Wednesday, 20 January 2021

How To Take Your Driving Experience To The Next Level*

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As the new year fast gains momentum, you may want to make resolutions that will allow you to improve your life in many ways. Enhancing your experience behind the wheel is a good thing, especially if you are an avid road traveller. By mastering the following tips and tricks on car ownership and driving, you could be well on your way to living a much happier and safer life in 2021. 


  1. Improve your car's performance

Making modifications to your existing vehicle is one way to improve its performance and boost your driving comfort. For example, consider fitting performance wheels and tires on your car. These can give you a firm grip and traction on the road as you cruise around. Those who regularly drive through snowy and wet conditions may also want to look at the best winter tires. While many car conscious drivers can't do without alloy wheels, carbon fibre wheels are becoming popular as well. These are durable, light and offer a smoother ride. Also, if you think your old car cannot cater to your needs in the new year, be ready to invest in high-performance vehicles such as BMW models, at a local BMW Garage - if you’re truly after a supercar.


  1. Steer clear of your motoring back pain

Your driving experience in the new year will no longer be fun if you suffer from back pain. According to the British Chiropractic Association, more than 40% of all drivers experience motoring back pain. Two main factors account for the rising cases of drivers suffering back pain at the wheel — bad posture and extended periods of driving. Besides stress, chronic back pain is another health problem that frequently forces drivers to take time off the wheel. Therefore, maintain the right driving posture and steer clear of back pain.


  1. Switch up your car's transmission

Another extraordinary way to improve your driving experience is to shake things up in your vehicle. Tweak your car's main mechanical systems starting with the engine and transmission systems. Switching from manual to automatic transmission or vice versa, depending on your driving strengths and needs, can improve your driving experience. When you opt for an automatic transmission, that could allow you to enjoy your car's features to the fullest. Car owners on manual transmission can consider adding "short throw shifter options". The bottom line is that tweaking your car's mechanics and installing extra features can improve your car's handling and driving comfort. 


  1. Reduce your stress

There is no doubt that stress is an enemy to a fulfilling ride. And sadly, an astronomical number of drivers fall victims to road rage once a while. According to Brake, a road-safety organisation, almost three-quarters of drivers lose their focus when engaging in road rage with other road users. If you are stuck in heavy traffic, it pays to keep your cool. Engage all your senses and avoid reckless driving habits such as speeding and texting while driving. 


These are just a few secrets of boosting your driving skills in the new year.



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Wednesday, 6 January 2021

My 2021 Savings Challenges!


It's a few days into 2021, but HAPPY NEW YEAR, to you all! At the start of 2020 I made the decision to start doing cash envelopes and budgeting, to try and rein in my spending and try and save up a good emergency fund, as well as savings for Florida, car maintenance, medication, and other categories. 

Well....

Last year was a year from hell for a lot of us, and I had to shield for 3 months on NHS recommendation due to my asthma, so I was locked up indoors from the end of March, to the middle of June. I could only buy necessities online as I couldn't go out. So food shopping , toiletries, 'fun' money all had to be put into a new bank account, and a new budgeting system emerged for me. I still have some things in cash only, but 80% of my budget is now all digital and done via my online banking app! 


I also dipped into my savings a lot during that 3 months, and then I reined it in a little - only to want a Cricut Joy and all it's accessories, which meant the savings dipped againBUT, I still saved just shy of £500 from my original goal, so not all was lost. But this year, 2021, I wanted to try something different and try and go nutso with my savings. 

So this year, I'm even budgeting my left over number after my main budget is done. Whatever is left is going to be allocated via some fun savings challenges, and other forms of income now have a designed category to fill when I receive them. If you want to check out my budgeting through the year, I have a video once a month on my YouTube channel, so you can join me and see how my savings is going!

So without further ado, here are my 2021 Savings Challenges!


Depop, Blogging, OnePoll

I sell unwanted items on my Depop shop, and last year I managed to sell just over 35 items, but I spent all that income. So this year, any money made from this shop of mine, will be added into my savings. If I make £10.49 from a sale, the £10 goes into my holiday fund, and the 0.49p goes into the extra savings account!
Slightly like above, the same thing is going to happen with my blog and OnePoll income. I usually get round numbers like £10, £15, £25 from both of these streams of extra income, so all of that will be going into my general savings. Sometimes, it can be £6.26, and just like above, any pennies from the amounts will get put into the extra account. 


