How To Spend

Wise Money Management and Spending Tips

Author: Jeremy (page 1 of 6)

Best Home Upgrades You Can Make To Encourage A Sale

What Property Adjustments Should You Concentrate On?

Invest in these property renovation ideas for a quicker and more profitable sale.

A quarter of homes up for sale in 2019 are left on the market for more than 6 months. With political uncertainty stamping an effect on property prices, sellers need to do everything they can to win buyers around. If you need to achieve a certain price for your home, then it’s important that the property is up to scratch before you invite prospective buyers to take an interest. It’s usually best to carry out these works before officially going on the market, because any property that has obviously been marketed for a while starts to send out negative vibes to buyers that there may be something amiss.

Structural Issues

If you know that your property has problems that will show up in a survey, then it’s important not to waste your own time, or the buyers, and sort out these issues in advance of being under offer. For example, if a surveyor will find missing roof tiles, subsidence, damp or a leaking roof, then these are the types of problem that will stop a sale dead in its tracks. Although it’s annoying, and potentially expensive, these are issues that won’t go away and will be spotted. There’s little point in spending money on further works until the structural integrity of your home is assured.

Adding An Extra Bedroom

A fantastic way to add value to your home is to create room for an extra bedroom. This might be through adding in an extension, converting a loft or cellar, or simply removing a wall to improve the layout of your home and find a way to add more living accommodation. If you’re converting a loft to make space for an extra bedroom, you can add as much as £23k to the value of your home, whilst only spending around £500-600/m².

Room for a Driveway

Off-street parking is a huge selling point for buyers according to local Shenfield estate agents. If your property comes with a front garden that you never use, then consider giving this space up and changing it into a driveway. Most buyers are happier to have a smart, low-maintenance driveway that has room for 1-2 cars, instead of the chore of keeping a front garden looking neat year-round.

Extending Leaseholds

If your property is leasehold, then check how many years are left on the lease before you come to sell. This is one of the first questions that a potential buyer will want to know. Ideally, you’ll be able to offer a lease with more than 100 years left, but anything less than 60 years and the property will begin to lose significant value. Although it may be expensive to renew your lease, this is a step worth taking to encourage your sale to progress.

A Lick of Paint

By far the cheapest upgrade on the list, but a simple repaint of your interior in a neutral off-white colour will create a blank canvas so that potential buyers are able to visualise their own possessions within your home. A lick of paint and a declutter of your home gives it a fresh, minimalistic feel that seems to add more space and is easy on the eye!

When it comes to home upgrades, don’t rush into anything. Go around your property and make a note of everything that needs doing. Then have a frank discussion with your estate agents to check if your renovation ideas are worth carrying out.

The 5 Best Styles For Your European Hair Wig

Choosing The Right Cut For Your Face Shape

When selecting your wig, it’s important to go for a cut and style that complements your individual face shape.

If you’re looking to change up your image with a fabulous European hair wig, then you have a couple of choices. Either you can create a collection of different wig styles to suit your every mood, or you can have a single wig customised to your individual style specifications. Your choice of style may be inspired by the latest trends and celebrity icons but should also be influenced by your face shape and what will look great on you! Here are 5 styles to consider for your next wig.

Timeless Layers

If you’re looking for a classic style that will ensure longevity of your wig investment, then you can’t go wrong with a timeless layered look. A simple side parting, complete with layers will add softness to your face, especially if you choose a wig with a natural curl to it. This particularly suits those with a square face shape as the bounce in the curls helps to even out any straight features such as a prominent jawline.

Sleek Long Cut

If you have a round face with large cheeks, then this wig style is perfect for you. Instead of opting for short cuts that will highlight the shape of your face, choose a sleek, longer length style. You can even add a little height at the crown to accentuate the length further. If you’re looking for a little colour depth, then European hair wigs look great with some highlights added in.

Chin-Length Bob

Another classic style, the chin-length bob is perfectly suited to wig-wearers with a heart-shaped face. Whether straight or wavy, this length allows you to put the balance back, wherever it’s needed. For example, by adding weight in the nape area, you’ll detract from a narrow chin. Be careful though not to be too top-heavy at the crown, as this could elongate your chin more still.

