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How To Quickly Pay Off Your Car Loan

Being in debt is certainly not fun and if you have a car loan that you want to get out of as soon as possible, then keep on reading. Car finance is usually the second biggest loan you'll ever take out in your life with a mortgage being the first. This is an ad.

The first step in getting started is looking over your loan agreement. There are many lenders that don't allow early settlement or even extra payments. In the event that they do, in many cases, they also charge a penalty fee. So, if you don't have to pay a fee, don't mind paying the fee or if the interest you'll have to pay in the long run is higher than the fee, then you can go forward with paying off your car loan as soon as you can.

Why should you try to pay off your car loan as soon as you can?



Well, besides the fact that you'll be out of debt, another good reason is that loans are quite costly. Also, the majority of vehicles tend to depreciate over time and it will take quite a long period of time before the value of the vehicle would be much more than the remaining balance on your car loan. In the event that you get into an accident and the vehicle is written off, you will still have to pay off the remaining loan amount to your bank or lender.

In the end, you could pay hundreds even thousands of pounds due to your loan's interest. By paying off your loan, you will reduce the loan period and lower how much interest you'd pay in the long run.

1. Refinance

You should always be kept aware of what’s going on in the financial markets. This is because there will likely be periods where the interest rates would reduce and during these times, you can actually refinance your vehicle. This can help you to get a much lower interest rate and even reduce the loan period.

2. Pay More Every Month

Next, if you're allowed to increase your monthly payments, you should consider doing so. For example, if your current vehicle loan is £300 per month, then you should consider if you can afford to pay more. Once you determine the increased amount that you can comfortably afford, you re-adjust your loan. By simply paying an extra £50 per month, you can actually shave off 2 months every year off of your loan period.

Another example to illustrate this is if you have a loan for £12,500 and you currently pay £259.48 every month and you still have 2.5 years to pay off your loan, then you actually reduce your loan term by as much as 5 months by paying an additional £50 every month.

3. Lump Sum


If you have some extra money, you can consider paying off a lump sum on your vehicle loan to reduce your overall term. So, based on the previous example, if you can afford to pay off a lump sum of £2,000, you can actually reduce your overall loan term by as much as a year.

4. Rounding Up Payments

Lastly, you can try to round up your payments every month to reduce the length of your loan. For example, you can round up each monthly payment to the closest £10. If you find ways to increase your monthly income, you can even round up your payments to the nearest £100. This is a very easy way to reduce your loan term and it is very simple to apply to your budget.

As always look carefully into any car finance agreements and check if there are any additional final payment amounts.

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4 Ways to Reuse Newspaper in Your Home

Although you can put your old newspapers straight into your recycling bin, newspapers can also have lots of useful uses around your home. Indeed, here at Kwiksweep the furniture removal company we recommend that you use newspaper in place of some other items in your home, that might not be as recyclable or biodegradable as a newspaper is. This is an Ad.



That way, by buying fewer plastic products, you will be helping do your bit to keep overuse of plastic down.

1. Gift Wrap For Presents

Whether it’s for something like a birthday or Christmas, we tend to spend a small fortune on gift wrapping every year. Not only is this money we could be saving, but most gift wrapping is also covered in foil or glitter, which means it cannot be recycled.

Instead, you can save up your newspapers or magazines and use them to wrap your presents. These can easily be dressed up with some ribbon to look fancier or you could even attempt to make a flower topper out of newspaper using an online tutorial.

Plus, although newspaper might not seem like the most celebratory of wrappings. It can actually look very effective – who knows, you might even start a new trend!

2. Padding For Packaging

Often, when we need to package something up, we will buy bubble wrap or even a padded envelope. The same goes for when we’re moving home, we want something padded that will protect our belongings.

Well, rather than opting for something with plastic, use old newspapers instead. Not only will this be much cheaper for you, it saves you from using unnecessary plastic use. Here you can wrap the newspaper around objects like plates and scrunch up bits of paper for items like glasses. You can even use your newspaper to bulk out any free spaces in your boxes for extra protection.

Plus, you can use newspaper when sending items in the mail to protect them!

3. For Composting

If you’re trying to get your compost pot going, some moist paper can really help you. Here just shred up some newspaper and add it into your food caddy. When it gets put into your compost bin it will be nice and moist and really help you get some nice, rich compost.

4. Shape Maintainer For Shoes And Bags

Unless you’re Kim Kardashian, it’s unlikely that you have a massive walk-in closest where all your shoes and handbags can sit nicely and be safe from getting squashed. Much more likely, is that you have to squish all your accessories into a relatively small space, which often knocks them out of shape – even ruining them.

Instead, to help keep your shoes and handbags looking new, just stuff them with newspaper to help keep their shape. You can even use newspaper to help stretch shoes or boots that are too tight, just overstuff them with paper and when you remove it, your shoes will feel more room.

These are just a few of the ways you can reuse newspaper around your home. Even better, in most cases, you’ll still be able to recycle your newspaper when you’re done with it!

