Tips For Living On A Tight Budget

Living on a tight budget can get tiresome, irritating and plainly hard. However, if you go the right way about it and save up where you can you won’t have to constantly feel deprived. You just have to make sure every pound has its purpose and you priorities expenses that really matter. Whether you have found yourself in this position because of general money problems, an unexpected emergency or you recently lost your job, these tips and tricks will help you make the best of your situation.

Have Clear Priorities

When living on a tight budget you can’t  afford luxuries. You have to focus on meeting your essentials and remaining within your financial limits. Priorities your rent, mortgage payments, electricity/water bills, food and any debts you have to pay off. The key is to separate your needs from your wants. By making sure you are staying on top of your necessities you will feel a lot calmer living on your tight budget.   


Create A Strict Budget

Due to the fact you don’t have much space to manoeuvre you have to have a well-thought-out budget plan. Hopefully it will prevent you from any careless and impulsive shopping sprees, which can be highly detrimental while suffering from financial difficulty. Make sure all your expenses are covered before thinking of making any other purchases. Remember to keep tracking your outgoings to ensure you stick to the plan.

There are a lot of methods you can adopt to make your budget, from writing it down on paper to using fintech apps like: YNAB, Acorn or Chip .  

Once you have a well-balanced budget you can see where you can make cuts and perhaps start an emergency fund.

Budget plan

Save On Food

Shop at the right time! The ideal time to go shopping is an hour before closing time, or at 7pm in 24-hour stores. This way you’ll find the most products in the reduced section. Freeze the  items you purchased to prolong their expiration date and be mindful of how long you keep them for.

You can also check out Approved Food website for stock clearance food.

As obvious as it might seem, try not to shop on an empty stomach as you’ll end up buying things you really don’t need. Try to make a grocery list beforehand, which fits with your tight budget. You could even make a meal plan to make sure you will efficiently use all your purchased products.

Try own brand products as these tend to be the cheapest and you might be positively surprised with their good quality.

Don’t forget to set up loyalty cards everywhere you go! You can get some major discounts or even items for free.

Shop in Lidl or Aldi, there you’ll find the best bargains and brilliant deals.

Buy in bulk especially products with a long expiration date.

Don’t waste food! Freeze it or add a new ingredient if you are getting bored.

Before eating out check online if there are any vouchers available or discounts that apply to you. Unfortunately, you will also have to limit the amount of times you will eat out if you want to save money.

Have some space in your garden? Maybe try growing some tomatoes 😉 Then just keep the seeds, replant and you can have a sustainable source of vegetables.

Cook from scratch, potatoes, pasta and veggies are some of the cheapest foods out there. You can save a lot of money eating mostly plant based.

Shopping list

Shop for offers

Research from Santander says, UK households spend an average of £3,329 per year, on their: water, energy, Council tax and broadband bills. You can save significant amounts of money by switching utility providers and shopping around for the best offers out there. Remember to save electricity by turning off the lights or keeping the temperature down. For further information on how to save on energy bills check out this blog post:

When shopping for clothes ask yourself what sort of style you have. If you like to follow the most recent trends, shop in the cheapest fast fashion brands such as Primark and avoid Topshop or River Island unless they have some major sale, but even than be weary. If you have a more classical style, try charity shops or gumtree.

save deals shopping


Instead of going to the cinema, invite your friends for a movie night to your home. As a general rule, if you stay home you will spend less. Celebrate your birthday or New Years by throwing a party at your place rather than going out. There are many fun activities you can engage in not having to leave your house, including playing board games, cooking or doing some at home exercises (save on that gym membership).

We all love going to the cinema, the big screen, the darkness the high power speakers. You don’t just pay to watch a movie, you pay for the whole experience. However, it’s an expensive experience and as such it’s good to look for deals. Most cinemas offer great deals mid week or 2-for-1 deals so visit Odeon Websites frequently not to miss out.


Rather than buying a car, walk, use a bike or just take the good old-fashioned public transport. If you desperately have to use your car, check out which petrol station has the best prices in your area.


