With summer in full swing, Dobbies, the UK’s leading garden centre, is sharing its expertise to help gardens thrive this season. Dobbies’ gardening experts in Edinburgh are hosting two free sessions, for both children and adults, to help them learn about what plants do well during sunny spells and how to protect your garden in the warmer months.
According to Your Weather, the last two summers in the UK have been drier than the historical average. Dobbies’ horticultural experts will lend a hand to offer free advice to customers in Edinburgh about how to maximise their outdoor space and ensure their gardens are prepared for whatever the weather may bring.
Dobbies’ interactive Grow How session takes place on Saturday 5 August at 10:30am where customers will be invited along to further their gardening expertise. Attendees will get advice on plants that will thrive in sunny spots, insider tips for getting the garden to grow and the different types of drought-friendly plants to keep your outdoor space vibrant all summer long.
The Little Seedlings Club takes place on Sunday 6 August and is ideally suited for children aged 4-10 years old, offering a jam-packed interactive workshop with educational content and craft activities. Kids will learn about summer as a season, what the warm weather means for the environment, how plants adapt to dry weather, specific plants to grow and how we can be safe in the sun.
Dobbies’ Horticultural Director, Marcus Eyles, said: “The hottest summer months can have an impact on the overall health of your plants and the success of your garden. Choosing the correct plants for the right position and soil in your garden is essential.
“Many plants have adapted and evolved to cope with hot and dry weather conditions, and gardeners in Edinburgh can take advantage of this by potting up plants such as Lavender and Rosemary or by growing palms or outdoor succulents.
“Certain plants like Salvia, Lemon trees and Dahlias all burst with vibrant colours and thrive in a sunny spot, a great choice for south facing gardens or balconies that get sunlight all day.
“Our in-store experts are looking forward to speaking with customers and our Little Seedlings Club members to make sure everyone is putting their best foot forward this summer.”
Around 70% of British people consider password loss as stressful as a personal injury or an illness, financial problems, or dismissal from work, the latest digital stress survey conducted by NordPass indicates.
The study, which investigated the effects increasing cybersecurity demands have on people’s mental health, reveals that 67% of adults in the United Kingdom (UK) fear losing access to an important account without a reset option.
To compare, fewer people — 64% — find a personal injury or illness highly stressful. Dismissal from work and financial problems terrify 70% and 72% of people respectively.
Tomas Smalakys, the CTO of NordPass, said: “The fact that password management issues cause more worries for British people than personal health matters is concerning.
“This insight again proves passwords no longer fit people’s needs, and the switch towards alternative methods of online authentication should become the key priority for service providers,”
Why do passwords cause so much stress?
NordPass found that the fear of losing access to an account is related to a person having too many passwords at hand and, as a result, struggling to recall which password belongs to which account.
In the UK, almost half (45%) of internet users agreed password management is a challenge for them. In the US, even more people (56%) feel this way.
According to NordPass data, an average internet user has around 100 passwords to manage. This number contains both personal and business accounts, many of which are used on a daily basis.
As Smalakys explains, with so many credentials to remember, people tend to create weak passwords and reuse them, which then results in data breaches:
“It’s an unfortunate cycle. We fear losing access to our accounts and create simple passwords so we don’t forget them, while the most direct way to lose an account is actually to create a simple password for it,” says Smalakys.
Based on the latest Verizon Data Breach Investigations report, 74% of all breaches include the human element, and creation of weak passwords is among the key causes.
Tips to reduce password management induced stress
To ensure password management is less challenging, Smalakys recommends using the following cybersecurity practices:
1. Adopt a password manager. This solution allows someone to securely store all passwords, passkeys, credit cards, and other digital assets in one place, autofilling them on websites and sharing them with others in an end-to-end encrypted environment. Password managers also generate secure passwords consisting of at least 20 digits.
2. Give passkeys a try. Many tech companies, including Microsoft, Google, and Apple, offer a passwordless login with passkeys. Passkeys are a new technology, approved by the prestigious FIDO Alliance and considered the healthiest and the most convenient alternative to passwords.
3. Delete accounts you no longer use. Rarely used accounts often get abandoned, which makes them attractive to cybercriminals. The passwords for these accounts become outdated and are then easily crackable.
