Did you know that
if you are married or in a civic partnership you could potentially be
entitled to a £900 tax break ?
if your partner has died since 5 April 2015 you should still
The Marriage Allowance lets you
transfer £1,190 of your Personal allowance to your husband, wife or civil
partner – if they earn more than you.
This reduces their tax by up to
£238 in the tax year (6 April to 5 April the next year).
For you to benefit
as a couple, one of you has to be a non-taxpayer, which
usually means earning less than the £11,850 personal allowance between 6
April 2018 and 5 April 2019 (this was £11,500 for 2017/18, £11,000 for 2016/17
and £10,600 for 2015/16).
If you or your
partner were born before 6 April 1935, you might benefit more as a couple by
applying for Married Couple’s
You cannot get
Marriage Allowance and Married Couple’s Allowance at the same time.
How to apply.
Its relatively straight forward you
can use the on line application form via HMRC. You will need to have both your national
insurance numbers and one of a range of different acceptable forms of ID for
the non-tax payer. If you don’t have access to the web you can telephone 0300
200 3300 and do it over the phone (But be aware you can wait an age to get
through. But persevere if you meet the criteria.)
If your still unsure you meet
the criteria contact the income tax help line for advice and further
I just thought
I would share some info with you it’s just a short, fun blog as part of the occasionalmindfulness seriesI’m creating in 2019.
So,oo at Christmas 2018 I received a gift
of a glass water bottle. in the bottle was what looked like to me, at least, a little
array of pink stones albeit rather pretty stones. Possibly I thought from someone’s
driveway , my driveway ? I wondered.
Of course, I thanked the person who gave me the gift profusely.
But I over-egged the pudding, as they say . And she guessed I did not have a Scooby what it was. So, my niece patiently explained to me, as though I had been living under a rock for the last two years. That this was NO ordinary water bottle no, no way, no how. It was to all intense and purposes a magic bottle. A bottle that if you just add gemstones and water too, it would be filled with good vibes ,that when you drank you would be drinking in ,good vibes. ( metaphorically speaking.) I thought yeah, course it does ..Hmm, then it was my turn to look superior and smile in what I hoped said .Ha who’s the fool girl now.? But actually, it turns out it was still me.
days after Christmas I did some on line research and yay, these bottles are a
thing !! I mean YES there vey “Instagram” just on their own.
For example, My Bottle had rose and amethyst crystals in it. Apparently, Rose Quartz is said to be a love stone which sorts of wraps you up in a warm loving hug improving our emotional health.
Amethyst is said to havean innate energy that helps soothe away the day-to-day stresses that can at times be a part of our daily lives.
It’s also said that in working with the third eye and crown chakras, Amethyst helps your body give into innate desires like sound sleep and relaxation, but it also works with your third eye to balance the mind with insightful solutions to problems. I’ve recently had difficulty ’s sleeping, and with stress, I’ve discovered to my own shock and surprise that these mineral infused bottles do seem to work . I mean are they life changing ? NO … but I’ve found that I do feel more energised, more positive and happier. just more grounded.
This led me to finding out what other minerals can do for you. Below is a very short list explaining what some minerals can do for you.
a few to tempt your appetite.
Citrine is said to be the stone of manifesting abundance and when infused with 24K gold flakes & clear quartz amplifies all that you desire.
Citrine is often given to those wishing to set up a business or embarking on a new life adventure.
LAPIS LAZULI • RUTILATED QUARTZ for inspiration.
In the healing art’s it is thought that this combination of lapis lazuli and rutilated quartz relieves sore throats,allows one to speak with wisdom andauthority, inspires honesty, and helps to lift the feeling of anxiety.
This blend was said to be inspired by the ancient Egyptians. Lapis lazuli was regarded as a symbol for spirituality in ancient Egypt. Choose this gem-water blend if you want to be inspired.
AQUAMARINE • CLEAR QUARTZ
If you’re seeking to harness your inner self, Inner Purity aquamarine could jsut be the perfect gem-water blend for you.
Traditional Naturopathic Uses:
In the healing arts this combination of aquamarine and clear quartz is believed to be cleansing, soothing, calming, and to aid in spiritual growth and inner wisdom . It is also believed by some to help with imbalances of the kidney and bladder and help with allergies.
If this is a
goal then you could …Try ; AQUAMARINE •
SMOKY QUARTZ • CLEAR QUARTZ
It is said
that if you like to follow a detox regime then by adding SMOKY QUARTZ • CLEAR QUARTZ to your water it
can offer a greater dimension to your detox. Resulting in clearer, glowing skin.
