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Stop Buying Checks from Your Bank- 4 Reasons Why

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You might be under the impression that banks are the only places from where you can get new checkbooks. Whether you are a business person who frequently uses checks or a personal user, suddenly running out check paper can be unnerving. Your first instinct would be to call up the bank and order a new checkbook. However, there are two major drawbacks of ordering checks from banks. Firstly, you would end up paying way more than you should. A slim checkbook for personal and business usage often costs upwards of $30 when ordering directly from banks. Barring the unreasonably hiked rates, banks also take way more time to fulfil the order than independent check printers. A new checkbook can take days and often weeks to arrive at your doorstep, which is enough to stall business operations. Instead of contacting the bank you can get overnight checks online and get the new checkbook delivered within 24 hours. No matter who you are, following are 4 reasons why you need to stop ordering checks from your bank.

Overnight Delivery: Only a select few banks offer a rush delivery option. Even with rush delivery, shipments of new checkbook can take days to arrive. Fortunately, there are a few check printing firms online that offer free guaranteed overnight check delivery. This is an option that’s almost never offered by the banks. Mainly because banks source the checks from vendors and thus cannot directly oversee the check printing and delivery process.

Cheaper Rate: When you buy checks from banks you invariably pay a hiked rate. As mentioned previously, banks buy checks from check printing vendors and then they sell it to customers for a profit. However, when your order business and personal checks online you directly order them from check printing firms. By cutting out the middleman, you are able to save a significant amount. Now if you are a personal user who seldom uses checks then this might be willing to pay the few extra bucks. However, business check users often end up saving hundreds of dollars each year simply by switching from their banks to online check printing sites.

More Security Features: While banks are often slow to adopt new security measures, independent check printing firms are not. Customers, therefore, enjoy a certain degree of freedom when choosing the security measures, they are willing to pay for. A standard check comes with all the usual security features indicated by the trusty padlock logo. More expensive security checks come with advanced security features including fluorescent fiber weaving and heat reactive paper. If you are in the business of writing a lot of paper checks to random vendors and individuals, paying extra for a few additional security features makes much sense.

More Customizability: Another advantage of skipping the bank when ordering checks is customizability. Apart from adding business details, there is little you get to choose when ordering the checks from banks. Offering an extensive range of customizable options, independent sellers allow you to select the check paper color, add in extra memo lines, upload a custom background, and a whole lot more.

Best Ombre Lace Front Wigs At Everydaywigs.com

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Folks these days are too fond to have their hair styled done quirky and way differently the way they used to look out, due perhaps of these celebrities who are too confident in pulling off colored hair or dyed hair. But if you are a person that ain’t sacrificed your comfortable look for just a certain look in a specific events or in any one time gatherings. I’ll then suggest you to take a look this shop called Everydaywigs.com where you can see all the wigs available for both men and women to use. Because these wigs aren’t for the folks who needs it due to the baldness and such but of course these wigs could be subject as fashion pieces as well. Henceforth, if you are looking for the best way and easiest way to make your hair done in no time, wearing a wigs is really a great option.

Pastel Green Ombre Wavy Synthetic Wigs

14″ Black/Grey Ombre Synthetic Lace Front Wig

24 ” Long Black to grey ombre Synthetic hair Wig

The shop, Everydaywigs.com, is selling some Ombre Lace Front Wigs for women that are too dope and fine. Because these ombre wigs are rarely in the mortar stores nears you as it does take some times to creates one than to the regular kind of wigs so most of the time these wigs has a hefty price tag among the rest. But not Everydaywigs, because they’re selling wigs in a very reasonable prices and as I have checked it you may have one ombre wigs as low as 80 USD with a free shipping already. Go check the shop now and see for yourself on how great their all wigs were!

human-hair-half-wig.html

26″ Brown/Blonde Straight Synthetic Lace Wig

26 Blonde Ombre Wavy Synthetic Lace Front Wig

24″ Blonde Long Wavy Synthetic Lace Front Wig

And if you are not comfortable to the ombre kind of wigs. You can always check their Blonde lace front Wigs. Because they do sells in the best price in comparison to the other online shops even to the mortar stores at the mall. Furthermore, you can have all types of wigs, bundle hairs, hair clips and more through this shop without you hurting the wallet that much. Go check them out today and see what items may fit you best!

