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Commercial Cleaners For Your Business – An Investment Not A Luxury

Business

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30 November 2016

Commercial Cleaners For Your Business – An Investment Not A Luxury

Running a business is not an easy thing to do, and whether you’re the top business owner or a manager of an office or regional department, the day to day hassles, trials, jobs and things you simply must get done can seem never ending, with literally not enough hours in your working day to get everything done.

So, alongside the jobs you need to complete, the paper work you need to work through, the staffing issues you need to solve and that accounts that seem to be always be running behind, you also need to make sure that the place of work is tidy and clean, and if you have to do this yourself or delegate it to a staff member, the chances of it getting done to a very high level are small, if it gets done at all. And then quite quickly, the workplace becomes dirty, grubby and unclean, and whilst a quick wipe over here and there might please a few people, in the long run, it will do nothing for your overall staff moral and happiness.

And this is where it might be time to consider an office or commercial cleaner to take this one task away from you and your team, and whilst it initially may feel that this is a task that you could save money on by doing yourself or in-house, in the long run, it will be one of the best investments you can make for your company.

Still not sure? Here are just a few key reasons why hiring a commercial cleaner or commercial cleaning company for your business really is an investment and not a luxury.

A Much Better Job

If you hire the right company, then generally, specialists will do a much better job than just asking a member of your team to put the vacuum around the office, or indeed, the manager having to clean the bathroom in the few minutes they might have between phone calls and meetings. A commercial cleaning company will clean day in, day out and it literally becomes what they are good at, meaning that the job is done correctly, with the right equipment and end result.

Saves On Time

Time is money and money is time, so if you can save a few hours a day or a week, then this means more profit for the business and this really is something that a commercial cleaning company can save you, as they have a team of professionals that will come in, clean, make nice and then head off, either outside of working hours or during. The more time you save the more you can be working on the things that earn you money, and whilst a clean working place helps to increase performance, you doing the job yourself does not earn the business the bottom line return.

Ultimately Saves On Money

A commercial cleaning contract in the long run is actually cost effective, as the cleaning professional will get the job done well and quicker than a non trained professional, as no matter how much you love cleaning, until it is your day job will you never really be able to deliver a great end result in a quick time. When you do something every working day, you get used to doing it quickly but well, which is why you could save money when compared to doing it yourself or employing someone in house to take care of the cleaning routines.

Frees Up Your Team

Your employees or work team are there to do a job, and generally, they will not appreciate having to clean the toilet on top of their daily routine, and even if you share it out between staff members, the end result will still be someone being taken away from their core job. This just does not make sense, as you hire someone into a role that suits their skillset, and if you have them doing lots of other things, then their main role and performance could suffer in the long run.

A Happy Place To Work

None of us, whether we work from home or work in an office of a hundred people want to work in a place that is dirty or grubby, with stained sinks and dirty carpets, and quite frankly, why would anyone want to? A clean working environment helps to create a happy working environment, and endless studies, research papers and work place specialists will only re-enforce this, meaning that a clean work place will undoubtedly result in a much better performance from its employees.

Can Essential Oils Help You Save Money?

Sam Allcock

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29 November 2016

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Over the last decade, essential oils have grown into a big industry. Current estimates place the projected value of the world’s essential oil market by 2020 at $11.5 billion (£9.26 billion), making it one of the world’s fastest growing industries.

The reason for the rapid growth in popularity of essential oils is simple: they’re massively useful for everything from physical health to mental health, cleanliness, beauty, hair care and more. It’s tough to find a single aspect of life that essential oils don’t improve in at least one way.

But is it possible for essential oils to improve your financial life, much like they can improve your health and wellbeing? From replacing costly beauty products to simplifying everyday life around the house, you might be surprised to learn the ways in which essential oils can save you money:

Replace expensive skin creams

Great skincare products are far from cheap, with full routines from well-known brands adding up to hundreds of pounds every few months. Luckily for your wallet, essential oils such as argan oil offer many of the benefits of costly skincare creams at a fraction of the price.

