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Like many mums, I consider buying cosmetics to be a privilege, rather than a necessity. My make-up bag is in dire need of a complete overhaul, and as we're going on holiday soon I decided to nosey around to find the best value for the meager budget I've allowed myself.

Then my wonderful friend introduced me to ELF cosmetics where - she explained - you can buy almost anything for just £1.50. ELF (Eyes Lips Face) was not a brand I was familiar with, and at first assumed this must be one of those sites which offers last year's cast-offs and testers (none of which offer colours any self-respecting mum would consider).

In any case, I popped over to the site and my goodness - she was right!

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When I read the announcement about Asda's £4.75 school uniform deal on Twitter, I couldn't help wondering "is this for real?"

With three children already at school and my youngest about to start this September, we're only too aware of how expensive it can be to kit the kids out with complete uniforms each year. Four complete school uniforms for less than £20? Surely this deal is too good to be true...

So I popped in to my local Asda to see for myself and am happy to tell you that this offer does exist, though to be truthful we would need to spend £11 in total in order to create a complete outfit for this low price.

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These days we are awed by the sheer number of books available to us, and it's difficult to choose something relevant to our needs. As parents, we are limited in the time we can spend reading, and as frugal families we cannot afford to spend on books we may later find irrelevant. So each Wednesday, I aim to review a book on a range of subjects from parenting guides to home-making, fashion/beauty and cookbooks which are most relevant for fabulous, frugal mums!


This week I've been reading The Money Magpie: a personal finance guide by TV cash expert, Jasmine Birtles, which has proved a very appropriate read during this time of economic uncertainty!

The Money Magpie is a companion book to Jasmine's popular website of the same name. Aimed at anyone who wants to learn more about their personal finances, how to ditch debt and save for the future, this book offers practical financial advice which is easy for even a finance novice to understand.

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In the midst of this "credit crunch" we are all looking at ways of cutting back, saving money and generally being careful with our finances.

As money-savvy mums, we cut back on luxuries; turn lights off when we leave the room and cross our fingers hoping we won't be affected by the rise in unemployment.

But there are many ways we can take control of the family finances, effectively "recession-proofing" ourselves and learning to live happily for less.

In this article, I'll cover 5 of my favourite "personal finance" resources for money concious families which offer friendly and impartial advice to help us take control of our finances.


Money Saving Expert

Since its launch in 2003, Martin Lewis' Money Saving Expert has become the most popular resource for personal finance in the UK.
The average person in the UK can give themselves the equivalent of a25% payrise, by being an active, savvy consumer and shifting to thevery best deals; this site's here to show you how.
Featuring articles which cover everything from the latest credit card deals to the cheapest family outings, this site has something on offer to help every family save money without cutting back on enjoyment.

A key aspect of MoneySavingExpert is "consumer revenge". As Martin explains:

The underlying philosophy is that we live in an adversarial consumer society...
A company's job is to make money. A consumer's job is maximise their cash. Companies spend billions on advertising, marketing & teaching their staff to sell; yet we don't get buyers' training.
We want to redress the balance.
Using information provided by the site (and the knowledgeable MSE community), thousands of readers have successfully reclaimed PPI and bank charges; saved hundreds each year by switching to the best deals for utility bills, and learned how to successfully get out of debt.

The community of Money Saving Expert is truly wonderful. In the forums, you can ask advice about virtually anything related to finance and will almost certainly find someone willing to offer their advice. There are even sections for thrifty gardeners, frugal families and grocery shopping on tiny budgets.

Finally, Martin's Money Tips e-newsletter is one which I recommend every parent receives. This weekly email collects the week's most important financial news and timely discounts and is sent to over 3 million subscribers. With the summer holidays approaching, we're bound to get news of discounted days out, family-friendly activities and even budget holidays.

Visit Money Saving Expert


The Money Magpie

The Money Magpie was started in 2007 by Jasmine Birtles: a finance journalist, author and presenter.

This site is focused more upon helping visitors make (and save) money by becoming savvy consumers:

We have up to date information on hundreds of ways to earn a bit onthe side and boost your income - and more are being added every week.

But there’s no point in earning extra money if you’re wasting itelsewhere, so we also have a wealth of information on best-buyfinancial products, plus heaps of articles to help you be a cleverconsumer and make the most of your money.
Families can enjoy a whole section of articles to help save money, including this lengthy post which offers 50 useful ideas.

Email subscribers can receive a free weekly newsletter containing a round-up of the best money saving tips, plus a free ebook and downloads to help manage family finances.

Jasmine Birtles has recently published The Money Magpie in book format, which I will be reviewing for Glamumous readers tomorrow. This book is a collection of all the best advice from the site and offers a structured long term plan for future finance happiness.

Visit The Money Magpie


This is Not Work

This inegnious site offers time and money saving tips to "sort our your finances in your lunch break".

Written by Richard Browning - the development editor of consumer advice site, This Is Money - this site is aimed primarily at time-concious parents, you can find a new short tip each day to help save money on family expenses:
I devised This is Not Work as a place for people - primarily parents - to share some of my quick tips and thoughts on making life that little bit easier.

While there are a lot of websites, blogs and discussion forums for people to while away the hours making 'friends' online and sharing tips and information, this is the one for those of us who haven't got hours. 
You can also follow This is Not Work on Twitter to receive updates and information as it is posted to the site.

Visit This is Not Work


Love Money

Love Money is an "everyday" financial website, provided by the brains behind The Motley Fool. It offers down-to-earth articles which can help you feel richer and become wiser about your finances.
We believe that you should care for your money, keep an eye on it,and do everything you can to help it grow. In return, your money willlook after you and be the fuel that allows you to live your life theway you want.

How can we help you make this happen? By givingyou the tools to create real and lasting change in your life.lovemoney.com isn't just a finance news site or a product comparisonsite. It's a place where you can learn from experts, share yourexperiences and ideas, improve your money skills with easy onlinetools, and focus on personalised content hand-picked for you.
One of the best aspects of LoveMoney comes from registering with the site: members have access to a personalized "home page" featuring articles and the best deals most applicable to you and your family.

Updated at least every day, the site covers financial affairs as and when they happen on the blogs, and helps families discover ways and means to manage money more efficiently without using jargon, making it easy to understand.

LoveMoney also offers a comprehensive Q&A section where members can ask financial questions which are answered by the LoveMoney community.

Visit Love Money


Get Rich Slowly

This US-based site offers some very thought provoking articles about saving money and getting rich - slowly!

While some articles discuss finance options most appropriate to those living in the states, I absolutely love the style of the articles written on this site. These are posts which make us think about how we choose to spend our money, and how we can learn to live on less money without feeling as though we are missing out.
You will not find any get-rich-quick schemes here. Nor will you findmulti-level marketing fads or hot stock tips. I am not pitching anyproduct or book. Instead, you’ll find daily information about personalfinance and related topics.
To learn about the core values which Get Rich Slowly represents, take a look at the about page which offers a complete overview of the site along with JD's 12 personal finance mantras.

Visit Get Rich Slowly


Which sites would you add here?

For this article I limited my additions to the 5 personal finance sites I visit the most. However, as this recession deepens and saving money has become a concern for many more parents in the UK, I've also discovered several highly interesting blogs such as Reccessionista (UK), Miss Thrifty and Shoestring Alley (I couldn't write this article completely without mentioning these excellent sites!).

Are there any other sites you visit regularly which offer advice for money-savvy mums? Please feel free to let us know by leaving your comments below.

Image credit: Money Shot by Jessica Shannon.
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Of all the cleaning we undertake as mothers, laundry is by far the most expensive task. Not to mention time consuming!

