Category Archives: Real Life

Environmentally Friendly Cleaning Products.

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Cleaning your home can really damage your health, no, it’s not just an excuse. All of the chemicals in the cleaning products aren’t very good for you, and guess what else? It’s not good for the environment either. So Frost tested some environmentally friendly recycled cleaning products.

Easydo are a company who are creating a more sustainable society. Their aim is to produce everyday products using recycled materials under the Ecoforce brand. They manufacture as many products as possible in the EU and all their products are between 50-100% recycled. All of the products are also inexpensive. So there is no excuse not to switch.

They stop things being made from virgin material and, while doing so, save the environment. Here is what they make…

Ecoforce Recycled Clothes Line. 20 meters length and 30kg break strength. 89% recycled. This is a high class, well made clothes line. It is also green, which I like.

Dishmatic Fill & Clean. This is a great invention, I really love this. The handle fills up with liquid then you just clean with the replaceable heavy duty sponge. It saves your hands. You can buy a three different refills and they all fit onto the DishMatic. The refills very easily click into place.

You cannot tell that the Ecoforce recycled clothes pegs are recycled. They are frost proof, have no springs so they won’t break, don’t leave peg stains and have a hurricane force grip. They come in different colours too. My clothes loved them, and the howling wind couldn’t win against them.

In the back of the packet Ecoforce says this; ‘Hanging out the washing is an easy way to reduce energy consumption. Each tumble drier load can release up to 2.6kg in CO2’. A brilliant reason to hang your clothes out. These pegs are also washable, metal free and have more grip than a standard peg. 93% recycled and are almost impossible to break.

Ecoforce also sell a peg basket. It comes with a 24 pack of pegs and is UV stable. 94% recycled. It has a handle, which is placed inside the basket to make it stack-able and save space. I love the design and how space aware it is. You can hang it up or have it on a shelf.

Ecoforce have a range of sponges. They are made from post industrial waste. They make the first scourer that is made from 100% recycled material. They are easy to use and handle. You can buy the heavy duty or the non-scratch one. They can be used anywhere in the house. I like the design of the sponges. They have a curve in them that makes them easy to use. They may be recyclable but they clean just as well as any other sponge.

Their scouring pads are great too. Very easy to clean with them.

They make quilted cloths that are ultra soft and made from a mixture of recycled cotton/viscose and synthetic fibres. They can be used on any surface: floors, glass, cars, wood, etc., They absorb well and do everything you could want in a cloth.

The quilted pockets trap dirt and they are machine washable.

Ecoforce dusters are made also made from a mixture of recycled cotton/viscose and synthetic fibres. They are 100% recycled and pick up dust like a dream.

The Ecoforce motto is: Ecoforce – eco products that work. They are not lying. Well made products, with great design that ease your conscious. Frost Loves.

To Order www.ecoforce.co.uk or call 020 8343 1010

EcoForce and Dishmatic are widely available in most supermarkets as well as Oxfam, Homebase and B & Q.

How To Clear Out Your Wardrobe.

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I have always wanted to be one of those women who wear matching underwear everyday, and are always effortlessly stylish. That is not me however, and I have decided being myself is much better. However, I am so busy that I have become obsessed with being organised and keeping everything in it’s place. I started with my wardrobe, and this is what I learned.

Take all of your clothes out of your wardrobe and try everything on. It can be quite overwhelming bringing everything out at once, so you can do half at once, or maybe just a drawer. Everything that doesn’t fit, put in one pile. Be realistic about this pile. Are you going to lose weight? Then put everything else into three other piles.


Keep

Unsure

Charity shop/Ebay/Recycle.

Get ride of stuff that doesn’t suit you, in poor condition and hasn’t been worn in 12 months.

Another good thing to do is have a one in and one out policy. Everything you buy something new, get ride of something old. Keep only a few old clothes for decorating or housework.

Things that need dry cleaning should only be in your wardrobe if you really love them or have money.

Put things that need alterations or mending. As well as shoes that need re-soled.

Everything in the keep pile should be put back in the wardrobe. Arrange the clothes by type, then colour. Everything in the get ride pile should then be put in another three piles (!) sell, give away, and recycle. Sell anything you think you can on Ebay or to a designer outlet, give away the stuff that you are not selling to charity (get gift aid so you can claim it against your tax.) All of the other stuff can be recycled, don’t just throw it away. There are charities that can recycle your old clothes.

