Monthly Archives: January 2011

Twelve Top Tips To Cut Household Costs. {Money}

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January is always the cruellest month. After the Christmas blow out, funds are short and everything is more expensive. This week is supposed to be the financially toughest with Christmas credit card bills plopping through the door and just another two weeks to go till payday. Then there are the long nights and the cold weather to add to our joys!

To help, Frost has got financial expert, Jasmine Birtles, bringing you 12 practical tips on how to manage your finances and cut down your motoring costs by spending less and making a few simple changes to your routine.

So, fight back at the seasonal and economic gloom and use these tips to make the most of your money this month and for the rest of the year.

1. Save on motoring costs. Motorists are really feeling the pinch at the moment. Swap your current car for a smaller, cheaper, more fuel-efficient version. If it has very low emissions, you will also save on insurance, car tax and some residents parking schemes. Keep the tyres pumped up at all times and try to drive at a smooth, constant speed as this reduces your fuel consumption. For more information on smarter driving tips visit www.shell.co.uk/fuelsave. Making the right fuel choice can lead to significant savings each year. Shell FuelSave Unleaded & Diesel are formulated to save you up to 1 litre per tank* at no extra cost, helping you to save fuel and money every time you fill up.

2. Get as much as you can for free. Use freebie sites (wisely – there’s a lot of rubbish to sift through!) for free samples of all kinds of things. Also, get into mystery shopping for free restaurant visits and supermarket shopping trips – make sure they are legit, though, like TNS-Global.com or JKSMysteryshopping.co.uk. Get a holiday nearly free by swapping your house with someone in another country. Try the website Homeexchange.com for an amazing selection of homes all round the world.

3. Share and swap with friends and neighbours. Get together with your friends and neighbours to save money. Have a swap shop every now and then where you and your friends swap clothes, accessories and even unwanted gifts. Also, share lawnmowers, power tools and other big-ticket items with neighbours. Bulk-buy food and household goods at the Cash and Carry and share them out with neighbours so that you all end up paying less.

4. Sign up to bargains. There are loads of voucher sites and bargain newsletters that will send money-off deals and vouchers into your inbox every week. Just be discerning about which deals you go for. Sign up for free to the Moneymagpie free weekly newsletter for exclusive deals you can’t get anywhere else [http://www.moneymagpie.com/newsletter-subscription/]

5. Use loyalty cards. If you’re going to spend money you might as well get something back for it. If you use loyalty cards like the Boots Advantage card, make sure you get the most out of them. Boots commonly has ‘mega weekends’, either online or in-store where you get 1,000 extra points (worth £10). When one hits, it’s worth collecting together everything you were planning to buy in Boots to grab the excess. With fuel prices increasing, it’s worth looking at how you can save money on fuel. Shell runs a loyalty scheme, Shell Driver’s Club – you’ll receive 50 bonus points on first registration online and additional points every time you fill up at Shell. Points can be exchanged for money off Shell fuel vouchers – 500 points gets you £2.50 of vouchers.

6. Be clever with your credit cards. If you have a nasty Christmas debt on your credit cards, switch to a 0% deal such as the 17-month offer from Barclaycard or a low lifetime balance transfer card such as MBNA’s card which offers 5.9%. Or, if you pay off your debt each month, get a card that rewards you for spending. Try Barclaycard Freedom where you can earn up to 1% ‘Reward Money’ of your purchase price at over 20,000 participating retailers. You can then redeem it at participating retailers for money off at restaurants and high street retailers. Visit barclaycardfreedom.co.uk for a full list of retailers

7. Do a budget and stick to it. It sounds boring, but a budget is your family’s weapon against the money monster. You can even do it on the back of an envelope. Just add up the money that comes in each month then take away from that all the bills you have to pay to keep the roof over your head, and body and soul together. Once you know what you’ve got left over, you just divide that amount by four and make sure you don’t spend more than that each week. That will keep you out of expensive and miserable debt.

8. Make your home pay for itself. If you’re struggling to keep up with the mortgage, bring in extra cash by renting out a spare room. You can make up to £4,250 a year tax-free by doing this. Or just rent out your driveway by putting it on Parkatmyhouse.com. You could even make megabucks by offering it as a film set. Try registering with Lavishlocations.com.