Bombarded with advertisements for the latest dirt-busting detergents and a never-ending pile of laundry, we often lose track of how to keep track of our pennies and buy into expensive ideas which claim to save us time (but don't necessarily save us money). Uniforms need to be ready for school; shirts must be ironed in time forwork; baby clothes are constantly being changed, and (what with all themess created by the rest of the family) mums just need something towear!

So in this post I'll share some ideas for how we can save money and time on laundry days, whether you set aside a particular day for all your washing or (like me) choose to run a load through the washing machine each day.

Organize clothes and wash less often

Whenever possible, sort clothes and other washable items by colour as soon as they need washing and encourage your family to do so too! Those laundry hampers with sections for colours and whites are wonderful (though expensive); having two or three cheap laundry baskets to hand is just as useful. This saves time sorting through clothes whenever you need to put on a load, and also prevents colour leeking from your non-colourfast red socks onto those expensive Egyptian cotton towels...

By organizing loads in advance, you can ensure you only wash clothes when there is a full load of washing. This saves money too, since you'd use more energy for 2-3 small loads than for a single full load on the same cycle (and probably more detergent/softener too!).

Use less detergent for each load...

Unless your clothes are very heavily soiled, you can get away with using half (or even less) of the recommended dose of detergent.

I prefer to use washing powder tablets, and use only one per full cycle of washing (whereas two or more are recommended on the pack). For very dirty clothes, I add half a cup of washing soda - which works out cheaper than that second tablet - which is sufficient to get rid of most everyday stains too!

Boxes of powder may seem cheaper on the shelves, but unless you're really frugal and careful with measuring for each load, you could actually use more than when paying a little extra for tablets. Supermarket own-brands (and also budget/unknown brands from local shops) usually work just as well as their branded counterparts. Go for these cheaper options which enables you to spend a little extra on luxury softener to make your laundered clothes smell and feel wonderful instead.

... Or make your own detergent!

I found this wonderful article over at The Family Homestead which explains how to make your own laundry detergent. According to the author, this works out at around 71 cents (about 45p) per batch, which can clean 64 loads of washing!

That's less than 1p per wash, far far cheaper per load than even the cheapest budget brand washing powder!


Use white vinegar instead of fabric softener

An oldie, but a goodie, white vinegar works out a far cheaper solution than buying fabric softener. Simply add a slug in place of your fabric conditioner in the detergent drawer and your clothes will come out soft and fluffy. Even better, the vinegar helps stop the build-up of limescale in your machine (and is also a cheaper solution to the de-scaling products on sale for our washing machines and dishwashers).

Don't worry about the smell - surprisingly clothes will not smell of vinegar when they come out of the wash cycle! The only down-side is that they won't smell of lovely expensive fabric conditioner either...

Pre-treat stains with a home-made solution

Don't pay through the nose for expensive pre-wash treatments - they really aren't worth the money!

You can make your own by filling a spray bottle 4/5ths full of water, then top up with cheap washing up liquid. Shake to mix well, then spray this solution onto the problem areas and leave to soak in before washing as normal.

For really tough stains, check out this huge page of stain-removal solutions which covers everything from mud to blood, grass stains, red wine and even tea.


Wash on the shortest, coldest cycle

During a wash cycle, the heating of water uses the highest percentage of electricity.

There really is no need to wash at the maximum recommended temperature for your fabrics unless the items are really badly soiled. Turn the thermostat to 30 degrees (or even less if you can bear it). You could save up to 40% in energy per wash cycle (depending how high your usual temperature).

Similarly, use the shortest cycle you can for everyday cleaning. Your clothes will still come out clean as the invigoration does most of the hard work, not the amount of time your clothes are immersed in water!


Wash your delicates in the shower

Our delicate underwear should really be hand-washed, but I'm sure many of you bunk your smalls in with the main washing load simply to save time...

The trouble with this is that delicates can lose their shape and colour; they don't last as long when washed so rigorously.

Instead, take your smalls in with you when you shower, and wash gently with your favourite shower gel or a little soap. This saves a lot of time and makes your underwear smell as gorgeous as you do!


Dry clothes on a washing line

Tumble dryers are a godsend when time is short, but these use up so much electricity to heat and dry our clothes (even the energy efficient versions).

If it's not raining and you have some outdoor space, save yourself the cost of electricity and dry your clothes outside. I'm not sure exactly how much money this will save, but trust me, it's a lot! Clothes can dry very quickly on a line, even when it's not sunny, and smell fresher too.




Use "Dryer Balls"

A while back, there was quite a craze for Dryer Balls which increase air circulation in the tumble dryer, helping clothes to dry more quickly and feel softer without the use of fabric conditioner or tumble dryer sheets.

I personally held off buying them for a while, but when I saw these on offer in Poundland (the actual branded variety, not a cheap knock-off!) I couldn't resist trying them out.

Ladies, these do work! I'd guess it knocked about a quarter off drying times and made our towels very fluffy indeed. If you spot them on offer, try them for yourself! The RRP of £9.99 seems a tad expensive to me, but I'm told they're often found in budget stores and Wilkinsons for far less.


Iron clothes while slightly damp

Remove clothes from the washing line/tumble dryer to iron while still slightly damp: they take far less time to iron!

If you give clothes a good shake before hanging out on the line (especially on windy days) there will be less creases to iron out. Also, take clothes out of the dryer as soon as the cycle is done and shake while still warm to minimize creases and ironing.


Invest in an enery efficient washing machine

I know washing machines are expensive and a purchase we prefer not to make unless absolutely nescessary. But if you're using an age-old washing machine you could be wasting pounds of electricity each year! Energy efficiency is measured on a scale of A through to E, where A offers the best possible efficiency (and uses far less electricity per cycle). Such machines may cost more for the initial purchase but do make up in saved electricity bills in the long run.


Final thoughts

I hope these tips can help you save a little time and money on laundry days! If you have any tips of your own to share, please feel free to leave your comments below and I'll update this article complete with accreditation to your own blog or site.

Image credits: "Better than TV" by BrianU; Spin Cycle by B Rosen; Washing Line by Steve9091. All via Flickr Creative Commons.
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Now that summer is finally here and the long school holidays are approaching, you may well be looking out for some entertaining activities or information about family holidays.

Over at Have A Lovely Time, you can read reports of events, days out and holiday destinations which are written by parents, for parents!
This blog will report on places we have been and things we have seenwhile out and about with our children, in the hope of helping youdecide where would be a lovely place to go.
As parents, we love to read about the real experiences of families with children. Brochures, newspaper reports and the like tend to sell us the information we'd like to hear, not the truth about what it's like to visit a theme park, holiday location or event with children in tow.

The journalists of Have a Lovely Time are real parents who offer the truth and their own recommendations. You can also find entertainment reviews and fun activities for your family to enjoy at home. As the title suggests, this site is all about having a lovely time, no matter where our families may be.

This month, I have contributed a monthly round-up of news and events of interest to parents which Linda has kindly published on site. Find out about the Tales of the Road campaign, which helps children learn about road safety; discover some great events happening around the UK this June (including a festival of extreme arts and celebrations of Henry VIII's ascension to the throne), and even learn about special offers and discounts to help your family save money while having a great time.

Be sure to visit Have a Lovely Time soon to read about loads of great days out, news and opinions, and holiday experiences which are written with family in mind.

Image credit: peasap
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UPDATE: Competition extended until Monday 22nd June.

Are you expecting or planning a baby? Perhaps you know someone who is?

Ebury Publishing has kindly offered 10 copies of Christine Hill's Pregnancy Guide to give away in a competition for Glamumous readers!

