St. George’s falls on a Sunday this year, so why not do something out of the ordinary and fun to help shake off the wintertime blues?  Celebrating St. George’s day offer’s something to everyone in the whole family.  The kids get to hear fascinating stories about dragons, knights, and princesses, and the adults can indulge in a little English ale guilt free (it’s what St. George would have wanted!).  Here are a few wallet-friendly ideas that can turn this St. George’s Day from a normal, lazy Sunday into a beloved family tradition!

 

  1. Arts and Crafts

  Make St. George’s Day a New Family Tradition with These Fantastic Yet Frugal Ideas

 

Turn a Sunday at home into an adventure by doing a bit of crafting and baking.  Knight’s helmets and princess caps are easy enough to make out of simple household materials like old shoe boxes and construction paper, and paper chain dragons can be made and hung all around the house.  When you get hungry, bake up some biscuits or cupcakes and decorate them with English flags, dragons and castles.

 

  1. Brunch with The Beatles

Nothing satisfies the ears and the stomach more than a classic English breakfast and England’s most loved band, The Beatles.  Even if you go all out, the ingredients for a typical English breakfast are quite cheap (beans, toast, potatoes, a bit of bacon…) and you can access The Beatles entire catalogue on Apple Music for free by signing up for a trial to the service.

 

  1. A Day on the Town

 

We usually save the sightseeing for when we go on holiday, which means there’s probably a lot you don’t know about your own town or city.  Take the day and head to a local museum, battlefield or heritage centre in your area.  There might be a lot of interesting things to discover, and the kids will be fascinated about what happened on their very doorstep.  On the way home, order or pick up a takeaway from a classic English chip shop to finish the day off right!

 

  1. English Flag Murals

Grab some finger paint and turn a few old towels into English flags.  Then, encourage the children to paint something they love about England in each of the four corners.  Put some suggestions in a hat and have them pick them out one by one.  You’ll probably need to accompany some of them with interesting stories, while others should be things that they already know of but may not have known that they were English.  Don’t forget to include the legend of St. George!

 

  1. Erect a Blanket Castle

 

 

All you need for this activity is your imagination… Oh, and you might need to dismantle your beds and sofas, but it’ll be worth it!  Design and build a huge blanket castle with cushions, blankets and mattresses, and then spend the afternoon inside telling stories about the days of chivalry and lore.  Claim the fort as your own by learning your family crest hanging drawings of it all over the castle walls.  No dragons allowed!

 

 

 

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It’s an unfortunate fact: the UK is becoming more and more expensive to live in. While the minimum wage is rising above the rate of inflation, the fall in the value of the pound over the last ten months has resulted in the rise of basic costs, like fuel and food.

We often hear people complaining about the cost of cigarettes and tobacco, which seem to get more expensive by the day. So how about an alternative in e-cigarettes? Let us talk you through how e-cigarettes could save you hundreds of pounds a year, while also helping the environment and your own health!

Sounds too good to be true? Well, it’s not. Just read our straightforward advice and see how many aspects of your life could benefit instantly with a switch to e-cigarettes.

How to budget for E-Cigarettes

On average, a cigarette smoker in the UK smokes ten cigarettes a day. A pack of ten cigarettes costs around £5, meaning an annual spend on cigarettes of £1825. That’s a very large amount of money to be spending on something that seriously damages you and the environment you live in.

By contrast, a disposable e-cigarette costs as little as £5 and will last as long as a pack of 20 cigarettes! So instead of paying £10 every two days for 20 cigarettes, you can pay just half that. In just one month, you would spend £75 on e-cigarettes, instead of £150 on traditional cigarettes. In one year, you could save £900. Now more than ever, that £900 could be very useful to you and your family.

 

The Rechargeable E-Cigarette

Even better still are rechargeable e-cigarettes. While being a little more technical, they not only provide a more enjoyable vaping experience, but they’re cheaper in the long run, too! Take the Kangertech PANGU Starter Kit; one of the best performing e-cigs from one of the most reliable brands around. At £22.99, it comes with everything you need to start vaping and has enough capacity to vape all day long, without refilling!

To continue with all the vaping fun, you’ll need to buy more e-liquid to fill your e-cig and, eventually, more coils. Usually, a 10ml bottle will last around three days. For someone who smokes around ten cigarettes a day, we recommend the bottles with 16mg of nicotine. Though there are varying nicotine levels around to help smokers gradually reduce their intake, this is the most commonly used vape liquid in the UK and should cost around £10 for three bottles. On top of that, you will need to replace the coil roughly every couple of months, so we need to buy two packs of five new coils, usually at £9.99 per pack.

