Best Geek Subscription Boxes UK

We have enlisted some of the best Geek subscription boxes that are delivering across the UK and to ease your selection, we have described how they differentiate from each other and what products they are offering.

1. LootCrate

It is considered as one of the founders of the Geek subscription boxes. Based on the love of big geek events such as Pax and ComicCon, some gamers and geek lovers came up with and idea of organising their first crate of geek loots in 2012. Now it has over 600,000 active subscribers also called Looters It .If we talk about prices and the items included, its price is £24 which includes free shipping within the UK which is quite reasonable because if we are to buy these items from the market it can cost approx. £40 or more. Also they have relationships with geek focused brands so they can get you limited edition items that are not easily available on the high street


.2.Super Loot

It’s a UK based Geek subscription box service which you can get in £22.70 including UK shipping. It’s ranked on #2 because it’s been taken over by new owners and they have worked hard to improve the quality of items and have got a positive response and positive reviews from the subscribers.Not only the quality of the included products is improved but also they have added Super Loot Candy Box and a Comic Book Box worth £19.99. They also update their blogs and are always active on Social media to interact with the subscribers and also they have made their website very much user friendly.


3.My Geek Box

If you’re into something a little bit cheaper but don’t want to compromise on the quality of the merchandise, you should definitely go for My Geek Box which features  6-8 items including a t-shirt and a fine collection of geeky items. They are available to subscribers at a price tag of £17.99 and have upgraded their items and they now supply high quality and exclusives to the subscribers.


4. ZBox by Zavvi

A high quality yet low priced geek box name ZBox offered by a famous entertainment network Zavvi which was previously known as Virgin Megastores includes  genuine DC, Marvel, Star Wars goodness because of their relationships with the licensed. Also they guarantee to deliver over £35 worth of merchandise in just £19.99 including free delivery all over the UK. You can also get a little more discount if you subscribe for a long term. Also each month customers are automatically entered into winning a Mega ZBox worth over £1000. These boxes have great artwork on them. Their past themes were  Time Travel, Heroes & Villains, Ghost & Ghouls full of genuine Ghostbuster goodies.


5. Pop in a Box

Are you a serious addict to pop characters? If you are, then you should go for the Pop in a Box subscription which delivers a vinyl pop character each month and guarantee not to repeat the ones you have in your collection because they have an Online Pop tracker profile service which allows you to keep tracks of your collection as well as to share it with other collectors if you want. It’s price varies depending on the number of Pop characters you want. For 1 Pop character, the price is £8.49 plus £3.50 delivery charges. 2  Pops for £16.88, 3  Pops for £25.17, right upto maximum of 12 Pops for £99. Price is also the same as market prices but Pop in a Box has access to rare and exclusive characters which are hard to find on high street, also saving the leg work and getting your favourite film or comic character at your doorsteps.


US Based Geek Boxes


The following is the list of some US based Geek Box subscription services that deliver to the UK. Their price is higher than UK based subscriptions simply because of the shipping charges but they are worth spending money because the items included are rare and hard to find in the UK.


6.Nerd Block


One of the most famous US based subscription boxes that are shipped in the UK is Nerd Block. You can get it delivered to you in the UK at your door in just £23 approx.(£13.40 plus £9 shipping).

You can choose to customise the theme of your box the way you like it. Also you can choose between Classic, Arcade, Sci-Fi, Horror, Comic, Boys or Girls Jr themes. In addition to all this, you will get a T-Shirt and 6-8 geeky items. You will get more collectibles than one-off items because they focus on “Build Your Collections”.



One of the most expensive premium boxes( £40 including delivery to UK charges) available in UK markets is BamBox mainly focused on autographs, limited edition and collectible items for serious addicts. It’s getting great reviews from the geek obsessed across the UK. Their experts collect the best of the geeky art, autographs, comics and collectibles and pull together a box in a presentable way and add a booklet on each item’s info and ship them to you all the way to the UK.


8.Geek Fuel

At a price tag of as low as £19.20(delivery charges excluded)), Geek Fuel is offering a T-Shirt, Steam Game Download Codes, Limited Edition Comic Books, geek themed mugs, sweets and collectable figures in their subscription boxes which is quite reasonable because if we calculate the market value of the merchandise, it can cost upto £50 which you get in this US based subscription box. Also you can get an additional discount of £2 on 6 month pay upfront subscription and a mystery item each month.


9.Hero Box from SuperHeroStuff


This Hero Box is more of a one-off purchase box than subscription. Based on the theme of the Super Hero of your choice, this box is best for one-off geek items as every item included will be related to the Super Hero which you choose for yourself. It is £39 including shipping to the UK. The price is not as good as the UK based Geek Boxes but the quality of the merchandise is great and they also promise not to send any items that are not related to your SuperHero theme. The Super Heroes currently available are Superman, Batman, Captain America, Spider-Man, Star Wars, Flash and for the girls there’s Wonder Woman and Green Lantern. In addition to all these, smany other random themes are introduced throughout the year.

What Did You Know About Inheritance Tax?

Inheritance tax is levied on a certain amount of property left to you by a relative. However, there are some ways to reduce the amount you have to pay. Manimakpi gives you what you need to know about the lineage line.

What Does Inheritance Tax Means?

Inheritance tax is paid on their total value when a person dies. It is also sometimes paid for by charities and gifts made during that person’s lifetime. However, you only pay a certain amount if the total estate value exceeds the inheritance tax limit. You only pay the full amount (not the full estate) beyond the prescribed limit.

