Do you think you know how to heat a home efficiently ?

Oh the weather is so changeable right now, yo just have no idea day to day what it is going to do.

The other day I retrieved our summer clothes from the loft, I was feeling hopeful and inspired by glints of sunshine, a parade of colourful flowers and murmurs of summer holidays.

I should have been a little more cautious and remembered that this is England!

The very next day I had cranked the heating back up and was in  a big woolly jumper drinking hot tea as I worked, to keep myself toasty.

How to heat a home efficiently

I have been aware this winter of drafts in our home through doors whose sealant is obviously not quite right. I have wondered too about under floor heating and my toes have thought what a truly marvellous idea this would be. Do you have underfloor heating. People I know who do say it makes a lot of difference

My heating bills seem to have gone up whilst my actual level of toastiness in our house seems to have gone down.

We are going to have to re-look at how efficiently we are heating our house.

Underfloor Heating Trade Supplies have put together a survey to find out if people know how to heat their home efficiently which I would love you to pop over and take here

It is so important we get the most for our money isn’t it and it is equally important that whilst being so money smart we actually have comfortable homes that meet our needs.

Do you think you heat your home efficiently? I would love to hear in the comments below what you do that you think works really well for you. And do pop and take the  survey!









Keeping track of personal finances is a formidable task, particularly as we age and money matters become more complex.  Add changes to the economy, following the major global recession, and personal money management becomes an intimidating prospect for those unfamiliar with the ins and outs of finance.  If you are charged with running your family finances, but don’t always feel confident in your abilities, proactive moves can help you find your financial stride.

Become an Educated Consumer

Financial knowledge translates to earnings and savings, so it pays to stay informed about consumer trends.  Not only can you improve your short-term financial outlook by showing savvy at the point of sale, but educating yourself about credit rules, economic conditions, and other money matters also contributes to long-term security.


Financial understanding improves outcomes at all levels of your personal economy, giving you the tools needed to make prudent financial moves.  And with modern communication methods at your disposal, access to relevant financial information is unfettered.  Car-buyers, for example, choose from dozens of online venues, highlighting cars for sale.  With a few mouse clicks, shoppers readily compare models and pricing from various dealers.  Similarly, those shopping for loans use sites like to evaluate interest rates and lending options.  Insurance coverage is also marketed in the same way, enabling informed consumers to weigh their options, side-by-side, before making spending decisions.


In addition to the insight provided by online comparisons, customer reviews furnish valuable information for consumers.  Dedicated review sites maintain forums for those with feedback to offer, but even Amazon and other sellers include reviews on their websites.  Although each review is subjective and opinions vary, reading feedback from past buyers can help identify trends in actual user experiences.  With their guidance, you’ll make quality purchases and keep replacement costs as low as possible.

Use Technology to Simplify Money Management

Keeping-up with ever-changing financial technology can be frustrating, but each innovation may also be an opportunity to streamline your household finances.  With a little tech savvy, the following aids can help with everything from budgeting to banking:

  • Online Banking – Banks and credit unions offer increasingly powerful money management platforms, capable of linking all of your financial business to a single account. Handling matters online is efficient, saving you trips to the teller, but wide-ranging online services go beyond automated deposits.  Loans, investment accounts and various payments can all be managed using online banking.
  • Free Credit Report – Your credit report is a financial tool, so you should know exactly what it contains. You are entitled to, in fact, without cost, so order your free annual credit report and work on weaknesses in your credit profile.
  • Budgeting Apps – Keeping track of your household cash flow is best accomplished using a ledger to log oncome and spending. Moving to a digital format adds benefits like reports and at-a-glance features furnished by budgeting apps.
  • Investment Services – Financial security includes saving and investing for retirement. The face of the professional financial consulting industry has changed, shifting alongside technological advances. Like other forms of banking and money management, investment accounts and services can now be controlled and accesses remotely, with less emphasis on personalized service.  Using the evolving financial apparatus to your advantage can increase returns and keep you informed about investment performance and trends.

Collaborate for Success

Financial challenges are personal, but you are never alone grappling with money matters.  And while professional financial advice sheds valuable insight, it is not the only way to strengthen financial understanding. To increase your chances for success, consult with others familiar with your circumstances.  Unsure if you are getting the best professional financial advice? Join a local investors club to compare notes with contemporaries.  Preparing for the extraordinary cost of college?  Connect with others facing the same challenge, or better yet, seek counsel from those who’ve successfully navigated degree programs. Considering a real estate investment?  Discuss the ins and outs of ownership with landlords you trust.

There is no substitute for experience, but you can’t afford expensive mistakes. Fortunately, you can learn from others, without risking your own financial security.  Personal financial decisions are ultimately in your hands, but others’ successful strategies can often be applied to your own financial quandaries, with good result.


Financial fortunes ebb and flow, under the influence of countless forces.  Despite the unpredictable nature of money matters, maximizing positive outcomes is one key to consistent financial success.  Collaborating with experienced money managers and making the most of financial technology are two easy ways to reinforce healthy personal finances.  And educating yourself about financial trends and economic conditions furthers your ability to maintain financial balance.



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Oh I have had a lovely little shopping spree this week and I am excited to show you my 5 frugal bargains.

