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Thursday, 7 July 2016

When You Lose Your Crowning Glory - Hair Loss & Caring For Thinning Hair

Our hair is often referred to as our crowning glory and the condition and style of our hair can really affect our confidence - either for better or worse.

As we approach menopause we find that our hair is no longer as strong and voluminous as it once was.  And our colour starts to fade as those pesky greys appear.


There is a new school of thought that says we should celebrate having grey and white hair and I'm sure you have noticed some of your friends throwing away the hair dye and embracing the grey.

For many of us though, grey is synonymous with 'old age' and we'd do anything to disguise those tell tale signs of maturity.  Not only that, but many of us have to cope with thinning or falling hair.

It's not a problem faced by men alone.

So what causes hair loss?

The most common form of hair loss is determined by our genes and hormones and it is estimated that around 30% of Caucasian women are affected before menopause.

There are three things which speed up the rate of hair shedding - advancing age, an inherited tendency to go bald early (for men), and an over-abundance of the male hormone dihydrotestosterone (DHT) within the hair follicle.

Basically changes to the hair's growing cycle means more hairs are shed with the hairs becoming thinner and thinner until they are too fine to survive daily wear and tear.

Other physiological factors might cause hair loss. Recently, a group of Japanese researchers found a link between excessive sebum in the scalp and hair loss. This is because the excessive sebum (oil) which often accompanies thinning hair enlarges the sebaceous glands and leads to malnutrition of the hair root.

Although this condition could be hereditary, they believe diet is a more prominent cause. The researchers note that Japanese hair was thick and healthy, with a small gland and little scalp oil, until more animal fat crept into their diet after World War II.

Hair loss is often increased by stress, dieting, poor circulation, steroid use, mineral deficiency, genetics, pregnancy or moving to a new country or change of environment. These can cause a change in the body’s hormones and effect DHT  – the contributor to hair loss.

Psychological distress can also makes matters worse. The more hair we lose the more we worry about it – and then the more we worry about it, the more hair we lose… It is a vicious cycle!

Caring for thinning hair can also add to your stress.

Most doctors agree that if you have a oily scalp with thinning hair, you should shampoo your hair frequently. This is because shampooing can reduce surface sebum, which contains high levels of testosterone and DHT that may reenter the skin and affect the hair follicle.

You may think that more frequent shampooing is the last thing you should be doing if you are worried about thinning hair or hair loss but there are some effective, yet gentle, shampoos on the market.

I was recently sent a selection of shampoos to try by hair loss specialists The Harley Street Hair Clinic, who are world leaders in FUE hair transplant technology and are the only clinic in the UK to specialise in follicular transfer hair transplant technology.

They are finding that, as more high-profile patients speak candidly about their hair transplants (for example their client Wayne Rooney), more men and women are getting in touch for consultations.

Whilst I am not losing my hair, I have definitely noticed that it is getting much drier and coarser as I get older - and admittedly, colouring my hair is probably not helping!

Swopping to a gentler shampoo has definitely helped.

Phytojoba Intense Hydration Brilliance Shampoo



This one had a lovely coconut smell and left my hair with more volume. It contains Jojoba Oil, which is a genuine liquid wax to smooth and add shine, soothing Cornflower and Mallow and a washing base derived from Coconut Oil to help your hair rapidly regains an optimal level of hydration, shine and suppleness. 





Sachajuan’s brilliant blue Ocean Mist Volume Shampoo contains the brand's signature ‘Ocean Silk’ technology – a cocktail of marine algae extracts which works to enhance strand-strength, suppleness and shine.  This mimics the bed-head effect of the spritz, to create texture and body without adding weight. It is suitable for all hair lengths and textures, but especially those with fine hair .

I loved the fragrance of this shampoo which really does remind you of the sea.  I didn't find this one quite so moisturising though.

Korres Shampoo For Thin/Fine Hair with Rice Proteins and Linden




This Korres shampoo is designed to strengthen and add volume to thin / fine hair and contains rice proteins to increase hair elasticity and density while adding natural, lasting volume. The Linden extract forms a protective film on hair surface, improving its sheen and appearance. I loved this one. It definitely left my hair smoother and sleeker.