Christine Hill has over 25 years experience with ante and post-natal classes and has worked with over 5000 mothers during her extensive career. She is London's most sought-after pregnancy guru and as a mother herself, she knows a lot about the concerns, anxieties and questions asked by expectant mothers during pregnancy.

After reviewing this guide for Glamumous readers, I can honestly say this is the most reassuring and informative book about pregnancy that I have had the pleasure to read. Christine Hill's Pregnancy Guide is like having a medically-qualified best friend who will explain the truth about your pregnancy in a straightforward, easy to understand manner; she dispels myths and cuts through the fog of information overload to offer the answers you really want to know.

The book is divided into fourteen short chapters which cover everything from your reactions upon discovering you are pregnant to ante-natal classes, possible medical issues and what really happens during labour. There is even a chapter specifically for fathers which assists understanding of how our men can help us through pregnancy and birth!

How to Enter

This competition is offered as a prize draw for all UK-based Glamumous readers (sorry I'm unable to offer these prizes to those living outside the UK).

To enter, all you have to do is leave a comment below with your name and a link to your blog/website or your email address (so I can contact you if you are one of the lucky winners).

Only one entry per person please! Multiple comments by the same person will count as only one entry.

Entry to this competition will close at 8pm BST on the 22nd of June 2009.

Winners will be drawn at random from the names submitted in the comments (complete with photographic evidence to ensure impartiality) and will be announced here on Glamumous on the 22nd of June. I will contact each winner personally for more details so we can send out your free copies of this excellent guide.

Guidelines 

Feel free to comment using any identity you choose (such as your Google profile, Open ID, Name/URL or Anonymous).

Please be sure to leave your name and blog/website URL or email address in your comment so I can contact you if you are one of the lucky winners! If you don't have a website (or means of contacting you through your site) please leave your email address in the following format (or similar):

name [at] domain [dot] com

Do not simply type your email address in the regular way (such as myname@email-account.com) as this could leave you susceptible to spammers collecting your address!

*This competition is open to UK residents only*

More information

Christine Hill's Pregnancy Guide will be available from all good book stores, direct from the publisher, and from Amazon.co.uk from the 11th of June 2009.

To learn more about Christine Hill and this excellent pregnancy book, please visit the official book page or read through my comprehensive book review.

Please help spread the word!

If you know of anyone else who may be interested to win a copy of Christine Hill's Pregnancy Guide, please let them know about this competition. I'd be very grateful for any Tweets, links or social media votes to help others find out about this prize draw!

Wishing the best of luck to everyone who enters!
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With Father's Day only a few weeks away (the 21st of June), I thought I'd let you all know about a great deal from BonusPrint (in conjunction with The Mirror) which enables us to get a free personalized Father's Day card that includes a photo upload and personalized message.

This offer is for the A5 sized card (not the smallest) and carries only the charge for postage: 50p.

To get your free personalized Father's Day card, simply head over to the Bonusprint offer page which contains the promotional code for this offer (write it down as you'll need this during checkout).

Be sure to choose the A5 size card to qualify for the offer, then upload your photo and personalize to your liking. There is a selection available to add a border around your image, which helps the design look more like a Father's Day card (choose Border>Father's Day and select from the two available alternatives).

Until you reach checkout, it will appear that the total cost of your card is £1.50. However once you've filled in your details you'll be able to enter your promotional code to reduce the total cost (including postage) down from £2.00 to just 50p.

This is a time sensitive offer which ends at Midnight on the 9th of June!

I've just created a special card from our youngest to her Daddy - she explained exactly which photo we should use and what she wanted to say in the card to make it a truly personal one :)

Hope you will enjoy this free offer too!

Thanks goes to MoneySavingExpert for news about this offer.

Image credit: renaissancechambara
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These days we are awed by the sheer number of books available to us, and it's difficult to choose something relevant to our needs. As parents, we are limited in the time we can spend reading, and as frugal families we cannot afford to spend on books we may later find irrelevant. So each Wednesday, I aim to review a book on a range of subjects from parenting guides to home-making, fashion/beauty and cookbooks which are most relevant for fabulous, frugal mums!

Are you pregnant or planning a baby? Perhaps you know someone who is?

Chances are, if you're expecting a baby you'd appreciate some sound and down-to-earth advice about what to expect though those nine months and how to adapt to the many changes you'll experience.

This is where Christine Hill's incredibly useful guide comes into play...

A Bit About Christine Hill

A physiotherapist with a postgraduate degree in paediatrics and obstetrics, Christine has worked all her life with mothers and babies. She is one of London's most sought after pregnancy and ante-natal gurus who has attended more than 5000 mothers during her career.

Most importantly she is also a mother, having given birth to three (now grown up) children. Drawing upon her professional and personal experiences she has produced this guide to offer realistic advice for expectant mothers in regard to the subjects we'd really like to know more about!

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A couple of weeks ago I published an article explaining the easiest ways to supplement your family income. One of the easiest ways to earn a little extra cash or rewards is to take part in sponsored surveys. These sites enable us to voice our opinions and assist marketing departments to develop products and services which are of more interest to us, while at the same time earning a few extra pounds or reaping the benefits of rewards.

I've been actively completing sponsored surveys for about 6 weeks now and have earned a fair bit in cash and vouchers for my time. Sponsored surveys are ideal for busy mums and dads as these usually take only 15-20 minutes to complete (some even less), enabling us to participate when we have a few minutes spare.

In today's post, I'll share my five favourite sites for sponsored surveys which I feel offer the best rewards for our time and actively allow us to contribute our opinions on products and services of interest to parents with children.


1. Toluna

By far my favourite (and most active) sponsored survey site is Toluna. I receive at least 3-4 emails notifying me of new surveys every day of the week, and have earned enough to cash in a £10 Amazon voucher less than a month after joining!

Toluna offers a rewards based system, and emails members fitting the criteria required for surveys when new opportunities are available. Surveys generally earn between 900 and 5000 points for successful completion, depending on the length it takes to complete.

Points earned can then be exchanged for vouchers redeemable at Amazon, Halfords, HMV, Love2Shop and many more reward partners besides. To give you an idea of the points required to earn vouchers, I earned a total of 60,000 points (in just over a month) which I exchanged for a £10 Amazon voucher.

To help earn extra points, Toluna offers a number of benefits for it's members. Quick surveys can earn between 15 and 120 points each, and take literally seconds to complete (there are hundreds to choose from too!). These Quick Surveys are available on the Toluna Website once you have successfully logged in. Furthermore, each personal interest survey you complete earns 300 points with an extra bonus of 2000 points when you complete them all.

Learn more about Toluna and sign up


2. Ciao Surveys

Ciao has recently improved the survey system (which is now separate from the general Ciao reviews site). Offering monetary rewards, Ciao will email eligible members about new surveys when they are available.

Each survey earns between 10p and £3, depending on the survey type and estimated length of completion. It could be possible to earn in excess of £20 a month with Ciao (though I confess to having earned only £11 last month). Payment is made via PayPal, and you can request to cash out at any time.

Learn more about Ciao Surveys or sign up


3. Pinecone

Pinecone is held in high regard as one of the most rewarding and influential sites offering sponsored surveys. Unfortunately it is also the most difficult to register with. Periodically, Pinecone opens to new survey applicants and allows members to post banners which link to the sign-up page for a certain length of time, restricting an influx of applicants to only a few targeted new members.

Surveys are very interesting and usually last about 20-30 minutes each. In return, you can be rewarded with "Luncheon Vouchers" to the total of £2-3 for each survey completed, which can be redeemed at loads of leading restaurants, fast-food outlets and takeaways.

