Right on the money: Sensible advice to save you cash

right on the moneyI have been watching an excellent TV programme In the mornings recently called Right on the Money. It is usually on during the day when I am at work but seems to be repeated the following day at 6.30am on BBC2. I watch it whilst I am getting ready for work!

I have just discovered this but found it features really sensible advice and information for those who are looking for ways to save money.  Sometimes I find such programmes are rather patronising and aimed at people so clueless there is nothing to learn if you are already pretty careful with your finances. Right on the Money is different and interesting, with really original content.

So far this week I have discovered the following:

Property guardianship

You can save huge amounts of money on rent if you become a property guardian. This involves paying a reduced rent to live in a disused building in return for some maintenance duties. The downside is that you only get one month’s notice of your landlord wants the property back. Not a solution for families but nevertheless such a great idea!

Nocturnal shopping

There is something known as the ‘vampire economy’. There are a whole host of nocturnal Internet shoppers who relax by spending their time and cash on the sofa or in bed buying stuff. I know a lot of people shop for leisure in town or at the mall at the weekend but hadn’t appreciated this happened online so much. I tend to buy things because I need them, not for fun. I don’t have enough spare cash for that to be a hobby!

Beware contactless spending

It is very easy to spend a lot of money using contactless payments. A coffee, here, a magazine there, a music download…they can soon add up. Contactless is easy and convenient, but because it doesn’t feel as if you are spending real money it can be hard to track.

Young entrepreneurs

There are many kids out there earning excellent money running their own businesses. There is 15 year old Harvey, who started a business designing and selling tax disc reminders. He invested his profits in land to create a campsite but ended up selling it for millions to a developer! Fourteen year old Angel sells animal fashion accessories that she makes herself and owns two shops. Then there is 13 year old Henry, who writes books and designs a range of children’s products based on those. Amazing and totally inspiring! They did make me feel a bit of a failure though. Ho hum.

Right on the Money!

It really is a great programme and worth watching on catch up of you can. Even us seasoned money savers can learn something. If you can’t watch Right on the Money, check out the website for loads of hints and tips on saving your dosh!

Five frugal things: 16th July 2017

five frugal thingsAs I was on holiday last week you may be surprised to learn that I have easily achieved five frugal things.  Our week in our lovely Welsh retreat was a bargain vacation after all!!

Frugal achievement no. 1: Eating in

It would be easy to eat out a lot on holiday. We rarely do, usually allowing ourselves just the one restaurant meal. We had a delicious one when we went to Anglesey and I was more than happy to pay for the lovely food and excellent service. The rest of the time we treated ourselves to yummy meals in, buying Welsh lamb a couple of times as it really is excellent quality. Not cheap, but much more so than eating out. We had new potatoes and home grown vegetables we had taken with us alongside whatever we bought.

Frugal achievement no 2: Picnics all the way

five frugal thingsEvery day we made ourselves a flask and some sandwiches to take out with us. A couple of times we found some yellow stickered reductions and took those out with us the day after. I know people get nervous about going over best before dates, but it was only a day and we kept everything cold in the fridge and the cool bag. I think if you use your common sense and the food looks and smells fresh, it is usually perfectly edible and delicious. One day we got our picnic for less than £1!

Frugal achievement no 3: Kitting myself out for work

I find it hard to pass a charity shop and we went into lots of them in Aberystwyth. Poor Mr S was running out of patience with my by the end of the holiday! However, as well as finding some bargains to resell on eBay, I found two skirts and a top for work. The grand total? £6. You can’t do much better than that for a bargain.

Frugal achievement no 4: Finding free trips out

We did pay for some days out whilst we were away, most notably the wonderful Plas Cadnant Gardens in Anglesey. However, we also found lots of free attractions. The Museum of Modern Art in Machynlleth was very interesting, when the sun shone we went to the beach and the RSPB South Stack nature reserve also cost us nothing. A walk along the beach or in the woods is always a joy and you get both for free.

Frugal achievement no 5: Using the library

One very wet day in Wales we went and sat in the library where we took advantage of the free wi-fi, magazines and newspapers on offer. I am all for using libraries wherever and whenever possible as the more people that do, the less likely the local authority is to close them. It was really interesting to see the range and number of people coming in to borrow books and use the computers.

Now we are home I need to think about some post holiday money saving so may need to find more than five frugal things each week! We may have had a frugal week compared to other people on their holidays, but Wales is a long way from us and the petrol cost a lot, we bought a few gifts for the girls and spent more on food than we normally would. So, this week, we will mostly be eating…..courgettes!

