Bunny on a Budget http://bunnyonabudget.co.uk A Budgeting Blog for UK Mums Sun, 30 Jul 2017 11:32:50 +0000 en-US hourly 1 Manicure Treatments on a Budget http://bunnyonabudget.co.uk/manicure-treatments-on-a-budget/ http://bunnyonabudget.co.uk/manicure-treatments-on-a-budget/#respond Sun, 30 Jul 2017 11:32:39 +0000 http://bunnyonabudget.co.uk/?p=502 A big trend that seems to be sticking around for good now is for a lot of us women to be giving a bit more care and attention to our nails. It seems to me that the go-to pamper treatment these days is a manicure, so much so that I’ve even heard of women choosing [...]

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MANICURE TREATMENTS ON A BUDGET e1501411677531 Manicure Treatments on a BudgetA big trend that seems to be sticking around for good now is for a lot of us women to be giving a bit more care and attention to our nails. It seems to me that the go-to pamper treatment these days is a manicure, so much so that I’ve even heard of women choosing to eat nothing but beans on toast for a week just so that they can keep their appointment at the nail salon!

So, now that getting your nails done is as much of a basic pamper treatment as getting your hair cut for a lot of women, the questions that I keep asking myself are “How much do these manicures cost and how can I enjoy the lovely feeling of having pampered nails without spending a fortune?” First we’ll look at how much you can expect to pay for the various options on offer if you get your nails done in a salon, then we’ll discuss some ways that you could cut the cost of getting your nails done significantly.

What types of manicures are there and how much do they cost in a salon?

OK, so there are usually 3 different types of manicures that women will choose from when visiting a salon, these being; Acrylic, Gel and Shellac.

Acrylic Nails have been around for a very long time, they are well known for being hard wearing, although this does make them less eco friendly. They are usually applied to your nail with an added tip extension so that you can choose the length of your nails. The product is a mix of both powder and liquid. Some people like to keep the acrylic nails clear so that they have the french manicure look, or once they have dried you can then apply some nail polish.

This is the most expensive option with the average cost for an acrylic manicure being around £30-£40. They should last between 3-5 weeks before you need a re-fill which is around £30.

Gel Manicures are a bit different from acrylic, instead of a powder and liquid mix, it is pretty self explanatory that it is a gel formula that is applied to your natural nail bed which is then cured under a UV lamp. They aren’t as hard wearing as acrylic nails, but they do have a more natural and glossy look. They come in polish type colours, but you can still add your own style in artwork too. A few people prefer to have a gel manicure because there isn’t the same chemical smell that you get from the acrylic nails.

The average cost for a Gel manicure is around £25-£35 which will then last you between 2-3 weeks, so they do need redoing earlier than the acrylics if you were wanting to keep them on as a permanent fixture.

You may have also heard about the new Shellac Polish that you can have. This is the name of a product created by CND which is a blend of gel and nail polish. It is applied to your natural nail bed and cured under a UV lamp. This treatment looks and feels just like a super nail polish. You can add some glitter or different designs to be creative and it will usually last you about 2-3 weeks.

The average cost for a Shellac manicure is about £20 so it is the cheapest of the three options.

So, if you are thinking of treating yourself to a trip to the nail salon, you will hopefully have more of an idea about what type of manicure you would like. However, as a mum of two I am fully aware that a trip to the nail salon may just be that bit too expensive, especially if you worry that once you have had your nails done you won’t want to go back to having boring nails again!

D.I.Y Manicure Kits

If this is the case then why not look into buying your own kit to do your nails at home? As treatments all consist of different things the kits will also vary in price. For instance, you can pick up an acrylic manicure starter kit on ebay for about £60. You may find that this is the trickiest of the treatments to do yourself so you might want to research how to do it on YouTube and maybe rope a friend in to help.

If you like the idea of having a gel manicure then a starter kit would set you back about £25. Obviously there are lots of different brands to choose from so both quality and price will vary, so it may be a good idea to do a bit of research first to find a brand that you like the sound of. Again, you may also want to watch a few videos on YouTube to help you along but it is a simpler procedure than the acrylic manicure.

If you fancy trying out a Shellac kit at home, then you may find it cheaper to choose another brand as the CND Shellac kits start from around £125. There are other brands that use a similar formula however that start from about £35.

