As is customary for bloggers at this time of year, here are the top posts on Pounds and Sense in 2018, based on comments, page-views and social media shares. They are in no particular order. I have excluded any posts that are no longer relevant.
I hope you will enjoy revisiting these posts, or seeing them for the first time if you are new to PAS. Don’t forget, you can always subscribe using the box on the right to be notified of new posts as soon as they appear.
Just wanted to take this opportunity to wish all my readers a happy and peaceful Christmas, and a fulfilling and prosperous new year.
Pounds and Sense was launched in December 2016, so it has been going for two years now. Thank you to everyone who has visited the blog during this time, and especially to all those people who have commented on my posts and/or signed up to be notified of new ones. You can do that by entering your name and email address in the ‘Subscribe’ box on the right (hint, hint!).
I hope you have found at least some of my posts of value, and they have helped you to save money and make money in these financially uncertain times. If you have any comments or suggestions for topics I ought to cover in the coming months, please do leave a comment below or contact me directly. The same applies if you would like to guest post on the blog or work with me on sponsored posts or promotions.
I’ll be back with more advice, tips and information (and biscuits!) soon, but for now I hope you and your family have a wonderful festive season. I’ll leave you with one of my all-time favourite Christmas songs, by Greg Lake.
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In this post last week I set out a contest/giveaway to win a packet of the brand new Bahlsen Choco Moments biscuits. To enter, you simply had to add a comment on the post in question. I then proposed to pick a winner at random.
Unfortunately I made a bit of a hash of this. I temporarily forgot that the deadline was at midnight on Tuesday 4 December, and to compound this I was out most of the day yesterday. So I didn’t put an announcement of the contest ending or switch off comments on the post (which I have now done).
What’s more, there was a rush of people entering yesterday – I assume details may have been shared on a high-traffic competitions site or some such. Even though they were technically too late to enter, I felt bad about disqualifying them all, especially as I hadn’t made clear on the blog that the contest was closed (although the Tuesday midnight deadline was clearly stated in the post).
So to try to be fair to everyone, I decided that rather than have a single prize, I would have two. The first was just for the 9 people who entered before the original deadline, and the second was for everyone who entered until comments were closed yesterday (including the original nine, who thus got two chances to win). I hope that will seem fair to everyone.
I used the random number generator at Random.org to pick the winners of both draws, so here they are:
First 9 draw – Mrs Elizabeth Sumner
Whole 26 draw – Helen B.
Please could the winners contact me privately via my Contact Me page and let me know their full postal name and address and also whether they would prefer the mint or hazelnut flavour. I will then arrange for their biscuits to be sent to them.
Thank you to everyone who entered, and commiserations to everyone who didn’t win this time. You can, of course, buy delicious Bahlsen Choco Moments biscuits via all good grocers and supermarkets and online stores such as Amazon.
Apologies again also for the confusion over the deadline. In my defence, this is the first giveaway of this type I have conducted on Pounds and Sense, and I will learn from it and try to do better next time!
And finally, thanks again to Bahlsen Biscuits for sponsoring this contest.
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As a bit of fun today, I am running a giveaway for some delicious Bahlsen biscuits. This is (of course) a sponsored post.
Everybody knows the festive season is the season of indulgence when every home and office is well-stocked with tasty treats and guilt-free pleasures. It’s a chance to treat those you love to something they’ll really enjoy and can nibble on all season long.
The brand new Bahlsen Choco Moments are the ultimate treats for Christmas, the perfect way to spread joy to friends and family during the festive season.
Choco Moments from Bahlsen – the experts in chocolate biscuits – are the perfect accompaniment to festive gatherings and cosy nights in. With a thick, luxurious coating of rich chocolate with crisp, satisfying crunch, drenched over buttery biscuit, they are the perfect melt-in-your-mouth treat, and come in two delicious flavours that will fight for space in your biscuit tin.
