Shopping guide

Why Should You Create and Stick to a Budget?

Posted on October 20, 2020 at 8:05 pm

Proper budgeting and its benefits cannot be over-stated! One of the biggest issues people and relationships face is financial instability. Having and staying within your budget will take an incredible amount of stress off of any individual or household.

Top Five Reasons for Keeping to Budget

1. Creating a budget helps you to determine what your long-term goals are and ensures you are able to plan towards working up to them instead of ‘just getting by’.

2. Sticking to the budget ensures you do not spend money you do not have. This is critical! Credit cards are a big NO-NO!

3. Budgeting help you plan for a happier retirement, by putting aside money for the future. Upon retirement you will be able to live more comfortably, not be forced to work longer than you would like and better enjoy the rest of your life.

4. A budget helps you be more prepared for emergencies. 2020 has definitely been a challenging year and showed us that we need to be prepared for the unexpected. You can do this by having an emergency fund in your budget and putting a little in, consistently. Then when bad things happen, they will have less financial impact.

5. Keeping track of your budget helps you recognise bad spending habits. You will be able to see exactly where all the money is going and that will help give you an idea of where you should spend less.

Posted in Shopping guide

Is it Time to Start Thinking About Christmas Shopping?

Posted on August 23, 2020 at 10:04 am

Are you sick of being broke in December and the following January because of Christmas? So many people wait until the last few weeks, before Christmas, to start their shopping and this is a big mistake! You should be considering Christmas shopping now or at least start planning so you can keep an eye out for sales, scheduling these items into your budget and getting the best deals, instead of panic buying at the last minute. What you can be doing now:

1. Make a list of who you want to buy for.

2. Decide how much you want to spend for each person.

3. Check what your budget will allow for from now until Christmas.

4. Create the list of items you intend to buy, check around multiple shops to see which one offers this item at the best price.

5. Mark dates on your calendar of when you are going to buy these items.

6. Budget these items in or start saving for more costly items.

7. If you are realizing you can’t afford to buy as much as you want, think about what you can make for someone. Christmas is meant to be a happy and joyful time of year. You should not let gift giving stress you out or over-extend your budget, putting you in a financial bind.

Posted in Shopping guide

Saving money with cashback accounts

Posted on May 12, 2020 at 12:41 pm

If you love to shop online, setting up a cashback account could be a great option to help you save money whilst you shop. Cashback websites work with other brands and companies to save you money while you shop with them.

Setting up an account is simple and quick, so you can start saving in a matter of minutes. All you are required to do is purchase your items via the link within the cashback site, and then once processed you will receive your money into your cashback account. This money can then be withdrawn later down the line.

Cashback sites include purchases of car and home insurance, something you will do yearly without thinking, well save while you do with a simple link from the cashback site.

Simple savings whilst you shop can go a long way and you will soon have a good amount saved up with minimal effort.

Posted in Shopping guide

What exactly is a fire-rated doorset?

Posted on March 5, 2020 at 1:56 pm

Fire-rated doors are extremely popular in commercial and industrial requirements where the risk of a fire is deemed high, such as a restaurant or food processing facility. They can, of course, be used in a wide variety of situations though, and they are most commonly manufactured of steel. In most cases, fire rated steel doorsets will offer many hours of fire protection (usually 4 hours), meaning they will deliver FD30, FD60, FD120, FD180 and FD240 certifications. 

As mentioned, these doors are ideal for applications in commercial and industrial premises; they can also be used as a connecting door from your garage into your home, but you must understand that such quality doors do come at a price. These are going to cost considerably more than your usual door, but the strength and durability they deliver is second to none. If you’re buying a top model that’s fully certified, you will, of course, have to pay a premium; however, there are many different manufacturers to choose from. You must always, however, make sure they are compliant with fire safety regulations, as required by UK law, and they should be specially designed to slow the spread of fire in an emergency. Like most doors, they are available in a wide range of styles, so whether you love a modern grey or a bold blue, you’ll quickly find a door of the right shade for your building. 

These doors are also used for high-security locations and settings, such as data centres, banks, cash handling, pharmaceutical entities and airports. Generally, the thicker the steel, the better protection you have for longer. When you consider the bond between fire safety and wall construction, there’s one main safety issue that these fire-rated doors can address. Normal wall construction usually incorporates elements that provide some protection; whether that’s drywall, plaster, or other sorts of insulation/material. These materials will retard the expansion of the hearth for a particular period of your time. Doors and windows are a different story altogether.

They are typically the smallest amount protected component of wall construction and act as expressways for the fire to spread throughout the structure. Fire-rated doors are therefore explicitly engineered and constructed to ensure adequate containment; thus, the fire (and the damage caused) stays contained rather than spreading. Most fire rated doors use steel, however, you will also come across glass, ceramic, or other insulated metals, or perhaps even a medley of all 3! If you’d like to learn more about these doors,s it’s best t read up about the different features online. Be warned; you’ll find no end of suppliers! 

Posted in Shopping guide

Off-The-Grid Solutions To Save On Energy Costs

Posted on January 18, 2020 at 10:48 pm

Are you worried about the costs associated with heating and cooling? Are your energy bills difficult to manage? If this is an issue for you, you might want to start looking at off-the-grid solutions. Here are some simple and effective tips that will help you to lower your energy bills.

There are two main types of ‘off the grid solutions’ but in this article we are referring to using wind, water or solar power to generate power, yet we have some more basic peices of advice to follow:

Many people don’t realise that dust could be contributing to their high energy costs. When vents and ducts are clogged with dust, your systems won’t be able to run efficiently. If you set aside a little bit of time every day for dusting, you’ll see a big difference in your energy costs.

Dusting can lower your energy bills, but it has plenty of other benefits as well. When you dust regularly, you’ll be improving the overall air quality in a building. Dust is a major allergy trigger, and getting rid of dust could help to improve your health.

If it’s difficult to keep a building hot or cold, it’s likely that there is an issue with the insulation that you are using. Insulation issues are a common problem for older buildings. Thankfully, it’s easy to upgrade your insulation to something better.

While you will have to spend money to improve your insulation, this is something that could wind up saving you money in the long run. If your insulation isn’t working for you, it’s clear that it’s time for you to switch to a new and better solution.

Sunlight can cause a building to become hotter, especially during the warmer months of the year. When you have strong curtains, you’ll have more control over the sun. The right curtains could allow you to spend less money on heating and cooling.

When it’s cold out, and the sun is shining, you can leave your curtains open so that you can keep the building warm without heating. In the summer, you can keep the curtains shut tightly so that it’s easier to keep the building cool. If you’re not using curtains, or if your curtains aren’t blocking out the sun, you’ll want to look at your options.

There are plenty of off the grid solutions available to you if you’re looking for effective ways to lower your heating and cooling costs. There are many people frustrated by the high cost of their energy bills. Thankfully, there are also many solutions available to you.

Posted in Shopping guide

Next Page »