Tax is not paid by you: Your estate (or part of it) is paid by the heir after you die. It’s not about how much inheritance each person has – so you can’t avoid IHT by leaving your garden to too many people. They all still have to pay IHT for their share.

How Much Inheritance Tax You Need To Pay?

Don’t panic at first – not everyone has to pay hereditary tax. This only applies if the current inheritance tax limit (5,000 325,000) includes assets and combined wealth. Any wealth you hold in excess of this allowable amount is taxed at 40% on death, the main exception being gifts given to your spouse or civil

Since October 2007, married couples and registered civil partners can effectively increase the gateway to their estate when a second partner dies – up to $ 650,000.

As of April 2017, an additional 5,000 175,000 will be added to the value of your primary home if you send it to direct descendants. So, the value of your entire estate is 50,000 to 450,000, but that includes your house worth $ 200,000 which will be inherited by your child, no IHT to pay.

At What Time You Have To Pay Inheritance Tax?

In most cases, you must pay inheritance tax within six months of the deceased’s death. Be careful as even if there is a delay in payment, interest will be charged on any tax not paid by the due date.

Do not worry if the majority of the tax will be paid by the value of the garden as a house, because HMRC has kindly created a system that can pay annual installments over 10 years. Fortunately, there are ways to reduce your potential liability (i.e., the enormous taxes your children have to pay).

Ways To Reduce Inheritance Tax

The only way to reduce the tax rate is to donate at least 10% of your garden to charity of your choice. This reduces the IHT rate from 40% to 36% over the entire estate – hence, in large gardens, this is worth considering.

You can reduce the amount of IHT paid by your beneficiaries by lowering your garden before you die. The first way to do this is with financial rewards. You can give family members up to 3,000 a year (if you didn’t give them anything in the previous tax year, 000 6,000), and you can give friends as much as $ 250 each year as you wish. You are also allowed to give children £ 5,000 (or grandchildren, 500 2,500) gifts for ‘life events’ such as marriage, university, or buying a house. You can do this for as few as 1,000 friends.

If you get married, you can each give up to 000,000 family members a year, for a total of 000 6,000 (or 000 12,000 if you roll out last year’s allowance). However, these payments cannot come from a consolidated account – you have to pay 3,000 each from your personal account. Otherwise, the HMRC may say that the couple’s primary taxpayer is the sole gift giver – the second falls under the ஐ 3,000 IHD rules.

Keep in mind that you can also pay for your grandchildren’s junior ISA or pension – and you can also contribute to your child’s pension.

Giving money is a great way to cut down on your garden – but it’s also great if you want to see your loved ones enjoy their heritage while you’ve been here!

Possible exchanges:

You can give more than the limits given above. However, these are called potential exemption transfers (PET). This means that if you die within seven years of giving the money, the recipient must pay IHT for it. After seven years, it is no longer the responsibility of the IHT to tax them.

The amount paid will be deducted depending on how quickly you delivered the gift of the deceased. So, for the first three years, IHD is 40%. It decreases in 8% steps (hence 32%, 24%, 16%, etc.) annually until 7 years are completed.

If you do not know if you would like to donate a large sum of money if your loved one has to pay IHT somehow, look at it another way. While they may have to wait to receive the gift when you die, they will definitely have to pay IHT (if your estate is above the IHT threshold). If you give it to them now, if you live for more than seven years, they do not have to pay any IHT – so they have to keep all the amount (whether then losing up to 40% to the tax man).

Beat The Taxman In a Legal Way

There are a number of ways by which you avoid paying inheritance taxes.

Create an option!

Do it… Go on, you know what you want… Well, well, you really are not. But if you do not do that, no matter what age you are, the bulk of the money you have will go to the government in some form. If you die of a hernia (involuntarily), you have no control over who gets your money. So, if your only family is the aunt you lost for a long time, you will never talk, but if you want to leave it all to your best friend, make a choice!

For more information on how to go about it and how to make your own choice, if you want to go that route, read our easy guide to getting the option written here.

Transactions to your partner:

Property transfers between spouses and civil partners are exempt from IHT. Whatever your partner receives from you is tax deductible. This does not count only if you are a co-resident: they must be a registered civil partner or spouse.

What can you do before you die?

Why wait to leave financial aid to your loved ones until you die? Now giving them money means you have to have fun with them! They can spend your money in other ways – such as taking your family on vacation for the rest of their lives, creating memories they will always have. This way, you all benefit, and the tax man will not seize the money you have already earned (on-the-earned-on-the-tax-you-earned).

Leave the money to your liking:

If you have a surplus on your estate, leave it to a heritage favorite charity or two of your choice. For more information on how to do this, go to remember a charity. Leaving anything to charity can also reduce the inheritance tax by 36%.

Investing in AIM stocks:

100% IHD relief is available if the shares listed on the alternative investment market are held in stock for more than two years. AIM is the place where most small companies first list the shares before they are transferred when they are further established on the FTSE stock market.

AIM companies are unspecified, meaning they receive 100% IHT relief. Some are not mentioned – especially for investment firms and those who invest in property for rental yield. Make sure you are investing in the right stocks by talking to an independent financial advisor first. Go to the Chartered Taxation Institute (CIT) for impartial and tax advisors for local financial advisers.

Set a trust:

It is a written arrangement in which the appointed trustee is given money or assets to keep or manage on behalf of the person you wish to benefit from. When you make sure that someone you trust (hence the name) oversees them, they are sometimes complicated by the way they give money, property or shares to others.