Now obviously buying a kit does cost more than a singular manicure, so this only works out as a cheaper option if you know that you will use it regularly. Maybe you can arrange a regular pamper night with some of your friends where you do each others nails and enjoy some wine and chocolate too (which isn’t usually allowed in a nail salon!)?

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Tips to help your kids to decorate their bedroom http://bunnyonabudget.co.uk/tips-to-help-your-kids-to-decorate-their-bedroom/ http://bunnyonabudget.co.uk/tips-to-help-your-kids-to-decorate-their-bedroom/#respond Fri, 21 Jul 2017 15:37:33 +0000 http://bunnyonabudget.co.uk/?p=514 Whether you’re moving into a new property or you just want to give your home a lick of paint, renovations can be exciting, allowing you to transform your home into whatever you want it to be. Below, we’ve put together some top tips for helping your kids decorate their bedrooms. Give them a budget If [...]

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 Tips to help your kids to decorate their bedroomWhether you’re moving into a new property or you just want to give your home a lick of paint, renovations can be exciting, allowing you to transform your home into whatever you want it to be. Below, we’ve put together some top tips for helping your kids decorate their bedrooms.

  1. Give them a budget

If you know that you don’t want to spend more than £300 on your child’s bedroom makeover, make it clear and let them budget for their own renovations. Treating your project as a money-saving exercise can not only make it more enjoyable, but it allows your children to understand the value of money, and make sensible decisions when buying materials and accessories.

  1. Use the internet

Log on to an interior design website or use Google Images to get inspiration for your child’s bedroom design. You can then download your favourite wallpapers, images and furnishings, and put them all together in a mood board. Shopify has put together a guide to the best mood board apps for iPads, meaning that you won’t have to print out hundreds of images to get to the final result.

  1. Save time for the important things

As much fun as designing a new bedroom is, it’s important to think about the essentials of their new bedroom. Will they require new wardrobes, extra power slots, folding doors or even new windows? Make a list of everything that you want to include in your child’s new bedroom, and calculate the cost so that you can budget accordingly. A new carpet might sound affordable, for example, but can quickly add hundreds of pounds to your project and mean that you have to cut back on expensive furnishings or wallpaper. Budgeting is key if you want to finish their room without breaking the bank.

  1. Personalise

One of the simplest and most effective methods of renovation is by personalising your space – and, in the case of children’s bedrooms, giving them the chance to express themselves. Print photographs of their friends and family onto canvases to hang onto walls, buy cheap photo frames that you can stack on windowsills and bedside cabinets, or even consider using string and pegs and printing off your children’s favourite snaps to hang on a wall elegantly. Pinterest is great for bedroom inspiration – check out their photo wall page for more ideas of personalising your room.

  1. Let them help out

If you’ve got a spare weekend and want to transform their bedroom on a budget, then do some DIY and let the children get involved, too. Buy the appropriate protector masks, and let children help with painting and decorating. Remember that they should be supervised at all times and that you should not let them use any dangerous or expensive equipment. Giving your children control over their room will make them feel motivated, and make the job much quicker for everyone involved.

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How much do you usually spend on a bottle of wine? http://bunnyonabudget.co.uk/how-much-do-you-usually-spend-on-a-bottle-of-wine/ http://bunnyonabudget.co.uk/how-much-do-you-usually-spend-on-a-bottle-of-wine/#comments Wed, 19 Jul 2017 09:36:35 +0000 http://bunnyonabudget.co.uk/?p=511 I know this might sound a bit boring, but I have to confess that – although I do like the occasional glass of wine – I’m not really that big a drinker. This means that when I do tend to buy a bottle of wine, I don’t really buy the cheapest bottle on offer, as [...]

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 How much do you usually spend on a bottle of wine?I know this might sound a bit boring, but I have to confess that – although I do like the occasional glass of wine – I’m not really that big a drinker. This means that when I do tend to buy a bottle of wine, I don’t really buy the cheapest bottle on offer, as I kind of feel like I deserve to enjoy a good bottle on the times when I do buy one. Still, I don’t go wild either. I’m quite content to buy a nice bottle of Blossom hill or something like that. On average, I’d say I tend not to go over the £6 mark for a bottle but if I see a really good discount on an expensive bottle, then I don’t mind paying that bit more just to see if it would have been worth the full asking price or not.

