Christmas Savings Clubs – Good or Bad

Christmas Savings Clubs – are they worth it?


With the New Year only just underway, thoughts are already turning to the next festive season. Adverts are appearing proclaiming that you can make Christmas 2017 the best one ever, if you join a Christmas Savings Club


Christmas Savings Clubs
Saving for Christmas

Park, once one of the biggest names in the Christmas Hamper industry have shifted their focus away from providing groceries and frozen food.  Now they are focusing on the voucher market, rather than the hassle of making up all those pesky hampers on which they charge a hefty premium.


Whilst Park do still provide a limited number of hampers and gifts, some Christmas savings clubs offer only vouchers as a reward for saving with them throughout the year.  Variety Christmas Savings Club have been in business over 35 years yet only offer a limited number of High Street vouchers.  These do however include big names such as Love2Shop, Amazon, Argos, Boots, Marks and Spencers, Tesco and Sainsburys.


Even so around a million people still use christmas savings clubs to put a little aside each week for the biggest day of the year. But do they represent good value for money?

Benefits of Christmas Savings Clubs

You can put a little aside each week to budget over the year
There is no temptation to dip into your savings
You know in advance what you will be getting
Agents can earn commission on sales.

Disadvantages of Christmas Savings Clubs

They are very restrictive and inflexible
You can get much better rates of interest and deals elsewhere
If your agent does not pay the company you might lose your savings
They do not represent very good value for money.  Hamper companies for example place an average of 20% mark up on all their products.  Supermarkets often offer the same products with considerable savings at Christmas time.
You do not receive any bonus or interest on your money.  Vouchers are often only for face value yet the company has been earning interest on your money all year round.

What alternatives are there for Christmas Savings Clubs??

Banks and Building Society Accounts

You can put a little aside each week and earn a small amount of interest making your money go further.  If you are tempted to withdraw the money you could ask a friend or relative to look after your bank card or building society book.  A notice account will pay more interest than a standard savings account.  Because you have to give notice before you can withdraw money, this will stop you dipping in to your savings.

Some banks have a “round up” service which will round each transaction you make up to the nearest pound and pay the pence into a savings account.  You hardly miss the pennies but see how much starts to build up in your savings account!

Credit Unions

Some credit unions provide Christmas Savings Clubs but also pay interest on your savings.  You will not be able to access your money until December, but because credit unions are protected under the Financial Service Compensation Scheme your money will be safe all year round.  Check to see if there is a credit union near you who offers such a scheme.

Supermarket Savings Schemes

Many supermarkets run their own savings schemes where by you either buy savings stamps or put some money aside each week to pay for your Christmas Shop.  Many of these also offer some form of bonus if you fill up your card with stamps or save a certain amount.  Even putting away one pound each week which is an amount most people wouldn’t miss would pay for Christmas dinner.  The disadvantage to supermarket savings is of course you must spend the savings in their shop.

Becoming a Christmas Savings Club Agent

Whilst becoming an agent for a savings club or hamper company may seem like a good idea beware.  There is usually a minimum order value required before you can earn any commission.


For Park Hampers in 2017 – you will not earn any commission on orders under £550 and from there upwards your commission could be as little as 1% depending on the product you sell.  Variety Savings Club has a minimum of £1500 and from there upwards your commission is a maximum of 4%.


Not a lot of reward it seems for the hassle of finding customers, collecting and banking money and managing your agency


If you are thinking of saving for Christmas 2017, we would recommend opening a separate savings account which pays interest.  You can pay in as much or as little as you like, your money will be safe and you may even earn a small amount of interest on the money you put aside.


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Why All You Can Eat Buffets Aren’t Good Value For Money

All you can eat buffets are becoming one of the most popular dining experiences in the UK.  New restaurants are popping up all over the UK, with almost ever major town and city offering at least one unlimited dining experience.

All You Can Eat Buffets
All you can eat buffets are very popular in the UK

The History Of All You Can Eat

The concept is one which first appeared in the USA in the 1930’s. In working class areas all you can eat buffets proved very popular with families.  The idea was also carried into the popular casino hotels of Las Vegas and The Strip.  Catering for 1000’s of guests was far easier by buffet than preparing thousands of individuall meals.  Nowadays chains of all you can eat buffets such as Golden Corral now boast over 450 restaurants in the USA.  In the UK, Taybarns, Cosmo and Jimmys World are leading all you can eat buffet chains.


