Friday, 14 September 2012

Saving oney is good for your health

Just a quick Magic Bean for you today,

Something you may not think about when you get to University. Hopefully they've had you change your doctor to a srugery near the University. But they may not have told you about the NHS Low Income Support certificate you can get for help with prescriptions, glass and dentisitry

I don't want to tell you false infromation so I've just popped a link down for you here. Fill in a form and send it off (you can get a form from any GP)  and see if you qualify for help with prescription costs.

Have a good weekend Beans,
Much love,
Hannah Emily Rose.

P.S Dont forget to follow

Thursday, 13 September 2012

Food glorious food!


Hope all you Beans are well and settle into your new digs. Some of you will be frantically packing, other frantically unpacking, but take a chill pill just for a min and sit to read you fav blog!

Yesterday i did a little guide to moving in and realised that there was far to much to talk about in one post. So leets break it down a little bit more. So for you lucky beans today im taking you through a little guide to supermarket shopping

My Top 5 tips for Supermarket success

1. "Such a cheapskate" 
You've got to the store, you've nabbed your trolley where do you head..... All retail stores, including food shops have uber-smart and crafty retail people that creat a customer journey. It lead you round the store in a particular way "assisting" you but particular (more expensive) products. Dont fall for it. Most stores have reduced sections. My local tesco has two! Head there first!!! You may seem like a cheapskate to all your friend but this is one of the best ways of being able to afford some nicer products. Meat for example. The other day i picked up 6 pork loin steaks for £1.89., cooked one for me dinner and the rest went in the freezer. Cheap as chips!!! Well... actually cheaper

2. Jo Brand
Sorry No Brand! I know my puns really are dreadful. This is so simple and i know you all know it. But tesco shampoo and fancy shampoo - both wash your hair!!!!!! Tesco value ham, tastes pretty darn similar to the branded stuff! Cereal is the worst offender. Some of my housemates were buying 2 packet of £3 cereal a week when tesco did an alternative for 60% less. Just give it ago, some times you can be surprised. Im a sainsburys value range tea convert. Its better than most brands ive ever had!

3. Join the club
Normally you say loyalty card to me and I run in another direction. But supermarkets is a whole new kettle of fish! Sainsburys Nectar points and Tesco clubcard is your way of earning back a little bit of money to spend ion store. Or reward points to spend on swanky meals, holiday or themepark tickets!!! Dont mistake this with the credit card. You just want the card that you wsipe or scan at the till point.
In my year at uni ive earnt £10 of points. I still have no idea what im doing ith them, but im sure i'll post about it when ive spent them

4. Super Market Super Team
Ever wondered why, when you go to the shop for just you it coomes to £30 and when your mum goes it comes to £50 for 3 more people!!  Thats cause you need to team up. Perhaps not in your fisrt week, you want to suss out who you want to go together with. But perhaps jsut sharing some items will reduce both your bills. Like bread eggs, milk, vegtables. All the things that have quick sell by dates. Buy together and you'll hopefully reduce your waste to!

5. Trolley Dolly
Simple but effective. When you put things into a basket you end up piling it on top of each other and not thinking about how much money you can be spending. Get a nice big trolley and then you can keep an eye on your budget!

Hope you have enjoyed my frugal Beans
It bean fun

I'll go now
Love Mummy Bean

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Wednesday, 12 September 2012

Flying the nest

Hello Beans

I would tell you to slap me on the wrist, but beans dont have wrists....
I've been away on a bit of a budget holiday and have been a little bit neglectful. But im back! Today marks one week till I move into my house at Universitiy. BOM,BOM,BOM. Theres so much to do!! Im also well aware some of you Uni student will have already moved and some of you will be enjoying your freshers week! So I'm going to try and do a few different posts for everyone this week.

So a bit of a catch up. I'm about to go into my second yeat at University of Winchester studying drama. I live with two fantastic girls in a little flat near the uni, when of course im not with M+D in Yateley. The boyfriend has been kind enough  to take me up to Winchester over the summer so A. I can keep my university job and B. To move some stuff in a little early. Studying drama I am near depresssed to find out iwill only be studying 6 hours a week for the first semester so I have spent this summer starting budget projects to continue in my "study time". I'm a bargain hunter, a homemade princess, I've had to be tight on the purse strings... how else will i find the money for my expensive shoe habit! So now I'm trying to pass down a bit of knowledge, some i got from  M+D and other stuff I've learnt from First year Fresher mishaps! But all I hope, will help you have a great first year at University, withoutspending a fortune!

Enough about myself. Lets be on with the blog. Today im going to give you my little tips to help you in your first week of halls, without blowing the budget

My top 5 Tips of Moving into halls!

