Year Round Ways to Save for Christmas

We have reached the middle of October now so it is perhaps safe to start to use the C word?  Combing the C word and the P word often strikes fear and terror into the eyes of people you talk to at this time of year, but I am going to say the words.  Christmas presents.

Christmas is a time of year that I love.  Finding the right gift for people is something that I enjoy and I take as much pleasure in locating the perfect gift (hopefully) as when it is received.  But presents take planning, not just the planning of what to buy for your loved ones, but also making sure that you can afford them and not break your budget.

With food costs and energy prices soaring in the last year(s), it is more important that ever to plan ahead for Christmas.  There are various ways that I plan for Christmas presents and making sure that I can afford to buy what I want.  So here are my tips for things that I do throughout the year:

Getting Your Cash, Back

It is something that can be easy to forget, but one thing that I do year round is use a cashback site.  As this is not a sponsored post, I won’t give you a link, but the one that I use is Topcashback.

I use this site as much as possible for my spending as well as searching out the best deals for home insurance, car insurance, vehicle insurance, travel insurance etc etc.  You can easy use it for things like food delivery, Ebay, there is much more on there that you realise and even the smaller amounts add up.  By doing this I usually manage to get £200 in my account by the end of the year.

It should be noted that you need to do this intelligently.  If you are using a discount code on the website you are buying from, then you generally will not also be given cashback.   So clothes shopping etc will generally not track for me as I usually only buy when I have a discount code that I can use.  

Keep Your Receipts

I also use a receipt scanning app where you scan in your receipts for points.  It only takes a couple of minutes to scan your receipts in for the day and by the end of the year I usually have £40-45 which can be transferred to my bank account, used as an Amazon voucher to buy gifts with etc.

Save Your Points 

One thing that most people have is a Boots card.  But there are definitely ways that you can use your Boots card intelligently in order to stack up points.  I keep an eye on the offers and try to buy in bulk when there are offers on for a few hundred points when you spend X amount.  I also buy my lunch there and all my beauty and hair products.  By the end of the year I usually have around £50 - £60 worth of points, which comes in handy for gifts and stocking fillers.

Double up on Rewards

Although this one only applies for people who are with EE, not many people seem to know about this (or use it), but EE have a rewards programme.

I have linked my current account and my credit card to the Rewards programme which gives you a percentage of what you spend.  Greggs at the moment for example gives you 10% back on what you spend there, places like Boots generally gives you 5%.

So by using this programme, I not only gain Boots points and points back on uploading my receipt (as discussed), but I also get cashback which turns into money that I can knock off my phone bill.

I have been using the rewards programme since January and I have been knocking £10 from my bill every other money, which equates to £50 - £60 per year which I save towards my Christmas shopping.

 By using the above and integratiing them into my daily life, overall by the end of the year, I have managed to save around £350, simply by making some small changes to the way that I shop and scanning receipts.

What ways do you save for Christmas throughout the year?

Seeing the Sights in Manchester

This weekend I did two things that I have always wanted to do in Manchester.

Usually when I am staying in hotels in Manchester it is for  special occasion, a night out or a shopping trip; I tend to stick to the same areas, bars and restaurants.  But there is so much more to Manchester that you can go and see.

So this weekend I decided to visit the Christmas markets (my first ever visit) and also to check out the Manchester Cathedral.  Although I am not religious or even a believer in any way, it does not mean that I cannot appreciate the architecture and the beauty of the place. 

How beautiful, right?  The height of the columns, the intricate detailing of the stained glass windows and have you seen that doorway??

I would also recommend seeing the John Rylands Library, the Bridgewater Hall Concert Hall and Calatrava Trinity Bridge.

After the Cathedral it was on to the Christmas markets.  Just a tad busy as you can see!

We decided to do the tradition thing and get a mulled wine to start our shopping out on a warm and fuzzy note.  £8 got us two delightful mug fulls of delicious and warming mulled wine and really got our shopping trip on to a lovely start.

After our mulled wine it was time to hit the food stalls located around the Town Hall and check out the welcoming Santa Claus!