July is a beautiful month for enjoying the garden. Traditionally the hottest month of the year in the UK, July is all about spending time in the garden and enjoying your outdoor space.
When it comes to maintaining the garden, this month is all about keeping on top of your blooms, nurturing your plants, and providing your garden with that extra bit of TLC that it needs to prevent damage or dryness.
Expert gardener Fiona Jenkins at MyJobQuote.co.uk has a list of top tips on what you need to do in your garden during the month of July. Take a look at the list below:
Get The Watering Just Right
With July being typically the hottest month, watering is key. Your plants will be very thirsty at this time and may be prone to drying out. With this in mind, you want to make sure you maintain your beautiful blooms by regularly watering your container plants. Add a balanced liquid fertiliser every couple of weeks, as this will help to encourage continual flowering and strong, healthy growth. Remove all dead flowers as soon as you notice them to encourage new growth.
You also need to remember to water your shrubs, trees, and perennials. Water the base of the plant and avoid watering the leaves, as the leaves won’t absorb water. Wet leaves can encourage fungal diseases, which is why you must always aim to water the base of the plants.
Aim to water your plants first thing in the morning, as this is when the sun rises, and the plants will begin using the water.
Thin Out Your Fruit Trees
In the month of July, you may find that your fruit trees can abundantly over-produce due to the optimal conditions. Large levels of heavy fruits on branches can result in a final crop of much smaller fruits due to the high demand for the tree’s resources and the limited sunlight that is blocked by the large fruit.
This month, you want to focus on thinning out your crops by removing all of the damaged or excess fruits. This will enable the tree to develop a much more even and more appealing crop of fruits.
Show Your Lawn Some Love
During the summer months, everything in the garden grows very quickly. This means you’ll need to make some extra effort to mow the lawn. Aim to mow your lawn once a week to keep it in good shape. It’s also important to keep on top of watering your lawn regularly to prevent it from drying out and turning brown. If the ground becomes dry, gently spike it before watering to allow the moisture to penetrate easily.
Reduce the cutting height of your lawn during hot weather, as this can also help to prevent the lawn from drying out. Keeping your grass blades slightly higher can help the grass thrive and can prevent it from becoming damaged by the additional summer wear.
Take Cuttings From Perennials
When it comes to perennials, it’s important to take cuttings to encourage new growth. Place supports around your tall perennials to prevent any damage from wind, rain, or other typical British weather phenomena.
If you have any tender perennials in your garden, such as Fuchsias, you can use the cuttings for propagating. These perennials are best propagated from cuttings. Cuttings should be taken from the new growth for the season. You can either pot the plants now or keep hold of your cuttings until next spring. If you pot the plants now, they will have enough time to develop a sufficient root system so that they can survive through the winter months.
Get a Head Start on Sowing
If you want to be one step ahead with your gardening routine, consider beginning some of your sowing now. Biennials such as wallflowers, forget-me-nots, and foxgloves can be sown now and ready for planting in autumn. This will provide you with a stunning display next spring.
Sow your plants into large seed trays or, alternatively, a dedicated seed bed. After that, when the seedlings are large enough to handle, you can separate them.
You can also sow late summer and winter crops now, such as carrots, cabbages, and leeks. In addition, you can continue to sow radishes, lettuce, and beetroot at this time.
Check Plant Supports
During this month, you should spend some time inspecting your climbing plants to ensure they are able to handle strong winds and torrential rain. If you think your plants need new or additional support, now is the time to take care of that.
The typical British weather can put a considerable amount of pressure on your garden. It’s much easier to deal with this now than to wait until late summer.
Now is also a time for checking for weeds in flowerbeds, as weeds can affect your plants. It’s much easier to deal with weeds now while the weather is good.
Local authorities dealt with 225,430 residential rodent infestations in 2022 – equivalent to 618 per day
On average, each council spent more than £100,000 on pest control visits to homes
Swansea, Southwark and Birmingham councils tackled the most infestations while Eastbourne Council saw the biggest annual increase (188 per cent)
London faced more than 40,000 infestations in 2022 – almost one in five of all infestations
Local authorities dealt with 225,430 rodent infestations in 2022, equivalent to 618 per day, according to new research from Direct Line Home Insurance1. There has been a significant rise in residential rodent infestations in the last two years, increasing 12 per cent from 201,871 infestations (552 per day) in 2020.
