Grocery Shopping Hacks That Will Cut Down on Your Bills

 

 

Filling your kitchen with nutritious and delicious food while on a budget? Challenge accepted! Check in with these simple ways to cut down your bills at the supermarket.

Plan your meals before you shop

When you don’t have a goal in mind, it’s all too easy to wind up at the cash register with a basket full of frozen peas, coffee beans, and fruit leather.

While they’re all edible, pieces you grabbed at random probably won’t come together to create a cohesive meal. Inevitably, you’ll have to go out again and pick up what you need to fill in those spaces — causing you to spend even more money!

A meal plan can help you eliminate the number of shopping trips you take by focusing your attention on what’s absolutely necessary for the week ahead. It’s a blueprint of upcoming meals, outlining all the lunches, dinners, and snacks you plan on serving your kids.

Remember before you shop to choose meals that will satisfy everyone in the family — not just your kids! Although they may be picky eaters, they shouldn’t dictate the family’s diet every day. This can lead you down a road of bad eating habits as you adopt their selective palette for yourself.

Not only will you be able to start eating food that you like again, but you’ll also reduce your waste. A well-crafted meal plan will incorporate the leftovers of one dish into another new meal, so you’re less likely to throw out food. By eliminating waste, a family of four could save as much as $150 a month in spoiled food.

Create a budget and stick to it

A budget is the financial plan that complements a meal plan perfectly. It helps you organize your finances, so you can afford to buy what you need.

Last year, the official USDA Food Plans estimated a family of four on a thrifty budget could spend around $640 a month on groceries. Those on a more liberal plan could expect this cost to nearly double to $1,280 a month.

By sitting down with your finances, you can determine which of these plans is more realistic for your family. More importantly, you can cut spending in other areas of your budget to make sure you’ll always have enough cash to hit your monthly target for food.

Of course, a budget isn’t infallible. There may be a week here and there when you go over your limits. There’s no harm in splurging now and again on special occasions, as long as you stick to the plan most of the time.

Don’t panic if your budget is thrown off by some unexpected household expense. If it’s an emergency you can’t ignore, a personal loan might be the answer — even if you’re rebuilding your credit score. There are loan options for those without good credit that include installment loans and lines of credit that work quickly in your time of need.

An installment loan or personal line of credit works well as a momentary stopgap, but they shouldn’t become a regular feature of your budget. Just remember they’re meant for emergencies — not every  shopping trip.

Bring your smartphone along for the trip

How many times have your dug through your purse to find your phone, so you could call someone back home to see if you need more milk? If this is the only way you’re using your phone in the grocery store, you’re missing a huge opportunity for savings.

With the right app, your phone can help you:

  • Comparison shop:Is the deal on pork chops really the lowest price in the city? Price comparison apps like Basket and Grocery Pal will answer questions like this. They locate sales at grocery stores in your area, so you don’t have to drive around town in hopes for a better deal.
  • Collect rewards:You have what feels like a million loyalty cards and stamp cards somewhere. Too bad you never seem to remember to bring them with you. Apps like Flok and Punchcard connect every rewards card you have onto their digital platform, so you only have to remember to bring your phone to the store.
  • Earn rebates: You can take some of the sting out of a costly bill when you compare your groceries to the list of qualifying items on apps like Checkout51, Ebates, and Ibotta. If you can verify your purchase, these apps will send you cash back.

Having a kitchen fully stocked with nutritious food isn’t always the easiest thing to do when you don’t have a lot of extra cash floating around. But with the right tools in your purse during your trip through the grocery store, you can manage it.

What to Do When Your Gutters Are Backed Up

It’s true, the gutters on your property may be the last thing on your mind from one day to the next. However, they are also not something that you should neglect. Problematic gutters can cause serious issues and damage to your property that are not only difficult to resolve, but costly too. With that in mind, therefore, it’s important to have your gutters cleaned and maintained regularly to make sure they are doing their job or moving rainwater and melted ice away from the sides and foundations of your property.

What happens if your gutters get blocked? Is it really that serious?

