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5 Ways to Cut Costs When You Are Buying a New Car

Buying a new car is one of the biggest expenses you will make in your life, second only to buying a house. However, driving is essential for most people as they need to get to work, socialise, and run errands. If you want to buy a new car without spending a fortune, here are five ways to cut costs.

Make The Switch To Electric

electric car

Electric cars are the vehicle of the future. With the UK government pledging to ban sales of new fuel-driven cars by 2030 it makes sense to switch early and get used to driving an EV. They don’t produce emissions which is better for the environment and many people believe they are safer to drive too.

Currently, an EV holds its value better than a fuel-driven car so it can be more expensive to buy. However, once you own one you will not need to spend money on fuel which could save you a fortune. EVs don’t have a lot of moving parts which means that maintenance costs are lower too.

Shop Around


There are some great deals to be had on car prices if you know where to look. Don’t settle for the first dealership you come across when buying a new car; shop around and see where the best bargains are. This can save you a considerable amount on your purchase.

Negotiate

Don’t be afraid to negotiate the price you want to pay with the dealership. They are in the business of selling cars and if they want to do the deal, they can make it worth your while. Asking for a price reduction may sound scary but it could save you a few hundred pounds. Even if the dealer won’t give you money off the car, they will usually throw in some bonus features for free if you ask nicely.

Lease Rather Than Buy

car door and key

Electric car leasing can work out incredibly cost-effective. You have to have a down payment, but this is a great deal less than the purchase price of a car. If you are leasing an electric car, you make payments monthly and often things such as servicing and maintenance are included. Companies such as ElectriX can provide more information on leasing, as well as great deals on chargers and insurance.

Research Tax Breaks

If you are self-employed or you drive a company car you will know that company car tax can be expensive. However, if you get the right car this can dramatically reduce the cost. This is because the government has offered tax breaks for cars that have low CO2 emissions. Electric cars come out on top because they don’t produce much pollution and hybrids get tax breaks too. Do your research and you can save a lot of money here.

Getting a new car does not need to be as expensive as you think. Use these tips to get a great price on the car and reduce your costs whilst driving.

5 Tips To Take Your Home Decor To Another Level

Knowing how to take your home decor to another level can be tricky. But with some time and patience, you can use these simple tricks to make your next project one you will love.

lounge


Pay Attention To The Smaller Details

From the finest print on a cushion to an overtly impressive pendant shade, when you look at a room, you take in everything all at once, even if you aren't aware. The entirety of the space impacts your mood and how you feel when you spend time in it. So you must pay attention to the smaller details that most people gloss over. A professional decorator can help you with the overall design. But you are the one who lives in the home. Because of this, you must choose patterns, ornaments and even materials that bring you maximum comfort and enjoyment.
 
Think Carefully About Your Lighting

One of the most overlooked aspects of decorating is lighting. This is a shame because there are many ways to light your home these days. One of the easiest is to maximize the amount of natural sunlight you can get into a room. You can do this with skylights, window replacement and opening up with glass doors. However, the sun doesn't last all day. And you can use layered lighting to boost the design aesthetic of your home. First, try choosing a main light, such as a pendant. Then use lamps and smart LEDs to complement it at various points in the room.

Use Art To Take Your Home Decor To Another Level

Artwork can elevate a room immensely. And although the art industry is worth $65 billion, you don't need to spend a fortune on a piece to add value to a room. You just need to find something that speaks to you personally and adds something to your overall design. Many people spend their lives curating a collection of art pieces that they can show off. But even as a modest collector, you can use artwork to greatly enhance the appeal of a room. Just remember to use complementing colours, and always hang your pieces at eye level for best results.

Don't Play By Design Rules

There are many rules when it comes to home decor. The law of three, hanging art at eye level, and symmetry. But rules, as they say, are made to be broken. So go ahead and live precariously. Because not all rules will apply to your project anyway. And bending them a little can be fun and visually appealing. For example, you can make better use of a small room's space by arranging furniture asymmetrically. And wall art doesn't always need to be positioned parallel when creating a display wall to show off your favourite pieces of various sizes.

