You Don’t Need To Travel Far For A Winter Break!

For many people the idea of a winter break abroad is an absolute dream. When the temperature drops in the UK and the possibility of snow turns into the threat or rain and sleet instead, it is a nice idea to get away to somewhere warmer for a short break. You might worry that it isn’t always practical financially to book a holiday abroad at any time of year, but in the run up to Christmas and into January and February there are some fantastic deals on offer that can get you some of that much needed Winter sun.

 

In recent years there has been an increase in budget holiday providers and with the way we can all access different aspects of a holiday with ease, without having to rely on a travel agent to book the entire package of travel and hotel in one purchase, we now have more control over the holiday chosen. Budget airlines provide routes to many different parts of Europe at a good price that suits many different types of budgets, and with Air BnB and other online accommodation providers it is easy to find a suitable apartment, hotel or hostel to suit our needs and budgets when booking a winter holiday.


Now you know how to book a winter holiday without spending a fortune, where should you travel? Let’s take a look at a few attractive, and budget-friendly winter city breaks in Europe.

 

Barcelona

One of the most attractive and popular destinations in the World, the Catalan capital of Barcelona really does offer something for everyone. The mild winter climate makes it a tourist hotspot year-round, but during the winter months you can pick up a bargain in terms of travel and accommodation. In Barcelona you can visit the Camp Nou and witness the majesty of the footballing behemoth of FC Barcelona. Look around and experience the Gaudi architecture throughout the city, take in fantastic views from the top of Park Guell, or ride the cable cars down to the beach and seaside. The Gothic quarter provides the dark and welcoming cobbled backstreets to experience friendly-vibes and wonderful tapas.

Lisbon

Compared with other European capital cities Lisbon is affordable, with great food (buy as many Pastéis de Nata as you can!), beautiful architecture and an exciting nightlife. It has a laid-back vibe that offers a relaxed short city-break and is mild during the winter months. With the waterfront, the largest indoor aquarium in Europe, two large football clubs and a whole host of other attractions, Lisbon is a city to wander around in, get lost on the cobbled streets and make new friends.

 

Prague

Prague offers that scenic winter wonderland, a fairy tale romantic notion of a city. With the magical cobbled streets and extravagant squares, to the Baroque palaces, Prague offers something for everyone. The Old Town is beautiful and has a wide range of designer shops, art galleries and local cuisine, and during the winter months it is perfectly achievable to book a fantastically priced apartment or hotel.

Athens

The birthplace of democracy, Athens provides a mild winter getaway with as much history as you are likely to see anywhere else in the world. The streets are filled with historical artefacts and archaeological sites of interest, with the iconic Acropolis the centrepiece of the city that can be viewed from miles away. The people of Athens are very friendly, with art and music in the squares and side streets, the prices are reasonable and the food incredible.

 

As you can see, there are plenty of enticing, affordable options for winter city breaks on a budget in Europe. Make sure you have a wonderful wintertime, wherever you choose to visit.

 

How to Create a Self Development Plan for 2019

Feeling trapped in your habits? Self-development and self-help are trendy terms, but how to achieve them? Do you make new resolutions but fail to keep to them? This is much more common than you might think. But it’s time to leave whatever imperfections you decide behind, and achieve betterment and improvement in the New Year! You can almost certainly improve your habits and behaviours and a well thought out self-development plan will help you keep on track. We’ll provide you with the tips you need to create an incredible plan!

Plan

You Have to Want it

First and foremost, you have to set a goal you actually want to achieve, and be ready for it to become a priority. Think about what’s most important to you? What achievements would make you feel successful? What skills do you want to develop? Your goals can be anything, ranging from business, financial or fitness related. Pick a goal that will have a positive and enriching effect on your life – that way you are more likely to pursue it. Now that you have committed to the goal, write it down. Yes, that’s right, we’ll start our self-development plan from the end! This way we can work backwards with the goal visualised in your head to develop a timeline and specific steps of action.

Race

Do it Straight Away

There’s no point in waiting around – whatever your goal may be, start working on it now. Delaying the task will only make you procrastinate more or kill your motivation before you even get started.

Divide your goal into smaller targets and set a deadline for each. This way you’ll add some weight to your self-development plan. Make sure your deadlines are realistic but not too easy to achieve, so you feel more accomplished when you meet your target.