First up these funky reading glasses from TK Maxx and absolute bargain at £7.99 . I can pretend I am young and cool rather than needing reading glasses due to my age!

Secondly, also from TK Maxx, I bought this gorgeous make up bag/pencil case. I love that it is big waterproof and matches my filofax perfectly . What a bargain at £3.99.

frugal things I bought

Then I popped over to Smiggle  netted a water bottle for my daughter for £5 rather then £13! in their date and got 3 packs of cute take apart runner for £1 each. As these normally retail at £4 each I thought they were a great deal and will go straight into my present drawer for my daughters pals.

A little charity shop hunting turned up a  45p book and a 95p DVD perfect for our holiday

I think you’ll agree that was some good shopping!

As always, 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.

You’re more than welcome to copy and paste the badge above but it would be even better if you could let your readers know that you’re linking up with us by adding a little line to the bottom of your post like this one:

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


While the prevailing levels of small business confidence have remained relatively strong in the wake of Brexit, SMEs are beginning to adapt their strategies to cope with a volatile climate. This is reflected by the fact that 63% of firms are considering expanding into overseas markets during the next 12 months, with emerging economies such as Dubai particularly popular. This represents the perfect example of business-owners monitoring and responding to economic trends, as they look to create an adaptable model that can thrive during challenging times.

The Link Between the Markets and the Economy

This is certainly an outlook that family businesses can look to learn from, particularly those that operate in competitive or depreciating markets. By learning how to study economic trends and identifying the numerous opportunities that they bring, it is possible to profit even during times of austerity. The most simplistic example of this is for entrepreneurs to study the price shifts and market movements which occur in their own industry, as this helps them to gauge consumer sentiment and make informed decisions concerning spending, borrowing and pricing.

In many respects, however, it is the financial marketplace that serves as the most prominent embodiment of this principle. After all, it is an increasingly diverse and liquid entity, and one that is home to an array of asset classes and derivatives. These markets are also vulnerable to economic and geopolitical shifts, which in turn creates an opportunity for small and independent firms to build knowledge, understand the deterministic relationship that exists between separate entities and identify ways of profiting accordingly.


How Trading the Markets Can Help you to Build Wealth

We have already touched on how studying trends and share price movements within your industry can lead to incremental gains over time, but this is not the only way to build wealth when studying the economy. As your knowledge and level of determinism builds, for example, you can look to trade on the financial market, focusing on derivatives that relate to your expertise before diversifying your portfolio in line with economic trends.

In the current climate, one of the best ways to trade on the financial market is to deal in currency pairings. While currency represents a volatile derivative, it remains extremely sensitive to geopolitical events and evolving economic trends, making it easier to translate your insight into practical trading decisions. We would also recommend that you use an online trading platform and an affiliated mobile app, as this offers you access to real-time and historical analytical tools (which place your insight into context) and enables you to execute orders in real-time.


Make no mistake; studying the economy and the trends that define it represent an excellent way of earning money in the modern age. This is particularly important for small and family businesses to heed, as it enables them to build wealth while also creating a strategy that can drive organic growth over time.



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Using technology is a great way not only to develop your child’s thinking and motor skill; it’s also a super way to stimulate his or her imagination. There are lots of creative ways you can use technology to have fun, from having a tech treasure hunt to coloring pictures. Here are some ideas to get you started.


Who doesn’t like a good treasure hunt? Technology makes them even more exciting, wherever you are, with geocaching. You might say it’s one big global treasure hunt. All you have to do is register online for a free membership, type in your address and how far from your location you want to explore, and you will be given access to geocache coordinates. Type them into the GPS on your mobile device and it’s time for happy hunting. Once you find the cache, use the logbook then return it to its location. You can share your experiences with other geocachers online.


If you’re looking for an activity that’s less strenuous and more relaxing, try this app. This is a great family activity to help everyone unwind before bedtime. It will lower your blood pressure and heart rate, relax your breathing and help your mind focus, not to mention the fact that it’s also a fun way to pass some time.

How Stuff Works

If you can get your hands on some old or broken technology, why not take it apart and see how it works. You can get old tech from thrift stores and recycling plants and spend hours of fun hacking into them with screwdrivers and checking out their inner workings. You never know, you might even be able to fix something.

Make the Next Blockbuster Movie

Smartphones and tablets all have video cameras on them, which give you and your family the opportunity to make your own mini-movie together. You can go all out and create sets and costumes and make a big production of it. It will be great fun and you’ve made a wonderful memory.

Take a Virtual Tour

This is a great way to travel without even leaving your own home. The Internet abounds with websites and apps that provide virtual tours. You can get to see a local neighborhood from a different point of view, explore the pyramids in Egypt, drift over the Sahara in a hot air balloon, or go scuba diving at the coral reefs.  There are also museums, churches and palaces to tour. You could be in one country in the morning and on the other side of the world by afternoon.

Play and Learn

If you have younger kids, you can enjoy playing and learning with PBS Kids there you’ll find a myriad of fun educational and gaming apps that you can play along with your kids with.

Let technology be part of your family fun so that you can still enjoy apps and gadgets while interacting with all the family.



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