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Kitting Your Kids Out On A Budget

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New coats, shoes, school uniform, jeans, jumpers – the list is never ending when you’re kitting your kids out for winter.

 

Money saving mum of two, Kayleigh Hughes, who blogs for PromotionalCodes.org.uk, has put together her tips for clothing your children without breaking the bank.

 

Hitting the charity shops and car boot sales are among her tips, as well as checking out online auction sites.

 

Kayleigh is also a regular at end of season sales and knows all the tips to bagging a bargain at the right time.

 

Kayleigh said: “Kids clothing can be a big never-ending bottomless pit of money. Just as you get sorted they grow out of them and you have to start over again but there are some great ways that you can save money.

 

“Charity shops are a great place to pick up a bargain and more often than not you can find great items with the tags still on.

 

“Car boot sales are brilliant for baby clothes as are new to you sales which are specifically for babies and children.

 

“It’s always worth checking out sales on the high street too. Wait till the sales are almost over and prices at their lowest and you’ll be surprised at how little you’ll pay.”

 

Here are Kayleigh’s tips for kitting your kids out on a budget.

 

Charity shops

Finding treasures in charity shops can be great for savings. I’m a regular visitor and the number of items I’ve found for my boys still with tags on is crazy.

 

I’ve found tops, pjs, trousers, shoes and much more and I’ve never paid more than £2 for an item. You do have to make regular visits, as you won’t find everything your looking for in one shop, but after a few visits you will find lot of items that can be ticked off the list.

 

Car boots

I love car boots for baby clothes. I bought a lot of things for both my boys from car boot sales.

 

Babies grow out of clothing so fast that a lot of items I found were either brand new or only been worn a handful of times. I always came across boxes of clothes, mostly 50p an item, and after a dig around for the best bits I could kit my boys out with bags full of items for a lot less than buying brand new.

 

Online sale sites

Places like eBay and Gumtree are great for finding new or nearly new unwanted items for kids.

 

When Jax was tiny I bought quite a few bundle deals of clothing from eBay. I’d pay around £5 for a big bundle of often labelled items that were in great condition which meant I could get a whole wardrobe full of clothes for him for a fraction of the price I’d pay in store.

 

Same with Gumtree – keep your eye out for bundle deals of unwanted clothing items. One of the great things with Gumtree is you can check the quality of the items before paying for them so you can make sure you’re buying quality items.

 

Sales

Buying for the next season is a great way of bagging deals. For example buying for winter in summer and vice versa. You can save so much doing it that way.

 

Also, unless there’s an item you have your eye on, don’t rush to the sales as towards the end the prices will drop to the lowest and that’s the best time to pick up great savings.

 

Last summer I got my son JJ four pairs of winter boots in the sale in various sizes as they were only £2 a pair. They started at £12 went to £8 in the sale but in the last few days were reduced to £2 to get rid of them. That was the perfect time to buy them for the next few years.

 

New to you sales

Very similar to car boots but they are specifically for baby and children items and are great places to grab nearly new bargains.

 

They are always advertised online so take a look and see if you can find one in your area.

 

ENDS

Ways to cut workplace spending

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From ditching your walk to work coffee, making your own lunch and swapping the car for the bus, there are lots of ways to slash your workplace spending.

 

That’s according to the money saving guru’s at PromotionalCodes.org.uk who have looked at the ways Brits could cut what they spend while they’re at work.

 

Splashing out on lunch and a morning coffee could set you back hundreds and that’s before you treat yourself to an afternoon snack.

 

Making small changes like taking in leftovers, swapping your bottled water for tap and avoiding the shops, could save you a fortune.

 

Darren Williams from PromotionalCodes.org.uk said: “Being at work is about making and saving money, not spending it.
“A few simple changes can make all the difference. Ditch the morning coffee on your way in and straight away you’ve saved over £12 a week. Over a year that’s a whooping £650.

 

“Take the bus instead of the car and you’ll not only save on petrol, you can also ditch the pricey parking you shell out for. Even better, pull on your trainers and walk to work. It’s free and you’re exercising at the same time.

