The Whole Truth

Hai-Man is a 23 year old with a fair amount of will power.Here she talks about how from a young age she has saved money and thought, frankly into the future. I picked up this article courtesy of thesite a great site full of brilliant information about different things.

I’ve always been good with money management – it comes to me quite naturally. My parents taught me how to look after my finances from a very young age. They used to give me £5 pocket money a week and I’d always put aside a few pounds. Over the years my savings grew into a big stash, which I’ve still got under my bed.

Treating myself

As I got older I worked part-time in the summer holidays and invested some of my wages in an ISA. I calculated how much money I needed for travel, bills and food each week and saved anything that was left over. Every now and again I bought a luxury item to treat myself.

My parents know that I’ve got some money saved up, but they don’t know that I’ve been saving since I was 11. They still talk to me about putting money aside for different expenses and how to control your spending, so when I go shopping and see something I like I access whether it’s a necessity or a luxury – if I can’t afford it then I won’t buy it.

“My friends always say how skint they are and I end up saying I am, too, because I don’t know how they’ll react.”

I’d like to put all this money I have under the bed in the bank, the question is how – I don’t want to be arrested for money laundering. I don’t think they’d believe me if I told them I’ve been saving for 12 years. I’m planning to take it to the bank in batches of £200 at a time and transfer it to my ISA.

Staying out of debt

Knowing I have money saved up for different expenses helps me to relax about money. Lots of people take out loans and spend the money on things that have no value, but that just gets you further into debt. Keeping control of your finances helps you stay out of debt and gives you peace of mind. Sometimes, however, a loan is a good thing to have because there’s good debt and bad debt. I took out my student loan because I knew the interest was low – it’s the best loan you’re ever going to be offered.

I don’t tell anyone how much I’ve got saved up because this separates me from everyone else. My friends always say how skint they are and I end up saying I am, too, because I don’t know how they’ll react.

In some ways I’m a bit embarrassed about my finances because I’m the only one in my circle of friends who doesn’t have debts. It’s something that young people aren’t really taught about because they’re carefree and don’t have lots of commitments. It’s always better to think about what you’re spending your money on before splashing out. I now have enough money to put a deposit on a house; it’s a good position to be in, especially in the current economic climate.

A new feature which I hope to use more of, is audio. Here is Hai-Man talking about how she goes about saving and her thoughts on everything from her friends being skint, to the current economic climate.

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If you know me you’ll know I’m big on the concept of saving money. Probably because I have no savings in my savings account and like to hide behind the internet and give advice (yes, I am a real person!).

Its fair to say that actually its probably best to not ignore the space around your house, essentially for a very tiny investment you can pretty much grow a garden which will feed you and perhaps your family/housemates for a while. With some user generated love you can keep it going pretty much forever, this article below is pretty good and gives the kind of tips I never would be able to.

In my opinion there is no point everyone in the world trying to say the same thing!

Creating and caring for a home garden is an activity enjoyed by millions of people all over the country. There is nothing more rewarding than cultivating the earth and then planting and growing your own delicious and healthy vegetables. Today, one type of gardening method that has become extremely popular is Organic Vegetable Gardening.

An organic vegetable garden is a garden where the vegetables that are grown are free of pesticides and synthetic chemicals. From the soil to the fertilizer, as well as treating such problems as weeds and insects can all be managed using natural pesticide free methods and products. Using all natural gardening methods means that the foods grown are healthier and safer to eat compared to the chemical coated mass produced food.

There are many advantages to growing organic vegetables at home. When you grow your own food in a chemical free environment, you will be helping to protect the environment and you will be in charge of what you are putting into your body. Growing vegetables in chemical free soil means that you are preventing harmful chemicals such as pesticides from entering your body. It is also a great way to teach children about the health benefits of consuming natural chemical free foods and how growing their own food reduces their carbon foot print which benefits the environment.

When gardening using chemical free products, the soil remains uncontaminated so the ground and water table does not become contaminated with chemicals which protects the environment. Because all natural fertilizers contain natural matter, nutrients, and trace elements, the soil remains nutrient rich and ready for next year’s growing season. As well, it will not harm the surrounding habitat that may be home to wildlife such as birds, insects, frogs…etc.

The vegetables produced in an all natural environment are not only rich in vitamins and minerals, which makes them much more nutritious than chemically produced foods, but they also taste delicious.Not only are the vegetables grown healthier for your family, but you will also save money because they are cheaper to grow. You can normally find seeds at a garden store that not only produce a large quantity of vegetables, but at a price that is usually less than a $1.00 a packet.

Statistics have shown that more people are now starting to grown their own food on their home back yard. A National Gardening Association survey revealed that ‘households planning to grow their own food in 2009 increased by 19% over the previous year.” Much of this increase is due to concerns about the chemicals we are putting in our body and the impact that mass produced foods using chemicals have on the environment. Not only is it healthy, but it is also a relaxing and fun way to spend quality time by yourself or with your family. The benefits of eating all natural foods have made organic gardening a popular activity for millions of families across the country.

Organic Food

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Lovely Lingerie

A lovely lingerie inspired picture, perhaps slightly naughty but nonetheless cracking lingerie.

Esra Roise

Courtesy of Poor Concept.