The most common setting is this: When you pay to a trust you pay 20% IHT assets above your 5,000 325,000 limit. Every 10 years, the value of the trust is reassessed and you pay 6% tax. Finally, when you die and the assets are taken out of the trust, a further 6% will be paid. So, if you put the property into a trust and live for 12 years and your trustees inherit it, it is taxed at 32% instead of 40% of the total.

Trusts are useful in situations such as remarriage because your spouse may continue to benefit from the income from the property (such as rental property) without being able to sell the property from them. If you want to leave your children in a protected lineage from your first marriage, this is one way to do so. Or, you can set up a trust where trustees determine how assets and money are divided. So, if you turn your children into trustees and grandchildren into beneficiaries of the trust, your children will determine how the money is divided.

With a formal trust (or ‘solution’) you can create a trust while you are alive or create something of your choice (a ‘trust’). You will need advice on this, so get to know the local experts of the Society of Trust & Estate Practitioners (STEP).

Ask Your Questions On The Message Board

Remember to always seek professional advice on your preferences and inheritance arrangements, especially if you have a lot of assets or other assets. However, you can always ask about your hereditary queries on our Magpie message board! The MacBook team, testing experts and other MacBees will help by sharing their experiences and ideas.


Best Tips for Self-employed to Manage Cash Flow

Flow of cash is actually very tricky at the best times for the self-employed. In these times contractors and fTo support your income during the coronavirus crisis and without a limited self-employment income support plan, cash flow management is more necessary than ever.


You need to find out the ways by which you can improve your cash flow even when things are tight – and find ways to get your money back freelancers are feeling much pinch which they never ever felt before.

Try to Sell Outstanding Invoices

Over 60% of invoices are basically paid each year. While businesses that understand this are struggling and having tough time right now, it is very important for clients to know that you are also a business!

If you have a good relationship with your client, then find out if there is a reason for the delay. For those people who are currently struggling, offer to invoice small refunds (but with extra interest) if you can afford it. It helps to maintain a good relationship for the future.

But, if your late payment reminders fall on deaf ears, you can always sell your invoices! Companies will buy your invoice for a lower fee (usually 10%). Then, they like to chase the payment they get instead of you. Recovery you can also increase the invoice amount to cover the recovery costs (so you actually lose nothing).

Selling invoices is a great and best way to increase instant cash flow. If you want to have a consistent and firm relationship with your client, then third party involvement will create some sort of tension from your current situation.

Always Work out Your Taxes

Freelancers and contractors are all afraid or feared of tax time. This is even worse with payments in the account – paying ahead of next year’s potential tax bill.

We squirrel a portion of each invoice paid, but you can keep more away than you need.

Make your tax return now – without having to wait until January. You know how much you have to pay for HMRC. Anything beyond this level can be reinvested into your business to reduce any cash flow left in your savings account.

Try to Defer Tax Payments

If you already know about how much to pay to HMRC, but you need to use those savings for immediate business bills, then try to defer your tax payments.

Payments can be made in the account from July 2020 to January 2021 without deferment and without interest. The same thing happens with your VAT payments. You still have to make a VAT return – but not until March 2021.

This can help give you some breathing space if you have supplier invoices or business rent as an urgent need. Remember, however, that if you are spending what you have saved for taxes, by January 2021 you will have to save the same amount again. If you cannot guarantee that it will happen, it is better to avoid procrastination (or above all, use only some of your tax savings).

Keep An Eye on Your Pension Relief

If you have been a very high-rate taxpayer for the recent past four years, then you may be eligible for a pension tax deduction. Find out if you are getting a pension tax relief – if you do not, HMRC owes you a good amount that will increase your cash flow!

Claim Your Marriage Allowance

The great news for married couples is that they can transfer 2 1,250 of one spouse’s personal allowance to another spouse. If anyone of you earns less than the annual personal allowance, 500 12,500, then that person can transfer it to their spouse or civil partner at the basic rate to the taxpayer.

This tip reduces the amount owed to the tax-paying spouse each year by 250, which is a big term. This allowance is backed up to three years from the date of claim – even if you are married for a fraction of a year.

Always Have a Look on Benefits Entitlement

As your income has changed in the recent months, you may be entitled to certain kind of benefits that were not previously available to you.

If your income falls sharply, for example, if you are eligible for Universal Credit.

You stopped receiving Child Benefit because you are earning more than 60,000. Now that your income is low, the benefit is worth applying to start an art again.

Use the Benefits Calculator in Turn 2 to find out what else you can claimays have a look on benefits entitlement:

Claim Cash back from Different Utilities

Most of us have a laid back attitude or show much laziness when it comes to painting a picture about gas and electricity bills. We accept expectations rather than actual readings – or have to pay a set direct debit each month to control costs (and accumulate winter payments).

First, update your readings if you always go as expected. Most companies overestimate, so you can get credit in your account.

Second, if your account is on credit, you can reduce your monthly payments – or request a refund. You deserve money – it’s yours! – But to get there you have to write some emails. Some people are sitting on hundreds of pounds in their energy accounts, so it’s worth it.

Finally, change your energy suppliers if you can find a cheaper deal. This reduces long-term costs and also saves your monthly outgoing.

Look at Different Options for Local Funding

Government loans through various coronavirus business loan schemes help short-term cash flow – but they are still loans. Fortunately, for small businesses and loans up to 50,000, these are now 100% government-guaranteed – reducing the risk of your personal impact if you struggle to repay.

However, it is still a debt. You have to pay it back!