The Lob

Can’t decide whether to stay long or go for a bob haircut? Then the lob is the perfect compromise and is incredibly versatile. Go for a poker-straight lob, or alternatively a wavy texture gives your wig that casual girl-next-door look which is rocking many a salon this year. Celebrity lob-wearers are Elizabeth Moss, Rose Byrne and Emily Blunt, but the great thing about the lob is that it suits all face shapes and is a flattering style at any age.

The Ponytail

Who says that wigs have to be worn down? So long as your European hair wig is of a light-weight density, then there’s nothing to stop you sweeping your hair up. Not only does this style look smart and youthful, it’s also ideal to keep you cool during hotter days. One style of ponytail that works really well with wigs is a romantic side ponytail, as it’s not too tight and can be swept gently below the ear.

European hair wigs can be styled using electrical equipment such as tongs, rollers and straighteners, but always follow guidance from your wig manufacturer to ensure you care for your investment so you can enjoy it for years to come.

Can You Really Get Rid of My Tattoo?

Your Guide to Laser Tattoo Removal

If you have a tattoo that you have fallen out of love with, don’t just put up with it! Laser tattoo removal could help you to say goodbye to it.

With more and more celebrities regretting their body art, many of them are opting for laser tattoo treatment. If you’re thinking that this is something that only the rich and famous can afford though, think again! Laser tattoo removal is cheaper and more effective than it has ever been. So yes, you can say goodbye to that tattoo!

The best tattoo removal in London

Tattoo removal is more straightforward than ever. Thanks to advancements in technology and more and more companies offering tattoo removal treatment, most people will be able to access treatment in their area. If you live in London, then you’re in luck – as this is where you’ll find Tattoo Removal Experts. They are regarded by many as providing the best laser tattoo removal London has to offer.

How to prepare

It’s important to be as prepared as possible before your appointment. This will ensure that your treatment is as effective as possible. Be sure to get in touch with the person carrying out your laser treatment, as they will be able to advise you on what you can do to make the process easier. You should always shave the area that is going to be treated, as body hair can interfere with the laser. On the day, make sure that you wear loose, comfortable clothing.

During your treatment

So, what can you expect during your laser tattoo removal session? A lot of people feel nervous beforehand, but there really is no need. Having a tattoo removed is uncomfortable rather than downright painful, with many people describing the sensation as being something like an elastic band being pinged against the skin. The treatment session will be quite short too – lasting between 10-30 minutes depending on the size of your tattoo and the complexity of the design.

The aftercare

After your treatment, there are a few things that you can do to make the healing process as smooth as possible. Avoid the sun as much as you can, and definitely steer clear of sun beds. As your skin will be a little bit sensitive, it’s a good idea to avoid perfumed soaps and shower products too. Don’t take part in strenuous physical activity or swimming either, as they could disrupt the healing process. Just be as gentle to your skin as you can.

Patience is key

You’re probably wondering what the time frame for your laser tattoo removal is. Well, the simple answer is that it can vary from person to person. If you go to a laser tattoo removal clinic and they promise that they can remove your tattoo in a certain number of sessions, then they are most likely lying. It’s important to keep an open mind, and trust that your tattoo removal technician is working as quickly as they can.

What are you waiting for?

Now that you know you can get rid of your unwanted body art, why not enquire today? The team at Tattoo Removal Experts will be able to answer any questions that you have about to process, giving you total peace of mind before you arrange your first session. So go on – pick up the phone!

5 Ways A Back Massage Can Help Improve Your Health

Massage is a graceful art, performed manually by a trained massage therapist using their hands, forearms and elbows on your body to treat various health conditions. A back massage Chelmsford comes highly recommended, as it brings a number of benefits such as internal well-being, muscle relaxation and decreased stress.

Being a massage therapist is a challenging job. To provide an effective massage requires focus, body strength, a good understanding and knowledge of the human body and good use of the therapists’ body – we all benefit from maintenance back massages!

Continue Reading to Find Out How You Too Can Benefit! 

Massage therapy has a wide scope of practice such as medical massage, sports massage, infant massage and geriatric massage. It is performed according to the body segments involved; it may be your upper extremity, lower extremity, and your back that need attention. It uses various techniques and pressures to manipulate your soft tissues, such as muscles, connective tissue and tendons, which allow the joints and muscles to relax and heal.