All in all, you get a better choice of flavours, a better experience and (drum roll please…) you can save £1335 a year! That’s £400 on liquid, £23 on the kit and £20 for new coils (you’ll even have some of these left over), for a yearly cost of £443. Just think of all the things you could spend that money on…

 

The Health Benefits of E-Cigarettes

We’re not here to lecture you on smoking — we think people do that enough already! Instead, all we want is to offer an alternative. E-cigarettes are, simply put, a tar-free, carbon monoxide-free replacement for your nicotine needs. They are certainly not ‘some fad’ that doesn’t get taken seriously. You can even get tobacco-flavoured vape liquid, so you wouldn’t be able to tell the difference from your old cigarettes.

Which such a fantastic alternative available, choosing not to replace your traditional cigarettes with a cheaper, healthier option seems ludicrous. So, go with what makes sense and live the rest of your life in a healthier way — and with more money in your pocket!
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If your business is suffering from cash flow problems, then you may need to consider external help. Cash flow problems are experienced by the vast majority of SMEs, and it’s certainly nothing to be embarrassed about. If dealt with quickly, you can resolve the problem easily, too. Here, we discuss how you could use invoice factoring to clear cash flow problems. We’ll cover what it is, how it could help you and some potential downsides.

What is Invoice Factoring?

Invoice factoring is a type of business finance. It converts outstanding invoices that your business has into immediate cash. As such, it’s mainly used by SMEs experiencing cash flow problems (as we say, this is nothing out of the ordinary).

With invoice factoring, you can convert invoices that are not due for up to another 120 days (although this varies between companies who offer the service). You often receive the money for the invoice in two chunks. You’ll get up to 90% of its total value within a couple of days and the final 10% once your customer or client makes payment. Of course, you’ll receive the final chunk of the invoice less a small fee.

Is it Right for my Business?

Many businesses use invoice factoring, but that doesn’t mean that it’s right for everyone and there are a number of factors you should assess before you start invoice factoring. However, let’s take a look at some of the benefits.

Invoice financing is a good option for many because of its flexibility. You can match invoices to working capital needs, both in terms of the amount you need and when you need it. You don’t always have to pick the longest or shortest invoice.

Plus, it’s fast. According to Touch Financial, you can get a pre-approved percentage of your funds within as little as 24 hours. As you can often apply online, there’s no paperwork trail to slow things down.

Plus, remember that you’re relying on a customer’s creditworthiness, not your own. This can be incredibly handy if you’ve just experienced a sales drought. As you don’t need a traditional loan, not only does it not impact your credit rating, but you also have no payments going forwards as long as the customer pays their invoice as promised.

However, remember that invoice factoring may not be right for you. For example, if your business needs extra funding, you need a longer repayment method or if you don’t invoice customers at all. If this is the case, look for government backed schemes to help instead.

Whether it’s invoice factoring or a form of loan, there’s help for your business available, so assess every option closely.

 

 

 

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I can trace the sounds I have slept too as I look back over my life and they tie in so much with what I was experiencing then.

Sounds and Sleep

My mum use to tell me as a little child I liked to fall asleep to her singing Hush Little Baby. I like the security of her being there I suppose and her soothing  words and tone.

When I was in my teens I used to tape the top 40 off the radio and every night I would fall asleep listening to my tape. I was desperate to learn all the lyrics.  The following Sunday I would make a new tape and spend the following week falling to sleep to that too.

When I went to university I was dreadfully homesick for my family and old friends. We had kitted out my tiny room with a comfy cheap mattress posters of the Cure and a colourful rug but  much as I adored it it wasn’t home. I made myself a mix tape with some Elvis on to remind me of my mum and some Nat King Cole to remind me of my dad. I also included the Waterboys, James and Inspiral Carpets to remind me of my old friends and the songs we loved. I listened to that and cried at night a fair few times.

Fast forward to my 20’s and the world of work and I just need to sleep, sleep, sleep and I began to need to sleep with no sound at all.

Then along came the kids and oh my goodness I wouldn’t even let my husband have the TV on in our bedroom in case I missed a murmur from one of my babies.

Over the past couple of years due to a health condition I have had to sleep on a ventilator which makes a really comforting whooshing noise. This lulls me to sleep and makes me feel safe as I know the machine is doing it’s job.

It’s funny how your sleep habits reflect your life so closely isn’t it and so interesting to look back at the patterns in your life.

 

 

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This week my mind has been firmly on holidays and I have been focussed on the summer and travel and adventure, with frugal travel tips firmly in mind

Just a hint of sunshine and my mind is firmly summer bound!

So I ‘d love to share my ideas with you and hopefully inspire some frugal travel planning.

How about 50 ideas for free things you can do at the seaside

 

Or if visiting cool cities is more your thing this week I have been casting my eye over cheap and free things to do in London. Oh I just adore London!

 

I do love holidaying in the UK it saves so much hassle and can be great for the budget too. have a look at these 5 UK breaks on a budget

I’ve  also been thinking about all inclusive holidays and wondering if all inclusive holidays are cheaper ? I would love to hear your thoughts on this?

Finally something my kids have been wanting to do forever and that is visit Disneyland..here are some tips on how to afford Disneyland . I had best start saving!

 

So yes this week my head has been full of thrifty travel.

What have you been up too this week ?

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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