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Shoppers’ Christmases comes early with sales starting in December Gone are the days when January sales started after Christmas; today there is a growing trend towards pre-Christmas sales. Space exploration: home improvements can add quality and equity There are several options for people who want to create extra space or new rooms in their homes without the hassle of moving, or to add value to the property. These solutions can be very sound investments and more affordable than moving, and secured loans are available to spread the cost. No cheques please, we’re plastic: paper-free payments by 2012? With cheque-books gradually becoming a thing of the past, consumer culture in the UK is moving ever-closer towards ‘paper-free’ payments. Whilst predictions suggesting we could be entirely ‘cashless’ by 2012 may be a little premature, the fact remains that it certainly looks a safe-bet at some point in the near future. Can severe debt problems lead to mental illness? More people in the UK are falling into unmanageable debt as the credit crunch bites, and the Wales Centre for health is investigating the impact severe debt has on people’s mental health and emotional well-being. Mortgage approvals fall again Figures produced by the British Bankers Association show a third successive monthly fall in the number of mortgage approvals; further evidence pointing to a slowdown in the housing market. Taking Beauty Gifts to the Next Level If you think that body lotion and face cream is slightly unimaginative as a present idea, it’s time to look at a whole new era in taking care of yourself. The Benefits of a Bag for Baby Getting organised in advance is the secret to making sure you don’t forget to take any essentials with you when you take your baby anywhere. Christmas shopping for men - simplified! As Christmas is just around the corner, there are a few things to keep in mind in order to make Christmas shopping for the man (or men) in your life as trouble-free an experience as possible. Making the make-up trends for this winter work for you It's fun to follow the newest trends in make-up following all the fashion shows - but the results could be disastrous if the looks are not tuned down. Learn the key to making this season's make-up trends work for you. A warm, winter coat or another passing trend? Have both this winter! Now that we have sadly packed away all of our summer clothes, most of which did not even see the sun, its time to get pumped and concentrate on winter fashion. Coats are the "in" item this winter and thankfully what's in style is wearable, fun and looks great. Hotels in London to be ‘green-graded’ The London Development Agency is introducing a new pilot scheme encouraging hotels in the capital to have their green credentials tested. The scheme aims to help hotels reduce their impact on the environment and at the same time cut their costs. More young people in debt and resorting to personal loans to keep afloat Research carried out by young people’s charity Rainer, has highlighted the fact that almost eight out of ten young people have taken out a loan before the age of 21 as they adopt being in debt as part of modern living How safe is your second-hand car purchase? Many people set their heart on buying a second-hand vehicle without consulting their head. Getting an independent vehicle inspection before buying will help sort out a good purchase from a lemon. Bite the Budget and Make Your Future Brighter People who can manage their money well are also those who can budget well. So, how can a budget benefit you when your goals are long term in nature? Free calls to friends: the story continues For some years now the cost of making phone calls, particularly international and mobile calls, has been falling thanks to new technology. But, are you getting the best deal? Hershey, Pennsylvania – the town that chocolate built The town of Hershey was built on chocolate and the principles of its Mennonite founder - Milton Hershey. Taste Catalan culture in Barcelona A city break to Barcelona is the perfect cure for the blues. As a destination, its close enough for a short break, and with plenty of things to do and experience, Barcelona remains a favourite destination for Brits. Revolutionary new credit card debuts in US A new credit card has been launched in the USA that could be the trailblazer for those that regularly shop on the internet Shop till you drop in the big apple New York City is a shopper's paradise. Whatever your imagination conjures up, New York can deliver in any one of the thousands of shops, malls, department stores and small boutiques A break away from Ireland: Change your Guinness for a continental lager More and more people are choosing to escape Ireland for a break away from the Emerald Isle: as winter approaches, is it your turn to hop on a plane? Skiing Brits find eastern property promise in Bulgaria Bulgaria is proving ever more popular with skiing Brits who are snapping up cheap property in ski resorts around the country Looking for a loan? You're not alone. If you need to borrow some money, a personal loan may be the best option, and avoids risking your home or car.

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