Choco Moments Crunchy Hazelnut combines smooth, creamy milk chocolate with warm hazelnut tones that are mouth-wateringly moreish, while Choco Moments Crunchy Mint perfectly balances the deep notes of dark chocolate with lively and refreshing mint.
So prepare to spread the Christmas joy and treat your loved ones to a seriously Choco Moment – the perfect moment to unwrap this festive season.
*** To be in with a chance of winning a pack of Choco Moments Crunchy Hazelnut or Crunchy Mint – your choice! – just leave a comment below by midnight on Tuesday 4 December 2018 saying why you love Bahlsen biscuits. I will pick a winner at random on Wednesday 5 December and arrange to send them the biscuits. Even if you don’t win, you can of course pick up Bahlsen Choco Moments biscuits from all good supermarkets and grocery shops and online stores including Amazon. The winner will be revealed here and via the Pounds & Sense Twitter and Facebook pages by Thursday 6 December 2018. UK residents only, I’m afraid. ***
Good luck, and let the season of indulgence begin!
Disclosure: as stated above, this is a sponsored post. I am receiving some delicious Bahlsen Choco Moments biscuits as a thank-you for posting it 😀
Right now the UK is sweltering in a summer heatwave that shows no sign of ending any time soon.
Many people are enjoying the warm sun, but when it goes on for days/weeks on end it can become tiring and debilitating. And for older people and those with chronic health conditions especially, it can be extremely uncomfortable and have a harmful effect on health. Heat exhaustion and (especially) heat stroke are potentially very serious conditions.
So today I thought I’d share some tips on keeping cool and healthy in the heat. I also asked some of my fellow UK bloggers for their top tips as well, so I’ll be sharing them here too.
I’ll start with my own tips, though…
1. Drink plenty of fluids, preferably water. It’s a well-known fact that in older people the sense of thirst doesn’t always work so well and it’s easy to get dehydrated without realising it. Aim to top up your fluids regularly, and have a bottle, jug or at least a glass of water beside you at all times.
2. Sprinkle water over your skin and/or clothes to help stay cool.
3. In the hot weather, fans can be lifesavers. There are plenty of different models on sale in shops and supermarkets and online stores such as Amazon. If you can, get one with variable speeds, so you can adjust it according to conditions. You can even get fans with remote controls, like this one:
4. If you work at a computer, consider buying a USB fan. I bought one for just £4 from my local Morrisons and it is keeping me cool while I write this blog post! They are also available very cheaply on Amazon – like the one below, for example.
5. Air conditioning is wonderful in this weather. But in the UK few people have it in their homes, as it’s bulky, expensive to buy and run, and would only be useful occasionally. A cheap and cheerful alternative is to freeze bottles of water (plastic not glass) and put them in front of a fan – this will help cool the air passing through. You can also buy personal air coolers such as the one below which work on the same principle. They are cheap enough, although not having tried one I can’t vouch for how effective they would be!
6. Shut windows and draw the curtains or blinds when it is hotter outside. This will help keep hot air and radiant heat from the sun out. You can open the windows for ventilation when it is cooler.
7. Check up regularly on friends, relatives and neighbours who may be less able to look after themselves.
More Cool Tips!
As mentioned above, I also asked some of my UK blogging colleagues for their tips and ideas. Here is a selection. I have put my own comments in italics after them where relevant.
That’s a great idea! I found a similar one on Amazon (see image link below).
Laura Dempster from Thrifty Londoner wrote: “I like to keep hydrated in the hot weather (like we all do!). If I’m going out and about sometimes I will put a water bottle in the freezer overnight. Since it’s so hot, as soon as I go outside the ice begins to melt and it means my drink stays that little bit cooler for longer.”
That’s a nice, easy tip! Just be sure to use plastic bottles rather than glass.
Nicola Kaye from Mum on a Budget wrote: “I have filled up an empty spray bottle with a mixture of water and Aloe Vera gel (shake well) – I have been spraying it on my face and neck a few times a day, it is really cooling.
Yep, great idea. It would of course work with plain water too.
