PiggyBank November Review

If you are an existing customer living in the UK, then you could be in with the chance to win one of the fantastic three prizes.  All you have to do is submit a Trustpilot review of your experience of PiggyBank by 30th November – it’s so simple!  Three lucky winners will be selected at random and will win one one of these great prizes: an iPad Wi-Fi 32GB, an Echo Dot or an Amazon gift voucher of £50.00. Good luck!

Click to write your review!

All entries must be submitted by midnight on the 30th of November. The winners will be announced on the 3rd of December 2018 by 6 pm and will be notified via Trustpilot / email.

TERMS AND CONDITIONS FOR THE ‘PiggyBank November 2018 Prize Draw’ (‘Prize Draw’)

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

Please read these Terms and the associated Privacy Policy carefully before you enter the Prize Draw. Entering into the Prize Draw 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 prize draw, 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 TrustPilot website, before the deadline of 30 November 2018.
  • Entries received after 11.59pm on 30 November 2018 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 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 three prizes available, which will be chosen at random. The prizes are one iPad Wi-Fi 32GB, one Echo Dot (3rd Gen) and one Amazon gift voucher of £50.00.
  • 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 three 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 will 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 prize draw 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 Prize draw, and supersede and extinguish all previous agreements in respect of the Prize draw
  • 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.
  • 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.

 

 

The Myths And Truths About Millennials’ Relationship With Money

If you were born between 1980 and 1996, you’ll be described as a millennial. Also known as Generation Y, this largely vague demographic has been widely accused of buying too many avocados and not saving up for their future. Put simply, a stereotyped millennial is rarely out of the headlines for how they handle their finances.

We’ve done the digging to uncover the money myths and facts about how millennials  are handling their money.

Myth: Millennials Are Lazy And Lack Loyalty

Many people earn extra income to help pay for everyday life, and millennials are no exception. People are making extra money by joining the side hustle economy. They can advertise a service or skill for sale on sites like Fiverr or Gumtree.  Often becoming Uber drivers or Deliveroo riders. These extra jobs are sometimes undeclared, so no tax is paid for doing them.

More than one in five millennials have admitted earning extra money on the side. The most popular being creative freelance work. Perhaps this is because it is so common for them to spend their income on payday…

There is a common misconception that millennials lack loyalty, however, research has shown that they are the most brand-loyal generation! Just think, how many iPhones did you purchase so far. Yet do not be fooled, this generation is highly selective and it is hard to win their loyalty.

Myth: Money Is Status

Many millennials believe that work-life balance is more important than financial incentives. 34% would consider a managerial job unattractive as it could impede on their ‘play hard work hard’ motto.

Myth: Millennials Blow Their Money

More than two-thirds of millennials don’t have an employer-sponsored retirement plan.  This worrying statistic does not however, place them in a worse position to previous generations. Unfortunately, history has shown that no generation has saved as much as it “should have”. So where do they spend their money? It’s definitely not on clothing, entertainment and cars which results in more money saved than their parents. Although seeking experiences is important to this generation, they are not as hot headed as some would like us to believe.

Truth: Millennials Love Indulgences

Artisan chocolate, coffee or fancy gin are a millennials’ essentials. Despite the fact that it is not a habit comfortable to the wallet, it is hard to criticize purchasing ethically sourced or local produce. They are also the most health conscious generation. They care more about their fitness journey than putting away pennies in their piggy bank.

Truth: It’s Time For A Break

Cheap flights make travel more accessible, and thanks to the internet new accommodation providers were added to the market. Millennials have a yearning for travel and new experiences, and a weekend in Cornwall won’t suffice. Destinations such as Bali and Thailand are increasing in popularity and are considered more attractive than saving for a house or car.

Truth: We Need More Knowledge

Generation Y is famous for their craving for education and desire for development.