The research found that each local authority spent an average of £101,044 dealing with residential rodent infestations. In total, local authorities could be spending an estimated £36 million tackling rodent infestations each year2. Almost one in five (19 per cent) local authorities provide pest control services to residents for free. For those households that don’t qualify for discounts, councils typically charged £80 for pest control related services.
Rodents can cause significant structural damage to homes by gnawing under floorboards, within stud walls and drywall linings, or by making holes in loft insulation which can cause condensation and rot in the joists.
If mice and rats chew through plastic pipes it can also lead to damp, or flooding whilst chewing through electrical cables could cause significant fire risks. Some rodents also carry diseases such as Salmonella and Listeria, which can easily spread to humans, normally through rodent urine, droppings, or by coming into contact with food preparation areas.
Table one: Local Authorities dealing with the most infestations
Rank
Local Authorities
2021
2022
y/o/y change
1
City & County of Swansea
15,516
16,767
8 per cent
2
Southwark Council
8,761
16,664
90 per cent
3
Birmingham City Council
14,464
12,736
-12 per cent
4
Liverpool City Council
12,032
10,373
-14 per cent
5
City of Glasgow
7,894
10,323
31 per cent
6
Sunderland City Council
3,232
5,968
85 per cent
7
Wigan Metropolitan Borough
5,382
4,715
-12 per cent
8
North Lanarkshire Council
3,469
4,462
29 per cent
9
London Borough of Lambeth
3,246
3,645
12 per cent
10
Nottingham City Council
4,115
3,573
-13 per cent
Source: Direct Line Home Insurance 2023
The City & County of Swansea dealt with the most residential rodent infestations in 2022, a total of 16,767. Southwark Council and Birmingham were the second and third busiest councils last year, dealing with 16,665 and 12,736 infestations respectively.
Eastbourne Council saw the highest increase in rodent infestations in 2022 with 598, up from 208 in 2021 (a significant 188 per cent increase). London Borough Councils dealt with 40,768 infestations in 2022 – 18 per cent of the total for the UK.
One estimate suggests there are now 150 million rats in the UK3. Some ‘super rats’ are now resistant to traditional pest control methods and can grow to be as big as a cat.
Dan Simson, Head of Direct Line Home Insurance, said: “Mice and rats pose a real risk to the home and people’s health. They take advantage of issues like broken pipes, slipped roof tiles or holes in skirting to gain access to a property, often causing serious damage to the structural integrity of a building or belongings.
“We recommend that anyone with an infestation contacts either their local authority or an extermination service to have it taken care of professionally.”
Ian Andrew, Chief Executive at the British Pest Control Association, commented: “Rodents are a serious public health pest and they have rapid breeding cycles, which means infestations require swift action as they can escalate quickly.
“Unfortunately, being unable to afford pest control increases the likelihood of people either ignoring infestations or attempting DIY pest control methods, which can make the issue worse and endanger other people or non-target species.
“A pest professional such as a BPCA member will have the technical knowledge and experience required to deal with an infestation quickly and safely, as well as having access to products not available to the public.
“Pest management is vital for maintaining the safety, health and wellbeing of people, so it would be great to see something in the UK like the proactive approach New York City are taking, with the appointment of a ‘rat tsar’.”
To help homeowners prevent pest invasions, Direct Line Home Insurance has provided the following five tips:
Keep refuse bins sealed: Avoid attracting rodents to your property in the first place by keeping all rubbish bins containing food waste properly sealed, clearing away garden waste and by using rodent safe bird feeders.
Keep surfaces clean: Rodents are drawn to food debris so wiping down surfaces regularly, clearing up food spillages and throwing away uneaten food will help to prevent unwanted visitors.
Fill cracks and crevasses: Many rodents are crafty at finding entry routes into the home. Prevent them from getting in by sealing gaps around doors and windows. Also block holes above or under the sink as many pests will use this area to gain access to water.
Seal food: Store food in safe and enclosed containers to prevent rodents from being tempted to visit your home.
