Plan early to keep holidays on budget says Loveholidays.com

20130714-132550.jpgTravel and saving money rarely goes together but don’t let that put you off, we got Love Holidays to give us some tips. Recent media stories* have highlighted that holidays are potentially stretching the budgets of the average UK holiday maker by over £200, however loveholidays.com has the answer to keeping budgets in check.

 

The online travel agent suggests there are five easy steps to keeping a budget in check:

 

  1. Book a holiday early and pay for it in instalments
  2. Purchase holiday extras such as transfers or hold luggage at the time of booking
  3. Double check everything you do to ensure your dates, names, departure/arrival airports etc. are correct
  4. Book all-inclusive or half-board accommodation to keep down the cost of dining out
  5. Stay in hotels that are located in the centre of resorts or within easy walking distance of the beach and attractions

 

Alex Francis, MD of loveholidays.com commented: “Blowing your budget is something that really need not occur if holidaymakers are sensible in their planning and purchasing when they book.  It’s all about taking time to carefully select the most appropriate holiday and booking in advance to ensure there is time to plan and organise.

 

loveholidays.com also offers its users a ‘lowest price promise guarantee’ meaning that they are the cheapest option available for breaks to hotels and destinations featured by the company.

*Caxton FX claims: One in five Britons blows their holiday budget, with an average overspend of £211

*Thomas Cooks raised correction fees for airline tickets: £30 each way for any spelling changes made online, up from £20, and £50 over the phone. At the airport the charge is £100.

 

Weddings – do and don’t: Creating magical weddings

Julia Dowling of Snapdragon Parties, the leading luxury wedding and event planners, shares some trade secrets on creating an amazing wedding.

The idea of planning your own wedding sounds like fun to the uninitiated.  But unless you feel confidently creative, are commercially savvy and know how to find the best suppliers out there, it can be daunting.   As professional wedding planners we are most often asked for our top wedding planning tips.

Wedding bride and groom

  1. Do set a realistic budget and stick to it

Even a modest wedding costs a great deal.  Build a budget based on some Internet research and your judgement of how much you are prepared to spend.  As a guide, your budget should be split about forty per cent to catering, ten per cent each to venue or marquee hire, clothes, entertainment, photography and flowers with everything else coming from the remainder.  Don’t assume that hosting your wedding at home will be cheaper, because the entire infrastructure needs to be brought in.  Have honest conversations with all concerned about who will contribute and how much, and do get wedding insurance. Use your budget to guide your choices.  We always start wedding planning with a budget and then help to choose a venue and style of wedding.  Once you have set a budget, stick to it by negotiating hard with suppliers, especially if they were recommended by your venue; they will often be paying commission on your booking.

  1. Don’t pick a venue until you have a clear idea of the type of wedding you want

Many historic buildings impose restrictions on their use; a grade 1 listed castle full of ancient treasures is likely to prohibit use of candles, so if your vision is a candlelit wedding ceremony pick an appropriate venue.  Depending on when you plan to marry think about the likely weather (always have a wet weather plan) and the availability of local accommodation.

  1. Do find ways to weave in your own personality and style

There is much more to styling a wedding than copying an idea from a glossy magazine or adhering to conventional traditions. I often start by asking couples what impression they want to leave their guests with and how we can incorporate elements of their personality into the design scheme.  Other considerations include the season, the exact location, the size of the guest list, favourite colours, the level of formality which is desired and the budget.

In terms of dressing a venue, think macro and micro.  Macro styling means lighting the outside of a building, transforming the interior space and fusing the venue’s character with the nature of your event.  Micro styling means the way you dress the tables, the folding of napkins and your choice of china, glassware, place cards and favours.

Really talented florists will happily interpret your concepts with flowers, candles, feathers, wood, glass or foliage.

  1. Don’t settle for the same old wedding fare

Most caterers’ and venues’ standard menus are pretty boring.  Britain exports some of the finest food all over the world.  While no one goes to a wedding primarily for a gourmet experience, serve your guests some food that they will really appreciate.