Some of the most effective oils for skincare include geranium oil, lavender oil and cypress. Due to the strength of many essential oils, many skincare experts recommend mixing them with an existing skin cream or moisturiser to avoid potential skin irritation.

Earlier this month, People covered essential oils for skincare and beauty, noting that many of the world’s biggest stars are adding them to their skincare routines. Since essential oils cost a small fraction as much as many skin care products, they’re great cost-cutting products.

Simplify cleaning up and tidying

Did you know that essential oils double as powerful household cleaners? Since essential oils are highly concentrated, they act as a great alternative to chemical-packed detergents, soaps and other home cleaning products.

One of the easiest ways to use essential oils at home is as an all-purpose cleaner. Mix up to three drops of tea tree and lemongrass oil with hot water, then use them from a spray-top for cleaning surfaces in the kitchen and bathroom.

Essential oils also double as an inexpensive, organic bathroom cleaner. Try mixing four to five drops of eucalyptus oil and the same amount of tea tree oil with water for a simple shower and bathtub cleaning solution. Once you’ve cleaned up, rinse with water for a flawless bathroom.

Act as a cheap, healthy sunscreen

Finally, essential oils can be blended together to create an inexpensive, highly effective, organic sunscreen. Better yet, they can be stored long-term in a tupperware container to replace regular SPF sunscreen, saving you money and protecting your skin over the long term.

For a simple sunscreen blend, mix zinc oxide, shea butter, lavender oil and coconut oil to create a thick, comfortable organic sunscreen. For even better protection and healthier skin, try adding helichrysum oil to the mix.

Need to avoid mosquitos while in the sun? Essential oils can also act as a surprisingly effective, skin-friendly mosquito repellent. Blend citronella oil, eucalyptus and lemongrass oil with coconut oil to keep bugs away at the beach or in any other outdoor setting.

The cost of buying a car across the decades

Finance

Sam Allcock

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28 November 2016

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The cost of buying a car across the decades

Whether we’re proud petrolheads who love our cars or just need a reliable motor to get from A to B, vehicles are an important purchase – with more than 31 million sold every year in the UK.

But how much does the average car cost? A series of data cards looking at the economy across the last five decades shows that the price is closely linked to the size of our pay packets.

In 1975, when the Ford Cortina was the most popular model on the market, people paid £1,840 for a car. The average salary at that time was £1,809.

By 1985, when tastes had moved on to the Ford Escort, people earned £6,997 and had to pay £6,340 for a car.

Ten years later, the Ford Escort was still top of the tree, yet pay packets had grown a little quicker than car prices. The average salary in 1995 was £13,302, while the average car was £11,400.

That trend continued into 2005 – although by then the Ford Focus reigned supreme. Employees earned £20,215, while the price of the typical car was more than £6,000 cheaper.

By the time 2015 came around – with the Ford Fiesta now top dog – the average car price reached £21,164 and the average salary was £25,608.

It seems destined that salaries and car prices will be very closely linked, with manufacturers having to bear in mind the spending power of shoppers who need the help of a personal loan to take a new car off the forecourt.

This will be something to watch when it comes to self-driving cars, which will need to become ‘affordable’ before they can become a mainstream proposition. Ford, top of the charts in all of the decades listed above, reckons that will take until 2025.

What happens when you take on an IVA?

Finance

Sam Allcock

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25 November 2016

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An IVA is an effective debt management solution for those struggling to make the minimum repayments on debts of £7,000 or more and looking for an alternative to bankruptcy. While an IVA usually takes five or six years to complete, it ensures you make regular, manageable monthly repayments and, at the end of it all, you should be debt free.

But what happens when you take on such a solution? Let’s take a look at the IVA process and how it all works:

Step One: You speak to a debt advisor

There are debt management companies out there such as IVA Helpline, ready and available to offer free advice on your situation. They can discuss whether an IVA is for you and help you decide whether to go ahead.