They are currently on track to be the most educated generation! This does come with a cost; from expensive University fees to splurging on art classes and fitness courses. It seems that millennials’ attitude towards spending favors personal improvement over saving.

Millennials’ attitudes towards money will remain in the grey area. Despite saving on things like, housing, cars and clothes, they are spending much more in comparison to previous generation on : education, health and holidays. This generation does not normally perceive obtaining money as their priority, however the debate whether it’s better to cry in a Mercedes than on a bike will remain unresolved.

 

 

Budget

2018 Budget Explained: What it means for you and your money

The final 2018 budget has been delivered. As the UK leaves the EU, the Chancellor Philip Hammond will be preparing the country for  a “new chapter”. Therefore the aim is to strengthen the economy while opposing the slowly reviving Labour opposition. A lot of promises and statements have been made. Here is what they will mean for you.

 

Less Income Tax?

18,000,000 men and 13,000,000 women a total of 31,000,000 individuals pay income tax in the UK. Around 26,000,000 people pay this form of tax at the basic rate. The total you earn annually before the basic rate of income tax is paid is currently £11,850.

As of April (earlier than expected) this will be altered. The new amount will be £12,500 free of tax. The higher tax rate that starts at £46,350 at the moment, will be changed to £50,000 also in April.

Accounting specialists claim that this will result in a £100 saving for the basic rate tax payer. The amount for the higher rate taxpayer will be £860 and £600 for additional rate taxpayers. These rates could be however, reduced to £500  (for higher tax payers) due to National Insurance. All these changes are estimated to cost £2.8 billion in the next financial year.

These rates will be frozen the following year, but will increase with inflation thereafter. What this means is that, even if you will earn more, you won’t automatically be placed into a higher tax band.

Please be advised the income tax amounts will be different in Scotland. Any alterations will be stated in the Scottish Budget in December.

Benefits & Universal Credit

What is Universal Credit?

It’s a monthly payment for individuals on a low income or who are unemployed. It affects some benefits and tax credits that are categorised as housing benefits and Jobseeker’s Allowance.

This hugely complex welfare reform will be seen as a win for some and a loss for others.

The chancellor stated that work allowances would increase as soon as the roll out of Universal Credit is complete. A significant amount of working-age benefits are three years through a four-year freeze by April and this will remain unmodified. There is also a promise of £1 billion extra to help welfare claimants enroll to the new consolidated benefits.

Pay rises?

The National Living Wage will increase faster than the rising cost of living.

  • From £7.83 to £8.21 per hour those aged 25 and over
  • £7.38 to £7.70 per hour for 21 to 24-year-olds
  • £5.90 to £6.15 per hour for 18 to 20-year-olds
  • £4.20 to £4.35 per hour for 16 to 17-year-olds
  • £3.70 to £.3.90 per hour for apprentices.

The self-employed will also be affected. The Treasury believes that many individuals claiming self-employment are in fact working in substantially the same way as employees and therefore, should pay the same levels and types of tax. These include: income tax and national insurance. However, this will only affect medium and large enterprises.

Fuel Prices

The fuel duty will remain frozen for the ninth year in a row. On the downside the number of potholes will probably not decrease because the budget will only invest £420,000,000 into this problem. This small amount has already been heavily criticized by campaigners.

 

Debts and Loans

Those who found themselves unable to repay their debts from six weeks to 60 days can expect more “breathing space”.

A no-interest loan will be considered for those in financial difficulties to cover unexpected household costs.  This scheme is very similar to the Good Shepherd project taking place in Australia.

First-time house buyers just as those who received concessions in the last budget will get up to £500,000. This will also be upheld for any individual who has bought certain types of property in the last year.

Lettings relief will be limited to properties in which the owner is in shared occupancy with the tenant.

The chancellor is claiming that the era of austerity is “finally coming to an end”. The 2019 growth forecast is predicting an increase of 1.3% to 1.6%. In addition to these optimistic statements, 800,000 more jobs are expected by 2022. 