Kloraine Shampoo With Citrus Pulp




Klorane Citron Pulp Shampoo with vitamins is suitable for all hair types and can be used as frequently as necessary and by the whole family. It has a fresh invigorating fragrance and it neutralises hard water to restore vitality and radiance.

Whilst I loved this one and it's light citrussy scent, I found it a little too strong for me since it is for normal to oily hair.

So there you have it - a selection of great shampoos which will help nurture dry and thinning hair.  You can find out more about hair loss, both male and female on The Harley Street Hair Clinic's website and, if you are worried, a chat with your GP may help to rule out other causes such as an underactive thyroid or vitamin / mineral deficiency.
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Tuesday, 5 July 2016

Rome Or Paris? Which City Of Love Should You Visit?

Rome and Paris are both known as great romantic cities. Of course, Paris is arguably the “official” “City of Love”. But does it deserve the title?

Here’s a quick comparison of the two cities for those of you who can’t decide which one to visit for your next vacation!

Pixabay

Architecture

The architecture of Paris is much more modern. During the nineteenth century, the entire city underwent a massive overhaul. It was reinvented, becoming more spacious and featuring more contemporary design. It is frequently updated to this day. It is, after all, a metropolis competing with the likes of London, Tokyo, and New York City.

Many, of course, will prefer this. But Rome is much more classic in its architecture. Most of the city hasn’t changed much, from a structural standpoint, in hundreds of years. This, of course, is exactly why people will prefer it. The very name “Rome” drips with fascinating history!

Wikipedia

Parks

Both of these cities have incredible parks. Rome is filled with government-preserved open spaces. These parks are themselves filled with spectacular classic art and sculptures. Perhaps the most beloved in the city is the Villa Borghese gardens, which is the third-biggest park in Rome.

The parks in Paris aren’t so densely occupied by artistic feats. You’re more likely to see larger, greener areas filled with more flowers and vegetation. They make for a good contrast from the rest of the city, which is usually filled with hustle and bustle.


Wikepedia

Accommodation

The quality of the accommodation available to you in either city is, of course, impeccable. These are two of the most beloved vacation destinations in the world, after all! They have a big industry for catering to people seeking getaways that are luxurious in the extreme.

This doesn’t mean there isn’t affordable accommodation, of course. But if that’s what you’re after, then you definitely have a better chance finding it in Rome. Paris, like the other cities I mentioned earlier, isn’t exactly known for its budget accommodation. Rome is a lot better in this regard. Rome vacation rentals are not hard to find, and you’ll come across far fewer “premium” price tags.



The weather

You may think that the weather couldn’t possibly be that different across these countries. They are, after all, right next to each other. But thanks to whatever freak miracle of science compels it, Rome is noticeably hotter than Paris.

The average highest temperature in Paris is about 15.5°C, compared to a potential 20.5°C in Rome. The latter averages at about 15.6°C; Paris averages at about 12°C. It’s not really for me to say which is better, exactly. Some people look at high temperatures and run away. Others will see temperatures nearing the 30s and start booking their vacations right away. If you prefer more sunshine and heat, then Rome is for you. When summer comes round, it’s a scorcher.

Flickr

Final thoughts

Ultimately, how can one make such a stark choice? Both of these cities are amazing and definitely worth visiting. Ultimately, it really depends on what vibe you’re looking for. Those who want a more relaxed and historically-deep vacation should check out Rome. Those who want more “cool” and metropolitan vibes should check out Paris. Either way, try to find some time in your life to see both!
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Sunday, 3 July 2016

Five Things - My Week This Week 03/07/2016

I have borrowed the idea for this blog post from the lovely Rhian Westbury at www.rhianwestbury.co.uk and I thought it would be relatively easy to write but it turns out that I need to be a whole heap more organised.

I have got into the really bad habit of not writing stuff down with the obvious result that I occasionally forget where I am supposed to be.  The Husband is always nagging me about using Google Calendar and I have promised to get to grips with it and sync it with my phone.