1. Feeding the Five thousand
For alot of people first time away from home means the first time you will be doing all your food shopping... how exciting!....... Some fo your parents will stock you up and other let you fly the nest and fend for yourself, but dont blow your student loan in one week! Cheapest places to shop are of course supermarkets. Unfortunatly not all universitys have them in walking distance, my nearest big supermarket was 45 minuteses walk away when i lived in halls. A bit of a bitch if you have a lot of bags.. or ice cream XD. Im lucky enough that my boy used to take me and my housemates to stock up occasionaly, but when he wasnt around i used to get the free bus. My supermarkets operate these buses once a week to take you too and from the store for free. Fab! If you either dont have one in your area or its not on the right day, dont assume that the regular bus will be cheaper. If your going in a group of 4 or more the bus would cost you over a £10 in some areas, and take you all around the houses. Sharing the cost of taxi may not only be quicker but save a little cash too.
I have suddunly reaslised how much i could write about this shopping malarky, so i think tommorow may have to be a bit of a guide to the likes of Tescos!

2. Making a halls a home
For me, the strangest bit about halls was how bare the room is when you come into the room. YOu really have to try to make the room feel homly. But dont blow the budget!! Next year you may be in a house with a double bed or furnished so dont spend a fortune on a duvet that you may end up just having to store the next year. I am very guilty of this!!! I just used a tesco value duvet and blankets if i got cold. Brought a reasonable duvet cover from primark and already the room felt a bit more liek mine. I covered my walls in pictures at univesity. But all those photos can be pricey!!!! Print them off yourself and your going to drain your printer. So if your printing over 10 pictures pop to your tesco, boots or asda and use their photo service. The more photos you print the more the price of each print goes down. So ask your friends at home too if they want anything printed,. Dont give into the instant print either. At tesco this will cost you sometime 150% more!!! Be patient and you can save yourself some cash.

3. Meet and Greet
Meeting new people is daunting enough. My current housemate for this yeat was greated by my mother, who practically attempted to adopt her the moment she saw her. First of all, get mum out the way!!! And what i found really worked was a little girt from home. Some people just brought a tin of sweeties but a batched of homebaked cookies of cakes will do the trick too! If your crap at cooking, tesco do a chocolate cookie mix for 80p! No-one wil ever know!

4. Bills, Bills, Bills
Don't be ashamed to admit we all mis M+D now and then. We can end up on the phone for hours with friends and family but watch that phone bill!. Skype is an excelent free alternative and if you get yourself a webcam you can see your friends too!! The boy has even got skype on his phone so i can call him off my laptop to his phone at any time of the day for free. So it makes all the I love yous a little bit cheaper

5. Playtime!
Bonding with your housemates can be so tricky. Go to the pub and theres so many new people you may just end up in silence the whole night. My and my housemates just used a simplae games of sticky face. Pack of post-it notes and pen is all you need. Write the name of a person that they will either know or have heard of. My favourite was always fireman Sam... or Jesus. and stick the post-it note to their head. You then go round each asking a question about the person on your head and let the hilarity begin. A girl in my house last year had Obama and when we told her it was the presdient of the USA she sat dumbfonded for a while before proclaming the BAMA BAMA BAMA. Was his name. Don't worry, she isnt studying politics.

Hope your all settling in well
Much Love Beans


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Friday, 24 August 2012

Happy Birthday Beans

Time to celebrate Beans,

My bestie Bean has just turned 21 so big Happy Birthdays to her! Birthdays can get so expensive when your at University especially when most students will turn the big 21 in their 3rd year. But you can still but great thought into pressies without putting in all that cash you can't afford!

Here are my Top 5 tips for doing a presents on a budget!

1. You don't plan to fail, you fail to plan
Organisation people! You may have got this your ear from your parents or teachers and never really paid attention, but despite how much us students endorse the fact that anything done last minute normally goes... alright but realistically if we want to budget properly then we really need to plan. Depressing as it sounds I already have a list of what every friend and family member is getting for christmas, have a draw with everything I've already brought (or plan to re-gift) and I am eyeing up christmas cards to start writing early! You must set a present budget, write it down on a big peice of paper so you dont over-spend!! Then divide up your budget between your friends (at xmas) - some people prefer to write out ideas and vague costs first. I write down exepcted price because then you stop your self from thinking about that really expensive broccoli steamer for your mum and you think at a more attainable level.
Don't forget parties as well! Half the reason we spend so much at christmas and birthdays is all the food and drink and partying. Plan that into your budget too, and make it a challening budget. Then you will really think about what your spending

2. The incredible Bulk
Bulk buying is a fab way to keep costs down for birthdays, and it doesnt have to be unpersonal. Places like The Card Factory often sell cards at 10 for £1, you have to search for the decent ones but they are great as a back up card when your being forgetful. If you like to buy choccys and thing for people then perhaps of instead buy a carton of roses or quality street for people, just get some polythene bags and some ribbon and make little gift bags. You can perosnalise the tag and it will mkae it look like you'vve put way more effort it!