Darts

Inspiration

Keeping yourself inspired will help you out when things get tough. When we start a new resolution, the first couple of days are easy because that’s when our moral and motivation are the highest. However, once the first level of excitement is gone, it’s hard to keep up with your plan.  

If you could find someone who has achieved your goal or has a great self-development plan, you should talk to them. It could be good to find someone with authority in the area you are trying to improve in. Just remember that a self-development plan should be personal, just as a good goal is, so you should avoid trying to copy your inspiration. Try to adapt their methods to your own tastes.  

Self Development Plan

Baby Steps

If you bite off more than you can chew, you are bound to choke. The same philosophy can be applied to your self-development plan. Gradual and continuous progress towards your final goal ensures you stay on track and increases the likelihood of achieving your aims.

Break down your self-development plan into sections with clear and realistic targets. You could use the Pomodoro Method to help you.

This way you can achieve your goals in short bursts of hyper focus, with frequent breaks. It has a high success rate, this could work for you and your aims, but it really depends on the goal you set yourself and the activities necessary in achieving it.    

Remember to measure your progress – this will be extra motivating, and you’ll be sure you’re staying on track.

 

Find a Friend

If you and your friend have a similar goal, why not embark on this journey together? This is usually a great idea, because there will be someone to keep you accountable, motivated and will help you stay on track. Sometimes when we’re not feeling good enough, a pair of unbiased eyes is particularly useful to help you complete your goal and show you a different perspective. They could even share their experience, giving you valuable tips or just be a cheerleader when you’re feeling down.  

Attitude is Key

The main reason people don’t stick to their personal development plans is that they start to get a negative attitude towards it. If you’re being negative towards yourself, you’re also bound to set yourself unrealistic standards. If you stay positive, even when things are not going according to plan, you are much more likely to push through the hardships and complete your ultimate goal. If something goes wrong, don’t put yourself down, learn from this experience! Once you feel good and confident about yourself you will be in the right mindset to complete your self-development plan.

Another key attitude to nurture is taking your plan seriously, otherwise, you will neglect or forget about it.

self development

Abandon Perfection

Embrace the fact that you won’t obtain perfection – sometimes unforeseen circumstances can affect our self-development plan, no matter how well we crafted it. If you become too focused on getting everything right, even on the first try, you will just get frustrated and discouraged.

Instead, enjoy the journey – not just the final outcome.

Perfection

Beat The January Blues Survey Terms & Conditions

TERMS AND CONDITIONS FOR THE ‘PiggyBank January 2019 Survey (‘the Survey)

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 Survey. Entering into the Survey 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 survey, you print a copy of these Terms for your future reference.

INFORMATION ABOUT US

  • 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 https://www.piggy-bank.co.uk/contact/ or call us on 0800 206 1560

HOW TO ENTER THE PRIZE DRAW

  • To enter the prize draw, all you need to do is to submit a completed survey, before the deadline of 31 January 2019.
  • Entries received after 11.59pm on 31 January 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.

RESTRICTIONS ON ENTRY

  • All PiggyBank customers can enter the competition and be entered into the prize draw
  • No more than one entry per customer
  • Providing incorrect information (such as a false name, contact number or email address) will mean that you are ineligible to enter the prize draw
  • PiggyBank may disregard any entry it believes has been made in breach of these Terms

THE PRIZE

  • There will be one prize available, which will be chosen at random. The prize is a cash prize of £350.00 which will be sent in the form of a cheque.

RULES AND PROCEDURES

Please note that, first and foremost, the following rules and procedures are not intended to require the results of the survey to only be positive, PiggyBank wants them to reflect the real views of real people.

  • Survey answers must relate to your preferences
  • Survey answers must be written in good faith and must be honestly believed, appropriate, civil, tasteful and accord with generally accepted standards of etiquette. Survey answers must in particular not:
      1. be illegal or unlawful under any applicable local, national or international law or regulation;
      2. infringe any third party’s legal rights (including any copyright, moral right, database right, trade mark right, design right, right in passing off, or other intellectual property right);
      3. be libellous, maliciously false, harassing or threatening;
      4. infringe any right of confidence, right of privacy, or right under data protection legislation;
      5. be fraudulent, have a fraudulent purpose or effect, be in contempt of any court, or in breach of any court order;
      6. be obscene, offensive, sexually explicit, promote violence or promote discrimination based on race, sex, religion, nationality, disability, sexual orientation or age;
      7. be untrue, false, inaccurate or misleading; or
      8. constitute spam
  • Please note that PiggyBank may contact you on the details provided to discuss your survey answers or account.