Avoid clutter: Rodents love hiding in dark areas so keep the home clutter-free to remove opportunities for them to set up a home in your house.
Dodge online banking fraudsters with these 12 cybersecurity tips
A recent Which? study tested the security of 13 of the UK’s most popular online banking sites between September and November 2022. The study found that Virgin Money, TSB and Nationwide were the worst at protecting their customers from online scammers.
With so many well known banking sites falling short when it comes to blocking fraudsters, cybersecurity experts at VPNOverview have compiled a list of 12 safety tips to keep your money safe from malware and phishing scams.
What are the possible dangers of online banking?
Financially motivated cybercrime, using malware and phishing, is growing at a rapid pace. In fact, by 2023, the number of internet users is set to increase by 275%, creating more targets for online banking fraudsters. Banks worldwide are doing all they can to protect their customers from banking fraud by raising awareness and utilising new technology to make online banking safer.
Malware
Cybercriminals can use malware like spyware to break into your phone or computer and potentially steal your banking details. Cybercriminals can use a keylogger to track your keystrokes and steal your banking login details as you are typing them. In the worst-case scenario, a hacker can infect your computer with a virus, allowing them to gain total control of your computer and possibly transfer your money straight into their account.
Phishing
Phishing is where a cybercriminal attempts to obtain someone’s sensitive information by pretending to be a party this person trusts, such as a bank. This imposter would contact the victim via email or phone to trick them into surrendering login information. The scammer will often produce a plausible reason why they are asking for this sensitive information. It is essential to stay vigilant and remember: it is highly unlikely that your bank will ask you for login details, PIN codes or confidential information.
12 online banking safety tips
1. Be wary of transfers: Only transfer money to parties you trust. Money transfers cannot usually be reversed without the explicit permission of the receiving party.
2. Use a unique password and login details: Make sure your banking login details are different from your other online portals or services; it is much safer to have a different password for your bank if a hacker gains access to your device. The most secure password you can create will be at least ten characters long, containing a minimum of one uppercase letter, one lowercase letter, one number, and one symbol. It would be best if you considered changing your password to a new unique password every six months.
3. Keep login details safe: Do not give your online banking login details to anyone. If you receive a phone call or an email asking for you to enter your banking login details, sensitive information or PIN codes, this could be a phishing scam.
4. Use fingerprint and face ID: Make use of the newest technology when it comes to signing into your online banking apps. Using a fingerprint or Face ID login is much safer than the traditional username and password. Another security measure to consider is using two-factor authentication, essentially providing two methods of logging in to ensure that the right person is logging in.
5. Update apps: Ensure your device’s operating system is up-to-date. The same goes for your online banking app if you use one. The best practice is to configure your settings to update all updates automatically.
6. Never click on suspicious hyperlinks: If you receive an email or a text from a number or address you don’t recognise that contains a hyperlink, don’t click on it. Do not download any files they may contain.
7. Be wary of suspicious emails: Cybercriminals may send you a convincing-looking email with your bank’s logo and a professional-looking layout. If this email asks for sensitive information, including your password, login details or PIN code, delete this email.
8. Check HTTPS connection: Always ensure the website you visit has a secure HTTPS connection before you log in to your online banking account. Many browsers, such as Google Chrome, Mozilla Firefox and Internet Explorer, show whether your connection to a certain website is secure. Some of these browsers may display a padlock symbol inside the address bar indicating the safety of a website’s connection. If not, you can check the URL:
If the URL you visit contains “https://”, this is secure as the ‘s’ stands for secure. If you see “http://” the connection isn’t secure. You may have to click on the URL in the search bar to see the “https://” appear. If the connection isn’t secure, do not share any personal details with that page.
9. Install antivirus software: Install antivirus software on your device to protect yourself from malware and viruses. The best antivirus programs will offer a built-in firewall, essentially a network security device that provides a barrier between a trusted network and an untrusted network.
10. Be wary of phishing: If you suspect you have come across a potential phishing email or call that claims to have been sent by your bank, contact your bank immediately to notify them. If they do not know about this request, you were likely almost a victim of a phishing scam.
11. Check your banking app frequently: Frequently check your online bank for peculiar activities and alert your bank of any transactions that you don’t recognise.