The back is one major area to massage; the area is large and spread out. Keeping it simple, it can be broken down into 3 sections upper (cervical), mid (thoracic) and lower (lumber).

Lying down to get a back massage is like handing over your body, all your worries and tensions in your back to the massage therapist – sounds good, right?

As the massage begins, you will relax into it and it will give you a complete feeling of relaxation, relief and you’ll feel your airways are more open, so you feel yourself breathing for longer and just feel much looser after!

The Essential Health Benefits of a Back Massage

Reduces back pain

Your back pain may be due to various reasons like a muscle injury, joint degeneration, nerve compressions and so on. A massage will help to release endorphins (natural pain relievers) in your blood. It is a substance that prevents pain signals reaching the brain and activates positive feelings. It also relaxes your back muscles to aid recovery.

Improves Circulation

Massage therapy can help improve circulation in your body.  It increases the volume of blood to the area; it flows with excessive oxygen and nutrient supply which helps restore muscle properties and its function.

Increasing blood supply also helps remove toxins accumulated in your body. The specific techniques used helps to flush out the toxins from the affected area.

Decreases Nerve Compression

The backbones are what makes you stand tall and support other skeletal structures in your body. Through the back, the bones protect a bunch of nerves from which branches of nerves supply other body parts. Sometimes the nerves get compressed by tight muscles causing pain and disturbed sensation and signals to be interfered.

Improves the Immune System

A poor immune system can lead to poor health. A back massage can result in increased production of white blood cells in your blood that are responsible for fighting against disease. Back massages boost your immune system enabling you to be at optimal health.

Decreases Stress

Your stress may be either internal or external. Back massages can help bring down external physical tension and internal mental pressure. It gives complete relaxation to your body that can even improve your sleep which gives your brain a rest and help you process constructively.

Struggling to Save Money? Here’s Our Top Tips

Whether you are juggling personal or business finances you will understand the struggle of stretching your budget far enough each month to cover all your costs. It can become a stressful ritual monitoring incoming and outgoing money, especially if you are trying to ringfence funds each month to put aside for savings.

Saving is often made harder as monthly costs constantly increase, meaning more of your time is taken shopping around for better deals, switching service providers and comparing contract costs.  However, there are a number of simple tips you can follow that will make your money saving plan a little easier to stick to. This will also make you feel like you are finally achieving financial independence as you see your savings grow month on month. However, if you would like professional financial advice on saving money then accounts in Peterborough can be contacted to discuss your requirements further, which may include tax returns, bookkeeping advice or corporation and personal tax advice.

If you are saving for your own personal reasons then firstly, list your monthly expenditure. This will highlight the areas where you spend the most money and where you can, as a quick win, make initial savings. Go through the items on your list and start to shop around, do your research on line or in person. Make a note of the places where you can get a cheaper deal and start to change your brands, suppliers and stores accordingly. You will be surprised at how much this initial step can save you if you put in the time and effort. Don’t forget about credit cards and store cards too. It is always worth switching to take advantage of interest free periods to give you time to pay off the debt without the added interest, and if you can afford to pay more than the minimum amount each month you will pay off your debt much quicker.

Now you have your budget, you should have been able to identify the money that you intend to save each month. If you haven’t already got one, set yourself up a separate savings account in your bank. If you bank digitally it is really easy to transfer money each month across from your current account to your savings account. Transfer your savings as soon as you get paid, and don’t be tempted to touch this or transfer it back. If you are struggling to manage without this amount every month, then readjust your budget to a more comfortable level.

Short or long-term saving? It always helps to focus on savings if you have a savings goal. This will provide purpose to your new monthly financial routine. Start by planning to save enough money to cover 3-6 months of your monthly expenses should you ever need to fall back on them. Once you have achieved this and you can see your money growing, then start to think about what else you would like to get from your savings. Maybe a holiday or some home improvements?  Now you have proved to yourself you can save; it will make future saving much easier and help to balance your overall finances.