The Rise Of The World Buffet

So why is the idea of the all you can eat so popular?  Well aside from the obvious, being able to eat as much as you want without limit, the buffet concept also allows diners to sample foods they would not normally try.  In the UK, most buffet restaurants offer various cuisines including Chinese, Indian, English, Italian and Mexican.  Some also offer live cooking stations where chefs will prepare food specially to order.  There may also be a sushi bar, chocolate fountain and unlimited ice cream depending on the restaurant.

The Economics Behind the Concept

Restaurant owners know that for every person who gets full value out of a buffet, there are at least another five people who won’t.  This is what has allowed the concept to experience such amazing growth.  Even for those who do manage to eat their money’s worth, the restaurants know that the mark up on drinks and other sundries will make up the short fall.


If we apply the rule of thirds, which is often used in restaurant economics, 1/3 of the cost of the meal will be spent on food.  With the average buffet costing between £5.99 (dinnertime) and £16.99 (evening) thats between £2 and £5.50 food per person at raw cost. When you consider that most buffet meals work out at pennies per person at cost price, you can see why very few all you can eat buffets actually go out of business.

How Buffets Entice You To Eat The Cheapest Food First

Every buffet is designed so that diners eat the cheapest food first.  This means that cheap carb heavy items such as bread, pasta and potato products are often the first items you will see.  Not only are these cheap for the restaurant to produce, they also fill you up quickly making you eat less overall.


More expensive cuts of meat are always at the end, or on the chefs stations. Buffets know that many people are unwilling (or embarrassed) to queue for these stations so will miss out on premium products.

How To Get Value For Money From An All You Can Eat Buffet

They may be fun but they are not an economical dining experience!  Here are some tips to help you make the most of your money.


  • Don’t starve yourself before you go.  Whilst you may think this will help you to eat more, it actually shrinks the stomach.  This will mean you feel fuller sooner.
  • Don’t fill up on fizzy drinks.  These will fill the stomach with gas leaving less room for food.
  • Ignore the starchy, carb laden foods at the start.
    Head for the end of the buffet or the cooking stations for the best cuts of meat.
  • Remember that afternoon sessions may be much cheaper than evening sessions but the choice of food will be limited
  • Check out local vouchers and deals.  You can often find money saving offers for buffets.
  • Shop around.  Try to find the best deals in your area

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Make Your Own Bath Bombs – Absolutely Lush!

Bath bombs – Who doesn’t love relaxing in a long luxurious bath?  And if there is one thing that can make a bath even better its that fizzing ball of loveliness that is a bath bomb.  They smell lush, they turn the bath a lovely colour and of course they fizz!!

make your own bath bombs
Bath bombs make any bath lovely


Bath bombs cost up to about £3 each in shops, with some premium brands costing even more.  Some commercial bath bombs have a dizzying array of ingredients, including preservatives, chemicals and other substances which can play havoc with sensitive skin.  Making your own is quite a simple process, plus you know exactly what is going into them.  The ingredients are actually quite simple and can be sourced quite cheaply from a chemist or online auction site.


What Ingredients Will I Need To Make Bath Bombs?

The main ingredients in bathbombs are baking soda and citric acid.  Some recipes use Epsom Salts (the main ingredient in bath salts), and others use corn flour as filler.  Fragrance is either essential oil or cosmetic grade fragrance oils and colourings is food colouring.  You will also need some sort of oil to help bind the ingredients.  Lastly, you will need some form of mould – these can be bought quite cheaply on Ebay (around £5 for a 5 cavity mould)

The Science Bit

The reaction which gives the bathbomb its characteristic fizz occurs when the baking soda and citric acid come into contact with water.  This forms bubbles of carbon dioxide.  Cornstarch if used helps the bombs to float.  Epson Salt is magnesium sulphate and is a regular ingredient in bath salts, due to its relaxing effect and the ability to soothe tired muscles.


Where Can I Find The Ingredients?

Any chemist shop will be able to supply citric acid it costs about 5 a kilo.  Baking soda is commonly known as bicarbonate of soda in the UK and this can also be bought at a chemists shop.  Online auction sites will also have the ingredients you need.  It will probably cost around £20 to set yourself up with moulds and your first set of ingredients but you can make loads of bath bombs with your initial investment.