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Tips For Choosing A New Cooker

The kitchen is often the busiest room in a home, with the cooker being the most used appliance. Putting up with an old stove? Maybe it's time to buy a new one.

Keep the following tips in mind as you shop for your new cooker.

Electric Or Gas Model



The first decision to make is the cooking method that you prefer. Some people cannot imagine using anything other than gas cookers and those who would not consider cooking with anything besides electricity. Both of them work well, and it is generally a matter of cooking preference.

  • Gas is less expensive than electricity.
  • Electric generally gets considered more precise
  • Gas allows you a bit more control.
If you cannot decide because you like both, you might want to think about getting a dual cooker. These cookers allow you to switch back and forth from gas to electric. They are perfect for the person who likes gas for particular dishes and electricity for others.

The Right Size For Your Needs


The size of the cooker depends on the needs of you and your family. A single stove is an excellent choice for small families and small spaces. If you have a larger family, love baking, or do a lot of entertaining, a double cooker is an excellent choice for your home. Dual cookers are convenient for special occasions when you need more cooking space.

Freestanding Or Built-In, Which Is Best For You?


Freestanding cookers slide into place in the kitchen. Built-in stoves have a designated space where they fit. A freestanding option is generally less expensive. They are also cheaper to repair if something goes wrong with any of the components. Built-ins have the benefit of connecting correctly in their place and taking up less floor space.

Energy Costs



Save money and help the planet by choosing an energy-efficient cooker. You will notice that the stoves have a rating with letters from A to G. These letters coordinate with the energy efficiency of the model. Models with an A rating are the most energy-efficient.

Great New Features

Cookers come with a variety of features. Many come with a self-cleaning option. Some have touch screen options, and some of the newest stoves can get linked to your smartphone. Cookers featuring safety options such as automatic shutoffs are also a fantastic idea.

Upgrading your cooker can help you save money on energy costs, making cooking more comfortable and better. All of the latest features work together to make cooking fun and simple.

Take a good look at your old cooker to see if it is time to upgrade. You may even be able to take advantage of the many discounts available on new stoves.

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Make Your Garden Grow By Following This Comprehensive Guide

Nothing quite compares to having a healthy garden. After all, healthier plants look way brighter and they add more character. If you want to try and get the best result out of your plants or garden in general, then these tips will help you to find out whatever you need to know.

Examine Your Plants Carefully



The first thing that you need to do is to examine your plants carefully. The easiest way for you to eliminate the disease in the garden would be for you to avoid introducing it in the first place. The main issue here is that getting a plant that is healthy can be difficult if you don’t know what a diseased plant looks like. If you want to help yourself here, then you need to collect a couple of books or even magazines so that you can see the features of a healthy plant.

If you want a basic rule of thumb then never buy a house plant which has dead spots, insects or even rotting stems. These issues can spread to your other, healthy plants and sometimes they can be very difficult to get rid of. In addition to checking the plant, you have to make sure that you inspect the root quality as well. You don’t often see people doing this when they visit a garden centre, but you certainly should. Place your hand on the soil surface and then hold the stem of the plant between your fingers. When you have done this, you can then invert the plant and see if you can view the roots. The roots should be firm and they should be spaced across the soil. Dark or mushy roots are never a good sign and even if the top appears healthy, it’s only a matter of time until you run into problems.

Use Compost

When you have a compost pile, you need to know that not all materials are going to decompose at the same time. Some materials might have degraded enough for you to put in your garden right away, but others might not have done. Composting generates a high temperature for a long period of time which will kill any pathogens in the material. If you have infected plant debris that has not gone through this process yet, then you may be introducing disease into your garden. If you want to work around this then you need to compost everything at the same time, without adding more until your first batch has finished. You can also buy compost if you aren’t sure.

Keep An Eye On Bugs

Insect damage on bugs is far more than cosmetic. Bacteria and viruses often only appear through an opening in a plant and bug damage will do just that. Some insects act as a transport for bacteria, taking it from one plant to another. Aphids are quite possibly the biggest carrier. Aster yellows is a disease which is transported by leafhoppers and they put your plant under a lot of stress. If you want to stop this from becoming an issue, then you have to make sure that you do everything you can to stop the disease in its tracks. Some bugs will be eaten by wildlife, so this is another option for pest control. If you want to try and attract wildlife where possible then Little Peckers have plenty of choice available.

Fertiliser

You have to be very careful when you fertilise your plants. If you have too much fertiliser in your garden then this may burn your roots and it will stop them from being able to absorb water as well. This makes your plants way more susceptible to heat, cold and drought. Plants that are starved for nutrients can also be badly affected by leaf spots, whereas a healthy plant can fight it off much more. If you want to really help yourself then it is always a good idea for you to get your soil tested. A local extension agency can provide you with all of the information you need to make sure that your nutrient levels are perfect, so you don’t need to worry about a thing there.

Of course, there are so many things that you can do to try and make your garden successful, but ultimately it comes down to making sure that your soil quality is good and that you don’t introduce disease by not checking plants over properly. If you follow this guide, then you should have no problems in making sure that your garden always looks its best.