  1. Do plan the day from a guest’s perspective

On your wedding day you may be the centre of attention but you are also the host, and so you need to think about the whole day from your guests’ perspective.  This means making sure that it flows naturally, that people aren’t left standing around without a drink while you have pictures taken and that everyone gets to spend at least a little time with you both.

  1. Don’t be afraid to save money where guests won’t notice

Wine needs to be good, but not necessarily a First Growth Bordeaux and you would be amazed at how good a wedding cake from M&S can be (yes, I’m being serious).  Once your florist has constructed something colourful between the tiers, your guests will think you spent a fortune on it!

  1. Do make your wedding stationery stand out

The invitation offers the first indication your guests receive about the character of the event.  While the skilfully engraved traditional invitation undoubtedly retains its timeless appeal, an intricate laser cut creation can be equally impressive.  When picking a stationery style and colour, remember that you have to carry it through for orders of service and table stationery.  Anything too outlandish may make it hard for guests to read the hymns or placecards.

  1. Don’t cut corners on photography

Apart from the marriage, the photographs are the only part of your wedding that will last a lifetime.   There are four basic styles of wedding photography and the best photographers can generally achieve a seamless mix of them all.  The traditional style is ideal for the posed family portraits, contemporary photography tends to be more informal and capture the spirit of the occasion.  Reportage is the fly-on-the-wall approach that captures the detail and flow of your day and the artistic approach, as the name suggests, aims to create the poster shots.    Even if you aren’t particularly traditional you should be cautious about too contemporary a style as you won’t want the photographs to look out of date in a few years.

  1. Do hire a professional to coordinate things on the day

Appoint someone as the coordinator on the day.  This could be a friend, or ideally, a professional.  Without a coordinator, you will spend the whole day worrying about the details yourself, which will significantly reduce your enjoyment.   They need to reconfirm all the details with suppliers, create a detailed running order and oversee the day.  Many wedding venues will offer you an event coordinator but remember that they won’t coordinate anything other than at the wedding venue itself.

  1. Don’t forget why you are doing this!

If you haven’t employed a wedding planner, there will be times during the planning process when you will wonder why you’re doing all this; it will inevitably get pretty stressful at times.  When the bills are flying in and you are worrying about all sorts of seemingly inconsequential details, remember that it will all be worth it in the end – and, after all, you will remember your wedding day forever!

www.snapdragonparties.com

Mo Farah, Robbie Williams, Ewan McGregor and Sienna Miller join forces to demand George Osborne keep his promises on aid

Mo Farah, Robbie Williams, Ewan McGregor and Sienna Miller join forces to demand George Osborne keep his promises on aid

 

Chancellor George Osborne will be in the good books of a host of stars – including Mo Farah, Robbie Williams, Ewan McGregor and Sienna Miller – IF he keeps his promises on international aid in the forthcoming Budget on March 20th.

 

Stars from the world of music, film and sport have joined forces to write a joint letter to George Osborne, urging him to take action to help end world hunger. Nearly thirty high profile individuals beseech him to keep his promises on international aid and crack down on tax dodging by big businesses working in poor countries.

 

The letter:

Dear Chancellor,

 

I am writing to thank you for your leadership in protecting the aid budget. By announcing in the Budget that the UK will give 0.7% of national income to life saving aid, you’ll be making good a 43-year-old promise and helping millions of people in their fight against poverty and hunger

 

In 2012, the UK demonstrated inspiring global leadership and community spirit through our hosting of the Olympic Games. This year, the UK Government has an opportunity to build on that promising legacy, when it hosts a major summit on food and hunger and chairs the G8 in June.

 

Keeping our word and doing the right thing are part of what Britain stands for. We can be proud that, in the face of crises, in good times and bad, the British public show great strength and generosity. Because of this, we can be collectively proud that huge strides have been made in reducing poverty and 14,000 fewer children are dying each day than in 1990.