The method for making bath bombs is the same regardless of the recipe.  Firstly mix together all the dry ingredients.  In a separate bowl mix together the wet ingredients.  Gradually add the wet ingredients to the dry.  Once fully combined, press into  moulds.

essential oil


Bath Bomb Recipe 1.

2 cups baking soda

1 cup citric acid

i cup cornstarch

3 tablespoons vegetable oil

1 teaspoon water

4 – 5 drops essential oil

3 spoonfuls chamomile flowers (optional)


Bath Bomb Recipe 2

1 cup baking soda

1/2 cup citric acid

1/2 cup Epsom salts

1 tsp. water

2 tsp. essential oil

3 tsp. oil (olive oil)

food coloring (any color you want)
Remember to check the safety information on any essential oils that you use.  Some oils should not be used by pregnant women or those with high blood pressure or other medical issues.
Bath bombs make lovely low cost gifts and you really are limited only by your imagination!  Happy crafting.



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Readly Review – Save Money on Magazines

Readly Rocks! If you love to read and you love magazines you are going to love Readly.  This fantastic little app is already receiving rave review and we totally understand why!   It offers unlimited access to over 1500 different magazines every month for the low price of £7.99.  It’s the magazine equivalent of Netflix.


Readly Read as Much as You Like
Readly, unlimited access to magazines for £7.99

Readly Can Save You Money

With an average Uk magazine costing between £2 and £3, Readly’s unlimited access offers exceptional value. You can access over 1500 top titles including Good Housekeeping, Grazia, Top Gear Magazine, Closer, OK, The Beano, Hello, Woman’s Own and even Kerrang Magazine.  If you buy just 2 or 3 magazines a month, switching to a Readly subscription will save you money.


There is no limit to what you can read, so you can browse and try magazines you would not normally buy on a news stand.  Discover new interests, browse the latest news or just keep up to date with all the celebrity gossip.  Whatever your passion, Readly has a magazine to suit.


Read On Up To Five Different Devices

You can read on up to five different devices with a single account.  You can also set up profiles for different family members, so everyone can enjoy their personal favourites.  Kids want to read Horrible Histories?  Other half a fan of Guitar Magazine?  No problem!

Ready currently works on Apple iOs, Android, Windows 10, Kindle Fire and Windows Phone.


What Titles Are Available?

Readly offers an excellent choice of premium titles split into categories for easy navigation. Categories include Women Interest, Hobbies & Craft, Automative, Children and Young Adults, Celeb, Home and Garden, DIY, Mens Interest, Music, TV and Cinema, News & Current Affairs, Tech and Gadgets and Lifestyle.


At present, there are 1618 different titles and 33916 issues, certainly enough to keep you occupied for a very long time!


Access Both Current And Back Issues

Free access to both current and back issues is included in your subscription.  Ideal if you have missed a copy of your favourite magazine or you discover something new and want to check out previous issues.


Try Readly For Free

You can try Readly absolutely free for two weeks with no obligation. After your free period you will be charged £7.99 per month. Alternatively, you can get a whole month free when you start your subscription right away.  Pay just £7.99 for your first month and your second month is free.
Earn Free Months
Once you have signed up you will receive a refer a friend link.  For every person who signs up using your link you will get a free months subscription.  There is no limit to how many free months you can earn!


Try Readly Now Free For 14 days.



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Free Activity Box For Your Little Ones

The Weekend Box Club is a new activity box scheme, which is sure to keep your little ones entertained all weekend.  And, for a limited time you can claim a free activity box! The box is packed with fun activities which your kids will love.   Whether its Something To Make, Something To Bake, Something To Explore or Something Green, each box contains a number of surprises which you and your children can enjoy together.


free activity box
Each activity box will be personalised for your child

What’s In Each Box

Each box contains a number of carefully chosen themed activities.  Your kids will enjoy making, baking, exploring and sticking and they will love their special award when they complete all their activities.  As well as being fun, Weekend Boxes are educational and inspirational.


Recent Themed Boxes

Science Experiment Box

  • Baking: Popcorn Cupcakes
  • Making: DIY Jigsaw
  • Green: Grow Your Own Salt Crystals
  • Explore: Static Electricity Experiment

African Themed Box

  • Baking: Bake a Fruity Meringue
  • Making: Make a Maasai Necklace
  • Green: Make Your Own Elephant Mask
  • Explore:Make and Play A Traditional African Game

How Much Does Weekend Box Club Cost?

