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?

Steps to Take to Stop Unnecessary Buying

Are you the kind of person who discovers when you get home that you’ve managed to buy another leopard print dress that is almost identical to the two you have in your wardrobe? 

If you’ve noticed that somewhere between leaving the tills and taking everything out of your bag that the buzz of purchasing new things has gone, it might be time to start reassessing your spending. Here are some ways to manage your money and start thinking carefully about saving up.

Know What you Have

Take some time to assess your current finances. Work out your incomings and outgoings and look at what you’ve been doing with your disposable income. Look through the things you have already, from the gadgets in your kitchen to the shoes in the hall and note what’s there so you don’t start buying duplicates.

If something unexpected cropped up when you look through your statements from the last six months, alter your spending habits to account for similar sudden expenses in the future. For example, any home repairs or a car breakdown that you had to pay out for.

Once you know what you’re buying, you can start thinking of how you can plan your spending. Is there any way you can forego the morning coffee or the sales at your favourite brand in order to save some money? Making some small amends to how you spend your salary can go a long way to helping you save up.

Buy Things that Last

Do you need to get the latest phone or tablet, or can you hold on to what you have for now? If you’re someone who upgrades your tech as each new version is released, it might be worth investing in gadgets that are built to last a while in order to save money.

Similarly, if you have a dress that you love too much to wear or a car that you daren’t drive, you’re losing money in the long run. This is because you’re more likely to buy a cheaper version of the dress only to throw it away or pay for public transport to save making your car messy. Invest in something that’s high-quality that you’ll use again and again.

Avoid Temptation

If you’re a sucker for a sale or you fill up your lunch breaks by scrolling through promotional emails it might be time to make some changes. Start by unsubscribing to the sites that you know you’ll be most tempted by and try to avoid big events such as the January sales or Black Friday.

Unless you’re a savvy shopper, the bargains you think you’re getting won’t add up if you’re buying things you want rather than things you need. That’s not to say you can’t treat yourself every now and then but get the practical purchases out of the way first. 

Looking for more ways to save money?  Check out SavvyInSomerset for more money saving tips!

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.

How To Cut Down On Your Car Budget

Whether it is needed your daily commute, ferrying the children around to various schools and activities or just for day to day life, a car has become a necessity to 21st century living.  

It does not matter if you live in the suburbs or in the city, a car is a convenience that wins over public transport every time in terms of convenience and speed to destination.  My journey to work for example takes 10 minutes by car, 30 by bus.

I am currently getting back into the car market after a long spell of public transport and I cannot wait to get behind the wheel again.  That said, I am conscious of the costs that come with buying, maintaining and fueling a car so I have been looking around for some tips to help bring down the costs.

Buy Used

If you are looking to be economical and don't want a car that costs the earth, the best thing to do is buy a used car.  I am in the process of looking at second hand cars in Brighton to find a car at an affordable price.

With buying second car, your choices also open up much more and you are more likely to be able to afford a model that you could not afford new, but a version just a few years older that you will love just as much.

Find a Reliable Garage

Whilst in the process of looking for a car, I am also getting advice and tips from friends and family in my locality for a great and reliable garage.  Maintaining your car, making sure that it is serviced regularly and properly (without it having to cost the earth) is one way to keep costs down.

You want to find somewhere that has been recommended by at least three other regular users and look out for comments on pricing etc.

Save on Fuel

Aside from insurance and maintenance, one regular expense for your vehicle is petrol.  There are many ways that you can save money in this area just by following a few of the below tips:

• Slow down - did you know that accordingly to AA research, dropping just 10 miles an hour on speed on the motorway can save you up to 25% in the cost of your fuel?

• Reduce the weight - do you need all the stuff in the boot of your car?  Do actually use that luggage rack on top?  If the answer is no, get rid of it.

• Be economical with the air conditioning.

• Keep an eye on your tyre pressure.

• Drive a manual car - automatic vehicles reportedly use 10 - 15% more fuel than a manual car.

Cut Down on Unnecessary Trips

How many times have you nipped to the shops, the supermarket or local town to buy something, only to return home and remember something that you forgot to buy?  I do it all the time.

To save making unnecessary journeys, pin a simple shopping list on your fridge and keep adding to it.  When you have 5-10 items on the list, go shopping and TAKE THE LIST WITH YOU!

How do you save money on your car budget?

*Collaborative piece

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

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!

3 Tips For Shopping The Sales When You Are Plus Size

I must confess, I am not a fan of shopping in the sales.  Trawling through racks of clothing that have been looked at and rejected by many others before me and jostling for position for that one great item that everyone spots at the same time is not my idea of fun.