How about you? Have you managed five frugal things?

I’m linking up with this Cass, Emma and Becky in this week’s ‘Five Fabulously Frugal things I’ve done this week’ linky. Hop over to their sites to see their five frugal things and the other bloggers taking part this week.

 

 

 

Five Frugal Things I have achieved this week, 30th June 2017

Thanks for all the comments on my last post about frugal holidays. I loved the idea of a monastic retreat, as suggested by Kirrie, and Julia’s information about university accommodation. I can see myself trying both of these.

Five frugal things

I guess it’s time for the weekly frugal round up – five frugal things. So what have my frugal achievements been?

No. 1: Getting creative with courgettes

Courgette season is well and truly upon us here at Shoestring Cottage. The veggie patch is looking very productive and healthy, even though we did scale it back this year.  So far we have eaten them fried in butter with garlic, as a ratatouille with tomatoes and peppers and spiced with some cumin. Tonight we had courgette surprise, the surprise being we had broad beans instead .

No. 2: Preserving our fruit

Another crop that is doing well is the currants: red and black. I am picking and freezing them for now and have 2lb so far. When I get to 6lb I will make a batch of currant jelly. I love this!

No 3: Eating from the larder

We ate from the larder all last week as part of my no spend week. As we still had stocks of food,  this continued over the weekend until Monday, when I finally went shopping. However, I still want to clear some foods that have been hanging around a bit. Darling daughter works at the Co-op, and frequently brings little yellow stickered treats home. She sticks them in the freezer and seems to forget about them! I have been working my way through lots of sandwich thins for lunch and little brioche buns for breakfast.

No. 4: Home made stock and soup

I made chicken stock using 3 carcasses from the freezer, then turned this into a hearty chicken and veg soup. This was prompted by my lodger, who roasted a chicken and was about to throw so much of it away because she couldn’t be bothered to pull all the little scraps of meat off. I could! It also gave me a reason to use up all the veg in the bottom of the fridge.

5.  Frugal exercise

I have been getting up half an hour earlier to make sure I have time for my morning yoga before work. This makes such a huge difference to how I feel and allows time for all the other things I have to do after work, like the garden! It costs me nothing to unroll my mat and do a few salute to the suns! Who needs an expensive gym membership?

Have you managed five frugal things this week? Maybe you have achieved even more! Please share.

I’m linking up with this Cass, Emma and Becky in this week’s ‘Five Fabulously Frugal things I’ve done this week’ linky.

No spend week update – how was yours?

Broadstairs

On the beach at Broadstairs

No spend week hangover

We came to the end of our no spend week yesterday. I don’t find it difficult generally, especially when I am at work,  as there is little temptation. It really helps my bank balance. You don’t always spot the steady drip, drip of money out of your purse, even when you think you are being quite frugal!

Doing a no spend week or month tends to carry over. I find I get out of the habit of spending money. I do need to go and buy new smart sandals at some point. They fell apart over the weekend. I had to hold them on my foot with a hair band I found on the floor and hobble home! I have my walking sandals, which will do until I get round to it.

What the Dickens?

No spend week

Celebrating the end of no spend week!

We drove to Broadstairs on Friday night to pick up my parents and aunt. They had the most fabulous sunny week there and said they could have been abroad. We stayed in their rented house overnight and came back to Essex after lunch on Saturday.

It seems a rather nice town with a gorgeous sandy beach. They were fortunate in being there for the annual Dickens festival. They hadn’t planned this and were initially a bit confused that the local folk were wandering round in period dress!

We only had a few hours for a wander but it is a lovely bit of coast line with an interesting history (as well as the Dickens connection, it is known as Viking Bay). Broadstairs could be one to revisit I think.

Lunch ‘out’

My parents treated us to lunch to thank us for collecting them. I am obviously their frugal daughter though, as lunch out meant pie or fish and chips on a bench overlooking the sea! We retreated to the car when the weather broke and it started to rain. Typical English seaside experience.

Both my mum and dad had big operations earlier in the year, within two weeks of each other. My mum had a hip replacement and dad had a stent fitted on his aortic aneurism. It was all rather stressful and worrying at the time so it is nice to see them up and about now. Even though they don’t drive long distances as they used to, they don’t let anything get in the way of living their lives to the full.