Emergency Loans

If an emergency occurs you can try to borrow money from a friend, family member or a payday loan company. If it’s a small amount for some unforeseen circumstances a short-term loan will help you without burdening you for many years, being a short time repayment option. However, remember that not being able to repay your debt can get you into serious financial difficulties.  

Following these tips and tricks will help you enjoy life even on a tight budget and decrease your worries about running out of cash or drowning in debt.


How To Find Your Perfect First Home

This is one of your biggest if not the biggest purchase in your life, so you really want to get it right. Therefore, it is essential that you think about this long term. You will have to come head-to-head with additional costs, property research, squeezing information out of the seller and much more. Keep reading this blog to find out all our tips for first-time home buyers.


Keep your eyes peeled because a great opportunity to purchase your perfect property might occur in places you never imagined it to. Gone are the days where you could only find your new home on a picture put up in an estates agent office window. Now there are plenty of websites that have property for sale. The most popular sites are:

They allow you to compare properties, living expenses and home descriptions as well as including local information and street maps. You can even set alerts if you have a specific location and property requirements and the app will inform you when an opportunity appears. To further improve your research, take time looking through property magazines or newspapers to see what sort of homes are available, and for how much so you can get a good understanding of the general market values.

All this being said, estate agents aren’t dead, so don’t cross them out from your research stage. You can subscribe to their email lists and specify what you are looking for to hear as soon as possible if your perfect property is on the market. Having a conversation with an estate agent can also provide you with valuable information about the chances you have of finding what you want with regards to your budget and other factors.



It’s good to visualise your perfect property. Ask yourself what exactly it is you are looking for, a semi-detached house, a flat? How many rooms do you want? How many bathrooms? Will you want a parking space, double glazed windows, or outside space etc.?  You could divide your criteria into essentials and preferences.

It’s easy to repaint the colours of the walls but you can’t do much to change the total floor space in a flat. Think how feasible it would be to get rid of any displeasing features. They make the property less attractive on the day but it might be just a temporary issue. Try to strike compromises otherwise you’ll have a hard time finding your property.

Do The Math

You will have to do some serious calculations to figure out how much getting your home will cost you. We’re talking here about the mortgage fees, valuation and legal fees, stamp duty, moving costs, home repairs and furniture costs.

We strongly recommend you don’t take the maximum amount you are allowed to borrow.  Your mortgage is going to be your biggest monthly expenditure, so make sure you don’t overstretch yourself.  Calculate all of your other outgoings and ensure you allow a buffer for unexpected bills and additional saving.  Once you know how much you can comfortably afford, you can then work out your mortgage repayments and how much you can realistically borrow. It’s a good idea to have this in place before you really go house hunting. Try this mortgage calculator to see the reality of the repayments. It’s best not to look at properties above your budget as this will only result in disappointment and set unrealistic expectations.

To give you a rough guide of the prices visit Rightmove, which provides a map with average prices.



Make sure you like the area around your property. Consider things like:

  • your neighbours
  • traffic
  • safety
  • physical location

Visit the area at different times and see if you like the local pubs, the level of noise, playgrounds for your children among other things. Another thing to find out is the building plans for the area, you don’t want that lovely coastal view to be replaced with an apartment block.

Think about what you value in an area before buying the property, is it near your work place, schools, the hospital? Do you want it to be in a location with nearby pubs or entertainment?


Climate Safety

Watch out for flood risks or subsidence in your potential property area.  Flood risk has a significant impact on insurance premiums, a property’s value and your quality of life if you’re unlucky enough to be hit by water damage. Avoiding property purchases in flood zones can save you a lot of stress.


Ask Questions

Before even putting down the deposit ask as many questions as possible. Some of them should relate to:

  • your potential competition for the property
  • installation reports
  • information on lease
  • renovation details
  • what’s included in the sale
  • parking places
  • council tax band

Certain rival estate agents will overly criticise a property, especially when they previously had it on their books and failed to sell it, which means their comment has to be taken with a pinch of salt. Sometimes you can contact previous owners, who no longer have a vested interest in talking it up – this can be particularly informative if you suspect there might be problems with the property. It is also a good idea to take an experienced home buyer with you for support and advice and if you have any doubt about the condition of a property, always ensure you get a full structural survey carried out.