How much do you need to spend?

This got me to thinking, how much do the majority of people spend on a bottle of wine on average, and where do they get it? As I say, Blossom Hill is usually the brand I’d go for and you can pick it up anywhere really. I know that a lot of my friends, however, are very complimentary of some of the cheaper wines you can find at Aldi or Lidl and they say that you can get some nice stuff for around £3.50 to £4 a bottle. Of course, I then have some other friends who wouldn’t be seen dead buying Aldi or Lidl’s own brand wines and would prefer to spend a little time hunting around to find deals on more upmarket brands such as Marks and Spencer wine offers or perhaps even head off to Waitrose. I know some of my friends really wouldn’t think twice before spending £10 or even £20 on a bottle of wine and that does seem like quite a lot of money to me, especially if you’re buying it regularly. But then I might well feel differently if money wasn’t really an issue. Personally, I don’t mind what brand of wine I buy as long as it tastes nice and it doesn’t give me a whacking great headache in the morning!

What would you recommend?

So, now that you know how much I like to spend on a bottle of wine, perhaps you can recommend a few good bottles that I ought to be trying? Have you found a great budget bottle in Aldi or Lidl recently or on the other side of the coin, did you splash out and try a more expensive bottle that you thought was really worth the money? If you like red wines with quite a deep flavour, then I’d really recommend trying the French Malbec from Aldi which I think is priced at around £4.50, as I’ve found that to be a real bargain. Or, if you don’t mind spending a little bit more then there’s a red wine at Sainsbury’s that we really like called Roc De Chevalier which you can usually pick up for around £6 if it’s on offer. What about you though, what would you recommend?

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Fun Ways to Make Extra Cash http://bunnyonabudget.co.uk/fun-ways-to-make-extra-cash/ http://bunnyonabudget.co.uk/fun-ways-to-make-extra-cash/#comments Fri, 07 Jul 2017 19:01:20 +0000 http://bunnyonabudget.co.uk/?p=504 Sometimes we just need a bit of extra cash to help pay the bills, get out of debt, or to save up for an upcoming holiday. Taking on a second job could help, but if the job market is too tight it could take you longer than you desire to obtain that second job. Some [...]

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home massage business e1499454049723 Fun Ways to Make Extra CashSometimes we just need a bit of extra cash to help pay the bills, get out of debt, or to save up for an upcoming holiday. Taking on a second job could help, but if the job market is too tight it could take you longer than you desire to obtain that second job. Some folks don’t even land the second job! It’s a lot easier to take a look around and see how you can make that extra cash in your spare time at home.

Massage the Blues Away

If you have massage skills then running a small massage business is a straightforward way to make some extra cash. All you need is a massage table and other spa equipment to make it happen. Also helpful is a can-do attitude to earn what you need and provide a much-needed service. Massage will always be needed, it’s a treatment lots of people simply can’t live without! Do be sure to get the proper licensing so that you can run your business without any hassle.

Sell Your Hobby

Everyone has that one hobby that they adore and work with a lot. It could be knitting, crocheting, painting, or woodworking. People love handmade art and goods. So, if you have lots of items sitting around, why not sell it on the side? As long as you markup the price to cover your cost of supplies and your time, selling your hobby is a fantastic way to find some extra cash. It doesn’t even require any extra time. Consider doing custom work as well, so that people can really feel like they have an original piece of art made exclusively by you.

Declutter and Sell It

If you have a ton of stuff in your home that you really don’t use, it’s time to have a serious talk with yourself. There is probably quite a bit you could sell online on eBay and make some extra cash. Remember, what is one man’s trash is another man’s treasure. You may not be using it but someone else will! If you don’t want to pay eBay’s seller’s fees, try looking for free marketplaces. Facebook is a fantastic way to either sell on your wall or join groups for your area where you can sell your items. Maximize your money by saving on those fees!

Take on a Lodger

If you have a spare room, or a second home, finding folks to rent your space is easy! Websites like Airbnb and SpareRoom are wonderful ways to offer your room/home to someone who is on holiday or just needs a short term stay in your area. The most you will have to pay for this investment is a fee to the website for every lodger you find!