Frugal soup

I rescued a chicken carcass with a ton of meat on it from my lodger in the week. She was going to bin it! I stripped off the chicken and froze it, then got another couple of carcasses I had saved from the freezer to make a big pot of stock. Today it will be transformed into a hearty chicken and vegetable soup. I hate waste! This will get another frugal week off to a good start.

I need to do a shopping list and meal plan for the week. I spent barely anything on food last week, less than £20. Now we have broad beans and courgettes ready in the garden so I won’t need to buy much veg.

Has anyone else been on a no spend week? How have you done?

Need to save money? How about a no spend week?

no spend week

Beautiful Wrabness

Yesterday kicked off our latest no spend week. Earlier in the year we did a couple of no spend months. We only spent money on essentials such as food and petrol (plus the usual household bills, of course).

As well as being helpful for the bank balance, not buying anything is strangely liberating. Setting myself strict limits on what I can purchase takes away any temptations! There are no internal debates on whether I can afford something, I am just not buying it because I am on a no spend period. I get on with enjoying stuff that is free and using what I already have.

Why we need a no spend week

no spend week

Life’s a beach

As we have had a lot of expense this month,  a no spend week is a good idea and will take us up to pay day without going overdrawn or dipping into the reserves. 

The rules are the same as for no spend months.  We will only spend money on essentials.  Next week we shouldn’t need to spend anything at all, not even on food. We have plenty in the cupboards that needs to be used so it will be an eat from the larder week. We have milk, bread, cat food, tea bags and petrol, as well as plenty of food in the fridge and freezer.

A day out for free to kick off no spend week

no spend week

Mr S takes a dip

Yesterday we had a free day out in the sunshine, bar the cost of the petrol. We had to drop my daughter at a friend’s in Mistley for a barbecue, so we drove across to Wrabness after for a walk on the beach and a swim. The water was so calm, clear and warm, we could have been on the Mediterranean somewhere.  The beach huts at Wrabness are rather luxurious – more like chalets than beach huts really and it looks as if people are allowed to sleep in them. I bet they cost an absolute fortune! But we took some drinks and snacks and spent no money at all. Days out don’t need to cost an arm and a leg, especially when the weather is so hot. We are very lucky to have so many beautiful coastal areas within half an hour’s drive.

 

Is anyone else on a no spend week (or month)? Do you do regular no spend days? How do you motivate yourself and what do you do to stop yourself spending?

Five Frugal Things I have Done this Week 16th June

Five frugal thingsI haven’t spent too much this week, in preparation for next week. This will be strictly NO SPEND. I intend to buy nothing except essentials. I won’t even be doing a food shop, apart from cat food, loo roll and some vegetables. It has been an expensive month overall, so I need to do at least five frugal things every week!

Frugal thing no. 1

I popped into Sainsbury’s after 9 pm one evening to check out the yellow stickers. They didn’t have much that I wanted but I did buy some reduced mince and some bread. There is no point in purchasing yellow sticker items if you then waste them! Both have been frozen. I find that my freezer is essential when it comes to money saving, not just for freezing bargains, but also leftovers, batch cooked meals, poultry carcasses for making stock, left over bread for puddings and breadcrumbs, the fruit and vegetables that we grow in the garden and home-made soup.

Frugal thing no. 2

I have listed a ton of stuff on eBay and Facebook and sold 5 items this week. A nice gent came out to take the old cross trainer that has been sitting unused in the shed for 2 years. I let him have it for free so it didn’t generate any income, but it did save me the petrol and hassle of getting it to the tip! He was very happy with it. Generally, I am finding Facebook is more useful that the local Freecycle group at getting rid of stuff lately and easier to use. Selling on eBay is becoming a regular in my five frugal things round up!

Frugal thing no. 3

We have been carefully tending our veg patch and greenhouse. It has needed watering most days as it has been so hot and dry. The watering and weeding is paying off now. We have black and redcurrants just ripening and should have courgettes and broad beans ready for next week. That will bring the shopping bill down. I love eating our own produce!

Frugal thing no. 4

When I was a polling clerk the other week I carefully kept the cardboard backing and excess paper from each book of ballot papers. This caused some amusement and bemusement amongst my colleagues, but I explained that they would come in handy for writing notes and shopping lists. They really have. This week I used a couple of them to write my meal plan, the shopping list and a to-do list for darling daughter, who has been at home a lot. I hate throwing things away when they could be useful!