Your maybe pile will probably make you indecisive. Ask a friend or a partner for their opinion, put all of the clothes in a bag and hide them away, if you don’t miss it after a few months then throw them out.

Get ride of things that don’t enhance your life.

Sales of sewing machines are up by 50%.

    Don’t buy something in the sale just because it’s cheap. You’re not ‘saving’ money, you are buying a problem.
    Know your body shape and what your comfortable in.
    Buy investment pieces.
    Learn from your mistakes.
    Take an inventory.
    Throw out cloths that you haven’t worn for 6 months.
    Find a style that suits you and stick with it. Have the courage to ignore what is fashionable and go for timeless elegance.

Organise your wardrobe. Buy some Vacuum sacks [£11.78 , lakeland.co.uk] to keep out of season clothes in and get some cedar or Lavender balls to repel moths.

Storage boxes are great and can be bought cheaply. These ones are cheap and can be stacked on top of each other As can hanging racks and hooks. Hooks Value Pack

Sewing kit. Learn how to sew. Take a class in dressmaking.

No wire hangers. They ruin clothes

Keep bags and accessories accessible. Stuff bags and shoes and keep them in their original packaging. Keep bags in the dust covers that they come with.

If you can afford a Hand-held steamer, get one. They are a great investment.

Fold knitwear, once horizontally and then put arms across the body for fewer creases. It will stretch if hung.

Dry-clean only clothes should be removed from packaging as soon as possible, as the chemicals can cause damage.

Get shoes resoled regularly. Buy the most expensive shoes you can afford and then look after them. Buy a shoe tree to keep them in tip-top condition. Wood Shoe Tree

Riding boats never go out of style.

Hang everything in the same direction.

Store clothes with acid-free tissue paper, to keep out moisture and damp.

If your leather shoes are too tight, heat them with a hairdryer and wear them with a thick pair of socks.


Some items of clothing that never go out of fashion.

A pencil skirt

Trench coat.

Plain court shoes

White Shirt

Good quality jeans.

Silk blouse

Pale, fuss-free underwear.

Sharp Blazer

Black Trousers

Little Black dresses.

Hang trousers upside down from clip hangers to avoid creases.

Got any tips of your own?

Money Games

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In these times of penny-pinching, belt-tightening and hatch batten-downing we’re all suddenly obsessed with the price of things. Moreover, we’re turning into a population of individual price comparison services and I fear the day when we’re all Pseudo-Russian rodents may soon be upon us. My wife will automatically quote, and compare, the price of diesel at every petrol station we drive by like she’s got oil-based Tourette’s.

Eventually we all end up drawing the same conclusion- it’s too much. We state, categorically, that everything is too much like we’re some kind of global procurement guru. It’s not worth that much! We say as we roll everything from a chocolate orange to a mobile phone around in our searching little grasp.

My father-in-law just happens to be a global procurement guru. Now retired, he was the global head of procurement for some of the biggest companies in the world as well as our very own treasury. He’s had to establish the actual worth of everything from office-sized mining machines to tiny electrical components so that when he signed off on a couple of million quids worth, he knew he was getting value for money.

His view on ‘value’ is the same as mine, which was forged from a lifetime of selling shit to anyone that will stand still for ten seconds: Something is worth whatever somebody is willing to pay for it.
That iPad you just bought. Do you care that it cost a few pence to manufacture? No. It’s cost you several hundred pounds because somebody else was willing to pay that much for it. If they weren’t… it wouldn’t.

Our professional footballers are always in for a world of grief because they get paid more in a week than I get paid in… my own dreams. The loudest and most agreed-upon chant from the terraces is always, “he’s not worth twenty million!”, or, “He’s not worth two hundred grand a week!” Well he is, because that’s what somebody is paying him. If he wasn’t… they wouldn’t.

Here’s the biggie: Damien Hirst spent fifty grand putting a shark in a tank and sold it for eight million dollars. His diamond-encrusted platinum skull had fifteen million pounds worth of diamonds on it and went on the market for fifty million. It was titled, “for the love of God” and it is, to my mind, the most aptly named piece of art since “bowl of fruit with wine glass.”

