Support cancer research

This week I would like to dedicate my blog to my wonderful Mother-in-law. She finally lost her battle with cancer yesterday when she died peacefully in her sleep with all her family around her. We are deeply saddened but relieved she is no longer suffering.

  

Please help support this wonderful charity by donating here. Your money will help fund research across the UK to prevent, diagnose and treat cancer.

Rest in peace Dorothy a.k.a Len. 

May your memory live on. 

Love Nic x

Offer of the Day!

The sun is shining so this morning I decided to get my legs out! If the thought of baring all scares the bejesus out of you, why not try these tights from Tesco which are an amazing £0.33 per pair.

I am totally in love with them and go into a slight panic if I don’t have a pair in my sock draw. I discovered them in a snagging emergency and have never looked back. They look so natural and people are often surprised when I tell them I am wearing tights. They are really comfortable and the waist band isn’t so tight that it creates a spare tyre around your middle. I have washed and worn them a few times and they still look great.

My top tip – If you are wearing open toe sandals, try cutting just above your big toe and above your little toes leaving a small piece in between to make sure they don’t ride up your legs. With most sandal toe tights costing from £5 and up, these are a real bargain and at 33p who cares if you only get one wear out of them.

 

Why not give them a try and let me know what you think?

Happy Shopping!

Love Nic x

Lowering tuition fees -The facts!

In light of the recent proposal by Ed Miliband to reduce student tuition fees to £6000, I wanted to clarify exactly what this would mean for the student population of the future.

Here are some facts from Student Finance England which may or may not change some of your views on the matter.

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Students don’t pay any money to the universities upfront. However, once they leave university and are earning over £21,000 they will start to make repayments based on –

What they earn and not what they owe

I have included a table which shows how much students will repay. All figures are subject to final approval of the 2015/16 student finance policy

SFE repayments

Interest will also be charged on the loan and you can find out more information about this here

After 30 years any shortfall in repayments will be written off.

Example

Dave has completed a 3 year degree and starts a graduate job earning £21,000. Every 5 years his salary increases by £5,000. According to this year’s Student Finance England financial agreement, Dave would make the following repayments. (This doesn’t take into account any periods of unemployment)

SFE EXAMPLE

Scenario 1 – Based on Tuition fees at £9000 per year

Tuition fee loan =  £27,000

Maintenance loan =  £12,000

Total loan = £39,000

Shortfall after repayments = £9,570 plus interest

 

Scenario 2 – Based on Tuition fees at £6000 per year

Tuition fee loan =  £18,000

Maintenance loan =  £12,000

Total loan = £30,000

Shortfall after repayments = £570  plus interest

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As you can see from the example I have provided, lowering the tuition fees in Dave’s case would make no difference to the amount he would repay after the 30 year period, only the shortfall, which would be wiped.

Obviously not everyone’s situation will be the same but in my opinion, this change will only benefit high earning graduates who would pay off their loan in less than 30 years. Therefore based on the information I have gathered, perhaps it would be more beneficial to propose  lowering monthly repayments or the overall term of the loan.

I hope you have found this useful and I would love to hear your comments on this matter.

Love

Nic x

Offer of the day!

Buying out of season can save you £££. I picked up these snow boots at Matalan for the bargain price of £3!!

These will make the perfect addition to my ski wear from my first trip on the slopes earlier this year. I am already looking forward to wearing them on my next trip.

Have you picked up any winter bargains this spring? I would love to hear about them.
Happy Shopping

Love Nic x

 

 

Enjoy Easter for less!

The Easter holidays can be an expensive time of year for everyone. Here are my top money-saving tips to help you get by without burning a hole on your pocket.

Chocolate  

It wouldn’t be Easter without the chocolate, right?

bunnies

choc hen

 

 

 

 

 

 

 

These chocolate bunnies from Aldi are so cute and have the delicious price tag of £0.79

How adorable is this chocolate Hen from Lidl. You get much more chocolate than your average size egg for £2.99

Occupying the kids

Although I don’t have children myself, I understand that trying to keep the kiddies occupied without spending a fortune can be a real challenge.

Treasure hunt for under £10 – I discovered this a couple of years ago when I had my little cousins for the weekend and wanted to do something different. These are self-guided walks that usually take you around areas of local interest, looking for clues in order to solve the mystery. There are many different sites available but I used this one which offers treasure hunts in the Lancashire area and costs £6.99. You can either print the trail out immediately or it can be delivered by post. They suggest the hunt takes approx. 1.5 hours but we found that we wanted to spend more time at some of the locations along the way. We also took an hour to stop for lunch. Why not take a picnic to reduce costs even further. The kids really enjoyed it and I also learnt some interesting facts about my local area which I would never have known.

Arts and Crafts for £1 – If the rain comes pouring down and you find yourself stuck inside, why not get crafty with Poundland. They have some great activity sets including Easter egg paining, Easter egg hunt kit, make your own finger puppets and Easter bonnets plus lots more for just £1 each. 

 

 

 

 

 

 

 

 

 

Occupying yourself

It’s not just the kids that get bored over the bank holiday weekend and if you’re short of cash it’s not much fun at all. When was the last time you visited the local Museum or Art gallery? They are usually free and can be much more interesting than you remember from your school trips. Alternatively, why not have a look at one of my previous posts points make prizes to find out how you can use your supermarket points for free days out.

Food

As well as the chocolate, Easter is the time for getting the family together and having a nice big roast. Don’t feel like cooking? Why not get yourself down to The Harvester and check out their meal deal which is £10 for Adults and £5 for children. As part of the deal you get:-

  • A selected main course
  • Unlimited salad
  • Unlimited soft drink
  • A Sundae Best ice cream

They also have an Easter Egg hunt to entertain the kids (check out your local Harvester for more info)

Whatever you decide to do this Easter, I hope you have fun!

Love Nic x