Take Your Time And Try Different Things

Some people can take decorating far too seriously. While you should definitely pay attention to detail and think about what you are doing, you should also take your time. Unless you are under a strict deadline, take the time to experiment with different ideas you think you would like. After all, it's your home, and you're the one who has to live in it. Using the internet and sites like Pinterest for inspiration is a great idea. But you also need to figure out how you can make a design style your own. Otherwise, you will feel like you are living someone else’s dream.

Summary

You can try certain things to take your home decor to another level. These include paying attention to detail, experimenting with layered lighting and taking your time with ideas.

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Common Injuries At The Gym And How To Avoid Them

Exercising is fantastic for both physical and mental health. The NHS calls exercise a ‘miracle cure’ and the benefits are overwhelming. However, it’s important to exercise safely and carefully as there is always a chance that you could strain yourself or sustain an injury. 

woman lifting weights

In this article, we’ll take a look at the 5 most common gym injuries and how you can avoid them.

Groin Pull


Groin pulls are a common injury during exercise. They can happen when you’re running or when doing squats or lunges. Groin injuries are more common the older you are as your muscles and tissues will have less elasticity, however, they can happen to anyone at any age.

You can avoid groin pull by ensuring your inner thigh muscles are properly stretched and warmed up before exercising and by avoiding sudden movements (like bursting into a sprint) when your muscles are still cold.

Shin splints

Shin splints cause pain around your shins and calves. They happen when the tissues connecting to your lower leg bones are subject to repeated stress, making them a common issue among runners, including those who use treadmills at the gym. Some people are more at risk of shin splints than others, for example, beginner runners, dancers and people with high arches or flat arches.

Warming up properly before you run can reduce your risk of developing shin splints. You should also check your form, avoid running on uneven or hard surfaces and ensure that you’re wearing supportive footwear.

Equipment Related Injuries


Serious injuries can happen in the gym due to improper use of equipment or faulty equipment. Injuries can occur if hair, clothing, headphones, shoe laces or limbs become trapped or entangled in machinery or if you trip over or fall onto equipment. Heavy weights or unsecured machines can also fall onto and crush body parts. If you do sustain an injury in the gym that isn’t your fault, or if the equipment was damaged, you may be able to claim compensation for your injury.

You can reduce your risk of injury from gym equipment by ensuring that you’re confident using each piece of equipment and seeking guidance from a qualified instructor if you aren’t sure. You should also be sure to read any instructions or safety guides on the machine. When using gym equipment, don’t get distracted and don’t start machinery such as treadmills, for example, until you’re properly positioned and ready to go.

Lower Back Sprain

This can happen due to lifting too much weight, which will affect your posture when lifting and exercising and create poor form. To avoid lower back pain after exercising, maintain a flat back when lifting weights and engage your core muscles. You should also know your personal limits and avoid pushing past them.

Shoulder Strain

This is another common gym injury that often happens due to lifting excessive weight or poor form when exercising. Shoulder pain is often a result of rotator cuff injury that can result in swelling, inflammation, tears and discomfort when moving the shoulder. If this happens, it’s important to rest to allow your shoulder to heal. The best way to prevent shoulder strain is to strengthen your upper body muscles gradually and to only lift weights that your body can handle without discomfort.

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5 Tips On Saving For An Engagement Ring

If you’ve found the person you want to spend the rest of your life with, chances are you’ll be thinking about proposing. This is a grand gesture and one that signifies your commitment to another person entirely. You will probably want to accompany the moment with an engagement ring, which will act as a reminder of the event for the rest of your lives. However, the more desirable rings aren’t cheap and you may need to plan financially for some time before you can afford one.


couple kissing engagement


If you’re looking to save for an engagement ring – here are some tips and tricks to help you get there.