You can choose between two box sizes.  The Mini Box contains two fun activities and is delivered every fortnight.  It costs just £4.95 a fortnight.  The Bumper Box costs £7.50 and contains four activities.  You can order this to arrive either fortnightly or monthly.  Your first box is free!


Claim Your Free Activity Box

You can claim your first Weekend Box absolutely free. This free activity box offer will only last a short time so hurry.  You will need to use this link to sign up to the free offer.  You will then be enrolled in the club and will receive further boxes unless you cancel.  You can pause deliveries at any time.

Weekend Box At A Glance

Personalised Kids Activity Box

    • Choose Your Delivery Schedule -Fortnightly or Monthly
    • Claim Your First Box Free
    • Choose the Box Size You Want – either two or four activities
    • Free Collectable Stickers Included
    • Educational And Fun
    • Just £1.73 A Week
    • Add Extra Children At Small Cost

Weekend Boxes are the perfect fun activity for you and your child.  You will enjoy hours of quality time with your child helping them to learn and explore the world around them.




Click Here To find out more about Weekend Box


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How To Win Competitions!

You may have already heard of Di Coke, one of Britain’s most prolific compers.  Every year she takes home a veritable host of prizes including cars, cash and luxury holidays.  Whilst many of us can only dream of being that lucky, regular compers believe that you can significantly increase the odds in your favour if you follow a few simple tips.  So can you really influence the gods of fate to help you win competitions or is it all down to pure luck?


win a car!
win cars and other fantastic prizes

Jenny Fortune is an experienced comper and author of the book “How To Win Competitions“.  She believes that you  can increase your chances of winning quite significantly if you follow a few golden rules.  Here are her winning tips.

You Have to Be in It To Win It

You probably think that one is blindingly obvious but you will never win a competition you dont enter! Likewise, the more competition you enter the more you are likely to win.  Serious compers know that winning is a numbers game.  It is incredibly easy to enter competitions online – all it takes is a few minutes.  Every one you enter is a chance to win!


Some Competitions are Easier To Win Than Others

As a general rule, the more effort you have to put into entering a competition, the less entrants it will will attract.  Tie breaker competitions, or those which require you to take a photograph or complete a create task attract far fewer entrants than those which just require you to fill in a simple form.
Local competitions sometimes attract a mere handful of entrants. Check out your local newpaper or what’s on guide for some potential winning opportunities.  Lesser known blogs are also a goldmine for wins.


Know Where To Find The Best Competitions and Loquax are two of the best sources for online competitions.  You can find over 3000 competitions a month at Prizefinder, split into easy categories. Sort by category – Cars, Cash, Gadgets, Games, Kids etc to focus on the prizes you most want to win.  You can also search for competitions which are closing each day and track your entries

You can find competitions on Twitter on Twitaculous or by searching using #competition.  Twitter competitions are some of the easiest to enter as most just require a follow and retweet.  You can also just type into google “win {name of prize you want to win}”.  You will need to check competition is still in date but this can turn up some gems!


Comping Quick Tips

  • For winning tiebreakers check out Winspiration
  • Get a form filling app to take the monotony out of entering your personal info
  • If you only have limited time, only enter comps with prizes you really want.
  • Check out local papers, shops and products for little entered comps
  • Keep track of your entries and your wins!

 Positive Thinking Can Help You To Win Competitions!

Never underestimate the power of thinking positive.  One comper uses visualisation and postive affirmations to help her win competitions.  She visualises herself receiving the winning notification and how she will feel when she receives her prize. Since starting this, her wins have shot up remarkably! So think positive and start winning!


How To Win Competitions
How To Win Competitions By Jenny Fortune

You Can Buy Jenny’s Book How To Win Competitions Here for just 99p






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Are no deposit bingo and casino deals worth it?

Casino and bingo offers are absolutely everywhere these days.  It is nearly impossible to find an advert break past nine pm without at least one in it.  It all seems very tempting – the promise of a free £20 casino credit, free slot spins or £15 to try out a new bingo site.  But are these offers really worth it and can you really win?