3. From the heart
Homemade presents always go down a treat. And well in the knowledge that this friend isnt reading this i can divulge what im making for her birthday!!! Shes really into the vintage scene, so i popped to my local habadashery at brought a square of floral material. using a cookie cutter i drew out as many shapes of hearts i could fit on (do this on the non-patterned side, in a light colour!). Then cut all your hearts out (really you only need 2 cut outs - but you may aswell bulk make so you have more when xmas comes around). Place your hearts together, pattern side out and stitch them together round the outside leaving a 3cm gap. Grab an old pillow and rip a hole in the top, and put some that pillow stuffing into the heart. You can then pop some drips of oil in if you like, or just stich the heart up as perfect little decoration. I'll pop up a little demo online later, as i can't sew for shit it will prove that anyone can do this!!

4. Get Baked
No, no students. Im not suggesting anything herbal!!! But baking make great little prezzies, do a few cupcakes with peresonaliesd icing and maybe some little earrings and you have a fabuilous prezzie. I love decorating so for xmas i'm making a hamper of all the things she loves in cookie form, im even making a cookie cigarette packet!!

5. Early bird get the worm, and the cheapest one too
I have begged you students a few time before to start doing this!! Summer sales, and even the xmas ones too!! Stock up on xmas pressies, not only arre the little bits of jewellery or clothing great last minute pressies for any forgeten gifts. but you can pick up loads of novelty items ike marmite mugs or book wines really cheap in these sales in places like BHS or Debenhams! Take advantage, dont say, o well im going to lose it, keep a safe place to hide everything and it wont go missing!

Happy birthday Beans
Love to you all

P.S Dont forget to follow!


Thursday, 16 August 2012

Get fit for not even a fiver!!

Hey Healthy Beans!

Apologies for such a late bog, i did write this on monday but i didn't press the publish button!!! silly me!
I have mentioned before I am on diet as all these pesky beans are great because they are low in fat!! But you can't just diet to lose weight you gotta get exercising too!

Here are my 5 top tips for losing pounds without losing the pennies

1. Coach potato to athletic sensations
Watching the Olympics, thinking you could do tat, of course you can!!! Well no probably not. But you may get inspired to take up one of the sport you see on the telly! But some of these sport can get pricey. The average price of a judo class is £6 a session. Do really learn a sport and to get fit you should be exercising 3 times a week so thee classes could cost you £18 a week or £78 a month! But there are tonnes of sports you can do for free and I've found one where your not even on your own! C25K, you may have heard of it. An NHS course run by Cool Running is a plan to get you from running for 1 minute to 30! I'm on week 3 at the moment in which you run 1 and a half minutes the rest then 3 minutes then rest and repeat. You need to be committed and it will work mum can now run for 20 minutes!

 Here is a link

2. Guna ride my bike until i get old
Want to save money on fuel and exercise, get cycling! I've nicked my mums bike and ave just been doing lots of different local routes working up my miles. Try and time your self and measure the route - i put it into Google and use an album tat i can know the exact timing of to cycle too. Eventually your stamina will improve and you'll be able to do longer and longer distances

3. Beans beans the musical fruit
Ever seen all that fancy gym equipment and wondered how expensive is it. Free, AND IN YOUR CUPBOARD! To get rid of your bingo wings, while your watching the telly pick up a tin of beans and use these as weights! Yours stairs are fantastic as steps, i pop my laptop onto about the fifth step and get stepping for a good 30 minutes. Have a mosey on youtube and you'll find free tutorials on so many fitness routines from cardio to yoga. Not costing you any pennies

4. And that little piggy went wiiiiii all the way home
If whats putting you of exercise is leaving the house don't panic, tonnes of people would be frightened. So look whats in your house. My parent brought the wii fit 2 years ago and its nearly gone unused. So get on it make a profile and have a gone. Dont have one? Then pop to the charity shop and i guarantee they will have an exercise DVD or two to pick from. Cheap as chips - well cheap as potato wedges done in fry-light!

5. There is no better price than free
Gyms and slimming clubs are always looking to get new members so have a spy about and find out what deals they have. I have some fab news, Kinetic Gyms are offering a free 5day pass. Even if you jut pop for a swim or to a zumba that's still £5 saved! If you really are set on joining a gym the have look at local university's, most take members of the public but can be half the price of some chain gyms!

Remember your 5 top tips a day!!!