Well, if debris, dirt and leaves can accumulate and block up your gutters, there are numerous problems you will be faced with that you could have easily avoided. Problems like:

  • Cracked gutters
  • Mould growth,
  • Rusting
  • Soil erosion and foundation damage
  • Subsidence
  • Pest infestations

What Can Clog Gutters?

Gutters rarely get backed up overnight. It normally happens over a considerable period. As debris like twigs, pines, leaves and even paper gets blown onto the roof and in the gutters, most is carried off by the rain. However, some of it remains. As this happens regularly, the guttering gets blocked up. After it’s blocked, all that rotting organic matter becomes the perfect place for mould and even pests such as insects and rodents to breed and make it their home.

Clogged Gutters can Cause Leaking Roofs

The gutters on your property are there to provide protection for the roof, fascia, siding and even the foundation from water damage, by redirecting rainwater away from the building. When your gutters are backed up and blocked, the water has nowhere else to go and starts to accumulate around the roofline, overflowing in the process. During winter, any water trapped in your gutters will freeze over. As the water remains on your roof for longer than it should, the materials on your roof can start to erode, which can then lead onto water seeping into your roof and into your home.

How to Stop Gutters Getting Backed Up in the First Place

The best way to solve the problems associated with clogged gutters is to prevent it from happening in the first place. By far, the best way to do this is by scheduling maintenance and cleaning of your gutters. Ideally, you should have this work carried out at least once evert year. However, if there are a lot of trees and sources of foliage and debris in the area around your home, you will need to schedule gutter cleaning at least two times a year.

Hopefully you can see just how serious a problem clogged up guttering can be for your home. The last thing you want is to only notice that you need your gutters cleaned and cleared when there’s bad weather. It’s much better to have them cleaned during those drier and warmer parts of the year, so they are ready to handle the wet and cold weather.

Which Nissan SUV is Right for You?

Whether you’ve got an active and versatile lifestyle or a large and growing family, there’s plenty of various scenarios where an SUV is probably the best type of car to invest in. Of all the car manufacturers out there, who design and build SUVs, one of the most exciting must be Nissan. However, with so many different models to choose from, which is the right Nissan SUV for you? In the following article we’re going to look a little at some of the newest and best from the Japanese car giants, to give you an idea of what you could spend your money on.

Nissan Pathfinder 2019

The most recent addition to the Pathfinder family of SUVs from Nissan is the 2019 model. This is a three-row midsized SUV that is perfect for families who like high-end tech just as much as they love comfortable car rides. There’s room for as many as seven passengers and around 79.5-cubic-feet of luggage and storage space. The fuel economy is reasonable offering as much as 27mpg while driving on the highway.

Nissan Rogue 2019

One of the lowest priced models highlighted in this article, the Nissan Rogue 2019 model is a truly compact SUV that will fulfil most of your needs and wants from a car. It really is incredibly versatile. Given that it’s smaller and cheaper, there’s only space for up to five passengers. However, there’s still a rather generous 70-cubic-feet of luggage and storage space and given that it does 33mph driving on the highway, this vehicle would be a fine investment in the long run.

Nissan Kicks 2019

What if you’ve not got a family, but do a lot of travelling as a singleton or couple? The Nissan Kicks 2019 model is a sub-compact crossover that you should give serious consideration to. There’s still enough space for as many as five passengers. What may really attract you to this model though is its price tag and the fact that it’s capable of doing around 36mph on the highway. The fact that it has enough space for around 32.3-cubic-feet or luggage and cargo, is just the cherry on a very metallic cake.

Nissan Armada 2019

However, if you’ve got a sizeable budget to play around with and bigger family or just spend a lot of your time travelling with friends and family, give some thought to the rather awesome Nissan Armada 2019. Armada by name and by nature as this car is a full-sized SUV that will suit mid-sized to larger families who need a lot of space. Ignore for the moment its fuel economy of just 19mpg and consider the fact that there’s room for as many as eight passengers.

Add to that the fact that you can store up to 95.4-cubic-feet of luggage, equipment and whatever you want to take with you, wherever you go, and we think this is a bit of a winner.

As you can see, there’s something for just about everyone when you choose to go Nissan for an SUV.