Take Pictures

Photos are a great reference point especially when you are looking at multiple properties. They will help you spot things you might have missed previously. Really think about the space you’ll need. After a few years you might need more than you are initially looking for and it’s good to be prepared for this change.

If you are planning to renovate or make a few improvements to the property, plan where you could build into and how easy is it will be to manipulate the property layout and maximise space not only for longevity but to add value as well.


Viewing Checklist

Make sure you check the property for all these aspects:

  • mould and dampness
  • cracks and other imperfections on the walls and ceiling
  • open a few windows to see if they work well
  • count power points
  • turn taps on and off and flush the toilet to inspect the plumbing
  • check the heating by switching the radiator on and having a look at the boiler
  • ensure door locks work well
  • check the rugs and carpets



Think about the ease of resale when you come to sell the property in the future. If you aren’t happy with the property, or if you outgrow the property and want to upgrade, after all you’re not planning on living there for ever. Make a list of all the potential problems future buyers might have with the property and evaluate carefully before you decide to buy.

Remember that certain “negative” aspects of the property might only be an opportunity for you. For example many people won’t want to live next to a school because of the noise levels, but if you’re not home during these hours this will not affect you and it will lower the price of the property. This might suit you but not others, and you have to account for that if you are planning to sell your home.

Property for sale


Estate Agents

Beware of certain unethical methods estate agents might use, these include:

  • testing the market with hyper-inflated prices to see if it will sell
  • hide important drawbacks coming with the property
  • are overly optimistic about building plans
  • aren’t fully honest about the area

Researching Estate Agents

Choosing an estate agent is an important process as well as a tricky one. Some will offer you low fees or give an impressively high property value, but these can be warning signs. Pick an agent who is experienced in selling the sort of property you are looking for and don’t settle on just one. You can use comparison websites such as Which?  Also, speak to friends, family members and neighbours to see if they can recommend an estate agent. Make sure you know in detail their commission rates or fixed fees.   

Remember no one can tell you with full confidence what will happen to house prices. Just like with the stock market, property is an asset  with an unpredictable value, but what is guaranteed is it’s a great investment. There are however multiple sources that suggest waiting for after Brexit to purchase your new home.  


Take your time looking for your new home, don’t rush into anything, make sure you do your homework and stay true to your budget and requirements. The right property will be out there.

Money Management

Taking the time to manage your money better can really pay off. It can help you stay on top of your bills and save £1,000s each year. You can use these extra savings to pay off any debts you might have, put them towards your pension, or spend them on your next car or holiday. Read on for money management tips, including how to set up a budget, sticking to it and how to save.

Over half of UK households keep a regular budget. Most say it gives them peace of mind about how much they are spending, and makes them feel better about life in general. Manage your money better with Budget planner tool.

UK small businesses admit to struggling with financial management

Almost one in three (30%) of the 1,000 business directors polled admitted finances were one of their major business concerns, while 29% of those with a turnover of £10m or more said the issue troubled even them.

UK small businesses admit to struggling with financial management

The Brit Awards 2019

Here’s the full list of the 2019 nominees. Read till the end to find out the favourites!

British Artist Video

  • Anne-Marie – ‘2002’
  • Calvin Harris & Dua Lipa – ‘One Kiss’
  • Clean Bandit feat. Demi Lovato – ‘Solo’
  • Dua Lipa – ‘IDGAF’
  • Jax Jones feat. Ina Wroldsen – ‘Breathe’
  • Jonas Blue feat. Jack & Jack – ‘Rise’
  • Liam Payne & Rita Ora – ‘For You’ (Fifty Shades Freed)
  • Little Mix feat. Nicki Minaj – ‘Woman Like Me’
  • Rita Ora – ‘Let You Love Me’
  • Rudimental feat. Jess Glynne, Macklemore, Dan Caplen – ‘These Days’

British Breakthrough Act

  • Ella Mai
  • Jorja Smith
  • Mabel
  • Tom Walker

British Male Solo Artist

  • Aphex Twin
  • Craig David
  • George Ezra
  • Giggs
  • Sam Smith

British Female Solo Artist

  • Anne-Marie
  • Florence + The Machine
  • Jess Glynne
  • Jorja Smith
  • Lily Allen