12. Trust your gut: Ultimately, if something doesn’t feel quite right as you’re transferring a payment or entering sensitive details, trust your gut and don’t continue.
A spokesperson from VPNOverview commented: “Although banks around the world are working hard to make online banking as safe as possible, it is still a good idea to take some safety measures yourself when managing your finances.
“By taking charge of your own online safety, you can prove to your bank that you are not negligent and are more likely to be reimbursed by your bank if something bad happens. By following these tips to protect yourself while online banking, managing, paying and receiving money will become a lot safer.”
In joint operations, Tracker Network (UK) and the UK police force uncovered 32 illegal chop shops during 2022 – over a 300% increase on the number of chop shop closures recorded by Tracker since 2021.
Alongside vehicles recovered that were fitted with Tracker units, it has helped return 100’s of other non-Tracker fitted vehicles to their rightful owners as well as seize valuable vehicle parts worth millions of pounds.
With the popularity of chop shops amongst organised crime gangs significantly on the rise, the stolen vehicle recovery (SVR) expert, Tracker, is warning vehicle owners to be extra vigilant.
Clive Wain, Head of Police Liaison at Tracker said, “We have seen a record number of chop shops being discovered and closed down in the UK last year.
“Essex has always been and continues to be the UK’s chop shop prime hot spot. Only recently, Essex police and Tracker found a number of stolen vehicles at a Tilbury chop shop site, which had been stolen over the weekend from the Met Police area. Other key regions for chop shops being found include, London, Kent, Bedfordshire, Manchester and the West Midlands.
“The lack of parts for new car manufacturing in recent years has driven a surge of sales in the second-hand car market, which in turn, generated a higher demand and price for used car spare parts, especially in 2022.
“This resulted in creating a perfect opportunity for thieves. Inside the illegal shops, batteries, engines, and steering wheels are stripped from cars ready to be sold for cash or on the black market. Criminals are working 24/7 to steal cars for their parts to then sell-on to criminal networks, not only in the UK but also in Europe, Middle East and Africa.
“We work very closely with UK police forces recovering stolen cars in ‘chop shops’ nationwide. A large percentage of vehicles that are stolen to order, are taken to ‘chop shops’ where the criminals strip the parts and try to mask their identities, which can often happen within just a few hours of them being taken. Given the current cost of living crisis this industry is booming adding demand for high-value parts being removed for re-sale.”
Tracker is the only SVR provider offering vehicle tracking systems that are supported nationwide by UK police forces.
Tracker’s SVR solutions work like an electronic homing device. A covert transmitter is hidden in one of several dozen places around the vehicle. There is no visible aerial, so the thief won’t know it’s there. The combination of VHF with GPS/GSM technology unique to Tracker, confirms its SVR devices as a superior security defence against determined thieves.
Tracker’s top tips for vehicle security
Protect your key fob: Keyless car theft works through a relay-style electronic device tricking your key fob signal into thinking the key is near to the car and then the device can assume all key fob power. To prevent this, keep the key – and the spare too – away from where the vehicle is kept when not in use, and block the signal by keeping the key fob in a closed tin or faraday bag.
Switch off and lock up: Never leave your car running idle and unattended, even when defrosting windscreens and windows on a cold morning.
Make life difficult: Fit security posts or a substantial gate if parking on your drive, physical barriers will make thieves think twice.
Don’t advertise your stuff: Never leave your belongings on show, lock them in the boot or take them with you.
Keep paperwork indoors – Don’t store car documents or spare keys inside the car as it makes it easier for thieves to sell it on.
Plan for the worst: Take car security measures to protect your car from being stolen in the first place, such as installing security lighting where you park your car and using a steering wheel lock. If criminals find a way to steal your car, having a vehicle tracker fitted can help the authorities to recover your vehicle.
Simple, influencer-approved tips that won’t break the bank
New year, clean slate? While most of us will be focused on our own personal development in the new year, January is also the perfect time to invest in your home and give it some extra TLC.
But breathing life into your home doesn’t have to break the bank. Using empty space, donating unused clothes to charity or even a fresh lick of paint are just some ideas, but knowing where to start can be tricky.
Amy McElhaney, known to her 17K Instagram followers as Amy’s Home Life, lives in Barratt Homes’ St Clement Wells development on the outskirts of Edinburgh.
