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  1. In the UK, we are fortunate to have a national health service that covers most of our healthcare costs.  Despite the problems that the NHS has these days, few countries around the world offer subsidised healthcare to citizens to the extent that our NHS does in Britain.

    But, the NHS doesn’t cover all of our healthcare costs.  For some people, especially those with a need for regular prescriptions and treatment, there are some costs to bear.  And it’s those costs that can have a significant impact on low-income households.

    If that sounds like a familiar story, the good news is there are some creative ways to save money on your health costs.  Here are a few examples to give you some ideas on what you can do.

  2. Hoping to improve your finances next year? Maybe you’re looking to save for a house deposit or a holiday, or perhaps you’re keen to finally get out of debt. You might just want to make life a little easier by having more expendable income and not running out of money before every payday. Either way, there are things you can do which will help you make the best use of the budget you have, and then add to it too. Here are some ideas!

  3. As we get closer to Christmas, you may be starting to panic about what sort of gifts you should get your friends and loved ones.  You don't even know what you want for Christmas yourself, so why should you know what anyone else wants?

    If you have left your shopping last minute, but still want to buy a present for your loved ones, here are some fantastic last-minute suggestions that will instantly put a smile on their face.

  4. Ad for The Midcounties Co-operative 1Change campaign – all words and opinions are my own.

    Our planet is literally suffocating from the amount of single-use plastic we are using and discarding on a daily basis.  It is killing animals, polluting our oceans and even poisoning us.

    Now we are aware of the destruction and damage this product has upon planet Earth, it’s more important than ever for us to curb our plastic-loving habits.  It’s time to replace single-use plastic with something more sustainable to protect our health and future.

    I recently undertook a challenge with The Midcounties Co-operative to see if I could reduce my plastic use in 60 seconds.  The campaign is about making 1Change in 1Minute.

    Reducing single-use plastic and helping our planet doesn’t need to be overwhelming or take time to implement.  We can make better choices in a minute or less every single day.

  5. Skiing and snowboarding breaks have got a name for themselves in the travel sphere as being an expensive holiday. We’re here to demystify this statement! Too many people are missing out on the magical and majestic mountains by thinking a ski holiday is out of their price range. There are many top resorts, and accommodation providers, in the French Alps who offer holidays to suit the budget-savvy traveller.  Read on for lots of insider tips for how to plan a ski break on a budget.

  6. My phone is filled with receipt snapping apps, supermarket coupon apps and UK cashback apps.  I absolutely love them!  They help me to save money on our weekly food shopping bills and some of them even put cash back into my pocket.  One of my favourite grocery cashback / coupon apps is called GreenJinn.  In this blog post I will share my review of the free money-saving GreenJinn app.

  7. Although it is lovely to hire outside help to tackle your home improvements and decorating, there will no doubt be quite a high cost. Some of the work can be quite specialised and you may need to hire professionals for certain jobs, especially electrics and plumbing.  But if you are quite handy then a lot of the other stuff you can learn to do yourself. 

  8. If you are currently going through a dark patch with regard to your freelance life, you might need to remind yourself of just why it is such a great way to live. The truth is that working from home is one of the best ways to work, and it is a good idea to try and bear that in mind if you start to have doubts about it.

    One way to do that is to think about some of the ways in which working from home is always going to be better than working in an office. You might find that this can help you to spur yourself on when things are looking tough, so it’s a useful thing to be able to do.

    In this post, we will look at some of the reasons that working from home is better than office work - so let’s take a look now.

  9. This week FFS very kindly sent me their new limited edition Lily razor handle to check out.  It’s a new chrome silver and teal blue handle which is engraved with my name!  I’m already a big fan of Friction Free Shaving (FFS) and both me and my husband use their razors and are signed up to their razor subscription.  FFS also help us in our quest to make our bathroom zero-waste and to reduce single-use items.  In this blog post I will explain how the FFS subscription works and why it’s an eco-friendly option.  Read on for my newest FFS razor review.

  10. If you’re looking for apps that pay you to play games, then I have one to share with you today.  Money App is a ‘get paid to’ style app that will pay you real cash for playing games and completing other tasks.  You can even make money just for checking into the app each day! 

    Read on to discover more about Money App where you can play games for real money.  I also have a referral code so you can get some free Money App credits!

  11. If you’re a creative person, there’s no reason why you shouldn’t be using your creative ways to make money online. There are so many ways of doing it, no matter where your skills lie.  So many people are already making money at home, whether that’s as a side hustle or earning a full-time living thanks to their creativity.  In this blog post I’ll share some tips on how you can use your own creativity to make money online.

  12. Read on to learn how to start gardening on a budget.  People choose to start a garden for a number of reasons – a need for physical activity, a desire to organically reduce the amount of stress in their lives, the drive to get outside more and connect with nature or maybe it’s because they want to reduce their monthly food bills by growing their own vegetables, fruits and herbs

    Whatever the reason, gardening is becoming more and more common in urban and inner-city neighbourhoods. Whether you have the space for large, raised garden beds or you are living in an apartment building but want to start a vertical garden; gardening can truly happen anywhere.

  13. Recently, when Ben was still at his employed job, we were seriously discussing him getting a scooter to commute to work.  We both have cars and one of our biggest expenses each month was Ben’s fuel costs.  We spent around £150 just on his fuel to get to work and back each day!

    Add in some supermarket shops, B&Q visits and trips to friends and family (even just locally) and we were usually filling his tank three times per month at a cost of £200.  It was one of our biggest outgoings every month and we were looking for how to cut car costs.  This is when Ben seriously began to consider a scooter!

  14. Advertising is everywhere.  We can’t escape it.  Even if you don’t watch the TV, listen to the radio or read newspapers, you will still be bombarded with advertising just by walking down the street!  It’s on buses, bus stops, road sides, buildings and even cars.

    On one hand it’s can be a good thing.  It lets us know about a product or service that could be of interest to us.  We might not stumble across this useful product by ourselves if it hadn’t of been for the advertisement.  But on the other hand we can be coerced into buying products we don’t really need, but think we need.  It can result in us wasting money or thinking we need to afford lifestyles that we, well, can’t afford.

    In a nutshell, advertising as we now know it is about manipulating the consumer. This is down to the fact that advertisers no longer care about the consumers but instead, they are driven by results and money.