British Group

  • The 1975
  • Arctic Monkeys
  • Gorillaz
  • Little Mix
  • Years & Years

MasterCard British Album of the Year

  • The 1975 – ‘A Brief Inquiry into Online Relationships’
  • Anne-Marie – ‘Speak Your Mind’
  • Florence + The Machine – ‘High As Hope’
  • George Ezra – ‘Staying At Tamara’s’
  • Jorja Smith – ‘Lost & Found’

British Single

  • Anne-Marie – ‘2002’
  • Calvin Harris & Dua Lipa – ‘One Kiss’
  • Clean Bandit feat. Demi Lovato – ‘Solo’
  • Dua Lipa – ‘IDGAF’
  • George Ezra – ‘Shotgun’
  • Jess Glynne – ‘I’ll Be There’
  • Ramz – ‘Barking’
  • Rudimental feat. Jess Glynne, Macklemore, Dan Caplen – ‘These Days’
  • Sigala & Paloma Faith – ‘Lullaby’
  • Tom Walker – ‘Leave A Light On’

International Male Solo Artist

  • Drake
  • Eminem
  • Kamasi Washington
  • Shawn Mendes
  • Travis Scott

International Female Solo Artist

  • Ariana Grande
  • Camila Cabello
  • Cardi B
  • Christine and the Queens
  • Janelle Monáe

International Group

  • Brockhampton
  • The Carters
  • First Aid Kit
  • Nile Rodgers & Chic
  • Twenty One Pilots

Critics’ Choice

  • Lewis Capaldi
  • Mahalia
  • Sam Fender

So far the leading nominees are Anne-Marie and Dua Lipa!

Valentine's day

Very Wallet Friendly Valentine’s

Are you looking forward to Valentine’s Day, but you’re worried about funds? You don’t have to compromise romance for money! This blog post will give you plenty of ideas on how to spend your Valentine’s Day in the sweetest way possible and not over-spend.

Home Rendez-vous

You can start by spoiling your partner with a breakfast in bed! To make it extra fancy, add a rose on the tray. Find out your partners favourites and treat them to those.

Dinner at home can be just as romantic as in an expensive restaurant. Surprise your partner and prepare something special for that day, including a lot of aphrodisiac foods like chocolate and strawberries, however, maybe stay way from oysters 😉

Breakfast to bed

You can even cook a meal together to spend some more quality time. Chances are you will both be glad to save a couple quid in the current climate so who can complain? Then just light some candles and open a bottle of wine. Celebrate an amazing V-Day with no worries about your budget.

If neither of you feel like cooking, we have a solution! Tesco and Waitrose are here to help. A Valentine’s dinner for two including a starter, a main, 2 sides, dessert and wine/fizz will only cost you £20 at Waitrose and 3 microwavable dishes for £20 at Sainsbury’s.  You can also cut the cost of chocolates by visiting the Thorntons website. There are also some humorous gifts you can get from Hotel Chocolat., if you want to make the occasion a little light hearted. Now just stock up on wine/fizz from Tesco Finest for around £8.50 a bottle.



Flowers can be expensive but compared to other Valentine gifts they can make the most impact for the lowest price. You can get the Paradise bouquet for only £15.99 deviled with chocolates from eflorist. A lovely way to treat your partner on this special day is flower decorations. You could create a tail of rose petals leading your loved one to further surprises like stuffed toys or other gifts. Alternatively create a heart shape with the flowers. It’s so simple, so inexpensive but it will make both you and your significant other feel very special.

rose petals

Handmade gifts

You want to spoil your Valentine’s date with some gifts, but lack the funds? Try a DIY project or vamp up a in-expensive item from a charity shop. Avoid buying cheap items from shops like Poundland, it’s going to make a better impression if you spend some time creating something by yourself. This way your other half will get a unique gift which will have much more meaning than mass produced gifts, even if they are more pricey. Some of our favourites are: picture scrapbooks, baked goodies in handmade boxes, paper flowers and scented soaps.

Hand-made giftYou could even organise a drinks and crafts night where you can both have some fun trying out new DIY projects. These could include: painting, sewing, ceramics, your only limitation is your imagination. For extra points, make it heart shaped!


