Wednesday, 20 October 2021

Christmas Gift Guide 2021

 Christmas Gift Guide 2021


Well with another uncertain Christmas approaching with shortages predicted, I though I would bring you a few ideas to get you ahead of the game, I am always looking at ideas for gifts that suit somebody's lifestyle and personality, no matter how big or small i think the thought is worth so much more. 


Firstly the eco friendly gifts as we are so much more aware of the cost to our planet in regard to the food we buy and the items we purchase so any opportunity to give a gift that also gives back is always a winner - 

Vegan Bunny candles are beautifully packaged in eco friendly packaging and for each purchase a tree is planted, Vegan Bunny was born with a Vegan mindset evolving into a plastic free, carbon neutral & reduced marketing concept. The candles are made with natural ingredients, natural waxes & pure essential oils free from toxic artificial fragrances, Zinc and Pesticides. The main ingredient in every tin is 'Love'. These candles smell divine and knowing they are doing thier bit to be eco friendly adds an extra warm glow!


For the mum to be how about this gorgeous Birthing essential gift pack from the Natural birthing company, designed by midwives for the mum to be, it contains a cooling body spray, sleepy mama pillow mist, bottoms up soothing bottom spray and relax and breathe massage oil to help unwind and relax. a perfect gift to help mum to be relax and prepare for her new arrival. 




For the curly girls out there, I can vouch for how hard it is to get products just to moisturise and detangle a wild mane! but with these fab products from Only Curls you can  not only achieve that but also super amazing naturally lightweight looking curls full of bounce and it leaves you hair smelling amazing, they have a fab starter set which would make the ideal gift for those that want to give the gift of beautiful healthy curls this xmas!





For the youngsters amongst us (or the young at heart) then how about this Grit Atom stunt scooter, with height adjustable settings to allow growth for all ages! It is lightweight so easy to pick up and go and allows for younger riders to develop stunts and skills without weight being an issue. Encouraging our children to get up and out is as important as ever after so much time locked down so what better gift to enable hours of fun and fresh air. 




An all time favourite gift I like to give is something from Bayliss and Harding, something that is always well received and beautifully presented like this gift set from their fuzzy duck collection. This beautiful Winter Wonderland Luxury Candle Gift Set contains festively fragranced Mulberry & Mistletoe, Frosted Cranberry and Gin & Tonic indulgent toiletries, with an opulent scented candle. A truly amazing assortment of festive and botanical fragrances to get us in the xmas spirit!


During these last twelve months or so I have really admired the innovation of people to make changes and adapt to current situations of job losses, reduced income and to find ways through lockdowns and beyond. To see so many people using initiative so start online businesses alongside jobs to boost income, or a whole new adventure is inspiring, one of my favourite of such is Blissful Alchemy who make the most amazing, original smelling wax melts and much more too including an assortment of burners, gift sets, tote bags and key fobs. Again Vegan, eco friendly and handmade, all perfectly packaged so make the most gorgeous looking (and smelling) gifts this Xmas



How about a gift that keeps on giving beyond Xmas!  how about a subscription service from Bloom and Wild florists, flowers delivered every month to your door, packaged in handy letterbox sized boxes to make delivery hassle free! The flowers arrive well packaged and protected for you to arrange in your favourite vase, they arrive 'sleeping' but soon come to life to give the most beautiful natural looking flower arrangements, there are plenty of different blooms to choose from to suit any persons taste



Another break away from the traditional gift is a gift of membership, as a family we have been members of the National Trust for a few years enjoying hours of adventure, strolls and always learning something new along the way. We have found many a hidden gem on our trips away that we simply would never have thought to visit. A gift of yearly membership is something we have given and will give again as it gives loved ones a gift they can enjoy over and over again. 




Lastly how about a little gift just for you? We are so busy planning the perfect Xmas for everyone else why not treat ourselves! Are you heading out to a Xmas functions or even a Winter wedding! Then why not let someone else pamper you and take away the stress by having a make over, another talented young business woman i have watched grow through lockdown and beyond is Sidni Leigh MUA a hugely talented young lady that has grown and established herself as a make up artist, her work is amazing and personal to every client she works with, go check out her work and get yourself glammed up for the party season!



Wishing you all a happy, healthy Christmas and exciting new adventures for the coming year!