Frugal thing no. 5

We needed to find a good deal on the house insurance. I did some research on the internet to find a company that would be happy to insure us for buildings and contents even though we have a lodger. A surprising number won’t consider it although I got some very high quotes from a couple of companies who were happy to. However, the best deal was with Quote Me Happy. It was quick and easy as it was all done online instantly. They allow up to 6 lodgers. I am happy with just the one! it is always worth shopping around.

I am getting a bit of frugal inspiration for my no spend week by re-reading How I Lived a Year on Just a Pound a Day by Kath Kelly (my affiliate link). I intend to add this to my Frugal Bookshelf next week. Such a great book! I borrowed it in paperback form when I originally read it years ago, but now Amazon have it on Kindle for only £2.08. Bargain!

I’m linking up with this Cass, Emma and Becky in this week’s ‘Five Fabulously Frugal things I’ve done this week’ linky. Check out their five frugal things!

Why you Should Make a Meal of Leftovers

LeftoversI was shattered when I got home from work yesterday, so I was happy to have a quick and easy dinner planned. Jacket potatoes with leftovers from the freezer; in this case some bolognese sauce and/or beef casserole. It may sound an odd combination but it was filling and tasty. A can of Smart Price sweetcorn ensured at least one of our five a day. With a little planning it is so easy to make a meal of leftovers.

How to make a meal of leftovers

I rarely throw food away. Even small amounts of mash or veg can be frozen to use to thicken soups and stews. Wrinkled apples make an excellent puree to mix with yogurt or serve with custard. Bread pudding is better made with stale bread (and I use the crusts). I also whizz up slightly stale bread into breadcrumbs and leave a bag in the freezer – you never know when you might need these. If yogurts are getting near their use by date I freeze them – when the kids were small I would put a lolly stick in the bottom of small fromage frais pots for a treat on a warm day. If I roast a chicken I usually deliberately get a larger one than I need and turn the excess into curry or make a creamy chicken pasta sauce. The carcass goes back into the freezer and when I have a couple I make stock.

Ignore best before dates

I ignore best before dates (and frequently buy from Approved Food, which sells food near or past its best before date at a hugely reduced price. In addition, I use my eyes and nose before chucking anything out that has a use by date. If you use my referral link I will earn a small commission.

I shop with a list and always have at least a week’s meal plans, so I don’t buy food that won’t be used. I do a regular stock take of my fridge, freezer and larder to see what needs using up, then plan meals around what is there. If I am working late, my plan will take that into account and I will either throw a meal together in the slow cooker or defrost something from the freezer. This way I am never tempted to get a take away when I get home late and tired. We will also eat something healthy.

I never guess how much rice or pasta to cook – I always measure 3 ounces of pasta and 2-3 ounces of rice, depending on how hungry we are. Sometimes I cook too much on purpose so that I can take some for lunch the following day.

Love Food Hate Waste

It is shocking what people throw away, not just because it is a waste of money, but because it seems immoral to be so cavalier about food when so many people in the world don’t have enough. There is lots of information, guidance on how to avoid wasting food and recipes at Love Food Hate Waste.

If you have stale bread to use up, here is my favourite bread pudding recipe, from my trusty and ancient Cranks Recipe Book. They don’t sell this fab book any more but Amazon has the one below, which according to the reviews has a fab selection of classics from the original (disclaimer – this is an affiliate link).

Spiced Bread Pudding (I always double up this quantity – it gets scoffed very quickly)

Stale bread, 8 oz (225g); half a pint of milk (284ml); mixed dried fruit 4 oz (100g); grated butter 2 oz (50g); brown sugar 4 oz (100g); mixed spice 1 tbsp (15ml); 1 egg; 4 tbsp milk (60ml); pinch of ground nutmeg

Break up the bread and place in a mixing bowl with the milk. Leave to soak. Add the dried fruit, butter, suga and mixed spice. Beat well. Whisk together the egg and milk and add to the bread mixture. Turn into a greased shallow ovenproof dish, level the surface and sprinkle with ground nutmeg. Bake at 180 C (350F/Gas mark 4) for about 45 minutes, until set (in my fan oven 35 minutes will do). Really delicious!!

There are more ideas for how you can make a meal from your leftovers, here, here and here.

 

Why are you always broke? How to change your spending habits

Why are you always broke?

‘I don’t know, I hardly buy anything!’ Some people are broke because they genuinely have very little money coming in each month. Maybe they live on benefits or have to support a large family on the minimum wage. However, in my experience there are many people out there who claim they have no money and can’t save who have decent jobs and salaries. Perhaps you have the cash, but need to change your spending habits to get you on track?