 

10 best places in the UK to Watch The Fireworks on Bonfire Night

Put on your hat, gloves and grab some sparklers, it’s Bonfire night! Get ready for a mad night full of thrills and amazing fireworks. Where in the UK is the best place to spend it?  Here’s our pick of the 10 best Bonfire night celebrations in the UK.

 Remember, remember! 
 The fifth of November…

bonfire

East Sussex

You will never forget this magnificent bonfire night highlighted by its grand procession. If you like an impressive torchlight parade and want to dress up in an elaborate costume, Lewes is where you need to be.  There will be around 30 visiting bonfire societies and loads more marching bands. All dressed up these groups will parade on the cobbled streets, passing 17 burning crosses. This is to commemorate Lewes’s 17 Protestant martyrs. The night will end with a huge firework display taking place on the hills near Lewes. What’s even better is that the procession is completely for free. However, if you want to have a good view of the fireworks we recommend you purchase tickets. 

Ottery St Mary, Devon

This bonfire night screams danger. It involves a peculiar tradition that dates even further back than the Gunpowder Plot. Women, men and children of all ages run through the town carrying barrels full of tar that are set on fire. If you like the sound of that but would rather observe than participate don’t panic! There will be a bonfire and obviously an amazing firework display, completely safe. The event starts on the 4th of November and is completely free. For more information visit: The Tar Barrels.  

Midsummer Common, Cambridge

Want to go somewhere with a big crowd? You can expect nothing less in Midsummer Common, Cambridge.  It is traditional and family friendly, hosted by Cambridge Live. The bonfire is probably one of the biggest you’ll ever see and there’s plenty of fairground rides. The event will take place at 6 pm, is for free and you don’t need to purchase tickets.

fairground

Wimbledon Park, London

Both adults and children will love this option. A child suitable show will be performed at 6:45 pm and an adult one at 8:45. You can also expect some incredible street food from Jacket potato to sausages and burgers. Price is £8.80 for adults, £6.60 for juniors (ages 5 to 16) and free for under 4. Book now from: Merton. 

Skinningrove Bonfire, Yorkshire

One of the most impressive fireworks displays in the country will take place in Yorkshire with a Wintergrove theme and music accompaniment. The event is free, but donations are welcome. You can also get ready for a treat of some tasty food and hot drinks. The event starts at 7 pm and the bonfire will be lit at 7:30. Please be advised that roads will be closed at 5:30 and parking is limited. For more information visit Skinningrove facebook page.

Herefordshire

Ready for a whole day of celebrations? Starting with food stalls, music, face painting and biscuit making, this bonfire celebration will transport you to a magical universe.  You can either visit Pembridge or Hay-on-Wye. The former is for free, the later will cost £4 adults and £1 children, however, free parking will be available.

Leeds Castle

You can celebrate bonfire night with a dance if you go to Leeds Castle on the 3rd and 4th of November. Shake it to songs like ‘Just Dance’ and ‘I like to move it’ as you watch the sky above you flare up. This year’s theme is party pyrotechnic, which sounds great for children as well as adults. Entertainment will be provided from celebrities such as Adam Chandler and Jonny Meah from Heart. You can arrive from 2 pm onwards and before watching the fireworks at 5.30 pm. You can enjoy the live music, fairground, maze and delicious food. Book tickets from: Leeds Castle website.

disco ball

 

Alexandra Palace, London

Ally Pally fireworks can definitely be trusted to put on a show! The London sky will be lit by zingers, spinning Catherine wheels and sky rockets. There will also be a laser show starting at 8:30 pm followed by the famous fireworks at 9 pm on the 2nd and 3rd of November.  Expect to spend around £9 per person, to buy tickets visit: Ally Pally’s Fireworks Festival website.