The above blends are said to harness clarity and fluidity and mindfulness.
The Pistachio opal
This soothing green stone is thought to have a strong rejuvenating quality. It’s believed to open your heart chakra. Making you more intuitive to the needs of those you love and care find.
Pistachio opal is a believed by some to be vital in finding an inner state of joy and attracts love towards you. ( I will say I did find this gemstone difficult to source.)
This bright, sunny stone just seems to radiate warmth and happiness. Considered to help you feel more positive. Helping you to connect to those around you. This stone like rose quartz is often referred to as a love stone because its said to give courage to open up to others.
They say the key to confidence is vitality, energy, and focus. Emerald is said to help make all this happen . By helping you shed negativity ,and embrace love, from yourself and others, and strengthen your connection to the divine. This powerful stone can be a balm for any confidence issues you’re struggling with.
I’ve learned that when it comes to choosing your own mix of gemstones you can often feel a strong pull to a particulr gemstone. When this happens, you may have found the gemstone you require. Disclaimer : I’m not an expertin
these things and the opinions written are
just my thoughts . I would say categorically that one should never use crystal
infused water in place of any medical advice or to self-treat any medical issues
Hi Savvy readers. One of my followers, the lovely Gill Brodin mentioned to me, that my readers may be interested in hearing about the Menzo card. I’ve heard a little about them, but to be honest, they never really came into my radar.
However Gill is right, they are quite an interesting bank. Therefore in case, you may also be interested I’ve written a quick review blog on them. Trust me I’m no expert so please go there website for full info and terms before you open an account .
It would seem that with the rise of mobile payments systems
such as Apple pay and Android pay. We are also beginning to see new smart
banking solutions. Enter Monzo. This little card is more then a pretty orange
card, that looks somewhat like a designer
store loyalty card . No it offers way more for example.
Monzo is considered by some as the poster child for digital
banking. And it does seem ideal for the smartphone user . ( I’ve also heard
Monzo has been dubbed rather unflatteringly “ as the go to bank for
So What is Monzo?
Put simply Monzo is a smart bank for the smartphone
generation, so no longer any need to stand in line at the bank or building
society in your precious lunch
hour. No.. it all revolves around the
Monzo is on record as saying it is : “Focussed on building the best current account in the world and ultimately working with a range of other providers so that Mondo can be an intelligent hub for your entire financial life.”
A big claim ? Jurys still out on that I’m afraid.
Monzo say that users of the Monzo cards have spent more than £20m in over 130 countries since its launch.
The Monzo card is a MasterCard debit card. Monzo previously only issued pre-paid cards, but now it’s a fully-fledged kiss ass. bank and users get accounts, with sort codes and support for direct debits and standing orders.
In addition to the orange card you get an APP, which can be used for paying money into the account, However perhaps more usefully it will also instantly update your balance, provide handy notifications (including why a transaction was declined!! ) another good feature of the APP is that it can provide instant notifications when transactions are made. Which can be a helpful feature, especially to those are often left wondering where all their money went at the end of each month … (Yeah that would be me too. ) when you can see what your purchasing, it can help you to be more mindful to what you are spending more money on. There’s also a great feature where if you have the card, you can request money from people who don’t have the app its called monzo.me . its a way to split bills and pay someone even if you don’t have or want Monzo
As time passes
are skins can lose its luminosity and inner glow. It’s only natural that as
times passes our skins can become dryer. Factors such as menopause, stress and plain
old heredity all play their parts.
As the skins production of sebum begins to slow down, It causes our skins to become dryer. skins can have a grey hue and skin can appear papery and lined.
Suddenly your left wondering what could have been so amusing to have made all those “Laughter lines appear around your eyes?”
ENOUGH !!!!It’s time to strike back .. “But How ?” I hear you ask …
Well with the some of the best foundations on the market for mature and or very dry skin. Mature skin is really classed as anyone over the age of 35 (According to dermatologists at least. ) Ouch !!
So I will start with the drug store first , finishing with the more expensive.
L’Oreal Paris Infallible Pro-Glow Foundation.
currently only available on Amazon.
This Pro-Glow Foundation is said to provide 24-hour wear with a hydrating glow. Lightweight and creamy. I’ve found this foundation is light weight if not a little watery. It has a medium buildable coverage. It does provide a nice glow to the skin. It comfortable to wear. doesn’t oxide. (Well at least on my skin.) Beauty bloggers are comparing this to “Lancome’s Teint Idole ultra.” but as I’ve not yet tried that product, I cannot comment.
