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September 26, 2013

5 Financial Tips to Get More out of your Money



Hey everyone!

Today's post is all about the most important pieces of financial advice passed down to me through the years from my grandparents and parents. These are five of the little gems of wisdom I've been lucky enough to collect, hope you guys enjoy them to:

1. It's important to have a credit card, but never pay interest. Contrary to all the horror stories all over the internet about credit cards and young 'uns nowadays, credit cards are actually very useful, any purchase over £100 on a credit card is covered with built-in insurance. So, if you make an expensive purchase, but don't receive the product or service you paid for, you can ask for a refund from your credit supplier who will take said company to task. Perfect for online purchases. But, make sure you pay your  bill at the end of the month, otherwise you'll pay interest, so it will cost you.

2. Always invest. If you have more money than you need at the end of the month, put it in a savings account and once you have small amount in there, invest it in something. Size doesn't matter - it could be something small, like a piece of expensive (real, not costume) jewellery, or something big like real estate or a plot of land. These are your future fail-safes, the price of gold/diamonds and real estates tend to increase over time (you may have to hang through a recession), even if the interest on your savings doesn't.

3. Sometimes its not about the packaging, but the product. This piece of advice is about the smaller, everyday purchases. When it comes to buying products, pretty packaging is nice, but could a cheaper alternative save you more and do the same job just as well if not better? It's important to lay out your priorities and invest in the things most important to you.

4. Don't be greedy. It's okay to want financial security, or even to want to earn more money, but its important to know when to invest too.

5. Education is worth more than money. Education is the one thing you can never lose. It may be expensive, but as an investment it pays for itself many times over. If you can afford to, keep educating yourself- whether its by going to university to get a degree, taking classes at a nearby centre, or just playing around with new technology at home. As long as you have skills, you will stand out in the job market and be worth more to an employer or if you're self-employed, to yourself.

Do you have any pieces of advice to share?

Anki <3

September 23, 2013

Mini Haul + Body Shop Freebie: Hand Cream

Hey Everyone!



Body Shop has to be one of my favourite places for bagging a bargain, and thanks to Fee over at Makeup Savvy, there's one incredible bargain to had right now! You can pick up a free 30ml hand cream from your local Body Shop (usually £5), no purchase required. Simply sign up at vouchercodes.co.uk and display your voucher, either as a printout or on a smart phone device. Be careful though, some stores are not included in this promotion, but you can check for your local store by looking through the "terms and conditions" on the website. Offer is available through till 29th September 2013.

If that wasn't enough, there is currently a 40% off sale + free gift on all orders over £5 on the Body Shop website when you type in the code "HONEY" on checkout. I'm not sure when this will run till, so best be quick.
Edit: Offer only available online, until 30th Sept 2013

In case you were wondering, these are the hand creams me and my mum picked up:

Absinthe purifying hand cream and Wild Rose hand cream SPF 15

Both smell incredible and are moisturising, but sink in quickly so no greasy feeling. Did you pick up one?

Anki <3

September 11, 2013

SPOTTED: NEW INDEED LABS PRODUCT, RETINOL REFACE SERUM


Exciting news: whilst casually browsing through the shelves at my local Boots (yes, I'm that person :P) I noticed a brand new product from Indeed Labs, the makers of the much-coveted Hydraluron and Nanoblur. Naturally, I decided to Google and see if its worth my money, but found no posts on it (well, nothing that Google showed me; leave me a comment if you've already written something about it, I would love to read it). So, I decided I would give you guys a quick run-down on the product and what its claims are.

Like the name suggests: this is a retinol product claiming to have three different forms of retinol within the confines of its shiny white packaging. This, it claims will help "target the appearance of crow's feet, fine lines and wrinkles". According to the info on the Boots website, the three different forms of retinol it contains are: Retinol RA (Rapid Action), Retinol micro-spheres and Retinol (R)3. On top of this, it contains Retinol-like peptide which is supposed to provide the same benefits as retinol, without the irritation or discomfort you might experience with traditional retinol. The packaging is also different to the typical "Indeed Labs" squeezy tubes we've come to expect; this is still a squeezy tube, but with a pump attached! So hopefully there will be no more nightmares with product splattering over your clothes, something my hydraluron is determined to do- but only on days I'm running very, very late! (Why hydraluron? WHY?)

There may also be another benefit associated with this product: reduction in acne. A derivative of Vitamin A, retinol is also used in acne fighting lotions and potions. One very famous one you may know: Accutane (also known as Roaccutane). This is a very strong oral medication prescribed to those suffering with severe acne, but there is also a topical version, and several other topical retinol creams prescribed to acne sufferers. A couple of side-effects with these are: dry skin, sensitivity to light and problems with the development of a fetus. So, if you're pregnant, or looking to get pregnant, you may want to run this one (or any retinol cream) by your GP first. In terms of dryness, this serum contains at least two hydrating ingredients (glycerin and soyabean oil). But light sensitivity may still be a problem, so you may want to invest in a good morning sunscreen and be careful of lasers e.g. hair removal lasers. Of course, how effective the serum is depends on the concentration of retinol inside that lovely tube, and since that is not provided on the packaging, I guess the jury's still out about this one!


Retinol Reface is now available in stores, and on the Boots website for £19.99 for 30ml. If anyone has tried this, let me know in the comments below if you like it or not :)

Anki <3

Ingredients for the above product:

WATER/AQUA/EAU • DIMETHICONE • ISODECYL NEOPENTANOATE • ISONONYL ISONONANOATE • CETEARYL ALCOHOL • PROPANEDIOL • CAPRYLYL METHICONE • CETYL ALCOHOL • GLYCERIN • GLYCERYL STEARATE • PENTYLENE GLYCOL • DIMETHICONE CROSSPOLYMER • DIMETHYL ISOSORBIDE • 4-T-BUTYLCYCLOHEXANOL • CETEARYL GLUCOSIDE • PEG -100 STEARATE • SODIUM ACRYLATE/SODIUM ACRYLOYLDIMENTHYL TAURATE COPOLYMER • ISOHEXADECANE • XANATHAN GUM • HYDROXYPINACOLONE RETINOATE • POLYSORBATE 80 • GLYCINE SOJA (SOYBEAN) OIL • RETINOL • CARBOMER • POLYSORBATE 20 • PALMITOYL OLIGOPEPTIDE • PALMITOYL TETRAPEPTIDE-7 • ACACIA SENEGAL GUM • PROPYLENE GLYCOL ALGINATE • TOCOPHEROL BUTYLENE GLYCOL • CAPRYLYL GLYCOL • PHENOXYETHANOL
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