 

“The changes we’ve suggested are realistic and easy to achieve, and after a few weeks you’ll start to notice the difference where it counts – in your purse.”

 

Here are the top tips from PromotionalCodes.org.uk to cut your workplace spending.

 

Ditch the coffee

Instead of buying a pricey coffee on your way to work, why not make it when you get there? You’ll only have to hang on a few more minutes and if your boss provides tea and coffee making facilities, you may as well use them. If they don’t, invest in a cheap kettle and a jar of coffee.

 

Make your own lunch

If your regular workday lunch is a meal deal, then you’re shelling out around £3.50 a day, or £17.50 a week. Annually, that’s a shocking £910. So make your sarnies or take leftovers and you’ll be spending pennies.

 

Bottled water for tap

If you grab a bottle of water along with your morning coffee on the way to the office – stop. Instead invest in a cheap water bottle and fill it up from the tap whenever you need a drink.
Cut out the chocolate

An afternoon snack can set you back up to £1 a day. Over the course of a week that’s £5 and a grand total of £260 a year. If you really can’t resist a sugary treat, buy in bulk and save yourself a few pounds.

 

Leave the car at home

Try swapping the car for public transport or if you live close enough to the office, go on foot instead. You’ll be cutting down on petrol and parking costs and if you chose to walk to work, you’ll be getting fit too.

 

Ditch the gym membership

If you usually head to the gym at lunchtime, ditch it and instead go for a brisk walk or run instead. You’ll save your annual membership and will get fit for free.

 

Avoid lunchtime shopping trips

If you have a lunchtime spending habit, then avoid hitting the shops and don’t be tempted by a bit of window shopping. Instead take your book into work or take a walk away from town to fill your lunch hour.

 

Shop in the sales

If you can’t resist heading to the shops and do need to snap up a few bits, head for the sale rails. An hour gives you just enough time to pick up a few bargains without going mad – and remember, question whether you actually need the item before it goes through the till.

 

ENDS

The Dos and Don’t of Home Security

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A comprehensive list of the dos and dont’s of home security has been revealed following news that more than half a million homes in Britain have been broken in to over the last 12 months with an average haul worth £2,267.

According to a damming study Brits are giving burglars a helping hand, with only a third of people owning a burglar alarm or security windows, less than one in five relying on light timers and only one in ten having external security cameras.

Of 1,500 UK adults polled, more than 75 per cent believed their home was secure – but 55 per cent had suffered a break-in. And it’s not the elderly who are most at risk – the 16-25 age group is TWICE as likely to be targeted as the over-75s and almost three times as likely to have no security measures in place.

Nest Head of Product Marketing Lionel Guicherd-Callin said: “As the value of items stored in outbuildings has increased, our security measures have not kept up

“Traditional security measures, such as alarms, often don’t extend to property outside our physical home, and so outdoor cameras – which are a great visible deterrent and now more accessible than ever – are a powerful home security addition.”

Here are the Top Tips from home security experts – on both sides of the law

DON’T:
● Leave valuables on show through your windows.
● Advertise you have pets in the house – it’s a sign you don’t have an alarm.
● Leave tools outside your home that could be used to break in.
● Leave calendars or notes that show when you’re away near windows.
● Let your hedges become overgrown and obscure entrances.
DO:
● Make your front door look as secure as possible.
● Invest in visible home security, such as an alarm or camera, to deter thieves.
● Use your security products. If you have them installed, make the most of them.
● Install a letterbox cage so burglars can’t reach through and ‘fish’ for keys.
● Get to know your neighbours – they can be a second pair of eyes for you.

New or Used: The best way to buy your first car

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The decision to buy your first car is one that should not be taken lightly, especially considering the large financial commitment you’re getting into.

Fortunately, an infographic by British car dealership Motorparks aims to take the stress out of this situation by offering an impartial look at both the new and used car markets.