Hobbycaft has card making sets which you can purchase if you want your card to have a more personal touch. Paperchase also has some great offers for Valentine’s with objects that could complete your decorations including balloons and confetti. Handmade presents with love are one of the best valentine’s day gifts.


This is a perfect way to celebrate V-Day for a sporty and active couple and it doesn’t have to cost you anything! Pick a spot with a lot of beautiful views which you can admire together. If the weather permits it, you could even have a picnic once you get to your destination.


Treasure Hunt

This Valentine’s Day idea is for the adventurous ones out there and it will take some preparations, however the outcome is movie like. Your aim is to create a treasure hunt where your loved one has to follow clues and solve riddles to finally get to the designated destination where you have prepared a surprise.

What you’ll need:

  • Cards
  • Envelops
  • Sellotape
  • Task ideas
  • Riddles
  • Final destination/ surprise

All you have to do is write a few clues or tasks they have to perform in order to get to the final destination. Lots of fun is guaranteed and an unforgettable experience. A+ for effort and barely any impact on the wallet.


Spa Night At Home

Giving your loved one a massage doesn’t sound like a bad idea, especially if it doesn’t cost you any money and you get to see the smile on their face. We guarantee it’ll be a cheap valentine’s day for you.


Free Events

Look for free events in your area or even plan a day trip close by attend some free activities. You could go for a stroll in the park, on the beach, visit museums or craft stores. Here are some examples of free events you might want to check out:

It isn’t the epitome of  romance to be thinking of your bank balance when you are celebrating Valentine’s Day with your loved one, but lets be practical! It’s very likely that your partner wouldn’t want you to over-spend during this occasion, so there’s no shame in keeping it low-cost. Hopefully our V-Day ideas showed you that low-cost doesn’t necessary mean low-key or low-effort and they definitely won’t break the bank!  

Father’s Day Competition

TERMS AND CONDITIONS FOR THE ‘Father’s Day Competition!’ (‘the Competition’)

This document (together with the documents referred to on it) tells you the contractual terms on which you may enter the Competition (the “Terms”).

Please read these Terms and the associated Privacy Policy carefully before you enter the Competition. Entering into the Competition shall constitute your acceptance of these terms and conditions and your agreement to be bound by them.

We recommend that, if you intend to enter into the competition, you print a copy of these Terms for your future reference.


  • PiggyBank is a trading name of DJS (UK) Limited which is Authorised and regulated by the Financial Conduct Authority reference number 660382.
  • Registered in England No 07952979. DJS (UK) Limited, 28 Avenue Road, Bournemouth, Dorset, BH2 5SL.
  • Registered with the Information Commissioner’s Office No. Z3140485.
  • To contact us, please visit us at or call us on 0800 206 1560


  • To enter the competition, all you need to like the Facebook page piggybankloans and comment of the competition related post, or follow the Instagram, account @piggybankloans and comment on the competition related post with a joke, or witter account @PiggyBankLoans and tweet us a joke before the deadline of 10th June 2019.
  • Entries received after 11.59pm on 9th June 2019 will not be valid.

Any personal data which we collect from you, or that you provide to us, will be processed by us in accordance with the PiggyBank Privacy Policy. Please read this policy carefully to understand our views and practices regarding your personal data and how we will treat it.


  • Anyone over the age of 18 can enter the competition.
  • No more than one entry per person.
  • Providing incorrect information (such as a false name, contact number or email address) will mean that you are ineligible to enter the competition.
  • PiggyBank may disregard any entry it believes has been made in breach of these Terms.


  • The prize is a £100 high street voucher/e-voucher.
  • The winner can choose whether they would like the voucher posted or sent via email.
  • The winner can choose which store or restaurant they would like the voucher to be valid for. 
  • The winner will be required to confirm the email or address to which their prize should be sent to when PiggyBank contacts them to inform them of their win.


  • Your joke submission must be clear and concise and must respect all audiences. Any inappropriate jokes will not be accepted.
  • Only one submission allowed per person.
  • Please note that PiggyBank may contact you via social media on the details provided to discuss your review or account.