SELECTING THE WINNER

  • PiggyBank will draw one winner
  • The winner will be selected at random by a computer generated number from the qualifying responses which were received before the cut off date outlined
  • PiggyBank will attempt to contact the winner by email, phone or via social media. PiggyBank reserves the right to redraw if the winner cannot reasonably be contacted within 7 days of the draw.
  • The winner will be notified by email and we will require a full name for the cheque and a postal address to send it to.
  • The prize will be sent within 7 days of the winner’s confirmation of full name and postal address.

PRIVACY AND PUBLICITY

  • The winner’s first name may be announced on PiggyBank social media channels, within 6 weeks of the prize draw.
  • The winner 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.

OUR LIABILITY TO YOU

  • 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.

GENERAL

  • Discretion: Where these terms refer to exercise of an 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 Survey: 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 email. 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.
  • 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.

Throwing a Fabulous New Year’s Eve Party on a Budget!

If you’re hosting a New Year’s Eve party this year, it’s only natural that you worry about the cost. With it coming hot on the heels of Christmas (often the most expensive time of the year), how do you wow your New Year’s Eve guests if you are putting together a party on a budget? Don’t worry, you won’t have to rely on an instant payday loan, here are a few handy to tips to help keep party costs low yet ensuring your guests have a great time bringing in 2019!

Utilise the Décor You Have Available

There are so many everyday items, and normally mundane features in your house that can be repurposed for use during a party. They can be used to create a focal point for the party (a simple wooden block can be used to place the main food for the party and become a centrepiece). Use festive decorations in a new way, so pinecones and Christmas baubles can be placed inside vases for a new aesthetic.

Games and Entertainment

A New Year’s Eve party is quite often deemed a success by the types of entertainment on offer, but it doesn’t have to cost you the earth to be entertaining. Old board games that you already own are always a great place to start, or even pick them up cheaply on Amazon, but simple games such as charades bring a lot of fun for everyone and only require a pen and paper to play. There are also tons of card games you can play with a deck of cards!

Food and Drink

Here’s where a lot of the budget for a New Year’s Eve party can be wasted. In the build-up to Christmas keep an eye on discounts and sale items in your local supermarket, as well as places where you can buy in bulk. Try to keep your New Year and Christmas goods separate so that you have plenty of food and drink ready in advance. A bring your own booze policy is acceptable, as long as you, as the host, provide the mixers and a selection of non-alcoholic drinks alongside it. Simple snacks to cater for the entire evening are welcome, whilst a centrepiece main meal could do the job, something easy that can be slowly cooked and cater for a large group of people, such as chilli, a Bolognese or lasagne.

Homemade Crafts and Drinks

As part of the decorations, there is a chance to get everyone involved. If you have children, perhaps ask them to come up with ideas for crafty items that can be used for decoration. You could kill two birds with one stone when it comes to the drinks on offer and the competitive nature of having friends round to play games and party – ask your guests to come up with their own cocktail concoctions, with prizes for the tastiest drink and funniest beverage name.

The Soundtrack of the Night

The easiest way to get the party started on a budget is to take some time out to create the perfect playlist for the evening. Put together some of your favourite tracks of the year, songs that you know everyone in the group loves, and those stone-cold classics that are guaranteed to get everyone moving on the makeshift dance floor in the living room!

‘Wow’-ing your guests at New Year doesn’t have to cost a fortune. With a little heart, some craftiness and an eye on the sales you can ensure everyone has a fantastic night celebrating 2018 and the year ahead in 2019.

Google Review Competition Terms and Conditions

TERMS AND CONDITIONS FOR THE ‘PiggyBank January Review 2018 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.

INFORMATION ABOUT US

 

  • 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 https://www.piggy-bank.co.uk/contact/ or call us on 0800 206 1560

 

HOW TO ENTER THE PRIZE DRAW

 

  • To enter the prize draw, all you need to do is to submit a review of PiggyBank on the Google review website, before the deadline of 14 February 2019.
  • Entries received after 11.59pm on 14 February 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.