 

The world is at a tipping point where we could abolish absolute poverty but hunger is threatening to reverse these achievements. Food prices have been higher than ever in recent years, affecting people everywhere and climate change is making things worse.

 

By matching the strength of spirit of the British people, we could be the generation that starts to end hunger.

 

No budget decisions can be taken lightly, but investing in the long term will be cheaper for all of us. We simply can’t afford hunger to rise to the emergency famine levels we saw in 2011.

 

In order for poor countries to be self-sufficient, as well as investment in aid they also need their own revenue to spend on fighting hunger. That is why the IF campaign is also calling on the UK and other governments to change global rules to make sure companies pay their fair share of tax in the poor countries in which they operate.

 

Along with others, I am proud that the UK is keeping its promise to provide 0.7% of our income for life saving aid and leading the way on vital tax reforms, which will provide a lasting solution for the world’s poorest people.

 

Yours Sincerely

 

Mo Farah, Olympic Gold Medallist; Robbie Williams, Singer; Ewan McGregor, Actor

Bill Nighy, Actor; Jemima Khan, Journalist and Campaigner; Sienna Miller, Actor; Raymond Blanc, Chef; Dermot O’Leary, Presenter; Helena Christensen, Model; Angelique Kidjo, Singer; Michael Sheen, Actor; Eddie Izzard, Comedian; Shazia Mirza, Comedienne; Tamsin Greig, Actor; Tom Hiddleston, Actor; Keeley Hawes, Actor; Joanne Froggatt, Actor; Fay Ripley, Actor; Valentine Warner, Chef; Vivek Singh, Chef; Emilia Fox, Actor; Miriam Margolyes, Actor; Jimmy Doherty, Presenter ; Roger Lloyd Pack, Actor ; Billy Boyd, Actor; Atul Kochar, Chef; Jun Tanaka, Chef, Cat Deeley, TV Presenter

 

 

Jenny Ricks, Enough Food for Everyone spokesperson said:

“Millions of people across the UK backed Make Poverty History and we can be proud that the Government will next week deliver on a promise we made then to the world’s poorest.

“British aid will help many of the 1 in 8 people in the world who go to bed hungry each night.

 

“This Budget can also assist poor countries to help themselves by enabling them to collect taxes from companies refusing to pay their fair share.

 

“Trillions of pounds is hidden in tax havens while people in the UK are struggling to make ends meet and in poor countries two million children starve to death every year.

“Cracking down on tax dodging in this year’s Budget would be a win-win – it will help poor people abroad but also those at home.”

Enough Food for Everyone IF is a coalition of 160 organisations and counting which have joined together to campaign for action by the G8 on the issue of global hunger. The last time we worked together at this scale was for Make Poverty History. Now that the G8 group of world leaders are returning to the UK in June, we are demanding they take action on hunger.

 

Poor countries lose around $160 billion every year to tax dodging, money which could be used to support vital services or invested in agriculture to make sure everyone has enough food. That’s more than three times what they receive in aid and is enough money to save the lives of 230 children under 5 every single day – that’s almost 8 primary school classes

The Government has pledged to make tackling tax avoidance by multinationals a priority for the G8 summit. The UK has an opportunity to show real leadership by putting its own house in order in the Budget.

 

Sign up now at www.enoughfoodif.org and make sure the G8 leaders put food on the agenda when they meet in the UK in June.

The Fitzroy – The Final Week on Kickstarter

A post-apocalyptic comedy about the last
refuge for a seaside holiday
www.thefitzroy.com/ks

The final week of the Kickstarter Campaign

The Fitzroy, is black-comedy live action feature film set in a post-apocalyptic 1950’s, on board The
Fitzroy hotel, a leaky submarine beached just off Margate – the last refuge for a traditional summer
holiday

Written and Directed by Andrew Harmer and Produced by Liam Garvo & James Heath, the team
behind Dresden Pictures.