25 free spins
25 free spins – 18 + only

Why Do Casinos And Bingo Sites Offer No Deposit Bonuses?

Competition in the gambling industry is fierce.  Companies have to have massive marketing budgets just to survive in this cut throat industry.  Imagine that you google “online casino” and click on the first promoted link. These are the ones that appear above the normal search results. This click will cost the advertiser a staggering £93.60  That’s without you even signing up as a player.

Casinos know that you are more likely to deposit your hard earned cash at a casino you know and have already played at.  Which is why casinos give away these “free lunches” in the form of no deposit bonuses and free promotions.  But is there a catch?

There’s No Catch But Always Read The Small Print


Whilst casino and bingo sites can legitimately hand out these no deposit bonuses to new players, there will be terms and conditions attached to them.  Almost all sites will limit the amount you can cash out if you haven’t made a deposit.  You may find there are restrictions on which games you can play – slots are usually allowed but progressive slots may not be.  Likewise blackjack and other table games may be restricted too.  You will also have to meet a wagering requirement, that is you need to play through a certain amount usually displayed as x times the bonus.  If your no deposit bonus was £10 and the wagering requirement was 20 times the bonus, your play through requirement would be £200.


Can I Cash Out Real Money?

Yes, you can cash out real money from these offers but you may not be able to cash out all of your winnings. If your maximum cash out is £50 then any winnings over that will be removed from your account when your withdrawal is processed.

To make a withdrawal you will most likely have to supply your documents. This is the law with all casino/bingo sites in the UK.  This is mainly to prevent money laundering.  The usual documents which are requested are drivers license or passport, a copy of any credit cards used to make the deposit and proof of address. This can be in the form of a recent bill. Documents can be sent by email or fax.  We recommend covering the digits on your card all bar the last four.


Where Do I Find Gambling Offers?

All gambling companies must have a license in order to advertise in the UK. You can find a list of gambling sites licensed by the Gambling Commission on their website. You can also use casino directory sites such as Casino Vamp, Go Casinos UK and Bingo Blighty. Or you can just wait for the next advert break!!









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McDonalds® style fries copycat recipe

We are all familiar with the crispy sticks of loveliness that are McDonalds® fries.  Unfortunately, with a large portion setting you back £1.39, when you have a family of four a trip to the drive thru doesn’t come cheap.  This McDonalds® style fries copy cat recipe tastes just like the real thing, but works out at less than £1 for the entire recipe – which comfortably serves 4-6 people.

McDonalds® Style Fries Copycat Recipe.

mcdonalds® style fries
mcdonalds® style fries copycat recipe

McDonalds style fries copycat recipe


  • 6 Russet potatoes
  • Sea Salt
  • Oil for Frying


  1. Peel the potatoes, square off the ends and cut them into batons exactly 3/8 of an inch thick. This is the optimum thickness for the perfect french fry.
  2. Soak the fries in a pan of cold water to remove the starch. Change the water after one hour
  3. Dry thoroughly.
  4. Heat one inch of oil in a large cooking pot to 290 degrees.
  5. Blanch the fries for two minutes
  6. Remove from the oil, dry on paper towels and place immediately in fridge.
  7. Just before serving, reheat the oil to 370 degrees and cook the fries until crisp and golden.
  8. Sprinkle with salt and serve immediately.
Recipe Management Powered by Zip Recipes Plugin

How McDonalds® Make Their Fries

You may be interested to know that in the UK, McDonalds® fries contain nothing but Potatoes, Vegetable Oil (Sunflower, Rapeseed) and at the beginning of the potato season Dextrose which gives the fries their golden brown colouring.  In comparison, last year McDonalds® US revealed how their fries were made and it actually revealed that they used 14 different  chemicals!  That is definitely good news for us in the UK!


McDonalds® fries are prepared in a factory, fried, frozen and then shipped to individual restaurants where they are refried just before serving.  This 3 step process is similar to the one in our recipe – blanching, frying and refrying.


Most of the potatoes used by McDonalds® in the UK are grown in England, with a small proportion of them being imported from Europe.  McDonalds® use a mixture of potatoes to get their characteristic taste including Pentland Dell, Shepody and Russet Burbank . In the factory, the potatoes are peeled and cut and then blanched to remove the starch.  Once blanched they go through a mechanical cutting machine.