  • PiggyBank will draw 1 winner (from all Facebook, Instagram and Twitter submissions)
  • The winner will be selected based on the judge’s opinion of the funniest submission. 
  • PiggyBank will attempt to contact the winner via social media. PiggyBank reserves the right to redraw if the winner cannot reasonably be contacted within 48 hours of the draw.
  • The prize will be sent to the winner’s email or address which they provide when contacted by PiggyBank. The prize will be sent within 48 hours of the winner’s confirmation of their store or restaurant choice.
  • The winner will be announced via the social media platform they entered their submission.


  • The winner’s first name and submission will be announced on PiggyBank social media channels, within 48 hours of the prize draw.
  • The winners may be asked to take part in free publicity surrounding their win but participation in such publicity is not compulsory.
  • Any personal data which we collect from you, or that you provide to us, will be processed by us in accordance with our Privacy Policy. Please read this policy carefully to understand our views and practices regarding your personal data and how we will treat it.


  • If PiggyBank fails to comply with these terms it will be responsible for the loss or damage which you suffer which is a foreseeable result of its breach of the terms or its negligence. However, PiggyBank will not be responsible for loss or damage which is not foreseeable or which is outside of PiggyBank’s reasonable control.
  • No responsibility or liability will be accepted by PiggyBank for entries which are not received or are lost in transmission for any reason. Proof of sending the transmission will not be accepted as proof of entry. Corrupted, damaged, unintelligible, inaudible or incomplete entries will be invalid.


  • Discretion: Where these terms refer to exercise of discretion by PiggyBank such discretion shall be absolute and no correspondence shall be entered into regarding any associated decisions.
  • Events beyond our control: Events may occur that render the Survey itself or the selection of the winners impractical due to reasons beyond PiggyBank’s control. We may, at our discretion, make such variations or amendments to the prize draw as we feel are necessary as a result of such events.
  • Cancellation of the Competition: PiggyBank reserves the right to cancel, terminate, modify or suspend the Competition in whole or in part at any time. PiggyBank will have no liability to you or to any third-party, as a result of such change.
  • Entire Agreement: These terms (together with the documents referred to in them) constitute the entire agreement between you and PiggyBank in relation to your entry to the Competition, and supersede and extinguish all previous agreements in respect of the Competition
  • Variation: We may update these terms from time to time. We will notify you of any changes via social media. These changes will take effect from once such notice has been given.
  • Other promotions: Any other promotions run by PiggyBank will be governed by their own separate terms and conditions.
  • Vouchers: The use of any vouchers provided by PiggyBank may be subject to additional terms of use printed on the vouchers themselves.
  • General Terms: In addition to these terms, your usage of the PiggyBank website shall also be subject to any Terms Of Use or Privacy Policies shown on the website
  • Applicable Law: These terms and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the law of England and Wales.
Pig Year

It’s The Year Of The Pig, Find Out Your Fortune

Were you born in 1935, 1947, 1959, 1971, 1983 or 1995? This means your Chinese zodiac sign is the Pig and 2019 is your year! Keep reading to find out all you need to know about your fortune,  what brings you good and bad luck according to your zodiac animal as well as how to celebrate the New Lunar Year.

Chinese New Year Celebrations

Since its foundation over 3,800 years ago, Chinese New Year also known as the spring festival has grown in importance and popularity in China as well as across the globe. It’s a grand celebration that starts on the first day of the lunar calendar (this year it’s on the 5th of January). 


The “Reunion Dinner” which is the New Year’s Eve feast known as (年夜饭- Nián yèfàn) is one of the most important traditions in celebrating the new year. It originates from the myth of the monster Nian which terrorized villages and forced people to hide in their homes preparing elaborate meals to appease the gods and their ancestors. Therefore, a lot of pride and care goes into preparing the food for these festivities. Here are some of the most common items you’ll find on the table:

Spring rolls

Spring rolls





Steamed Fish and Meat

Chinese food


Chinese New Year activities can be divided into two sections: the private and the public.


Private celebrations include: putting up new year decorations, family feasting, firecrackers and fireworks, exchanging gifts and red envelopes. These envelopes usually contain money and are the symbol of good luck.


