Cassiefairy – My Thrifty Life

Cassiefairy's thrifty lifestyle blog – Saving money every day with DIY crafts, sewing projets, low-cost recipes & shppping tips


2 Comments

4 Ways to add extra value to your property

Whether you’re looking to sell your home, or simply want to make the most out of the space you have available, remodelling is a great way of adding value to the property and giving your home a unique touch. There are elements of your home that you can’t change, such as the location, but there are so many features that you can change which will really help when it comes to the selling process.

Add value with bright & airy spaces – Image source A Sweet Afternoon via Nyde

But you don’t have to be selling before investing in your home and that’s certainly not what I’m planning. We’ve been doing work our the house over the past few months and are hoping to increase the value of our home before we renegotiate the mortgage. A higher valuation will mean that our Loan To Value (LTV) is better, and will help us to get a lower interest rate going forward. Plus, we’ll have a house that we’ll enjoy living in for longer! Here are a few popular renovation ideas that are guaranteed to add some extra ££s to your home.

1.Create an extension

If you’re fortunate enough to have a property with a decent-sized garden you may find you have just enough room to extend your house and create more living space. Whist gardens are a great feature to have when selling your home, if you can get away with extending out and still have some garden space you’ll certainly be adding value to your property. If you’re working to a budget, a single-storey extension is great for opening up your kitchen area, adding a dining room or even introducing a conservatory or dayroom to your home.

An amazing glass extension – Image by Rise Design Studio

Continue reading “4 Ways to add extra value to your property” »


2 Comments

How to put aside a little extra cash for Christmas… starting now!

If you’re already thinking about Christmas, you’ll probably be wanting to find a few extra pennies for your festive shopping. When money is already tight it can be hard to imagine how you can save anything between now and Christmas but believe me when I say it can be done! And here’s how:budgeting money saving finance tips for university freshers students_-2Earlier this week I actually visited the Planner Wealth blog (yes, even thrifty bloggers like me need advice sometimes!)to find out some ideas for making even more savings than I usually do each month. I watched a really handy video with 5 helpful tips to show us where we can cut corners and save a little extra money here and there. I’ve embedded the video below so that you can watch it and make use of the advice for yourself.

I totally agree with the advice about saving money on food in this video. I’m such an advocate of cooking from scratch and making “tumble-down” meals with leftovers – have a look at my Pieday Friday category for 100s of thrifty recipes, all super easy to make and simple enough to be cooked with the kids too! A simple fuss-free savings idea is switching everything in your weekly shop over to ‘own brand’ versions.budgeting money saving finance tips for university freshers students_

Continue reading “How to put aside a little extra cash for Christmas… starting now!” »


Leave a comment

How to save: Taking control of family finances

As a thrifty gal who runs a blog on saving money in all walks of life, you can imagine how interested I am in financial affairs. Okay, perhaps not as interested as you might think but I DO still take an interest in my own money, my savings and the property I hope to investing in. After watching every penny and saving for years to scrape together a decent amount of savings, I’m very keen to learn more. While my 9am Monday morning financial accounting module in the first year of uni was a nightmare (ironically it was my best grade that year!), learning how to manage money and set up budgets in real life was almost fun. Even though at the time I couldn’t imagine why I’d ever need to know how to do a Balance Sheet, it turns out that I DID need that accounting module more than it needed me. I’ve done my own accounts and tax returns throughout all the years I’ve been self-employed and I’ve probably saved a lot of money in accountant’s fees by doing so! Spending Diary challenge for 2014-1While it might seem dull, it’s a great idea to at least look at your bank account every once in a while. Business guru Marie Forleo says that checking in on your accounts daily is a sure-fire way to keep on top of your finances and stop any issues before they turn into money problems. These days I can probably tell you about every single pound that enters and leaves my account. Geeky, right?! The fallout from the Brexit vote last week has already been intense, and looks set to continue for a very long time to come. Already we’ve seen the pound fall off a cliff (although, because I’m sometimes paid in dollars for my US writing, I am actually earning a little extra now – silver lining etc), the economy is in turmoil, and it’s left many of us concerned about where this leaves our families, and what the future holds for us. Everywhere you look there is talk about values of pensions being wiped out, and real people losing real money.Cassiefairy's spending diary 2014So how safe is our money?

