duck food and separate it into lots of little bags and whenever we need a some fresh air or a change of scene we grab a bag and go find the ducks down out local canal. Simple but always heart warming.

 

duck food

 

The Fabulously Frugal Things I’ve Done This Week Linky rules:

We’d love you to join in with us by sharing what frugal and thrifty things you’ve been up to this week – whether it’s an Instagram picture (#5frugalthings), a blog post or even a video. Just add your link to the linky at the bottom of this post.

You don’t have to share five things you’ve done, anything thrifty or frugal that you’ve been doing is perfect.

Let’s make this a great little community linky so it would be brilliant if you could comment on a couple of the other blog posts linked up. We’ll make sure that we comment on all posts and if you have a Pinterest friendly image then we’ll Pin your post to one of our boards too.

Make sure you include the line below to tell everyone you’re linking up:

 

I’m linking up with this Cass Emma and Becky in this week’s ‘Five Fabulously Frugal things I’ve done this week’s linky.

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Charity Shop Haul

So this week I decided to take a break from my rather intense studying (just 7 weeks to go!!!) and have have a little wander round my local charity shops. I purposefully took just £5 out with me to see what I could find.

Well it was a delight.

I used to love scouring charity shops but I have been a little time short lately (a lot time short if I am honest) and within 10 minutes in just 1 shop I had my 5 frugal things!

Want to see what I got for my £2.50?

Well we are off on holiday soon so I had my eye out for a good book for the beach (£1)

Charity Shop Haul

 

A DVD for the kids, to take with us for the evenings (50p)

 

 

And  I  also got us some lovely crafty bits for half term (and Valentine cards) plus a perfect embroidery set that can slip in the present drawer –  (3 for £1!! )

 

 

What a great little haul!

Cheered me up no end.

How has your week been?

 

The Fabulously Frugal Things I’ve Done This Week Linky rules:

We’d love you to join in with us by sharing what frugal and thrifty things you’ve been up to this week – whether it’s an Instagram picture (#5frugalthings), a blog post or even a video. Just add your link to the linky at the bottom of this post.

You don’t have to share five things you’ve done, anything thrifty or frugal that you’ve been doing is perfect.

Let’s make this a great little community linky so it would be brilliant if you could comment on a couple of the other blog posts linked up. We’ll make sure that we comment on all posts and if you have a Pinterest friendly image then we’ll Pin your post to one of our boards too.

Make sure you include the line below to tell everyone you’re linking up:

 

I’m linking up with this Cassfollow, Emma followand Becky in this week’s ‘Five Fabulously Frugal things I’ve done this week’ linky.

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So you have some time off from work, but the concept of gathering the family or friends and taking off on a plane somewhere does not fit the budget. Instead of scraping the bottom of the financial barrel to have some fun and relaxation time, opt in for a staycation! We have some tips and ideas that will make your local vacation one of worthiness.

 

  1. Rules and Tips

A staycation is the term for an “at home” holiday. Because you are spending a bit more time at home, it is vital to put in place some rules to avoid getting caught up in home life. In order to avoid making your staycation a bore, you must AVOID:

  • Homework
  • Cleaning
  • Chores
  • Laundry
  • Work emails/tasks

 

Try and shy away from anything that you would not normally be able to do if you were on a tropical island, away from home. Keep your worries at bay and clean the house, do chores and homework prior to the start of your vacation.

 

  1. Local Activities

Regardless of which city you live in, there are loads of free/cheap things to do in every town. Some of our favourites include:

  • Become a tourist: pick up a brochure of your very own town and go on an adventure!
  • Picnic at a park: Check out Telegraph for a list of London’s favourite picnic spots

Get smart at a library: Gather the family for some book fun! Many libraries have free activities to participate in daily.

 

 

  • Visit a museum: Loads of museums offer free admission, so go educate yourself at whatever museum you fancy! The National History Museum always has something going on.
  • Get some exercise: Hit up a hiking trail, try a new bike path, or take on a long stroll along the water with your date.

 

  1. At Home Activities

Balance your in-town adventures with things to do from home. Step up your staycation game by:

  • Camping in the backyard: Who says you have to travel far to pitch a tent and tell ghost stories?
  • Spa day: Opt in for a long bath, face masks, and nail panting
  • TV or movie binge: Have some friends over and spend a day binging your favourite show or movie on Netflix
  • Order takeaway: Don’t lift a finger in the kitchen and order dinner and desert from your favourite place who deliver to your door quickly and efficiently.

 

Guide to a Staycation

 

  • Games night: Crack out a deck of cards, pour some drinks, and have a laugh or two with friends and family playing a classic card game.

 

The sky’s the limit with all of the possibilities to make your staycation a successful one!

 

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