Step Two: Take a close look at your finances

Sometimes, it’s easier to ignore your bank account and bury your head in the sand. But before you take on an IVA you must comb through your finances, listing the necessary income and expenditure costs and checking what is left over at the end of the month. Making yourself aware of your finances is a key step to regaining control of your debts.

Step Three: Work with a debt advisor to create a proposal

Once you have a good grasp of your finances and have selected a debt management service to work with, you will then be assigned an insolvency practitioner (IP) who will handle your ‘case’. They will ensure first that you qualify for an IVA and then look into how much you can afford each month – to pay back your creditors – after your living expenses.

Your IP will also take a look at your assets, such as any savings you may have or equity in your home and you will need to include these in your repayment. Be aware that you may have to remortgage your home to release any equity near the end of the repayment plan.

Step Four: Creditors review your application

Once your proposal has been submitted your creditors will then need to vote on whether to accept it. At least 75% in value of lenders you owe money to who vote on your IVA must say yes for the IVA to be accepted and if a certain lender is owed more money they will have more sway over the vote.

Step Five: Approval

Once creditors have approved you will start making your agreed monthly repayments. Your debt management company will do the rest and providing you keep to the agreement, at the end of the IVA the rest of your unsecured debt will be written off.

Some points to consider:

If you have debts with your bank, they may decide to freeze your current account. It’s a good to create a safe bank account before you enter into an IVA so you have control of your income.

Your IVA will remain on your credit report for at least six years after it is set up and will negatively affect your credit score. However, once you have completed the IVA you can begin taking on small amounts of credit again to build this score back up.

An IVA is an effective debt solution that will help you become debt free. It is important if you take on an IVA, you stick to the agreement and at the end of the agreement your unsecured debt will be written off.

3 reasons to delay your Christmas vacation until January

Finance

ABC Staff

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24 November 2016

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3 reasons to delay your Christmas vacation until January

Because you need winter sun, but all those Christmas presents might have set you back a bit.

#1 The flights are cheaper

Flying during the holiday season can rinse your budget quicker than Christmas shopping in Selfridges. However, travelling in January is the solution.

The most expensive time of the year to fly is between the 15^th of December and January 1^st, whereas flying in January is actually 15 percent cheaper than flying in November, and a massive 23 percent cheaper than flying in December.

#2 Hotels are cheaper too

Hotels are the second biggest budget killer on a holiday. But many hotels actually have sales in the New Year, so make sure you keep an eye on holiday vacation deals – which often include hotel deals.

New York is a great example, as they have Hotel Week in January, where they typically offer hotel rates of $100 to $300 per night, when the hotel would normally go for $500 per night.

#3 Eating costs less

The other large expenditure on holiday? Eating out. Fear not – most restaurants know that after a month of overindulgence, people don’t want to go out much in January. Which is why most restaurants will offer deals in the New Year, meaning you can eat just as much for a fraction of the price.

If you’re low on cash, make sure you prepare food at the hotel. If you run out of money while you’re there, Vivus can tide you over till you get home.

Christmas energy saving tips for businesses

Business

Sam Allcock

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23 November 2016

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Christmas energy saving tips for businesses

‘Tis the season to be jolly, but don’t be one of the UK businesses that waste around £9 million every Christmas by leaving the fairy lights on! No one’s saying you have to be Scrooge, though turning down that office thermostat by just one degree will save money and encourage your staff to get their Christmas jumpers on. However, the festive season can prove energy-costly.

Here are some top tips to make sure that you don’t return to the office after the New Year to a monster headache caused by excessive energy bills.

Switch it off

Standby is a well-known energy hog – equipment could still be using nearly 90% of its normal consumption. Monitors are the worst culprits, accounting for 50% of a computer’s energy use. Remind all staff to switch off before they leave for their Christmas break, but make sure you do a sweep of the office just to make sure, or use simple standby savers that can switch everything off at the click of a remote control. Remember that leaving one computer switched on could produce enough C02 to fill three life-size inflatable Santas!