Hopefully, by now, you’re not shouting, “How can a shark in a tank be worth eight million?” because you’ve got my point. If there’s someone out there willing to pay that much for it, then that’s how much it’s worth.

People with a lot of money aren’t in the business of throwing it away and those paying footballers’ wages, organizing parking spaces for dead sharks and even, dare I say it, buying iPads are doing it because, for them, it’s worth the money. It’s their money and they will almost always get more out than they spend, either in direct profits or the benefits of use.

The problem comes when it’s not their money they’re spending. It gets even worse when it’s your money- our money.

For me it becomes about as painful as space-hopper hemorrhoids when the decisions to spend the money you were about to fork out on that iPad or, say, a new school, is thrown at two weeks of spot-light sports partying and it costs seven and a quarter BILLION pounds.

This isn’t the folly of some mega-rich Oligarch and it’s certainly not good business sense. Anybody spending their own money or that of the company they worked for wouldn’t entertain such a suggestion longer than the time it would take to guffaw loudly and call security.

The public money being spent on the Olympics will NOT make a profit in any real sense even though the money being spent on it is as real as it gets, regardless of projections of associated benefits to business and local economy. In 2006 Ken Livingstone predicted that the games would make a profit, after ten years, and that they would cost less than five billion and that the resale of the land would generate seven hundred million back. Well the games has come in at fifty percent more than that, the price of land has plummeted, and we don’t have ten prosperous years to frolic in, waiting for pay day.
As for the sheer benefits of use? How many speed cyclists do you think will be paying to hurtle round that Velodrome once the dust has settled? Enough to cover the cost of building it? There’s one in Manchester they built for the Commonwealth games and it’s just a big, empty, curvy-topped warehouse most of the time.

Like I said, something is worth whatever somebody is willing to pay for it and, in spite of the inevitable feel-good factor that 17 days of international attention will give us, the Olympics will never be worth seven and a quarter billion pounds to me. Simples!

Shoppers to return to the web on Christmas Day

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No rest for the thrifty – Shoppers to return to the web on Christmas Day

Although much of the country will have a day off from work on Christmas Day, there will be no recess when it comes to shopping online. It is predicted that £186 million will be spent online on Christmas Day, followed by another £367.8 million on Boxing Day as shoppers look to be among the first to snatch the best bargains in the sales.

Ellen Flood, independent shopping expert from Shopow, said, “Budgets have been tight for shoppers this year and so retailers have responded by rolling out rock bottom prices online and on the high street. But now they have bought presents for friends and family, many will be returning to the online stores at the earliest opportunity to get something special for themselves without breaking the bank.

“There are many discounted items being introduced immediately after Christmas and therefore plenty of bargains to be had. The danger is that shoppers could become desensitised by the idea of lowered prices and may not see the attraction as vividly as previous years. Those stores that did hold their nerve and their prices in the run up to Christmas have their last throw of the dice for this year if they are to recoup earlier losses.”

Staying Safe this Christmas and New Year – Top Tips!

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Staying Safe this Christmas and New Year – Top Tips

As a key Youth Leader when it comes to gangs and breaking the cycle of criminal behaviour one of the key things I get asked by people of all ages is ‘How do I avoid becoming a victim?’

It is really tough question isn’t it? I mean, if the headlines are to be believed you are almost twice as likely to become a victim as you were this time last year. Although we are living in tough times Christmas means that people are out and about doing Christmassy things; enjoying themselves, getting merry and having a host of parties and clubs to go to. In the midst of this hustle and bustle some are ever more desperate to steal, rob or take advantage.

I for one know someone who had their card cloned only a few weeks ago and the upheaval it can cause is immense. So these words of advice I am about to offer come not a moment too soon.