Breaking the Habit of Wasting Check Papers Due to Silly Mistakes

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In this age of typing, tapping, and swiping, the skill of writing checks using an ordinary pen proves to be too tricky for some. Written checks not only need to be legible but they also have to adhere to a long list of regulations and rules before it can be accepted by banks. The basics rules of writing a check are known to most. However, there are a few common mistakes that can render a perfectly good check unusable. If you are guilty of making a certain type of mistake over and over again, then this post is for you.

Signing on the Memo Line: Remember this, the memo is on the left and the signature is on the right. In a hurry to finish writing their checks a lot of people end up quickly signing their names on the memo line. Memo lines are spaces for writing a note, something that gets tagged with the payment. The best way to avoid this mistake is by starting to write the check from the bottom up. You start by writing the note on the memo line, then fill in the amount in numbers and in words, and then write the recipient’s name. Once you are done, sign on the only available line that’s left vacant located on the bottom-right corner.

Getting the Signature Wrong: This is a common issue that often gets detected only when the check gets rejected by the bank. The chore of writing a new check and sending it to the recipient again is frustrating. Here’s what you need to do. If you use multiple signatures for different bank accounts, simply sign on an unused page on the checkbook. Do that with all your checkbooks linked to different checking accounts. This way you can refer to the signature before writing a new check. However, there is a certain danger to this approach. If the checkbook gets lost, the signature can be exposed to fraudsters and criminals. If you keep your checkbook in a locker and only take it out when writing a check, then this is fine. However, if you travel with your checkbook, it’s best to avoid this solution.

Making Mistakes when Writing the Amount in Words: A lot of people have trouble converting numbers to words. This mostly happens when the number is complex and has a decimal value. Something like a $4523.50 often becomes “four thousand twenty three and fifty cents”. If you want a fool-proof system, its best to ask Google to convert the number in words. Simply type in the number and end it the phrase “in words”. Alternatively, take some time out to learn how to write amounts with cents on checks.

Writing the Recipient’s Name Wrong: Banks reject checks if the recipient names don’t exactly match their records. This means even if you misspell one letter the check will not be accepted. To avoid this, form a habit of asking the recipient to text the registered name. A lot of people have nicknames while other have names that sound like nicknames. Don’t try to assume when writing the recipient name and always verify.

Print Checks Using Check Printing Software

A lot of these mistakes can be avoided if you print checks using accounting software packages such as Quickbooks. If you are not a business user, you can buy check printing software programs. All you need to do is order printed checks online and feed it to your printer. Once setup, use the software to print the check. This way you can review the digital copy of the check before pressing that print button and thereby avoid wasting a check paper.

 

Don’t let your commute ruin your suit

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In 2016, the Office for National Statistics revealed that 3.7 million workers travelled for two hours or more every weekday as part of their commute. This may involve walking, driving, cycling, taking public transport, or a combination of a few. On top of this, many men choose to wear a formal suit to the office to look smart — not ideal attire for a lengthy travel time! Read on as we look at some smart solutions to avoid damage to your tailoring.

A suit made for the commute

The suit that you wear to work shouldn’t be the same one that you wear to a wedding. Look out for the signs of a suit that are suitable for your commute:

  • Added elastane — this increases the flexibility of the suit and allows it to ‘bounce’ back to its shape after repeated wear and folding.
  • Elastic waistband — an elastic waistband gives you comfort during your commute, fitting to your skin.
  • Choose a lightweight wool that’s not going to cause you to overheat when you’re rushing to and from work.

How to protect your suit

Your journey to work can cause damage to your threads in a few ways, depending on how you travel.

From creasing

If you cycle or walk to the office, it’s likely that you’ll work up quite a sweat. Not only can this be damaging to the material of your shirt and jacket, it’s also likely to smell later in the day. Getting caught in the rain can also have negative effects on your suit as often it doesn’t have a chance to dry out fully throughout the day. Instead, consider commuting in workout clothes and freshening up when you get to work.

A great investment to make would be buying a suit that is crease-resistant — this way you can fold it up in a backpack and it will be good to wear when you arrive at the office. CT Shirts offer a range of ‘performance suits’ that are made with merino wool (a material with natural crease recovery). Their suits also have 2% added elastane which results in a crease-resistant cloth. This suit would also be suitable for public transport commuters. Sitting in the same position on a bus, tube, or in a car can cause your suit to become creased — not a great look for meetings throughout the day!

