MSE Alana

Shaving the price off expensive cosmetics

It may come as a surprise to some that not everyone in Money Saving Towers is tight with money. Generally I’m good when it comes to banking, credit cards etc (well, I do work on the money team).

When it comes to shopping, I tend to choose the things I want carefully, then research whether I can shave the price down in any way possible (eg, cashback sites, discount vouchers). However if I can’t cut the cost I’ll usually still spend the cash, though at least in the knowledge that I tried.

One area in which I find it particularly tricky to save is on cosmetics, as big name brands just don’t do seem to do discounts. One of my favourite make-up brands, MAC, never reduces prices.

The only way to I can find to get them cheaper is to buy while on holiday in America, and even I don’t buy enough make-up to make a saving doing that!

However, I recently made an exciting discovery – Debenhams sells MAC, along with a wide range of other expensive beauty brands. While the price is the same as in stand-alone MAC stores, Debenhams currently has a voucher where you can get 10% off beauty products and delivery’s free if you spend over £30. Full details in Debenhams Discount Vouchers.

It ends on Fri 10 February though, so I’m stocking up while I can!

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MSE Penny

It’s January, Christmas is over, and we’re all a bit fed up with the grey, rainy weather. So here at MSE we couldn’t help but perk up when we saw the lovely spring/summer fashion collections in the magazines we receive (for research purposes, obviously).

Designers from Prada to Mulberry are predicting pastel colours, girlie prints and 50s skirts for this spring. However whilst we gazed admiringly at the lovely designs, we weren’t too impressed with the price tags. What’s a girl to do if she wants a wardrobe spring clean on a budget?

So we had a look around and noticed some high street stores were bringing out dead ringers for designer items. And the best thing is, they won’t break the bank. Now to tell Martin we’re off shopping (also for research purposes…).

The cat dress

I think Victoria Beckham’s new ‘affordable’ spring/summer 2012 collection could be her best yet, with the cat dress design set to fly off the shelves. But at £500+ a pop, it’s not really going to be a payday treat.

However, Debenhams has brought out a really cute cat dress of its own for just £25. And until Fri 10 Feb 2012, you can get an extra 20% off, making it £20 (see our Debenhams Discounts page).

The 50s top

Prada’s S/S collection has definitely caught my eye with its 50s designs and pastel hues. You might’ve noticed Dakota Fanning gracing the cover of February issue of ELLE in an adorable blue top with cars on it. Prices haven’t been released yet but I can imagine it will be worth well over £200.

Well, imagine my excitement when I found out Primark would start selling almost exactly the same design for the princely sum of £8 (pictured here). It’ll be in 100 Primark stores from mid-February.

The evening dress

Spring and summer also mean wedding season – and for many this means new dresses (though why aren’t you recycling…??). I spotted an Alexander McQueen-style dress (without the £900+ price tag) at Oasis that’ll leave others green with envy. It’s £65 but there’s a 15% off & free delivery code that’ll bring it down to £55.25 (see our Oasis Discounts page, code valid till 31 Jan).

The girly bag

Asos has a great selection of pastel coloured clutch bags including this lilac one for £15. They’re very similar to Michael Kors ones which cost £495, and you can get them for a fraction of the cost.

These are just a few examples of great new items you can add to your wardrobes for less. If you’ve seen something you’ve loved in a magazine or catwalk show, chances are it’ll trickle down to the high street, with shops bringing out similar designs for less. So keep an eye on our High St Sales and Discount Codes pages to get ‘em even cheaper.

Please tell us about your own ‘designer’ bargains in the designer fashion on a budget discussion thread.

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MSE Penny

With the party season well and truly under way and the big New Year’s Eve night almost upon us, the pressure’s on to look your best.

But the price tag of a new outfit might leave you less than impressed. Fear not. We’ve all got one (or more) little black dresses (or LBDs for fashionistas) at the back of the wardrobe, and here are a few tips on jazzing them up to create a whole new outfit for next to nothing.

And the best thing is, you don’t have to be a genius seamstress. If you can sew a button on, you’ll be fine.

Pimp my dress

There are lots of ways you can jazz up an old dress on the (very) cheap. Simply sew on some sequins, a corsage, tassels, lace or whatever takes your fancy around the neckline or hem and you’ll end up with a dress that not only looks fab, but that no-one else will have.

Our Health, Beauty & Fashion MoneySaving forum board is great to swap tips on recycling outfits.

Great places to find add-ons for your outfit are charity shops, which are full of old brooches and jewellery which won’t cost you the earth (and will be money well spent on a good cause).