At the beginning of the potato season, there are lower levels of the naturally occuring sugars in potatoes.  These sugars help to give the fries their golden appearance and also help them to cook evenly.  Therefore at certain times of the year, McDonalds spray dextrose onto their fries.  They are then fried into the factory and frozen ready to be shipped to individual restaurants.  They are then fried again just before serving in a restaurant.  The fries are sprinkled with salt although you can request fries with no salt if you wish.  And that is how those lovely munch McDonalds® fries are made!  We think the McDonalds® style fries recipe tastes just as good though – try it and see what you think.


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Making Money With Microtasking

Microtasking involves completing small jobs online in exchange for payment. It allows companies working on a project to split the project down into small tasks (microtasks), and outsource it to internet workers. Microtasking is low paid, but it is a way to make money online.


microtasking site MTurk is probably the best known of all microwork sites
microtasking site MTurk is probably the best known of all microwork sites

How Microtasking Works

Microtasking companies have a list of jobs which are available. You select the ones you want to work on from the current jobs available. The jobs are loaded into an interface and there is usually a time limit to complete the job. If you accept a job and then realise you cant complete it within the time limit given you can choose to abandon the job although this may affect your quality rating as a worker if it happens too often. Once you have completed your job, press the submit button and wait for the company to accept the job and pay you.

Where Do I Find Microtasking Jobs?

The most well known Microtasking company is Amazons MTurk also known as Mechanical Turk. Jobs here are called HITs which stands for Human Intelligence Tasks. Pay ranges from a few cents for short tasks up to a dollar or more for more specialised tasks.


The more lucrative tasks tend to be snapped up quickly here so you need to check the site many times a day to get the best jobs. Also MTurk requires workers to be qualified before accepting some HITS. This involves taking a short online test to ensure you understand the requirements of a certain customer or understand the subject enough to be able to work on it.


Other Microtasking companies include Clickworker, Microworker and Click Chores.

What Sort Of Work Is On Offer?

Transcribing, extracting data, classifying items and surveys make up the bulk of work on Microtasking sites.  Occasionally there may be some freelance writing work but you can get better rates of pay for this on sites such as Iwriter.

How Much Can I Earn?

Microtasking is low paid. It has been criticised for exploiting workers with extremely low rates of pay. It would be difficult to earn anything close to the UK minimum hourly wage, but it is possible to make some money at this. MTurk however pay their UK workers in Amazon gift cards.

This sort of work will never make you rich but if you have some spare time and don’t mind the low pay then this is another way of making money online.

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Win Cool T-shirts from

Win T-Shirts!! Our friends over at are holding a fab new competition to win any T-shirt on their site.  Bear Prints offer a range of cool and humorous tees for men, women and children.  Three lucky winners will be able to choose any of the designs on their site as their prize.

pagan and proud ladie top
Pagan and Proud Ladies Strappy Top


Biker T-Shirts Born To Ride – Forced to Work T-shirt



Witty, Fun and Cool TShirts

There are hundreds of different Tshirts designs on site ranging from witty mens slogan tshirts, ladies strappy tops and cool kids tees.  If you have a special biker in your life they will be truly spoiled by the range of biker style shirts on offer.  “Fat Bikers Bounce Better”, “RESPCT”, “Loud pipes save Lives” or ” Keep Calm and Ride” are just some of the many designs available.


If Sugar Skulls are more your thing check out this gorgeous ladies strappy top and mug.


ladies sugar skull strappy top
Ladies white sugar skull strappy top



day of the dead sugar skull mug
This sugar skull mug is gorgeous

Custom T-Shirts And Work Wear

If you would like a custom tshirt or a branded logo shirt, hoodie or sweatshirt for your business, Bear Prints will custom make designs to your specification.  Unlike other promotional item printers,there is no charge for artwork and even one-off commissions are welcomed.  If you are just starting up in business and would like some clothing to promote your brand, contact them and they will be happy to help.


Up to XXXL With Fast UK Delivery

Shirts are available in a range of sizes from S to XXXL.  Bear Prints are based in the UK and most items are dispatched within 24 hours of receiving your order.


How To Enter The Competition.

To enter simply send your name, address and the Tshirt you would like to win to  Three winners will be chosen at random on 31st July 2016.


For More Info on Bear Prints visit or visit them on Facebook 




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