Himley Hall, Dudley

Head to Dudley to visit Himley Hall, and celebrate heroes and heroins from all walks of life. Bring a pocket full of OOOhhhs and AAAhhhs. An exceptional night of family fun with fireworks and fairground rides. If you book in advance you can save up to 20% (pricing varies, but expect to pay around £10 per person) . Therefore don’t wait up and get ready for street entertainment, private bar, refreshments a night market and obviously an amazing fireworks display. Starts at 4:30 pm with the bonfire being lit at 7:45 pm followed by fantastic fireworks accompanied by music. Please note that parking is £3 per vehicle, but there will be a free bus service. Book tickets now.

Dorchester Rugby Football Club

Boom! A spectacular firework night will take place on the 3rd of November with a hog roast, BBQ, bar and other forms of entertainment. Gates open at 6 pm and fireworks start at 8 pm. Prices may change on a daily basis, however, expect to spend around £4 for an adult ticket and £2 for a junior one. Buy tickets before prices go up!

fireworks

Now to finish off on a comical note…

What was Guy Fawkes’ favourite meal?

Bangers and mash

Halloween Competition Terms & Conditions

TERMS AND CONDITIONS FOR THE ‘Halloween 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 COMPETITION

  • To enter the competition, all you need to do is like the Facebook page piggybankloans and comment your answer to the competition. Or, follow the Instagram account @piggybankloans and comment the answer on the competition related post. Or follow our Twitter account @PiggyBankLoans and tweet us the answer to the competition before the deadline of 31st October 2019.
  • Entries received after 11:59 PM on 31st October 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

  • 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

  • The prize is a £100 Amazon voucher.
  • The winner can choose whether they would like the voucher posted or sent via email.
  • 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.

RULES AND PROCEDURES

  • You must reply to the competition post, answering the number pumpkins you can see.
  • 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.

SELECTING THE WINNER

  • PiggyBank will draw 1 random winner from one of the Facebook, Instagram and Twitter submissions.
  • The winner will be selected at random of the correct entries. 
  • 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 on Friday 1st November 2019 via the social media platform they entered their submission.

PRIVACY AND PUBLICITY

  • 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.

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 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.

20 Last Minute Cheap Halloween Costumes

Not got yourself sorted for Halloween yet? If you’re going to (or throwing) a costume party, you’ll need a fantastic outfit to make the hoards of spooky folk running around hideously jealous. You may also to need to dress up the kids for trick-or-treating. If you need to source a last minute costume, but don’t have time to go searching or wait for it to be delivered, there are loads of cheap ways to do it. Even if you aren’t that creative, you can still look fantastic, and fool your friends into thinking you’ve spent weeks on the idea. To help you get started, we’ve made a list of 20 easy costumes to make or buy!

Rosie the Riveter

Dressing up as a symbol for feminism will certainly make a statement. You’ll need high-waisted jeans, a denim or blue shirt and a red bandanna to tie around your head. Simple but effective.

Teenage Mutant Ninja Turtle

For this costume, you can be as creative as you like. The most basic version will require a green outfit, a brightly coloured mask (you’ll need to match it to your favourite turtle), and a green spray-painted aluminium roasting pan.

Scooby Doo Character

If you have an entirely orange wardrobe, dressing up as Velma will come naturally. If not, you just need to buy an orange polo neck, skirt and socks. And don’t forget the trademark glasses! Shaggy is even easier – you just need to get hold of a green top and brown trousers.

Frida Kahlo

You don’t need to be as artistic as Frida Kahlo to pull this costume off. If you have brightly patterned clothes, a shawl and some colourful jewellery, you just need to add some flowers in your hair and a bit of eyebrow pencil.

Domino

Who doesn’t have a black top and trousers in their wardrobe? Just add white spots and a white line over your hips, and you have become a domino.

View this post on Instagram

DOMINOS @alexiaclaire_9 #dominocostume #masterofdisguise

A post shared by DIY costumes (@turtleyenoughfortheturtleclub) on

Minnie Mouse

You can either make or buy the iconic ears and bow, and then you’ll only need a black top and tights and a red skirt. If possible, add a few spots to the skirt, and you’re ready to impress every Mickey you meet!