A crafty home economics teacher by day, the 27-year-old blogger moved into her three-bed Wemyss home with her husband Scott, 29, in 2019 and has since spent the last four years making their house a home.
Below are her simple, budget-friendly tips to help declutter your home, create more space and give it that New Year clean feel:
Learn to love labels
My favourite things to have in the kitchen are personalised storage containers, with labels. This means I have less packaging and more space for food. It also means I can easily find ingredients when cooking and baking.
I love using my Cricut machine at home, but labellers like the Brother P-touch Cube are great too and can connect to your phone. For cheaper solutions, good old-fashioned stickers or paper and a pen work a treat.
Hidden gems
We purchased storage boxes that are the same colour as our kitchen cupboards, which sit above our kitchen cabinets. It allows me to put the equipment I use less regularly and my recipe books in a safe place, but not cluttering up the house.
Supermarkets like ASDA have some cheap storage solutions that can be easily be picked up on your weekly shop. If you’re a regular shopper at Tesco, vouchers from Clubcard points can also be used towards covering the value.
Rack it up
I cook from scratch most days, so my collection of herbs and spices is rather large. To save shelf space, we bought a spice rack which is a screwed onto a cupboard door. It is perfect as it saves space and makes finding jars easy.
Ikea have some basic spice racks under £5, or you can pick up in-cupboard racks for just over a tenner in stores like B&Q.
Utilise hidden space
Being smart with space is always essential and buying an Ottoman bed really helped us with this. We have plastic box underneath for all bedding, towels, summer/winter clothes and then things like board games. It’s organised whilst also being hidden!
Wilko, The Range and Dunelm all have options that can be used for under beds, starting at under £10.
On your marks, get set, clean!
To keep the house tidy after a good clear out and declutter, I set daily 30-minute timers to do my cleaning. I set the timer, put on an upbeat playlist and tackle jobs to save me doing it at the weekend. I find this essential when we both work full time and allows our weekends for fun stuff only!
Spotify has loads of pre-made playlists that are specific to cleaning and can also act as a timer for completing tasks.
For more information on Barratt Developments in Scotland, visit:
Households are being offered 23 money-saving hacks to use in 2023 as experts reveal the best ways to save little and often throughout the year
Consumer experts at NetVoucherCodes.co.uk have identified useful ways to save cash by completing monthly saving challenges as well as advice on how to knock hundreds off holiday expenses.
The cost-of-living crisis spiralled over the last year and the rising costs of food and expenses have left families worried about how they can manage their finances in the new year.
Brits can save little and often by taking early preventive steps to save their cash, from sticking to a digital budget planner to track how much they’re spending, to investing in a smart meter so they can monitor how much gas and electricity is being used in the home.
Lucinda Fox, online consumer expert at NetVoucherCodes.co.uk said: “December is one of the most expensive months of the year, which is why many families are left tight for cash when it comes to January.
“We’ve faced one of the toughest years when it comes to saving money, as every household expense has been rising from petrol to food and of course our energy bills.
“As we head into 2023, we’re offering households simple tips on how to stick to measurable budgets so they don’t have to worry about overspending or be left strapped for cash towards the end of the year.
“We’ve found various ways to save over the next year such as following budget planners and booking holidays a year in advance.”
Start the year off by investing in a digital budget planner so you can visually track how much you’re spending and in which areas. This way you can monitor which outgoings can be cut down to help save hundreds off your monthly budget.
Get a smart meter
Having the physical amount in front of you can let you see clearly how much is being spent on gas and electricity. It means you can knock £20 off the electric bill if devices that aren’t being used are still turned on.
Start a side hustle
A savvy way to earn extra cash in the new year is to earn more and spend less by starting a side hustle. This can simply be done from home whether it’s selling clothing on apps or completing free online surveys to earn rewards.
Enter free giveaways
Social media giveaways are also an easy way to grab a freebie. While it’s all down to chance, it’s worth doing as the only effort you’ll likely be putting in is following the company’s social page and tagging a friend in the comments.
Set measurable savings goals
While it’s great to save as much as possible, don’t just throw everything into savings only to realise there’s not enough money left to pay for the bills. Be reasonable with how much you can save and by putting aside a steady amount to start with.