Fix It Up

If you are knowledgeable in fixing appliances, pipes, or can even paint a room decently, taking on some odd jobs in your neighbourhood is a simple way to make some extra cash. Your neighbours will need some painting help, someone to mow, an affordable plumber, and someone who can hang shelves. You have the skills, so why not charge them a fee for your time?

There are so many ways to increase your household income, it just takes a little ingenuity to do it on your terms and enjoy it. Before you know it, you will meet those financial goals and feel better!

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5 cost-effective ways to refresh your inherited home http://bunnyonabudget.co.uk/5-cost-effective-ways-to-refresh-your-inherited-home/ http://bunnyonabudget.co.uk/5-cost-effective-ways-to-refresh-your-inherited-home/#comments Mon, 19 Jun 2017 16:29:11 +0000 http://bunnyonabudget.co.uk/?p=498 Dealing with bereavement can be a difficult time, without the daunting prospect of independently selling an inherited property that’s been left to you. With the beginning of 2017 seeing tax inheritance hit a 35-year high, it is more important than ever to cut costs wherever viable. This includes finding cheap, prudent and inventive ways to [...]

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art wall brush painting e1497889727715 5 cost effective ways to refresh your inherited homeDealing with bereavement can be a difficult time, without the daunting prospect of independently selling an inherited property that’s been left to you. With the beginning of 2017 seeing tax inheritance hit a 35-year high, it is more important than ever to cut costs wherever viable. This includes finding cheap, prudent and inventive ways to ready your house for sale while keeping firmly in the black.

With this in mind, here we have 5 cost-effective ways to improve the look and feel of a house, to help you make quick and easy work of selling your inherited property in the fastest possible time.

A Lick of Paint

Peter Dockar, Head of Mortgages at HSBC states that “It is often the smaller jobs like painting the front door that can make all the difference when looking for a quick sale.”

A fresh, new paint job is the ideal cut-rate ticket to sprucing up a home interior. This includes kitchen cabinets, baseboards, mouldings, trims, entryways and, of course, walls.

Less is More

Remove as many excess furniture items as possible and clear out any unnecessary paper/magazine piles that might make an otherwise spacious home seem cluttered. It is important to show off as much space as possible, while a tidy house also makes it seem like it’s been taken greater care of.

In With the New

If time and money are of the essence, we recommend disencumbering yourself from ambitious ideas for renovation. While it may be tempting to think about remodelling, a little goes a long way towards revamping a room. For example, having brand new household appliances fitted – such as a washing machine or dishwasher – can give the instant illusion of modernity in a potentially outdated kitchen.

Out with the Grout

Digging out and replacing old grout from your bathroom and kitchen tiles give the impression of a more contemporary space. On first glance, the area will seem newer, cleaner and much less used. If you’re feeling adventurous, buying new taps can also count towards improving the overall look (though it may require hiring a plumber).

Let There Be Light

Updating your light fixtures is a cheap way to brighten up rooms and make them appear more modern. There are a range of effective (and inexpensive!) ways to do this, and it could make a vital difference when it comes to finding a prospective buyer.

As we have seen, then, selling a property which you’ve inherited doesn’t have to cost you the earth! All it takes is a little determination and elbow grease on your part and you will soon have the property looking great and ready to bring to the market. If after reading this post you still feel a little daunted by the task, you might want to consider getting some advice from industry professionals in selling inherited property to help you find the best solution for your own personal circumstances.

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Cheap Holidays Ideas for the UK http://bunnyonabudget.co.uk/cheap-holidays-ideas-for-the-uk/ http://bunnyonabudget.co.uk/cheap-holidays-ideas-for-the-uk/#respond Wed, 07 Jun 2017 20:30:41 +0000 http://bunnyonabudget.co.uk/?p=470 I absolutely love going on holiday! It doesn’t have to be a big fancy trip on an 8 hour flight to get me excited either, oh no, I’m more than happy loading the car up and driving to a beautiful part of the UK too. Of course, there are lots of amazing things to do [...]