  1. Taxi Cabs – this is number one on my list as I am still in awe of how many people don’t know this despite the horror stories and despite the ad campaigns.  If you are going to be drinking pre-arrange how you will be getting back home. Black cabs can be hailed off the street but under NO CIRCUMSTANCES should anyone get into an unlicensed taxi/and or minicab off the street. It is illegal for minicabs to tout for business. Minicabs must be pre-booked. Listen if you get into an unlicensed cab then essentially it is just a stranger’s car and there is no telling what will happen so please – don’t do it!
  1. Drinking – do your best to drink less alcohol and drink more water during your night out. A top tip is to have one drink of water for every two glasses of alcohol. Do your best to stick to the same drink, try and not mix your drinks and always make sure you have your drink with you. Yes girls – take it with you if you are going for a pee. If you leave your drinks unattended then DO NOT drink it. This is one of the ways drug rape can happen. A long time ago I was a First Aider in clubs – spiking as it is called (when someone puts drugs in your drink) was a big issue for us back then – my friends who are still in that field have said on good authority that it is still a big issue now.
  1. Drugs – Lets get it straight – taking drugs is illegal. However if you do then do not buy drugs from someone you have just met. Most of the time drug dealers at clubs / bars are selling to the masses and are not selling you what you think you may be buying. They can easily combine it with chemicals that will be very harmful to you and your body, and you could have a very bad reaction to it. I suppose the final point I want to make is that if you do decide to take do the stupidest thing and take drugs then you should never be left on your own until everyone has recovered. There are reactions and delayed reactions and both could potentially be fatal.
  1. Being sensible – This is one of those tips that sound easy on the ear but can be difficult to put into practice. Firstly be sensible in your approach. If you are talking to a stranger for the first time then do not give him personal details about yourself like where you live. Do not make yourself vulnerable. Secondly never leave your valuables such as your purse or phone with them while you run to the loo or leave your bag or valuables on the table or at some distance from you. Your phone should be locked with a pin that only you know and you also should be sensible with your social network – that is, it and your personal details should be set to private. A new trend is for guys to butter up women with soft words etc but there are lots of instances where once the woman has gone they are gone except they have gone with cash, plastic and I-phone tablets.
  1. Confidence is crucial – Being confident and assertive can assist you from staying out of danger. This is reflected in your body language and demeanor. Keep your head up and use eye contact. Becoming drunk and very loud can sometimes draw the wrong people towards you. Essentially most predators know that the less aware and less able a person is, the more easy they are to take advantage of and the more likely they are not to defend themselves properly.
  1. Fight or flight – If a fight breaks out / and or other trouble then remove yourself very quickly from the venue and call the police for help. This is crucially a tip mainly for the guys out there but as it seems to be a paradox akin to finding the ‘god atom’ it is there for everyone. Here’s the problem – good friends, both male and female want to protect the ‘ones they love’ from ‘bad’ people. The problem is that ‘bad’ people can be everyone especially once a fair bit of alcohol has been drunk. You’ll be surprised at the amount of arguments and fisticuffs that can flare up over mere ‘looks’ ‘knocks’ on the dance floor and people being rude. Ask either party to just walk away and you’d have more luck trying to explain the euro crisis. Yet you have your mobile phone in your pocket so rather than choosing to join in on the rugby tackle why not just use it and get help. Trust me; you’ll thank me in the morning.
  1. Cold and hard can only be cash – Try not to carry large sums of money, credit cards and other valuables with you. I am going to say it again but DO NOT leave your bag unattended. Just bring what you need for the night. A top tip is to put some money safely on you away from the money you will be spending on your night out. So if unfortunately if you are a victim of crime and your money / cards are stolen you have some money to get home with.
  1. Keep your eye on the prize – When paying for anything by credit / debit card make sure the machine is brought to you and you see what is being done. If anyone ever takes your card away / and or behind a bar they may be cloning your card. A big tip is to keep all of the receipts from the night, perhaps in your purse and then the following day check back with the money that has been deducted. If you need to you can query with the bank if any amounts seem unjustified.
  1. Mobile phones – Do not talk on your mobile phone when you get off London Transport and think this is going to save you from being attacked, it just makes you more vulnerable as you cannot see and / or hear what’s going on around you. What’s more people can see what mobile phone you have and that could make you a target too.
  1. Keep in touch – Number ten is my greatest gem. Be with at least one person you trust and make contact with them when you get home, so they know you are in safe. If you out and meet members of the opposite sex and are having a good time, why not stay together until you are in a cab (a licensed one obviously) where you can cab share until you part company.
  1. Be aware – please be aware of the people around you. Not being aware has consequences. This is especially true at cash-points but even places like at the bar or till can be crucial for someone looking to glance at your pin or hear the code word for your tab. I have seen many offenders hear ‘Table 12’ shouted across a noisy bar and then casually saunter over and order drinks for themselves and their mates moments later claiming to be from the same table. Equally a friend of mine had her phone stolen when someone came round with a collection box for a ‘charity’ and took her phone from the table whilst she took out some money from her purse. Be aware
  1. Never blame yourself – my final tip is the same as last year. Just remember even Justin Bieber has been a victim of a crime at one point – probably. Some people just do bad things – it’s as simple as that. The main thing is that they are counting on your silence so they can do it again. So talk to someone you can trust and report it. Most importantly though never blame yourself.