Ghost

It’s a classic for a reason. Perhaps the easiest Halloween costume, all you need is a bed sheet and a pair of scissors. If you’re feeling adventurous, you can even add some make-up to the sheet, or perhaps use a green bed sheet to become a zombie ghost.

Viking

There are so many directions to take this costume, depending on how extravagant you are looking to be! You can make or buy a helmet, and if you can find some brown carpet or faux fur, you can add embellishments.

Vampire Bat

This is a really effective costume that is so simple. Just dress in black from head to toe, and then cut up a black umbrella for wings. Paint on some fangs for a scarier look.

Bunch of Grapes

For this costume, you’ll only need a load of purple balloons and some way of sticking them to yourself. You can also add leaves to complete the look. It’s also the perfect excuse to drink only wine all night!

Hobbit

This costume is perfect for both adults and kids – they’ll look precious. You just need to track down brown trousers (and cut off the ends), a waistcoat if possible, a white shirt and a green cloak. Just don’t leave the one ring at home, in case the forces of Sauron are on the hunt for it.

https://www.instagram.com/p/BYqFDvZnSWk/?utm_source=ig_web_button_share_sheet

Audrey Hepburn

Few women don’t have a black dress in their wardrobe. To dress as Audrey Hepburn’s iconic character in Breakfast at Tiffany’s, simply add black gloves, a pearl necklace and a cigarette holder.

Skeleton

There are a lot of costumes that require a black outfit, and this is yet another. The only thing you need to finish this look is add face paint.

Crazy Cat Lady

This is a particularly good costume for children, as they’ll probably already have toy cats standing by. Just add a dressing gown and maybe some rollers in their hair, and you’re done!

Pineapple

A yellow dress is the main component to this costume. You then only need to sort out the spiky green bit for your head. You can use a headband and felt or paper, or even cut off the top of a pineapple and find a way to make it stay…

View this post on Instagram

We is pineapples! 🍍

A post shared by JAC ☀️ (@itsjacquelinebrown) on

Mime

Ideally, you’ll already own a black and white striped t-shirt for this costume, but you can also get away with wearing all black. White gloves would look great, but they’re not necessary. The most important thing is the white face-paint and black diamonds over your eyes.

https://www.instagram.com/p/Baz7Pfdgm_5/?utm_source=ig_web_button_share_sheet

Instagram Photo

For this costume, you need cardboard, and access to a printer. Just make a frame from the cardboard big enough for your face to fit inside, and add a printed Instagram frame.

Mary Poppins

Do you own a black umbrella and a white shirt? If so, you’re practically there! Add a black skirt, a red bowtie and the black hat with a few flowers. Practically perfect in every way!

View this post on Instagram

Mary Poppins in Paris ❤ Adorable dress: @loverdovers

A post shared by Juliane Berry (@julianeberry) on

Lego

This is a slightly more creative costume, though not difficult. You will need a cardboard box, and some round tupperware or paper bowls. Then just choose the colour of your lego, and paint the whole thing. You’ll be the coolest kid on the block.

Greek God or Goddess

If you have a white dress or bed sheet, this is one of the simplest costumes to put together. Just add some gold jewellery, and a gold rope or ribbon for a belt, and you can encourage people to worship you all night.

Your Guide To The Best Halloween Movies And TV Shows On Netflix

Halloween is just around the corner, so now’s the time to start scaring yourself silly with some of the best horror movies out there. Thankfully the days of having to venture out into the cold to rent movies are over – Netflix has filled that void, allowing you to find the best movies and shows from the comfort of your own sofa!

Here’s the best Halloween shows and movies available on Netflix, ideal for giving yourself a scare or having on in the background of your Halloween party:

Warning: there may be spoilers! Continue reading “Your Guide To The Best Halloween Movies And TV Shows On Netflix”

How to Beat the Energy Bills This Year!

