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Buying high-quality wet weather gear might seem like an easy enough process, but there are definitely a few things to watch out for. There are a lot of slick-looking products that simply won’t provide the functionality you need, and you’ll have to conduct some good research. There’s no single way to carry out this research, […]
The signs of high-quality to look for when buying wet weather gear Read More »
Summer is the perfect time to break out those fun, flirty, and vibrant mini dresses. Whether you’re headed to a casual brunch, an outdoor concert, or a romantic evening dinner, your summer mini dress can easily transition to suit any event. With just a few styling tweaks and accessory choices, you can make the most
From Day to Night: Versatile Ways to Wear Your Summer Mini Dress Read More »
It’s easy to become lost amidst the ever-changing waves of fashion trends that sweep in each season. But beneath this fleeting façade lies the heart of a well-curated wardrobe: timeless essentials. For families balancing style and budget, recognising the importance of such enduring pieces becomes paramount. Opting for quality doesn’t always mean breaking the bank, but
Timeless Wardrobe Essentials: Knowing When To Splurge On Quality Read More »
How to save money on groceries and food shopping is part of my money-saving series sharing tips and hints gained over the years and from thrifty and frugal people. With the increasing cost of living and the massive rise in inflation, being a savvy shopper and spender has never been more critical. Getting the most
How to Save Money on Groceries and Food Shopping Read More »
With energy prices on the increase, we are all looking for ways to save energy in our homes and these tips to save energy in the bathroom will not only help you save money by reducing your energy bills but also preserve the environment too.
Tips to Save Energy in the Bathroom: Simple Ways to Reduce Consumption and Cut Costs Read More »
I think that the majority of the UK is deeply concerned and anxious about the rising energy costs and other expenses and how we are all going to cope in the coming months and pay our energy bills. There will be lots of people unable to pay their upcoming utility bills and I know that
Rising Costs of Energy and Inability to Pay – An insiders guide Read More »
I have loads of ideas of activities to do with the kids over the summer in our summer activity and bored jar lists, but I also wanted to gather together some ideas for free summer activities that get you out of the house.
15 Free Summer Activities to Enjoy Outdoors – Fun for All Ages Read More »
As a parent we all want to try and save for out children’s futures and even in today’s climate it is worth trying to save for a rainy day. MadDad works in the financial industry so he is my go too guy when it comes to asking about money etc, but I would always suggest that you find an Independent Financial Adviser to help you out with financial planning.
So firstly what is isa season?
In very basic terms it is a six week period in the lead up to when you have to subscribe to your Is, the 5 April 2012 (if you don’t use it, you lose it).
This often means that you can be bombarded with information telling you to open a cash isa on the lead up to this date and if can be very confusing.
So what is an isa?
A Cash isa is a savings accounts where the interest isn’t taxed.
A stocks and share isa is a managed collective investment again where the interest isnt taxed.
Should I prepare for isa season?
I decided to ask MadDad this and he said he would advise anyone to make an appointment with a Independent Financial adviser to discuss this. My first response was that IFA’s are for people with money, to which he told me this isn’t at all true. Many IFA’s get their payment from any investment you make through them or charge a nominal fee and they are perfect for people who are going through major life changes such as parents. They can often take an overview of a situation and help you put your new priorities in perspective.
People often think that isa’s are only for people with money and that they are not something that they can utilise to manage their finances, but again it is often about working smarter not harder and in today’s climate we need to know the best way of making our money work for us.
But don’t take my word for it, go and see a professional!
I would like to invite you to a great Twitter Party being hosted by me and the amazing Penny Golightly, on 28th November between 7.30pm and 8.30pm, all about shopping habits and family treats.
We would love to hear about how you stick to a budget, choose appropriate family rewards, spend your money wisely and if your shopping habits have changed recently compared to previous years.
I know how hard it can be to budget well in the current financial climate and talk a lot about saving money on my other blog A Thrifty Mum. But we really want to hear from you and I hope that together we can share some brilliant top tips that will help us all. Even though I often write about family money saving I still have a lot to learn and I love getting new tips and ideas.
And as if sharing your knowledge and learning new ways of saving money wasn’t enough to tempt you to join in, there’s even going to be prizes!
The party’s being sponsored by Barclaycard and their Freedom Rewards credit card. This new reward card is potentially very useful for organised spenders who pay their balance off every month, as you earn points on everything you spend, that you can then redeem in a range of high street stores (check out www.barclaycard.co.uk/freedomrewards)!
I’d love you to spread the word for us a little – more people joining in with #savvyspender means more money saving tips for us all.
See you there
#savvyspender Twitter Party 28 November 7.30pm to 8.30pm Read More »