If you are interested in joining Pinecone, the best method is to Google Pinecone to see which sites are offering current banners for new applicants (this was how I was able to sign up). It may take a day or two for your membership to be approved, after which you will receive confirmation and emails linking to new surveys suitable for your profile when available.

Learn more about Pinecone Research


4. PanelBase

This is another highly rewarding site though I personally receive news of new surveys less often than with other membership sites.

Many of the surveys offered by PanelBase are hihly interactive, including video and audio based research. The average reward for surveys is about £1.25, and most last under 20 minutes.

Panelbase seem much more concerned with security than other survey sites I have used, ensuring we feel more secure when completing surveys where sensitive information may be revealed (and even while logging in!). For me, this is a key aspect of my enjoyment when completing surveys, and I do highly recommend this site for those hoping to earn rewards from consumer research opportunities.

Learn more about Panelbase or sign up


5. Valued Opinions

I personally receive about 5-7 emails informing of new surveys each week from Valued Opinions who rewards for successful completion of market research surveys which can be redeemed for vouchers with Valued Opinions' reward partners (including Tesco, HMV, Marks and Spencer and more). Most surveys offer between 25p and £2 for each survey completed, though it seems to take a while for rewards to be credited to our accounts.

Valued Opinions again offer interesting surveys using different types of media (some of which are flash-based surveys offering a different perspective on the regular "choose your opinion" style). These surveys seem less "in-demand", so don't worry if you are unable to check your emails each day - you're still likely to be able to complete a survey before the allotted number of members have completed the opportunity.

Find out more about Valued Opinions and sign up



Tips for earning rewards from Market Research Surveys

If you hope to earn some significant rewards from participating in market research surveys, here are some quick tips:
  • Try to check your email at least once a day for news of new surveys. Some surveys are time sensitive or require only a limited number of participants. If you don't get in early, you may miss out.
  • Don't be put off if you receive the message that you do not qualify for the survey after a number of questions. Researchers usually require responses from a particular range of people, based on age, gender, location and such. Most survey sites offer a different reward (such as entry into a prize draw) for those who do not qualify.
  • Try to keep note of which surveys you completed to ensure you receive your rewards. Some sites only reward members when surveys are completed (up to 3-4 weeks). If you feel your rewards have not been received, you'll need to provide details of what you have completed in order to claim these rewards back.
  • Be honest! It is important to offer your honest opinion and be truthful about your personal status. Even if you think you may not meet the criteria required to successfully complete a survey, your opinions will be useless if they are false. What's more, the details you offer in surveys may be matched against those in your membership profile.
Participating in market research surveys is unlikely to help pay the bills, but in registering with these sites you can easily earn significant rewards each month to treat you or your family in exchange for your time each day and contribute your opinion regarding products and services which matter to you!

Image credit: wrestlingentropy
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I love going to the cinema, but with the high prices for tickets a family trip to see the latest releases can become an expensive affair.

Luckily, for the past few weeks we have been able to see a Saturday matinee at Cineworld for just £1 a ticket! Even when our whole family attend, the total cost is less than a single full priced child ticket, making this a cheap and cheerful outing we can afford on a weekly basis.

Cineworld's Movies For Juniors show each Saturday at participating cinemas. Usually there are three films on offer (a new film is selected each week), all of which start at 10am. These films tend to be older releases, and are movies most suitable for children.

This week, for example, we can choose from Madagascar 2, Hotel for Dogs and Bee Movie. We've previously seen Beverly Hills Chihuahua and Bedtime Stories, both of which were films the kids really enjoyed on the big screen.

To find out more about what's showing in the Movies for Juniors selection, take a look at this page of the Cineworld website.

In order to buy your tickets for £1, you will need to book/buy tickets in person from your local Cineworld cinema. It is possible to book online or by telephone, but a 60p charge for each ticket will apply! Tickets can be sold out quite quickly, so if you're worried you may not get in for the film of your choice, drop in to your cinema earlier in the week and buy in advance.

I only wish popcorn was as cheap for these showings (as our local cinema disapproves of people taking their own snacks into the cinema). However, if you specifically ask for a "Juniors Munch Box", you can get a kids sized box filled with the popcorn of your choice, a Capri Sun juice drink and a small packet of sweets for just over £3 (this may be different depending on the prices at your local Cineworld).

Hope you enjoy taking the kids to the cinema for less!

You might also enjoy this updated post: Cheap family outings to the cinema

Image credit: Atomicjeep
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Thanks to Nixdminx for passing on this lovely award to Glamumous! I was thrilled to bits to receive my first award for this blog :)

When in Tunisia, one of my favourite beveraes is strong Arabic coffee flavoured with rose-water. Sounds odd, but trust me, this is one of the most divine drinks ever!

As per the concept of this Lovely Blog Award, I would like to nominate 10 blogs which I've recently discovered as new receiptants of this award:

1. Susanna of A Modern Mother, because I read your blog everyday and you post such interesting topics about motherhood in Britain.

2. Esther, Courtney. Michela and Emilie of Babyccino, a site of wonderful things for mums, kids and tiny tots too. I loved the recipe for preserving children...

3. Miss Thrifty, the ultimate money-saver for helping us learn to live for less (and love it!)

4. Reccessionista, who posts wonderful money-saving tips and bargains galore.

5. Nadine at Time Management Mum who writes about juggling a busy life with children. She's just published her first book on time management, which truly looks an interesting read!

6. Becky and Linda over at You've Got Your Hands Full who blog about their experiences with twins and triplets...

7. And another shout for their new travel blog, Have A Lovely Time, where you can find reviews on days out and holidays for families with children (well worth checking out!).

8. Experimental Mum who has a gorgeous design for her blog, and offers loads of wonderful science experiments which my son truly loves!

9. English Mum in Ireland, who I discovered after reading about her wonderful escape to Disneyland (ooh, I'm soooo jealous! But we may yet escape to Disneyland Paris this year...)

10. Are we nearly there yet Mummy, because as Laura rightly points out, parenthood is the longest journey we could ever undertake!

For those who I have nominated to receive this award, I'll be in touch soon through your blogs to let you know. If you choose to accept the reward, here are the rules:
Post it on your blog together with the name of the person who has granted the award, and his or her blog link.(You can save the award image to your computer and upload to your blog in the usual way).
Pass the award to 10 other blogs that you have newly discovered.Remember to contact the blogger to let them know they have been chosenfor this award.
I hope you enjoy reading the blogs I have posted here! These are all new additions to my RSS reader (which is now becoming so long to read) but are wonderful bloggers whose posts are well worth a look.
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These days we are awed by the sheer number of books available to us, and it's difficult to choose something relevant to our needs. As parents, we are limited in the time we can spend reading, and as frugal families we cannot afford to spend on books we may later find irrelevant. So each Wednesday, I aim to review a book on a range of subjects from parenting guides to home-making, fashion/beauty and cookbooks which are most relevant for fabulous, frugal mums!

Today I shall review a truly exceptional gardening book: The Family Kitchen Garden by Karen Liebreich, Jutta Wagner and Annette Wendland. This title was produced from the authors' experience in working with hundreds of school aged children while restoring the Walled Gardens at Chiswick House in London as a kitchen garden, and is intended to offer advice for families who would like to produce their own foods but have little horticultural experience.

A particularly suitable format when gardening with children.

The Family Kitchen Garden is a 224 pages long, in a large soft-cover format and features a wipe-clean cover and high quality full colour pages throughout. This particular choice of format strikes me as highly functional for it's intended audience: by ensuring the thick pages (and especially the cover) can be wiped clean, we need not be concerned about sticky fingers or splashes of mud ruining this beautifully illustrated book when we allow our children to use it.

