In this current recession, is it actually possible to live within our means and save money? Everything, including our blood pressure, is constantly on the rise. This is causing an alarming number of stress-related disorders, including skin problems, weight gain, hopelessness, vulnerability, and depression. It may seem like the only way out is to find cash loans that can repay the unpaid debt. However, this is not always the case, as it is now just as difficult to obtain credit with highs street banks, as it is to retain an A+ credit rating. Fortunately, there are numerous ways to save money, and this article provides several ways on how to do this.
Natural Skincare and Hair Care
There is an obsession with growing old and a need to retain our youthfulness. There are thousands of skincare products on the market that claim to prevent the formation of wrinkles, but the patented ingredient included in these formulations can give the product a high price tag. One of the easiest and most effective ways to prevent the formation of wrinkles is to manipulate the skin with ingredients that nourish it from the inside out. The skin is the largest living-breathing organ in the human body and whatever is placed upon it is absorbed. Therefore, it makes sense to use only edible ingredients on the skin, including cocoa butter (abundantly found in milk, plain and dark chocolate), Shea butter and coconut oil. These ingredients can be purchased online.
Many hair conditioners contain coconut oil or coconut oil extract. This ingredient is used because it is incredibly nourishing on the hair root, but a cheaper and more effective way would be to apply pure natural coconut oil on the hair. Leave it to penetrate from root to tip and wash it out the following day to encourage smooth shiny locks. Coconut oil treats hair frizz and leaves it smelling pleasant and fresh. In addition, coconut oil can be used in cooking, as the oil can be heated to very high temperatures without oxidising.
Most of the shampoos available in shops today contain either sodium lauryl sulfate or sodium laureth sulfate (SLS). This ingredient is a foaming agent used in shampoo and toothpaste to make us believe that the foam is cleaning our bodies and teeth more effectively. However, SLS is also a skin irritant and there is currently not enough research into the long-term effects of using SLS type products on the body.
Cash Individual Savings Accounts (ISA’s) Are Tax Free
All money that is saved in a cash individual savings account is tax free and up until April 2013, it is possible to invest up to £5,640. From April 2013 to April 2014, the ISA amount rises to £5,760. However, any monies that are withdrawn from the account cannot be replenished during the 12-month period. Some bank account providers may not charge for a withdrawal, while others have a nominal fee. Always read the terms and conditions before opening up an account. The interest rates also vary as some banking institutions will allow an ISA to be opened with just £1, while the higher interest ISA’s may require a deposit of £500 or more.
Save Money and Protect the Environment with Natural Anti-Bacterial Ingredients
The cleaning business is worth £10 billion. We may need to buy one kitchen and bathroom product each month, with the prices varying amongst manufacturers. Natural cleaning products are expensive, so why not make one with distilled water and twenty drops of lemon essential oil. Lemon is anti-bacterial, smells fresh, and prevents air pollution in the home. A 20ml bottle of lemon essential oil will cost somewhere in the region of £3 to £6, dependent on the retailer, but can last an average 12-18 months if used only in cleaning products.
An alternative solution to keep the home clean is to invest in a small hand held steam cleaner. The nozzle is small enough to clean the kitchen, under the toilet and it will leave mirrors looking sparkling clean and mark free.