So ends my tips on staying safe over Christmas and New Year – I am not aiming to make anyone nervous or afraid as there are bundles of fun to be had lets just keep it safe and sensible. If you have any questions, comments or even tips of your own please post them. Here’s to an exciting and prosperous New Year!

 

 

KIDS KNOW THE COST OF CHRISTMAS

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Hard-pressed parents assume that their children have no idea how much it will cost them to make a happy Christmas – but research out today reveals that children as young as five know how much Christmas will cost their family this year … including all the trimmings.

The survey by credit card company Capital One, shows that 85 per cent of kids aged between 5 and 11 know that a standard turkey (2.5kg) costs ‘up to £20’, 79 per cent correctly identify that a Christmas pudding costs ‘under £5’ and 64 per cent know that that a Christmas Tree costs ‘up to £30’.

Despite the average cost of family spending expected to fall this Christmas to around £692 from £1,278*, 1.3 million (32 per cent of all UK kids) accurately predict that Christmas costs a family more than £600, the equivalent to the cost of a family holiday.

The research also reveals that it’s not just the trimmings they’re knowledgeable about; children aged 5-11 were shown to be particularly astute and tech savvy when it comes to presents and gadgets – with 42 per cent knowing how much a Nintendo Wii costs (£109 RRP), as well as 38 per cent accurately confirming that an iPhone costs over £200.

Whilst clearly being surprisingly financially aware, thankfully there hasn’t been a complete loss of child innocence with 67 per cent still believing that Father Christmas ‘spends the most money on Christmas’ and 8 per cent believing that Christmas costs as much as ‘a flight into space.’

Judi James, behavioural expert says: “It’s clearly a cliché to assume that kids have no real understanding of the cost of Christmas because some of the valuations in the survey would give adults a reasonable run for their money. This proves that – unlike previous generations – kids do seem to have acquired a very astute financial view of the festive period, being aware not just of the egocentric gain in terms of food and presents but also the amount needed to obtain them. This suggests good parenting in terms of messages of putting a price on pleasure, meaning we might just be breeding a generation of Alan Sugar-style entrepreneurs.”

Credit Made Clearer features a series of short animated films offering consumers practical financial educational advice. Members of the public can access quick myth-busting films about the world of credit and managing money via facebook.com/capitaloneuk

Michael Woodburn, Chief Marketing Officer for Capital One, says: “We all assume that Christmas is an exercise in financial management for adults. However, maybe if we involved kids more, there could be benefits all round. Financial education for our younger generation is extremely important. Our Credit Made Clearer videos encourage responsible spending, offering tips on a range of financial issues from the use of credit to how to shop safely online.”

‘Credit Made Clearer’ festive shopping tips from Capital One:

* Ensure you stick to a budget and know your credit card limit before making Christmas purchases
* When shopping online, look for the padlock symbol in the browser window to ensure your data is kept away from prying eyes
* Register your cards with MasterCard SecureCode or Verified by Visa to add an extra layer of protection when shopping online
* Be aware of withdrawing cash to buy gifts – you may be charged daily interest and a cash withdrawal fee even if you pay your balance in full each month
* Always leave some available credit on your credit card for any interest to be applied

Who To Notify When You Move House

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Moving house is stressful at the best of times, so here is Frost’s guide to who to notify when you move.

Friends and Family.

TV Licence.
Your TV licence only covers you at your current address and won’t move with you automatically. Update it at tvlicensing.co.uk or by post.

Driving Licence.
Update it online at direct.gov.uk. Your Vehicle Registration documents will have to be returned to the DVLA. They will then send you a new one with your updated details.

Council Tax.
Tell your local council when you move out, and when you move into your new home. That way you will be billed correctly.