Instead, always look for different local funding options. Many councils and local authorities are running grant schemes to keep businesses afloat. For example, the York City Council has given a micro grant of up to £ 1000 for self-employed sole proprietors and small businesses who do not have access to the SEISS scheme.

All you need to do is direct application for such schemes means that you are more likely to get money faster than waiting for the government scheme to pay off.

Redo Your Budget

Paperwork is usually much boring – but it is also important to stock up on your business expenses and find where you can cut them. This will give you a clearer idea of ​​what you are actually spending each month – and will help you cut costs.

For example, have you ever signed up for a free trial of software, continued to use it, and let money leave your bank account every month? Usually there is a cheaper range that you can switch to – or, if you do not use the software, cancellation can save you a lot of money.

Also check your phone and internet bills. It may be time for a simple switch to save on monthly bills – going for a sim-only deal if your handset is still good is a great way to reduce costs.

Reducing everything may seem like a good plan in the short term – but consider the long-term impact. You can hire a virtual assistant, for example. Instead of cutting their contract, see how they can help you (looking at your budget, for one thing!). Find ways to use those that save your time so that you can focus on creating more business to improve cash flow.

As a Self-employed Ask Your Questions

This is actually a very difficult time for all the self-employed contractors right now – but in this critical time you are not alone. The new Money Magpie message board is here to help! Get involved with like-minded people to find more cash flow management ideas and ways to make your money.

8 Top Companies to Get Personal Loan

Many a times we are in need of money and go for the option of taking a loan. One of the worst thing that people do when they are in need in cash is that they just go for the first company that is providing them the loan and then they end up in heavy loan with high interest rates and high monthly payments make it difficult for them to make a living. You can save a lot of money when you do a little bit of search and by this simple research you can get a lower interest rate and a lower monthly payment that can help you to increase your credit score when you pay the low amount at time.

Personal loans are far better than the credit card debt because personal loans have much lower interest rates than the credit card debt and it is also easy to pay it off. That means you can get rid of personal loan much faster than a credit card debt.

So today I am writing this article to provide you a list of companies that can fund you low interest rate debts. These companies do not charge any hidden fees and are easy to use. In some cases you may have to pay application fee and origination fee but even paying this fee could be a win situation for you as you are still saving a lot of money. So let’s start from the 1st company,


1- SoFi

SoFI is one of the pioneers and leading company to provide financial service. This company is very famous and trusted a lot by its users as it has a trust pilot rating of 4.8 out of 5. With this company, you can get low interest rate debt without paying any hidden fees. You can get a loan in between $5,000 to a 100 thousand dollars for a time period of in between 2 to 7 years. Along with all this you can even avail discount on interest rate if you choose to pay through auto pay.

SoFi also offer job loss protection and you will not have to pay in debt in the time of no job. SoFi will help you to get a new job but in all that time, only your payments will be suspended and you will have to pay the interest rates eventually. This can last between 3 months to a year. This type of benefit is not available in other cases.

You can use SoFi to get money in the form of personal loans and other than that you can also take loans to refinance your student loan and home mortgage etc. You can get any type of consultation or loan without paying any kind of fee like the origination fee and the application fee.


2- Credible

One of the best online financial service providers is Credible. They are very famous among their users because of the low limitations and requirements and has a trust pilot rating of 4.8 out of 5. This website has a search engine where you can search for the lowest interest rate. You can get rates form 11 different lenders and you can also get discounts when you choose the auto pay option. Along with all that you can get loans to refinance your credit card debt. You can also use this site to refinance your student loans whether it is a federal one or a private one.

On credible you can take a maximum loan of $100,000 and you can avail loans for different time periods of 2 to 7 years.


3- Upgrade

One of the best rated platform to get a personal loan is Upgrade with a high trust pilot rating of 4.8 out of 5. This is a slightly new company as compared to others in the list but you can still one of the lowest interest rates on this company. You can take a minimum loan of a thousand dollars to a maximum of 35 thousand dollars. You can take a loan for 3 years to 5 years.

The process to take a loan on Upgrade is very short and simple and you can get your funds with-in a day as you get approved. You can get a loan with low annual percentage rate with your own payment schedule. These features makes it one of the best and flexible loan providing companies.


4- Light Stream

Light Stream can provide you one of the lowest interest rate in the market. You can simply get a low rate by searching on their site and you can also get discount in these rates if you subscribe to auto pay. This company has a trust pilot rating of 3.7 out of 5 and it is one of the branch of the Sun Trust Bank. You can take a maximum loan of $100,000 and depending upon your debt amount you can choose different plans from 2 to 7 years and even 12 years if you are taking a loan for home improvement. If you got a good credit score you can get a loan with fixed annual percentage rate. If you want to take a loan with a fixed APR then there is a requirement that you should take a loan in between 10 to 25 thousand dollars for a time period of 24 to 36 months.

This can be a good site if you want a personal loan and other than that you can also use this site to refinance your debts. A benefit of this platform is that you will save an APR of 0.50% just for choosing auto pay.


5- Payoff

One of the famous companies to get personal loan is Payoff and you can get a loan of maximum 35 thousand dollars with in a period of 2 to 5 years. This site is trusted among its users and have a trust pilot rating of 3.2 out of 5. The process of taking a loan from Payoff is very simple and easy and you can just apply within minutes. This company also specializes in refinancing credit card debt and has paid more than 100 million dollars in debt consolidation.