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Cheap Holidays Ideas for the UK e1493124270876 Cheap Holidays Ideas for the UKI absolutely love going on holiday! It doesn’t have to be a big fancy trip on an 8 hour flight to get me excited either, oh no, I’m more than happy loading the car up and driving to a beautiful part of the UK too.

Of course, there are lots of amazing things to do and see when you go abroad but if you are wanting to holiday on a smaller budget, then why not save some money and explore the wonderful things that the UK has to offer?

The UK is currently made up of 4 countries, they are England, Scotland, Northern Ireland and Wales, and each country has something different to offer any holiday maker. So, to decide where you fancy going on holiday, I suppose that the first question that needs answering is what type of holiday do you feel will be both amazing and cheap? Here are some of my favourite cheap holiday ideas for the UK.

Camping

Camping holidays are one of the cheapest forms of holidaying that you can do once you have set yourself up with the equipment that you will need.

It’s true that the camping gear itself could cost you an arm and a leg if you’re not careful, but if you are wanting to get yourself kitted out on the cheap, then it could be useful to pay a visit to your local camping shop first to check out all of the tents that they have on display. I like to think of this as kind of like viewing houses, you get to have a look around each tent and see if they work for you. You will need to check to see if they have enough bedrooms, if there is enough head space and does it look easy to put up?

If you do decide on either a particular size or brand of tent, then you could save yourself a bit of money by checking out websites such as eBay or Gumtree for a second hand or similar (but cheaper) version that fits the bill. People sometimes like the idea of camping, they go out and buy everything that they need, and then realise after just one trip that it’s not for them. This means that a lot of people will sell their camping gear online or at car boot sales, so don’t forget to keep a look out for some real bargains!

What attracts people the most about camping is that once you have all of the stuff that you need, you then have a huge amount of freedom to pick and choose where you want to go. Campsites can vary quite a bit in price, so deciding how important good facilities and location are to you will help determine how cheap your holiday will be.

On a positive note, if you turn up at a campsite that just doesn’t work for you, all you need to do is pack up and drive to another one. Simple.

B&B’s

As a mum of two young boys, I don’t think that staying in a B&B wouldn’t really work for us as a family holiday. However, if you’re planning a couple of nights away without the kids or if you’re going away for the weekend with some friends, then staying in a B&B could be perfect.

Like with most things, the price of a B&B will differ depending on location, facilities, decor, views and services. For instance, if you are going away for a city break with a group of friends, then a basic B&B wouldn’t stop you or your friends from having a good time and saving money by staying in a basic B&B would actually give you a bit more cash to spend on other things, such as a meal in a posh restaurant or a few more cocktails. icon smile Cheap Holidays Ideas for the UK

If you are planning a romantic weekend away in the countryside or by a beach, however, then a basic B&B may possibly put a bit of a dampner on the weekend. So, maybe spending a little bit more on a B&B that has a nice setting with beautiful views and a luxury feel could be worth the extra money in this case.

I think that B&B’s can be a great way to enjoy a weekend away as most of them offer food along with the price of the room. Also, the people that run the B&B’s know a lot about the area, so you can ask them to recommend places to go and things to do. Or, if you feel like you want to explore more of the UK on your holiday, then staying in B&B’s whilst you travel from one county to another or even one country to another could be a great way to enjoy some freedom.

My favourite sites for finding great value UK B&B deals are Trivago and Groupon.

Holiday Homes

Personally, I absolutely love holidaying in cottages or farmhouses. For families I think that this type of holiday ticks all of the boxes. It’s so useful being able to check out all of the facilities online to see which cottage is right for you. For me, my two most important necessities on the facilities list is a dishwasher and a real open fire or woodburner! What country holiday would be complete without those two things?

However, one thing that I don’t really like about booking cottages is that nervous feeling I always get when I’m going somewhere new to stay and I panic that I’m not going to like it. To be honest, I think that that has only ever happened once, about 10 years ago, and in all fairness the cottage itself was lovely, it was just the local town that spoilt it for me. On the plus side, when you do find a great cottage in a wonderful location then it can be somewhere that you can look forward to going to again and again without any worries or concerns.

To save money on holidaying in a cottage, it can work out well to rent a cottage with some friends so that you can split the cost. This way you’re not only saving money on the cost of the cottage but you’re also having a great time with friends too.

