Tag Archives: cash

Superior Supermarket Control

Taking control of your spending whilst carrying our your weekly or even monthly food shop can be daunting task for many. Endless offers for the latest product, multi purchase discount and clearance items for next to nothing prices are just some of the causes for filling your shopping trolley with items that rack up your final bill.

Here’s a quick but effective list of ways you can make sure you leave the shop with things you actually went in for and nothing more – courtesy of the Healthy Hideout:

  • Choose a basket – Although you may not enjoy using them as they require a lot more effort, go for a basket instead of a shallow trolley. With less space, you’ll be heading to the checkouts when your baskets full rather than trying to fill your trolley with extras you simply don’t need.
  • Make a shopping list – It’s almost a given to make a list before you go shopping, but many of us still choose not to make one. Make yourself a list of the items you need and stick to it. There’s a reason why the milk and bread are often far apart or on the other side of the store at your local supermarket – You’ll have to pass many different aisles to get there buying items you don’t need.
  • BOGOF’s (buy one get one free) are not your friend – Realistically, ask yourself how many biscuits you can eat in a week or how many apples you’ll consume in the same time. Supermarkets often provide offers on stock they need to clear quickly. This normally means means the consumer ends up with a years supply of Pringles they didn’t actually want simply because it was a “good deal” at the time. Buy loose fruit and veg as it often works out cheaper!
  • Carry cash – By taking a set cash amount to the supermarket with you, you’ll be bound to stick within the allowance you have to spend on shopping. Taking cards tempts you to spend more than you actually need to on items you don’t really need.
  • Get rid of the vouchers – Many of us find ourselves surrounded by vouchers offering savings for our weekly shopping bills. Stop and ask yourself if you would have bought that product or item if you didn’t have the voucher? Vouchers tempt us to buy items we wouldn’t normally buy!
  • From top to bottom – When browsing the shelves at your local supermarket be sure to look from top to bottom at the products available. You’ll often find that supermarkets will place the most profitable products at eye level, causing the consumer the buy what the supermarket wants them to buy.

Smoking: The True Cost to your Health

Need another reason to quit smoking? Why not spend 2 minutes of your time reading this short article that truly highlights the costs involved with smoking.

Many articles already address the importance of quitting smoking, with some focusing on the health risks involved and others highlighting the vanity & image related reasons. The Centre for Disease control estimates that around 23% of adults aged between 25 – 44 still smoke, whilst smoking remains the number one cause of preventable death in the US. It’s almost as if our health and how we look simply aren’t good enough reason to stop poisoning our bodies with such toxic smoke.

Bad for the body and your wallet

From research taken from Tobacco Free Kids as of October 2010, the average pack of cigarettes stood at whopping £5.59. Although cost does vary for region and applicable taxes involved, this is still quite a dent on your daily expenditure. Just imagine if you found £5 at the side of your bed each day your woke up? What would you do with it? Let the Healthy Hideout break it down for you:

  • One Week – It’s a saving of almost £40. That’s enough to eat away from the office at lunch everyday, fuel your car for a week, or take your other half to the cinema for a date.
  • One Month – £167 stays in your pocket, ready for you to splurge on that special pair of party shoes you’ve been waiting for. You could go for a special evening dinner with a friend, or book a weekend away at a your local spa for the ultimate relaxation experience.
  • One Year – Now things start to get a little serious – almost £2000 serious. This is enough to place a deposit on a brand new car, take an extravagant holiday away to somewhere tropical or even buy a top of the range home cinema system. With the average UK wage standing at around £16,000 this saving is an incredible 12.5% of your years earnings.
  • Five Years – If the above wasn’t already enough of an eye opener, then why not try a saving of nearly £10,000. This is enough to place a deposit on a house, clear any educational related debts or renovate your entire house.

In short, there is absolutely no limit to how much you can affect your wallet positively just by kicking the habit. If a parent were to stop smoking once their child was born, they’ll have saved around £35,000 by the time the child hits 18 years of age. If someone aged 30 decided to quit and put the money that they saved into a 6% savings account until they retired, they’d have an extra £150,000 waiting for them.

Kick the habit today

Many health studies already support infinite reasons of why quitting smoking benefits your body. If it takes realisation of the financial factors involved such as the ones mentioned above for you to quit, then why start today?

For more information on quitting, please visit the following NHS resource: http://smokefree.nhs.uk/