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Average UK consumer burdened by £4,500 credit card debt

The following is a guest post from Jamie Samson. Jamie is a freelance writer and finance blogger who is currently enjoying life on the continent. When not comatose on the beach, Jamie writes editorial and advice pieces for some of the UK’s most authoritative websites.

Off season shopping to save money

So cold, you guys. So cold.

Hey, guys!

So, one of the basic tenets of frugal living counts on purchasing everything off-season. I'm currently living in the midst of the polar vortex in Canada, which means although all I want is to buy a bikini and fly to Australia, the cheapest thing I can currently buy is... winter stuff. Which is, coincidentally, the last thing I want to buy when it's this cold and I'm tired of winter.

Frankenstein yourself a new Halloween costume using older pieces!

So, it's no secret Halloween is my MOST FAVOURITEST HOLIDAY EVER EVER EVER. This is mainly because I like to dress a lot of the time like I'm in costume anyway, so on Halloween, I get to go ever more over-the-top. Plus? Everybody else is in costume, too!

The Most Wonderful Time Of Year!
But you don't want to show up in the same costume as half the other people at whatever party you're at, though, right? Read on to see some ideas for original, not-yet-overdone Halloween costumes.

Do you need to be rich to be a minimalist?

So, this post is inspired by two things. First, this article from the New York Times.

And then, this response to it on Tumblr.

Read them both. Or if, you just have a little bit of time, just read the second one. Or, if you really seriously don't have much time, read this:

Extreme savings: how to save money like a crash dieter

Warning: these tips are not to be used for long-term planning.
Also warning: I have no credentials at all to offer financial advice.

So, saving money and being good at finance is kinda like eating well and being healthy, right? We all know what we're supposed to do for both:

To eat well/be healthy: cut out processed foods, eat more vegetables, exercise more, etc.

To save money/be good at finances: stop buying things you don't need, stop using your credit until it's paid off, etc.

But sometimes you just need to lose 10 lbs to fit into a dress for a wedding, and sometimes you need to save money really quickly for a trip or something. So here are some tips for CRASH MONEY SAVING which are not sustainable in the long term, but will help you reach a short-term goal.

Don't let the cold weather cramp your style

Hey guys! So where I live, it's -42 with the wind chill. Interestingly, that's the same number (pretty much) in both Fahrenheit and Celsius. Wherever you are, it's TOO COLD TO LIVE.

Shirley T here is on a soundstage, because that hat is
not warming anybody's head when it's 40 below.

That being said, just because it's too cold for polar bears doesn't mean there aren't ways to look your best!

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