There are loads of holiday sites around where you can book a cottage stay in the UK but where possible I prefer to stick to the more established and well known sites like HomeAwayBooking.com, Hoseasons and Sykes Cottages.

Another way to save money when booking a holiday home is to again check out eBay, as you can sometimes find great last minute deals on holiday homes that could save you quite a bit of money.

So there we go, three cheap ways to holiday in the UK. Each option can cost as much or as little as you want it to and can be tailored to fit your needs and what you want out of your holiday.

Do you have any tips for holidaying on the cheap in the UK?

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3 Tips for Getting a Zero Hour Contract Mortgage http://bunnyonabudget.co.uk/3-tips-for-getting-a-zero-hour-contract-mortgage/ http://bunnyonabudget.co.uk/3-tips-for-getting-a-zero-hour-contract-mortgage/#respond Wed, 31 May 2017 21:53:26 +0000 http://bunnyonabudget.co.uk/?p=493 With nearly 1 million people in the UK on zero hour contracts, the thought of getting your foot onto the property ladder may seem like nothing more than a mere dream. However, this doesn’t necessarily have to be the case. Here, we outline 3 simple tips on how to give yourself the best possible chance [...]

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home ownership 3 Tips for Getting a Zero Hour Contract MortgageWith nearly 1 million people in the UK on zero hour contracts, the thought of getting your foot onto the property ladder may seem like nothing more than a mere dream. However, this doesn’t necessarily have to be the case. Here, we outline 3 simple tips on how to give yourself the best possible chance of landing a mortgage, even though you may be on a zero hour contract.

Find the Right Lender

When you are looking into getting a mortgage, whether you are on a zero hour contract or not, finding the right lender for you is very important. However, what may cause a problem for somebody on a zero hour contract is the fact that a lot of the lenders use an ‘automatic’ underwriting procedure that will automatically kick out any application that falls into the ‘mortgage misfit’ bracket. The way to overcome this problem is to look for a lender that uses a ‘manual’ underwriting procedure that takes into account the personal situation and income circumstances of each applicant.  

Keep Good Records

One of the more simple – yet extremely important tips – for somebody on a zero hour contract who is hoping to take their first step onto the property ladder is to be organised. Any lender who is willing to consider your application will want to see at least 3 months worth of payslips and your P60, so keep them safe!

A good way to make sure that you can easily lay your hand on the correct documents may be to get yourself a folder or document box, purely for all of the documents that you may need to help you in your quest to get a mortgage.

Stay as “Stable” as Possible

Another area that can greatly help your cause in getting a mortgage is to appear “stable”. Don’t worry, this doesn’t mean that they are going to sit you through a string of counselling sessions to check your mental health. What they are looking for is stability within your job. So, this means that the longer you can stay with a particular company and working in a particular role, the better. All of these areas really help to build a strong picture for the lenders to be able to work with, as they would find it hard to feel happy lending to somebody that seems to make a habit of swapping employers. Stability is key.

They may like to see a minimum of 18 months with one company, but this will obviously differ from lender to lender. So, try to keep this in mind if you are seriously wanting be considered for a mortgage whilst working on a zero hour contract.

All is Not Lost

And there we have it, all is not lost! 3 simple tips on how to get a mortgage on a zero hour contract. I hope that these tips can help you on your journey to take your first step onto the property ladder.

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How to Avoid Accruing Long-term Debt http://bunnyonabudget.co.uk/how-to-avoid-accruing-long-term-debt/ http://bunnyonabudget.co.uk/how-to-avoid-accruing-long-term-debt/#comments Wed, 17 May 2017 21:59:09 +0000 http://bunnyonabudget.co.uk/?p=486 Whichever way you look, consumer debt represents a major problem in the developed world. Unsecured consumer credit grew at its fastest rate in more than 11 years in the UK during January, for example, while this is a trend that is being replicated in nations such as the U.S. America is also grappling with the [...]

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Avoiding debt How to Avoid Accruing Long term DebtWhichever way you look, consumer debt represents a major problem in the developed world. Unsecured consumer credit grew at its fastest rate in more than 11 years in the UK during January, for example, while this is a trend that is being replicated in nations such as the U.S.