Short Synopsis:
Set in an alternative post-apocalyptic 1950’s, The Fitzroy hotel, a derelict submarine beached just
off Margate, is the last place for a traditional summer holiday.

Bernard, the hotel’s bellboy, cook, maintenance man and general dogsbody faces a constant battle to
keep the decaying hotel airtight and afloat.

But when he falls in love with Sonya, a murderous guest, he is thrown into a world of lies,
backstabbing and chaos. As Bernard struggles to hide her murders from the other guests and
suspicious authorities, the hotel literally begins to sink around him.

As his world implodes, Bernard must choose between the woman he thinks he loves and the hotel
submarine that is keeping them all alive.

THE FITZROY: ONE WEEK TO GO

The Fitzroy, Kickstarter campaign really caught alight in the last week. On Tuesday 11th December
we were delighted to be announced by Kickstarter as their ‘Project of the Day’ and featured on the
home page spotlight for the whole day, this led to over a £7,000 increase in pledges. Kickstarter
followed this up on Thursday 13th December by naming The Fitzroy as ‘Projects we Love’ in their
weekly newsletter, with the subject line ‘Hotel Submarine’. This went to everyone registered on
Kickstarter, and over the next 24 hours resulted in 200+ new backers.

To create The Fitzroy, Dresden Pictures are looking to raise £60,000 through Kickstarter. We’ve
had some incredible support and at the time of writing have raised 83% of the target, an incredible
£50,000. We really couldn’t be happier and now we are looking for one big final push to get us over
our goal.

The campaign finishes Sunday 23rd December at 6pm GMT. For The Fitzroy to happen we need
to reach 100% of our target by this time or we don’t get any of the money and none of our generous
backers will be charge and lastly the film simply won’t get made.

THE STORY SO FAR
One of the key reasons why we believe Kickstarter have got behind the campaign is due to our
eagerness to engage the audience throughout the campaign in new and original ways.
In the first weekend, The Fitzroy team was out in full force at the Sci-Fi London Post Apocolympic
event on Nov 9th & 10th chatting to the patrons about the project, its rewards and raising
awareness. This was followed by an open invite shindig, in Hoxton, London at the Underbelly on
Nov 19th and had the film’s soundtrack producers, the Green Rock River Band (GRRB) playing
their mean doom-folk sound.

On the weekend of 8/9th December we were brave (maybe foolish) enough to take on making a
short film in 48 hours based on ideas provided and voted for by our followers on Twitter and our
friends on Facebook – we called it the Mini-Fitz Challenge!
Still from the ‘Choke Mate’ shoot.

We wanted to give something back, so asked our fans for their favourite idea, prop, location and title
as well as calling them out to help out as cast and crew. The end result was a five minute film ‘Choke
Mate’ that premiered online on 10th December. It’s a much darker piece than the feature film but
one we are all very proud of achieving with no budget and very little time – check it out for yourself:
https://vimeo.com/55276148

On Sunday 16th December we went street busking, with the fantastic GRRB on the London South
Bank. We tapped into a new audience as the crowds gathered round and GRRB soon sold out of
albums. The band got a brilliant reaction from fans. The video of highlights from the day will be going
live in the last week of the campaign.
‘GRRB’ busking on South Bank

We really want The Fitzroy to be a film made by people who like us, at heart, are film fans. We want
them to be part of it and share the experience with us. For example, one of the cool rewards is an
animated cartoon version of you or your loved one, which will inhabit the opening title sequence.
We’ve really tried to tailor the Kickstarter rewards to be as exciting as possible. Our rule was if we
wouldn’t pledge for it, then how can we ask others to. So we feel there are some great rewards in the
form of posters, DVD box sets out of a Beach Survival kit and gas mask props from the finished film!
The full list is viewable on our Kickstarter page, as well all other details on The Fitzroy.
View the Kickstarter video for The Fitzroy

The DIRECTOR AND PRODUCERS
Writer & Director Andrew Harmer
James Heath (Producer), Andrew Harmer, Liam Garvo (Producer)

Living On A Budget

Times are tough and very few of us have cash to splash. So here are some tips to make your money go further.