From the weather  

Harsh weather conditions can be harmful to your ensemble. During the winter seasons, road salt can be damaging to your shoes and the slush and snow can have long lasting effects if your shoes aren’t dried out properly.

There are some preventative measures that you can take. Purchase a shoe spray which can ‘prevent and seal’ the material and decrease weather damage. One way to do this is with beeswax — this creates a thin protective layer over the material of the footwear.

For suede shoes, invest in some hydrophobic suede protector. If you find a good spray, this can cover your shoes with a waterproof layer as the spray repels water.

From dirt

You might find that spending time on public transport can cause dirt from seats to cling to your clothing. You should brush your suit jacket down every day to prevent this dirt from becoming embedded in the suit and harder to remove in the future.

Avoid dry cleaning your suit too often. Instead, for stains that are hard to remove, send your suit for a spot clean.

Sources

http://www.bbc.co.uk/news/uk-38026625

http://ecosalon.com/7-ways-to-guarantee-stress-sweat-wont-ruin-your-clothes/

https://www.mrporter.com/daily/how-to-look-after-your-suit/1882

6 Ways To Spend Your Summer This Year

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In the last week it seems as if we have shifted from winter to summer in one giant leap. The summer sun is finally out and it has driven people all over the world to explore their local area, strike up the barbecue and try new things. Summer is the best time of year to get out of your house, into the sun and have fun! Here are some of the top things you will want to do this summer.

1.Travel

The most popular option during the summer is to pack up your things, jet off and spend some time exploring another country. You can have an amazing time wherever you go at this time of year: whether it be enjoying a fiesta in Mexico; staying at Courtyard Port of Spain and exploring the Caribbean islands; enjoying great food in Greece or simply going on a road trip in your own country. Travel is great for the soul and it is a wonderful way to make memories this year.

2.Family Barbecue

There’s no better way to spend the first hot day of the year than to invite the whole family around and light up the grill. The barbecue is a classic summer activity and it gives you the excuse to play with fire and cook some incredible meats and side dishes. You can enjoy the summer sun as you kick back and spend time with the people you love the most.

3.Hike

If you want to stay active and have more of an adventure this summer, you can spend time exploring national parks and hike up the bigger mountains you can find. Hiking can be as strenuous or easy as you need it to be and it is a great way to enjoy the summer sun with your family. Take it one step up and bring a picnic with you to enjoy at the summit!

4.Go Swimming

Beach days are the best days during the summer. You can enjoy walking along the beach with the sand under your toes, get an ice cream to cool off and enjoy a pint at your favourite seaside pub or bar. You can also make the most of the warm weather by taking a dip in the sea to cool off from the sun. It’s not only a fun activity but also a great workout!

5.Stargaze

During the summer, you are much more likely to travel around to more rural areas of your country. During one of these day trips, why not camp under the stars and enjoy watching them pass you by in the sky. You can even teach your children about the different constellations and tell them about space and the other planets in our solar system. There is something truly magical about the stars on a summer night.

6.Outdoor Concert

If you and your friends love music, why not make the most of the weather and visit an outdoor concert in your area? Lots of national parks and centres will hold outdoor concerts throughout the summer for you to enjoy. Just bring along a blanket, some snacks and drinks for a magical night.

It Time To Invest In Your Future?

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Right now we can all be so consumed with what is going on in the here and now. Our work commitments for the week ahead, out vacations for later in the year, this is possibly about as much future planning as you do. Am I right? The truth is, if you don’t think about your actual future, and we are talking years ahead when retirement is on the cards, at some point in your life, then you may find that you are going to struggle financially and enjoy the lifestyle you have grown accustomed to. It doesn’t mean you have to spend any lengths of time planning out every derail. But some of the decisions you make now can really help you to iron out some of the issues you might face when that time comes. I thought I would share with you some of the ways you can do it.

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Investing wisely

Investments may sound scary, but actually, making wise choices now with any savings you do have or money you have to invest could be very lucrative for you in the future. There are organisations out there that can be on hand to help you in terms of later investments, when that time comes, and reading things like the personal capital review could help you to be more informed of what you can do and how you can do it. Investments are what will help to give you residual income in terms of returns and profits or interest that is made. It is definitely going to be a viable way to boost your financial situation as the years go on, and could turn out to be very lucrative for you.