That said, the "in the shop" experience is not something that I do, mostly because the nearest shop to cater to my dress size is an hour's travel away.  Which means that 99% of the time, my shopping is online. 

Shopping in the sales online is sooooo much easier and there are many tips and tricks that I have established along the way to ensure that I get the items that I want, for a cheaper price with the minimal time and effort.

Maintain an Offline Shopping Basket

Although I love looking for new clothes, if I am strapped for cash but in need of an item of clothing, there is nothing worse than trawling through a dozen websites and navigating their sales sections.  With this in mind, what I tend to do is whenever I see something I like but cannot yet afford in the regular non sale sections, I note down the link to save for later.

I have a shopping document on my laptop where I note down my favourite items, what they are, the current price and a hyperlink to it.  Sometimes there are just a few items on this list, sometimes dozens when I have a particular event in mind.

Every week I spend around an hour checking out these links to see if any items have gone into the sale.  This technique works particularly well at the end of the season when many items have moved to the sale section.  I don't tend to move with current trends and instead focus more on what I like so I don't worry about what is "in" and "out".

Shopping the Sales in One Go

One of the most frustrating things about shopping in the sales online when you are plus size is the limited options available to you.  You know what I mean.  You hit the sale section, full of hope of finding a bargain.  You click on a section, and then filter to only include your size.  The screen refreshes and you are left with five options.  Four of which you wouldn't dress your grandmother in.

My upgrade version of my offline shopping basket is a site that I have found called LovetheSales that puts together the sales from all the sites and lets you view them all on one website.  Below is a screenshot of a search that I did on the site, filtering down to dresses and my clothing size of 24.

Did you just let out a little "Eeeeeeeek!".  Because I did.  The idea behind the site is that they host all the sale items in one place and then it takes you to the relevant website like Asos or New Look to purchase the item.  Couldn't be simpler!

Look for Discount Codes

This is something that we call should do, but usually forget.  I cannot tell you the amount of times I have shopped on a website, only later to find a 25% discount code that I could have used.  I also have cashback account with a site that I always forget to use.  

By combining items in the sale and discount codes you can often end up with a real bargain and by using my offline method, many of my favourite items have been bought this way.

Do you have any tips for shopping for plus size fashion in the sales?

The Complete Handbag Buyer's Guide

Handbags are a must-have item for every woman. It is a well known fact that the larger your handbag, the more things you find that you absolutely have to put into them. I refer to my previous What's in my Handbag post. But how do you go about choosing the right one?

Decide On The Style

The term ‘handbag’ is actually pretty broad. There are so many different types of bag that fall under this category. Some have more uses than other, some are small, some are wide, some have straps, some have no straps. Saying you want to buy a new handbag is just the beginning, you need to dive into things and decide what style of handbag you’re looking for.

When most people say they need a handbag, they’re usually talking about a bag they can carry with them throughout the day, every day. This really refers to three or four styles in particular; shopper bags, shoulder bags, tote bags, and maybe across the body bags too. These are all great styles if you’re after a bag to use for practical purposes as well as to compliment an outfit. Then, you have smaller varieties that are more aimed towards being a fashion accessory more than anything else. The bottom line is that you need to decide on the style before you start shopping.

Consider How Much You Want To Spend

Setting yourself a handbag budget is a must, as you can easily get carried away and buy something way out of your league just because it looks nice. The budget you choose should be representative of your financial situation, as well as how much usage you’ll get out of the handbag. If you’re buying an everyday handbag, then you can afford to spend a little more as you will get a lot of use out of it.

Also, don’t be fooled into thinking you have to pay top dollar for the best designer brands out there. We have places like Nordstrom Rack that sell designer bags by Marc Jacobs, Rebecca Minkoff, and so much more big brands. Plus, you can probably find Nordstrom Rack coupons to drop the price even further. There are loads of other outlet stores like this that sell expensive bags at much lower prices. Bear that in mind when you’re shopping for your new handbag.

Think About The Brand

Some people think that buying branded handbags is a huge waste of money. However, there is a lot of logic behind buying a more expensive, designer brand, compared to a non-brand that’s very cheap.

For one, designer brands tend to be more expensive as their quality is far greater than other bags out there. This means you can get a handbag that lasts you for years without showing any signs of natural wear and tear. With the cheaper non-brands, you might see issues within a year. So, think about the main designer handbag brands out there.

Although I have not achieved my desire for a designer bag yet, I do have a fund that I saving up in to buy one. Something that is classic, timeless and will hopefully last me many years.

* Collaborative piece

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

Work Handbags

One universal truth is that the bigger the handbag you buy, the more you will find that you absolutely have to have in it.