This type of post is also a great way of focusing your mind on the great things that happened.  I think we are all guilty of being slightly miserable sometimes when actually some great things have happened for us.

Anyway,  this is my first attempt at sharing what went on in the Hobbis Household this week.

5 Things I Did This Week 

Celebrated Ieuan's 7th birthday.  Yes, our boy has reached the grand old age of 7 and has swopped his previous obsession with Spiderman to anything Star Wars.  He has rather a large collection of light sabers and likes to challenge us to a fight.  He's so handy we're thinking of enrolling him into a fencing course.

Ieuan at Pizza Express
Took the kids to school in pouring rain.  The Husband was supposed to go to Saudi on a business trip but came down with the lurgi and stayed in bed - which is really unusual for him. When he's home we usually share the school run duties but there was no way poor Mat was going to make it early on in the week!

Finished reviewing Executed in Paradise by Deborah Brown.  I'm on on the reviewing panel for Beck Valley Books who have some great authors but I really have to discipline myself to put my PC down and take time out to read.  I do love my Kindle but there's nothing like a hard copy of a book.

All our careful teaching about not playing with your food hasn't worked.
Took Caitlin to ballet.  Ieuan had his second Tae Kwon-do grading on Saturday for his yellow belt so Mat stayed behind to help him learn his patterns whilst I did the ballet run.  Caitlin will be taking Grade 2 with the Royal Academy of Dance in November and attends the Nicola Peros School of Ballet.  Mrs Peros also runs adult ballet classes and if I can ever sort out childcare, I'd love to go to her lessons.  I studied ballet up until I was 16 and think it's a fabulous hobby to have for posture and discipline. Whilst Caitlin is having her lesson, I usually go either to a local pub, The Plum or Chapter Arts Centre for a coffee.  It's my little bit of weekly peace.

As you can tell, most of my time revolves around the kids but I did manage to get to Pandora in Cardiff to buy some new charms for my bracelet (a birthday present from the Husband). I really think they need a separate customer service desk to help those who are queuing just to get their bracelets cleaned or fixed. I queued for about 20 minutes!

5  Great Things To Happen

I'm not a big football fan but Wales beating Belgium in the Euros was pretty special this week.  We watched Germany playing Italy on Saturday night and that match seemed really dull in comparison.

 My niece Georgia has come to visit.  Caitlin and Ieuan love seeing their cousins and have loads in common with them even though there is quite an age gap.  Emily is 21, Lloyd is 19 and Georgia is 16 but my two are not daunted in the slightest from demanding that videos and photos be shared. Caitlin has become a mini teenager and nails have already been painted and coated in glitter.

Our neighbours bought a quieter washing machine.  This might not sound like much but believe me after 6 months of listening to its spin cycle vibration which was louder than our TV, it's a lot to me.  Their old machine has been on its last legs  for ages and now it's gone - hurrah!

Ieuan got full marks for his spelling - again. Despite being averse to homework, he seems to be breezing through to the end of Year 2.

Caitlin is calmer and a bit less stressed.  I'm not sure why but she has been quite panicky lately and is now settling down after the trauma of school sports day is over.  She even managed to win one of the races.


Georgia, Caitlin & Ieuan at Cafe Rouge
5 Things Which Sucked

Brexit.  I appreciate everyone has the right to their opinion but boy oh boy the sanctimonious were out in force on Facebook, weren't they?  I've never seen so much bad temper, name calling and finger pointing.  I voted Remain and am horrified by where we seem to be headed but I have to respect the fact that I was in the minority.

Having been told off by the dentist (twice!) for not cleaning my back teeth properly, I've been trying to get to grips with an electric toothbrush - which is great for cleaning my teeth but sets my jaw off nicely.  I have mild TMJD which means my jaw aches if it is too stretched.  I also changed from a sensitive toothpaste to one which promises to renew the enamel but now I have really sensitive teeth!

My tinnitus has been quite bad this week although I am definitely noticing a link between extra whistling and coffee, salty foods and bad foods like packet noodles (yes I know).