America is also grappling with the cost of tuition, with more than 44 million nationals currently struggling with huge levels of debt that is increasingly difficult to repay.

In this article, we look at the ways in which individuals can avoid the accrual of longer-term debt and contribute towards a more sustainable economy.

1. Understand Your Current Debt Level

If you are serious about reducing debt, you need to start by determining your existing liability.

This can be achieved by accessing your credit report, which include details of all settled and outstanding debts.

Through this report, you can calculate your total debt total, while determining whether you have a positive or a negative credit rating. This will inform your decision surrounding future loans and the type of credit that you pursue, as you look to reduce long-term debt and create positive transactions.

Similarly, reviewing your existing debts also enables you to identify erroneous accounts, which may have been settled or included in error. These can subsequently be removed and help to instantly reduce your liability.

2. Make Regular Repayments

While it would be nice to live in a debt-free world, for most people this now seems simply impractical. From secured loans such as mortgages to unsecured debts, credit is often used to fund certain aspects of our lifestyle.

Issues can occur when you struggle to make regular repayments on time, however, as this can incur charges and increase the interest that exists on your account. So, even when you do resume regular payments, you may find that your debt liability is increased and you’re simply paying off interest rather than the principle sum.

So, remain focused and adhere to a stringent payment plan, adapting your budget where necessary to ensure that you meet your requirements while maintaining a certain standard of life.

3. Embrace Frugality and a Strong Work-ethic

On a final note, it is important to understand instances where opening a line of credit might be permissible. This applies when buying a home or a car, for example, but less costly purchases may be better funded by striving to reduce costs and accumulating savings over time.

By being frugal and reducing the cost of everyday expenditures, for example, it is possible to increase the amount of disposable income that can be committed to savings each month. This negates the need the secure lines of credit in the future, as you have the means to fund larger ticker purchases as and when required.

You can also look to improve your earning potential, either by pursuing a promotion or marketing any skills that you have as a part-time freelancer. This type of determination and work-ethic can build higher levels of wealth over time, which in turn helps you to appreciate the value of money and increase your spending capacity organically over time.

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4 Low Maintenance But Fun Pets For Kids http://bunnyonabudget.co.uk/4-low-maintenance-but-fun-pets-for-kids/ http://bunnyonabudget.co.uk/4-low-maintenance-but-fun-pets-for-kids/#respond Thu, 27 Apr 2017 21:34:05 +0000 http://bunnyonabudget.co.uk/?p=479 Having a pet is something that every child wants, mainly because they are fun to play with and fun to watch too. They give your kids some companionship and a good friend. Pets are fun for adults and for kids as well. They are relaxing, they can be your friend, and they help to teach [...]

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cat 4 Low Maintenance But Fun Pets For KidsHaving a pet is something that every child wants, mainly because they are fun to play with and fun to watch too. They give your kids some companionship and a good friend. Pets are fun for adults and for kids as well. They are relaxing, they can be your friend, and they help to teach responsibility.

The thing with kids is that they usually aren’t the best at keeping commitments, and they certainly don’t know all that much about taking care of another living being. For this reason you will want to get them a pet that is low maintenance, but is still fun too. Here we have 4 great pets for your kids, all of which are low maintenance, but really fun none the less.

1. A Hamster

Now right off the bat, you can replace the word hamster (more on hamsters here) with mouse or rat or other such pet rodent that you deem appropriate. Many children love little rodents because they are so energetic, and watching them run around on that little wheel is definitely a hoot. Hamsters, mice, and other rodents require barely any maintenance, which is definitely a big bonus.

All they really need is a cage, bedding, a toy or two, an exercise wheel, and food dishes. Animals like a hamster only require weekly cage cleanings where you need to change the bedding and clean out their waste. Other than that, a hamster doesn’t really need any attention.

Sure, they will appreciate it if your kids play with them, which they obviously will, but as far as maintenance goes, there is really not all that much needed. Your kids will love taking the hamster out of its cage, holding it, cuddling it, and watching it run around the home! As far as maintenance goes, it really does not get any easier than with a hamster, mouse, rat, or other pet rodent.