There is no hidden charges and fee on this site and you only have to pay origination fee. Another benefit of Payoff is that you would not get any extra fee even if you choose to pay from a paper check. Along with all these benefits, this company also offers job loss support that means that if you lose a job this company will not take debt amount in those months and will support you to get a new job. With all these benefits this could be one of the best choice if you want money under 35 thousand dollars.


6- Lending Club

Lending Club is one the famous peer-to-peer lending services company. This company also offers loan for auto refinancing. You can take a loan of amount up to 40 thousand dollars for a period of minimum 3 years to a maximum of 5 years.               The process to apply is simple but it can take a week because this company performs an inquiry about your details and your credit card history. Here your credit card score plays a vital role. You can also use this site to take small business loans along with personal loans.

Lending Club does not have any extra fee but they do charge an origination fee of 5% of your debt.


7- Earnest

Another platform to take personal loans is Earnest. This is one of the sites where you can take a loan as high as 500 thousand dollars. The company has a high reputation among its users and is rated 4.7 out of 5 on trust pilot. You can get these loans for a time period of minimum 3 years to a maximum of 5 years.

When you apply for a loan, this site does not solely looks upon your credit card history unlike the others but it makes a deep study of your job history, saving history and experiences to help you get the lowest possible rate. This site can also be used to refinance your student loan and other loans with low interest rates. You can earn discounts by choosing the auto pay option on Earnest.

You can get an estimate of interest rate for free without disturbing your credit card score and you can also get fixed interest rate for a time period of 3 to 5 years.


So these are some of the best companies from which you can get a personal loan on low interest rates. Many a times it is best to consolidate your debt with personal loan instead of asking a refinance company because your personal loans can be at least 10% to 15% less than the one you are paying. The companies listed above can provide you with one of the best options in terms of low interest rates for you with your provided option. Make sure you take an advantage from it. Do comment in the section below and let us know if you have any queries because we would love to hear from you.

How To Save Significant Amount Of Money By Taking Advantage Of The Free Stuff

I came across this infographic by JustFreeStuff and it is amazing for saving money, I will use these tips myself.

It is hard for an average consumer to not notice tons of advertisements flashing free stuff in their face all over the internet. However, sometimes the devil is in the details. There have been some cases where such free giveaways have turned out to be too good to be true. Signing up for these freebies can be a seriously frustrating experience if you are not prepared.

There are many consumers like you who do not take the advantage of hundreds of free product samples being given away car by companies due to the scary stories they have read about harrowing experiences of others.

It is true that there are quite a few illegitimate offers on the internet that advertise free stuff. But a big majority of these offers are legitimate and you need to do a little preparation to take advantage of these offers. It is important to keep in mind that most of the free offers have some strings attached. Sometimes, you may need to fill up a survey or participate in some other offers to get free stuff.

However, such things should not discourage you from getting freebies. Here are a few tips to help you prepare and protect yourself when getting stuff for free.

First of all, you need to have a separate e-mail address that will be used for these free offers. You can easily open a new e-mail for free on many of the free e-mail services on the web. Once you sign up, you are likely to get tens of e-mails on a daily basis from companies offering such free giveaways.

It is not necessary for you to check this e-mail on a daily basis. You can just check it once every week and read more about the offers you may be interested in.

Some of the legitimate offers may also require you to give credit card information. Be careful not to give away your main credit card information. You can easily buy a prepaid credit card and use that card for these free offers. This will help you in keeping your credit card info safe.

Also, there may be offers where you may be asked to provide your mobile number. It is recommended to get a separate prepaid phone and use that number for the offers. These prepaid phones are cheaply available everywhere and you can keep it switched off after signing up for the offers.

It is important to keep a detailed account of the offers you have signed up for. It will help you in separating legit companies from scammers. It is also important to complete all of the requirements of an offer to get the free stuff. Always read the fine print before signing up.

These are some of the tips you need to keep in mind to take real advantage of these free offers. It is possible to save significant amount of money by getting free products.


12 Effective and Easy Methods to Save Money

Saving money is not a cup of tea to drink it is a process of patience and hard work.  You should have a strong determination of saving money to achieve your goals. I am sure everyone in town wants to save money and achieve their goals but it seems very difficult to them so they do not get what they want. Here in this article I have come up with ideas that will help you to save more money in an effective and easy way. Many of the people who want to save wants to know how they could save so here are the tips for you in this article. These methods will help you to achieve your goals and it will give you a road map for money saving. To change your financial aspects and to get out of debt it demands hard work. You have to work had to achieve your aim so starting from the 1st method,


1- Invest

Investing your savings should be your first priority. You can invest your money on online banking apps, Betterment is the best option I would give it to you. Betterment is an online investing app that has a system where you can put your money and the system will automatically invest your money through online computer based advices. These app never gives you a loss and you can easily earn on your invested amount. You can also connect your bank account with these apps so every month a fixed amount of money will be deducted and invested from your account. These types of apps are free and easy to use. So this becomes a better and easy way to earn on your invested money.


2- Bank Account

Do you know the banks earn from the money you give them and they even charge you for the money you give it to them in order to keep it? Why should you give your money and also pay for that? There are a lot of banks that offer free banking and free checks so make sure you find one. Make sure you check your bank account on regular basis so that you could know that if the bank is cutting any fee or so?  You should check your bank account often to check how much you have spent and how much you are left and are you going out of budget. You can get many benefits just by checking so you should do so.


3- Make your Budget

To keep a track of your spending you first have to make a list of where are you spending your money. Making a budget is very important for a person who get paid every month. It is important that you should make a list of items or things where you have to spend and you should follow that routine strictly to save more. When you are making your budget make sure you exclude extra things to save more. You can also get helps and advice from online tools to make a good budget.