Reasons to Consider Cowboy Hardware for Children’s Western Wear

In the past, men and women looking for cowboy and western-style clothing have had no problem finding a wide range of outfits and accessories available. The same could not be said of children. Many of the top brands in the industry still only offer a limited range of western clothing suitable for smaller sizes. That was until a wide variety of kids western wear became available from Cowboy Hardware.

If you are looking for high-quality western clothing for your kids, whether you have a ranch, a smallholding or your little ones just love the style of the Wild West, there are many great reasons why you should consider Cowboy Hardware. In the following post we are going to look at some of them.

Clothing with a Lot of Character and Style

One of the most crucial things with western clothing is that children like to wear it, not just because they have to (although if they help you out on the ranch or with your cattle, it makes sense to dress the part too), but because they are trying to emulate their parents and their heroes. That is why the style and character of the designs must shine right through. That’s what you get from Cowboy Hardware rugged and durable clothing that has been designed and produced with a lot of attention to detail.

Western Clothing That Actually Fits Your Little Ones

A major bug bare, for quite a lot of parents is that when it comes to buying junior his or her new western clothes, finding that the sizes are too small or too big for them. You then have the problem of trying to decide whether you should buy in advance, without knowing if they’re tastes are going to stay the same or buying a larger size and then tinkering and tailoring them to fit.

But if the latter is the case, why would you go to all that bother paying out brand-new prices for something that’s going to be altered anyway? That is why so many families tend to kit their kids out with hand-me-downs, either from their children’s older siblings or friends and relatives or even through eBay or other online platforms.

That then leads to a lot of kids feeling unhappy because they want clothes that appeal to them and don’t share the same taste as their siblings or friends. By opting for Cowboy Hardware however, you’ll find that there’s a full range of clothes in various sizes, so you’ll have no trouble finding items that fit your little one well.

Got a Small Small Child?

Even if you have a small child or infant, Cowboy Hardware still deliver where many other western clothes and accessories shops don’t. Infants are often forgotten about and therefore it can be s struggle to find anything that is small enough. That’s not the case with their great range, as all ages, styles and needs are catered for. It means that now all the family can get high-quality western clothing and accessories that are not just reliable and practical, but that look great too.

Benefits of Investing in a Professional Pressure Washing Service for Your Home

It’s that time of the year again and we are heading out of the cold and wintry months, when we turn our attentions to spring cleaning and sorting our homes out to continue the year with them a bit more ship shape. Although you will want to save as much money as you can by taking on as much of the work yourself as you possibly can, there are benefits to spring cleaning with a pressure washing service. In the following post we will look at some of these great benefits.

You Don’t Have to Buy a Pressure Washer Yourself

By hiring a professional cleaning team to help with the bigger cleaning areas, it means you do not have to invest in your own pressure washer, whether it’s by buying or renting. Companies that offer large surface area cleaning use their own equipment and as they are a professional team, they will normally have access to more powerful and effective models than are available domestically.

Pressure Washers Can Be Used to Clean Your Windows

Windows, particularly those on upper levels of your property, can be a bit of a nightmare to clean. When you hire a professional team however, especially one that use pressure washers, it means you don’t have to. Furthermore, it means that your windows will come up sparkling and looking as good as new.

Increase the Value of Your Property

If you own your property and are looking to sell up at some point in the future, the curb appeal of your home is very important. One of the ways you can really make a difference to your curb appeal is by cleaning the outside of the property. Even brickwork and things like your decking and concrete around your home may appear clean, but on closer inspection and with the use of a pressure cleaner, you will notice the difference.

Eco-Friendly

Generally, when most people think about deep and thorough cleaning, they think about the use of harsh and toxic chemicals. And these chemicals are not very kind on the environment. Therefore, if you are trying to live a bit of a greener lifestyle and be more contentious of the damage you might be causing the natural world.

Pressure washing though, does not require strong chemicals to clean. You normally load up a pressure washer with some water, a little detergent and use the strength of the pressurised spray to clean with and it really works a charm.

Time and Money Saving

We have already pointed out the benefit of not having to invest in your own pressure washer, but there is even more to it. Not having to deal with scheduling time for you or someone in your household to do the cleaning, means that your day to day activities don’t necessarily have to change much. Furthermore, because you are not spending money on a pressure washer that you might not use too often, so you save a little and who doesn’t like to save some money from time to time.