Research and set a final goal

The first thing you should do is get a rough estimate of the amount of money that you will need to save. If you’ve already got your eye on a ring, take note of the asking price and make this your end goal. If you don’t have a certain ring in mind, then browse some ranges and get an idea of how much you would be willing to spend. Once you have an idea of what figure you are working towards, you can start to plan your finances much more effectively. Open up a savings account and begin saving!

Track your income and expenses

You should be doing this already, but tracking your monthly income and expenses is the first step you should take when looking to save money. Understanding how much disposable income you have left to save and where your costs are becoming unnecessarily bloated is critical to be able to save faster towards your goal. Having a better understanding of your financial position through tracking income and outgoings is also fundamental in avoiding plunging yourself into debt which will hinder your saving efforts.

Cut costs where you can

Once you have identified all your monthly expenses, you can identify areas where you can look to cut costs. You may be spending hundreds a month on takeaway food, nights out or betting – all of which will significantly increase your outgoings and reduce the amount you have to save. Implement a strategy to stop yourself from spending unnecessarily on these things and you’ll be surprised how much more you are able to save at the end of the month.

Set monthly saving targets


Working towards a target is a good way to keep yourself motivated and on course to afford the ring that you want to give your partner. Set a goal that is realistic and achievable but also makes you smart with your money, so you don’t get sloppy with your spending. It could be £50, £150 or £500 a month depending on your income – having a timeframe and end goal will give you an idea of how much you need to save from your income each month.

Sell your unwanted or disused items


It’s not all about cutting costs, however. Earning some extra money will go a long way in boosting your saving efforts and helping to reach your goal faster. If you’ve got old clothes, games consoles, sporting equipment or anything else that you don’t use anymore – sell it on one of the many online marketplaces available these days. Put any income from this straight into your savings pot, but maybe keep it on the down-low to avoid arousing suspicion!

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Your Go To Guide For Effective Hair Removal Treatments

Shaving – why do we do it and where did it all start? In the early days of the 20th century, fashion for women was very modest, with little to no flesh on show, thus making the need for hair removal mute.

It wasn’t until 1915 that the underarms of female models were targeted in advertising campaigns for depilatory creams, popularising the removal of unwanted hair. Later fashion trends spanning from the 1920’s- 1950’s presented more revealing clothes that flaunted the arms and legs, and bodily hair was viewed as undesirable.

legs


Fast forward to the 21st century and shaving has become a daily practice for men and women the world over. Whether for hygiene purposes, cultural traditions or just to enjoy silky smooth legs – there is now an array of methods to choose from and I'm here to help you decide which method is right for you.

Waxing

Despite not being the most comfortable of procedures, waxing remains a popular choice due to its long-lasting results and silky-smooth finish. Using removal wax or waxing strips can be a little tricky to use on your own so it is often recommended this method be done by a professional.

Salons will often offer various types of waxing treatments with the following being the most common -

Hot Wax: Hot wax is usually an option for small, more sensitive areas such as the bikini line or underarms. It dries within a few minutes of application and is pulled against the grain to remove the hairs from the root. It can be repeated a few times in the same area without causing irritation.

Wax strips: More ideal for larger surfaces of skin that have finer hair, such as the thighs, shins, back, and chest. A thin layer of wax is applied and covered with a woven strip and, like hot wax, releases the hairs from the root when removed.

Before waxing the most important thing that you can do is exfoliate. Removing any layers of dead skin the night before will reduce the chance of ingrown hairs. Furthermore, for the best results, you should ensure that the hair is a sufficient length for the wax to be able to work – we recommend around half an inch.

Epilating

Epilating is a similar method to waxing whereby the hairs are removed from the root using small, motorised tweezers leaving a long-lasting result. The advantage that epilation has over waxing is that it can be used on shorter hair as well as being more convenient with less time and mess.

Due to epilating having a reputation of being one of the more painful options, it’s recommended that this method be used on larger areas with finer hair, such as the legs and arms.

