The last holiday photo album that graced my shelves was of an inter-railing trip around Europe with my band of friends in the summer of 1998.
With a few disposable cameras in tow I got seriously snap happy as we traversed our way through European capitals including Prague and Budapest and lesser-known stretches of the continent such as San Remo in Italy – God knows how that one slipped onto our holiday itinerary.
The less than A-grade photo collection chronicled dodgy summer fashion choices, nights out that we'd rather forget and our numerous dalliances with cultural attractions including trudging our way through one basilica too many.
Over a third of people will dip into their savings this Christmas to cover the cost of the festive season and some will even use their overdraft. According to a recent MoneySupermarket poll, some 24% will use an existing savings account to finance the winter holiday and an organised 10% will use a savings scheme which they've been adding to throughout the year.
With a maximum of just two more paydays until Christmas, one in ten people will be rocking a financial hangover in the New Year as they plan to put festive spending on a credit or store card.
While plastic can be a temporary solution to low disposable income, one expert has been warning shoppers of the dangers of opting for increasingly popular cashback cards.
Sarah Pennells, founder of the Savvywoman financial website, said that this type of card is appealing mostly to high spenders, as customers would generally need to spend well in excess of £1,000 a month to make the card "truly worthwhile".
I started a new tradition this year by taking a family picture on every birthday we celebrate between my husband and I. Let's just say that after four out-takes, the picture I finally settled on is less than any-thing to brag about. It's hard enough to get your dog to look at the camera. Add a birthday hat to the mix and we have a disastrous photo shoot.
That large metal stick you see in the centre of this picture is a camera
extender pole that my sister gave me last Christmas as a novelty gift.
It works pretty well when I try to get a picture of just my husband and I
but doesn't work that great when you try to get your pet in the shot as
well. Thankfully, I'm a much better photographer when I am actually
physically behind the camera. While Bella may be my number one model,
she's not always a willing one.
As the colder weather begins to set in, more and more people are beginning to focus on what gifts and presents they will distribute to loved ones this year. Christmas can be an expensive season and, with the current state of finances showing little sign of improvement, households will want to find ways to give the perfect gift without spending a fortune.
Photographs and art work are perhaps some of the most versatile gifts
which can be given at this time of year. Not only are they personal but
they are also unisex, being just as suitable for men as they are for
women. Photographs, therefore, make the perfect gift for both friends
and family members so how can you save money on them?
By SavooStaffGuest Blogger
Christmas and New Year
Digital cameras and camera phones are commonplace in most homes, meaning the exciting days of taking your photograph films to be processed then showing friends and family are over. Unfortunately, this often results in the pictures just being saved to a computer and forgotten about - very few of us print the images out and put them in an album. Digital photograph frames are today's version of albums but they're even more convenient and social. Visitors to a home can relive and share memories, sometimes when they least expect it if a particular picture pops up in the slideshow whilst they are having a cup of tea and a chat. Many frames come with a remote control so they're also great for inviting loved ones round for a social screening of the Christmas or holiday snaps.
Digital photo frames have gone down in price over the past couple of years so they're a great Christmas gift for people of all ages. Different sizes and key features will suit various friends and members of your family so if you're not sure which digital photo frame to opt for, here are some tips to help you on your way.
Well, that's Easter done for another year; the four day weekend just flies by, doesn't it? But on return to work on Tuesday morning I was scanning the papers and I saw research that's been conducted by Carphone Warehouse into the cost of mobile phones in the UK and the long and short of it is that we are losing a staggering £5 billion a year.
The research went into more detail saying that we could all save as much
as £194 a year if we just spent a few carefully planned minutes doing
some research into what the best deal is for us as individuals. Of the
£5 billion extra charges, £174 million comes from charges for accessing
data from the internet via a network. Outrageous, surely?