Benefits of Investing in Professional Carpet Cleaning Services

There is really nothing quite like giving your carpets a deep and thorough clean. Even if you think your carpeted flooring looks fine, you may be surprised at just what comes up when you do a little more than just vacuuming it.

As there are many different at-home carpet cleaners, you may be tempted to invest in a carpet cleaner and do the job yourself. The newer machines on the market are more user-friendly and efficient, so they can do a good enough job. However, you need to think carefully about whether you have the time, inclination, investment or space available for doing it yourself.

You need to also think about the fact that there are some great benefits you can experience if you leave your carpet cleaning to a professional team. In the following post, that is exactly what we are going to discuss – the benefits of investing in carpet cleaning NYC.

Spotless and Stain-free Carpets

Primarily, whether you do the job yourself or you hire professionals, you want your carpets to be cleaned to a high standard. When carpets are first installed, they look immaculate and smell, well, of nothing undesirable. Over time and use, naturally, stains and dirt affect how it looks, feels and smells.

One of the most obvious benefits is that when you go with professional and hire them to clean your carpets you get superior results. Stains vanish, all that ingrained dirt is lifted and your carpets will have a very ‘like new’ look, feel and smell.

Saves you Money and Time

Taking on the task of cleaning your carpets thoroughly takes a lot of time out of your busy schedule, not to mention the cost of hiring or buying an appropriate carpet cleaner and the cleaning solution required for it. When you hire a professional though, you can avoid the high cost and because the cleaners handle this kind of work all the time, they will be able to clean your carpets in less time, knowing how to do it most effectively and efficiently.

Prolongs Carpets Lifespan

One of the best ways to keep anything in good condition for as long as possible, is through regular cleaning and maintenance. Carpets are no different. Professional carpet cleaners know the right treatments and methods to use for your specific carpets to ensure they help them to stay in good condition and last for as long as possible.

Peace of Mind

When you leave it to the professionals, not only do you save yourself money and time, as highlighted further up the page, but you allow yourself the chance of having some peace of mind. You don’t have to worry about how dirty or smelly or stained your carpets are, because after the experts are in, they won’t be. That means you can go back to just coming home from work at the end of the day or when you wake up at the start and can just enjoy your carpet again.

How to Keep Your Carpets Clean – Even With Kids and Pets!

Carpets are not just there for protection, but also for decoration. A room is empty without a carpet, and whether you prefer plain or patterned, you will have your own personal preference as to what makes your room perfect.

The sheer choice of carpets means there is something for everyone, but remember this: carpets in certain rooms – those most used such as the lounge, bedrooms and don’t forget the stairs – will take a lot of wear and tear over the years. If you have a family, this is even more important to remember. That’s why we recommend you buy the best you can.

Then, there’s the problem with keeping your carpets clean. Of course, a regular going-over with your vacuum cleaner will keep your carpets looking decent, but over time you will certainly notice they become duller. This is because they are constantly taking in dirt from your shoes, and especially from the kids coming in and out of the garden. Pets will also contribute, so what can you do?

Professional or DIY?

Cleaning your carpets every now and then is the answer, and by that we mean with machinery that uses the right chemicals, techniques and machinery. The truth is that vacuuming will remove a good proportion of the dirt particles that are in your carpets, but will also leave plenty behind. These are the bits you need to get rid of via the cleaning process.

You can hire a machine to do the job, or you may have a carpet cleaner, but why not consider using a professional carpet cleaning service? Let’s be honest, a professional with experience, knowledge and proven track record is going to do a better job than you are, and you may find it is not as expensive as you believe.

Furthermore, professional cleaning will help your carpets last longer, and give them back that fresh look you are striving for. If you live in or around the town, for professional carpet cleaning Warrington services you should talk to Warrington Carpet Cleaners, who have been in the business for many years, and who have many satisfied customers.

Full Range of Options

As experts in the field, Warrington Carpet Cleaners understand which routine should be used for different types of carpet; they have all the right knowledge and equipment to be able to determine the best cleaning system for every type. They will make sure your carpets are thoroughly cleaned and, will do so with a professional and courteous service every time.