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Win A Maybelline Make Up Bundle Worth £135 Ends 30/06

Once upon a time, I could say I was a 'professional comper', I entered competitions for the thrill of winning and won some lovely prizes over the years including a TV, Xbox, hampers and many short breaks. So I know how much fun it is to enter competitions and that's why I like to run them for my readers oo. 

Today I have got together with a group of fantastic bloggers to bring you a fabulous competition. We all know money is tight for some people, after being made redundant or furloughed, so we wanted to help by bringing you a full selection of cosmetics from Maybelline. This bundle is worth £135 and contains a range of products from mascara to lipstick. Maybelline cosmetics are available in most stores as well as online and they are an affordable, quality brand to wear.  I really love the Superstay products that last up to 24 hours, perfect for days out or working. The bundle we are giving away includes the following:


  • Eye Shadow Palette Blushed Nudes
  • Eye Shadow Palette The Burgandy Bar
  • Black Gel Eyeliner
  • Superstay 24h Color Lipstick in Creme Caramel
  • Tattoo Brow in medium brown
  • Lash Sensational Boosting Serum
  • Colossal Mascara Platinum Black
  • Face Studio Setting Powder
  • Master Contour And Highlight Stick
  • Lash Sensational Primer
  • Eye Shadow Palette Total Temptation
  • Tattoo Brow Micro Brow Pen Medium Brown
  • Cheeky Tint Blusher Nude Burn
So as you can see a really lovely bundle.





Who Brings The Competition To You?

The following bloggers are bringing this great competition to you, so please support them and follow their blogs.


Miss Tilly And Me / Being Tillys Mummy / Diary Of A Jewellery Lover / Stressed Mum / Me, My Life And The Tardis / Budgeting And Savings / Just Average Jen / Spilling Life Tea / Tilly's Travelling Telegram /

How Can You Be In With A Chance Of Winning?

For a chance to win a Maybelline bundle, just follow the instructions on the Rafflecopter. you need to comment with 8 words or more below with your tip for making make up last all day. You can also use the Rfflecopter for some extra entries into the competition. Entrants do not have to complete these, but the more you do enter, the more chances you have of winning. You need to be in it to win it.


Also, don't forget to enter my competition to win Dr Lamia luxury eye cream worth £100 here.

This competition was organised by Vicky and she can be contacted at beingtillysmummy@gmail.com for any questions about the competition.


Terms and conditions
The competition finishes on 30/6/2020
UK entrants only
You must be over 18 to enter this competition 
You do not have to do all of the entry methods, but entries will be checked. 
The winner will be notified by email if the winner doesn't reply within 28 days, another winner will be chosen.


a Rafflecopter giveaway

How To Buy A Carpet

If you are looking to buy a carpet for your home or work premise there are a number of things you need to take into consideration, including the type of carpet, what it is made of, the price and more. Let's have a look at these considerations and how to choose the best carpet for your home. This is an ad.

Where is it for?


Firstly you need to think about where you want to have the carpet fitted and why. 

Some areas such as hallways will have high traffic and may need a more hardwearing carpet and stain resistance whilst for some areas like bedrooms you may want a more luxurious plush carpet and stain resistance isn't something you want to pay for.  Bathrooms and toilets are probably suited to vinyl or wood flooring which is easy to clean and moisture resistant.  

Carpets can help insulate the room and provide noise reduction too so if you live in a flat or you want to stop noise from upstairs then a carpet is a solid choice. 

Some people also just like the look of carpet and won't have anything else in their home.

Type of carpet



There are two main types of carpet -  woven or tufted. Woven carpets are better quality and more labour intensive to make so will be more expensive. Most carpets sold in the UK are tufted.

Carpet is generally bought on a roll but you can also buy carpet tiles as well. Carpet tiles are usually suitable for hard-wearing areas and you do not need an underlay as there is a backing already on the tile making them a cost-effective option.

Underlay

An underlay is important for comfort, to help your carpet last longer and sit properly. Obviously, there is a cost implication to underlay which you have to budget for. Underlay can typically cost a third of the cost of the carpet depending on quality and design, so make sure you allow for this.

Stain guard



If you have kids, children or messy partners (You know who you are!) you may want stain guard applied to the carpet to repel spills and stains.  You can buy stain guarded treated carpets or apply the treatment after you have it fitted. Stain guard carpet costs more but may be worth the cost for peace of mind.

Fitting

You can fit carpet yourself but it is a big job. I find it best to pay to have a carpet fitted so this is something you need to budget for. Some companies will fit it for you but if not you need to find a reputable carpet fitter to do the job for you. You will probably need door trims and gripper rods but you may be able to use what you already have. 

Price


The price of a carpet varies on the amount needed, the quality, the material is it made of, the design and treatments applied. As stated before you also nee do allow for underlay, grippers and rods and fitting. 

As you can see there are many things to take into consideration buying a carpet and carpet can be a great choice for flooring in your home. Let me know, do you have any tips on how to buy a carpet? 

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