4- Check where you spend.

To keep a track of where you are spending your money is very useful because by tracking your spending you will get to know that where are you spending and are you following your budget. If you do not make a check at your list then you will surely break your budget very soon so to keep you on right track and to increase your worth this is very important that you regularly check where are you spending your money. You can take help from some of the online applications that are completely free!



5- Save the Change

You will be amazed to know that how much you could save from your change in a year. Many people like us do not give importance to the left change when they do shopping, this is because they think it would not give them much. You should keep a Jar or a Cup or something like that to keep the change and every day when you return you should put the change in it. After some days or a month get the jar out and you will be amazed to see what amount you have saved. You can give your change to bank and get cash and spend it where ever you want.


6- Saving Goals

To have a strong determination for saving it needs a goal. When you have a goal to achieve something you can then easily challenge yourself to get that. Goals help you to achieve something in time because it has an effect on your mentality. You know that you have to fulfill a certain task in some time and you then try for it.


7- Do shopping with Discount.

Everyone here need to do shopping for some cause. Many a time you have to do shopping for things that are necessary. Shopping on online stores is quite easy and it gives you more discounts then you can find in the malls. There are many online stores that offers a lot of deals to you while you are shopping from them. For big stores like Amazon you can have cash back and discounts in many ways. There are many tools and websites that help you to find free coupons, deals and discounts on many stores. There are many website that pays you cash back on shopping you do. You can get more discount by paying through your credit card then in cash because it is easy for the merchant and due to number of stores and the competition you can get the most discount while shopping online. So you should spend some time to search for the best offer.


8- Do not Buy New Things.

To buy new things you have to pay for the taxes and other payments. But if you choose to buy old items it gives you a lot of benefits. Although many people like me would love to be the first owner and would love the smell of a new item. Yeah this is with some people but you should change your mentality in order to save so. You can check Craigslist for this option and you can find many of the offers and items there for a very less amount. Craigslist is a store where you can buy old and used stuff. Buying used stuff will help you to save on shopping new things. For example buying used cars can give you benefits like you will have to pay 30% to 40% less on the original amount and you will get to know about the car easily.


9- Repair your item

Throwing your broken and damaged items and buying new items is never a good option if you have saving goals to achieve. You should change your approach and try to save money and should repair your item yourself or get repaired it from someone else in an amount less than you pay or a new one. Websites like YouTube has made this easier because you can easily get a solution to repair your item especially for electronic components for free. Although the manufacturers do not build products that can repaired now a days and used the products that can be recycled but there are some products that could be repaired so instead of buying you should repair and this approach could help you to save more.


10- Do not Buy items, Borrow them!

Buying new items all the time is not a good thing for your money saving goal. Many a times when you need an item but it costs much more than your budget then you should look for renting the item or when you need a product for only some short time then you should also go for renting. To save more you should ask your friends and neighbors for the item and can borrow from them. Suppose you need a chainsaw for cutting woods but this is a thing that you do not need on daily basis so you should ask your friends and neighbors for it and do your work with chainsaw on a weekend and return it. To make sure that your friends and neighbor give you things to borrow you should respect their things and do care for them as you do for yourself.


11- Replace Your Bulbs

Do you still use electronics products that consume a lot of energy or do you still use that old bulbs? If yes then you are not doing well with your saving goals. To save more money on your electronics bills you should change your old appliances with new less energy consuming products like you should change your old bulbs with the new LEDs. Although you will have to invest some on shopping but the amount you will save will be much more than you invest.


12- Skip the Dryer

Do you use a dryer and even have a space in your house where you can dry your clothes in fresh air? If yes then you are wasting money you should skip your dryer in sunny days because you should use the fresh air to dry your clothes. This simple method will help you to save a lot of money in every month and you will feel the difference in your utility bills.



So here are the dozen methods for you to save money today and you can start saving by implementing these simple methods. Do comment in the comment section below and also share your experience of saving money from any of the methods I have told you above.


7 Effective Methods of Saving on your Utility Bills

Do you pay thousands of dollars in your monthly utility bills and it is driving you crazy to fulfill this then you must read this article till end. Today I have come up with 7 tips that will help you to save hundreds of dollars every year or more if you are a big energy consumer. I will tell you about some simple hacks that by applying will save you a very big amount every year. You could have to invest in the form to buy products that would consume less energy. You can avail government offers on that so you could have to spend less and save more. So these simple type of tricks can help you to save a very big amount.

1- Unplug your appliances

There are many devices that use much energy even when they are not working. Many of the devices in our home consume energy even when they are on standby mode this is because they consume that energy in order to work instantly as you power them on. The thing you should do here is that you should apply a surge protector to avoid this loss and unplug all these kind of appliances whenever you are not using them these devices include chargers, TVs , coffee makers, toasters ,blenders and your gaming stations. To avoid this loss you should unplug these devices as you are not using them or try using surge protectors which help you to save more. If you want to know how much does it cost when a device is plugged in and you are not using it then bring a Kill A Watt. This device when plugged in the device will tell you how much you are spending on it. For this you have to put the energy rates per watt in this then you can easily get to know how much you are losing here. You can save up to $1000 a year from this simple hack. Please keep in your mind that devices like Cable boxes and desktop computers take much energy to power on when they are plugged out compared to the energy when they are plugged in. so it is better to keep this type devices plugged in because in other condition it will not give you a profit.