The important thing to note is that for those of us with savings, nothing has changed. That’s because everyone in the UK is protected by the Financial Services Compensation Scheme, which covers every individual for up to £75,000 per institution they have savings with. Banks and building societies have also been regulated far more tightly since the last recession, meaning they are obliged to keep higher levels of reserves to avoid crises like Northern Rock from 2007. The bottom line is that, if you have savings, you don’t really have much to worry about.

In fact, savings and current accounts may well become even more appealing in the months and years to come. It may sound paradoxical, given that the interest rates offered by banks have been utterly derisory for a number of years now, and probably won’t get any better in the near future. But certainly for those families with any extra savings to set aside, you’d imagine many will be giving something as volatile as the stock market a wide berth.budgeting money saving finance tips for university freshers students_-2

Continue reading “How to save: Taking control of family finances” »


Leave a comment

Top 3 money-saving tips for teens

As a teenager, saving – and sometimes, making – money can often be a struggle. For many teens who are still in school, employment is out of the question, whilst others who attend sixth form college may not be able to work as much as they would like to, due to revision for exams and a huge amount of coursework. Whilst education should always come before earning money as a teen, admittedly it can be difficult to do things such as socialise with friends or buy yourself new items of clothing when you’re living off pennies for most of the month. That’s why I’ve thought back to my teenage years and have put together my best tips for saving and making money when you’re a teenager. budgeting money saving finance tips for university freshers students_Driving Lessons

If you are sixteen or seventeen, you might be hoping to go in for your driving test soon and get your driving license. But, learning to drive doesn’t come cheap – on top of the hefty cost of actually taking a driving test these days, don’t forget that you’ll also have to pay for lessons, the theory test, and learning materials to help you pass first time. Oh, and the provisional driving license itself! I’m sorry to say that the costs do mount up but if you’re well-trained and fully prepared you’ll pass your test first time and save money on the re-test fees at least! When it comes to practicing for the driving theory test, don’t waste your money on paid CDs and books – there are numerous free practice materials available online, including apps and dedicated websites. You can also save money on your lessons by booking an instructor who offers a student discount if you are still in education. budgeting money saving finance tips for university freshers students_-3Packed Lunches

If you pay for your lunch at school or college, taking in a packed lunch instead can be a much cheaper alternative that can free up a bit of spending money for you in the week. Check with your parents first, and use foods from the family cupboards to make yourself tasty lunchtime meals each day rather than spending a few pounds per day on canteen dishes. This might not seem like a huge saving, but it definitely adds up over time. Let’s say, for example, that you spend £5 each day on your lunch at school or college – by taking in a packed lunch instead, you’ll save £25 a week. And parents should take heed of this tip; they too could save money on their lunch at work by taking a packed lunch too!budgeting money saving finance tips for university freshers students_-2Sell Your Things

If you have any clothes that you have grown out of or items such as old toys, games and gadgets that you never use anymore, selling them is a great way to earn yourself some extra money. Although it’s best to check with your parents first – especially if they bought the item – listing anything that you no longer need on auction sites or other selling sites such as Gumtree can be a great way to earn yourself some extra spending money. Of course, you have to be over 18 years old to be a member of Ebay so perhaps work ‘in collaboration’ with your parents or older siblings and ask them to help you – for a cut of the profits, of course! Remember, though, it’s important to be reliable – nobody wants to buy something online for it to never turn up, or turn up weeks late, so be prepared to go to the post office every Saturday with your parcels. Great examples of things that you could sell online include nearly-new clothes, good condition shoes, unwanted (but brand new!) Christmas and birthday gifts, old gadgets (remove all your documents and photos first), and even textbooks after exam season.