RESTRICTIONS ON ENTRY

 

  • All PiggyBank customers can enter the competition and be entered into the prize draw
  • No more than one entry per customer
  • Providing incorrect information (such as a false name, contact number or email address) will mean that you are ineligible to enter the prize draw
  • PiggyBank may disregard any entry it believes has been made in breach of these Terms

 

THE PRIZE

 

  • There will be two prizes available, which will be chosen at random. The prizes are one iPad Wi-Fi 32GB, and one Echo Dot (3rd Gen).
  • No cash alternative is available to any of the prizes and they cannot be transferred, sold or exchanged.
  • The winners will be required to confirm the address to which their prize should be sent to when PiggyBank contact them to inform them of their win.

 

RULES AND PROCEDURES

Please note that, first and foremost, the following rules and procedures are not intended to require reviews to only be positive, PiggyBank wants them to reflect the real views of real people.

 

  • Reviews must relate to your preferences
  • Reviews must be written in good faith and must be honestly believed, appropriate, civil, tasteful and accord with generally accepted standards of etiquette. Reviews must in particular not:

 

      1. be illegal or unlawful under any applicable local, national or international law or regulation;
      2. infringe any third party’s legal rights (including any copyright, moral right, database right, trade mark right, design right, right in passing off, or other intellectual property right);
      3. be libellous, maliciously false, harassing or threatening;
      4. infringe any right of confidence, right of privacy, or right under data protection legislation;
      5. be fraudulent, have a fraudulent purpose or effect, be in contempt of any court, or in breach of any court order;
      6. be obscene, offensive, sexually explicit, promote violence or promote discrimination based on race, sex, religion, nationality, disability, sexual orientation or age;
      7. be untrue, false, inaccurate or misleading; or
      8. constitute spam

 

  • Please note that PiggyBank may contact you on the details provided to discuss your review or account.

 

SELECTING THE WINNER

 

  • PiggyBank will draw two winners
  • The winners will be selected at random by a computer generated number from the qualifying responses which were received before the cut off date outlined
  • PiggyBank will attempt to contact the winners by email, phone or via social media. PiggyBank reserves the right to redraw if the winners cannot reasonably be contacted within 7 days of the draw.
  • The winners’ prizes will be sent to them at the UK address which they provide when contacted by PiggyBank. The prizes will be sent within 14 days of the winners’ confirmation of the address.

 

PRIVACY AND PUBLICITY

 

  • The winners’ first names may be announced on PiggyBank social media channels, within 6 weeks 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.

 

OUR LIABILITY TO YOU

 

  • 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.

 

GENERAL

 

  • Discretion: Where these terms refer to exercise of an 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 Survey: 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 email. 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. 

 

  • 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.

 

Christmas

12 Days of Christmas Terms & Conditions

Christmas Competition

TERMS AND CONDITIONS FOR THE ‘PiggyBank December 2018 12 Days of Christmas 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.

INFORMATION ABOUT US

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

HOW TO ENTER THE PRIZE DRAW

4. To enter the prize draw, all you need to follow the appropriate instructions from the social media post (Facebook, Instagram, Twitter) and submit all the necessary information before the deadline.

5. Entries received after the deadline stated in the posts 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.

6.  Entries posted on any particular day must be received between 00:01am and 23:59pm on that particular day.

RESTRICTIONS ON ENTRY

7. This free Contest is open to anyone living in the UK and over the age of 18, excluding employees of DJS (UK) Limited, their families, or anyone else connected with the Contest.
8. Multiple entries are permitted on separate days.
9. There will be 12 separate contests and 12 separate opportunities to enter. 10. PiggyBank may disregard any entry it believes has been made in breach of these Terms.

THE PRIZE

1. 1st Prize Draw (Day 1) = winner will receive an Escape Room board game.
2. 2nd Prize Draw (Day 2)= winner will receive a £10 Odeon gift voucher.
3. 3rd Prize Draw (Day 3)= winner will receive a Christmas Cookbook.
4. 4th Prize Draw (Day 4)= winner will receive a family ticket to Winter Wonderland in London, Hyde Park
5. 5th Prize Draw (Day 5)= winner will receive a £25 Odeon gift voucher.
6. 6th Prize Draw (Day 6)=winner will receive a The Chocolate & Fizz Collection
7. 7th Prize Draw (Day 7)=winner will receive a Lucky Voice Karaoke Machine.
8. 8th Prize Draw (Day 8)=winner will receive a £50 Netflix voucher.
9. 9th Prize Draw (Day 9)=winner will receive a £75 Amazon voucher.
10. 10th Prize Draw (Day 10)=winner will receive an Amazon Echo Spot.
11. 11th Prize Draw (Day 11)=winner will receive a Kodak PixPro FZ152 Black

12. 12th Prize Draw (Day 12)=winner will receive a a pair of Beats Wireless Solo 3 Headphones.