It’s not only essential equipment that needs to be switched off – don’t forget the non-essential items like kettles, fridges and microwaves. Vending machines can gobble up £120 a year in energy costs. If there are likely to be staff in the building over the Christmas holidays, make sure you leave a kettle for a hot drink and ask politely if it can be unplugged after use.

Avoid a big freeze

Once everyone’s gone home for the holidays, turn down the heating to the bare minimum or change to a frost-free setting to avoid any pipes bursting if there’s a big freeze. This might be a good opportunity to have heating equipment serviced to ensure it’s running at maximum efficiency and take a look at pipe insulation so you can rest assured you won’t have any problems.

If you have any space heaters anywhere in the building, make sure those are unplugged too – otherwise you’ll be burning enough C02 to fill 77 inflatable Santas!

Be water-aware

Now’s the time to check all the plumbing, because those leaky taps can cost money if they’re allowed to drip away all over Christmas. Worst still, if a tap’s left on you could waste a colossal 3,500 litres of water in a week. Invest in a circulation pump so you have hot water on demand and staff don’t leave taps running while they wait for hot water and then forget about them.

Turn off the lights

Are all your office lighting and desk lamps are equipped with energy-saving LED bulbs? If not, do it now and you’ll start making big savings before Christmas. Make sure you have the right bulb for the right fitting and you’ll save even more. And then switch everything off when the last employee leaves for the Christmas break. Lighting the average office overnight uses enough energy to heat water for 1,000 cups of coffee! And you don’t want to choose wasted energy over that first thing in the morning coffee, do you?

If you need to leave lights on for security purposes, make sure they’re on a timer. Timer plugs are cheap and effective, and they save you money on your energy bills.

Goodbye fairy lights

It’s an office tradition: the Christmas jumpers, the Christmas tree, the tinsel and of course the fairy lights – hundreds and hundreds of them. The easy win here is to switch to LED lights, which use 90% less energy than incandescent lights. In fact, if every home and office switched just one set of incandescents for LEDS, we’d save £13 million over the 12 days of Christmas alone!

Putting the lights on a timer plug is a sensible idea when the office is manned, but leaving fairy lights – however pretty they look – lit in the office when there’s no one there is a fire risk. So don’t risk office safety just for the sake of a few twinkly bulbs.

Be energy-efficient all year round

Of course, any of these energy-saving tips could be used in your office all year round, because it pays to be energy-aware at any time of year. And there are some simple things you can do in the New Year to keep those utility bills at a minimum.

Keep heating bills to a minimum by turning the heating down in corridors and storerooms that aren’t frequently used.
Search out and draught-proof gaps in windows and doors: your employees will be more comfortable and you’ll save on energy bills.
Switch lights off when a room is no longer in use, and use lighting appropriately in meeting rooms and at desks.
Switch off monitors and make sure all computers use power-saving settings.
When equipment needs replacing, opt for the most energy-efficient replacement, from printers to kettles.
Investigate alternative energy sources like solar to help your business go off-grid.

So make energy-efficiency your New Year’s resolution. Merry Christmas!

Frugal Football Fans Pair European Away Clashes With Romantic City Breaks

News

Jack Peat

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23 November 2016

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Frugal Football Fans Pair European Away Clashes With Romantic City Breaks

Britain’s frugal football fans are pairing European away clashes with romantic city breaks to cut costs, new research has revealed.

Almost one in five British football fans will be jetting off for European football clashes with their other half this week. With Spurs away in Monaco, Man City in Germany and Southampton jetting off to Prague, many blokes have seized on the opportunity to book a city break with their partner.

Fifty-two per cent have travelled to a football match with their partner in the past, while 16 per cent have plans to do so in the future. Just half of couples will watch a football match together, however. A quarter of partners would prefer to head out to the shops surrounding the stadium, while a fifth take those ninety minutes to head out and explore the city.