Full of food, and one more mulled wine, it was time to start Christmas decoration shopping.  We were looking for some feature pieces to dot around the house rather than Christmas tree ornaments which we have in abundance.

The stalls had so much to offer!  What we quickly noted that it is worth shopping around to find what you are looking for as the prices differ, sometimes quite vastly, from stall to stall so it is worth checking everything out before making your purchases.

Although there are some gift based stalls, the Christmas markets are primarily for food and drink stalls as well as the usual Christmas decoration stalls so this is something that you need to bear in mind if you are looking for Christmas presents.  This beautiful Santa Claus is what we ended up bringing home, for the amazing price of ten pounds!

The spending money was gifted by Hotels.com, but all views are my own.

The Unspoken Rules of Giving Gifts

As the most festive time of year is inching ever closer, the mind immediately wanders towards gift giving: what to buy your friends and family, and more often than not, the gifts you yourself would like to receive too. There are some unspoken rules when it comes to buying presents for your nearest and dearest, though – and can even cause anxiety – is your present expensive or sentimental enough? Should you have just stuck to joke gifts? Who are you expected to buy a gift for?

Gift Giving Rules to Live By

Why is it that these rules never discussed? It would make life so much easier, don’t you think?

We have all been there – having bought someone a gift card last minute and then receiving an incredible gift that you adore in return. Avoidthe awkwardness and create some hard and fast rules to live by, for Christmas, Easter and beyond!

• If you know someone is buying you a gift, be prepared and make it reciprocal
• Set a cost limit for gifts – either with the individual or as a blanket across the board so that you don’t get blindsided
• Be consistent with the people you buy gifts for, year in year out

By making the most of gift-giving etiquette and these rules for buying presents for your loved ones, you can easily avoid any awkwardness and potential conflict. And we can all agree that this will only ever be a good thing!

Finding a Suitable Gift

Knowing how to find the right gift is something that many people struggle with, but it doesn’t have to be. You just need to know where to start.

Firstly, do some research. Have a look through their social media – what have they been talking about, or is there something they are excited about but haven’t bought already. Instagram and Pinterest – and even Amazon wish lists –are a great starting point.

Make a list of all the things you know and love about your loved ones and use this to help when looking for inspiration. It doesn’t even have to be a gift, organising something you can do together is also a great way of spending some quality time together.

Finally, make it personal – while buying something the person wants or needs is a great start, be sure to add a personal touch. Does your loved one love cheese boards? Put together some of your favourite cheeses and crackers for example.

It’s cliché for a reason, but being prepared in this way can really make gift giving an easy task, and you will go down in history as someone who gives the most thoughtful and generous gifts – and that’s never going to be a bad thing!

Alternative Ideas

These days, knowing what to buy as a gift in itself can be difficult. You always run the risk that you end up buying something they already own or buying something they simply won’t ever use. A great alternative to getting around this is to opt for something less physical; perhaps a donation to a charity or sponsoring an animal, a gift with real value to the recipient. These kinds of gift are so easy to organise and really demonstrate how well you know your friend or family member, and always go down well.

With just a little bit of planning and forethought you can be the gift giving queen or king that you were always destined to be. Follow the rules and you can’t go wrong. It is always worth remembering, though: Christmas is but one day of the year. Don’t get yourself into debt for this one day, your family and friends really will understand if you can’t afford it this year, and more importantly, they will still love you on Boxing Day!

5 Top Tips For Pre Planning Christmas Gifts

I don't want to scare you away; but I am going to use a word that can put dread and panic into your heart.  Christmas.

Christmas you say?  It is months away, why are you talking about it now?

Quietly whispers to you, it's only 3 months....  

Well, my suddenly terrified reader, because I want you to be prepared this Christmas and not run around like a headless chicken, credit card in hand; buying presents the week before the big day.  I have been there.  I swore never again.

So here are my top tips for pre planning your gift buying for Christmas without making a mess of your finances with panic purchases.  If you plan ahead, Christmas doesn't have to be that stressful.  I promise.

Lists Are Your Friend

So you have had a (hopefully) lovely Christmas with friends and family.  A few too many festive wines, waaaay too much chocolate and the last thing you want to think of is next year's Christmas planning.  My first tip.  Have a break first, leave your planning till February.