Mail.
You can get your mail redirected online at royalmail.com or by going to your local post office. It takes five working days so give the appropriate notice.

Doctor and Dentist
Search for practices near you new home by going to NHS.uk and entering your post code. You will have to register with the new practice

Financial Service Provider.
Banks.
Building societies.
Store Card companies.
Insurance companies.
Savings and investments.
Pension company.
Credit card company.
Do this as soon as possible. You don’t want your financial details going to strangers.

Magazine and other subscriptions.
Let them know as soon as possible. They usually need a month’s notice.

Utility Provider
Water
Gas
Electricity
Phone (and mobile phone)
Request a final bill before you move and tell them the date. Take a reading from your old home before you leave and at your new one when you move in. Just in case.

Cable/Internet providers.
If you are sticking with your provider let them know your new address straight away to minimise disruptions to your service.

Electoral register
You will need to register to vote in your new area. Go to aboutmyvote.co.uk and print off a form. Fill it in and send it to your local electoral registration office.

Finally, make sure you have signed the contract for your new home before changing things. Just in case things go wrong.

How To Not Get Ripped off By a Rogue Trader

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Half of UK Homeowners Have Been Ripped Off by Rogue Traders – Survey reveals

According to Checkatrade.com – the UK’s most trusted website for monitoring the reputation of tradespeople – half of homeowners in the UK have been ripped off by a rogue trader or cowboy builder, while one in seven has been targeted three or more times.

The survey, conducted amongst 2,000 UK homeowners, found that Londoners are most at risk, with 53 per cent having fallen victim to rogue traders. In Northern Ireland just 3 in 10 have suffered at the hands of cowboys.

Despite the perception that older people are more likely to be preyed on by unscrupulous traders, the research highlighted that younger people are almost twice as likely to be ripped off as the over 50s.

Two-thirds of 18-24 year olds have already been ripped off at least once and a quarter three or more times. Only a third of over 55s have been regularly targeted.

Commenting on the findings, Kevin Byrne, founder of Checkatrade, said: “This research highlights the sheer scale of the problem we face in ‘Rip Off Britain’.

“Rogue traders perform substandard work for financial gain, a disgraceful and often lethal practice that ruins properties and costs people thousands of pounds every year.

“It is important that we vet and monitor trades companies to protect homeowners and their families from cowboys.

“Checking up on someone is quick, easy and free. It is an essential precaution that helps avoid accidents, disruption and financial loss.”

Top Tips to avoid rogue traders

* Watch out for contractors who cold call or doorstep you – ask yourself why they need to.
* Make sure you have adequate contact details for your trader in case things go wrong. In addition to a mobile number you should be looking for a landline number, office address and trade association membership details.
* Reputation is everything. Try to use builders who have been recommended to you by people you trust. Take up references from other satisfied customers who have had similar work done and have a look online.
* Have a look at www.checkatrade.com for details of tradespeople who have been vetted to a high standard, and had their insurance, qualifications and professional memberships verified, with scores out of ten from customers.
* Take the time to properly brief tradesmen and put it in writing to avoid any confusion. Be as detailed as possible.
* Obtain quotes from at least three contractors and insist on a written quotation or estimate for the work. Keep them all on file in case of any disagreement.
* To avoid costs spiralling, try and get the job done on a fixed-price basis in case the work takes longer than expected.
* Delayed start dates or long drawn out works can have a major knock on effect on any other buildings works so agree a start date and estimated finish date. However, trades can be delayed by factors outside of their control.
* Avoid anyone who specifically asks for cash – it is illegal to ask for cash payments if the trader does not put it through the books and declare it as taxable income. Cash jobs may result in a receipt not being given, without a receipt you will have no come back if things go wrong.
* Be careful about requests for upfront payments – it may imply they have cashflow problems. In our experience traders who ask for upfront payments often do so because they cannot get credit at their local builders’ merchants, which may indicate they are not financially healthy.
* Once you agree terms and before work starts draw up a simple contract, including the work to be done, the price and the timeframe. Any reputable builder will be happy to sign it, you should sign it yourself and have it witnessed and signed by an independent third party.
* Once work has begun, regularly check that works are on schedule and keep talking your contractor to make sure things are on track.