The beauty of using a professional is that they will perform a far more thorough job than you will if you use DIY processes, and they will also know which chemicals and products not to use on certain types of carpet. You will see the colours come back to life, and you will wonder why you did not do this before! Why not get in touch with Warrington Carpet Cleaners, and one of their team will be only too happy to help.

UK MEDICAL NEGLIGENCE COMPENSATION

 

 

Medical negligence compensation is payable as a result of the failure of a health care provider to treat and care for a patient with a reasonable degree of skill and care which results in injury. If a healthcare professional was careless, lacked proper skills or disregarded established rules there may be a liability to pay damages.

Damages are intended to put the injured party back into the position that they would have been in if the accident had not happened. Money can never compensate for physical injury or death however the main items of compensation are as follows;

Special Damages

Special damages are items of loss which can be calculated accurately and are usually proved by production of receipts or estimates. Future anticipated losses can also be claimed. Interest which runs from the date of the accident is applied to the final award. These losses may include ;

loss of earnings

assistance for household chores

care and assistance

general expenses

medical costs

traveling expenses

prescription charges

aids and equipment

adapted accommodation and transport

General Damages

General damages represent items which cannot be calculated precisely and usually have to be assessed. The main item of general damages is usually the compensation for the injury itself including pain and suffering. Damages for pain and suffering are normally established following review of medical reports obtained specially for the purpose and thereafter considering the guidelines set out by ‘The Judicial Studies Board’ and previous awards of compensation made in earlier cases. Other items in this category include loss of the enjoyment of life, disadvantage on the open labour market, loss of congenial employment if a less than satisfactory new job must be taken and any loss or change of lifestyle compared to that which was previously enjoyed. Interest which can be claimed on general damages awards runs from the date of service of legal proceedings.

Medical Negligence Solicitors

Specialist lawyers will focus entirely on your needs by providing vigorous expert representation to ensure that you receive maximum damages for your claim. Solicitors are able to arrange home or hospital visits and medical examinations and urgent private treatment can be undertaken at short notice, to assist recovery, with some of the most eminent medical consultants. It is important that a qualified person is involved from the very start of your claim to ensure that you obtain fair and reasonable compensation. Medical negligence lawyers are able to deal with a wide range of claims including spinal injury and brain damage.

Specialist personal injury solicitors offer an independent, professional service with unique consumer protection:

Compulsory professional indemnity insurance.

Independent complaints handling machinery.

Independence, integrity and confidentiality guaranteed by professional rules.

Training and entry to the profession takes a minimum of six years.

Everyone practicing law must keep up to date through a program of continuing education.

Entry into the profession requires that all new lawyers are fit and proper persons and have undergone the relevant training.

A practicing certificate must be obtained annually which guarantees proper qualification and compliance with professional rules.

An annual contribution to the Compensation Fund is necessary which ensures that in the unlikely event of dishonesty the public will not suffer financially.

Upgrade Your Canon Camera This Christmas

Treat yourself to the perfect Christmas gift

If your canon camera has reached the end of its useful life, treat yourself this Christmas and upgrade to a new model that better meets your needs.

At Christmas time, we’re all busy running around trying to find the perfect gifts for our nearest and dearest. But while the focus may be on giving to others, that doesn’t mean that you can’t also treat yourself. If your Canon camera is no longer cutting the mustard, why not give your hobby a new lease of life this festive season, and upgrade to a new and better model.

Time to upgrade?

There are a number of reasons why you might want to upgrade your Canon camera. A key reason could be to breathe new life into your photography. If you’ve recently found that your enthusiasm and inspiration are waning, your equipment could be to blame. Upgrading your current camera to a model with more features and technical capabilities could help to breathe new life into your photography, helping to regenerate your interest and spark your creativity.

Similarly, you may want to replace your camera if you feel that your current equipment is holding you back from achieving your full potential as a photographer. For a novice photographer, a fairly basic point and shoot DSLR may well suffice, but as your abilities improve you will need a more advanced model that can keep pace with your development, with an array of useful features such as, better low-light performance, an increased pixel count, and faster shooting times.