Next, make a list of the usual family and friends that you will be buying a present for.  Add in a miscellaneous gift to the list.  For the person who invariably turns up with an unexpected gift that you want to reciprocate.

Alongside the name of each person, write an amount that you are happy to spend on them and will stick to.  Now you have a budget that you can save for each month.  Add another £50 to it marked Christmas.  Trust me.

Take Advantage of Post Christmas Sale Items

OK now I know I told you to wait a couple of months to think about Christmas, but buying some dirt cheap wrapping paper on sale and maybe a few cards isn't going to kill you in January, right?  I much prefer my money to go on the contents, not in its wrapping.

What Do Women (Men & Children) Want?

It's June.  You made your list a couple of months ago, you've started saving.  You are ahead of the game.  Now is the time to start thinking about things that you want to buy.  Write them on your list.  Check out the latest deals, find out when the sales are.  That watch you want to buy for your boyfriend for example sounds a lot better at £50 in a sale than £100 two days before Christmas doesn't it?

Live By The List, Don't Die By The List

It's September.  Hopefully by now your Christmas saving budget is going well.  You have bought a few presents.  You are on track.  But are you?  Sometimes you can plan all you want and then you might have a couple of rough months financially and your saving isn't quite where it should be.  Don't panic.  You have time.

People appreciate the thought of a present and the time spent coming up with a great gift more than the amount it cost.  If you need to make changes, reduce your budget or maybe have that conversation with a friend about maybe not swapping gifts this year, it is ok.  The world will not end.

Time To Wrap It Up

It's the end of November.  Finish your shopping, wrap your presents.  You are set.  

The next few weeks will be distributing gifts, office parties and impromptu "hey lets go for a drink, it's Christmas" invitations.   Things that you haven't accounted for in your Christmas saving budget.  That is what you will spend your extra £50 on.  You will, without a doubt, end up spending more, but at least you have a little buffer for some fun.

So that's it!  My pre planning for Christmas tips!  Let me know what your tips for Christmas planning are.

*Collaborative piece

Getting Ready For Christmas Parties

I do confess that I am a bit of a homebody these days.  In my late teens and well into my twenties I loved to go out dancing on the town with friends well into the wee hours.  These days, the comforts of home, a nice glass of wine (or three) and a movie and I am happy and content.

My ritual of getting ready for a night out used to be a many times replayed and rehearsed routine, ensuring that I had everything ready and in order to be able to go out and party.  I had my going out products, my favourite bags that held just enough of what I needed and jewellery that went with every outfit.

So when it comes to the Christmas party season I am a little bit out of practice.  This year I decided to get my act together and put together some things that I would need in advance.  Here is what I bought.

1. Some sparkly jewellery

2.  Beverley Hills Perfect White Gold Toothpaste

3.  Dry Eye Concealer 

4.  Collectif Lulu Hun Lou Sparkle Heart Bag

5.  Taking care of your skin - http://www.dore.sg/acne-removal/

6.  Miss Daisy Evening Handbag Brush

These of some of the items that I have bought to help me out with the Christmas season.  A stylish ring with a bit of bling (sorry about the rubbish poetry there); a new evening bag; a brush to fit inside it to tame my dancing party hair.  

My face and teeth also come into play.  All those Christmas drinks (red wine especially) can stain my teeth so I usually buy a new toothpaste to bring out a bit more sparkle.  My under eyes also get really dry when the weather turns cold so I often find that I need to redo my concealer mid way through a night out.

What do you normally buy to get ready for those Christmas parties?

What To Buy The Boyfriend At Christmas

Men always say that buying for a woman at Christmas time is impossible, but what about what to buy for our partners?  Socks seems to be the stock answer but we want to be a bit more imaginative with our loved ones don't we?

I have put together some items that you could consider buying your boyfriend/partner/husband at Christmas with a range of idea and prices.  I have based my choices on the tastes of previous boyfriends, let me know if I have hit the mark for yours!