As we start the long cold journey into winter, it may be time to start thinking about cutting costs when it comes to your energy bills. Costs seem to be on the rise constantly, and your heating bill is certainly going to go up in the next few months. It’s not the most exciting thing to do, but you may be able to save yourself a few hundred pounds! That could go a long way in making your Christmas extra special. Here are a few ways you can reduce the cost of your energy bills:

energy

How Much Are Your Bills Currently?

The first step is to figure out how much energy you’re using at the moment. You’ll find it difficult to get better deals if you don’t have a starting point. You’ll also need to know the names of the companies you use, and the tariff you’re on.

Use Comparison Sites To Save

There are plenty of comparison sites like MoneySuperMarket, CompareTheMarket and SimplySwitch that can help you find the best deal. Each one will quote a different amount you could save per year, but on average it seems to be around £350.

MoneySavingExpert also runs the Cheap Energy Club, which is a free service that has 3.5 million members. It will help you find the best deal for your energy by letting you know when is the best time to switch, plus you can earn up to £25 cashback!

You may have also heard of ‘Look After My Bills’, which was featured on Dragons’ Den. This free service promises to take care of everything. They’ll automatically switch you to the best tariff, so you don’t need to compare anything yourself or do the swapping.

Getting a Smart Meter Can Help!

Smart meters and smart heating are becoming increasingly popular. Apparently by 2020, every home in the UK will be offered a smart meter. They give far more accurate readings, so you only pay for what you use, not an estimation. You can even see what appliances are costing the most, so you can try to cut back. Though probably not your fridge. Or freezer.

Eco Is The Way To Go

You can cut back on costs by switching to eco-friendly light bulbs, or even putting on fewer loads of washing. Leaving your electronic devices on standby can also cost you lots of money every year— turning the switches off at the wall could save you £100s each year.

Boiling over

Replacing your boiler could save you hundreds each year. Boilers can take up over half of your energy bills, so having a cost-efficient one can be crucial when reducing costs. If your boiler is much older, it may be a good idea to shop around for a better one.

Wrap up warm

It may sound obvious, but a great way to reduce your energy bills is to not put the heating on if you don’t need to. Keep insulated – wrap up in layers if you can, or track down your hot water bottle.

It’s also important to make sure your home is well insulated. Thicker curtains can stop heat escaping through the windows, and you can make sure your walls are well insulated too. Loft insulation can also stop a lot of heat escaping through the roof, and will last for at least 40 years.

Check out our hacks for staying warm this winter!

Direct Debit

Setting up a Direct Debit with certain suppliers can help cut costs. Some companies will offer the best deals if you set up a Direct Debit rather than wait for the bill to arrive. You just need to check to see if this is the case, as paying for some things, like home insurance, by Direct Debit can end up costing you extra.

Check it out

You can get a free personalised report about how you could save money in your bills. Through the Energy Saving Trust, you can get fantastic advice about how you can save in the long run, and it will take about 10 minutes. There really is no downside.

You can also check on the government website whether you’re eligible for any grants. Even if you’re not, they can offer more advice on how to improve your energy efficiency.

A Simple Guide To Reducing Everyday Expenses

With the rising costs of gas, electricity, fuel and food it’s no surprise many people in the UK are struggling to make ends meet. Regardless of whatever you’re earning, and even if you’ve got into the habit of saving, an unexpected expense can disrupt your budget.

As a result of this, more and more people are looking toward no credit check loans to help keep their heads above water. As PiggyBank is a responsible payday loan direct lender, we don’t believe no credit check loans are the right option. In fact, there are other simple and effective ways to get your everyday spending under control and prepare for unexpected financial emergencies.