The Walkers Spell & Go Holiday Competition - I don't know if you are playing this one where each packet of Walkers Crips has a code that allows you to win the letters which spell a holiday destination such as Nice or Cyprus.  Having eaten so many crisps we can't face any more, we are now trying to find a C and a K. And so are the rest of the UK crisp eaters.

Car insurance - it's not that it sucks particularly, but it does when your premium is up for renewal.  We have got into the habit of paying annually because I resent being charged extra to pay monthly which means I usually forget it's due till the renewal letter plops on to the mat.

5 Things To Do Next Week

Insure the car!  I have a Skoda Roomster and I love it.

Plan how I'm going to get the kids to their various birthday parties since Mat will be working away this week.  When there's just one of you it's difficult to co-ordinate everything.

Tidy up Caitlin's bedroom.  There is stuff everywhere despite the fact we've got boxes and crates to store it in.

Shopkins everywhere!


Get out into the garden.  To be fair it seems to be doing quite well on its own but I planted quite a few herbs last year and apart from the rosemary I can 't find any of them!

Chase up the results of my blood tests.  I was recently prescribed Levothyroxine for an underactive thyroid and I have just had my first blood test since to see if the minimum dose is OK.  I'm really hoping it is.  I hate taking medication because I worry about what it will do to my tinnitus.

Well, that was my week.  What have you been up to?
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Saturday, 2 July 2016

Let's Encourage Older People To Keep Learning And Get Them #BreakingBarriers

By 2050, 15.6% of the global population will be older than 65.

That's a staggering statistic which has huge implications for how we treat our elderly people, for our healthcare services, our pensions and, arguably, the structure of society.

Age shouldn't stop older people from pursuing new hobbies
We are all aware of the double edged sword that is saving for a pension at a time when, although we understand the reasoning behind providing for our old age, the performance of many pension funds is so woeful many of us are relying on the Government to fund our retirement.

And when we do retire, given that we are all living longer, what are we going to do with our time - assuming we are lucky enough to have reasonable health and mobility?

I am 52 and already I can sense that the tide has turned in terms of job opportunities for my age group.  And it's ridiculous. All that knowledge, expertise, training and honest-to-goodness street smarts often put out to grass when a bit of creative management would allow younger and older workers to buddy up, share responsibilities and learn from each other.

As a society, we really need to change our attitude to older people and the elderly themselves (even that word seems inappropriate) need to be encouraged to keep learning, developing and growing without fear of censure from younger generations.

Just because an older person may have mobility issues or require some adaptation to their living quarters such as a walk-in bath or safety rails, it does not mean that their brain is not as quick and agile as it always was.

After all, we are making huge strides in our battle against diseases such as cancer and are learning more and more about how we may better treat and prevent diseases such as dementia, strokes and heart disease.

Our chances of living to a ripe old age are increasing daily and even if we do face mobility challenges, there is a whole industry which has sprung up with innovative products to help us cope.

Of particular importance is helping our older people to remain socially active and a part of their local community.

Bathing Solutions, who specialise in mobility bathrooms are running a brilliant campaign for elderly people called #BreakingBarriers.

The campaign aims to change the perception many of us have about older people by encouraging them to break the social barriers that often face them by learning new skills.

Bathroom Solutions are encouraging older people to learn the importance of #BreakingBarriers
It's encouraging how many older people are getting online, Skyping and using Facebook.  There is a whole range of hobbies or skills they can take up and Bathing Solutions' Breaking Barriers campaign page has links to great resources for some of these such as knitting, Pilates, learning a new language, learning to speed read and cooking like Mary Berry (I need that one!).

The campaign page also allows you to search for courses on your chosen interest in your local community, perhaps in DIY & Practical Skills, Photography or Horticulture & Floristry.

My parents are 77 and they both enjoy their weekly art class.  It's not just the painting they love, but the social interaction and friendships they have made across a range of age groups.

We know that loneliness kills - literally - and it's so important for our elderly to continue to be fully participating members of our society because they still have so much to give.

We really need to ensure that our senior citizens keep #BreakingBarriers.