RULES AND PROCEDURES

Please note that, first and foremost, the following rules and procedures are not intended to require reviews to only be positive, PiggyBank wants them to reflect the real views of real people.

12. Your submissions must relate to your preferences
13. Submission must be posted in good faith and must be honestly believed, appropriate, civil, tasteful and accord with generally accepted standards of etiquette. Reviews must in particular not:
a. be illegal or unlawful under any applicable local, national or international law or regulation;
b. infringe any third party’s legal rights (including any copyright, moral right, database right, trade mark right, design right, right in passing off, or other intellectual property right);
c. be libelous, maliciously false, harassing or threatening;
d. infringe any right of confidence, right of privacy, or right under data protection legislation;
e. be fraudulent, have a fraudulent purpose or effect, be in contempt of any court, or in breach of any court order;
f. be obscene, offensive, sexually explicit, promote violence or promote discrimination based on race, sex, religion, nationality, disability, sexual orientation or age;
g. be untrue, false, inaccurate or misleading; or
h. constitute spam
14. Please note that PiggyBank may contact you on the details provided to discuss your submission or account.

SELECTING THE WINNER

15. PiggyBank will draw twelve winners. Winners will be selected at random or based on the Promoters judgment from all of the entries that meet the terms and conditions. Winners will be notified the following working day except Christmas Eve where the lucky winner will be notified by the 28th. 
16. The winners will be selected at random or based on the Promoters judgment by a computer generated number from the qualifying responses which were received before the cut off date outlined
17. PiggyBank will attempt to contact the winners by social media. PiggyBank reserves the right to redraw if the winners cannot reasonably be contacted within 72 hours of the draw.
18. The winners’ prizes will be sent to them at the UK address which they provide when contacted by PiggyBank. The prizes will be sent within 14 days of the winners’ confirmation of the address.

PRIVACY AND PUBLICITY

19. The winners’ first names and county of residence will be announced on the PiggyBank social media page that they entered on, after confirmation from the winner.
20. The winners may be asked to take part in free publicity surrounding their win but participation in such publicity is not compulsory.
21. 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.

OUR LIABILITY TO YOU

22. 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.
23. 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.

GENERAL

24. Discretion: Where these terms refer to exercise of an discretion by PiggyBank such discretion shall be absolute and no correspondence shall be entered into regarding any associated decisions.

25. 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.

26. Cancellation of the Survey: 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.

27. 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

28. Variation: We may update these terms from time to time. We will notify you of any changes via email. These changes will take effect from once such notice has been given.

29. Other promotions: Any other promotions run by PiggyBank will be governed by their own separate terms and conditions.

30. Vouchers: The use of any vouchers provided by PiggyBank may be subject to additional terms of use printed on the vouchers themselves.

31. 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

32. 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.

Sleeping bear

How to Beat the Winter Blues and Stay Productive

It seems like winter has arrived! The days are shorter, it’s constantly dark outside, and most of the time we don’t want to get out of our warm beds. Some of us might even experience the “winter blues”. Whether it’s seasonal affective disorder or post-holiday let-down, you will benefit from our tips and tricks on how to prevent yourself hibernating this winter. Want to know how to stay active, motivated and productive during this season? Keep reading to find out more!

Move your Body

Sports

Feeling cold? Do a little exercise! Keeping active is crucial for staying healthy and having an alert mind. Although there is no one-size-fits all when it comes to working out,  there are some principles that you can follow to increase your physical and mental well-being, resulting in a more productive lifestyle. It can be beneficial to train at least 3 times per week, for around 45 minutes. According to the Independent, your workouts should include weight training, high intensity interval training and cardio.

Sleep

Sleeping woman

You might find that you’ll need more sleep during winter, especially after a productive work-out. However, this shouldn’t be an excuse to lie in bed all day! Perhaps instead of surfing on your phone or binge-watching Netflix until 3 AM, you could read a book and go to sleep early. This way you will wake up fresh and have lots of energy to have a productive day.

Become a Morning Person

 

Morning

Do you identify with this? If so, you may be interested to know that a recent survey conducted by The Guardian showed that many CEOs of successful companies wake up around 5 am. All you have to do is change you habits and schedule. You can achieve this early morning lifestyle by:

Early Morning

 

You are more likely to stay motivated throughout the whole day if you have a productive morning.