But coaxing a partner to the match is easier said than done. A third have to plan a distraction that their partner will enjoy around the time of the match in order to appease them, while a quarter plan a romantic activity to make it up to their beleaguered beloved.

Spain is the most popular away day for Britain’s loved up couples, while France and Italy also provide a draw.

Ahead of this week’s clashes Expedia has created the ultimate European football away game travel guide for fans looking to take a break, giving a break-down of information on all key European cities.

Shoppers can make a real difference this Black Friday

News

Elliot

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21 November 2016

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Shoppers can make a real difference this Black Friday

The busiest shopping weekend of the year is fast approaching but one online retailer is offering a feel good alternative to Black Friday.

EthicalSuperstore.com has pledged to donate a grocery item to the UK’s busiest food bank for every order over £30.

The site, which offers ethical alternatives to a wide range of household products, is also offering shoppers a 20% discount off everything from Thursday 24 November and until midnight on Monday 28 November.

The retailer hopes to emulate the success of a similar offer it ran last year, when it donated a total of 1576 grocery items, worth more than £1500 to the Newcastle West End food bank – the busiest in the UK.

EthicalSuperstore.com has become an essential resource for Britain’s growing number of ethically and environmentally aware consumers.

Now in it’s tenth year of trading, the site allows shoppers to buy fair trade, organic, and eco-friendly merchandise and currently features over 5,000 products.

For every order over £30 Ethical Superstore will donate products that have been specifically chosen by the food bank, including essentials such as pasta, rice and oats.

The Black Friday offer is an addition to a number of charities which the ethical retailer supports every year.

The Newcastle West End food bank is one of the retailer’s preferred charities and around £10,000 is raised annually to help feed poor families across Tyneside.

Michael Nixon, from Newcastle West End Food Bank, said: “We are the busiest food bank in the country, mainly because of the large areas of poverty we have here in the parts of the West End of Newcastle.

“More than ever people are under intense financial pressure and more people will be using food banks this winter. As the weather turns colder and people face increased heating bills the need will only grow.

“The generosity of the people of Newcastle is amazing so we are encouraging people to give a little this Christmas to help families in need.

“With this generosity and help from businesses like Ethical Superstore with their donation scheme, we want to make sure families are properly fed and don’t have to choose between whether they heat their home or properly feed their family.”

Peter Leatherland at EthicalSuperstore.com, said: “Black Friday has become synonymous with crowds of people clamouring to get discounted technology products at well-known high street stores and supermarkets, but we want to do something a little different.

“Our feel-good Friday provides customers with 20% off products as well as giving something back to the community through donations, helping those families who truly need it.

“We want to raise awareness of food banks, hopefully encouraging our customers to think about others and perhaps donate to their own local food banks and good causes whilst hunting for bargains during Black Friday.”

For more information on the Black Friday offer please visit www.ethicalsuperstore.com/giving-on-black-friday-rather-than-taking/

New array of devices that can help in making your retirement planning easier

Finance

Sam Allcock

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19 November 2016

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New array of devices that can help in making your retirement planning easier

When you plan for retirement, you plan for a secure financial future. You cannot take your finances lightly in your golden years because one misstep could lead to bankruptcy or poverty. If you need assistance with calculating finances or securing investments, you cannot go through the process alone. Have a close look at the following new array of devices. They’re meant to help you create an effective, long-term plan for retirement.

Plan Your Budget with “You Need a Budget”

By the time you retire, it might be a good idea to know what you need to survive on your own. There are unexpected times when your budget reaches an amount that you did notpredict. Then, you must learn how to save and spend money more wisely. Find a budgeting tool that helps you improve money management skills.

You Need a Budget is an app with videos and tutorials that offer suggestions on good budgeting tips. Import your financial information into one central system that allows you to track years of spending and savings. Saving all your life means nothing if you cannot manage. Use this device on the Web, iPhone, Android, iPad and Apple Watch. Try the free monthly trial and pay $60 after it ends.

