At times kids can say the funniest things, and at other times they can increase my stress level to the point that I think my hair may fall out!

Luckily, and mainly so I don’t have to to check out hair transplant costs, one seems to balance out the other and my sanity remains.

Just…..

This week has been special, work has been at an all time high.  My clients are all amazing, but they have all wanted extra this week and the stress has been intense.

Not helped by the fact that my youngest threw up in the school loo on Wednesday, left it as proof, and earned herself two days off school sick.

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She has binge watched Netflix  – every day.

This week, my son lost his phone three times, his packed lunch twice, one school shoe, two tops and my patience many times over….

But luckily my daughter made me howl with the following comment.

To set the scene…

We were driving past the local football stadium, when my eldest child said with a tone of surprise.

I’ve just realised, most football clubs have names that reference the town in which they are based…..

My son, looked at her, with an expression that said  – you did not just say that….

But that was not the only gem to fall from her lips at that time.

She instantly followed up with…

Except Arsenal and Chelsea…..strange how they are different.

She has options in two years…. Lets hope she leaves geography alone

 

Gotta love kids!

 

 

 

 

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If you are like most people, you probably find that your transport or getting around costs you a lot more in general than you would want it to. There can be so many ways in which your car can ruin you financially, and often it’s not until it’s too late that you begin to notice just how it has done so. However, with more of an awareness of what is going on here, as well as the ability to make some real choice for change, we can hope to make it so that our cars do not bankrupt us any longer. This means we can then start to live in a more profitable and ennobled way, and stop throwing money away. Let’s’ take a look at how we can make it so that our cars do not rui us financially.

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Drive Efficiently

If you have never learned how to drive efficiently, this is something you might want to look into. The truth is that you can drive so that you are using a little fuel as possible, and it is pretty easy to do once you know what you are doing. The most important thing is to make sure that you keep acceleration to a minimum. This might sound obvious, but it means both slowing down the rate of acceleration and doing it less often. Do both of these for better results. However, you also need to limit braking, as this too costs money in the long run. You should also make sure that you’re changing gear at the right time, around two and a half thousand revs usually, and that you take the shortest route everywhere. All of this will add up to make a considerable difference to how much your fuel is costing you.

Shop Around For Insurance

There is no need to spend more than necessary on insurance, and yet so many people get caught up in poor policies which trap them in for a long time paying far too much and receiving far too little for it. The only thing to really do her is to make sure that you are shopping around as best as possible. The more you shop around, the better off you will be financially in the long run. If you take a look at sites like cheapautoinsurance.co.uk you will see how you can hosp to find some cheap car insurance without too much hassle – and this alone will vastly improve the amount of money you are having to part with to drive your car. Shop around and find yourself the best deal possible – there is no reason not to.

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Only Drive When Necessary

Finally, make sure  that you are only driving when it is really necessary. This way, you will expect to save on fuel, but you will also be able to make it less likely and less common that you need to go to the mechanic or have any work done. A long as you only drive when you need to, you will make a huge difference.

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OK, the title may be a bit incorrect: you shouldn’t forget the pennies altogether. Those small savings you can make from switching to cheaper brands and so on can add up to real savings if they’re spread over a long enough period. But if you want to save some serious cash, and quickly, then it’s high time you look at the big expenses – the ones that really eat into your annual budget. If you can slash the cost of these expenses, or think about them differently, then you’ll see that savings account moving in the right direction.

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Your Monthly Food Bill

UK households have always had to spend a large part of their salary on one of the basic requirements of living – eating food. And last year saw an additional percentage rise, as supermarkets ditched their promotions and a strong euro raised the cost of imports. If you’re still just wandering into the supermarket and picking up whatever you want off the shelf, then it’s time to rethink your strategy. Planning your meals and making a shopping list can dramatically cut the cost of your food bill – sometimes by as much as a third. Calculate how much you’re currently spending each month, and you’ll see that it’s not an insignificant amount of money!

The Essentials

Along with food, the other two big areas where Britons are spending their money is their housing and transportation. When it comes to your vehicle, you can usually get a much better deal by leasing your car from a company like Intelligent Car Leasing than by buying it outright; you’ll still have a car in your life, but it’ll cost you much less per month. If petrol is your issue, then step out of the driver’s seat from time to time. Public transport in the UK is very good and means you won’t be burning money (petrol) or having to pay for parking.

Avoidable Extras

It’s nice to have a few luxuries in our lives, but the reality is that things like a weekly trip to the pub and the like can cost our wallets dearly. Take a look at how much you’re spending on things like restaurants and alcohol, and you might just discover that you could have much more money in your bank account if you reduced these costs. Try and find other ways to entertain yourself at the weekend; hosting a dinner party or curling up on the couch are no poor alternatives to heading out – and you’ll be thankful for your decision when it comes to checking how much money you have left at the end of the month.

Matched Saving

No-one’s going to stop buying things like televisions, smartphones, and other modern tech. But if you do, consider putting the equivalent of however much you spend into a savings account. It might just make you think twice about parting with the cash, but if you do go ahead and buy, then at least you’ll also be making a wise financial decision at the same time.

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