Create a Morning and Evening Routine

Now that you are ready to wake up early and be productive, think about the things you want to achieve. Claire Diaz Ortiz, a productivity expert and author of Design Your Day, claims that the best thing you can do to be productive is to create your perfect morning routine. Here are some tasks you could undertake to ground yourself and ensure you’re focused throughout the day:

Productive Morning

You can do anything you like and for how long you like.

In order to have a relaxed morning routine you will have to prepare for it, and the best time to do this is the evening before. If you have all the important tasks sorted, and you eliminate decision-making in the morning, you can save yourself a lot of time. This way you can start the day on a positive note, rather than in a nervous frenzy looking for matching socks…

 

Here are some activities you could include in you evening routine:

Night-time routine

Prepare for the weather

cold

If you’re more sensitive to the cold, now could be a great opportunity to go shopping and get some cute winter clothes. You don’t want to constantly get distracted and feel uncomfortable, because you are cold, especially when you’re trying to be productive.

Make it a habit to check the weather forecast and leave earlier if it will be raining or snowing. There is nothing worse than stressing about being late for work just because of the weather. When you feel prepared and focused you are more likely to stay productive.

Spend Time Outside

Winter fun

If you suffer from SAD it’s particularly important that you spend at least 10 minutes in sunlight each day. You’ll be surprised how positively this will impact your mood. You could go on a little stroll during your lunch break or, instead of driving your car, you could ride your bike into work. Having some fresh air will decrease your stress levels and increase your productivity. Remember, we all need a break to remain effective.

Super Foods

soup

We are naturally drawn to more calorific foods filled with fats and sugars during winter, however resisting these temptations could prevent you from feeling sluggish and unproductive. Perhaps have a healthy and energising breakfast like porridge, which will keep you warm and feeling fuller for longer. Eating a lot of fruits and vegetables with essential vitamins and minerals should prevent you from getting ill, which is one of the biggest factors affecting productivity. To further protect yourself from bacteria, remember to wash your hands frequently, take supplements and avoid getting too cold.

Set Goals

setting goals

Set yourself goals to remain motivated and on track. It keeps you productive as you know you’ve got a deadline you want to meet. Keep your goals SMART: Specific, Measurable, Achievable, Relevant, and Time-based. Your goals should prevent you from becoming distracted and enable you to prioritise the more important things. By starting a new project you can get a new surge of motivation and inspiration. Having a monotonous and boring routine can kill your productivity, so try to mix it up a little.

 

To reach a whole new level of productivity, you could take a course, or learn a new skill. You can look for classes at your local library or community centre, or if you’d rather stay at home, try finding something you’d like online. Winter is also a great opportunity to try winter sports like skiing and ice-skating or develop a new indoor hobby, like painting, writing or calligraphy.

Stay Social

Socializing

The worst thing you can do, especially if you are suffering from SAD, is isolate yourself. Go for a meal, to the cinema or for a couple of drinks with your family or friends. A bit of social interaction will almost certainly get your endorphins up. The happier you are, the more productive you will be! If you feel like you don’t have the time, or the funds for these sort of activities, try to make an effort at work. Don’t eat your lunch alone in front of your computer screen, have a little chat in the common room or with the colleague working next to you.

Plants

Planting

Surrounding yourself with life will liven you up! It might be too cold to grow anything in your garden, but you can plant even simple things like spices or herbs inside your house, on your windowsill. You could even plant some seeds that take longer to germinate and watch them transform as spring approaches.

Relax

Relaxing

After a productive day, reward yourself! Self-care is crucial if you want your productive lifestyle to be sustainable. Take a bubble bath, have a glass of wine or a relaxing night in with your partner. This will help you recharge, so you don’t burn out before winter ends.

If you are really struggling to stay productive during winter, this could be the time to go on holiday. Perhaps all you need is a week skiing or catching up with friends to charge your batteries, to be ready and motivated again.

Now that you know all the tips and tricks on how to stay productive during this winter period, make sure you believe in the tasks you set yourself and enjoy achieving your goals! Don’t forget to reward yourself and take breaks – that way you’ll definitely stay motivated.

Are You Prepared for the Coldest Winter in a Decade?

The scorching heat of the summer has now become a distant memory. We may have all been praying for a breeze a few months ago – now we may be facing the coldest winter in a decade. Many long-range forecasts have predicted “potentially crippling snowfalls and ice storms” between Christmas and the New Year.