Go To Markets

  • Check if you have a local market near you. The food sold there will most likely be a lot cheaper and fresher than a supermarket and you can pick up some real bargains.
  • Buy fruit and vegetables that are in season. These are normally much cheaper as they haven’t had to be imported.

Scout The Supermarket

  • If you don’t have access to a market, then go to a large supermarket, rather than a smaller ‘express’ one, as it will have a much wider selection of products.
  • Write a shopping list to avoid impulse buying and plan meals, so you won’t arrive home with just a random assortment of ingredients.
  • I highly recommend checking out the reduced section, as you can find some amazing items at rock-bottom prices.
  • Don’t be afraid of economy food; the majority of it doesn’t taste too different to the more expensive brands and they can be less than half the price.
  • Look out for special offers and if you can, stock up on foods that keep, such as pasta, rice and tins, whilst they’re cheap.

On Your Bike

  • If you live in a city, cycling is normally quicker than public transport and buying a bike can work out significantly cheaper than paying for a travelcard each week. Have a look in a second-hand bike shop and you should be able to find a decent one for about £100.
  • Having a car gobbles up money, with the rising petrol prices, insurance and road tax you can find yourself spending a fortune. Think about whether you really need a car, as not having one could save you a lot of money.

Check Out Offers

  • When buying something, do your homework to see if it’s cheaper elsewhere or online.
  • Have a look for special offers. Companies want to entice you in, so see what they are offering, whether it’s a half price hair cut or a free eye test.

Do It Yourself

  • A great money-saving tip is to do things yourself rather than paying other people to do them. Whether it’s decorating or cleaning, it’s much cheaper to get your hands dirty.

Prioritise

  • If you can’t afford to do everything that you want to do, you need to prioritise and decide what is most important to you. Budget how much you can afford to spend after paying for food and rent and other necessities.

Get Creative

  • For a friend’s birthday splashing out on a card, present and cake can easily add up to quite a bit. However, with a bit of creativity you could make the lot yourself for a fraction of the price. Why not make them a personalised cd? It’s cheap to make, but there’s a lot of thought and effort behind it.

On the go

  • Buying convenience food can be extremely costly and really does add up. It is much cheaper to buy a bulk of ingredients and prepare a lunch each day.
  • Carry a water bottle with you to refill rather than buying a new one.

Spend wisely and live well!

 

Berlin Offers Best Value For Fashionistas On A Budget


Berlin is Best Value

German capital is most affordable whilst New York’s cut-price clothing couldn’t offset its pricey hotels

 

Berlin was the most affordable shopping destination of the top ten fashion cities in the world, according to the latest Hotels.com Hotel Price Index™ (HPI®). The iconic style capital, New York was ranked as the most expensive despite its popularity amongst retail tourists for securing brands on a budget.

 

The Index, now in itseighth year, chronicles the actual prices paid by travellers in 2011 in more than 142,000 hotels around the world.

 

As the pound continued to strengthen against the Euro, the German capital provided the best value forboth the cost of its hotels and its fashion. The average cost of a hotel room was only £73, allowing British shoppers to make the most of their budget in the popular Berlin style scene.

 

Tokyo (£102) and Barcelona (£104) were the second and third lowest priced cities providing spendthrift style alternatives for savvy shopping tourists. The retail tourist’s staple destination, New York, was undeniably the most expensive at an average of £173 per night, despite providing some of the most affordable shopping.

 

City Country

Average room rate in 2011

Average room rate in 2010

% Rise or fall
New York United States of America

£173

£166

4%

Singapore Singapore

£136

£123

11%

Paris France

£125

£122

3%

Hong Kong China

£119

£101

18%

Rome Italy

£116

£114

2%

London United Kingdom

£115

£114

1%

Los Angeles United States of America

£111

£104

7%

Barcelona Spain & Canary Islands

£104

£96

8%

Tokyo Japan

£102

£103

-2%

Berlin Germany

£73

£75

-3%

 

Join Cosmo’s Online Protest For Equal Pay.