Are you a teenager? How do you manage to have enough spending money to do the things that you want each month? Whether you have a part-time job, ask your parents, or are simply very thrifty, I’d love to hear from you in the comments below so please do get in touch and let me know your own money-saving tips.

 


Leave a comment

Stash your cash in 2016 by maximising your finances with Ofgem

Want to maximise your finances this year and keep hold of as much cash as possible? I do too. You probably know that I’m a rather thrifty lady and that I’d make any changes to my lifestyle in order to live better for less. But thankfully, this option doesn’t require any big changes, no hardship and not going without. It just allows you to hold on to more of your hard-earned pay packet at the end of the month. Read on to find out how I made some easy changes that could save me up to £200 this year…back to school new term autumn blog project-2Let me set the scene: 2016 is the year of saving for me. Okay, I try to save as much as I can every year – and I don’t just mean saving money in my ISA. I also mean minimising the amount I spend on all the little things that add up throughout the year. Just shopping around online, buying secondhand and picking up the end-of-line items in the supermarket can all add up to a rather large stash of cash by the end of the year. Even though I’ve been frugal all of my life (being a student for 7 years, I had to be careful!) this year counts more than ever because I’m saving with purpose. I’m buying a house this year!budgeting money saving finance tips for university freshers students_-2At least, that’s the plan. I expect that you’ll see me blogging about my new front door before the year is out (as long as I can find somewhere lovely that I want to live, that is!). But I need a big deposit and I need to keep putting the pennies into my piggy bank to save for that. Actually, it’s not so much that I need a big deposit, but more like I want to have a big deposit so that 1) I can afford a house that might be out of budget otherwise, or so that 2) the loan-to-value will be lower and my mortgage rate will be better, or so that 3) I own more of the house to begin with and am paying less each month on the mortgage.budgeting money saving finance tips for university freshers students_ Continue reading “Stash your cash in 2016 by maximising your finances with Ofgem” »


Leave a comment

Tuesday Shoesday – Winter sale shoes

Today  I wanted to share a quick round-up all of the sales and deals on footwear that I’ve spotted online and on the high street this week. There are plenty of seasonal discounts available at this time of year and you can even snap up some sandals ready for next summer at bargain. As a thrifty blogger I couldn’t not write about these super-savings so here’s the best bargains I’ve found so far…his and hers shoes mustard and rust from clarks summer sale 2015-2Select have heavily discounted their summer shoes. With sandals starting at just £3 a pair for colourful footwear, this is a sale that can’t be ignored. Plus (you won’t believe this..!) they are offering a buy-one-get-one-free deal which applies to sale items too! Any pair with this pink badge is part of the deal so you could actually get two pairs of sandals for £3! The shoes below are £8, £19.99 (from the non-sale winter collection ) and £9 respectively. Use discount code GET1FREE at checkout.select shoes sale winter 2015I’ve also had a look at the current deals at Clarks, who are offering up to £30 off selected adult boots for winter. With a gorgeous collection that I’ve been dribbling over for a while, I think I might take advantage of this discount myself. There’s no code – just shop the range of boots and keep an eye out for the discount badges for reductions of up to 50% until the offer ends on 15th November. Plus there’s free delivery and returns.clarks sheos and boots sale autumn 2015

Finally, I took a look at the New Look autumn sale. Here I found lots of pretty heels, perfect for parties and night out over the festive period. These nude shoes are just £7 and are also available in black. These bright turquoise heels will add a splash of colour for only £8 and these very festive red shoes are just £9. What a bargain! New look offer a click and collect service, so if you can’t find these styles in store, take a look online. new look sale shoes for winter christmas 2015I hope these footwear deals will help you save a bit of cash in the run-up to Christmas and please do let me know if you find any other bargains yourself, I’d love to hear about them! Leave me a comment below or tweet me @Cassiefairy.

 

By continuing to use the site, you agree to the use of cookies. more information

The cookie settings on this website are set to "allow cookies" to give you the best browsing experience possible. If you continue to use this website without changing your cookie settings or you click "Accept" below then you are consenting to this.

Close