Mel Trudgett of Mel’s Money Mindset commented: “When I was in my early 20s I went to Spain in the middle of August and stayed in a cheap hotel with no air-con! It was well over 45 degrees in our room overnight. I found that the only thing that helped me was putting a cold, damp cloth on my feet and one on my head. This really helped to cool me down and I was able to sleep. I still do this if my daughter has a fever. I also run cold water on my wrists (or put a frozen bottle of water on them) and that cools me down very quickly.
Claudia Vogt from Retro Claude said: “It makes your house look like a squatter’s den, but if you tape the reflective blankets that athletes use at the end of races to your windows it really helps to keep the heat out. They are only about £3 from Amazon. I know lots of mums do this with babies’ bedrooms in the heat.
Here’s an image link to the sort of thing Claudia means (I assume) on Amazon.
Victoria Elizabeth Currell of Our Life on Sea said: “I keep my blinds drawn upstairs and the windows only open a fraction during the day in the heat. Then as soon as it gets a little cooler in the evening I open my windows wide. This way it keeps the hot air out during the day and allows the cooler air in for the evening. I’ve started that this year and it has totally changed the temperature of the upstairs of my house.”
Michelle Rice of Utterly Scrummy Food for Families wrote: “I put four wet face cloths in a bag in the freezer for my children to cool down after school. I also freeze their water bottles for packed lunches.”
Natalie Ray of Plutonium Sox suggested “Open water swimming! I swim in the river every Monday morning. Great for cooling down and the perfect way to start the week. It’s free too!
Appealing as it sounds, open water swimming probably isn’t for everyone, but even swimming in a pool can be a great way to cool down. I belong to the Virgin Active club in Lichfield which has both indoor and outdoor pools. I make as much use as I can of the latter!
Jane Hanson of Lady Janey wrote: “Drink lots of tea! Scientific studies have shown that hot beverages can actually cool you down on a hot day.”
I do like a nice cup of tea 🙂 The science behind this is described in this article on the Huffington Post site. Apparently it works by making you lose more heat through sweating. This won’t work so well on muggy, humid days, though.
Amanda Shortman of The Family Patch offered two suggestions: “(1) Cool down the pulse points (wrists, neck, etc) by either running under water or using a cool pack. I find this cools me down far more effectively than anything else. And (2) drink things like coconut water to try and help keep a good balance of electrolytes. I have only just started this, but I am already finding that it helps reduce some of the more extreme fatigue and dizziness I experience in this heat as opposed to simply drinking water all day. I get the small 330ml cartons and have one of those a day along with plenty of water.”
Lynn James who blogs as Mrs Mummypenny said: “Get a diddy paddling pool (we were sent a foldaway one from Aldi and it’s perfect) and cool your feet down in it. If your feet are cool the rest of your body will cool down as well. Drinks tons of water, and I mean three litres a day. Hydration is so important in this weather
Sue Foster from Suefoster.info wrote: “When I can’t sleep at night I wet a towel and wring it out, then lay it over me. This cools the body down, so I can get some sleep.”
Thanks to everyone who contributed suggestions, and apologies to those whose tips I wasn’t able to use, mainly because they were too similar to others listed.
As always, feel free to leave any comments or questions below. And of course, if you have any other suggestions for keeping cool in the heat, please do post them also.
Disclosure: This article includes affiliate links to some Amazon products. If you click through these and make a purchase, I will receive a small commission. This will not affect the price you are charged by Amazon in any way.
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I’ve discussed matched betting a few times on this blog. To recap, it’s a way of making risk-free (and tax-free) cash by taking advantage of bookmaker special offers and promotions.
The summer is typically a quiet time for matched betting, but come next month all that is going to change. I am, of course, talking about the World Cup in Russia, which kicks off on June 14, 2018.
To be clear, you don’t have to be a big football fan to look forward to this. No, the reason to anticipate the World Cup so keenly is the host of money-making opportunities it will present for matched bettors.