 While men tell us that they don't care about clothes, many of the men I have dated have had a near obsession with their footwear.  What about these skate shoes from SkateHut for £94.95?

For the guy that loves speed, you can't go wrong with a supercar experience with a professional instructor.  Priced at £79.00 

Skincare is for girls they tell us! Until you wonder why your favourite moisturiser is getting low very quickly and then spy your boyfriend using it.   How about getting his own grooming kit from Clinique for £30.00.

For more of a stocking filler but something that he will love (if he has an obsession with the Discovery Channel like my last boyfriend!); how about some Discovery Channel VR Glasses?  A bargain at £13.99.

Finally, and something to be honest that I would utterly love as well, for the Doctor Who lover, how about a Sonic Screwdriver remote control?  Priced at £54.99.

Hope these have given you some inspiration!!

Wishing On A Star

Call me sentimental, but one thing that I have always wanted to do is name a star.  It is the kind of thing that you do not generally buy for yourself but is a perfect present for a loved one.  It may be the romantic in me, but if someone I loved did this for me, like a boyfriend on Valentines Day or a gift at Christmas; I would be thrilled.

So I was delighted when Star Name Registry gave me the opportunity to name a star for myself.  I was given the Extra Bright Star package which lets you name a star (obviously!!), let you choose a constellation and provides you with an A4 Star Name Deed in a photo frame, a Sky Atlas Star Map and an explanation as to what bright stars and binary stars are.

When trying to think of a name for the star, there was one person I had in mind that I wanted to give this gift to and that was my mum.  When I was a little girl (and still when I want something haha) I always used to call her Kinsey.  So now, there is a Star of Kinsey!

I gave the Star Name Deed to her tonight and she was thrilled.  

When you receive your Deed, you are given a reference number which you can enter into the Star Register site to see what your star looks like.  Here is Kinsey!

  

Star Name Registry are allowing me to run a competition where you can win the opportunity to name a standard star for yourself, or a loved one.

What will you name your star?

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What to do when your Christmas gifts arrive damaged

The moment you've been waiting for weeks for finally arrives; your Christmas presents are here and much to your dismay, some of them are broken!

Unfortunately, these things happen, so it’s important not to get too caught up in the disappointment. Instead, act quickly and get the problem resolved well before Christmas Day arrives.

Even Santa himself isn’t immune from damaging his precious cargo! The different weather conditions and environments can take it’s toll on his sleigh, preventing him getting from A to B with all the presents intact.

Fortunately, the protective case experts over at The Case Farm are offering their top tips to help you solve the problem of damaged goods. Read on to discover how to ensure you get your gifts refunded and replaced before Christmas!

Know your rights

As a consumer, you’re entitled to certain rights under the Sale of Goods act 1979 that protect you when purchasing goods.

The Sale of Goods act states that you have legal rights if the item you bought is either:

• Broken or damaged in some way
• Unusable
• Not as advertised i.e. it isn’t as the seller described

It’s a good idea to be aware of these rights if you’ve received damaged goods, as they can help you get the compensation you deserve!

Find your proof of purchase

When buying items online or in-store, it’s crucial to keep hold of your proof of purchase just in case situations like this arise. This is usually a receipt, but it’s best to check the retailer’s returns to see what counts as ‘proof’ of purchase.

Many retailers require that you must have proof of purchase if you wish to return an item or get a refund, so it’s a good idea to keep hold of your receipts as a precaution.

Contact the retailer

If the shop or online retailer you bought your presents from have good customer service, then this process should be simple and straightforward.

The retailer may ask for purchase details or whether the goods are damaged or faulty. You will then be entitled to a refund, repair or replacement.

You can claim a full refund for a faulty product within 30 days of purchase. So if you’re tight for time, this might be the best option for you to get your money back in time for Christmas.

Get a helping hand

If the shop you bought your gifts from refuses to refund, replace or repair your damaged goods, you may need a bit of extra help to get your money back.

For big purchases such as second-hand cars, you can enlist the help of a consumer ombudsman. This is a free, independent service that helps you deal with your dispute and hopefully get it resolved!