Control Your Investments with “Personal Capital”

Investing for retirement is a skill that takes plenty of research and practice to master. You can consult a very expensive consultant to help you, which takes more out of your investments. Another option is to find a good, free investment app online. Personal Capital is used by many retirees to track their investments. The cash flow analyzer allows you to monitor investing habits every day, week and month. For visual-minded people, there is a free retirement planner with easy-to-view charts and graphs.

With the investment checkup tool, know about the investment portfolios you currently have along with the net worth and performance of each one. Before you buy, use the fee analyzer to check the fees of your investment accounts. From fees to updates, the data is given in real time so you get results right now.The free app, designed for Android and iOS phones, has all of the same benefits as the website.Use this Personal Capital tool on your computer, smartphone or tablet.

Take Good Care of Personal Finances with “Moneydance”

Using a Web-based bank is the most modern way to manage your finances. You need an online banking system where your financial details are secure and you can use the device anywhere. Moneydance makes it easier to control all of your financial transactions manually or automatically. Create graphs and reports to display your information, set up reminders about upcoming transactions and more. Moneydance has simple tools to help you with your personal finances. The device works on Windows, OS X or Linux operating systems. For a limited time, try the free trial and pay $50 after the end date.

Keep Track of Finances with “My Calculators”

Sometimes, all you need is a really good calculator. There is more than the basic, cheap calculator you buy at the store. My Calculators is a free tool for the management of your savings, retirement, investment, 401k or rate and yield plans. Make calculations on the amounts you need to spend and save for each account you have.On their website you have an array of great tools you can use, from loan calculators and rate-yield calculators to retirement and 401 (k) calculators and more. Make your pick and prepare for a relaxing retirement. It’s always best to stay organized if you want to travel someplace nice when you reach 60 or live comfortably without stressing about budgeting.

Even for elderly people, the newest trend these days is to use apps. You can do almost anything on apps, and that includes budgeting, investing and managing your retirement plan. As a retiree, find financial apps that are easy to understand, straightforward and convenient when you are on the move. Most of the tools are free or affordable, so you can afford a helpful resource for your retirement. Find one or more apps designed to help you take better control of your finances before and after retirement.

How to handle Black Friday like a pro

Finance
News

Elliot

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15 November 2016

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Checking the returns policy, doing some digging before you hit the shops and bringing a bargain buddy are some of the top tips on how to make the most of Black Friday.

The penny-pinching gurus at PromotionalCodes.org.uk have come up with the best ways to exploit the major discount event.

Pointers include tactics on how to tackle the manic shops, like prepping in advance, looking in unexpected areas of the shop and having a tag team system.

They also include ways to take advantage of Cyber Monday too, like signing up to retailer websites before the day, so you don’t waste precious time at the checkout.

There are also handy reminders on how to avoid temptation over the weekend, so you don’t waste your hard-earned money on purchasing items just because they’re in the sale.

They’ve also highlighted the pitfalls stores may get you to fall into, like signing up for special offer store credit cards that cost you more in the long run.

Darren Williams from PromotionalCodes.org.uk said: “Black Friday has always been huge in the States, but it’s only in the past few years it’s started to become a big deal in the UK.

“Last year there were chaotic scenes at some of the stores, but if you keep your head screwed on there doesn’t have to be pandemonium at the checkouts.

“Taking a friend with you is one of the best tips, they can help you find your most sought out treasures and can act as a stabiliser when you need to stop spending money.”

Here are the site’s do’s and don’ts for Black Friday.

Don’ts

Don’t buy just for the sake of it

The price tag might make it seem like an amazing bargain, but do you really need it? And if it’s a present for someone, ask yourself, will they really like it? Just because you’re making a saving doesn’t mean you’re getting your money’s worth.

