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Top tips to Saving Energy at home

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Top tips to Saving Energy at home

Energy saving in your home After moving house recently, we’ve been in overdrive with energy saving. There’s been a new system to get used to, we’re now on electric only so no gas usage at all, and as it’s known that that gas is generally cheaper I’ve insisted on everyone in the family keeping an eye on their own use of electric.   So here’s some ideas to help you create the best energy effective household too.   Lighting Energy efficient lighting is generally accepted as norm nowadays. We only use the low energy lightbulbs, yes they can take...

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Save 33% at Toby Carvery

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Save 33% at Toby Carvery

Save 33% at Toby Carvery We use our local Toby Carvery quite often and using our AA membership card have always got a useful 20% off. However last week we were made aware of the Toby Carvery App that gives you an impressive 33% off when you spend over £15 on food. The only downside is that it’s not available on Sunday. But it does give you other benefits like sporadic free desserts and the like so it’s worthwhile. Just download the app, for free and show the waiter the code and it comes straight off your bill. It’s really...

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Free books to download

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Free books to download

Did you know that by using a clever app you can download library books and audio books for free? It’s been possible for some time using a service called Overdrive but in all honesty it’s not been hugely user friendly. I consider myself to be moderately tech savvy and I have to admit whenever I’ve used it I’ve scratched my head trying to remember how. I have always persevered though because the audio books in particular are great for long journeys, the last one we had on a 4 hour-that-turned-into-an-8-hour trip to...

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5 tips for teaching kids about finance

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5 tips for teaching kids about finance

Teaching kids about finance Money can be a difficult subject in any situation as it’s often associated with headaches for various reasons from paying the mortgage, energy bills, council tax, to putting fuel in your car….  so it’s the last thing we want to talk to our kids about. Our children learn all about English, Science, art and Maths but how much does algebra or calculating the area of a trapezium help for future day to day issues? At some point in their adult life they will have to make financial decisions, so giving them skills as a...

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The beginners guide to managing your money: How to budget

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The beginners guide to managing your money: How to budget

The beginners guide to managing your money: How to budget Budgeting – for some it might feel like a dirty word as they consider money to be something they work hard for and therefore can spend, but at the end of the month might find themselves out of pocket. If you’ve been looking for a new way to manage your money, start with budgeting. Here’s how… Look at previous bank statements to see what you are spending your money on. Are there direct debits going out that you aren’t sure are still needed? Budgeting is all about making the most...

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Top tips for investing your money in property

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Top tips for investing your money in property

Top tips for investing your money in property This year is a great one to start considering investing money in property and with so many buy-to-let opportunities or quick sales available now, you’d be mad not to try and secure somewhere to make some money from. Whether it’s a fixer upper or somewhere that just needs a spruce up before selling on, if you’re buying to let or simply want to make some profit on the sale, here are some top tips for when it comes to investing your money in property: Have all the correct surveys done No one wants to...

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Canary home security review

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Canary home security review

Canary home security review January 2016 Home security is always an issue for us, and when we start a family the issue seems considerably more important; how can I best protect my family, how do I protect the house when we’re not there? What protection is available, and what’s the best I can afford? Cost, these days it’s what we all think about, we all want the best protection but the issue of paying for it can be prohibitive, so we question how much are our homes are actually at risk? Sadly we never know until we find out the hard way that...

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5 Ways To Save Money While Selling Your Home

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5 Ways To Save Money While Selling Your Home

5 Ways To Save Money While Selling Your Home Selling your home is no cheap task, requiring investment on your part to ensure your home is in good order for those viewers, as well as numerous fees that must be paid to estate agents and solicitors throughout the process. Here are five ways to save money while selling your home: 1. Avoid estate agents These guys take a 1-3% cut off your sale, as well as asking for some hefty fees to be paid too, so why not just cut them out completely? Talk to a company such as We Buy Any Home, whose sole...

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6 money saving tips when buying a new home

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6 money saving tips when buying a new home

6 money saving tips when buying a new home Buying a house is a notoriously stressful and expensive experience. The sheer cost involved means that you need to keep a close eye on every pound you spend to avoid being stretched beyond your means. To ease the stress on your mind and the strain on your bank account, check out these six money saving tips that can help… Research: Forewarned is forearmed, or so the saying goes. Enter into a house purchase with your eyes wide open by doing plenty of research in advance. Tools online will show you an...

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Cutting the cost as a wedding guest

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Cutting the cost as a wedding guest

Some interesting facts found me this week and with a wedding to attend in just 2 weeks, it’s come at a great time.  It’s not a close friend’s wedding although I do like the couple a great deal, but I’m not a ceremony guest. I’ve had a few weddings recently and I often wonder about the protocol in gift buying, if it’s a close friend and you’re off to the whole shebang then you’ll be more likely to want to buy a great and possibly expensive gift but not so much when you’re a ‘periphery pal’. So what’s the protocol? You don’t want to come over...

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