Tax Break for married couples or those in a civic partnership.


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 qualify.

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 Allowance instead.

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 information.


You may have the moxici but do you have the minerals ?

Hi Savvy readers.

I just thought I would share some info with you it’s just a short,  fun blog as part of the occasional mindfulness series I’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.

rose and amethyst crystals

 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.

Over the 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  have an 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.  

Minerals. Just 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.



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 and authority, 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.



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.)

Orange Calcite

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 or concerns.


What is Monzo bank?

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 Millennials”.)

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 App.

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


The BEST 2019 Foundations for Mature Skin.

The BEST Foundations for Mature Skin.

The BEST Foundations for Mature Skin.

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 Repairwear Laser Focus All-Smooth Makeup. 

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.??  

DIOR 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.


Aldi’s Lacura Glycolic Glow Tonic VS Pixi’s iconic Glow Tonic .luxury

Product Review; Aldi’s  Lacura Glycolic Glow Tonic VS Pixi’s iconic Glow Tonic

Dupe me, baby, one more time?

Let the Dupes begin?

Continue reading “Aldi’s Lacura Glycolic Glow Tonic VS Pixi’s iconic Glow Tonic .luxury”


Review of Becca’s “Be a light” …Not such a shining light. ? glowing skin

A quick review of  Becca’s “Be a light” …Not such a shining light.

Bought this after the seeing reviews on You tube. (Ie, Youtube made me do it. Ha! yeah, that old chestnut. )

Packing it as you would expect from Becca.. lovely. And you can’t help, but pick up on the Hourglass vibes. Continue reading “Review of Becca’s “Be a light” …Not such a shining light. ? glowing skin”


Support for aging parents and loved ones.

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.”


Apps to help with Stress and Anxiety.


Stress is normal part of every day life, but for those who live with an anxiety disorder , you can often feel very aloneAnxiety can be overwhelming at times can often have a   debilitating impact on our daily lives.

Continue reading “Apps to help with Stress and Anxiety.”


Shop your freezer to save money and reduce waste.

Shop your freezer.

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.

Continue reading “Shop your freezer to save money and reduce waste.”


ELEMIS. Bobbi Brown, hair shades. Glowing skin. Party-ready. Mature skin. Over 40’s. Over 50’s Glam Glow.

Hi Savvy readers.
It’s that time of the year, long  lazy days. The perfect time to indulge in a little me time. Why not have a look at my five favourite beauty iPhone  apps for a  little well deserved pampering. xox
Continue reading “ELEMIS. Bobbi Brown, hair shades. Glowing skin. Party-ready. Mature skin. Over 40’s. Over 50’s Glam Glow.”


Have you heard of the Help to Save Scheme being run by the HMRC. ?

Have you heard of the Help to Save Scheme being run by the HMRC. ?

Continue reading “Have you heard of the Help to Save Scheme being run by the HMRC. ?”


The best five shampoos for fine hair.

And the winners are….
My five best shampoos for fine hair.
You asked, so here we go, my five favourite shampoo’s for fine, fragile, limp, lacklus. … you get the picture! Continue reading “The best five shampoos for fine hair.”


Everything you’ve ever wanted to know about money but were afraid to ask . Well sort of everything !

Hi savvy readers,

Everything you’ve ever wanted to know about money but were afraid to ask . Well sort of everything ! 
Continue reading “Everything you’ve ever wanted to know about money but were afraid to ask . Well sort of everything !”


Help for hair loss and thinning hair.

Help for hair loss and thinning hair.

Help for when you hair is more “merr” then your crowing glory.

Below are some of the tips, I’ve use to support and restore my hair. They have worked for me, hopefully they will for you to. ( I learnt the hard way about thinning hair ,due to stress.)
Continue reading “Help for hair loss and thinning hair.”


make money at Farmers and craft markets. and you can to

How I make money at Farmers and craft markets.

I thought I would share with you some of my tried and trusted, go to tips. for slaying it, at Farmers markets.

(Psst , So you don’t have to make some of the rookie mistakes I did at the beginning. )

Your supper cool urban Padded Gilet.. check ….. Aviators… check.. you’ve got this chaps, lets go….


Continue reading “make money at Farmers and craft markets. and you can to”


The clever persons guide to money.

The clever persons 80/20 guide to money.

Hi there, life savvy people.

I’ve had some recent feed back to my blog  ”My first £1000.00 of 2018 and how I did it.”

Apparently some of you would like to start off saving with a more gentle approach. ( Was it the thought of giving up the wine?)

Continue reading “The clever persons guide to money.”


Lazy girl’s guide to cleaning “Mongolian Faux fur cushions.”

Hi .. Here’s my cheeky hack I use to freshen up my “Mongolian Faux fur cushions.”   Continue reading “Lazy girl’s guide to cleaning “Mongolian Faux fur cushions.””


Testing Primark’s exfoliating pads.


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.

Continue reading “Testing Primark’s exfoliating pads.”


My first £1000.00 of 2018 and how I did it. and am STILL doing it.

How I managed to smash my first £1000.00  challenge of 2018. Continue reading “My first £1000.00 of 2018 and how I did it. and am STILL doing it.”


££££. My go to ways to make money. ££££.

 My go to ways to make money.

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.

1. Ebay…..

  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

2. Amazon.

Continue reading “££££. My go to ways to make money. ££££.”

Boots No7 beauty Advent calendar for £42.00 while stocks last. Friday 18 October.

Hi Lovely Savvy readers.

Just a quick savvy tip in case you did not know. (And Coz , I missed out last year.)  Continue reading “Boots No7 beauty Advent calendar for £42.00 while stocks last. Friday 18 October.”