Struggling with Finances? Here’s How Accountants Can Help

Running a small business can be an extremely stressful and challenging time, as with so much to juggle all the responsibilities lie with you. Many small business owners are reported to be working seven days a week, including early morning starts and busy evenings, which can of course put a great strain on your work life balance. You will probably find yourself having to manage recruitment, family time, sales, school runs, business development, marketing, strategic planning, time for your partner, bank accounts, health and safety and many, many more tasks … the list of commitments is endless and seems ever growing.

It is, therefore, no surprise that business finances take a back seat and drop down the list of your priorities. With so much time needed to manage your finances correctly, it is easy to let invoices and receipts pile up, expenses and bank reconciliations lay untouched for months and the real financial status of the business to be left an unknown quantity. Unfortunately, this only aims to stunt the business’ future growth as it becomes impossible to know if you can afford to invest in new equipment or resources.

But don’t worry, by reaching out to an accountancy company in Peterborough, or one local to yourself, you will be provided with the assistance you need as accountants will provide a wide range of services to help with both personal and business finances. Therefore, helping to take the lion’s share of financial demands and responsibilities of your shoulders.

From a business perspective, they will initially advise on the most beneficial structure for your company. This will help ensure you are trading in the correct way as a limited company, partnership or sole trader and taking advantage of the best tax options available. They will also offer information on the latest financial software packages to use and help you decide which is the best fit for the size and function of your business. By choosing the right software, you will get back ownership and speed up the transactions of simple day to day financial tasks, such as recording your expense receipts.

Accountants will also cover all the standard financial reporting procedures which are integral to the business, but which would take your valuable time if you planned to do these alone. These include the quarterly business reporting and reconciling along with the annual task of completing and submitting tax returns.  On top of this, your accountant will of course be tracking your expenses, supplier accounts and will be able to flag when you need to revise your contracts or renegotiate the prices you pay. They will also offer advice on more complex financial planning, setting future financial forecasts or targets and monitor any strategic investment decisions. Accountants will also be available to help with any audits, and if the time ever comes to sell your business, they will provide advice and resources to both value the business and assist with all the financial aspects of the sale.

Having an accountant by your side will help you to focus on the all-important growth of your business and help you aim for that work life balance.

Keep yourself fit and healthy with orthotic insoles

We go to the gym to keep our bodies in shape. We practice mindfulness when we’re feeling stressed, and we spend time with good friends and family to keep our wellbeing in check.

But do we actively look after our foot health?

 

No – our feet are often the last things we consider!

 

Most of us are guilty of neglecting our feet. Many of us could even be accused of taking our feet for granted – until painful foot-related conditions kick in, of course!

But when it comes to foot health, that old adage ‘prevention is better than cure’ really does ring true.

There are many things you can do to keep your feet in great condition, including wearing comfortable, robust shoes and limiting the use of high heels. But did you know that wearing supportive orthotic insoles in your everyday footwear could also help to keep a whole range of painful conditions at bay?

 

How can wearing orthotic insoles contribute to good foot health?

 

First of all, orthotic insoles are proven to prevent, and lessen the symptoms of, common foot conditions such as Achilles tendonitis and plantar fasciitis. These kinds of ailments aren’t life threatening, but they can start to have a serious impact on your comfort and mobility if they’re left untreated.

There are a range of orthotic insoles for plantar fasciitis on the market, but our advice would be to opt for products that allow you to customise the level of support you’re receiving from the each insert. Wear these inserts for a matter of minutes, and you’ll soon notice the difference; the arch of your foot will be adequately supported, and that familiar burning sensation in the heel of your foot will have subsided as a result.

In the same way, orthotic insoles work to reduce overall foot fatigue. Use them for a day, and you’ll notice reduced swelling, aching and cramping in your feet and lower limbs.

Insoles will also correct instances of overpronation and supination and improve the overall stability of the foot, which lessens the likelihood of fatigue and injury from having an unusual gait or walking pattern.

 

Orthotic insoles don’t just benefit your feet

 

What’s most interesting, though, is that a good pair of orthotic insoles has great implications for the rest of your body.

This is partly because they help to make sure that your weight is being evenly distributed between both feet. This in turn encourages better posture – and we all know that being well-aligned works wonders for our muscles, joints and even our circulatory system.

The level of support provided by orthotic inserts also takes the pressure off your ankles, knees and lower back, so you may even find that recurring pain in these areas is reduced after you’ve been wearing these products for a few hours.