2- Water Heater

Everyone uses a water heater and in winters it is a basic need of every people. The first trick you have to do with your water heater is that you should wrap the heater with an insulating material so that the outside temperature or atmosphere would not affect your water heater or you can put your water heater in a place where outside temperature would not affect it all. Secondly, the thing you have to do is that keep your water heater at 120 degrees or below instead of keeping that at 140 degrees. At 120 Degrees you can get a fairly heated water in your house which can be easily used for bathing or cleaning. Any how this simple trick will help you save a lot. Now some of us would say that keeping the water heater below 140 can cause bacteria. Yes this is the case but it is only with the electric heater so it is totally optional to you but applying these simpler trick to your water heater you can reduce your utility bill up to 10%. Yes I know you will be amazed but this simple trick will help you to save up to 10% every month on your bill.


3- Cover your windows.

By covering your windows it means that you should not let the outside atmosphere hit you inside in the winter or even summers. You can fill up the cracks of the windows by very simple and easy steps and either you can cover them with curtains and plastic paper sheets by this you are blocking the cold air of outside from coming inside your house. This will cause less load on your heater and you will save. In case of summers you should close your windows properly and should not let any crack or point where the cold air could slip out, you should close the space between the floor and the door to avoid leakage these steps will put less load on your air conditioner and you will save. By doing the steps mentioned above in summers or winters you can save up to 20% on your utility bills. Isn’t it is amazing that applying a very simple hack you have saved 20% of your cash back from the bills.


4- Ceiling Fan

Using a ceiling fan in the house could become a very good energy saving decision because the amount of energy it consumes is much less as compared to the amount consumed by air conditioner or applying the ceiling fan in the room can help you to circulate the cooling in the room or the space acquired by it. This flow of air in the room can make your air conditioner more efficient and it can make its life easy. Another facility that a ceiling fan can provide you is that you can use a ceiling fan more frequently than the air conditioner because many a times it works very effectively according to temperature. You can use the ceiling fans in winters too by reversing the spin of the fan it will give you warm air instead of cool air and you can keep your house warmer in winters by applying this simple hack. You can program your ceiling fan with your automatic thermostat. This will help you to save more in a year. So these hacks from a ceiling fan can help you save much from your utility bills.


5- Repair your insulations

Insulations are very easy to install and it does not cost much to buy them. Keeping your insulation can save you up to 15% from your utility bills. Yeah 15% percent, insulation helps your air conditioner to work more effectively and it stops any leakage if there is any. If you cannot buy a new insulation you can do it by spray foam that will work effectively. By applying this hack you will check the difference yourself in a month in your bills. Suppose you saved $12 a months that means you saved $144 a year so putting some investment in this can save you very much.




6- Keep your refrigerator full 

You will be amazed to know that keeping your freezer and refrigerator full can help you save money. You would be thinking how? I will tell you when your freezer is full it takes less energy to circulate the cooling around the unit. So keep it full. You can do it by putting water bottles in to the freezer when you are not putting food and other beverages inside the refrigerator. When your freezer become full it will help you to save. One thing you must keep in mind is that you should not open the freezer often because it leaks more cooling.


7- Try to save through other means

You can save more by switching to options that does not use energy this may include that you should skip the dryer option and dry your clothes in the sun by hanging them outside and you can also switch from using the blenders by doing it from your hand. You can also save by not using the electric can opener and using your hands and old methods to open that. You can also do simple things like using the washer and dryer in the night instead of morning because in the peak time the energy costs are higher than the normal time. There are many simple methods like that from which you can save hundreds of dollars a year.


So these were the 7 legit and effective hacks that will help you to save money on your utility bills. All the hacks are effective and you will save hundreds of dollars a year and more yes if your energy consumption is much more than I stated above. You can use your saved money to invest or you can use you saved hundreds of dollars to go to a vacation or you can buy something you wanted. You can also use this save money to buy products that consume less energy and you install them. Yeah now money saving is very easy. Do not forget to comment in the comment below section and do share your experience of saving money from the utility bill from any of the stated above methods. I am sure you will save a lot and also share your road map with us that how you saved that money.

The 8 home things everyone should clean

No matter how busy people are keeping their home clean is a priority. There is a certain time in the week, devoted to domestic chores. However, many people make a major mistake during the cleaning session. Intentionally or not, we often stick to the same domestic chores, which means that some area of our home remain neglected and the bad thing is that these are sometimes places or item that we constantly use in our daily life. With time they gather a lot of grime and become a home to different types of bacteria. Of course, one shouldn’t get obsessed with cleaning. Including these areas in the cleaning process from time to time is more than enough.


Those are the areas in every home that in my opinion, everyone should clean.

Mattress and pillows

Ideally, the mattresses should be cleaned once in six months. With time, they become a suitable environment for dust mites and bacteria, invisible to the human eye. This may expose the health of your family to a risk of asthma, bronchitis and respiratory infections. The same holds true to the pillows as they collect dead skin, sweat and dirt. Check the labels and wash twice a year as recommended.


Doors and door knobs

If you have kids, the sticky fingers on the doors are certainly not something new. Most of the people wouldn’t bother themselves to wash the doors during the regular cleaning session. Yet, doors and door knobs are constantly touched by at least two people, which means bacteria can easily make its way to them. For this reason, all doors, door handles and knobs should be cleaned once per month.