9. Save on food bills. There are loads of ways of cutting down your food bill each week. Switch one meat dish per week to a vegetarian one that is cheaper. Get tips from Lovefoodhatewaste.com on how to make the most of what you’ve got. Shop at street markets as they are generally 30% cheaper than supermarkets. Go down a brand with food in tins and jars – you won’t notice the difference with most of them.

10. Shop around to save. It goes without saying that you could save £100s on your insurance, utilities and other bills by using comparison sites before you sign-up. Also, though, use sites like Pricerunner and Kelkoo to research gadgets like washing machines, TVs and lawnmowers. You can even save on removal costs by using the website Anyvan.com where ‘man-with-van’ operations and removals firms bid for your job. Find bookkeepers, lawyers and household helpers through Peopleperhour where all kinds of professionals bid for your work

11. Buy secondhand. Now that VAT is at 20%, the best way to avoid the hike is to buy things secondhand, particularly big-ticket items like cars, furniture and electronics. Use eBay, Gumtree, your local paper and family forums such as Mumsnet to buy things secondhand. Quite often, items just a few months old can be half price.

12. Be green. Get into green living and you will definitely save money. Mend clothes and gadgets where you can rather than buying new ones. Cut down on electricity, and your carbon footprint, by avoiding the tumble dryer and hanging clothes out to dry instead, using the ‘off’ switch when you’re not using electronic equipment and keeping the lid on pans when you cook.

* Based on a minimum tank size and fill up of 50 litres. Comparison between a standard gasoline and that same standard gasoline containing our instantaneous fuel economy formula; urban cycle comparison between a standard diesel and that same standard diesel containing our instantaneous fuel economy formula. Actual savings may vary according to vehicle, driving conditions and driving style.

Londoners Life 8 by Phil Ryan.

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Londoners Life 8 – by Phil Ryan

Well, in London, Christmas and the New Year are truly over now. It’s the end to that weird kind of period of semi-social vacuum. Londoners generally indulge in the early sales tradition (strikes permitting) and catching up with all the less important friends on their list. It’s a brief respite that many enjoy. But now we’re all back with a vengeance – coping with the new EVERYTHING IS GOING UP mantra that the London authorities are now teaching us to swallow.

From Oyster Cards to restaurants, the price of everything is on the increase. But the London way is to shrug and just carry on as usual. I watched people on the London News just rolling their eyes at the various reporters’ daft questions. As if to say: “Huh? This is London – plus we have no choice. Asking us how we feel is a pointless exercise. We don’t have time to feel! We’re Londoners. Busy busy.”

So what are my London predictions for this year?

Well, house prices don’t seem to be heading down, no matter what the market does. So expect the rental market prices to keep heading skywards. And the price for first-time flat buyers to remain tantalisingly out of reach – unless you’re 12 and from Qatar or Russia – in which case you’ll buy the building from your pocket money. Plus you’ll sadly notice an explosion of posher estate agents appearing in your area. Luxury properties will remain immune to the price issues and continue to rise. You’ll see the expansion of trendy middle class folk fleeing to Lidl and Aldi (as seen in all the fashion mags where various ladies enthuse about their products) and you’ll see lots more branches of said lower cost German brands appearing.

I visited a friend the other day and they were enthusing about their tins of low cost and catchily named schweinekartoffelaffensuppe from those lovely well-known folk at Krauten Valley Fabrik GMBH and some huge packets of weird looking cakes called Kuchenzuckertortestrassezitrone from Panzer Backerie 17. The kids love them apparently, but are now all diabetic.

You can expect a lot more London local high streets to empty of smaller shops and fill with shuttered fronts as the huge shop opening programme of Tesco and Sainsbury continue to suck the life from them. In my own area, we have two mini Tesco’s about eight minutes from each other, now to be joined in a month’s time by a Sainsbury’s sandwiched in between them. Convenient, yes. I suppose. Food quality, sadly crap!

So, expect more small shops to bite the dust in droves, aided by the ever-increasing ramping up of parking revenues from London Councils now sending ever growing hordes of Parking Attendants, or whatever new name they’re calling them, out onto the streets scaring customers away. Check out the new parking times arriving near you soon. In many areas, meters will soon run from 8.30am until midnight. As I say – you can drive where you like in London – you just can’t stop. Well, not without giving up your life savings anyway. Which means more local small shops will vanish thanks to the Council’s greed.