In the public domain you can experience: street parades and performances, including the dragon and lion dance. There are plenty of little stores set up during this period that offer traditional foods and beverages. It’s a public holiday including many lanterns and lucky colours decorating the streets.

Lion Dance


New year, new clothes! The festival is a time of change and new beginnings and it’s a Chinese tradition to remove the old and embrace the new.  Furthermore, new clothes can protect you from evil spirits and bring you good fortune.

The good news is you can wear anything you like, there are no special requirements. However, if you want to wear something more stereotypical opt-in for a Qing dynasty outfit, like a Tang suit or a Qipao.

Chinese outfit Pig’s Personality

If you were born in the year of the pig as you animal sign, you are most likely a diligent, compassionate, and generous person. Your strong points are: great concentration, helpfulness and independence. However people with this zodiac sign are less likely to suspect trickery and are easily fooled.

Generally speaking pigs are realistic, calm people who enjoy entertainment. Despite being a little materialistic they work hard for what they purchase and they don’t have tendencies to over-spend.

Chinese pig


Things that bring pigs luck:

  • Colours: yellow, gray, brown
  • Numbers: 2,5,8
  • Flowers: hydragea, daisy
  • Mineral: agate


Unlucky things for pigs:

  • Colours: red, blue green
  • Numbers: 1,7,9
  • Directions: southeast
  • Months: 4th, 9th, 12th (Chinese lunar months)

Lunar year

Professions For Pigs

Charity work as well as fundraising is the perfect profession for a pig who is calm, seeks harmony and compromise. People born on this year are gentle, patient and understanding, that’s why they make great teachers and coaches. However, 2019 isn’t the optimal year to be changing carers if you’re a pig.

Pigs will have a small setback in their professional life this year. Everything will improve once you gain motion. For entrepreneurs, it’s a good year to develop their businesses. The last months of 2019 are the best time for pigs to achieve their goals.

If you were born in the year of the pig, you will experience a good financial year. Pigs will do well in their investments and can expect some great rewards.


2019 is a lucky year for male pigs in their relationships. Female pigs on the other hand will find it harder to find a suitable partner and should not be surprised if they experience a lack of progress in that department.  The best matches for pigs are: Goat, Tiger, Rabbit. These zodiac signs are the most compatible with pigs as they can easily form a deep connection and appreciate the pig’s qualities. For pigs who are already in a relationship it is important to focus on communicating their desires to their partners.

This year will be perfect to find out what you are looking for in a partner if you are a pig. The lack of drama in the relationship this year will give you the opportunity to focus on your friends and making new connections.

New Year

The year of one’s zodiac sign is their 本命年 (ben ming nian). It is a special year for their sign with both ups and downs. If you were born in the year of the pig you will have the opportunity to consult some reoccurring problems this year and perhaps finally find a solution. In order to bring as much good luck as possible to your year, it’s a good idea to attend happy events such as weddings or family gatherings.



Check Out These Hacks To Stay Warm This Winter!

Heavy snow has been a regular occurance in the UK in the last few years , causing its usual disruption to commuters and services. Temperatures in the UK fall to near freezing, leaving many people suffering from the cold in and outside of their homes.

While some of us might be tempted to have the heating on all day to stave off the cold, many of us would rather refrain from taking out quick small loans to afford the prospect of higher energy bills.

While it is still extremely cold- here are our tips and tricks to keep warm in these sub-zero temperatures!

Wear Layers

This may seem obvious but the more layers you have, the warmer you will be. There’s no shame in looking like the Michelin Man  to keep you body temperature at a good level.

Use electric blankets and throws to keep the cold air at bay, wrap them around you when the temperature drops. Pets are walking radiators, if you’re a pet lover grab your cats, dogs, hamsters, rabbits and other furry friends and give them a hug— their body heat will help keep you toasty.

You may not know this, but you have been using a hot water bottle wrong your whole life. Most people hold a hot water bottle close to their chest or stomach but according to research, to feel the full effects of it you need to grip the bottle in between your thighs. This is because it heats the blood located in your major femoral arteries which then circulate around the body.