Take a look at the visual and you will learn:

  • The advantages and disadvantages associated with buying a brand-new car.
  • The pros and cons associated with purchasing an older vehicle.
  • The average costs you should be expected to pay for a new and used car — though be sure to check out this motoring costs calculator if you have a specific vehicle in mind and would like to figure out just how much it’ll set you back.
  • Some illegal practices to be aware of when searching for a used car, including clocking, cloning and cut-and-shut procedures.

Find out whether you should be shopping for a new or used car when it comes to your first set of wheels by looking through the full infographic below…

motorparks-buying-your-first-car-full

 

Bonfire night on a budget

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Tot up the cost of fireworks, sparklers, hot dogs, and a few drinks to keep you warm and bonfire night can be a costly affair.

 

Money saving mum of two, Kayleigh Hughes, who blogs for PromotionalCodes.org.uk has put together her tips on keeping the costs down on 5th November.

 

Kayleigh loves celebrating with her family and friends, but works to keep the costs down and make every penny stretch.

 

Pre-planning an evening with friends and family and taking advantage of organised displays are among her tips.

 

And if the night is extra chilly, watching with a bowl of soup from an upstairs window is another of her top tips!

 

Kayleigh said: “If you’re lucky with the weather bonfire night can be great fun for the family, everywhere you turn there are fantastic fireworks lighting up the sky.

 

“As with everything though, it can set you back a few pounds. Fireworks are really expensive – your cash really doesn’t stretch far when you start shelling out.

 

“It’s always worth finding out if there are good organised displays close to where you live, and if not, splitting the cost and doing something at home with friends and family.”

 

Here are a few handy tips from Kayleigh, on how to have a great bonfire night without breaking the bank.

 

Finding an organised display

My parent’s house is just a few minutes away from a big hotel called Belton Woods and every year they do a big massive firework display. It’s always a bit pricey to get in but with my parents’ house on a hill you get a perfect view of the fireworks.

 

As a kid my dad and I would sit in the upstairs window with hats and scarfs on and mugs of soups and watch the display – all the fun with no cold and no cost.

 

In my town, the local fire brigade for as long as I can remember, have always held a Bonfire night bonfire and fireworks display. Over the years it got bigger and now there’s hot food and drink stalls, sweet treats and doughnuts and a few other things. It’s always free to get in with the only cost being food if you choose to have any.

 

Check out your local area and see if anyone if arranging an event.

 

Fireworks at home

You can also make it a social occasion. Fireworks can be expensive but if you make it a social evening you can all spread the costs. Decide who’s bringing what and if everyone brings something – for example, one brings burgers, another salad, some else brings drinks – then everyone can enjoy a great bonfire night without the cost.

 

This is something we have done before with friends and family. As we hosted we bought the fireworks but then everyone else was more than happy to bring something and we had a fab night.

 

If you are doing fireworks at home it goes without saying, please be careful. You can’t take chances when it comes to bonfires and fireworks. Don’t forget to check any bonfires for animals before lighting them, hedgehogs love nothing more than a pile of comfy warm leaves and twigs so have a poke around before lighting to make sure no critters have moved in.

 

From the comfort of your warm house

If you want to stay out of the cold altogether then heat up some soup, pick a spot by the window and sit back and enjoy all the fireworks going off around you.

How to Select the right Manufacturing Software for your Business

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It is imperative that you choose the right manufacturing software for your business so it functions as efficiently as possible. This software has the power to help improve your business by leaps and bounds, but only if you choose the right kind.

You will need to make a point of looking for manufacturing software that is highly flexible and scalable so you can use it to match the specific needs of your business. If you want software that is going to help your business become more productive as a whole, it is very important that you make sure the kind you use offers a comprehensive solution.

The very best manufacturing software has an open module architecture. It should also support purchase management, project management, customer relationship management and finance management. It’s also a good idea to look for software that offers strong security, because you absolutely cannot be too careful when it comes to your own business. These days a lot of this software offers reporting tools that will provide you with vital information, so you will need to keep that in mind as well.