Unsurprisingly, because of the economic factors you’re going to see a lot more churchgoers this year. Especially among the young and fashionable. It’s a trend that’s expanding. Cool churches with bands and singers. More of an open mic night with Jesus. So Sundays are going to get busier in your area. But the crowds will all turn the other cheek which is nice.

Apart from that the Olympic juggernaut will roll on – relentless ads of people telling us how fantastic it’s going to be interspersed with the truth about ludicrous and impossible ticket prices, private roads for Olympic fat cats and the fact that the Government will be flogging all the buildings and venues to Overseas companies at knockdown bargain prices when the whole ghastly thing is over.

And expect the Underground to get worse if that’s possible. Regular upgrade closures and strikes will really be the order of the day. Hmm. That’s about it. Oh yes, I nearly forgot. Expect the West End to overflow with even more film to musical adaptations this year. I see ‘Shrek the Musical’ is on its way (good God!).  I was looking forward to ‘Saw IV the Musical’ myself but apparently it’s not been written.

So predictions over. Something I’m noticing is that real theatre is now virtually on its knees in London. It’s only kept alive by smaller groups and brave theatre collectives thankfully, but the big boys seem to have thrown in the towel generally. Three new plays came into the West End last year. Wowee! (we should take Kevin Spacey’s passport away to stop him leaving – he’s almost singlehandedly propping up real theatre – give him a knighthood or something I say)

Finally, while I’m on the subject of entertainment, this is the year of relaunches of various new London Clubs,  including the Blitz Club and possibly some new remakes of closed venues. But it will be interesting to see if the money and the appetite is there to support such ventures.

The London appetite for nostalgia shows no signs of abating as I also notice lots more old fashioned Tea Rooms opening up. Proper ones too, I’m pleased to report. Not the organic designer kind. Real cakes. Normal teas.

So that’s it. Predictions REALLY over. Doom and gloom with glimmers of hope here and there. But will any of this stop us having a good time? No. Not in the least. It’s a London thing.

A Peak into A/W Fashion 2011 – Part Two – Trends

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We’ve taken a look at the core colours and richness which is due to explode this coming Autumn and Winter –  now it’s time to take peak at Trends.

First up, none other than Chic Fur – loyal to its spring governing in the fashion world, fur will be a big trend this year. I’m not just talking heavy fur jackets and coats – we’re talking capes too. In addition, it will be an essential accessory tool to add to more simpler, less extravagant formations and textures.

This year will see a more grown up look to women’s wear – the neutral tones and severity of black will play a significant part in portraying a subtle sharpness to women’s fashion.

Florals – Yes,  this Autumn will be making a statement with florals, from light pastels – figurative to romanticism – to deeper mulls, reds and purples. An occasion of mixing and matching with casual day wear to evening dresses.

The 70’s Look – Already making it’s statement for S/S 2011, the look for this A/W will be less hippy, and more chic. We are talking minimalist stripes teamed up with camel colour turtle necks and gently embroidered knits.

Back to the Future 90’s – Deep colours, needle-defying textures – symbolising the strength and boldness of a woman. Minimalistic meets futuristic. Though this is a featured trend that comes back and forth, this Autumn/Winter will see it strike back with force.

Lace – Yes, a niche trend to some, but bringing its versatility back for this S/S, the trend will continue its animating presence in A/W, too. Together with sheers and cut looks, lace will be the friendly option to your add-on closet.

Silks and Velvets – Silks being prominent when it comes to shirts and dresses – outerwear that would be worn more as an illustration for the evening. Velvet – enthused in jackets and capes – mustards, browns, chic camel and gorgeous ruby.

Tweed – In essence, tweed has been a female fashion must since the introduction to tweed-inspired suits and hip tucked-in belts by Chanel – reinvented by many fashion designers. This A/W is the season for tweed enthused suits and jackets – in a palette of warm browns, camel and creams.

Tweed also works in alignment to the uniform style. Returning this year, welcoming an array of blues, greys and mulls. Strikingly bold, and again, wearable in the day and an accompaniment to evening wear.

Knitwear – BIG this year! From the classic roller neck to the boyfriend’s cardigan – a flux of yarns and defining patterns and patchwork enthusiasm.

Money For Nothing – And The Trick’s No Fee

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When Britain lost the War of American Independence in 1783, we nonchalantly withdrew, safe in the knowledge that the fledgling nation had taken on board our delights of fighting a Civil War, and subjugating and exterminating the indigenous people.