Last but not least, you may want to replace your camera if your current model is simply coming to the end of its life. A camera that is past its best will negatively affect the quality of your photographs – and that’s the last thing you want at Christmas, when there’s a photo opportunity around every corner.

Choosing the right camera

So, you’ve decided to take the plunge and upgrade your Canon camera – but how do you decide which camera is the right one for you?

It’s easy to be tempted by a camera with an array of flashy features, but if you’re never going to use half of them, it will turn out to be a bad investment. Before you start shopping, think carefully about what you want to achieve with your new camera and what features will enable you to do this. For example, high shutter speeds are great for wildlife and sport photography, whereas travel photographers are better served by a camera that is small and lightweight. Understanding your needs from the very beginning will enable you to put together a focused shopping list of potential cameras that will meet your needs.

Another thing to consider is how much you want to spend – set yourself a budget and do your best to stick to it. New cameras, particularly the high-end models, can be very expensive, so you may want to consider checking out a reputable second-hand camera dealer to see if you can snag yourself a bargain. You could even make some money by using a dealer to sell used canon camera equipment that you no longer have a use for. The money you make can then go towards your new purchase, so it’s a win-win situation.

Which brand to go for is also an important consideration. Canon has a great range of cameras for all levels and abilities, from professional-grade all-rounders such as the EOS 5D to lightweight, go-anywhere beginner models such as the Canon EOS 200D. However, don’t feel like you have to stick with one brand. Brands such as Sony, Nikon and Panasonic (to name just a few) also have some great products, so do your homework before making a commitment.

From snowy scenes to candid snaps of loved ones opening presents, the festive period offers fantastic photo opportunities for keen photographers. And with an upgraded camera, you can capture quality images at Christmas and all year round.

Email Marketing: What You Need to Know to Get Started

 

Getting started with email marketing is easier than you might think. Having said that, there are some things that you need to consider. Handing out effective emails is a bit more of an involved process than just coming up with a headline and a decent text. Even if your email is just a one-liner, there should be a lot of thoughts into every aspect of the process. Keep reading to find out more about getting started!

Gathering subscribes in ethical ways.

One of the most difficult things is getting more people to subscribe to your email list. You can start with your customers and social circle. This is usually the best way to give an initial kick to your email list. Refrain from the temptation of scouring for emails on random sources on the web. This is usually a sure-fire recipe to fill your inbox with junk and upset people who did not sign up for your email list, to begin with! As with many marketing processes, you can’t expect to grow your subscribes or mailing list overnight. It can be a long and daunting project, but you will certainly reap the benefits if you are willing to work smart and hard every day. Working hard doesn’t mean that you need to sweat long hours on your email marketing strategies. It’s really all about making sure that you tick all the right boxes, and do a certain amount of work consistently, every day.

Focus on the quality of your content.

Many people have an old-fashioned view of what email marketing should be. They might think that it’s all about selling their services and riling up people, so they click on their links or visit their websites. Although the aim is still the same, it’s not as simple as asking people to click on a link. Most emails receive 10 to 20 marketing emails a day. Most of them advertising something. How do you stand out? Offer valuable content. If you present yourself through great content, your exposure can grow in a more meaningful way. Try to come up with short, yet effective emails, with content that your readers actually care about. If you give them something more than just ads, people will be willing to keep receiving and reading your emails. Conversely, if you only push products and advertise sales all the time, you might turn off your readers. Blogging is a good way to come up with great content for your subscribers. Treat them to quality articles, video, and other media! They will thank you by supporting your business. This isn’t solely a great way to enhance your following. It is also a fantastic solution for businesses seeking to improve their branding excellence.

Email marketing software is your friend

It’s tough and unpractical to handle a lot of traffic on your own. For this reason, many professional email marketers use specific software solutions. Products such as EMMA can dramatically improve your workflow and speed up the process. Editing many posts all at once can be a daunting task. Automated solutions offer a much quicker way to process email campaigns and maximize results. This is a cost-effective solution, which will also help you save time in the long run. Be realistic about the results you can expect, and realize that great things take time and solid roots to really blossom!

Conclusions

Getting started with email marketing has its pitfalls. On one hand, it is a pretty straight-forward process. However, it does require dedication and effort. If you are willing to put in the work, you will certainly be rewarded in the long run.