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With the summer holidays just around the corner, there has never been a better time to learn how to save money on your petrol/diesel bills. Whether you commute daily to work or simply use your car for shopping trips, there are several different tips you can adapt to lower the amount of fuel you use (and which have little impact on the time taken to reach your destination).

In this post, I'll offer my 5 favourite tips to lower the cost of fuel bills for your family car which could help you save as much as 20% from your annual spend on petrol/diesel.

1. Find out which stations offer the cheapest fuel

One of the most wonderful things about the Internet is the ability to compare prices of just about everything, to ensure we get the best possible value for our money.

There are several websites which offer comparisons of fuel prices:
  • PetrolPrices.com - Search over almost 10,000 stations across the UK by town or postcode to locate the cheapest fuel stations near you.
  • FindCheapPetrol.com - Again, you can search by postcode to locate the cheapest stations close to where you love (this site also compares the prices of supermarket stations such as Tesco and Morrisons). I've just noticed this site is undergoing maintenance though it should be available again in the next couple of days.
  • KeepMoving.co.uk - This inenious site offers loads of information about travelling and traffic across the country, and the special "fuel prices" section allows you to search for the cheapest fuel prices along a route - reat for when you're travelling long distances!
You will need to register (for free) to be able to use these sites effectively, though when this could save you up to 5% on your fuel bills the benefits of registration speak for themselves.

For example, when I searched prices for my home town, there was a difference of 9.4p a litre between the highest and lowest prices of unleaded fuel. For someone who fills up with £50 of petrol each week, this could save almost £250 in fuel each year!

2. Make your car more efficient

Remove excess weight from your car, which will lighten the load and reduce the amount of fuel used per journey. So remove any roof racks not currently being used and empty all the junk from your boot!

Switch off the air conditioning unless it's really nescessary as this uses quite a lot of power when in action. Winding down the windows in warm weather is almost as cooling, and uses no excess power.

Make sure your tyres are correctly inflated. Under-inflated tyres can decrease fuel efficiency by around 3% as more power is required to get the car moving. Check the correct tyre pressure for your particular car on this page of the RAC website, and top up with air (if needed) the next time you fill up with fuel.

Lastly, don't completely fill the car with petrol. A full tank adds more weight to the car, which makes it less efficient. By filling only half (or even a quarter) of the tank and refuelling more often, you can increase efficiency and actually use less fuel in the long run.

3. Drive more efficiently

When I was learning to drive, I was lucky to have an instructor who taught me about the benefits of driving with fuel efficiency in mind.

The key to driving efficiently is understanding this:
Each time you put your foot on the accelerator, you are using fuel. 
It sounds simple, but once you keep this in mind, you can easily learn how to use the accelerator less often without reducing speed or the time of your journey. Here are some useful tips:
  • Accelerate gradually, without over-revving the engine. A rule of thumb is to ensure you always drive at under 3000RPM.
  • Drive in the highest gear you can without putting stress on the engine
  • Slow naturally, without using your brakes unnecessarily. This is easier if you leave a 2 second gap between you and the car in front, leaving you time to slow using the momentum of the engine (and accelerate more easily afterwards).
  • Consider your position in the road. By being more alert while driving, you can reduce the need to slow and accelerate, ensuring a smoother more efficient drive.

4. Find ways to make filling up pay you!

There are several schemes you can join to earn cashback or rewards when refuelling at certain petrol stations. Most notably, the Morrisons Miles scheme (which I discussed in an earlier post) offers a voucher for £5 off your shopping in store for every 500 litres of fuel purchased from these stations. Here are some other schemes you could try:
  • Use your Tesco Clubcard when filling up at Tesco petrol stations
  • Asda Credit Card enables you to collect extra points when paying Asda fuel
  • Earn Nectar points whenever you fill up at BP stations.
However, don't go out of your way to be loyal to a particular scheme: this may cost you more in fuel over the long term than you will receive in rewards. Instead, use your reward scheme when this particular station offers the lowest priced fuel (see #1).

5. Ditch the car (or rather, choose to use it less often).

Of course, the ultimate fuel savings would be based on never using our cars... But for most of us, this is simply not a practical solution!Instead, we can consider ways of using our vehicles less, and making our journeys more efficient so we use less fuel over the course of each month.

For example, run all errands (eg: grocery shopping, post-office, recycling, library) on a single planned round-trip. Between each stop, your engine will remain warm and altogether you'll use less fuel than running each errand on a different day of the week.

Those who work (or shop regularly) in city centres may like to consider a park-and-ride scheme. This involves parking your car in a secure park on the outskirts of the city then catching a designated bus/tram/tube/train to your final destination. Usually these park-and-ride schemes are fee-based, but these will reimburse themselves when you consider how much fuel you'll save not getting caught up in slow-moving traffic or driving round for hours looking for a safe place to park (not to mention parking fees!).

Car-sharing can also offer savings on fuel. If you live close to friends, take it in turns to go shopping together, share the school run or drive each other to work, and share the costs of fuel. While it may be marginally less efficient to drive with more passengers in the car, you'll both be saving money on fuel costs on your regular excursions!


Do you have any more tips to share?

If you have any other tips for saving money on fuel costs, I'd love to hear from you! Please feel free to leave your comments below and if you enjoyed this post, a mention on Twitter would be very warmly welcomed :)
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This week (from the 25th to the 31st of May), celebrate National Family Week and bring your whole family together with activities, competitions and special offers.
This new national occasion will encourage families to play, learn, eat,read, compete and - most importantly - spend quality time together.Join in the fun with your family and celebrate National Family Week!
Over on the official National Family Week website, you can find out about events happening near you, enter competitions to win some fantastic prizes (including a Guitar Hero package, complete with Nintendo Wii!), and find out about promotions with some favourite family outlets including:
  • Adult entry for kids prices at Legoland Windsor
  • Kids eat free at Little Chef
  • See Night at the Museum 2 at kids prices with Vue cinemas
  • Kids eat free on 31st of May at Pizza Hut
And more besides!

These are all offered in the form of vouchers which can be printed from the special offers page of the site.

You can even print off a free Family Week Planner to organize special events for your own family during the week.

Will you be celebrating the first National Family Week? We'd love to know what you have planned for your family, so please leave your comments below.
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For the past two weeks I've been suffering from flu, and as my doctor explained, there seems to be an epidemic of this awful ailment in Britain at the moment, despite the fact that it is officially summer!

Unfortunately, my doctor is unable to prescribe me anything to help get rid of this awful virus (the government's crackdown on anti-virals in lieu of the "swine flu" outbreak). His advice is to take paracetamol, stay indoors and get plenty of rest. Which I feel is easier said than done when you consider I have four children and an overgrown boy husband to tend to in addition to working from home!


While I would love to blow the budget on those wonderful flu medicines from Boots, instead I've discovered some cheaper rather satisfying solutions to help deal with colds and flu on a tight budget. I can't guarantee these ideas will make you instantly well, but at least these may make your illness a little easier to deal with!


Get some medical advice!

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Lately my kids have developed a taste for muffins. The chocolate chip variety to be exact. Since these seem to cost so much in the supermarkets (around £1 for four, which I personally think is extortionate) I decided to work out a tasty recipe for us to make together at home.

As the title suggests, this recipe is foolproof! Each and every time I've attempted this recipe, the kids devour the muffins faster than I can say "wait for them to cool". Which, when you consider how fussy my son can be, is a rather great achievement!