Buying property

Property is a great way to boost your financial position for the future, and it is actually something you can benefit from right now. Getting onto the property ladder is one of those things that could be on your list of things to do. The security of owning your own property can make you feel like you are making good decisions with your life. But actually this is a positive step for your future. Building on that first property, making money as you move to each different house, or even considering buying additional properties to rent out for long term investment. These are the things that can help you to build up a very nice nest egg for the day you decide that you retire and want to enjoy the golden years of life.

Thinking about how you want to live your life

Finally, you need to take some time to think about your future. You need to think about what you want to do and what you want out of your life. It doesn’t need to be detailed. But this is when things like bucket lists can come in handy. It might just be spending a little time thinking about where you want to go and the experiences you want to have.

I hope that these tips will help you invest in your future.

Why Self-Care and Self-Improvement Are Two Different Things (That Both Matter)

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These days, there is a lot of emphasis on self-care. It is an important aspect to make sure that you are taking the time to check in with yourself and that you are taking care of your body’s needs. However, a lot of people conflate self-care and self-improvement.

The idea that self-care and self-improvement are one in the same is wrong, and while both matter, it can sometimes be harmful to confuse the two. If you believe that self-care and self-improvement are the same thing, then you are not likely to be taking care of yourself in the way that you should be. It’s an easy mistake to make, but it’s important to understand the difference.

What Is the Difference Between Self-Care and Self-Improvement?

While self-care and self-improvement are very similar, they are definitely not the same thing. So what’s the difference? In a nutshell, the difference between self-care and self-improvement is the way in which they are enacted. Self-care is all about taking the time to check in, and self improvement is about working to make yourself better:

  • Self-care is the way that we prevent “burn out” when we feel overloaded by life. It’s the act of taking the time to take care of yourself, especially when you’re at your busiest. It counteracts feelings of stress and helps you refocus on the things that matter most to you.
  • Self-improvement is taking steps to better yourself. In a stark contrast to how self-care is taking a step back to refresh, self-improvement is the act of taking steps forward towards self-actualization. Self-improvement often focuses mostly on factors that you want to advance, such as your career, your health, your education, etc.

How to Practice Self-Care

 The ways in which everyone practices self-care varies from person to person. A major part of self-care is to refocus on the things that you love, and also to take the time out of your busy schedule to really take care of yourself. Many people view self-care as a reward, but you don’t have to earn self-care to practice it—in fact, the times where you feel like you haven’t “earned” it are probably the times when you need it the most.

Eating and exercising are huge parts of practicing good self-care. Often times, exercising and giving your body the food that it needs are overlooked when you feel busy or burnt out.

Some of the major factors to consider for self-care are:

  • Eating: Eating right is a big focus in self-care. If you aren’t giving your body all the nutrients it needs or taking active steps to avoid unhealthy foods, you aren’t caring for your body in the way that is most beneficial to your overall health.
  • Exercise: Part of caring for your body is also necessarily going to involve exercise. If you don’t do it regularly, that’s okay. Start small—focus on doing small stretches throughout the day and making sure that you’re eating three full meals, or at least two meals with snacks. Then you can expand to doing exercises that you enjoy, like going hiking or exploring the beauty of your natural environment—just make sure that you are properly outfitted with hiking gear for a safe adventure.
  • Personal Hygiene: Personal hygiene is another important aspect of self-care. Take the time out of your day to take a long shower, make sure you’re brushing your teeth and washing your face, and do something fun for yourself like painting your nails.
  • Full Night’s Rest: A full night’s rest is also a major component of taking care of your body and mental and emotional health. Make sure you have a mattress suited to your sleeping style (such as a side sleeper mattress), so that you get the proper amount of restful sleep each night.
  • Optimal Physical Health: In addition to exercise, taking care of your physical health also means getting the procedures and treatments you need to live a happy life. If you have poor eyesight, for instance, take care of your vision with Lasik eye surgery and get rid of the stress and hassle of glasses once and for all.
  • Enjoy Your Life: One of the biggest components of self-care is making sure you are giving yourself the time to enjoy your life. Whether that means going out to trendy new restaurants, or even letting loose playing for the big stakes with the top online casino games, what matters is that you take care of yourself by making time in your schedule to do the things you like to do.