Write down all of your expenses

office

Before anything else, write down all your expenses for an average day. How many times have you handed over £1 and thought, “Oh, it’s only £1,” and then repeated this same process every day for several months? Our tip is to be mindful of where you plan on spending your pennies and write down everything you spend for a whole month – you’re then able to see where you can cut costs in the future.

Drive less, walk or bike more

bike

Not everyone can cut out driving completely, but it’s good to make reasonable compromises. If your commute to work isn’t too far away, consider biking or walking – not only will you spend less on fuel but you will get more exercise too and feel much healthier.

For a longer commute, you could consider an e-bike. These have an electric motor and battery to boost you along when cycling and making those long rides a doddle even for the non-cyclist.

For those of you who still need to use your car frequently, from now until 14th October, Halfords Autocentre will pay for your MOT if you purchase anything other than a 5p carrier bag. A great little save on motoring running costs for the year.

Take your own lunch to work

A simple yet highly effective point. It may take up a few extra minutes of your evening to make your lunch for the next day, but wouldn’t you prefer to have extra money in your pocket at the end of each month instead? Buying yourself a ‘£3 meal deal’ or something similar every day from the supermarket could be costing you nearly £60 a month, a total of £720 a year. Imagine what you could spend that money on if you took your own lunch to work?

Shop smarter

supermarket

Try cutting back on your food shopping and use up what you have before purchasing anything else. When you need to make a trip to the supermarket avoid going when you’re hungry as this will result in you buying things for the sake of it. Find alternatives to those expensive brands you buy and opt for own brand items for a cheaper bill at the end.

Pay for things with cash

You should only allow yourself a certain amount of money each week to spend. Unless you’re constantly checking your finances on a daily basis, there’s no way you can keep up to date with when you’re actually spending if you keep paying for things with your credit card.

This Is How Much Money You Can Save By Going Vegetarian!

There’s a lot of hype around cutting ties with our carnivorous lifestyles: whether that’s for environmental causes, ethical causes, or simply jumping on the ‘I’m vegan’ bandwagon. Either way, there is a reason why there are now over 12.5 million vegetarians and vegans in the UK. It’s simple really — going vegetarian is cheaper, and arguably healthier, than eating meat. Here’s why!

Do Vegetarians Spend Less Money?

A study published in the Journal of Hunger & Environmental Nutrition researched whether eating a plant-based diet is cheaper. Based on 7 day recommended meal plan, both the vegetarian and the meaty meal plan provided 2000 calories per day and were based on the cheapest available prices of the ingredients.

The finding was that the vegetarian diet had 25 more servings of vegetables and eight more servings of fruit every week, which is hardly surprising. However, the key finding was that shopping for strictly vegetarian food cost around £550 less per year!

You may think that with a vegetarian diet that we’d surely be missing out on certain nutritional needs such as a lack of protein. But the study also found that a plant-based diet had 60% more protein in it on a daily basis.

Another study has also shown that ‘true’ vegetarians spend less money on food than those who eat meat. However, the study also found that those who claim to be vegetarian but admit to secretly eat a bit of meat on the side actually spend more than acknowledged meat eaters.

In other words, pretending to be vegetarian won’t do you any favours!

Shopping For Vegetarian Food

It’s a bit of a no-brainer really, don’t buy anything that’s got meat or fish in it. We’ve used a budget food shopping list and worked what you’re likely to be spending on meat and fish every week. On this shop, which now costs £41.78, 38% of the cost goes to buying the meat products.

Replacing these ingredients with vegetables will undoubtedly bring the cost of the food shop down.

Below is an alternative shopping list to the budget shopping list, which comes in at £32.93 from Asda.  Instead of the meat, you can buy cheaper and often just as tasty veggie alternatives! This will reduce the cost of your weekly food shop dramatically by nearly a tenner.

For fresher and cheaper fruit and veg, check what’s in season here!

Still not convinced? Over the year, this reduced food shop will save you over £450! Think of the other more exciting things you could be doing with this extra cash.

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