Love Hannah

Dont forget to follow

Monday, 6 August 2012

Time to set Sale

Hey Beans,

Everyone has a favorite season. My dad like Autumn;  my brother and me go back to uni. My mum likes winter; her birthday and Christmas all in one month . My brother likes spring; lots of Easter egg to nibble on! And i love summer. For one beautiful reason. I cant stand the heat, i never get a tan and my body has never been bikini ready but theres one summer event I've never missed.... the sales

Of course not me attempting to make you jealous at all i thought I'd show you my beautiful purchase from this weekend

Now Beans don't panic I've not gone crazy and spent all of my magic beans on some frivolous selfish purchase! These shoes are not only a symbol of absolute beauty they're a symbol of my hard work and savings!! Thats what this blog is all about. Making your money go that little bit further so you can have these little luxury splurges.

My top 5 tips for Summer Sales

1. Be in the know
I'm not talking just a ... oh monsoon sale is July. Beans we need specifics!!! Having worked in retail for 4 years im normally chatty anyway but even if you are a bit of a grumpy gills get talking to the ladies behind the tills!! Sales assistant will deny it most of the time but as we head into June most will know when the sales are going to be in on in their store. Another little tip, if you know a sale is coming up in the next week try and pop in to the store for a browse; cause little hints can tip of what items will be going down. Some stores just move departments others mark all the items with a coloured dot or a number (which normally correlates to percentage off the item). Most stores go into sale mid week to- so try to pop in for some late night shopping. Near me Basingstoke is fab for evening shopping! It always less crowded, no queues for the fitting rooms, and you can get in before the weekend traffic nab up all the bargains

2. Early bird catches the worm but slow and steady will win the race
Patience is a virtue, yes i have now taken to reciting Chinese proverbs but it can be true in the mind field that is the summer sale! Stores aren't stupid. They aren't holding sales out the kindness of their heart they're doing it cause they're trying to get rid of old stock and make a little bit of a profit! So most sales start of at 30% then creep up and up until you can sometimes get 70% off. Yes some of that stuff can be a load of old rubbish even your crazy aunty Meryl wouldn't wear but sometimes you can find little jewels! One of the best for these amazing knock-downs is Claire accessories. What I've found with Claire is that because their target market is pre-teens and Justin Beiber addicts some of their more grown-up items get shoved into sale. It might take a little bit of searching but yesterday i brought 5 sales items for 5 GBP!  Bargain! So not only did i get a little bit of jewellery for myself i also got a few jokey presents for xmas!

Blah, blah, blah.. boring budgets. I know, but its so important. Sometimes we can see how much money we would have saved and not thought 'can i actually afford this?' Just because there's 50% off of a pair of Louis Vitton still means they're at least 150 GPB and i don't know any student who can afford that. Perhaps instead pop inb some key description words of the shoes you like into maybe new look or topshop website (like platform, court, nude, black, studded) an see what they have that similar, this may mean you have to wait a little bit longer but the cash is well saved. What the point of having beautiful shoes if you have nowhere to wear them?

4. Wana be frugal... turn to Google!
As a completely addicted on-line shopper will tell you there are bargains to be had, but despite millennium claims that eventually we would never leave our house and out entire lives would be delivered to our doors we are still venturing out into stores. Before you go out though pop onto ASOS, BooHoo or maybe Simply Be. These on-line retailers don't have stores so don't have to pay for renting the space or the extra staff. This way clothes prices can be kept down and your the one who gets the saving. I always have a little scourer before i go out to make sure i don't miss out on a good deal

5. Buyer's remorse
The panic buy. I'm certain we are all guilty. My most fatal was a black and pink rag like skirt I brought in hast in boxing day sale of 2007 in M&S. Apart from in that fitting room (where it was the only thing that fitted) it never got worn again. You really have to watch this, so many stores don't do returns on sale items. You can most likely get store credit. But if you've brought a questionable dress and decide that you need to actually perhaps pay some bills with that money store credit ain't guna get you far.

Most basics like jeans and plain tops never go on sale cause they sell all year. So sign up for GAP VIP emails and you get invited to 30% off events throughout the year. They also let you know when the sale is coming up and they're sale you can get some real bargains!!

Happy Shopping
Much love
Mummy Bean 

Thursday, 2 August 2012

A little bit of T.L.C

Good evening Beans.
Been having a massive tidy up today but now my room is spotless i treated myself to a little TLC. Some off us girls will head to a spa or salon but I did it the budget bean way!! I told you a few weeks ago about my youtube tutorials i watch. Well Ive gone from novice nail design to a pro and i thought i'd do you a little tutorial. This was a new one that i'd never practiced before so don't judge to hard! But here is how to get V.I.P Nails ...

1. Here's what you need...

2. Give your hands a good scrub!! I use Soap & Glory...

2. Choose and paint a base coat...

3.Apply some scotch tape creating an upside down v shape

4. Paint a second coat in a different. I went for a black against my bold pink!!!!

5. Top it off with a clear coat and a spritz of hairspray to make it dry a little faster

And there you have it! A cheap way to get fabulous nails that everyone will notice!!!
Enjoy your beans