For one thing, the bookies will be pulling out all the stops to attract new clients and get current and former clients back onside. I expect to see a torrent of offers on the World Cup in the next few weeks, followed by many more during the month the tournament is running. All of this gives the potential to generate substantial risk-free profits by applying matched betting principles.
Finding the best opportunities and calculating the required stakes isn’t easy if you are working alone, especially if time is at a premium. I therefore recommend signing up with my favourite matched betting advisory service, Profit Accumulator. I will talk about this in more detail later on. But let’s start with some tips and advice on making the most of the money-making opportunities the tournament presents…
Preparing for Russia 2018
First and foremost, plan ahead. Once the tournament starts there will be a hectic daily schedule, so arm yourself with a planner (all the main daily and Sunday newspapers will publish one) and do as much preparation as you can beforehand.
If you are already involved in matched betting, or planning to start, one key requirement is to ensure you have as much money as possible in your exchange/s, so you can lay bets as required. My favourite exchange is Smarkets for its low commission fees, but the best-known is (of course) Betfair.
Here are a few more tips for making the most of Russia 2018 with matched betting…
Keep a close eye on your email and SMS, as many good offers are sent by bookmakers this way. Some of the best offers are sent to selected customers only and not advertised on bookie websites or available generally.
It’s also good to check out weekly bet clubs. An example is the Sky Bet Club. This is available every week. If you bet a total of £25.00 across any sport in any market with odds of evens or above before midnight on Sunday, Sky Bet will give you a £5.00 free bet before 7 pm on Monday to use on any sport. By applying matched betting principles you should be able to make a risk-free profit of around £3 from this every week.
Refund offers are popular with bookmakers at the moment and should be good money-makers in the World Cup. These vary but generally involve getting a refund if a certain event or outcome happens, e.g. the crossbar is hit during a game or a match ends as a 0-0 draw. The normal way to play these is to back and lay the relevant market. If the trigger event then occurs you will get your stake refunded by the bookie and also win at the exchange, for a good net profit. If it doesn’t, you will make a (very) small loss.
Price boosts are another easy money maker. If a bookmaker boosts the price of a certain outcome, you may be able to lay it for shorter odds at an exchange and guarantee yourself a net profit.
2 Up (various bookmakers) and 4 Means More (William Hill) are two more good opportunities for football bettors – though they work best if you can bet during the match itself, so you can trade out if in profit. Like refunds, these opportunities don’t always pay out, and if not you will make a small loss. Unlike refunds, however, you can generally do them even if you are gubbed (banned from offers). And there is no maximum stake, so winnings can be substantial. I shan’t go into any more detail in this post, but you can find out more about 2 Up here and 4 Means More here.
If you belong to a matched betting advisory service such as Profit Accumulator, look out for the regular emails they send out with information about offers on the day in question.
More About Profit Accumulator
Profit Accumulator is the marched betting advisory service I use myself and recommend to others. It is suitable both for those brand new to matched betting and for experienced matched bettors.
You can join PA free initially and they will provide details of two bookmaker offers you can take advantage of straight away. These should make you around £45 in net profit. If you wish to proceed further, you can then pay to become a Platinum member and get access to the full range of offers and services. These include an odds-matching tool and calculator for finding profitable bets to use with bookmaker offers and maximizing your returns from them.
A further advantage of joining Profit Accumulator is that you get access to the busy members-only forum, where you can get any questions you may have answered by more experienced members and/or the team behind PA.
If you think matched betting may be for you, I therefore highly recommend that you click through to the Profit Accumulator website to see what they offer and sign up for the free trial. By joining today you will be perfectly placed to take advantage of the flood of bookmaker offers likely to appear in the next few weeks.
As ever, if you have any questions or comments about matched betting or Profit Accumulator, please do post them below.
Disclosure: As well as being a member of Profit Accumulator I am also an affiliate for them. If you join and become a paying member after following any of the links in this post, I will receive a commission for introducing you. This does not affect in any way the cost of the service to you or the benefits you receive.