Tuesday, 24 November 2020

Getting Some Extra Cash Doesn't Have To Be Difficult


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Has it gotten to the end of the month and you wish that you just had a little bit of extra cash? We’ve all been there sometimes, and while it’s never a fun place to be, you’ll get through it. Everyone gets through the hard times in their life, and it doesn’t have to be all that tough to get the cash you need as long as you are willing to do what it takes. In this article, we’re going to be looking at some of the ways that you can get a little extra cash. If you want to find out more about this topic, keep reading down below.


Invest


The first thing that we’re going to look at is investing. Anybody can invest, it’s not just for businesses and those who have knowledge of the markets. Of course, the more knowledge you have, the better it is going to be for you, but it’s not essential. Besides, you can always hire someone to teach you how to invest, or you can hire someone to invest on your behalf. It’s entirely up to you. You have to realize though that any investment is a gamble and you could lose your money rather than making more. It’s the risk you take, so make sure it’s worth it. 


You must make sure that you are never investing money that you are not willing to lose. There are so many different markets that you can trade in, so make sure you have an understanding of what would be best for you. Is it Forex Trading? Stocks? Real Estate? Check out all the possibilities and then make a choice.


Side Hustle


Another thing that you can do is start a side hustle. This is something that you do alongside your job just to get yourself some extra income. It should be totally flexible so that it can work around your work schedule and any other commitments that you have. For example, dog walking is a great example of a side hustle. You get to spend your time with cute dogs, getting in your daily exercise, and you get paid for it! Or, you could think about childminding. People are always looking for someone to look after their children while they have important things to tend to, and if you have the right qualifications, why not?


Budget Better


Finally, it might simply be a case of budgeting better. In some cases, if you can budget more effectively, this will free up some funds for you. It’s likely the case that you’re spending the spare money so fast that you don’t even realize you had it. This needs to stop, especially if you don’t want to look into any other options of getting more money. Sit down and work out exactly how much left over money you should have, and then figure out what you’re spending it on. Cut down on this and voila, you’ve got some extra cash.


We hope that you have found this article helpful, and now have a better understanding as to how you can get some extra cash. As you can see, it doesn’t have to be difficult, you’ve just got to look in the right places.


Thursday, 22 October 2020

Preparing Your Finances For A Second Lockdown

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As expected, the economy is due to take another hit this winter as a second Coronavirus spike rolls around. With half of the country in Tier 2 or 3 restrictions, it won’t be long before businesses go back to the March, April, and May way of working. Everything might be fine as you could escape furlough and work remotely until next year. Still, it’s a sound financial decision to get your finances in order just in case the worst happens.


If you’re not sure how to do it, don’t worry because it’s pretty simple. Here is a selection of top tips to help.


Build A Cash Buffer


Building a buffer doesn’t only mean adding to your emergency fund. If you can, great, but if you can’t, try and reduce your outgoings by paying off debts. That way, you’ll have fewer contributions and more disposable income to use in hard times. Of course, if your resources aren’t extensive enough, there are payday loans and credit card offers to help you out in a pinch. All you have to remember is that you should only borrow what you can afford. You’ll never regret having a rainy day fund as you can use the money for other things!


Apply For Benefit Schemes


There is more information about benefit schemes being released daily, so it’s essential to keep an eye on the news. Many of the benefits are grants that you don’t have to pay back. The only thing is, they are taxable and need adding to your return at the start of the new tax year. Still, it’s better to have the money now and pay a little more to HMRC down the line than struggle to make ends meet. The retention packages range between 70% and 80% of your wages up to £2,500, so they’re useful.


Tweak Your Pension


Considering you need around £30,000 for a comfortable retirement, you might have multiple pensions on-the-go. While this is smart saving for the future and commendable, it’s probably not your number one concern right now. After all, it’s easy to overpay during stable periods, which means you’re overpaying in a crisis until you tweak your contributions. Thankfully, you can opt-out for a specific amount of time or lower your pension outgoings until you’re in a position to restart. Alternatively, you can consolidate them into one place so that they’re easier to manage.


Try A Mortgage Holiday


Mortgage and rent holidays are designed to give you space, like this year’s tax break. It’s better to continue paying your bills in an ideal world as you’ll only have to tackle them head-on later. Still, if you’re worried about your finances, it could be healthier to set them aside from a couple of months and focus on more pressing bills. As long as you understand your arrears won’t be wiped off, a holiday can work well as it relieves the pressure and offers alternative options.


Are you ready for a second lockdown, socially and financially?