Sunday Savings - Dice Roll

Each Sunday, I will be getting my sister to roll and dice and pick out a category out of a bag, ranging from some of my cash envelopes, savings, or a category of her choice, and the dice roll will be doubled and added into whatever category is selected. If she rolls a 4, that becomes £8 for whatever of the below categories she pulls out!
  • Holiday
  • General
  • Gifts
  • Dad's Christmas Present
  • Miscellaneous
  • Dinner Out
  • Outings
  • Car (insurance, tax, etc)
  • Christmas
  • Fun
  • Clothing
  • Sister's Florida Fund
There is even a slip in the bag that is listed as her choice, so she can either pull another category, or just choose one. Last week, she rolled a 6, it was her choice, and she chose holiday. So £12 was put into my Florida holiday fund.

I will be allocating £48 a month for this, as I get paid every 4 weeks, so 4x6 is 24, and the dice roll is doubled, so I'll need £48 to cover it if a 6 is rolled each week! Any money left over from the £48 is left as a buffer and then will be used for Save-opoly!

Save-opoly

Now this a relatively new concept to me, but it looked hella fun, so I found a few ideas online, but none quite worked for me. So I found an image on Google, and used photoshop to edit it to how I would like it. It's basically a Monopoly board, that you tweak to fit your savings, and you can use it as often as you want. I'll be using this on the Thursday before each payday, to save away any leftover money from the dice roll, and anything left over in my buffer and fun amount that was not spent or allocated elsewhere.

If I have £23 left over at the end of the month, I'll keep rolling until I cannot add another spaces amount to any savings. This amount will be sent into either my general savings, holiday, or gifts, depending on which one I want to fill quicker. Say from that £23 I have 2.50 left that I cannot roll with on the board, that will get put into the extra savings account. 



£5 Notes | £2 Coins | 20p & 10p Coins | 2p & 1p Coins 

This is a pretty straight forward set of challenges here. Anytime I come across a £5 note, or have £5 left from my food or work food envelopes, that will be put in a little money safe that I cannot touch. Hopefully this will add up to a nice sum over the next 12 months.

Same thing for the coins idea. Anytime a £2 coin is given to me, that goes straight into a money can. These are quite rare to come across lately, but I can hope to find a few now and again. 

With the 20p and 10p coins, I'll be sorting these out each Sunday evening. If I have 5 20p coins, and 4 10p coins, the 20ps get put into my money jar that week. And if the amounts are changed around , the 10p coins will get put away. This way I still have some change on me if I need it, but little amounts will get saved. 2p and 1p coins will be put into a piggy bank on my desk each time they appear in my purse so I can save those up too.

Once the jar with the 20p and 10p, and the 2p and 1p coins are filled, they will be emptied out, and paid into my bank account for the extra savings!


The extra savings account is new this year, and is going to be a very small pot, and I doubt will make more than £100 this year from the ways I'll use it above - but any little savings helps! At the end of the year, that extra savings account will be transferred into a category of my choice to help kick of 2022!

I have hope for this year's savings, and I am going to have to really try and be wise with my spending each month - so will see what happens!

Are you doing anything with your savings this year, or like any of the above ideas? Let me know! Hope you have a great day and keep safe :)

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Wednesday, 30 December 2020

Some Of The Best Windows Apps To Download*

https://www.pexels.com/photo/person-holding-space-gray-iphone-x-1440722/ 


As most people probably know, traditionally Windows does not boast a range of apps that would have rivalled other stores. Nevertheless, with the new Windows versions, there are finally some killer apps to be found. Gone are the days when the Windows Store was paling in comparison to the iTunes App Store!


So, now let’s get to the fun part; what are the top killer apps for Windows? 


5) Quick Note


Putting together shopping lists and taking notes for exams has never been easier! ‘Quick Note’ may not be the most glamorous and exciting app one will come across but it is certainly something which will get a lot of usage out of it. This basic app does exactly what its name indicates, and it will certainly come in useful for anybody. You can use it for a whole host of things, such as tracking your profit and loss from VIP casinos, putting together a cleaning schedule, and much more!


4) Cut the Rope


This app is perfect for any individual who is looking for a game which will provide them with endless hours of addictive fun. So how does ‘Cut the Rope’ actually work? Basically, there is a hungry frog at the bottom of the screen who wants some candy. However, the candy the frog desires is attached to a rope or several ropes. The person playing the game has to cut the ropes in such a manner that the candy lands in the frog’s mouth. Obviously, this becomes a lot harder as the individual progresses to the next level. 


3) Slacker Radio


There are only two words which need to be said in order to win people over with this app: free music! Basically, ‘Slacker Radio’ is an app which boasts a whole host of radio stations which are just waiting to be listened to.