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Today I wanted to let you know about a free course I have taken myself and highly recommend. It’s running again in July, so there’s plenty of time to sign up.
The course is called Strategies for Successful Ageing. It’s run by Trinity College, Dublin, under the auspices of Futurelearn, a UK-based platform for short online courses from British and international universities. All Futurelearn courses are free (although for optional upgrades a fee is payable) and open to anyone in the world.
Strategies for Successful Ageing will run for five weeks, two hours per week, starting 2 July 2018. If those dates aren’t suitable for you, you can sign up to be notified when it’s running again.
This course is intended for anyone who wants to learn strategies and tips for successful ageing. On the website, it says:
The knowledge that you gain from this free online course will inspire you to choose activities and behaviours that improve your quality of life. Through this course, we hope you will think differently about ageing and recognise the many contributions that older adults make every day.
As a community of learners, we will discuss what you’re doing to maintain your health, increase your wellbeing, maintain friendships and navigate life’s challenges.
Together, we will discover the many opportunities for personal growth and community-building by exploring the skills, talents and dreams of older adults.
As I mentioned earlier, I took this course myself last year and highly recommend it. The course materials (and tutors) are first rate, and include information on the latest research into ageing that challenges the conventional stereotypes.
As well as the teaching, another big attraction of all Futurelearn courses is the opportunity they provide to interact with other students from all over the world. There can be almost as much to learn from them as the course itself! When I took Strategies for Successful Ageing most of my fellow students were in the 50-70 age group, but there were plenty who were older.
I do hope 2018 is a good year for you, and the year you achieve (or at least start to achieve) some of your financial and other ambitions.
Thank you also for visiting my blog. If you haven’t already, I do hope you will sign up to receive notifications when it is updated using the box in the right-hand column.
Pounds and Sense is also on the popular Bloglovin platform. If you are a member of this free service you can get all my latest posts delivered to you with your updates (and updates on any other blogs you follow as well, of course). Just click through this link to sign up.
There is also a daily Paper.li newsletter for Pounds and Sense. This is semi-automated and curates links from a wide range of personal-finance blogs and other resources. I guarantee you will find something of interest in every issue!
Finally, if your interests also extend to writing, you might also like to check out my Entrepreneur Writer blog. I regularly share tips, advice and market information for writers and aspiring writers here. It would be great to see you there as well 🙂
Once again, I wish you a happy, healthy and prosperous new year.
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As is customary for bloggers at this time of year, here are the top posts on Pounds and Sense in 2017, based on comments, page-views and social media shares. They are in no particular order. Obviously, I have excluded any posts that are no longer relevant.
I hope you will enjoy revisiting these posts, or seeing them for the first time if you are new to PAS. Don’t forget, you can always subscribe using the box on the right to be notified of new posts as soon as they appear.
A quick mention too for my other blog Entrepreneur Writer. If you are interested in writing I hope you will check this out if you haven’t already. I look forward to publishing plenty more posts on both blogs in 2018.
If you have any comments or questions, of course, please do feel free to leave them below.
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Just wanted to take this opportunity to wish all my readers a happy and peaceful Christmas, and a fulfilling and prosperous new year.
Pounds and Sense was launched in December 2016, so it has been going for a year now. Thank you to everyone who has visited the blog during this time, and especially to all those people who have commented on my posts and/or signed up to be notified of new ones. You can do that by entering your name and email address in the ‘Subscribe’ box on the right (hint, hint!).
I hope you have found at least some of my posts of value, and they have helped you to save money and make money in these financially uncertain times. If you have any comments or suggestions for topics I ought to cover in the coming months, please do leave a comment below or contact me directly. The same applies if you would like to guest post on the blog or work with me on sponsored posts or promotions.
I’ll be back with more advice, tips and information soon, but for now I hope you have a wonderful festive season. I’ll leave you with this charming ‘Christmas Eve’ video featuring the Trans-Siberian Orchestra. Enjoy!
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Laura Dempster from 