Meanwhile, Britain returned to its attempt to turn every schoolroom world map a lurid shade of pink as the British Empire expanded by wont of deciding we knew far better than the cultures of vast swathes of Africa and Asia.

From such unlikely beginnings, our special relationship with the USA has grown and grown. We were never so glad to see our former foes fight alongside us in The Great War, and there can be no doubt that the influx of tens of thousands of American troops turned the tide of a muddy, bloody stalemate.

And, while late to the party again in World War II, American forces once more helped to bring an end to six years of devastating conflict. Meanwhile, GIs (Overpaid, Oversexed, Over Here) brought nylons, gum, jazz and chocolate to a beleaguered and grey England, while getting brides – and surprise children – in return.

Glossing over our penchant for gambolling playfully at America’s feet in gratitude and thus embroiling ourselves in two unwinnable guerrilla conflicts in the Middle East, our tradition of cultural exchange continues to this day.

They gave us Elvis Presley, we gave them the Stones and Beatles. They gave us Hollywood glamour and Marilyn Monroe, we gave them Carry On and Ricky Gervais.

Not forgetting that Halloween barely existed as an event in Britain when I was a kid. The first trick-or-treater I ever heard knock on the door was around 1983.

Faced with one of the local children proclaiming ‘trick or treat’ on the doorstep, my puzzled mum replied: “Trick!” There was a brief, equally baffled pause before the child went to find someone more clued-up.

And though I’ve been a long time out of High School, I don’t recall any talk of Prom Nights in Britain until around the late 90s. The UK didn’t go in for that sort of thing, probably because the film ‘Carrie’ scared the shit out of everyone in 1976.

Suffice to say, my last day at school consisted of a myriad of shirt signings, revenge on those who had royally pissed you off during the year and hasty fumblings with girls who had suddenly become more romantic and attractive as the parting of the ways beckoned.

I digress.

Something else we’ve learned from America is how to sue.

The USA is the most litigious country on the planet. Frankly, you can get sued in America at the drop of the hat, particularly if that hat then trips someone up. And now, we’ve cottoned on to making a fast buck in the same way.

Students, the unemployed or unemployed students who, between watching Jeremy Kyle’s show about British pond life and David Dickinson’s mahogany features on The Real Deal, are no doubt familiar with those ‘no win, no fee’ adverts from legal types.

They tend to show various idiots who have fallen off ladders, tripped over lethal plastic box-ties, or swallowed a pint of weed killer in a misguided attempt to eradicate their own gene-pool, and are now holding fat cheques after successfully blaming someone else for their own incompetence – albeit not quite as fat after the victorious lawyers have taken their mammoth commission.

Trouble is, it’s really no joke. Councils now spend tens of thousands of pounds on compensation every year, ranging from people falling over pavements, being grazed by falling tree branches, hitting heads on low signs and, in the case of a landmark ruling against Hounslow Council, a £100,000 payout to a couple with learning disabilities, who were subjected to abuse by their neighbours.

Regardless of the rights or wrongs of the latter judgement, it doesn’t take a mathematician to realise that if people weren’t suing the council for tumbling over uneven pathways, there might be more money available to get them fixed.

Meanwhile, a number of councils have realised it’s cheaper and easier to fell mature trees rather than put up with the fiddly business of keeping them maintained and so cure the problem of possible conker-shaped bruising.

Speaking of cures, doctors and hospitals now routinely take out malpractice insurance in the event of a legal challenge. Not that loved ones shouldn’t have the right to compensation when something has gone wrong, but there’s something definitely amiss when a man sues the NHS for allowing him to get to 70st.

As Barbara Ellen sagely pointed out in The Observer: “I’m confused. Did his GP say to him, ‘yeah, you look great at 50st, just keep eating”? As he ballooned to the point where it became a military operation to get him to hospital, were nurses feeding him fry-ups? Well, no. Paul Mason is now 37st, thanks to gastric surgery performed by the NHS.”

So, thanks to all this ‘fall down, get rich’ culture, we now live in a Health & Safety wonderland, where school trips are cancelled because of fears of litigation, packets of peanuts come with the disclaimer ‘warning, contains nuts’ and cards for two-year-old toddlers state ‘not suitable for children under 36 months’.

I would go on, but I’ve inadvertently crushed my fingers with the iMac after rooting around for a stray crisp. Now all I have to do is find the name of a good lawyer and Apple’s arse is mine.

