Monthly Archives: April 2016

Household tips; Bins


If like us you have several bins around the house, (bathrooms, office, bedrooms) then here’s a simple little tip to make managing them a little easier.

It’s a pain sometimes when you have a bin which needs to be emptied and you have to go off and find the right size bin liner from under the kitchen sink and go back upstairs to line the bin, so here’s what I did;


I bought some extra rolls of cheap bin liners and left one in the bottom of each bin so it is always on hand, I can then simply take one and re-line the bin all ready for use.


Now if you don’t want to have several rolls in the house as some of these have up to 100 liners on them, then simply remove a number (say 10) and leave these in the bottom of the bin, or if you have any supermarket carrier bags, fold a leave some of these there ready (you could even colour coordinate them if you are that way inclined!!

Hope this helps….



Yes, I am guilty, guilty of Tax avoidance, and you probably are too….

My conscience is clear though because it is perfectly legal.

I have a ISA…. Shock horror!!!!

And why did I take out an ISA?


and as I have had NO income since stopping work 6 years ago, I have also transferred part of my tax allowance to my husband so that we pay a little less tax and get a little more of his not very high wage. 

This is perfectly legal, in fact our government and tax offices encourage it.

Yes I question the morality of some of these super rich schemes, off shore investments etc, but the fact is that they are not breaking the law.

Now Tax EVASION is illegal, that is; not paying tax that you should . (by the way, did you declare the income on that little job you did for cash “on the side”?…Yes? Well done you… You can stay on your moral high horse)

Truth is, many of the people who make these laws are the ones who benefit from them so I suspect that nothing is going to change there,  but I have got a little irritated by those pointing the finger condemning those who are in a position to take advantage of these laws; can any of us honestly say that we would not arrange our finances in the most efficient way to minimise the amount of tax we pay?

I thought not…

Rant over