Flower Beauty Light Illusion Foundation. By Drew Barrymore.Currently in Superdrug.
This is a new kid on the block. Its coverage is medium and long lasting on my normal to dry skin at least. It gives a nice satin luminous, glow to the skin.
L’Oreal Paris Nutri Lift Foundation . Available in most drug stores and supermarkets .
L’Oreal Paris Nutri Lift provides
all-over coverage with anti-aging benefits. It said to reduce the look of fine
lines, pores, and redness.
This is my drugstore go to on a daily bias. I personally find it’s a cooling and hydrating foundation. I find it does reduce the look of fine lines. Its light and breathable on the skin and long lasting. it does not oxide on my skin type.
Clarins Extra-Comfort Foundation SPF 15.
“Clarins describe this foundation as
a foundation for mature skin with a rich anti-ageing formula that moisturises
and nourishes the skin.
The Global Age-Defying Complex smoothes away lines and wrinkles, whilst Argan oil will leave the skin supple and with a gorgeous, youthful glow.
I’ve found this foundation to a joy to use. It moisturises the skin and does help blur lines on my skin. Although at times it has oxidised a little around the chin and nostrils. (however, friends who have dry to very dry skins. have said this has not been an issue with their skins. So maybe it’s best for dry to very dry Mature skins. )
Clinique say this foundation is; Designed to soften
fine lines and wrinkles over time, this clever foundation works like an
anti-ageing treatment the more you apply it. With a natural, dewy finish, it
protects against harmful UV rays whilst also boosting the skin’s natural
collagen production, to make the skin look even younger.
I’m not sure, if I agree personally the above informan. Does it soften fine lines and wrinkles over time? Jurys still out to lunch on that one.
Do I like the foundation ?Hell yes . It’s creamy, goes on like a dream. Long lasting with a lovey light dewy finish. whats not to like.??
Diorskin Forever Foundation SPF35
Dior say ; DIOR
forever has ; LONGWEAR 16-hour* perfection from morning to night. A luminous
matte finish, flawless correction and exceptional comfort, in all conditions.
Day after day, the
skin’s texture appears refined by the new formula enriched with the Poreless
Effect skincare essence.
This was my January Payday treat to myself . I can
honestly tell you I’m in love with this foundation.
It does provide a flawless matte finish . (A Perfect back drop to your chosen highlighters) its long-lasting breathable foundation. I’ve had so many compliments about my skin when I wear this.
Yes it more than I would normally pay for a foundation but I believe its worth it.
All opinions given in this article are my own personal view . This article is not sponsored.
Are you a carer for an elderly relative living alone? Do you find that you are worried about how they will manage in the future? Then your problerley not alone, there are an estimated 6.5 million carers in the UK.
Of course being a carer can mean different things to different people. Sometimes it can be something as simple as a regular telephone call for a chat and catch up. Or it could be doing the a weekly shop . Or perhaps you’ve noticed that your parents are staring to get a bit forgetful and you are looking at ways to support them, so they can live more independently in there own homes. Continue reading “Support for aging parents and loved ones.”
Stress is normal part of every day life, but for those who live with an anxiety disorder , you can often feel very alone. Anxiety can be overwhelming at times can often have a debilitating impact on our daily lives.
What Will YOU Accomplish?
The shop your Freezer challenge will have several purposes.
• It will encourage you to spend very little / no money on frozen groceries.
• Hopefully you will save money by shopping the foods already in your own freezer.
• You can use the contents of your freezer to make delicious meals.
• If you have already cooked meals and placed them in the freezer for “Mid week” you can actually eat the meals.
• You should dramatically reduce waste and save money.
I decided to “test run” exfoliating pads. I’ve long been a fan of Nip + Fab Glycolic Fix Exfoliating Facial pads. However they can be a tad pricey ,depending on if they are on offer or not. So I was pleasantly surprised to see that Primark had “Skin perfecting resurfacing pads”. So in the name of Savvy shopping, I decided I would do a little personal comparison.
I’m not gonna lie, Some of the things I do to make, extra money can take time.
But the info I share below, have all earned there place in my arsenal and they are my “Go to.” Have a look and see how they could work for you.
No surprise here. However, that said, it’s one of my constant earners. I source from Charity shop’s, my own wardrobe and home. Auctions (Check out some of my Auction pages for my finds.)
It’s surprising, how others can love what you’ve grown tired off.lifestyl