The cumulative effect of the benefits above means you’ll be more inclined to exercise, too. If you’re free from aches, pains and stinging sensations, you’ll be more inclined to get active by walking, running, or playing your favourite sport.

 

So, if you struggle to find the time to look after your feet, wearing orthotic insoles is a simple yet effective way of ensuring you’re doing your bit for two really important parts of your body that often get overlooked. What’s more, you’ll be doing your bit for your greater wellbeing. You’ll be comfortable, you’ll have great posture, and you’ll be taking care of your muscles and joints – just by inserting insoles into your shoes every time you go to leave the house!

Sourcing Your Favourite Rolex Watch

Why It’s a Great Idea to Shop Second Hand

If you have long been trying to find the perfect Rolex, then it could be time to get in touch with Luxe Watches.

Have you always wanted to own a beautiful Rolex watch? Perhaps you’ve even had your eye on a particular model for some time. Whether you’ve already got a watch in mind or not, heading to a specialist in used luxury watches is the best way to get your hands on a stunning designer timepiece. Luxe Watches have a large number of Rolex watches for sale, and could be the place where you finally find your favourite watch.

Look around

If you want to find the perfect Rolex for you, then be sure to do your research first. As you would expect from such an iconic and long-standing design house, the range of Rolex watches is vast. Therefore, take the time to see which models are available, and which one would be suited to your lifestyle. Rolex watches are durable and timeless, so whatever one you choose will be a firm fixture on your wrist for years to come.

Head to a trusted specialist

You can save a lot of money by sourcing a Rolex from a second-hand watch specialist. Luxe Watches are the most popular pre-owned watch dealership in Essex, and they offer some of the most competitive rates for their great quality Rolex watches. If you’re not in a position to buy your dream Rolex outright, then you don’t have to resign yourself to missing out. Luxe Watches have a selection of great payment plans, so you can spread the cost of your new timepiece.

A large amount of choice

Buying your watch second hand doesn’t mean that you’ll be limited in terms of choice. If you shop with a dealership like Luxe Watches, you will be able to take your pick from a large range – so giving you a high change of sourcing your favourite Rolex watch. Luxe Watches are always looking for beautiful Rolex watches to add to their range, and have a dedicated team sourcing unique and often rare timepieces of the highest quality.

Quality customer service

If you choose to source a Rolex watch from a trusted company such as Luxe Watches, you will be able to take advantage of expert advice. If you have a particular Rolex in mind, an experienced advisor will be able to point you in the right direction straight away. If you are still trying to find the Rolex that is perfect for you, a quick chat about what you are looking for from a watch will allow a team member to put together a list of potential purchases for you.

Protection after you buy

After you have purchased your Rolex watch, the customer care doesn’t stop there. You will be protected by a comprehensive warranty, so if you do encounter a problem with your watch you will be able to resolve the issue in no time at all. You will also be able to chat to the team about caring for your Rolex – and there is a buy back guarantee in place too.

Source your dream Rolex today!

Now that you know where to source your dream Rolex, what’s stopping you? They are hotter than ever in 2019, after all. Luxe Watches are the number one destination for high-quality second-hand Rolex watches. So why not take a look and see if the Rolex of your dreams is there waiting for you?

What are the Latest Trends for Luxury London Interior Homes?

Give your home a glamorous new look with the hottest design trends

We asked interior designers in London to give us the low-down on the biggest design trends set to grace luxury homes in the capital this year.

With Spring comes a desire to redecorate and rejuvenate our homes, but if you’re looking to give your home a glamorous new look it can be difficult to know where to start. For a bit of inspiration, we spoke with luxury interior designers in London who gave us the low-down on the latest design trends for luxury homes in London.

Spa bathrooms

The kitchen may be the most important room in the home, but the bathroom is swiftly catching up, and we are seeing a growing demand for indulgent bathrooms that take their inspiration from luxurious, five-star spas. In these high-end bathrooms, it’s all about the luxury finishes and fittings, with quality materials such as marble surfaces and brushed gold taps taking centre stage. Amenities such as heated toilet seats, steam showers, body jets and jacuzzi baths are also key to creating bathrooms with a real sense of luxury and indulgence.