Shop during sale events
January sales are one of the prime sales events over the year, where many retailers knock down their prices after the Christmas rush. If you have family or friends with birthdays coming up, make the most out of the sales to save on the costs.
Book 2024/25 holidays now
When it comes to travel prices, the earlier you book, the better. Many companies offer zero deposit schemes where you pay the holiday off on a cheaper monthly basis rather than all in one go. Have a look at travel voucher codes to save up to 30% on future trips.
Shop around for deals
Have a look at different outlets offering the same type of products, both online and in-person. This also applies to supermarkets during seasonal events where better promotions can be found by shopping around.
Join community groups for free activities
Signing up for online community groups means you have access to wider information about free local activities going on in the area. This will help even further when it comes to half term to prevent overspending on days out.
Sign up for loyalty schemes
Each time you decide to shop at a retailer, have a look if they have an app available or go straight to their website and join their reward schemes. This can result in freebies or discounts on your next visit.
Book free cancellation trips
Booking free cancellation trips can provide extra insurance to get money back on a cancelled trip. This can be extremely helpful if there are ongoing strikes over the course of 2023 that could impact you getting to your destination.
Sign up for email subscriptions
Even if they end up in your junk mail, it’s worth signing up for email subscriptions every time you purchase an item online, as you can be offered exclusive free items or early discounts before they go live to other consumers.
Freeze leftovers from Sunday roasts
Freezing food and meal prepping is always a handy way to save on food costs. With prices set to rise again in the new year, it’s also worth saving the leftovers from a Sunday roast and batch-cooking them into lunches for the rest of the week to save a few quid.
The 50:30:20 split
A popular TikTok trend from 2022 is one to follow through in the new year. When the monthly wage comes through, allocate 50% of it on bills and essentials, 30% on leisure and 20% on savings.
Use a credit card
When buying a large purchase item, pay for it on finance or directly by credit card to build up your credit score. But only do so if you can realistically manage to fit the payment into the monthly budget.
Have spend-free weekends
Dedicate one weekend a month where you’re going to have a spend-free weekend, where you can go for long walks in the park, get crafty in the kitchen with existing cupboard ingredients, or even just settle down and binge-watch a new TV show.
Use fakeaway recipes
A fakeaway is always a delicious budget treat to have on a Saturday night. Fried chicken and homemade pizzas might take a little longer to make but the rewards are just as tasty.
Notepad mystery box
Write down different amounts you’d like to put into your savings on separate pieces of paper and put them into a bowl. Every Sunday, draw out a different amount to determine how much money you will be putting into your savings that week. This is a great way to save little and often, just remember to keep it realistic!
Check for tax rebates
Often many find themselves accidentally paying too much tax, which can be reclaimed on the Government website. Even if it’s £30 – it’s still worth a look.
Take part in free subscription trials
Brands offer freebies by signing up for subscription deals, whether it’s entertainment packages or beauty products. These can often be cancelled shortly after, so make sure to do so to prevent being charged.
Stick to non-branded foods
These can cost nearly 50% less compared to other products even if there’s a lack of difference in price and quality. Veggies and meats often taste the same so it’s worth investing in the non-branded versions to cut down on weekly meals.
Put locks on banking pots
Virtual banks often allow for savings pots to be locked and only accessible on certain dates. Having the visual lock on display can help prevent the temptation of taking cash out on a frequent basis.
Stick to the plan
Don’t just stick to the budget for January and forget about it for the rest of the year, make it a personal goal that you’ll stick to the saving targets so that the rewards will be greater by the end of next year.
With less than two weeks to go until Christmas day, there is a lot to get ready – from buying last minute gifts and wrapping presents, to picking up a turkey.
If you will be spending time over Christmas with family or friends who are deaf or have hearing loss, it’s important to consider how to make sure the seasonal celebrations are enjoyable for them too.
RNID, the national charity for deaf people and people with hearing loss, asked their supporters for their top tips of how family and friends can make communication easier at Christmas.
They are:
1. Ask how you can help
Everyone is different, so ask the person who is deaf or has hearing loss what you can do to make communication easier. For example, they might need to see your face when you’re talking, or they might need the subtitles on if you’re watching a film together.