Unsurprisingly we start with the floor coverings. You may say now that you hoover diligently the carpets every week but the grime can actually be eliminated only through a deep overall cleaning. Whether you will tackle this duty on your own or hire a professional for a carpet cleaning care, I strongly advise you to wash the carpets entirely on regular basis.


Behind and under the fridge

You probably haven’t thought of it but every time you take something out of the fridge or just walk around a lot of small crumbs and dust build up under and the fridge. Next time when you grab the vacuum cleaner, move the fridge and hoover thoroughly the area under it. Don’t miss to hoover also the refrigerator vent. The grime gathered there can make is work less efficiently, which will increase your electricity bill.


Light fixtures

Overhead chandeliers gather dust and dead bugs, which is not only unhealthy but also reduces significantly the light. Clean the light fixtures disconnected from the power supply. Gently remove any parts and wipe them with a damp cloth and soapy water.


Remote Control

Another commonly used device in every home. Staying constantly on the table, the remote control easily becomes covered with dust, which we spread around with our hands. To avoid this, wipe the front and back of the device once per week. Pay special attention to the area between the buttons.


Shower curtains

Due to the moisture in the bathroom, these are a breeding ground for mildew stains. The good news is that you can restore the clean condition of the plastic shower curtains by washing them in the washing machine.


The toothbrush holder

Every time you put your wet toothbrush back in its place, liquid is trickling down to the bottom of the holder, making it humid and dirty. This means that the toothbrush handle is full of bacteria, which easily makes its way to your hands. You should clean with hot water and your preferred solution the toothbrush holder once per week.

I Just Felt A Little Bit Of My Soul Die #Blogger

So yeah, I do follow links for a price.

I’m not proud of it but you want to pay me £50 for a cut and paste job, or £75 for me to write a load of shit for ten minutes to insert your link into, why would I turn you down?

I’ll do it.

I’m not sorry because I need the cash and let’s face it people, it’s either this or I work up Lidl (Actually, I applied and they didn’t want me. Nor did Asda. I failed the online  application test. For Asda).

You will occasionally see things appear on this blog with a link to some loans company or a private health care provider. Or anyone who will pay me. I have few morals and I am not too proud to sell myself for a few quid into my paypal account. 

We all have a price.

Mine is “SHIT, the nursery bill is coming up, I need £200” or, “FUCK, it’s the teenagers birthday next week and he’ll want a curry ordered in”.

I wish I could afford to have morals. I wish I was one of those writers who says, “I would never write anything for a payday loan company because they rip people off.”

I have to and it’s shit. I have to to stop myself borrowing from a payday loan company somehow, so selling links is the solution (I wouldn’t by the way, payday loans are the Devil).

I’m a blog whore. 

I am the internet equivalent of a hooker leaning into your car window. Sat here at my desk (kitchen table) saying , “cor Mister, that’s a nice loan company you’ve got. Let me make up a story about how my boiler blew up for fifty quid.”

I will flog anything you want me to. Here, have my soul for £100, because the microwave broke last week. 

So, I post these random blogs and forget that they are all connected to my Twitter and that means that people will read them. I also forget that a few thousand people thankfully, wonderfully subscribe to my site via WordPress, so they will get an email notifying them of my shame.

Friends are usually a bit perplexed by the random posts.

“What do you mean you needed to borrow money for your brother’s wedding? You don’t have a brother?” They say, looking at me intently to see if I have finally cracked.

Other bloggers roll their eyes and scroll on.

The bloggers with morals tut, and the other skint bloggers send me an email saying, “pass them my way, love, I’m short of shopping money this week.”

How To Maximize Your Chances Of Receiving Free Samples

Requesting free samples on the Internet is a fairly simple and straightforward task. However, if you have ever waited the required amount of weeks only to find an empty mailbox, it can be a real letdown. Luckily, there are a few steps you can take to maximize your chances of actually receiving the samples you request.

Samples are offered on a first come first serve basis and there is usually a certain number of samples being given away for free. To ensure you will be one of the first ones, sign up for the free samples right away. Scout for free samples every day online and don’t hesitate because if you wait too long, the quota may have been filled and your samples will not arrive.

Take steps to ensure you are signing up for a legitimate sample deal. Oftentimes, free sample websites do offer samples on websites that aren’t theirs, but if the website is filled with advertisements and offers to sign up for, it can be a sign they are just harvesting your info and all you will receive is junk mail. One way you can stay safe for sure is to only request samples straight from the manufacturer’s website.

Follow the rules exactly as they are outlined on the website. Some samples will be limited to one per household or some samples are only available to people of a certain age group or location. Don’t ignore these rules because following directions can be the difference between receiving the samples you requested or an empty mailbox staring back at you.

Make sure you completely fill out the mandatory fields in the sample request form. Usually, a name, address, email and phone number are required. In some cases, you may also be asked to fill out a short survey, a poll or play a game. It is important to complete these tasks if you wish to receive your sample. The more you do, the better your chances of actually receiving your freebies.

Though it may seem obvious, double check your submission for any errors. Something simple like a mis-typed house number can prevent you from receiving your requested sample.

After you submit your information, there should be a confirmation page. Pay close attention to this page because it will usually tell you that your info has been submitted to the company and it will give you an estimate of how long it takes for the sample to arrive. If you have missed something, the last page will usually let you know and give you a chance to correct it.

Keep checking your mail to ensure your free sample arrives. The packaging may sometimes resemble junk mail, so be careful not to accidentally throw your sample away. You may even go as far as following up with a company if you haven’t received your sample in 6 to 8 weeks. Just go to the company’s website and use their contact info to let them know about your issue.