It is important that you use the correct type of epilator depending on your hair type – for example, thicker hair will require an epilator with more tweezer heads and a faster motor.

Exfoliation is the epilator’s best friend and should be done before your hair removal session. This becomes more important with time as hairs can become finer with higher chances of becoming ingrown.

It is also recommended to apply a natural, preferably non-perfumed moisturiser or gel after use to soothe the skin and prevent irritation, especially in the more sensitive areas.

Laser hair removal

Laser treatment is an ideal option for anyone susceptible to pigmentation and ingrown hairs after shaving. This procedure involves shooting a laser light at the hair pigment which damages the follicle, thus, resulting in permanent removal. Unlike other treatments, laser removal usually takes a few weeks after the first session for outcomes to appear and around 10-12 treatments for the completed results.

A few things to remember before going for your treatment: 

  • Avoid tanning – both real and fake – the heat from the laser can burn the skin surface. Wait about 4 weeks before your appointment if you have a tan.
  • Avoid other hair removal treatments before your session – this can disrupt the hair growth cycle and the effectiveness of the treatment.
  • Leave approximately 5-6 weeks of hair growth before going to your appointment.

It’s safe to say that hair removal procedures have come a long since the beginning of the 20th century with effective treatments available either professionally or to do in the comfort of your own home. Be sure that you are doing the right treatment for yourself and your skin and if you are ever in doubt, always ask a professional.

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Check Points for Landlords While Renting Their Properties

Renting out your property, be it a house, a flat, or an office, can fetch you a handsome monthly income. In many parts of the world, people have made renting houses out and making it a permanent part of their regular earnings. They invest in building or buying a property often in a run-down state, doing it up, and then renting it to have a regular monthly income. However, renting property isn’t as easy as it might seem.



The responsibilities of landlords are vast and can often come with unexpected costs. If you are a landlord and planning to give your property for rent, here is a checklist that will help make the process smooth for you.

Fix the Rent Amount

The first step to renting your property is fixing your rent amount. You cannot fix an amount that you like, rather it is an extensive process, you have to research the market and see how tenants respond to different rent fees and what you are offering for that amount. To ensure monthly rent payments hit your bank account, the rent guarantee scheme helps you manage things.

Sign an Agreement

Both the tenants and the landlord can drift away from the terms and conditions, and to stay on one line, it is important to sign an agreement, to which the tenants and the landlord mutually agree. A legal contract between both parties ensures the safe handling of the rented property. Your agreement should be duly signed and the terms and conditions should be clearly put across.

Investigate the Tenants

To whom you are lending your property is quite an essential and difficult task. Before signing the agreement with tenants, do some basic checks. Not every person is reliable and failing to find honest tenants could mean they could default on payments or damage your property. Have an interview with your potential tenants, and check their ID and if they have the right to rent in the UK. Keep a copy of their important details and contact numbers so if an emergency situation occurs, you can contact them and you could present something as proof.

Prepare Your House

cleaning floor

Obviously, as you have expectations from your renters; similarly, they would also have certain demands from the landlord. They might want to have some changes in your property or some renovations, this is the time to do the DIY home improvements needed. You probably cannot get away with renting out the home as it is, without it being up to date and there is always room for certain improvements. Since tenants have to pay you, they become choosy, and because of the increased availability of rental homes, their expectations are much higher than in the past. Clean your home and ensure appliances are working and in good condition.

Understand Your Responsibility

Apart from the agreement that ensures guaranteed rent for landlords, the landlords also need to act responsibly in certain ways. The advantages of renting your property are numerous, such as the ease of tax breaks, and the ability to generate income that covers the bills and possibly even creates a profit. But being a landlord is a huge responsibility; you'll need to stay aware of repairs and maintenance, collect rent timely, work on your homeowner's insurance policy, and try to avoid wear and tear on your property by keeping an eye on your tenant's housekeeping skills. So before you decide to rent your property, do some research to ensure you are personally prepared for it.