Find out more at www.bathingsolutions.co.uk/breakingbarriers/


*This is a collaborative post.

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Friday, 1 July 2016

New Releases, Free & Bargain Books Link-up 1 July 2016



How are you all this week?  It's a big day here in Wales as we're all biting our nails in preparation for tonight's Euro 2016 match against Belgium.  Even my love of Hercule Poirot won't stop me from supporting our boys tonight!

And at least it's a bit of relief from the political upheaval caused by Brexit.  I can't believe the referendum was only a week ago. It feels like 6 months have passed.

If you want to avoid the politics, as usual there are plenty of great books to escape with in this week's linky. I hope you have a peaceful week!

Here are the fab books on offer this week.  You're sure to find something that takes your fancy.

Sharing the Love of Books
Enjoy our selection of New Releases / Free & Bargain Books this week

Click HERE for this week's awesome selection.

Authors please feel free to add your own books
Readers please free to add your own finds
(any genre except erotica welcome)

This weekly link up is hosted by Beck Valley Books & these awesome book loving blogs...
Monday
 Life as Leels | IrishdaisylovesRomance | Book Babble | All Romance Reader
Tuesday
It's My Side of Life | Celticlady's Reviews | First Time Mommy Adventures | Bound 2 Escape
Wednesday
Beck Valley BooksA Library of Reviews | Cinnamon Hollow Reviews
Thursday
Miki's Hope | Taking Time for Mommy | Nicki's Nook
Friday
Ebook Addicts | I Love Romance | A Bit Bookish | Mother Distracted | Colorimetry
Saturday
Totally Addicted to Reading | 3 Partners in Shopping | Angie's Angle I Creat Purty Thangs | Wishful Endings
Sunday
Lynchburg Mama | LibriAmoriMieiAli - The Dragon Slayer | Wondermom WannabeMy Bizzy World |  Deal Sharing Aunt 


For Pre-orders post - PRE-ORDER / genre / title /author
For New Releases post - NEW / genre / title / author
For Free Books post - FREE / genre / title / author / end date 
For Bargain Books post - SALE / price / genre / title / author / end date
(Strictly no Erotica please.  Steamy romance is fine but watch those covers people, incase any underage child is viewing it!)

Click HERE for this week's awesome selection.

And don't forget you can always add some of your own!
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Beck Valley Book Tour: Executed In Paradise by Deborah Brown



When a body turns up at the Cottages, Madison and Fab are on the case. But when the killer makes a habit of discarding bodies on Madison’s property… it’s personal.

While on the hunt for the killer, the duo track down a double-crossing bail jumper, repossess a Lamborghini, and Madison lands her first case.

As more bodies pop up, the cops are eager to name a suspect. When a close friend is arrested as the prime suspect, Madison and Fab will stop at nothing to prove her innocence, but will they be too late?

Executed in Paradise, the ninth book in the scorching Paradise series about best friends who maintain the peace in the paradise of Tarpon Cove through unconventional ­– and highly entertaining – measures.

The Paradise series, are Florida Keys mysteries, “great as stand-alone reads, but they're like chips...you won't be able to devour just one!”


Available to buy from.....

"The Paradise series has it all! There is action, mystery, murder, romance, humor, & the greatest friendship of all time." 


"Multiple story lines made it impossible for me to put it down. The suspense, humor, love, romance, and of course touches of sarcasm, make this book the best one yet."

"I absolutely love the stories of Fab and Madison. You never know what is going to happen next. Adventures, drama, love, and all the humorous situations they find themselves in make wonderful reads."
Above reviews from Goodreads/Amazon

My Review

I love the Paradise series by Deborah Brown and this latest, Executed in Paradise doesn't disappoint.  The terrible twosome Madison and Fab are at large once again cleaning up crime whilst managing to bicker and joke the whole time.  

It is the strength of their relationship which I think is at the heart of the success of the Paradise novels. Madison and Fab are like the best mates you wish you had whilst suspecting that you could never keep up with them, or their handsome boyfriends, Creole and Didier.