2) YouCam


‘YouCam’ is the ultimate photo and video editing app. In order to utilize this application, a webcam and a microphone are required (these are usually inbuilt in all computers nowadays anyway). With ‘YouCam’ individuals can shoot videos and take pictures and then edit them with a whole host of features, such as; lighting effects and noise reduction. Once the video or image is edited to suit the individual in question it can then be uploaded to a whole host of mediums such as YouTube and Facebook. Who knows, ‘YouCam’ could pave the way for the next YouTube sensation! 


1) Fitball


It may not be as useful as ‘Quick Note’, but quite frankly; who cares? So what exactly is ‘Fitball’? Basically, it is an app which relates to health and fitness (as if the name of it didn’t give that away). What it involves is the person in question hitting balls (not too hard, nobody wants a cracked screen!) that appear on your screen. Why’s this so great? Well, you can see your reflection in the computer screen which will show which parts of your body are getting hotter. Keeping fit has never been such fun! 



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Saturday, 19 December 2020

Keep Yourself Occupied While You're Isolating*


Image from Pexels - CC0 License


Have you been told that you need to isolate? Maybe you're waiting for the results of a test for COVID-19 or someone in your household has tested positive, so now you're stuck at home for a while. Or perhaps you've been sheltering at home as much as possible to shield your health. If you have to isolate or you're just preparing for a future time when you might have to, the fear of getting bored is definitely something that you might be facing. Catching up on your Netflix list might be a good start, but what do you do once you've run out of things to watch? Try these ideas to stay occupied.


Play Some Games


If you don't have all of your real-life obligations to occupy you, playing some fun games is a great way to entertain yourself and relax. It's something you might deny yourself usually because it feels like you should be doing other things. But now you have plenty of time to have some fun, there are all kinds of games you can play. Whether you check out the free spins no deposit 2021 casino games to try and win some money or get yourself a brand new PlayStation5, you can find games that you enjoy. Maybe there's a game you used to love that you want to pick up again.


Image from Pexels - CC0 License


Start a New Hobby


Having to isolate could be the perfect opportunity to begin a new hobby. And once you're free to move around again, you can keep it going and do it in your spare time. Maybe you have some supplies for a hobby you wanted to start but never got around to doing. Or you could order some things to your home if you need any materials or equipment to get started. On the other hand, maybe there's a hobby you can pick up right away, like writing.


Stay in Touch with Others


Being stuck at home can feel lonely, especially if you're having to isolate on your own. Fortunately, modern technology makes it easier to keep in touch with friends and family, and even to make some new friends during your time in isolation. You can stay in touch with people you know through social media, phone calls, video calls, text messaging, and more. And if you're looking to connect with new people, there are plenty of ways to do that too, from forums to Facebook groups.


Image from Pexels - CC0 License


Do Things Around the House


It might not be the most exciting thing, but not being able to go out means you don't have much excuse for not getting things done at home. All of those jobs you've been putting off, from fixing that scratch in the radiator paint to replacing that weird light bulb that you're not quite sure how to remove, could be tackled while you're at home. It's a good idea to make your home look and feel better if you're going to be seeing more of it.


Being stuck at home might not be fun, but there are things you can do to occupy yourself and stay entertained.


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Friday, 18 December 2020

Christmas Bucket List


It's coming up to Christmas quite quickly now, and aside from working my lil butt off at the supermarket deli counter - where I live 99% of my life - I wanted to try and do other things when I was free of my shifts. I've had a few ideas, and found more online, plus have seen a few events about the place that I'd like to go to. Here is a bucket list of things I'd like to do, as well as other that I hope you would like too!

This year is a little different for everyone, due the ongoing pandemic, but I hope that these are things I can do in the new few days before the big day itself!

  1. Send out Christmas cards
  2. Decorate house/bedroom
  3. Make festive cookies
  4. Make a Christmas song playlist
  5. Watch Love Actually, or any other Christmas movie!
  6. Make a festive craft, like paper snowflakes
  7. Wander around an area with lots of Christmas lights on houses
  8. Decorate a gingerbread house
  9. Donate to charities
  10. Snuggle up in bed with a Christmas book

What will you be getting up to over the next week, leading up to the big day? Let me know! Hope you have a great day and keep safe :)

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Thursday, 17 December 2020

December Wishlist


With Christmas coming in a few days time, I'm not really after anything in particular this month, as I know I have a few goodies coming! That said, here are some little bits and pieces that I've had my eye on the past few weeks - maybe as a late present to myself, or a 2021 treat come January's payday!


What things would you like at the last minute as a Christmas present? Let me know! Hope you have a great day and keep safe :) 

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