I remember in the late 90s (yes, that shows my age) going on a night out with nothing more than a purse that held my money and a lipstick.  These days, that list has expanded somewhat.  Phone, purse, lipstick, eyeliner, concealer, pressed powder, face brush, mini brush... Ah, to have my 1990s face complexion!

When it comes to handbags for work however, my tastes have never changed.  I need something that will go with every outfit (a different coloured dress every day could pose a challenge), something to hold the never ending list of things I absolutely need (read not really) to take with me, something that is aesthetically pleasing and timeless.

I am currently looking for an new work handbag so thought that I would show you some the bags currently in contention.

Asos £59.00 

You really cannot go wrong with a black crocodile skin (fake obviously!) handbag.  This is the first handbag I spotted on my search and is high on the list of contenders/

Carvela Winged Tote Bag £49.00

This bag would go with every and I love the simple gold detailing to it.

DunedinCashmere £69.99

This is the most professional looking of the bags I have been looking at.  It would go great with a suit for those days I want to look a little more professional.

John Lewis £33.00

I love the styling of this bag, although on a practical side it is only something that I could use in the Summer months and is cream a good idea when dragging around on the bus every day?

Vivienne Westwood £400.00

Ok, ok, I admit it.  This bag is not in contention.  I cannot afford a £400 bag for work.  But I LOVE it.  I adore everything Vivienne Westwood and I have a major style crash for this bag.  Sadly, it is not meant to be, but at least I can look at the picture.  Sob!

Going through all of the above, I think that the Asos bag is my best bet.  What do you think?

Be a Rebel

My love affair with dresses is well documented on this blog, but the other loves of my life which are not as well documented are shoes.

Shoes work perfectly to complete an outfit and indeed in many cases, can make it or break it.  I love using shoes and boots to edge out an outfit, such as chunky boots with a pretty floral dress or flat sandals to make an outfit more casual yet still chic.  

I thought that I would share with you today some of my favourite shoes from a brand I had recently come across called London Rebel.   I was introduced to London Rebel via the brilliant team at i.LEVEL Software which is a stock management solution company created by fashion experts. They have some amazing brands that they work with which cover shoes, clothes, jewellery, fashion and accessories.

I had a look at London Rebel via Asos and have picked out my favourites for you which cover every base from summery flat to elegant evening shoes.  Amazingly they are all priced at less than £40.00!

1.  Chelsea Boots - £32.00

2.  Dolly Cross Flat Sandals - £30.00

3.  Diane Ankle Strap Sandals - £35.00

4.  Willow Cut Out Shoes - £30.00

5.  T Bar Sandals - £30.00

*This post is in collaboration with I Level Software however all views and choices are my own

Manchester Central Travelodge Review

A couple of weeks ago I decided to take a two day trip to Manchester.  The plan was to do a little sightseeing, some shopping, catch up with a friend and have a few spa treatments.

I booked myself in the Manchester Central Travelodge on Blackfriars Street, Salford as it is in a prime location for everything you could want in a city break hotel.  There is parking available which is cheaper than the usual NCP parking but is also close to bus routes.

Only 5 minutes walk away from all the major shops, including everything from Primark to Michael Kors (all hail those amazing handbags) with lots of eatery places scattered around; the hotel is the perfect location for shopoholics.

Just around the corner from the hotel are the fantastic bars and restaurants in Deansgate and Spinningfields with an easy 5-10 minute stroll back to the hotel after some lovely food and a cocktail or two.   I would recommend The Botanist for cocktails and Gusto for gorgeous Italian fayre or GBK for the best burger in town.

For those looking for some culture too, the hotel is less than a 5 minute walk to Manchester Cathedral, 10 minutes to the Phones 4U Manchester Arena to see the latest musical performer and a 10-15 minutes stroll to the Opera House.

I was booked into one of the business floors at the Travelodge which offer a quiet and relaxing stay, especially with the fantastic new king size beds.  My room was compact but comfortable and had all the usual amenities.

Breakfast at the Travelodge has all the things that you could want including cereals, croissants, yogurts  and of course the hot breakfast together with an array of fruit juices, tea and coffee.  Diane, who was the lady on duty to assist customers was really lovely and helpful; being the perfect combination of chatty, without being intruding.  A plus when you are a sole traveller who wants to feel at ease, but also enjoy a peaceful breakfast.

I thought that I would share with you a few photographs that I snapped during my visit to Manchester Cathedral.  The architecture is simply breathtaking and is definately worth a visit.

I also visited a spa which I will be telling you about in a future blog post as well as as a cocktail bar or two!

*My hotel stay was gifted to me however all opinions are my own