I knew a woman who lived in a large house with two family cars and sent her children to private school. She told me she never had any money and they were struggling. The pleas of poverty did not ring true, even when she once had the debt collectors at her door. It doesn’t take a genius to see that her lifestyle was too extravagant for what would to many of have been a fantastic income! Her spending habits weren’t in line with the money she had coming in. She was more concerned about keeping up appearances than she was about the state of her bank balance.

Ask yourself some tough questions about your spending habits

So, before you say your money never lasts and you have no savings ask yourself these questions to identify your spending habits:

Could your accommodation be cheaper? This is likely to be your biggest monthly expense. If you have over extended yourself buying or renting it will hurt. Could you move to more modest accommodation or rent a room out?

Can you travel more cheaply? Cars are a huge expense. If you have more than one car consider whether at least one of you could take public transport instead. Could you downgrade to a motor scooter or cycle? If you need your car you can find out about cheaper motoring here.

Could you holiday more cheaply? I hesitate to say give up on holidays, although many people do enjoy the odd ‘staycation’. However, if you go skiiing every winter and to Disneyland each summer you will need a very full wallet.  Could you invest in a tent for some cheaper camping holidays instead? Some of our most enjoyable family vacations have been under canvas.

Do you have money to burn?

Do you smoke? I have little sympathy for people who literally burn money whilst putting their good health at risk. Nuff said!

Do you insist on buying everything new? From clothes to furniture, whatever you need you can almost certainly buy secondhand if you really want to save money. And reusing can help save the planet!

How much do you spend in pubs/restaurants/cinemas/theatres each month? If you are in the pub three times a week your bank balance will feel the strain.

Do you enjoy a regular takeaway? How much would you save if you knocked this habit on the head and cooked from scratch instead? Even if you don’t waste money on take outs, do you use a lot of convenience food?

A passion for fashion?

Do you love a brand name? If you can wean yourself off designer clothing (or at least buy it secondhand) you will save yourself a packet. When you are in the supermarket, try some supermarket own brands – the big names make you pay for all of their advertising and fancy packaging.

Do you have too many clothes? If you buy a new outfit every time you go out the answer will be yes. Take the wardrobe challenge and then see how else you can save money on clothes.

How much does it cost you to look that great? There are so many ways to waste money on hair care and beauty products and treatments, but if you are short of cash you probably don’t need to get hair extensions or your nails done every month and could knock the designer perfumes and makeup on the head in favour of some cheaper versions. See here how you can be beautiful on a budget.

How often do you use your expensive gym membership? If you don’t use it then cancel it ASAP! If you are a gym bunny and there every night then good for you, but could you get it cheaper elsewhere?

Do you have hundreds of TV channels you never watch? You could save a lot by switching to a cheaper package or cancelling it altogether and investing in a Freeview box.

Time to change your spending habits

They are obvious questions really but people are very good at sticking their heads in the sand. Don’t be an ostrich. If you live from pay cheque to pay cheque and have no savings but you walk around in designer gear then you know why you are always broke! Have a good look around the site to see how you can change your spending habits. Start here, which gives lots of tips on how to save money.

(First published February 2017)

Meal planning and how it saves me money

The pros of meal planning (there are no cons!)

There was a time long ago when I never considered meal planning. I would wander around the supermarket grabbing things that looked tasty and with only a vague idea of what we already had at home. This lack of meal planning lead to the following scenarios:

I came home with too much food for the week and it got thrown in the bin.

Items I already had were bought again and added to the stockpile, some of which would also end up in the bin.

Insufficient food was purchased and we ran out halfway through the week.

I forgot to buy items that we actually needed to make the meals I was vaguely planning as I went along, such as pasta or rice.

I had to return to the supermarkets mid week when I then got distracted by stuff I hadn’t actually gone in for and spent more money than I intended to!

It only takes a few minutes

Sound familiar? I am sure we have all done this from time to time. I have found that spending 10-25 minutes each week meal planning and writing a shopping list really pays off and saves me a lot of time and money.  If you need to reduce you food budget, I guarantee that you will when you start meal planning.

I go through the fridge, freezer and cupboards first to see what we already have and to ensure we have enough staples like pasta, tinned tomatoes, teabags, potatoes etc. Our meals are planned around what needs using up first. I frequently discover that I don’t need to buy as much as I thought at this point!