2. A Cat

Another pet that might be a good idea for your kids is a cat. Cats have minds of their own sometimes, which is actually a good thing because it means that they don’t require all that much maintenance or attention. Sure, you might have to bring it to the vet at first to get some immunizations, but other than that, they really don’t require very much effort to keep healthy and happy. All they really need is regular feeding to stay healthy.

If you have an indoor cat, you will need to clean their litter box, but that is not very hard or time consuming. This litter box problem is also eliminated when you have an outdoor cat, something that is recommended. Just keep in mind, while outdoor cats are generally easier to care for because of the lack of a litter box, they won’t be around the home as much to provide your kids with companionship.

However, cats do love to get their exercise, which your kids can provide them with by playing with them. It really does not take much more than a string or a little ball to keep a cat occupied. The fact of the matter is that a cat is cuddly, they like attention, they like to play, and their antics can be really fun for your kids to watch. Besides feeding, a trip or two to the vet, and some regular cleaning, a cat can more or less look after itself.

3. A Small Bird

Bird e1493328563655 4 Low Maintenance But Fun Pets For KidsA small bird like a love bird is another great low maintenance pet idea for your kids. A bird may sound like it would require a lot of effort to take care of, but that is really not the case at all. As long as you have a nice cage, some bedding, and food, there is nothing else that is necessary to keep a small bird healthy and happy. Sure, you might need to take it to the vet when it gets sick, but that is true for every pet that you might bring into your home.

The only maintenance that you really need to think about when it comes to a bird is whether or not you want to clip its wings. A bird with unclipped wings will provide your kids with a lot of fun and entertainment because they can fly around the home. On the other hand, they might defecate around the home or even fly away if given the chance.

This is something you will need to consider. Some people do consider it cruel to clip a bird’s wings, yet another consideration you need to think about. The bottom line is that birds really only need some food and water, plus a good little home to live in. They are fun and fairly easy to care for as well.

4. A Betta Fish

Betta fish really are fantastic creatures, and as far as maintenance goes, when compared to other fish and pets, there is barely any of it. You will need a Betta fish tank, a small filter, some rocks or substrate, a plant or two and even a protein skimmer (this article covers some protein skimmer reviews). Other than that, there is nothing you need to take care of a Betta fish, except of course for the food. Besides feeding the Betta fish and cleaning the tank about once per week, there is no maintenance involved.

child kissing betta tank e1493328486486 4 Low Maintenance But Fun Pets For Kids

It is so simple that your kids can probably do it on their own, and if they can’t, well at least it is not all that much work for you. They are fun little creatures to have because watching them swim around is quite entertaining. Plus, they add a next level of beauty and elegance to any room. There is also the fact that a little Betta fish tank can act as a creative stimulant, while also being a relaxing agent, and even a sleep aid too.

Conclusion

Whatever low maintenance pet that you get for your kids, they will definitely love it. A pet is a great way to teach your kids some responsibility while letting them enjoy a new friend at the same time. Just keep in mind that each pet has its own specific requirements and you will be just fine. You might also like our post on the cheapest family pets.

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Many Brits Worried About Retirement – Infographic http://bunnyonabudget.co.uk/many-brits-worried-about-retirement-infographic/ http://bunnyonabudget.co.uk/many-brits-worried-about-retirement-infographic/#respond Mon, 10 Apr 2017 13:10:11 +0000 http://bunnyonabudget.co.uk/?p=472 As a stay at home and work from home mum, I have to say that saving enough for retirement is a big and genuine concern for me. While I love the freedom that comes along with being able to work from home it does have its drawbacks, and the lack of a company pension is [...]

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work or Retire Many Brits Worried About Retirement   InfographicAs a stay at home and work from home mum, I have to say that saving enough for retirement is a big and genuine concern for me. While I love the freedom that comes along with being able to work from home it does have its drawbacks, and the lack of a company pension is one of them.

I came across some research today which shows that I’m not alone in worrying about my retirement. According to the infographic from a company called Lending Works – which I’ve included below – it appears that a good part of the population are also worried about having enough money during retirement, with around 22% of the British population now wondering whether they are going to be able to retire at all!

With this in mind, I wanted to share the infographic to highlight the extent of the problem, in the hope that it might cause others to take seriously the need to save for retirement too.

Retirement Inforgaphic Many Brits Worried About Retirement   Infographic

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