The pace of the story is as hectic as usual as the girls rush from case to case, solving some by the skin of their teeth and enjoying winding up Brick, Fab's boss in the process.  It's great to see Brick develop some grudging admiration of Madison at long last.

All the usual characters are there, Spoon, Madison's mother, and even Brick's pneumatic and vitriolic receptionist who hates Madison and Fab with a passion.  Then there are the strange collection of tenants at The Cottages, including a dead stuffed cat and a Professor with some very odd habits.

Executed in Paradise works well as a stand alone story but the rest of the series is so enjoyable, I highly recommend that you check them out.

About the Author



I've been writing, in one way or another for as long as I can remember; writing poetry, short stories, a romance novel secretly stashed under the bed and sappy love letters. Fiction should be fun. I wanted to create the perfect beach book, to make the reader laugh, cry and cheer... and then run out and tell their friends about it.

My love of reading began when I was seven, the day I opened the cover of my first Mrs. Piggle Wiggle book. Mrs. P gave lessons to other children in how to behave and to me I learned to love the written word. I live with my family and demon children aka rescue cats in South Florida.

Find the author on the following sites...

Also available in the Paradise Series




Follow the Book Tour
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I received this book to review through Beck Valley Books Book Tours, all the opinions above are 100% my own.
NOW FOR THE AUTHOR'S GIVEAWAY



Win $25 Amazon.com Giftcard / Paypal Cash
(winners choice)
Open Worldwide
Ending on Thursday 7th July at 11.59pm EST


Enter Below and Good Luck !!
a Rafflecopter giveaway
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Thursday, 30 June 2016

13 Budgeting Tips For July To December

We are half way through 2016 already - and I suspect many of us are very glad about that, given the year it's been so far.

Image credit:  TaxCredits.net


Back in January, here at Hobbis Towers we resolved that this would be the year we made sure we budgeted properly for Christmas and Caitlin's birthday.  I also have nieces and a nephew with birthdays in November, December and January.  It's quite an expensive time for us.

Lots of you started the 365 Day 1p Savings Challenge. This is a great way to save over £650 by the end of the year by saving the number of pennies which matches the number of the day out of 365 / 366 days in the year.

But have you kept it up?  I must admit I tend to fall a bit behind then make one large payment to cover what we owe!

On day one, 1st January you save 1p.  by 1st June, the 153rd day in the year, you're saving £1.53 and so on right up to the 31st December where, this year, you'll be putting away £3.66 as it's a Leap Year.

We found our template at Skint Dad.

The 365 Day 1p Saving Challenge

It's easy when you start off but as you get later into the year, you're paying over £2 - £3 per day into you savings jar - but this is still about the price of a coffee each day.

By the 31st December we will have saved £667.95 if we can stick to the plan.

You could still start the plan from 1st July and have around £500 by 31st December.

Otherwise, now is a very good time to sit down with your budget sheets and check that your outgoings are not exceeding your income.

I like to list any big ticket items coming up in addition to birthdays and Christmas and check we can cover them.  Both my car insurance and our house insurance fall in this second half of the year and we need to allocate enough time to get a number of quotes.

Unless it's a very good deal we never accept the automatic renewal premium quoted by our insurers as we know that the best deals often go to new customers with loyalty rarely being rewarded.

You can find an excellent guide to budgeting, including a template from Martin Lewis on the Money Saving Expert site here.

Here are some useful tips you may find handy to save some cash or get your finances in shape for 2016 Part II - all road-tested by the Hobbis family.

Lots of them you will already have heard of but it never hurts to have a reminder, does it?

Use Direct Debits (1)

Arrange to pay your bills by direct debit - including your credit card bills. It is too easy to forget to pay your monthly credit card bill which means you accrue interest and your credit rating may be affected - even by missing one payment.

Check out Guarantor Loans (2)

If you need a loan but your credit history is poor, or you haven't yet built up a credit history, take a look at guarantor loans where you can borrow up to £10,000 if you can get someone else to guarantee your loan for you. This means that if you have trouble paying, they will step in and make the repayments for you. Make sure you understand all the terms and conditions you are signing up to though.