Flexible, modular spaces

In recognition of our busy, multi-faceted lives, many interior designers are now creating modular, multi-functional spaces with sliding or easily-collapsible walls that offer flexibility and maximise the use of available space. Most commonly, this set-up is used in rooms that are adjacent to the garden, enabling people to blur the boundaries between indoor and outdoor living with an attractive space that can be used for relaxing or socialising, whatever the weather.

Rich colour palettes

In contrast to the minimalistic neutral shades that have dominated in recent years, today’s luxury interiors take their influence from the art deco era with rich and moody colour palettes. Mossy greens, deep blues and dark gold and bronze will all help to give your home a warm and sumptuous look. Up the luxe factor even further by pairing with opulent textures that help to emphasise the richness of the colours. Another top design tip is to extend the colour to skirting boards and woodwork for a clean, contemporary and expensive-looking finish.

Luxury wallpaper

Alongside a resurgence of rich colours, this season’s luxury homes are also set to see a return of wallpaper. Those in the know are opting for good quality wallpaper in bold, contemporary patterns with metallic touches, for a look that’s luxurious and eye-catching. Florals are another big trend this year, so expect to see abstract and bold floral prints adorning the walls of stylish luxury homes.

Concrete surfaces

Concrete may be a material that you associate with tower blocks or your garden path, but concrete finishes are big news in this year’s interior design trends. This unusual and affordable material can have a really big impact, giving your home a sleek, stylish and industrial look, and while concrete may seem a little stark, it can actually look really luxurious, especially when paired with the rich colours and bold patterns that are so popular this season.

There are some really interesting design trends out there this year, and by choosing the ones that fit with the style of your home and your own personal tastes, you can create a luxury London home that is effortlessly stylish and full of personality.

Give Yourself The Smile You Deserve

73% Of Brits Love The Way They Smile – Do You?

Ask yourself this question: are you happy with your smile, and if not – what are you willing to do about it?

The Oral Health Foundation has uncovered key research linking oral health and how positive a person feels about the quality of their smile. The 2018 study surveyed 1,300 Brits to determine how happy they were with their smile and whether their teeth were a factor in this evaluation. The results were clear – 73% of respondents were either highly or exceptionally positive about their smile, with people in this category believing that their approach to oral health was the determining reason behind their smile confidence. Conversely, those people who chose to smile much less also considered themselves to have dental problems that needed addressing. If you belong in this minority category, then it’s time to take action and make 2019 the year that you give yourself the smile you deserve.

Evaluating Your Smile

Start by looking in the mirror or speaking to a close friend or family member who you trust and come up with a list of things you’re not happy about in terms of your smile. Are you worried about bearing that tooth you chipped playing rugby all those years ago? Or perhaps you’ve recently quit smoking and are embarrassed about the staining that years of nicotine has caused? Whatever the reason for your lack of confidence, it can no doubt be fixed or improved immensely by a smile makeover. Visiting a dental professional specialising in cosmetic treatments should be your next step to discuss your options.

Veneers

If you have gaps between your teeth, any chips or discolouration, then Veneer Dentistry Essex professionals explain that veneers are an excellent option for covering the front of your teeth, which will hide any imperfections that exist. This type of treatment is an alternative to orthodontic work, but needs to be considered carefully as the process is irreversible; during the treatment, the top layer of your existing enamel will need to be removed before the veneer can be fit and fixed into place. Talking to your dental professional will help you reach the right decision for you.

Dental Implants

If you’re missing a tooth entirely, then this can significantly affect the appearance of your smile, as well as damaging your self-confidence. But there’s no need to put up with this when dental implants are available. They’re long-lasting, look incredibly natural and behave just like your own teeth do in terms of eating and drinking. You can have a single tooth or multiples replaced, and the procedure can be completed in as little as a day.

Teeth Whitening

One of the most common dental treatments is a simple teeth whitening procedure. As you age, your teeth can go from being sparkly white in youth to yellow and stained in your later years due to poor lifestyle choices such as smoking, or drinking red wine or coffee. But whitening treatments can erase the discolouration of your teeth, lightening the shade and restoring you with confidence.

If you’re frustrated by your condition of your teeth, then there’s no time like the present to make some changes and put the sparkle back into your smile.

 

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