*Collaborative post

Spread A Little Love This Winter

Among the seasonal cheer and chilly temperatures, winter is one of the busiest times of year for many of us. Whether it’s gift shopping or making time for friends, family and loved ones, there are plenty of things to keep us busy during the coldest months of the year. However, as we become increasingly pre-occupied and wrapped up in our own lives, finding time for one another can be a particularly difficult task.

Instead of focusing on the material aspect of winter and the festive season, we should do our best to get back in touch with the people who surround us each and every day. Care, kindness, compassion and generosity should all be integral at this time of year, which is why it is so important that you do what you can to welcome a little love back into both your life and the lives of others around you.

So, with that in mind, how can you go about welcoming some positivity and a greater level of care into your thoughts and actions? Here are some top tips which will hopefully provide the inspiration to get you started!

Kindness

It costs nothing to be kind to someone, and this is a trait that can easily be applied to many situations throughout life. Whether it’s a simple smile and a compliment or taking some time out of your day to be there for someone in their hour of need, once you begin to takea conscious effort to be kinder to people, it’s something that will then continue to grow on its own. Plus, even if you don’t believe in fate, once you begin to act nicer and consider how you treat people, it won’t be long before you too begin to reap the rewards of your own actions.

Charity

We all know that Christmas is a time for giving, but how many of us actually spare a thought for the many people who are in need around the world at this time of year? With plummeting temperatures and bad weather, winter brings a whole new host of difficult challenges for people to face, be it the homeless in our own cities or refugee families and orphans across the globe. 

Even if it’s just a handful of loose change in a charity collection box, an hour spent volunteering at your local food bank or donating what you can to an appeal for the Rohingya, even the smallest acts can go a long way towards helping someone in need.

Love

Of course, we all have people who are close to us and those we appreciate and care for no matter what. Whether it’s your family or a good friend, it’s always nice to show an additional degree of love, care and attention to your loved ones at this time of year. From clearing your schedule and organising meet-ups with friends and big family gatherings to simply picking out the perfect Christmas gift, sharing these simple yet meaningful annual moments is the perfect way to strengthen your ties and commit to spending more time together throughout the year to come. 

After all, the feeling of being loved and appreciated is one of the best there is – wouldn’t you want to share it at this time of year?

At the end of the day, we should all do what we can to help our fellow human beings. We all share this planet and when we work together, we are far more likely to succeed and reach greater levels of success. For that reason, even if it’s just a small act of kindness, try to commit to making a change for good this winter. 

*Collaborative piece

Christmas Gift Guide For Women In Their 30s

Hello everyone!  I won't say happy Christmas, as it isn't December yet but Christmas is now all around us; with trees in shop windows, cards in the stores and the list of presents that we need to buy our loved ones, which seems to increase every year.

Today I thought that I would do a Christmas Gift Guide for women who are in their 30s.  My demographic (just about, don't say 40s, I have another 2 years to go yet!).  These are some of the things that I would love to receive in my stocking this year.

Everything I have chosen could be bought by a family member, close friend or even an acquaintance or work associate for their Secret Santa.

1.  Little Book of Cocktails £4.57

2.  Microwavable Slippers £13.99

3.  Folklore Hand Cream £6.00

4.  The Book of Everyone £32.90 (hardcover version)

My favourites from this section are the Little Book of Cocktails (find me a woman in her thirties who doesn't like cocktails, an impossible feat) and the Book of Everyone.  This book is a great gift to give to a family member or close friend as it is completely personalised to them and the day they were born.

 1.  Mermaid Makeup Bag £9.00

2.  Cowshed Bath & Body Oil Set £20.00

3.  Leather Goals Journal £36.99

4.  Compact Mirror £14.99

5.  Crazy Cat Lady Mug £12.50

My favourites from this section are the Mermaid make up bag, perfectly sized and a great design; and the goals journal.  Whether you are writing your future goals or planning times ahead with family and friends, this is a beautiful notebook to have on your desk.

I hope you like my gift guide and find something for the person in your life this Christmas!

You Are Not Alone

Christmas is supposed to be a happy time of year.  Time to spend with family, friends and loved ones.  Christmas dinner, presents; sitting in front of the TV watching The Snowman.  