Where to find inspiration

I use my large shelf of cookery books for inspiration – and the Internet, of course. If you type in ‘what can I do with cabbage/bacon/ chorizo’, etc you will have a list of helpful suggestions for meals using them.

Today, I have a bag of sorry looking carrots in the fridge. The potatoes from last week are starting to sprout. I have two peppers. I also have some apples that are turning brown in places but are still usable. These will be built into my menu planner for the next couple of days so that I don’t waste them.

In the freezer I have some fish that I bought in the reduced section last week and for some reason I have masses of frozen spinach.

I also know that we are out one day and that I will be eating alone one night so I will factor that in.

This week’s menu looks like this:

Here are the recipes for Saturday’s carrot salad and Friday’s Spaghetti cheese casserole.

I have written the shopping list so that I only purchase what I need for the week. Now I’m off to Lidl!

Are you into meal planning and, if so, what are you eating this week?

 

Beauty on a Budget Revisited

In The Art of Being Gorgeous on a Budget  I touched on the subject of frugal style and beauty, so I thought I would explore this subject a little more.  I know you can spend a fortune on looking good, but I know many women who look gorgeous without breaking the bank. Just because you are frugal it doesn’t mean you have to be frumpy. Taking care of yourself makes you feel better mentally as well as physically but you don’t need a huge beauty budget. So what is the art of beauty on a budget? Here are some ideas to help you save money.

Dilute your shampoo – or give it up!

budget beautyMost of us use more shampoo than they need. But it is possible to use a bit less by really soaking your hair and then using shampoo diluted with water. Some people give up washing their hair altogether. This ‘no poo’  concept has many devotees, who say giving up shampoo and all hair products leaves their hair looking better than it ever did when they piled on the chemicals. There is a very interesting article, plus details of what you can use instead if you don’t fancy giving it up immediately, here.

I save money by cutting my own hair. I have done it for myself and my daughter. Hers is so long it is easy to trim the bottom and add a layer. Mine is slightly trickier, so I keep it trimmed in between hair cuts so that I visit the hairdresser less frequently and spend less.

Very dry hair can benefit from a hot oil treatment. You can buy these pretty cheaply or make them yourself for an even more budget friendly hair treat. Coconut oil is good, as is olive oil, but almost any oil will be beneficial. Just warm it gently, smooth it through your hair and wrap it in a warm towel. Leave on for about 20 minutes, then shampoo off.

Face masks

My daughter loves a good face mask. She buys them really cheaply from places like Poundland, Home Bargains and Superdrug. However, she also makes her own. She likes this one, which is supposed to help clear spots and acne:

1 teaspoon each of oatmeal, runny honey and plain yogurt.

Just mix together and smooth over your face, avoiding the eyes. Leave on for 10-15 minutes then rinse off and use your usual moisturiser.

I prefer the non chemical home made version to the packet stuff!

There are many other DIY personal care products that you can make for yourself very cheaply.  I mentioned that you can use bicarbonate of soda to clean your teeth the other day, but you can also make a minty toothpaste with it. I have found a recipe to try here.

Boost your eyelashes

Another frugal beauty tip that my daughter swears by is castor oil for making her eyelashes grow. She dips an old mascara brush into a £2 bottle of the stuff and uses it most nights. I didn’t really see how this could work, but apparently it is a thing. I found an interesting article on how it works here. It also works on your scalp hair and eyebrows! Incidentally, this article also recommends castor oil as a remedy for dandruff and stretch marks.

Money Saving Expert

A really great place to find cheap beauty and make up deals is  Money Saving Expert. A current deal offers a set of nail polishes for £29 from Nails Inc that would usually cost about £105, a nice gift for someone I think – or for yourself!

Use your gifts

How many times have you been given boxed sets of smellies only to stick them in the back of the cupboard and forget about them? Get them out and use them up. If you really don’t like them, then re-gift them and buy yourself something you do like with the money you save.  I always drop big hints as Christmas approaches for lovely body  butters or Lush products that I wouldn’t usually buy myself.

Drink more water

Nothing is cheaper or easier to improve your health and appearance than drinking water. Wrinkles show more on dehydrated skin and drinking lots of water flushes out toxins and improves blood flow, so your skin will look better.

Get more sleep

I am the worst for going to bed when I need to, yet I look and feel so much better if I get my 7-8 hours a night. You can get away with less foundation and concealer when you’re not hiding the bags under your eyes!

This is a big subject!! I shall return to it. What are your best tips for beauty on a budget?