Do your comparison shopping (3)

Don't buy anything online without checking whether there is a voucher discount code or cash back available from sites like topcashback.co.uk, myvouchercodes.co.uk or dealsdaddy.co.uk.

Invest in a restaurant discount card (4)

You can save significant amounts off eating out and taking kids to the cinema with a subscription card like Tastecard which can quickly pay for itself as it has loads of 2 for 1 deals or 50% at restaurants around the UK.  We use ours at Pizza Express for example.

Take a thermos (5)

Invest in a thermos.  When you out and about you can save a fortune on coffee shop lattes or just fill it with water to keep it cool and carry a Robinsons Squashd mini squash pod to give the kids a drink.

Get off and walk (6)

Walk some of the way - get off the bus a stop or two earlier.  It's a great way to build in some extra exercise.  In general we try to leave the car at home as much as possible to save on fuel costs.

Create a kids' party stash (7)

Buy kids' birthday cards, wrapping paper and party presents when you see them and in the sale. Create a mini stash so that you won't be caught out when that party invite card appears and you have 2 days to find a present.

Use your loyalty cards (8)

If for no other reason than that you might accrue enough points to give yourself a mini treat to perk you up when money is tight. I find that the Boots Advantage Card is quite generous, although Boots is not the cheapest chemist by far.  It does mean that I can have yet another red lippie to cheer myself up completely free.

Check out Ebay and learn how to snipe (9)

I saved a fortune buying kids' clothing bundles for my two when they were younger and I learned how to use a bid sniper which automatically bids for you up to an amount you specify to hopefully win the item during the final stages of bidding.  You know when a bid appears from nowhere topping yours and snatching your coveted item from under your nose, or when the price starts to rocket?  That's bid sniping in action.  You never know when they're there but you can do the same.  Try Goofbid.com where you can set up your own sniper using your current Ebay log in details.

You could also sell lots of the toys, books and kids' clothes you no longer want on Ebay too. Be aware though that there may be sellers fees and listing fees, plus an extra charge for using Paypal.  You need to do the maths to ensure that you are actually making a profit.

Create a savings jar (10)

At the end of each day, just chuck your loose change into it - perhaps 20ps and 50ps.  You'll be amazed how the total will rise or try the 365 day 1p savings challenge I mentioned earlier.

Check out Aldi and Lidl (11)

Since we swopped to Aldi about 9 months ago we have saved a small fortune.  I would say our weekly shopping basket (including the odd treat like a bunch of flowers or sweets) is about 30% less than the big four supermarkets without sacrificing the quality.  In fact, the quality of some of the produce is better.

I have also found that items such as Easter eggs and particularly their Christmas produce is excellent and much cheaper.  If you prefer to have everything branded, Aldi and Lidl may not be for you but I think once you see how much you save, like me, you'll probably wish you had started shopping there earlier.

Buy Own Brand rather than Premium Brand (12)

If you don't have an Aldi or Lidl near buy, you can also save quite a bit by choosing the supermarkets' own brands.  Very often food stuffs are produced in the same factory and then packaged into the different brand packaging with the accompanying variation in price.

We have tried this with various success, the only notable failure being coffee.  Pricier though it is, we still love our Gold Blend.

Write your Christmas present list now (13)

Lastly, I know it is ridiculously early but write your Christmas list now - particularly what you plan to put in the kids' stockings if you have them.  I always find it's relatively easy to budget for their main presents but I end up spend way too much on bits and pieces to go in their stocking.

Why not assign a financial limit for things like Christmas stockings and start to buy small items as you see them to avoid that mad panic in the last week of December. It's also a good time to buy teachers' presents or the general gifts you might give to people like your milkman or the window cleaner.

Hide them all in a drawer somewhere out of the way of prying eyes and little fingers.

The trick with all these tips is to work out ways to save money without compromising on your quality of life.  It can be done.

If you adopt some of these tips then you may be able to create a Christmas fund to relieve some of the pressure on your finances at the most expensive time of year.

*This is a collaborative post
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