Don’t wait in line for a shopping trolley

Bring large reusable bags to carry your items so you don’t have to make the rookie mistake of queuing for a trolley. If you queue, you could potentially miss out on important things you want to purchase.

Don’t assume a good deal is a great deal

Hold off a little longer for Cyber Monday, especially for smaller items as there’s a high chance your item will be even further reduced.

Don’t treat it as last chance saloon

Black Friday is a great time to save money but it isn’t the only time of year you can make huge savings. If you can’t get your dream item for the price you want, don’t settle. Wait until January sales or summer discounts.

Don’t be fooled into store credit cards

Stores might try and entice you to sign up to their credit card scheme for an extra discount. This is a big no as you’ll still be paying for the items months after and it will encourage you to spend over your budget.

Don’t overdo it

Try not to tackle your whole Christmas shopping list in one day. Restrict yourself to purchasing no more than seven items per store, this way you can lift the pressure off yourself a little. Remember, you can always purchase online through Cyber Monday as well.

Do’s

Do check out online and paper ads

Cut out ads from papers and bookmark your favourite sales online to help remind you what you really want.

Do pull up apps whilst you’re shopping

Did you know that despite retailers discounting items on Black Friday, there are still places online that are even cheaper? Find the most inexpensive place to buy the item you want before you hit the shops, then compare prices through your phone whilst shopping.

Do use coupons and vouchers

Don’t just stop at the store’s discount. When applicable try and use a discount voucher where possible, they’ll be lots available online specifically for the occasion. Also, remember to subscribe to emails from retailers you know you’ll be visiting at least 14 days before Black Friday, so you can keep up to date with their offers and weekend store opening times for the event.

Do check the returns policy

Chances are you’ll be buying things in a bit of a rush on Black Friday so make sure you’re familiar with the store’s returns policy in case your product is faulty.

Do your research

Make sure you plan ahead so you know exactly what stores you are going to and a rough idea of what you are going to purchase. It is also important to prioritise your shopping list with your ‘must-have’ items at the top. Then plan your trip in a way that gives you the best chance of getting everything you need before stock runs out. It is also important to make note of the store openings as well, because some open earlier than others.

Do go for quality not quantity

If a shop is advertising their Black Friday sale as one of the biggest ever with thousands of deals, be cautious. Just because there are a lot of deals, doesn’t mean they are necessarily all good. Stick to good honest savings on products you need to buy.

Do take a friend

Black Friday can get a little manic in the stores so take a bargain buddy with you but split up once you get there. Whoever finishes first can head straight to the tills to be on queue patrol, just put your items with your friend’s and pay them back after.

Do some digging

The shops are going to be chaotic so if you can’t find your item in it’s usual place don’t panic. Remember to scour every aisle and ask the staff if you still can’t find it.

Do get online early

For Cyber Monday that is. Save time by making an account with the retailer before the big day and update all your billing and shipping addresses. That way you can log on and simply press buy without putting any hassle on timed checkout baskets.

Do bring cash

If you are worried about being tempted into deals you don’t need then bring your budget in cash and leave the credit cards at home. Don’t ruin your hard work saving by spending more to compensate.

Do use social media

Before you out head out the door, have a quick scroll through your favourite store’s Twitter feed, they may update it with exclusive deals only available on social media. If you are getting deals from supermarkets, follow your local one for updates on how busy the store is and how much stock is left.

Commercial Cleaners For Your Business – An Investment Not A Luxury

Can Essential Oils Help You Save Money?

Replace expensive skin creams

Simplify cleaning up and tidying

Act as a cheap, healthy sunscreen

The cost of buying a car across the decades

What happens when you take on an IVA?

3 reasons to delay your Christmas vacation until January

Christmas energy saving tips for businesses

Frugal Football Fans Pair European Away Clashes With Romantic City Breaks

Shoppers can make a real difference this Black Friday

New array of devices that can help in making your retirement planning easier

How to handle Black Friday like a pro

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