Additional: even men should be concern to their skin health. Hence, you should try to improve it by drinking a lot of water regularly.

How to Practice Self-Improvement

 Self-improvement is the act of working to better yourself. It is the idea that you can create your own destiny by actively working towards your goals, whatever those may be. Whether you’re goal is to protect your identity to be secured against fraudulent charges on your credit, or you’re aspiring to render a home improvement for the home of your dreams, recognizing your goals is the first step to knowing how to implement strategies for self-improvement.

In order to correctly practice self-improvement, you must be taking necessary steps to betterment, whether that is through furthering your education or excelling in your career.

When considering self-improvement, it can be a little difficult to understand where to start. The first thing to do is the consider some of the things about yourself that you want to change or improve. There are a few key tenets that can help you to decide what you value and how you want to change yourself:

  • Take responsibility for the way you live your life
  • Define what you want in order to achieve it
  • You are constantly changing—take control of how you do so
  • Your habits matter, so change them

Taking into account these tenets, you can focus on what you want in your life and start working towards improving it. Things that people frequently work to change are personal relationships, education, career, spirituality, and health. The idea of self-improvement is that working towards specific goals can ultimately make you a better person.

Conclusion

 Self-care and self-improvement are two vastly different things, but they both matter in their own way. It is all about the checks and balances of life, making sure that you are taking proper care of yourself and your physical and mental health, and making sure that you are working towards a larger goal and working on making yourself better.

Get Yourself Some Stunning Finds At Rosegal.com

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We all know that we Asians has this distinct style when it comes to fashion. Because we really want to be quirky and different in many aspect hence we kinda apply it as well to our own fashion style which I know most of the westerner are starting to adopt these days. And you can see more about our Asian fashion finds below:

Scoop Neck Solid Color Tassels One-Piece Swimsuit For Women

Embroidered Drawstring Pockets Swimming Shorts

Plus Size Crochet Openwork Cover-Up – Cerulean

Actually, Asian fashion are very board on my opinion. Because each countries over Asia has its own takes for Asian fashion like for example in Japan, people there are tend to lively and colorful that they’ve called their fashion as Lolita fashion, If I am not mistaken though, well Koreans are kind mix of westerner and Asian fashion altogether and still it can offer their own uniqueness for their fashion styling. But whatever could be, I think the main key is to learn where these Asian clothing hides for you to learn more about it. And for that, let me share with you this one online shop called Rosegal.com where all the stunning Asian clothing were houses and even sells out in a very reasonable price. Go check the shop now and see for yourself on how awesome it was.

Plus Size Drop Shoulder Striped Shirt

Quick Dry Colorblock Beach Shorts

Polka Dot Plus Size Tiered Flounce Bikini

The shop offer clothing for men and women thus a lot of people are getting crazed with the shop already. Because, beside to the very stylist finds you could get from them they did also offer an free shipping internationally which is rarely to find in such online store and the good thing is, they don’t play on the minimum amount spend scheme like what other shops to offer. Because this shop, Rosegal.com, are very happy to ship out your items for free whatever the total amount is. Yes! that’s how good they are, right? For more details about their finds selection you can click here to learn further.

 

Fabulous Two Piece Prom Dresses At Dressy Women

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i know most of you girls are into preparation already on your upcoming promenade. Because this was the most awaited night date for all junior and senior high. And in this day, as well, the girls may experience to be doll-up and to be look so pretty among the rest. Though the preparation is understandable tiring because you’ll have to find a casual or formal gowns that really fits on your style and the body type you had. Furthermore, you should also get the most fabulous type of gowns to kill as there’s an reward waiting for the most well dressed woman of the night which I think most of you are eyeing about, right? hence let me share with you this shop called Dressywomen.com where all the trendy and lovely prom dresses were houses and even sells out for a very reasonable prices. Go check them out now and see for yourself on how chic their each prom dresses were.

Two Piece Off-the-Shoulder Short Sleeves White Prom Dress with Lace Pockets

Two Piece Off-the-Shoulder Sweep Train Burgundy Prom Dress with Lace

Two Piece Round Neck Long Pink Tiered Prom Dress with Beading

Actually, I have heard them for quite along time now. But I am not that interested or mind to check besides I don’t wear gowns at all..hahha but when my sister is about to get her own gown for the prom I suddenly thought about this shop and yes, they did has all the awesomeness finds you could ever had when it comes to dresses and gowns thus we have ordered one elegant dress to them and with out surprised it has been shipped out already without us waiting for at least 3 days minimum thus if you are looking for the most reliable store to shop with your gowns. I really suggesting you to try this shop first as they offer a great quality of customer service as they valued us really hard.