For some, Christmas can be the worst time of year.  But there are things that we can do to help.  Make sure our elderly neighbours are OK, maybe visiting them on Christmas Day for an hour to make their day less alone or even inviting them for Christmas dinner.

Remembering that depression is not miraculously cured at Christmas and that people still need your support, or even just your understanding.

If you need help at Christmas, there are people that you can turn to, even if you just need someone to listen.

MIND

Website www.mind.org.uk

Tel No 0300 123 3393

Samaritans

Website www.samaritans.org

Tel No 116 123

Alcoholics Anonymous

Website www.alcoholics-anonymous.org.uk 

Tel No 0800 9177650

Stonewall

Website www.stonewall.org.uk

Info line 08000 50 20 20 

London Lesbian and Gay Switchboard

Tel No 0207 837 7324

SANELine

Website www.sane.org.uk

Tel No 0300 304 7000

Papyrus, Prevention of young suicide

Website www.papyrus-uk.org 

National self-help body for the Transgender community

Beaumont Society

Website http://www.beaumontsociety.org.uk

Information Line 01582 412220

Childline

www.childline.org.uk 

0800 1111

Depression Alliance

Website www.depressionalliance.org

Refuge

Website www.refuge.org.uk

Tel No 0808 2000 247

Beat

Beating eating disorders.

Website https://www.b-eat.co.uk 

Help line 0345 634 1414

Youth Line 0345 634 7650

Shelter

Website www.shelter.org.uk

Tel No 0808 800 4444

NHS Direct

1111

No Panic

Website http://www.nopanic.org.uk 

Tel No 0844 967 4848

Youth helpline 01753 840393

Luxury Gift Guide

This post is the first in a set of two blogs I am writing about giving gifts.  Today I am talking luxury presents and what to buy for the person who has everything.  Tomorrow I will be writing about the kind of personalised gifts that you can make and create yourself.

Today however, we are talking luxury.

"For the Man Who Has Everything"

Men can be hard to buy for when you are looking for a special present and of course it all depends on the personality.  Are they into gadgets, do they like cars, what are their hobbies?  One thing we do know is that men seem to universally love watches.

With this in mind what could be more stylish and sought after than a watch, one that you cannot just be bought off the high street and is a little more rare,

With this in mind I have been looking pre owned Omega watches.  To buy a new one would cost you a few thousand pounds, making it a very, very special present!  You can buy pre owned watches for much cheaper however and I particularly love this one.

This particular watch is from 1944 and costs £775.00.  I love the understated elegance.  It has a classic look that timeless.  I have popped the link above if you want to have a look at the range.

"For the Woman Who Has Everything"

I admit it, women are hard to buy for.  Not because there are a limited amount of things that you can buy us, but because we all like different things and our tastes widely vary.   So for this section I am thinking about what I would like for a luxury gift.

For me, from a great friend or relative, nothing could be better than going away to a luxury spa for the weekend.  My favourite one when I am from (up North!) would be the Titanic Spa. They do a brilliant Mother/Daughter package for £385.00. If the present was coming from a partner, I would love a weekend away in an amazing hotel, perhaps something with a spin like a murder mystery weekend?

"The Couple"

So you are looking for a special present for a couple.  Couples can be hard to buy for as you are buying for two different personalities in one present.  What to buy them?  Vouchers are boring and you cannot buy them furniture!

So what about a wireless speaker system that lets them play music in any room of the house?

These Panasonic Wireless Speakers cost £379.99 and you can use it both for your CD collection but also many other sources such as online subscriptions like Spotify.

"When you really can't decide"

So you have to buy somebody a special gift but there is nothing really singing at you. Perhaps they don't have any main hobbies or perhaps you just can't put your finger on what you think they would like.

When it comes down to this, I do not think that you can go far wrong with a luxury hamper.  They can be personalised as to what you want, they work for any time of year and there are so many to choose from at different price ranges.

I love this Start the Party Hamper from Selfridges which has lots of biscuits, confectionery and alcohol to keep anyone happy!

*This is a collaborative post