This recipe should provide enough batter to make 12 muffins if using the larger muffin cases, or 18 small ones if you only have cupcake cases to hand, and costs around £1.20 for everything (working out between 7p and 10 each muffin, depending on the size).
Here's what you will need:
  • 250g Plain Flour
  • 100g caster sugar
  • 2 teaspoons baking powder
  • A pinch of salt
  • 1 medium egg, beaten
  • 200ml milk
  • 80ml vegetable oil
  • 100g pack of chocolate chips (or two bags of chocolate buttons, crushed)
  • [Optional] a tablespoon of brown sugar
Here's how to make your foolproof chocolate chip muffins:
  1. Preheat your oven to 200 degrees Celsius (gas mark 6)
  2. Mix all of the dry ingredients together in a large bowl
  3. Beat all of the wet ingredients together in a jug, then pour over the dry products in the bowl. Mix well until everything is combined.
  4. Divide your mixture between your muffin/bun cases, making sure each case is about 3/4 full.
  5. For extra special muffins, sprinkle a little brown sugar over each filled case (optional, leave out of you're worried about the sugar content!).
  6. Bake in your preheated oven for about 20 minutes, or until brown and risen. To be sure your muffins are cooked, stick a toothpick in one muffin and see if it comes out clean.
  7. Remove from the oven and leave to cool on a wire rack. Then try to hide the muffins or they may well disappear before you have time to try them yourself!
You could make some variations to this recipe, such as:
  • Reducing the milk to 180ml and adding a chopped banana
  • Using plain wholemeal flour instead of white
  • Use brown sugar instead of white
  • Try berries instead of chocolate chips
I love making these muffins, especially as these are so cheap to make! I've found these can store for up to a week when in a sealed container, and they also freeze well, so if you're short of time double up on ingredients, use an extra muffin tray and make some in advance.

Hope you enjoy these as much as we do!

Image credit: wentongg, via Flickr Creative Commons.
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A few days ago, a friend introduced me to the ICE (In Case of Emergency) campaign, which encourages people to add a contact in their mobile phones under the name "ICE" so paramedics, police or firefighters know who to contact in case of emergency or accident.

I was surprised to learn that the ICE campaign has been running for a few years now - it appears I'm a latecomer to this concept, but this is still an important campaign and one which I would sincerely encourage all Glamumous readers to consider.

The ICE campaign was started by Bob Brotchie: a paramedic with the East Anglia Ambulance Service who realised that while most of the people he attended had mobile phones with them, he and his colleagues were unsure which contacts to call in case of medical emergency.

To ensure paramedics and emergency personnel know who to contact if we're involved in an accident or medical emergency, we need to add an ICE contact to the phone book on our mobile phones. The ICE contact is the first number paramedics will try to call  for medical information and to inform of your current situation.

We can have more than one ICE contact in place too. I actually have three, which appear in my phone book like this:
  • ICE1 Husband
  • ICE2 Dad
  • ICE3 Mum
This means that if my husband does not answer immediately (due to his job he's often unable to answer calls), my dad or mum may be contacted instead.

I've also programmed ICE numbers into all of my children's handsets too, with details of our emergency contact numbers.

If you don't already have an ICE contact programmed into your handset, please do yourselves a great big favour and add this right away. Perhaps add one for your partner and children's handsets too, so you can be sure you and your whole family are covered in case of emergency.

Image credit: Emergency Phone by Futureshape.
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In the midst of this recession, many families feel the need to tighten their belts or take on a little extra work to supplement the family income. In recent months, I've seen friends and family members loose their jobs or have their working hours reduced, and I know from experience just how hard it can be to rely on benefits when supporting children.

I'm sure most families at this time would welcome a few extra pounds each week, whether this is to save for birthday and Christmas presents, a family holiday or simply to have an occasional treat. So in this post I'll share some tactics you could use to boost your family income using means already available to you, and without having to travel far from home.

Quick and easy ideas to earn money online



1. Participate in online surveys - Most companies use market research for new products and marketing schemes, and are willing to offer compensation in exchange for completion of surveys. There are many different companies you could join to earn a few extra pounds each week from participating in market research surveys including Ciao, MySurvey, Toluna and LightSpeed Research.

For each survey you complete, your reward could range from 10p to £15 (in either cash or vouchers) for between 10 and 30 minutes of your time. None of these companies will ever attempt to sell you anything or reveal your personal details. It's well worth joining a few different panels so you rack up your points or earnings more quickly.

2. Get paid for browsing the internet - Quite a few different companies have sprung up which offer compensation for visiting various websites or performing internet searches. In order to be compensated for visiting these sponsored sites, you will likely need to stay on the page for a few moments, or click on banners which you may have no real interest in.

However, the pennies will soon rack up. ?? claims that 20 minutes or so of your time each day could rack up more than £4 in earnings by combining your activities through various different services. Over the course of a year, this activity could easily set you up for a no-spend Christmas or family holiday. ?? has written a comprehensive guide for getting paid to browse the internet, which I strongly recommend you check out if interested in this activity.

Sites such as HTmail and Sterling Mails offer a few pence for each email you read and respond to, paying cash into your PayPal account. It's advisable to use a disposable email address when joining such schemes (Hotmail, for example) to ensure your personal email address is not overwhelmed or used for spam.

3. Reading emails could net you ££'s - This is not anactivity I have personally tried (as I already receive so many emailsfrom my blogging activities), but apparantly this activity could soonrack up a few pounds in compensation for only a few minutes each day.

4. Earn cash-back from your shopping - A relatively new concept for me is earning cash-back through affiliate sites when you make purchases online. Everything from supermarket shopping to digital camera could earn you cashback from such membership sites, so if you had planned to make these purchases anyway, such schemes are an excellent way to make a few extra pounds.

Some of the most popular schemes for cashback include GetPoundsBack, TopCashBack and CashBackChief. Some of these schemes offer a bonus just for signing up too!

In order to get the best deal you can also use the price comparison features of such schemes, then total up the cashback you would receive to make (or save) the most money.

5. Music Lover? Get paid to review unsigned artists - SliceThePie helps unsigned artists by offering their music for review by it's members. You could earn from 5p to 25p for each track you review (depending on your reputation), and tot up your credits to earn a little extra each month. Music artists could also profit from this site if their music receives many positive reviews by earning a contract.

It is complicated to explain, so be sure to read the full terms and FAQs on the site to get a better understanding of what it's all about.

Sell your unwanted household items


6. Sell anything on eBay - Of course, eBay is great for anything you may want to sell, from used electrical items to baby clothes and even your unwanted houseplants! It's very easy to get started selling on eBay: just create your account and sign up as a "seller". I would advise you to also set up a PayPal account as many eBay buyers prefer to use this as their preferred payment method. Here's a great article from MoneySavingExpert about the basics and most effective methods of maximizing your eBay profits.

7. Sell your books and unwanted CDs on Amazon - A little known feature of Amazon.co.uk is that anyone can set up an account to sell their unwanted books, CDs, DVD's and games for just a small fee. Unlike when selling on eBay, you won't be charged anything unless your item(s) sell. Many Amazon sellers have found some highly profitable means of buying and selling books through Amazon. While it may not become the equivilant of a full-time income, it's certainly worth a few pounds for the minutes of your time.

Apprentice Tycoon wrote a very useful article about selling on Amazon which you can read here.

8. Get £3 for each book you sell through Green Metropolis - Here's another easy way to make a few pounds from your unwanted library. Simply list your books on Green Metropolis and you'll receive £3 for each one sold (plus a little extra postage for large books and hardbacks). This website seems rather easy to use: you simpl input the ISBN of your books and the site does all the hard work for you.

9. Sell your unwanted mobile phones - You've probably seen many adverts on the TV recently from companies like MoPay and Envirophone offering to recycle your mobile phones for cash. This could well come in handy of you have a few old contract handsets lying around the house. All you need to do is visit one of these sites, provide details of your handset and you'll be given an instant price ranging from a couple of pounds to over £100 depending on the handset and it's condition.

