Showing posts with label advice. Show all posts
Showing posts with label advice. Show all posts

Wednesday, 25 April 2012

My tips for saving money on your food shopping

This is a sponsored post.


Every penny counts for us at the moment. We are lucky in that a lot of our outgoings are not huge but I have to be careful and to cut costs where I can so that we can eat well for less. Over the last couple of years, I have got it down to the fine art. I thought I would share my tips for saving money on your food shopping.

1. Meal plan and write a list before you go shopping. I would say that, wouldn't I? But trust me, knowing what you're going to cook and only buying what you need saves a fortune because you waste much less. I start by checking what's left in the cupboards, fridge and freezer, add recipes that will use them to my meal plan, then write a list of things to buy that I don't have already. Then I add regulars in, like bread, butter, milk, yogurts etc.

2. Use vouchers where you can. The supermarkets are fighting for your business at the moment and often have money off vouchers which they'll give you when you shop or via post or email. Consider which is going going to give you the cheapest shop. I mean, I noticed Tesco offering £10 vouchers for an £80 shop - I rarely spend £80 in one shop so that's no use to me - I would have to buy extra to get the discount. I've been getting £6 off a £30 shop which is more useful; it brings my bill down to around £40, sometimes less, whereas the Tesco offer would mean my bill is £70.

3. Don't shop in a rush, and don't shop hungry. Most of us are short of time, but try not to do a shop that is the equivalent of a trolley dash. Grabbing the first thing you see doesn't give you time to compare different brands and work out the cheapest deal. I check everything I buy to check it offers best value, depending on how much I have to buy and how fast we use it. It's also a well known fact that you buy more when hungry. If you do have to shop straight after work and you're hungry, try to have a snack before you go. Stay away from the supermarket if you're ravenous.

4. Try buying cheaper ranges. Go on, give them a try. Often value ranges are exceptionally cheap and the quality is not always as bad as you think. Try them and see what you think. If it is not for you, then fair enough, but if you like it, you will save money and not notice the difference. Ranges are really variable and it all comes down to personal taste.

5. Use multibuy bargains advisedly. If the cheapest way is to buy items in multibuy bargain formats, stop and think. It's fine if you're going to use them all before it goes off, but if not, you'll be wasting money. Also, some multibuy offers aren't huge - saving 10p for buying 2 is nothing - and you could still save more buying a different brand.

6. Go for reduced price bargains but only if you can use them. I love bargains but only if they work for me. It's very tempting to buy something that's slashed in price because it's reaching its use by or best before date - but not if you can't use it before it goes off. I get round this by freezing as much as I can - especially useful for bakery items, meat and fish. If not, make sure you eat it quickly. Don't get carried away by those yellow labels - some supermarkets actually take very little off the original price in the hope that you'll buy it, then reduce it more as the day goes on. The best time for the best bargains is tends to be after 8pm in 24 hour supermarkets, especially on Mondays and Thursdays. If it's been reduced by little, it's probably worth spending the extra money to buy the item full price.

7. Consider joining warehouse shopping clubs for bulk purchases. We are Costco members which costs £30 per year but we easily save more than that on our food shopping and for items like kitchen rolls, it's fabulous. You have to keep your shopping head on and know what you are buying is a bargain as some aren't that much cheaper than the supermarket - and own brands can work out cheaper, but you will find some gems. For example, coconut milk is around £1.99 a tin at the moment, yet I bought a case of 6 for £4.39 last week, saving me over £8.50.

8. Don't waste food. Once you get your food home, store it properly, and bringing items with shorter dates to the front so they get used first. Use up leftovers - some recipes naturally seem to make more than the usual "Serves 4" given, so they often become lunches for me and husband - but make sure you cool leftovers quickly and refrigerate (or freeze), then reheat thoroughly. I'm a bit funny about rice so I am always wary of keeping it and it is one thing you need to be really careful about but most other things I will happily reuse. I also store sliced bread in the freezer as it can go off quickly and is mostly used for toast. Slices even defrost quickly if I want to make sandwiches.

Those are my tips. Happy saving! Don't forget also that My Family Club has a shopping section where you can find all the best discounts and offers, and you can sign up for a weekly email newsletter with the latest tips and offers. And if you have a great moneysaving tip, you could win an iPad by entering their competition here.


What tips do you have for saving money on your food shopping?


(I have been paid a fee to write this and a previous post, as well as mention them on social media. I have not been told what to write and all words and opinions are my own.)

Tuesday, 24 April 2012

So what can you do if you don't get the primary school you wanted?

Photo credit - msegura
All throughout April, parents of children who are due to start school in the next academic year have been nervously waiting to find out which school has a place for their child. By the end of this week, I think pretty much everyone in England should know their fate.

Whatever you read, the majority of parents do get a place for their child at their first choice school. It varies a lot according to the local situation but most areas have sufficient places.

But what if you don't? Although it didn't happen to me, I can imagine it's pretty gut-wrenching and upsetting to find that you haven't got the school you wanted. It can feel like the end of the world, probably made even worse by others getting what they want.

It isn't the end of the world. There are various things you can do. Please remember I write this as a parent and it is stuff I learned from the experiences of others I know who went through similar. It's just suggestions and tips. Always check local arrangements with your local authority.

Do you appeal?

Most people's reaction  is to consider an appeal. Others are likely to recommend it, and it seems like your opportunity to put your case. However, you do need to think carefully before you appeal as it is not straightforward at all. What complicates it is the law says that infant class sizes (basically, the first 3 years in school) cannot be greater than 30. If a school is already full and classes are already 30, an appeal is likely to fail although there are a few exceptions that will override the law. These require you to prove that you would have got a place if the admissions process was properly implemented - in other words, they made a mistake at some point, or that you would have got a place if the admissions process had followed the School Admissions Code. The other exception is that refusing you a place was not a decision that a "reasonable authority" would have made. All of these require some effort and can be quite hard to prove unless you are sure a mistake has been made. It is possible to do, but the hearing might not be until the summer, and the result not known for a few days after that. If you can prove your case, they will have to award you a place, even if the infant class size is exceeded.

The decision whether to appeal is very personal. Many decide to appeal, then find out what's involved and withdraw. What does happen is that the admissions body will send you all the information relating to your appeal before the hearing which gives you time to prepare your case or decide whether to take it further. At a hearing, the admissions body will be given chance to state why they didn't give you a place, then it will be your turn to do the same. Your case will need to concentrate on the decision to refuse you a place. Personal circumstances (unless this is something you were relying on in your original application) will not be taken into account. I can ramble on about this for hours so if you want to know more, please do get in touch with me.

Is there anything else you can do if you decide not to appeal?

The first thing to remember is that you do not have to accept the place you've been offered if you really don't want it. The local authority will provide you with a list of schools who do have places available. It's also worth contacting the school(s) that didn't offer you a place and ask for your child to be placed on their waiting list - there will be a lot of movement as people decide they don't need the place,  move areas or even emigrate. The school will place you in the list according to the same admissions criteria, but they will also be able to tell you what position in the list you hold. Most schools will operate waiting lists until the start of the school year but some keep them for longer.

Even if you are putting in an appeal, it is worth putting in some effort to go and see other schools, whether that is the school you've been offered or others that you've been told have places available. Because there may be a number of parents in the same position, you'll probably be given a deadline to express a preference for another school and then you will be told if you have a place. Having a place sorted out is a good insurance policy if your appeal is not successful, and it's worth noting that doing so will not affect your appeal. It may mean that your child starts settling in sessions at a school they ultimately don't attend but it is probably better than not doing so.

If none of these avenues provide any joy, you may take the ultimate sanction of not accepting a place anywhere. Remember that, in England at least, no child has to attend school until the term after they turn 5. Even with the oldest children in the year born between September and December, that means they don't have to go to school until January. A January to April child wouldn't have to start school until after the Easter holidays and any child younger than that wouldn't have to start school until the start of Year 1 (although they will miss Reception altogether if this is the case). In that time, it is very likely that a place will become available at a school that suits you. Alternatively, you may decide to home educate which is another topic in itself. I know little about it but people like Jax who home educates her children know a lot more than me.

If your child does start at a school that you're not totally happy with, remember that nothing is forever.You may begin to feel very differently about a school once your child is a pupil there, especially if they settle in well, are happy and seem to be doing well. Places at other schools can become available at any time so even after a school stops operating a waiting list, they may still contact you to ask if you want a place or you can keep in touch with them. The decision to move a child is another personal choice and will very much depend on the child. Generally speaking, younger children seem to adapt better than older ones, but if your child took a while to settle at school and is now happy, you may feel that it's not worth the upheaval of moving them again.

What if you're applying next year and this post terrifies you?

For a start, don't panic. As I said at the start, the majority of parents get their first choice; many more get one of their top choices and are happy with what they are offered. There are a few things you can do to improve your chances of getting a fair outcome. Take care because you will hear a lot of anecdotes from parents of older children of what worked for them but things are very different now (and anyway, they may have worked for them than for the reason they suggest).

First, use all your preferences when applying. Some people still believe that only applying for one school will guarantee them a place. Some thinks it underlines how much they want that school and that the local council will HAVE to give them that school. This is not the case. If you only apply for one school, you'll be treated the same as other parents. If there is no place available for you, the council will find you a place at the nearest available school, which could be a long way from home if places are at a premium, or it might not be a school you're happy with. The way to have some control over your destiny is to apply for as many as you're allowed - the minimum is usually 3 but some areas allow more choices to be made.

Secondly, talk to the schools and understand their admissions policies. Most voluntary aided faith schools (and academies) will have their own admissions criteria which are different to community and voluntary controlled schools. Faith schools usually give top priority to those who attend a local church regularly or those who have their children baptised. If you haven't looked already, it may already be too late to start attending church as the qualification period usually ends in the September before you apply. It may not be a problem but a school will be able to give you an idea how likely it is you could get a place without it. Personally I wouldn't attend church for this reason, and if you're the same, this may affect your decision whether to apply to such a school if it is usually oversubscribed. Also, if your local authority operates catchment areas, understand how they affect you and your choices - applying to an oversubscribed school from out of catchment may be risky and may become even harder when it comes to applying for younger siblings, especially if they are not given priority over children in catchment area.

Next, don't discount any school until you have seen it for yourself. I can't stress this enough - only you know what suits your child and no-one else can judge if a school is right for them. Keep an open mind throughout.

Finally, don't panic. If it doesn't work out for you, then come back to this post next year.


My final thought is this - everything will turn out alright in the end. If it's not alright, it's not the end. Not getting the place you'd hoped for is not the end. It's just the start.

Good luck!


Wednesday, 28 March 2012

Getting the golfing bug

This is a sponsored guest post. Stick with it though as it makes some interesting points about getting children into golf. Monkey is just getting into golf, is now the proud owner of two golf clubs and wants to go to lessons.

Photo credit - jhonnyt
Nowadays it is getting harder and harder to entice your children into the outside world and away from all the suffocating technology of the house. With more and more children suffering from obesity in the United Kingdom, there has never been a better time to strap golf equipment onto their backs and introduce them to the amazing world of golf.

Quite often people are put off golf, as the overall consensus is that golf is a sport for the well off or retired. However, with golf equipment becoming cheaper as the days pass and community golf courses springing up across the country, this could not be further from the truth.

Besides this, most people find it best to start teaching children about golf within their very own back garden, or if this isn’t an option, in the local park. Here you are given an unlimited amount of time to teach putting and really making sure that your children are getting a grip of the club. Of course, once the putting is sorted, it is time to move onto the most exciting part – the swing.

Throughout the United Kingdom and often attached to golf courses, there are golfing ranges where you are able to practice and teach your child how to well and truly hit a ball. Here, like the park there are usually no time restrictions, as you pay by the ball, meaning that you have all the time in the world to teach your young one the ways of the golf club.

Of course, once you are confident that your youngling is ready to set foot on the golf course itself, there are golf courses all around the country that are happy to accept new people, young and old. Most communities also have the afore mentioned community golf courses. This means that instead of paying annual fees (although this can be an option), you can instead pay by the round, as this is a great way of introducing your child into golf; once you have both decided that golf is the sport for you, it is then time to consider monthly, or even yearly membership fees.

For just about anyone in the golfing world, a full 18 holes can be quite daunting. That is why it is often best to start playing in halves, either by playing the front nine, or back nine.

A front nine consists of the first nine holes of a golf course and is often the way to start as a full 18 holes can be very tiring for a beginner. If the mood suits, you can quite often play what is known as the ‘back nine’ although this is less popular than playing holes 1-9.

The benefits of introducing your children to the sport can be huge. Not only is it a healthy and productive sport but golf also teaches children about patience and respect to other people. Whereas most sport revolves around disadvantaging your opponents, golf revolves around deducting yourself and being truthful to others. What better ethos could you teach your children than this? With lessons that can be used for a lifetime, golf is a sport that can carry a person throughout their entire life and is often a popular sport at work.

But of course, that is years away, what you need to focus on now is the fun and enjoyment of the sport. Why not try by taking your son or daughter out on a day at the nearest crazy golf course? This could be a great introduction into golf in general and a place where you can plant the idea of the sport into their minds. You never know, the person currently trying to whack the ball under the scary clown could just well be the next Tiger Woods.

(I have been paid a fee to publish this post). 

Wednesday, 21 September 2011

Watch this space...

There are no photos with this post because it's a secret. Well, kind of. On Monday, I experienced that is the preserve of the A list celebrities who appear on the red carpet. Someone dressed me for an awards ceremony. Get me.

As you probably know and can see from the badge in the sidebar, I am a finalist in the MAD Blog Awards. The awards ceremony is on Friday 30th and I'm going down to London, whilst practising my loser's face. The organisers got in touch a few weeks ago and said that various brands had offered to dress some of the finalists for the ceremony. As soon as I saw the list of brands, one name leapt out at me. John Lewis.

Monday, 3 January 2011

My tips for starting a New Year fitness regime

Photo credit - dariuszman
So, it's 3rd January and lots of people made New Year's resolutions to get fitter, lose weight, be more healthy, yada yada. Obviously, these normally involve starting a new fitness regime. I've started many in my time, and not just in early January, so I thought I'd pass on some tips. Obviously, you can choose to ignore them and it's a long list, but you will have a better chance of keeping it going for longer and seriously improving your fitness if you follow as many as you can. Feel free to add your own tips in the comments at the bottom of this post. Please remember I am not a qualified fitness instructor, this is just what I have learned over the years of being a punter. Some of these are learned from hard experience, some I've learnt from others.

  1. Get proper medical advice if you have a condition or an injury that might mean that exercise could be harmful. Do this before you start if this applies to you.
  2. Choose activities that you think you will enjoy. There is no point in doing something that you hate, because you will fall at the first hurdle. You can run, take up a new sport, join a gym, go to classes, or workout at home. If you're not sure what you want to do or will like, try a few things out but give each option a good few weeks. No-one is ever good as soon as they start. 
  3. If you join a gym, try to get a trial period before signing your life away or pay as you go for a while. Check any contract very carefully as some gyms charge large cancellation penalties. Don't be swayed by fancy facilities at a private gym - council run leisure centres are often cheaper and the staff are normally well trained. They also allow you to pay as you go although memberships will work out cheaper. Don't think that paying lots of money will guilt you into going. That's how fitness clubs make their profits - all the people that pay hundreds of pounds a year who go twice. In total.
  4. Get the right equipment. Some people find they are more motivated by buying new fitness gear. You don't need to, but if it works for you and you have the money, do it. There is, however, one piece of equipment where no reasonable expense must be spared - running shoes. Please don't think you can get by starting to run with any old trainers. A trip to any of the sports chains (Yes, you JJB, JD Sports and the like) will not cut it either. Go to a proper shop for runners where they can analyse your gait and help work out the best type of shoes for how you run. If you don't, you risk developing shin splints, which will seriously hamper your progress. Invest in good shoes and the risks are greatly reduced. Definitely worth the money. 
  5. Put your workouts or runs or classes in your diary like any other appointment. It takes about 3 weeks to create new habits, so making time for your workout may be an effort at first. So many good intentions fail because people don't make the time. You only need about 3-4 hours week to get started. Putting the time aside to do your workout will help you see yourself as a regular exerciser until it becomes second nature. Home workouts are particularly prone to other distractions. I got round this by doing EA Sports Active's 30 day challenge which recorded what you have done and when so you had to do the workouts. 
  6. Consider having a fitness buddy. It works for some - it will help motivate you each other when the going is tough and you're answerable to them if you want to bunk off. Or you could spend your whole time trying to get them to go. Your call. 
  7. Start out gently and build up gradually. I cannot stress this enough because it will help prevent injuries and stop you getting demotivated. To get fitter, you need to challenge yourself, but not to the point of pushing yourself too hard. If doesn't matter if your first few workouts feel easy; just make a mental note to run a bit faster, work a bit harder or whatever it is next time. The first few workouts - if not the first few weeks - are for you to find your level. And remember it's your level, not anyone else's. If you really can't keep up, don't try. 
  8. Set goals realistically. Particularly true of running, I think - there are plenty of running programmes around which you can follow. Stick to them, don't try to do them at twice the pace. You won't become fit overnight, it will take time to see results. And see point 7!
  9. Make sure you get enough rest. When do you think you actually get fitter? Is it whilst you are exercising? It isn't! When you exercise, your body is under stress. When you rest, the body repairs itself and if you've been challenging it with exercise, it adapts to the challenge and you become fitter or stronger at rest. When you're starting out, it's a good idea to rest every other day if you can, but if your schedule doesn't allow it, working out for a couple of days then taking a rest will do. Overtraining gives no time for recovery and can turn niggles into injuries. 
  10. Have contingency plans. This particularly applies to outdoor pursuits, like running, which can become dangerous in winter weather, but it could something as simple as your class being cancelled. Have a back up plan so that you can at least have a workout when this happens, especially if the activity is going to be laid off for more than a couple of days. I go back to EA Sports Active on the Wii when a class is unexpectedly cancelled.
  11. Listen to what your body is telling you, particularly if you get ill. You will get ill or injured at some point. How you manage it is important to the speed of your recovery. If you get a cold, you can probably still exercise if your symptoms are above your neck and the rest feels fine, but if they are below the neck, it is best to wait until you get better. You can make yourself very ill if you exercise when ill so admit defeat and concentrate on getting better. Same goes for exercising with an injury - rest if necessary and if it's more serious than you first thought, get proper medical advice. Better to miss 1 or 2 workouts to get better than have to miss 12.
  12. If you are exercising with the aim of losing weight, try to measure as well as weigh yourself. Keep a record of the measurements and measure regularly but only about every 2-3 weeks. This is because you may find that you lose fat but it not show on the scale. Muscle is denser than fat so it looks slimmer - and believe me, it's a good thing to have more muscle. 
  13. Don't expect to lose weight by exercise alone. As I was once told, "you can never outrun your mouth". Watch what you are eating. Some people start to eat more after they have exercised when in truth, particularly at the start, they may not have burned that many calories. My pet hate is someone coming off a cardio machine at the gym saying they've earned themselves a chocolate bar (the calorie count on those things is often way out). You may find may appetite is increased but try not to overdo it. And DRINK! Keeping hydrated may take away the hunger pangs. Honestly. On the flip side, don't starve yourself - exercise needs fuel. 
  14. When starting out, or starting back even after a shortish break, you are likely to get achey in your muscles the day after. The technical term for this is DOMS (Delayed Onset Muscle Soreness) and it will pass after 2-3 days. Your body will get better at reacting to the exercise over time but the first few can really hurt. Warm baths or a sauna can help, and if it's really bad, so can painkillers. 
  15. Always do a warm up before each workout with some gentle exercise and do a cool down afterwards. Learn how to do a few basic stretches but don't overstretch.
  16. Finally, don't expect there to be an exercise that will spot reduce fat from one problem area. It's just not going to happen. 
Finally, let me end by giving you some links to some useful sites or posts: 

jagsfitnessblog.com - written by my friend Jo about her own weight loss and fitness journey. She has written some useful posts on Frequently Asked Questions and Diet and Fitness Myths which are well worth a read.

stumptuous.com - lots of useful advice for all, with a particular slant towards women using weights. 

ExRx.net - a huge free resource with calculators and exercise directories, featuring videos of how to perform each one. 
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