Make sure that you look for manufacturing software that can be utilized by all departments within your company, because otherwise you will just be wasting your money. It is very important that the software you invest in allows the individual departments of your business to work together in a more fluid, efficient manner.

Take the time to go online and look at some of the top-rated manufacturing software products on the market right now. The more time you take to do this research, the better your chances will be of getting exactly what you need to make your company more productive as a whole.

It will also be necessary to decide how much you want to spend on manufacturing software. Take a look at your budget and come up with a number that seems reasonable. While it’s true that the money you spend on this software could be a great investment, you will not want to go overboard. After you take enough time to research your options, you should be able to find one in particular that will match your needs while allowing you to stay within your established budget.

Before you decide on a certain manufacturing software product, you will definitely need to request a demo from the company. By trying out the demo you will be able to get a sense of what it is like so you will know whether or not it will benefit your business. You will find that most companies are willing to provide potential customers with demos, you just have to ask.

As long as you take the time to do the necessary research and examine all of your options, you should find the right manufacturing software to meet your company’s needs. There are a lot of these software products, but not all of them are going to be right for your business.

Common Misconceptions About The Value of Website Design to Small Businesses

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Small business owners are already familiar with the competitive nature of the market, particularly if you are an Atlanta web design company. Unless you provide a unique type of service, every small company will face an uphill task in terms of winning potential clients and customers. Other than setting yourself apart with high quality service or product, these days it’s essential that you have a good marketing strategy too. The digital age brought new dimensions of marketing with it, and many business owners fail to recognise the tremendous value an online presence brings with it. We decided to debunk a couple of myths that surround this segment in order to help out small business owners.

Graphic Design Is Expensive

This is completely false. You can consider something to be expensive when the value you receive for the cost you pay is not adequate. When you hire a designer, you pay a one-time fee for a service that is basically endless. No matter how your potential clients find about your business, the first thing they will do is to look up your website. In the age of high-speed internet, your website is basically your sales pitch. So consider that you pay a one-time fee for a sales pitch delivered thousands of times over. You will rarely get the chance to make the first impression twice, so it would benefit you a lot to make it a good one. Look at it this way, what a trailer is to a movie is what a website is to a small business. You can quickly determine the importance of having that trailer being well-designed.

Everyone Can Make A Website

While this statement is true, it is also an argument for why you should consider hiring a professional designer to create your digital footprint. You want to stand out from your competition, not blend into the sea of “homemade” websites. It is not at all easy to create a presentation that faithfully reflects your brand. Visual identity matters and graphic designers spend years mastering the skill of translating your message to your audience. So yeah, everyone can make a website, but that doesn’t mean that everyone should!

Customers Don’t Care

This is a common misconception that promotes the opinion that your customers don’t care about your business after they buy your product. Completely false! You must have heard many times that a key to good business is repeat business. Your website needs to maintain a relationship with your future and existing customers alike. Knowing how to achieve that is what graphic design is all about. Investing in this area will pay dividends for as long as you are in the business. Creating a recognisable brand that customers can relate to will make them interested – invested – engaged, in that order. And that is a tremendous value for the price you are paying.

We’ve only touched on this subject in broad strokes without going into too many details. This is because every business is different and it requires a unique approach in terms of design. The only thing that is universal for all small businesses is that there is  undeniable value in devoting time and money into this key area of marketing.

British Workers Set for a Dark Winter

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The sun gives us life, it keeps the plants growing and can give us a great tan. However, in the winter months, sun light is a precious commodity and unfortunately for British workers a new report by Get More Vitamin Drinks has found that the average office worker is only expected to get 52 minutes of daylight a week.

According to the research many people will leave for the office before the sun comes up around 7:45am and leave after it goes down at about 4pm in the afternoon.  It seems us Brits just can’t catch a break; in the summer, we are plagued by hay fever and in the winter, we get no sunlight at all.