But if there’s one thing residents of the UK are good at, it’s solving weather related problems! We may complain and reminisce about better months, but we always find a way to keep going. So what can you do this winter to keep warm?

Wrap Up Warm

This may seem like an obvious solution, but it may be good to think about finding your winter gear early. The cold is due to start setting in this month, so start piling on the layers! If your coat isn’t up to scratch, maybe put it on your Christmas list. You’re bound to get at least one pair of fluffy socks too.

Once you’ve covered yourself in as many clothes as humanly possible, it’s also a good idea to keep active to boost your circulation. It’s recommended that you move around at least once an hour, even indoors. Maybe just wander to the kitchen to make another cup of tea. 

Stop Drafts

Another practical but essential tip for keeping warm this winter is to make sure your house is well insulated. Not that we’re suggesting you start a huge insulation project in your loft, or double glaze your windows right now. There are a lot of cheap tricks that can keep the heat in, from closing all your doors, to buying thermal linings for your curtains.

You can also check to see if you’re entitled to any financial aid when it comes to heating costs. Those aged over 65 may be eligible for up to £300 this winter to help pay their heating bills. This is known as a ‘Winter Fuel Payment’. The Energy Saving Trust can also point you in the direction of any support available, and help you reduce your heating costs.

Check The Heat

Presumably you’ll have turned the heating on already, but if not, make sure that your heating system still works! It may be sensible to have it checked over by a professional too, to see if there are any problems that could arise in the coming months. The festive season is always expensive, so don’t get caught out by costs like replacing your boiler if you can help it.

It’s recommended that you try to maintain the temperature at around 20°C in the areas you spend a lot of time, like your living room. You can also invest in hot water bottles and electric blankets – you can get an electric blanket for a double bed for as little as £16.40 on Amazon.

Heartwarming Food

Start warming yourself from the inside out. BBC Good Food has tons of recipes for casseroles and other meals that are sure to give you a rosy glow.

It’s also good to focus on the fact we’ll almost certainly have a white Christmas this year! You can use this opportunity to take some picturesque photos. You could even use the pictures on your Christmas cards, for a personal touch.

 

Ultimate Guide to Finding the Best Deals on Cyber Monday

Cyber Monday, also known as the day of double discount bargains, is taking place on Monday 26th of November. This online sale (hence the name ‘cyber’) is the best opportunity to smash out your shopping list and spend the lowest amount possible.

Everything from fashion, electronics and even flights are subject to discounts. Even though some stores will keep the same bargains running from Black Friday to Cyber Monday, other shops will further reduce the price tag, to get rid of any remaining stock.

The complete guide below will show you how best to shop on Cyber Monday. It includes smart shopping tips and tricks and some of the retailers that will get involved!

 

Think Cyber Week

Thinking about Cyber Monday as just one day event is over, now it’s become an entire week! That isn’t to say that you shouldn’t focus mostly on the 26th, however, you can expect to see discounts for the whole week. This is a perfect chance for those who like to contemplate long and hard upon their shopping choices. You can have a good think before buying anything, preventing any unnecessary splurging.

Social Media Platforms

Many retailers are not only selling on their website but also on various social media platforms. Therefore keep your eyes peeled on your favourite retailers’ social media for additional sales opportunities.

Better Safe Than Sorry

We always recommend you check the retailer’s policies before making any purchases. You can even have a quick look at the terms and conditions to see their return policies etc. This way you can also find out more about their shipping fees, which sometimes can make or break a good deal. Consider adding to your basket if this will reduce the shipping fee as this might be more economic in the long run.

Fake deals

Sometimes a product sounds too good to be true or the deal wants to sound good, but in reality it’s a scam. Just because it claims to be a discount it might not be necessarily be, so compare different retailers before you settle. You might also want to see the prices of your desired products before Cyber Monday starts to see how much cheaper they really get!

Holiday Gift Guides

If you’re looking for presents rather than items for yourself, gift guides are great to focus on. If you don’t know what to buy for your vegan, hippie aunt or what sort of toys your 5 year old niece would like, gift guides created for Cyber Monday could be exactly what you need!