Image: Chris Sharp / FreeDigitalPhotos.net

http://www.freedigitalphotos.net/images/view_photog.php?photogid=584

What the Americans can learn from UK Law & Order {TV}

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The TV industry is a funny one. The UK version of Law & Order is obviously a remake of the American format which seems to have franchises around different US cities. So ITV bought the format rights, remade it and sold the series to BBC America who are showing back to the Americans? Well at least they’re learning things they never thought they’d want to know. Hit play on the video for almost 3 minutes of giggles.

An Early Peak into A/W 2011 – Part One – It's all Colour…

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Ok, so it’s January 2011, the sun is still a counterpart to our day to day routines,  however, one thing that never stops, is FASHION!

Let’s take a little peak into this A/W trends – starting with colour. We all know Burberry has shown us the gateway to mulling rouges, purples and reds. This year is going to be a runway for diverse colours, and let’s face it, no matter what the season, fashion is a playground when it comes to experimenting with colour.

Lets break this down into themes – as this year will be prompting us with a heavy mix and match of moods in colour.

Olive and Gold – The Avante Garde of rich colour beauty. An array of strong, striking bronzes, symbolising the brash fire of a woman! These colours will play happy to patterns in tweed and heavy layed cottons and knits.

Let’s shift to a flurry of Blues and Greys – think Urban meets metropolitan. Minimalist silvers and heavier metallic colours, symbolising culture and diversity. Think striking navys – baby blues, of course conceptualised with the universal pallete noir.

The richness of darker colours – Plums, Auburns, especially on heavily layered georgettes and chiffons. Deep violets on silk yarns – edgy and all about the Winter.

Now let’s get a little girly – Vibrant Pinks on scarves, knits in a pallette of lighter colours, light coloured trench coats, and woollen enthused mittens and gloves – very girl-next-door! Also, rich pinks in the Autumn will be applied to sheer layers and as an extra to ruffled blouses and details on skirts. So delicately Autumn.

Greens – A colour we all connotate with nature, green will be a big colour this Autumn – Mustard and Apple greens. Think rich and natural – energising colours.  A labyrinth of scarves and jumpers – keeping the faith of the 60’s look.

Look at Andrew Garfield in his Spider Man Costume {Film}

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Sony’s released this picture of Andrew Garfield as Spider Man and we think he looks like he’s been saving marine animals from a BP oil spill.

There’s also a Facebook page for the Spider Man 4 that you can join too.

So what do you guys think?

We love: Avril Lavigne's 'What The Hell'

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Avril Lavigne’s lastest nugget of angsty delight hit iTunes on Monday, and has already soared past Bruno Mars and Katy Perry to nab the No.2  spot behind Ms Spears’ ‘Hold It Against Me’. It’s the first single from her fourth studio album ‘Goodbye Lullaby’ (due March 8), and although we’re not quite hearing the promised evidence of a more mature Avril (it certainly doesn’t sound like the offering of a recent divorcée), it is undeniably, arrestingly catchy.

Despite her absence from the charts we’ve grown fonder of Avril over the last year or so. Mainly because we’re highly impressionable tweens at heart, and so when ‘Keep Holding On’ featured in Season One of Glee and then Cher Lloyd sang the crap out of ‘Girlfriend’ on X-Factor we were reminded of her in the most favourable light possible. And irritating though it can be when a woman in her mid twenties looks and sings like a 14-year-old (‘yeah’ & ‘woah’ are to Avril what ‘uh’ is to Britney), she does come up trumps when it comes to peppy, infectious girlypunk. You can try to resist, we say don’t bother.

Why we love What The Hell:

1. The lyrics. They’re just so darn sympathetic. Who among us hasn’t at times needed to “be a little crazy” and wanted nothing more than to “mess around”?

2. The barest, faintest, flicker of pain: “You can’t save me”, “You never call or listen to me anyway”. We’re imagining Avril in a Skins-type scenario, starved of affection from the one she truly loves, and therefore doing the natural thing, ie: put it recklessly about. “Yeah, I am messing with your head, When I’m messing with you in bed”- Effy anyone?

3. The tune. It’s VERY similar to Girlfriend. But we loved Girlfriend as well, so that’s fine.

4. The pure shamelessness of a 26 year old refusing to grow up . Obstinate, foolhardy party-pop, let it wash over you…

Fall in love: