Wednesday, 24 October 2012

A FEW WISE WORDS ABOUT MONEY...

Humorist and journalist Frank “Kin” Hubbard had some wise words for those who may consider a speculative gamble with their money: “The safe way to double your money is to fold it over once and put it in your pocket.” 
Great advice!

FREE MUSEUMS AND ART GALLERIES TO VISIT AT HALF-TERM!

Yes, half-term is nearly upon us again, and us frugalistas will be searching for things to do with the kids that don't cost!
So, MSE has a great interactive UK map of free museums and art galleries near you - check it out!
More things to do in the school holidays! 

Wednesday, 17 October 2012

HALLOWEEN PARTY RECIPES

If you are having a Halloween party and really want some ghastly, gross recipes to horrify your guests, then look no further. I've found a truly grisly slection of eatables for you to create! 
So here we go - we have edible eyeballs, yucky green Swamp Dip, more Eerie Eyeballs recipes, Creepy Mummy Hotdogs, Brain Cupcakes, Jelly Worms (too realistic, yuck!), Goblin Tongues, Melon Brain, Witch's Hairy Finger Breadsticks, Brain Jelly, Pizza Mummies, Carrot Fingers and Forked Eyeballs, Witch's Finger Cookies, Halloween Graveyard Cake, Kitty Litter Cake (eeewww!), Pecan Caramel SpidersGreen Jellied Eyeballs, Halloween Meathead (gross!) and perhaps worst of all, a Severed Meat Hand!
That's it for me- I'm completely grossed out!

LAST MINUTE HALLOWEEN COSTUME IDEAS

If you thought you'd let Halloween just pass by unmentioned, but then your kids arrive with party invites or your friend thinks it's a great idea to throw a Halloween fancy dress party, then here's some ideas for last minute Halloween costumes. You can make a scary Jack O'Lantern costume with a free printable mask and some black clothes, a Glow-in-the-dark Skeleton costume with all the printable bones, or print out a free Werewolf, Frankenstein or Dracula mask to to team up with the appropriate clothes!
Happy Frugal Halloween!

Thursday, 11 October 2012

RANDOM MONEY-SAVING TIP NUMBER 25

Loyalty doesn't pay!
It's sad and it really shouldn't be true, but loyalty to a brand or business just doesn't pay! You, the customer are just a money-making opportunity for any business and, hard as it may seem, you must go where the price is cheapest - and that will probably not be the company you bought from last year, last month or even last week. If you keep buying/paying every year without question, you are not a valued customer, you are a bit of a mug - and those companies know it!
For example, never pay your insurance renewals without using several price comparison websites to check if you can get cheaper - and then go back to your current insurer and ask them to BEAT, not match, that price or you will go elsewhere. 
Keep using this research method for everything you buy (type the product name/code etc into Google and find out who's selling it where and for how much) and even on the high street, you may save money by going to the store that has your product the cheapest - it's not always cheaper to buy online - factor in the postage/carriage charges and it may still be cheaper to buy on the high street.
Happy Frugal shopping around!
Catch up with all the Random Money-Saving Tips so far...

RANDOM MONEY-SAVING TIP NUMBER 23

Don't save if you have debts!
Interest rates on savings are at an all-time low, so if you have debts, pay them down before you start saving! The interest on your debts is costing you more than your savings are earning in the bank - simple!
Of course if you have a long-term debt like a mortgage, then  overpay if you can, but try to save a little as well for treats and emergencies - that's a bit more of a balancing act!
Catch up with all the Random Money-Saving Tips so far...
 

RANDOM MONEY-SAVING TIP NUMBER 24

Overpay your mortgage!
It may seem impossible, but if you can overpay a little on your mortgage each month, it really will make a huge diffference in the long-term. 
Even just a £10 overpayment per month can shorten the life of your mortgage and save you thousands!
But on a £100,000 mortgage at 4% interest, just overpaying by £100 per month would shorten your mortgage by 6 years and save you £15647 in interest!

Catch up with all the Random Money-Saving Tips so far...

Friday, 5 October 2012

MORE FREE HALLOWEEN FUN STUFF!

Hershey's have a whole load of free Halloween fun stuff on offer on their website - screensavers, wallpapers, classroom resources (wordsearch, fill in the blanks, clip-art), colouring pages, even more clip-art, pumpkin stencils, decorating ideas, party ideas and booing essentials!
All you need for a fun Halloween is right HERE!
 More things to do in the school holidays!

Monday, 1 October 2012

FREE HALLOWEEN ACTIVITY SHEETS

Spooky potions to drink, silhouettes for your windows and Jeering Jars to make - give the kids something to keep them occupied at half-term with these  free Halloween ideas from DK!
More things to do in the school holidays!