Most people want to look beautiful because this makes them feel good and creates a positive impression. Salons and spas provide professional beauty treatments but they charge high prices. For a fraction of the price, consumers can pamper their skin at home and receive results that are just as appealing. Whether they make creams and other treatments or switch suppliers, their wallets should benefit. DIY Skin Treatments Store-bought skin treatments cost anywhere from £4 to more than £20 … [Read more...]

England, Northern Ireland, and Wales celebrate New Year’s Eve on December 31, which is called Hogmanay in Scotland. Regardless of where they live, people plan to say goodbye to the old and hello to the new on this day. Some enjoy a quiet celebration at home involving family, television, and singing Auld Lang Syne. Others host or attend a party complete with food, drinks, and entertainment. Celebrating the new year is fun and fortunately, it does not require a lot of money. Entertaining … [Read more...]

Energy costs money so reducing energy usage has a positive effect on the household budget. There are plenty of ways to adjust energy consumption habits throughout the home. Several of these focus on the bedroom, where we spend the majority of our time sleeping. Learning how to conserve energy in the bedroom all year round helps us save money regardless of the season. Be a smart energy user while you are getting some rest! Year-Round Energy Reduction Tips Turn off all lights in the … [Read more...]

No one wants to leave the house looking frumpy but some budgets are too small to support clothing shopping sprees. Looking stylish does not need to come at a high price so follow these tips when finances are limited. Friends will envy your new wardrobe and wonder how you were able to afford it. Let them in on the secrets as long as they promise not to copy your fabulous style! Sharing Apparel If the closet is filled with beautiful clothing but this apparel has become old news to you, … [Read more...]

‘Tis the season…to watch money fly out of the wallet. If income is not eaten up by Christmas shopping, entertaining can make quick work of it. Many people hesitate to be Christmas dinner hosts because they cannot afford it. Fortunately, it is not necessary to forgo time with family and friends to keep money in the wallet. Food and drink are essentials for Christmas entertaining and with some creativity, the meal can be excellent without overspending. Save money on beverages by mixing an … [Read more...]

We all need to eat and many people enjoy preparing meals at home, which is also a money-saver. The savings do not stop there as reducing fuel consumption is also financially smart. Energy conservation has the added benefit of helping the environment, something many people have made a mission of doing. Learn how to make efficient use of the oven and maximize hob heating. Cooking Techniques To Save Money Preparing several meals at the same time and cooking them in a single session is an … [Read more...]

The cost to attend university is increasing, forcing many parents to save more for the higher education of their children. This can be difficult to do because living expenses are also escalating. With limited money to go around, families must develop a plan for higher education savings. By planning ahead, parents ensure that their children gain the competitive edge that education provides. There are many simple ways to save enough to put a child through university. Even saving money can … [Read more...]

Expenses for common household items add up over the months. Cleaning supplies and other items are necessities so going without them is not possible. However, it is not necessary to pay full price for these items. In some cases, it is not even necessary to pay for them at all. Inexpensive alternatives or reusable substitutions help keep costs low without making sacrifices. Saving money on items like these prevents other, more important bills from going unpaid. Alternatives to Paper … [Read more...]

Many people use coupons and comparison-shopping to save money. However, far fewer really save by placing their hard-earned money into a savings account. Contributing to a savings account is an effective way to avoid spending money unnecessarily. It creates a reserve for emergency expenses and retirement, two things many people are not prepared for financially. Some savings accounts offer the ability to earn money through interest, making savings an even smarter investment. Instant access … [Read more...]

Christmas shopping can be a frustrating task because the number of gift ideas is overwhelming. When finances are limited, getting something for everyone on the gift list without overspending can be almost impossible. Here are some ways to save money without making anyone feel left out of the holiday celebration. Money saved can be applied to pre-existing debt, used to cover emergency expenses, or invested for retirement. Smart Ways to Shop for Gifts Before stepping foot into a store … [Read more...]