For better profits though, I would recommend contacting any independent mobile phone retailers/repair shops in your town as you're likely to get a far better price for your phone! Usually you will be asked to bring your phone in person, but such shops are likely to offer far better money than the online companies do. By "independent" I mean the smaller, local stores (not Phones4U or any other high street name); take a look in our Yellow Pages and you're sure to find a shop or two close to home.

10. Sell at Car Boot Sales - Car Boot Sales are an excellent way to make quick bucks from selling anything and everything which you no longer wish to keep. For around £5-7 you can hire a spot in a local boot sale, set up a table to display your wares and get selling! Find your local car boot sale on Car Boot Junction where you can search by district or town.

I will say that Car Boot sales are better for getting rid of stuff which doesn't sell well on eBay or elsewhere, and certainly not for anthing valuable. It's great for old toys, clothes, baby stuff (pushchairs, moses baskets, and the like) which you don't mind getting rid of for only a few pounds.

11. Unwanted clothes? Get those online too! - Clothes swapping sites such as BigWardrobe.com and WhatsMineIsYour.com also enable you to make a few pounds by offering clothes for sale if there's nothing you'd like to swap with. Anything from Primark t-shirts to Prada handbags may be accepted, so if you have a wardrobe full of clothes you don't wear consider posting these online.

Sell your skills


12. Do you have a crafty talent? Join and sell on Etsy - This US-based site was created specifically for creative people to sell their hand-made goods online. Everything from knitted jumpers to hand-made gift tags is sold here, so if you have a creative talent be sure to join and showcase your skills in front of thousands more potential customers.

13. Sell your household skills - If you're an efficient cleaner, can iron shirts perfectly or are a wizard in the garden, why not offer your skills locally in exchange for an hourly rate? Even through the credit crunch, there are still families who would be thrilled to learn the lady (or gent) down the road could clean their home, organize their garden or finish their laundry while they while out the hours at work. Start by offering your skills to friends or post on a noticeboard near your local shopping centre. Part-time work such as this can easily fit around your current family schedule (nursery, school, etc) and once word gets around about your skills you could even end up inundated with new opportunities.

14. Sell your technical skills -  This income booster is something I stumbled upon quite by accident when a friend-of-a-friend needed some help setting up their wireless internet connection. I offered to stop by and help, fixed the router and a few other issues with their laptop, and in return was handed £20 plus many recommendations to more friends-of-friends... I'm now known by word of mouth as someone who can fix computer issues, install software, clean up viruses and help set up email accounts. I don't charge a lot and most of the time I get to fix computers in my own time at home!

To cut a long story short, if you're technically minded and competent fixing some basic computer issues, you could try offering your skills as a technical expert. Unless you have a great stroke of luck like I did, I'd recommend posting details of what you can do on local noticeboards along with your email address or website URL. It's not major income, and I'd suggest you offer fixed price fees for your work to ensure no nasty surprises for your customers!

15. Skilled with a sewing machine? Start a home-based alterations service - My old neighbour took on a lot of work at home once word of her skills in altering clothes spread around the neighbourhood! Almost every family needs trousers shortening or clothes repaired once in a while, and these days it's very hard to find a trusted alterations service which doesn't cost the earth (especially in cases where the alterations could cost more than the sale items we need altering!).

16. Sell your photos - Those who are skilled with a digital camera could earn good money from selling their best photography on stock image sites like Fotolia, Photobox and iStockPhoto. For each photo sold you will earn royalties (after paying a small percentage to the service you use). This could be profitable for those skilled in beautiful photography or in a niche sector.

Work from home


17. Become a TeleTech@Home Representative- If you're serious about working from home and can spare around 20uninterrupted hours each week, you could apply to work with the USbased company, TeleTech@Home.This company offers full training (for which you will be paid) andenables you to work as a representative using your computer and hometelephone. There are a few assessments and training programs to becompleted; rates of pay depend on the contracts you are offered.

Thisdoes require a commitment from you, and you will be expected to workfor several hours at a time without disturbance or background noise, soit may be better suited for those with children in school during theday or who can work alone in the evenings.

18. Publish mobile content to earn a few pounds - AQUA2Uis a new mobile publishing service which enables (virtually) anyone tosign up as a publisher and deliver micro-content to subscribers andfollowers. If you've ever encountered "Horoscope" or "Weather" alertsto your mobile phone, you'll have a good grasp of the style ofpublishing I mean. In some ways, it's a bit like Twitter.

AQUA2U claim that with just 25 subscribers you could earn £275 a year, rising to almost £3000 for 250 subscribers.

Thisservice is still very new (it opened on April 20th, 2009) so there areyet only a few publishers listed, ranging from betting tips to bargainsand celebrity gossip, so if you have a good idea for a series oftext-tips, it may be well worth checking this out.

19. Be a "Party Planner" - A favourite income booster for mums is hosting parties for companies like Ann Summers, Virgin Vie and The Body Shop.When hosting these parties, you're expected to demonstrate theseproducts and earn a commission on anything you sell. Besides earning asecond income, these parties can be loads of fun (especially the AnnSummers ones!); you don't have to limit yourself to family and friendseither - by advertising your parties locally you may well be asked tohost parties for Hen nights, birthdays and other occasionstoo.

Earn money from your writing skills


20. Get published with Associated Content-  This US based site offers a baseline rate of $1.50 for each 1000page views of articles you publish with this service. You can writearticles on anything you are proficient in, from how to find a reliablechildminder in London through to your top 10 country music websites (nokidding!).

The most popular authors can earn afull-time income, though to achieve this you'd need to submit quite alot of content of excellent quality.

21. Be paid to blog with Today.com - I've not covered earning through blogging in this article because generally it takes months to become established. However, the new service offered by Today.com offers publishers a guaranteed income for blogging on any subjectthrough their site (around $2 for every 1000 page impressions, plus a$5 bonus for new registrants who sign up through your affiliate links).

Earn money by offering your time


22. Become a market researcher - Companies like Saros Research offer opportunities for market researchers, usually in the form of small interview panels where you may be asked to test a product or offer your opinions. These opportunities typicaly pay well: between £30 and £50 for a 2-3 hour session. Register with Saros and look up local companies through Yellow Pages or your Thomson directory.

23. Monitor exams - This offers a great temporary opportunity for parents with children of school age as most exams will be taking place within school hours. By invigilating exams, you will be expected to monitor students, hand out extra papers, escort to the toilets and collect completed papers at the end of the exam.

Most schools, colleges and universities need extra staff for monitoring exams around Christmas, Easter and just before the summer holidays. Local newspapers may advertise these opportunities; alternatively you could contact your local council or approach schools directly.

You're likely to need a CRB check before being accepted as an exam monitor, but pay can be rather good at around £8-10 an hour (depending where you live).

24. Mystery Shopping - A "mystery shopper" is someone who is employed to rate the service or quality of products from retail stores while posing as a regular customer. By registering with "mystery shopper" organizations such as GapBuster, RetailEyes or TNS Global, you could earn free products, monetary rewards or gift vouchers. Most which I have encountered pay around £6-10 per assignment, though it is possible to earn up to £30 a day.

For some assignments these agencies can be rather strict and require you to take an online exam in order to qualify. Be sure to read the terms thoroughly and take details of each assignment into account to ensure you are reimbursed for any purchases and that you are paid for your time.

25. Count votes in local elections - Around election times, local electoral authorities may need extra help for counting votes and attending polling stations. Some local authorities pay upwards of £50 per session (or £10-15 per hour) for electoral duties.