Two Piece Off-the-Shoulder Long Sleeves Grey Chiffon Prom Dress with Lace Split

Two Piece Bateau Cap Sleeves Sweep Train Blue Floral Prom Dress with Appliques

Two Piece Round Neck Sweep Train Blue Floral Organza Prom Dress

If you are looking for the best gown to have. I’ll be then suggesting you to have any two piece prom dresses. Because these dresses were too demand at the moment and even fashion forwards people are keep on wearing them therefore they’re at least the safest to wear or to pull off in any casual or formal gatherings such like your promenade.

Staying Within Your Budget

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Times are hard and every penny counts. Sometimes even if you have a big salary it seems that it is never enough and you still come up short. If those people with money are finding it hard to stay within their budget, what more those who are living on a day to day basis. That is why it is so important to have a budget and to not go within that budget. It is also a must to be disciplined when it comes to money. Always keep in mind that earning good money is not forever, meaning you are not going to work for the rest of your life. Think of the future and what you will do when you are unable to work anymore.

Unexpected expenses are just that – unexpected. Whatever the reason for that unexpected expense, it still somehow wrecks havoc to your budget. For that reason, we have made some assessments on how those extra savings can come in handy if something unexpected happens.

Traveling

There are a number of ways you can save when it comes to commuting. Use a megarider ticket because with this you will be able to travel as much as you want and can tailor your own needs to the ticket type. Whether you are in need of a weekly bus fares for your travels, or a monthly one — you will find yourself making a huge saving compared to purchasing a ticket daily. Starting off with something small can still make a big change to keeping the money in your savings account.

Did you know that the average motorist in the UK will spend an astonishing £168,880 over their lifetime? Since public transport has become more efficient, it is reason enough to make that decision to take public transport instead of using your car, thus saving you a lot of money.

Servicing a vehicle can cost up to £441 over a twelve-month period depending on the individual’s situation. MOTs can cost up to £168.46 annually. Gasoline can cost a driver £1,052.04. The cost of parking is also rising and there seems to be a higher demand for it because there are more vehicles on the road. When it comes to insurance, this can sway dramatically as younger drivers will find themselves paying a higher cost to be on the road — on average, insurance costs an experience driver £436 every year. Tax can equate to £116.35 on a yearly basis. Car supplies can cost a driver £29.61. If ever you get a speeding ticket, you will also pay a hefty amount for that. So a megarider ticket really makes a difference.

Lifestyle

Smoking

If the rising cigarette prices has not already put you off, knowing that you could save £3,796 (if you smoke 20 a day) should be the motivation for you to quit. MoneySupermarket.com has stated that non-smokers pay around £6,309 less for life insurance, which could be something worth investing in for the new year.

Vaping is an alternative that many smokers are turning to. It is considerably cheaper than smoking.

Coffee

According to research carried out by MyVoucherCode, people in the UK visit coffee shops at least three times per week. This means that Brits visit coffee shops around 156 times a year with an average spend of £8.52. This creates an annual average spending of £2,600, a majority of which could be saved if you were to opt for taking your own coffee to work.

Branded coffee company, Douwe Egberts, has said that a 250g pack of ground coffee can make up to 30 cups. When looking to see how much a 1kg pack would cost, Amazon has priced the coffee at around £15, meaning that each cup of coffee would cost close to 13p. Try taking a flask to work and even buying an on-the-go coffee cup that will see you through the whole day.

Lunch

According to research carried out by VoucherCloud, buying lunch daily could cost you £1,288. It is more practical to cook your own food and ultimately save you a lot of money. You could just make a sandwich or cook something on the microwave.

Unexpected expenses

We’ve all been victim to an unexpected expense, with 54% of 2,000 people asked saying that they suffered from an unexpected expense within the household. On average, these costs totalled £248.70 — showing that any saving is beneficial for occurrences like these. Using the savings you would have made by cooking your own lunch and taking your own coffee to work, traveling smarter, and quiting smoking, will definitely make life easier. Change the way your life is going by thinking smarter this 2018.