It has also been found that workers can’t be bothered to go outdoors to stretch their legs at lunch saying the weather and gloomy outlook puts them off.  Whilst we may feel that staying indoors is good for us at the time, in the long run it appears to have the opposite effect. The findings indicate that due to not getting out at lunch afternoons are often spent with people feeling lethargic and unproductive. This means even if the weather is off-putting at lunch time it’s important for Brits to force themselves out in to fresh air.

Being lethargic and unproductive aren’t the only issues we have to worry about, 36 per cent will also feel grumpy and 34 per cent feel unmotivated. Being unmotivated in the workplace is not a great position to be in and this is something the report highlighted as a cause for concern.

The strain on productivity

No matter the season Brits still have work to complete, so how is the dark sky effecting our productivity in the office? According to the research if we have been sat at our desk all day four in 10 find themselves day dreaming while 24 per cent start to make lots of mistakes. This is worrying, in the current situation the UK finds itself in as we negotiate Brexit we need everyone to be bringing their A game, especially in the office.

It seems we need to remember to manage our time better and realise that outside of all the emails, meetings and deadlines we are all still organic beings and environmental factors affect us greatly. Staying at our desk all day may not actually be the best option presented to us. As with everything else, it appears to come down to quality over quantity.

To fight or embrace?

Outside of the office things don’t appear to get any brighter. The report found that 28 per cent of people will socialise less and 18 per cent won’t bother popping in on friends. Instead, Brits will eat more food, drink more alcohol and lead an altogether unhealthier lifestyle.  In all it appears as if the UK truly live a mole existence when it comes to the winter months. But should we feel bad about this? Should we force ourselves in to the cold and make more of an effort in the winter? In the UK especially we seem to have an emphasis on being the most productive we can be, gong to cultural events, exercising, eating well, managing finances – perhaps it would be nice to take the winter off? Apparently, some Brits do embrace the excuse to take it easy. The study indicates two thirds of people will watch more movies in winter, 14 per cent will play more computer games and four in 10 people will spend longer in their pyjamas.

When it comes to the office we do need to find a way we keep productivity up in the winter months but past home time I’d advise us to all take it easy and make the most out of having an excuse to do nothing.

A boss of a construction firm and his accountant stole £6.9 million from the taxman to live a life of luxury.

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The crooks did not hand over VAT or the tax and national insurance contributions of hundreds of staff and contractors over two-and-a-half years.

Instead Bentley driving accountant Aquil Ahmed, 60, bought properties in the UK, USA and Turkey and took multiple foreign holidays, including trips to Dubai and the Monaco Grand Prix.

Company director Victor Shearer, 43, laundered his £1.2 million cut through a bank account in Gibraltar.

He then spent vast sums through bank transfers, cash withdrawals and by debit card, on property and high-living, ski holidays, cars and treating friends, family and clients.

Payroll administrator Christopher Azzopardi, 37, up to his eyes in debt was paid £60,000 a year, double the usual bookkeeper’s wage, for his role in the fraud.

Shearer’s company, Leaner Logistics, supplied short-term contractors to the construction industry, mainly in London and the South East.

Often providing hundreds of workers at a time, Shearer turned to Ahmed’s Rochester-based accountancy firms to run his payroll and Construction Industry Scheme (CIS), in which contractors deduct money from a subcontractor’s payments and pass it to HMRC.

But rather than pay the tax and National Insurance, the duo stole the money with the help of Azzopardi.

Over time, Shearer introduced other clients to the payroll company, who also used this fraudulent scheme.

The trio tried to hide the business payroll fraud by using a complex network of British and offshore companies and bank accounts but were rumbled by tax investigators.

Sentencing Judge Macdonald QC said: “The loss to HMRC is just another way of stealing from citizens of the UK.”

At Maidstone Crown Court on Friday Ahmed pleaded guilty to three counts of cheating the public revenue and Shearer and Azzopardi were found guilty of the same charge following a six week trial.

Shearer and Ahmed laundered money through Gibraltar, the Channel Islands, the UAE, USA, Turkey and various property transactions.

They are both subject to financial restraint orders.

Ahmed, from West Malling, Kent, was sentenced to seven years and eight months and Shearer, from Kings Hill, Kent was jailed for seven years and six months.