UNITE TOGETHER AND FIGHT FOR EQUAL PAY WITH COSMOPOLITAN’S ONLINE PROTEST

CALL FOR WOMEN TO TAKE PART IN COSMOPOLITAN’S CAMPAIGN AGAINST THE WIDENING PAY GAP

Cosmopolitan, the magazine for smart spirited women, has teamed up with a host of celebrities to lead an online protest via Facebook and Twitter to highlight the current 15% pay gap and urge women to fight for their right to an equal pay packet.

Cosmopolitan and its celebrity supporters will lead the protest with the hashtag #4Kequalpay spend it YOUR way, encouraging women to retweet and comment on how they would spend the extra money. ‘4K’ signifying the average amount of money that women are missing out on each year from their salaries.

The online protest follows the controversial moves announced recently in the Budget to cut salaries of public-sector workers, meaning the pay gap is set to widen with women bearing the brunt of the government’s austerity measures.

All tweets and Facebook posts will also include a link to the Cosmopolitan Equal Pay Petition, asking everyone to sign up to make it mandatory for companies who employ 250 people or more to carry out a public, annual equal-pay audit. Over 100,000 signatures need to be collated for the petition to be taken to David Cameron later in the year.

Louise Court, Cosmopolitan, Editor, said: “With the government recently announcing further cuts to the Budget and the likelihood of the pay gap widening further, it is time for all women across the country to stand up and take positive steps in finally getting equal pay for British women.”

Follow the Cosmopolitan Twitter for updates: @CosmopolitanUK

How to Get Out of Debt and Avoid Fraud

Be careful with credit counseling agencies that don’t always deliver what they promise

More than one and a half million people file for bankruptcy every year. Many people fall behind on their bills because they’ve lost their jobs, suffered from a long-term illness, or because they were unable to manage their personal finances properly.

Fortunately, there are many resources out there that can help you put together a plan to pay off your debt, including credit counseling agencies.

Signs Your Finances Are in Trouble

You don’t have to be close to filing for bankruptcy to realize that you are in financial trouble. These are some signs that you might have too much debt:

* You are frequently late on your payments
* You are close to your credit limit on your credit cards
* You use your credit cards to make payments on other cards
* You find it difficult to save money
* You’ve been denied credit recently

How to Get out of Debt

To get out of debt and set your finances straight, carefully analyze your income and expenses. Make sure you:

* Make a budget and stay within its limits.
* Figure out your total debt and also what you owe to each creditor, your monthly payments, interest and payment due dates.
* Prioritize repayments, focusing first on things such as your mortgage, rent, and utilities.
* Make a repayment plan for each creditor and determine how long it will take you to pay off the debt. Make sure to review your credit card statements, as they will include information about how long it will take to pay off your balance, per new credit card laws that went into effect in 2010.
* Don’t incur any additional debt.

How to Choose a Credit Counseling Agency

Consider a credit counseling agency if your debt is too much to handle. These companies offer workshops on how to manage your money and advice on how to administer your debt. They can also help you create a budget and even negotiate your debt with creditors.

Many of these companies are nonprofit organizations, however be careful, as some charge excessive fees for their services and others might not even deliver what they promise. Consider these important suggestions before choosing a credit counseling agency:

* Pick a counseling agency that offers several services. This will help you avoid organizations that promote only certain services.
* Avoid credit counseling agencies that charge you for simply providing information, or agencies that demand a percentage of the amount that you are supposedly saving. Ideally, you should request the cost of their services in advance and in writing.
* Stay away from agencies that ask you to stop making payments on your debt or ask you not to contact creditors.

The Department of Justice has a list of credit counseling agencies that are approved to provide pre-bankruptcy counseling.

SOURCE GobiernoUSA.gov/USA.gov