Apparently, those already working for their local councils are offered first refusal of these posts, but it's well worth registering your interest with your local authority in case extra staff are needed. Take a look at the AboutMyVote website to find contact details for your local electoral office.

A note on tax

Earning extra income for your family is always welcomed, but don't forget to register your earnings with the tax man! By earning a regular supplementary income, you will effectively be self-employed and will need to declare this to HM Revenue and Customs.

You need to register with the HMRC Helpline for the Newly Self Employed on 08459 15 45 15 by the end of the third calendar month after you started or you may face a £100 fine. Also it's important to file your self-assesments on time (31st October for paper assessments, or 31st January when filing online).

Be sure to keep any and all receipts or details of your earnings - whenyou're self-employed you need to keep these for at least 6 years incase you are asked to produce them. Anything you spend on your business is tax-deductible, so it's important to keep accurate records of what you spend.

Don't forget to make full use of your personal allowances. The first £6035 of your earnings (in this tax year) will not be liable for taxes. Also, if you're on a low income, you should qualify for tax credits and other financial assistance. Take a look at the HMRC website for full details.

Final thoughts

I hope this article has provided some useful inspiration for means of boosting your household income without sacrificing too much time or family life. Of course there are many things I haven't covered here (blogging and website-building, for instance) as I feel these alternative income earners require far more involvement or long-term commitment - I chose to focus only on speedy and easy earners instead.

If you know of any other easy ways to boost your family income, I'd love to know about this so please feel free to leave your comments and opinions below.

Image credits: Main banner by kennymatic, Home Office by jimwhimpey; Garage Sale by leighblackall; baby package by Ali Edwards; asleep on the table by obo-bobolina; Writing is my hobby by Charles Jeffrey Danoff; Time by Apesara. All via Flickr Creative Commons.
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Thesedays we are awed by the sheer number of books available to us, and it'sdifficult to choose something relevant to our needs. As parents, we arelimited in the time we can spend reading, and as frugal families wecannot afford to spend on books we may later find irrelevant. So eachWednesday, I aim to review a book on a range of subjects from parentingguides to home-making, fashion/beauty and cookbooks which are most relevant for fabulous, frugal mums!

Today I will review one of the most important books on frugality I have ever had the benefit of owning: Thrifty Ways for Modern Days, which offers collective wisdom from members of the MoneySavingExpert community and is edited by the money saving expert, Martin Lewis. 
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In this age of information, loads of different companies are jumping on the loyalty card bandwagon, offering points, discounts or money back for their customers in exchange for details of our shopping habits. But which are the best ones to use?

For today's post, I'll summarize my five favourite loyalty cards for British mums, complete with details of the rewards and value earned from using them.

1. Boots Advantage Card

Boots Advantage Card
This is by far my favourite all-time loyalty scheme, the one which earns more rewards than any other scheme I have yet tried.

Each point earned on your card equals a penny to spend in store; for each pound you spend, you'll earn a minimum of 4 points on your card, though double/triple points days and promotions for extra points on selected items means it's easily possible to earn far more than this.

For mothers with young babies, I highly recommend you also join the Mother and Baby club, which entitles you to triple points when buying Huggies nappies, plus you'll receive many other great offers to help you and your growing baby.

Once you've earned enough points, you can spend this in-store or online on anything you want (except for gift vouchers). You will need to have earned enough points to buy your purchase outright, as points cannot be used in part-purchase.

Personally I save up my points for expensive treats and luxuries (perfume and Chanel lipsticks are wonderful when no money needs to be exchanged) though you could just as easily redeem against your usual shopping to save money on your everyday needs.

How to apply

You can apply for a Boots Advantage card in store and begin earning your points right away, or visit the website to make your application on-line.

2. Nectar

Nectar Card Earns Points Nectar helps you earn points from spending at a huge variety of high street stores, online retailers, petrol (via BP) and even on your holidays (through Expedia and others).

These points may then be exchanged for a variety of rewards including cinema tickets, days out, travel and beauty treats.

You can earn roughly two points for every pound spent with Nectar sponsors. These points roughly equate a penny each, though rewards start from around 500 points which could get you:
  • £2.50 off at Argos
  • A free DVD rental from BlockBuster
  • £2.50 off your shopping at Sainsburys
  • A £2.50 voucher for Gala Bingo
There are many many more rewards you could get depending on the number of points you have saved. Take a look at the Nectar card calculator to see how many points you could earn towards your dream reward.

How to apply

Many of Nectar's sponsors offer application forms in-store (such as Sainsburys and Debenhams), though you can also make your application online. This way you can make a note of your Nectar card number and begin collecting points straight away.

3. Tesco Clubcard

Tesco Clubcard
Here's another card which I use regularly, not just for shopping but for my fuel and mobile top-ups too (which earns three times as many points).

You can earn 1 point per £1 spend in Tesco stores, online and at Powergen, Marriott, Johnsons Cleaners plus a few other retailers. Each point earned represents a 1p discount to spend in store, and is redeemed in the form of vouchers which are sent out by post.

However, by redeeming points on Tesco's specially selected offers, each point is worth around 4p instead. These special offers include magazine subscriptions, family outings and even RAC membership.

How to apply

You should be able to pick up a temporary Clubcard from any Tesco store and begin earning points right away. Alternatively, visit the Clubcard website to apply online; you'll be able to collect points right away on online purchases, but would need to ask for a special receipt to credit your points by telephone after shopping in-store until your permanant card arrives.

You may also be interested to apply for the Tesco Clubcard Plus account by calling 08457104010 for an application form. This works like a prepaid card (no credit facility) which can be used only in Tesco stores and offers double points on your spending. I'm yet to receive my own card to explain more, but since I shop at Tesco so often I'm sure it will be worth the effort.

4. Toys R Us Gold Card

Toys R Us Gold Loyalty Card
If you regularly shop at Toys R Us, have a young baby or are expecting one, then it's well worth joining the Gold Card scheme. Don't worry, this is not a credit card (though admittedly I was put off applying for a while since this was the impression I'd been given!).

The Tous R Us Gold Card offers a point for each pound spent when you spend over £10 in store or online. When you have accumulated enough points, you will be sent vouchers to the minimum value of £75 against selected future purchases.

It does take ages to collect enough points, and admittedly the vouchers may not always be for goods you would normally purchase. But if you have a baby or very young child, it is advantageous to join the related Mother and Baby scheme, where further discounts are offered and a regular newsletter is sent out.

How to apply

You should be able to apply in any Toys R Us store by filling out a quick application form. Alternatively visit the Gold Card page of the Toys R Us website to fill in a form online.

5. Air Miles

Airmiles Loyalty Scheme
Although the Air Miles scheme seems to have been around for years, I've only recently discovered how useful this can be in collecting points for free family days out (travels too, though this aspect would rarely benefit us personally).

Air Miles points can be collected through loads of different retailers (more than 200 in total, both online and off) such as Currys, Evans, Shell petrol stations and even by transferring points from your Tesco Clubcard.

The number of Airmiles earned for your spend varies between retailers, from 1 mile for every £10 spent on eBay to a whopping 750 points when you take out a subscription to The Times.

For best value, redeem Airmiles against "experiences" rather than flights. This seems to offer more monetary value for your saving and enables you to visit some great attractions for free such as Legoland or the London Eye.

How to apply

You can register to collect Airmiles by filling in the application form on the Airmiles website. I'm unsure if there are ways to apply in any stores, though you could also call the customer contact centre on 0844 49 333 94.

What are your favourite schemes?

Have I missed out your favourite loyalty scheme from this list, or do you use any of my favourite 5 schemes regularly? Please feel free to leave your comments below.
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