Azzopardi, from Swanscombe, Kent was jailed for four years.

Chris Gill, assistant director of HMRC’s Fraud Investigation Service said: “These men were driven by greed, abusing systems that are designed to ensure workers are paid correctly and taxes paid to HMRC.

“They were all professionals who knew they were breaking the law, but as an accountant Ahmed was in a position of trust making his part in the conspiracy even more deplorable.

“These criminals thought they’d created a sophisticated fraud and that by operating through numerous UK and offshore companies, they could hide what they were doing.

“But our investigations are thorough and with assistance from authorities in Gibraltar we unravelled the many layers they’d created and they are now paying the price for their crimes.

“This investigation shows that regardless of the resources of those involved, or how hard they try to hide their crime, no one is beyond our reach.

“Tax evasion isn’t victimless, it is theft from public services used by us all.”

How Safe is Your Home?

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We’ve all been there, returned home and realised we don’t have the keys to get back in. This leads us to making contingencies such as leaving a key with the neighbour to insure we don’t get locked out again. One in ten savvy but reckless Brits also have a key hidden somewhere near the property, including under a plant pot, beneath a garden gnome and even buried in a flower bed.

When it comes to home security a new poll has found Brits can be lacking with 48 per cent admitting to keeping the windows open even when they aren’t at home. It appears that Brits trust in their neighbourhood appears to be up with a fifth of people leave their doors unlocked all or most of the time on a typical day.

Unfortunately, their trust seems to be misplaced as the poll of 2,000 adults by Canary Home Security, found that one in ten have been victim to burglars within the past year. So, do Brits only consider safety once they have been burned? One area that never seems to get enough attention is the emotional impact being burgled has. Most of us have home insurance and anything that is stolen can easily be replaced and with technology like the cloud, pictures and important documents are rarely lost forever. In truth, it’s usually not about the things that were taken but the violation of someone being in your home and the injustice people feel at having possessions they have worked for taken away in an instance. More than one in five have been so affected by burglaries they have taken time off work, while 29 per cent have experienced sleeping problems and around half said they are less trusting now.

I remember at 16 my grandparents’ house being broken in to. Whilst nothing was taken and my Nan chased them out of the house there was emotional damage. My Nan hated to leave the house after that, as she told me ‘It’s not about the things they could take, it’s about coming home and finding the place trashed and all of our things on the floor.’ It’s an experience that seems to be echoed by other victims, valuables can be replaced but feeling safe in your own home can’t.

For students, security is especially important, as burglars often see student residences as prime targets. You can check how at risk your student home is by using MoneySuperMarket’s burglary hotspots tool.

With that in mind it’s important to consider home security especially with the nights getting darker which typically sees a rise in the number of burglaries that happen. There are many things we can do to minimise the risk, 21 per cent rely on their dog to deter burglars and keep their home secure. This may seem foolish but when I was burgled last year one of the recommendations by the police officers was to put a ‘Beware of the dog’ sign on the front door. It appears that our canine friends are an efficient means of convincing burglars to keep walking.

Three times as many people think that a strong mechanical lock is more secure than a digital alarm system, and 43 per cent of respondents have never tested the home security they do have.

Before you mistakenly believe your house is secure why don’t you check out these top 10’s:

TOP 10 PLACES PEOPLE LEAVE A KEY:

  1. In the garage/outside store room
  1. Under a plant pot
  1. In a keysafe
  1. Buried in the garden
  1. Under the mat
  1. Under a windowsill
  1. Inside a fake lock
  1. Under a garden gnome
  1. In a dog house
  1. Under a garden ornament

TOP 10 EFFECTS OF BURGLARY:

  1. A loss of confidence
  1. Overly cautious with security
  1. Have become less trusting
  1. Lost sentimental items
  1. Was unable to replace certain items
  1. Sleeping problems
  1. Took time off work
  1. Kids were unsettled or unhappy
  1. Pet was unsettled
  1. Difficulties with insurers
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