Up-sells and Add-ons

Look for opportunities such as: “Buy 2 Get 1 Free”. You don’t want 3? That’s fine, just give it to a friend! To make sure you don’t miss out on any discounts or deals check out content for early shoppers available on your retailers’ website or social media. Besides following your desired retailers on their online platforms, you can also take advantage of Pop-ups. Many of us are prone to ignoring those mildly irritating ads, however, sometimes they can contain further deal opportunities.

Retailers

Below, you can find a list of the 7 most famous Cyber Monday deals and retailers:

  • Amazon is most likely to offer the best discounts on its own brand products like: Alexa, Kindle and Fire tablets.
  • Electronics such as TVs, laptops, and mobiles will also be on sale.
  • There will be plenty of reduced price products from the likes of home, beauty, and fitness.
  • Currys are definitely going to host some big sales.
  • eBay will likely run some very competitive deals.
  • Apple will probably get involved again this year – however, don’t expect very heavy discounts.

Do not take out a mobile phone contract in the days before Cyber Monday, as prices will drop massively.

shopping

 

When it comes to making the most of Cyber Monday, preparation is key. Research the products you want to buy well in advance rather than splashing out on a whim. Make a clear plan of what you actually need and don’t go for every “deal” out there.

So get your credit and debit cards ready as it could be the last chance to bag a bargain before all the November discounts end!

Shopping on Black Friday

Everything you need to know about Black Friday

Black Friday! The best time to do your shopping… or is it? This phenomenon, which originated in the USA, has already become well established in the UK since it first introduced by Amazon in 2010. As it has evolved over time, the event has also extended in length (now the discounts last around a week or two) and increased in popularity.  

When Is Black Friday?

Black Friday 2019 is on Friday the 29th of November in the UK. Although many retailers start the sales up to two weeks prior to the event.

This article will give you some basic information about this largely hyped event. Read more to find out what to expect, where to shop, and what to be wary of. 

What to expect

Black Friday is the opportunity for retailers to out-discount one another, so expect to be bombarded by appealing deals. In fact, 91% of stores offered discounts last year. However, the most important thing to remember is that the majority of these discounts are not actually good deals.

Which? has found that only four of the 83 products they studied last year were actually cheaper during other times of that year.

How To Prepare?

Recent research shows that most shopping will be done online and this is where you’ll find the best deals. However, it is advisable to make sure you compare retailers and purchase items only from trustworthy sites. You can use sites like PriceSpy to check whether you’re getting the best deals.

Unfortunately, before Black Friday it would be good to tighten your belt and save as much money as possible. If you plan out a budget and items you actually need, you’ll be more likely to not overspend.  

Best offers

Nab the best deals. Look for offers like “Buy 2 get 1 free”. Obviously offers such as the one above, will make you spend more money during that particular purchase, however you get things for free, saving you money in the long run. Just make sure the objects you buy are actually things you need and you won’t be manipulated into overspending.  

What to focus on?

Think in terms of characteristics that you like in a potential purchase rather than a specific model. It might happen that the item you originally wanted won’t be heavily discounted, but you will find a cheaper similar version. You will prevent yourself from feeling disappointed when you focus on the features you are looking for opposed to particular objects. Here are a few key things to remember

  • Try not to impulse buy
  • Check the prices during other times of the year
  • Always check multiple review websites

Where to do your shopping?

What Black Friday deals can we expect, and which retailers are a safe bet for the best discounts?

Check out Amazon and their own brand products such as: Kindle, Fire TV and Echo. There will probably be a massive price drop on electronics. You can expect for both new products as well as second hand items on eBay to be dirt cheap. Argos will be another store where you will find discounted toys, tech and home wear.

The best discounts last year included iPhone 7, Nintendo Switch and let’s not forget Samsung Galaxy S8 therefore, we would recommend focusing on expensive technological appliances to get the best bargains.

Cashback

Some companies offer cash back when you spend money in stores they partnered up with. Check out websites such as Quidco. It’s worth noting that signing up might be beneficial not only during Black Friday but as a general way of getting cashback and vouchers.

Safety

In the UK your purchases are covered by the wealth and consumer protection laws. These act both on and offline. However, you have to keep in mind that this legislation might be hard to enforce if the purchase was made outside of the EU. You also have to be cautious of phishing sites and other forms of fraud. If something doesn’t seem quite right, it’s best not to go forward with the purchase. Make sure your anti-malware software is up to date, if you are shopping online.

Black Friday can also get quite intense in stores where some shoppers literally fight for their desired products. Please be mindful and avoid places which clearly are too packed and have poor crowd control.