2. Make lipreading easier
Make sure the room you are in for your Christmas get together is well lit – candles and fairy lights alone won’t be much use to people who lipread. Don’t cover your mouth when you’re speaking, and face the person who is lipreading. Try not to speak with your mouth full as this will make it harder for them to lipread you.
3. Take it in turns to speak
Try not to speak over each other – it’s impossible to lipread more than one person at a time and your family member will quickly get lost in the conversation. Speak clearly and not too slowly, and don’t shout as this can be uncomfortable for hearing aid users. If someone doesn’t understand what you said, try repeating or explaining it a different way.
4. Keep background noise low
If you’re playing festive music or if there is background noise, keep the volume low. This will make it much easier for people to hear, and it will help anyone who lipreads to focus on what you are saying.
5. Help people follow the conversation
If the topic of conversation suddenly changes, make sure everyone is aware – maybe ask them a question to check.
And crucially, if someone who is deaf or has hearing loss asks you to repeat something, never say “it doesn’t matter”. If you do that, you’re taking away their opportunity to be part of the conversation, and you might make them feel like they don’t matter.
Harriet Oppenheimer, Deputy Chief Executive at RNID, said:“For lots of us, Christmas is a time of big family get togethers, noisy work Christmas dos and catching up with old friends. But we also know that Christmas can be an isolating time if you are deaf or have hearing loss or tinnitus, and our supporters have told us that they can feel left out of the festive fun going on around them.
“Being deaf aware at Christmas doesn’t have to mean making big changes; there are small things you can do which will make the day a lot more enjoyable for your deaf family member or friend and allow them to be part of the celebrations.”
The 12 Signs of Christmas
RNID have made a video to help everyone learn some festive phrases in British Sign Language (BSL).
From learning how to sign ‘Happy Christmas’ to asking someone to ‘meet me under the mistletoe’ or ‘pass the chocolates’, the charity’s 12 signs of Christmas will help to get everyone in the family signing and having fun together, whilst taking an important step to be more deaf aware.
For more information on how you can be deaf aware at Christmas, visit RNID’s website.
With the cost of living and climate change weighing heavily on the minds of many this festive season, it’s the little things that can make a difference – tackling both budgetary and sustainability concerns in one go, whilst keeping the Christmas spirit sparkling.
Remake Scotland, a social enterprise based in Crieff, and recently announced as one of Royal London’s sustainability Changemakers for 2022, has these tips for households on how to save while being kind to the environment this holiday season:
1. Try sustainable Christmas wrapping
Remake Scotland recently ran a workshop on how to master traditional Japanese fabric techniques. This is something you can try out yourself at home with old fabrics – the method is called Furoshiki, and there are plenty of tutorials on YouTube where you can follow along. Reduce the tonnes of wrapping paper thrown in the bin each year, and breathe new life into your old scarves and fabrics.
2. Send digital Christmas cards instead of paper ones
We go out and buy Christmas cards each year, only for them to end up in the bin! Why not try sending e-cards instead – there are dozens of providers out there. You can send a Christmas card digitally via Moonpig for only 99p. You could even get creative and design your own for free on a site like Canva.
3. Recycle your Christmas tree
Hundreds of thousands of Christmas trees ending up in landfill come January is costly to the environment and the taxpayer, and just not necessary. If you’ve bought a Christmas tree with roots, you can extend its lifetime by re-potting it in your garden, or a friend’s. If you’ve bought a tree which is cut, find out if your local council has a special tree recycling scheme in place, and if not, you can drop it off at your nearest recycling centre. If you don’t want to buy a real tree, there are artificial options that are made from recycled or recyclable materials you might consider.
4. Get creative with gifts
If you’re creatively blessed, why not put your skills to use and give a unique gift that you’ve made yourself? Not only will the gift feel more personalised and special, it will save you money. Or, consider browsing local charity shops to seek out some vintage gems at a bargain price – you never know what you might find.
5. Memories with loved ones are the best gifts
Step away from the concept of ‘things’ entirely, and give the gift of an experience, such as cinema tickets, afternoon tea, or a cookery class. Even something as simple as a promise to host a home cooked dinner can mean a lot to your nearest and dearest.