Stop The Heat Escaping

Stop the cold weather coming into your home by plugging the gaps under doors and older windows. Wrap a large cardboard sheet with regular tinfoil and sticking it behind the radiator will reflect the heat back into the room. If you don’t fancy get crafty, you can also buy them. 

Stop the cold weather coming into your home by plugging the gaps under doors and older windows with draught. You can buy draught excluders, but you could also make them by filling a pair of tights with rolled up socks or old towels and clothes .

Try to close off the rooms in your house that you’re not using, the smaller the space the easier it is to get the room temperature to a comfortable degree.

When the sun is (rarely) out, make sure you open the curtains to let the light through. When its gone or set, draw them again so the heat can’t escape. You can even get thermal curtains!

Make the most of the heat

When you take a hot shower, leave the door open to allow the warm air travel through your house, making it nice and warm. A word of warning, don’t do this too often as you will make the walls damp and thus prone to mould! Perhaps avoid this one if you have a house share.

A better option is leaving the oven door open once you’ve finished cooking dinner, this air is dry so it won’t make your walls wet and is another way of heating up your home without spending more money on heating.

You can do the same with your oven, once you’ve finished making something, leave the door open to allow the generated heat to fill the kitchen.

Get Cheaper Heating Bills

The most efficient way to keep your home warm is to consistently keep it at the same temperature, which means leaving your heating on. This could obviously incur huge bills, which is not ideal.

If you do need the added warmth from your radiators and heaters then the best thing to do is ensure that you are getting the best energy deal. Use comparison sites like Compare The Market and consumer finance sites like  Money Saving Expert’s Cheap Energy Club to help you find the best deal.  You could save hundreds of pounds a year just by switching your utility provider!

By switching your heating bills you could save yourself money on your monthly utility bills, meaning you may not need to apply for short term  loans to help you with your monthly finances. If you do have an unexpected circumstance, you can apply for a quick cash loans with PiggyBank.

Don’t Let the Costs of Winter Partying Put Chills Down Your Spine!

Going out on the town these days is just so expensive. It’s only natural to want to unwind with a few drinks, have a dance with our mates, maybe some food and have a laugh. We all deserve a night out with our friends from time-to-time, but it can cost a fortune if you’re not careful.

A great night out can be achieved when you’re living on a budget however. Here, we take a look at some top tips to have a fantastic night out without spending over your budget.

Do Your Research

This might seem like it takes some of the fun out of the night, but taking a quick look around to see what offers are on at different bars and clubs, whether you’ll have to pay to gain entry to certain places (and how much it will cost), will save you hassle on the night itself. Put two or three venues to the choice of your group of mates after researching where you can get the most of a night out for your budget. If you can avoid paying an entry fee it can make a huge difference.

Cut Down on the Booze (Or Ditch it Entirely)

It is possible to have a good night out with friends without alcohol, or at least with just a few drinks instead of getting blind drunk. The fun is in the laughter, the dancing, the catching up and everything else that being with your mates is about. A few drinks to ease into the night can be great; too much alcohol can end up being a problem for your health and your bank balance. The costs are much greater where alcohol is involved, as the drinks are more expensive, the transport costs increase if you’re out later. Perhaps have a few drinks with your friends before you leave, and try not to drink for the rest of the night. Non-alcoholic options are also much better these days, so why not consider cutting down next time you’re out on the town.

Stick to a Budget

This is a hard one to commit to we know, but it is possible. After researching the entry fees and average prices of drinks, take a look at your budget and work out exactly how much you can afford to spend on the night out ahead. To ensure you are getting enough from the budget, eat at home before going out (this lines the stomach should you be drinking alcohol and ensures you’re not as likely to want a greasy takeaway at the end of the night). Another approach is to not take your bankcard out with you, relying on the cash you have in your hand.

Arrange Transport

Whether you are being dropped off and picked up by your partner, friend, or family member, or you have arranged for a taxi for either or both journeys, arranging transport before the night out can save you plenty of cash. A late night taxi can cost a lot more than a pre-booked service, and a lift with a loved one is even cheaper!

A night out doesn’t have to cost you a lot of money. It can be fun and entertaining without stretching your budget too far.

For more information on long term lending contact today.