Primark is also fab for cheap accessories and right now you can pick up a few bargains in the Accessorize sale (see our High Street Sales page). If handcraft isn’t your thing, a statement necklace or some print tights will liven up a look in no time.

Not got an LBD?

Not a problem. If you have an old dress lying about, just buy some black fabric dye (Dylon dye costs about £5 in supermarkets).

Stick the frock, the dye and some salt in your washing machine, run a normal washing cycle, et voila. You’ll have yourself a ‘brand new’ black dress.

Beware though, certain materials can’t be dyed, so check the instructions on the pack before.

Can’t afford the hairdresser’s? Hair me out.

Who says you need to get a blow dry to look fabulous? There are dozens of things you can do with your hair that’ll make you stand out.

Here are a few examples: plait your wet hair before going to bed and the next day you’ll be left with lovely waves, add a lovely bow to a hairdo a la Gaga (minus the meat dress) or wear a sequined hairband.

Kiss and make-up

If you feel like getting pampered, stores such Boots or Debenhams do free makeovers. There’s no obligation to buy anything, though it’s worth booking in advance as this time of year means the stores are busier.

This may be cutting it fine for the party season, but local beauty training schools are often looking for guinea pigs and will do your hair and make-up for you at little or no cost.

Check Beautyfinder for a directory of training schools and colleges in your area.

Please feel free to share any makeover tips or pics in the festive fashion discussion thread.

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MSE Guy

The Government has made a big song and dance about helping those with small deposits, particularly first time buyers, onto the housing ladder.

However, in my opinion, its plans announced this week won’t work (see the Government unveils mortgage plan MSE News story). And I say this as part of the group it wants to help, as I’m a wannabe first time buyer.

The biggest problem facing people like me is not just mortgage availability, which the Government is trying to address, but high house prices.

Therefore, whatever the mortgage conditions or rate, if prices are too high, lenders will quite rightly not advance us the cash if it means we are overstretching our finances, so it’s a non-starter.

Impossible to borrow

Someone on the average £26,000 annual salary buying the average £160,000 home with a 5% (£8,000) deposit would still need to borrow almost six times their salary to get a home loan, which is practically impossible.

In London, the differential is even worse for many. Salaries may be higher but house prices are through the roof.

Of course, if you’re a homeowner, you want prices to stay high, but I believe there is too great an imbalance between prices and what many 20 and 30-somethings can afford, which is not good for the market long-term.

The government plan is to encourage more banks and building societies to lend to those with a 5% deposit (as very few do), and at the same rate they would lend to someone with a 25% down payment. The latter group currently get more favourable rates as they are deemed less risky.

The Government aims to do this by providing insurance for lenders if a borrower defaults, has their home repossessed and the home sells for less than the mortgage debt, meaning the lender loses money.

If that all happens, the insurance will pay the difference between the income the lender is getting and what it would have got had it charged a higher interest rate.

The hope is the scheme will give banks and building societies the confidence to lend to those with lower deposits at an affordable rate as they will take fewer risks.

New-builds ‘over-priced’

Another reason why the plan is suspect is because it is only available on new-build properties, as has been the case with so many recent state-trumpeted schemes.

I’m no expert on new-build values but the experts I talk to say they are normally over-priced. So not only will buyers pay too much, there is a chance their home’s value will fall over the years, putting many at risk of negative equity (where they owe more than their home is worth).

The flip side to my argument is that this scheme will indeed benefit those who want a new-build who can raise a 95% mortgage, and who currently can’t get a mortgage.

And if the plan encourages more builders to build and therefore increases housing supply, basic economics says house prices should fall.

But that is only one aspect of the multitude of factors that contribute to house prices.

It’s a bigger job to bring them to a reasonable level which is why we should take the Government’s optimism over its plans with a huge pinch of salt.

What do you make of the Government’s measures? Let us know in the mortgage help plans forum thread.

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MSE Guy

We all hate parking tickets but they leave an incredibly sour taste in the mouth when councils do all they can to get you to pay up when they know they’re in the wrong.

I received notification last night I had won an appeal at the independent parking tribunal against a ticket issued by Westminster council in London.

Not because I’d come up with some slick legal argument but because the council didn’t bother to contest it at the final appeal stage.

Yet it previously rejected two appeals I’d made directly to it with detailed replies setting out why I had to pay up.

So why adopt this tactic of defending yourself when you are judge and jury but not bother at the independent arbitration?

I can only conclude that it was trying its luck, hoping I’d back down so it could collect a £130 fine, but then surrendered because it knew it was fighting a losing battle once no longer calling the shots.

Wasting our time

This makes a farce of the appeals system.

It’s great we have this opportunity to appeal when ticketed by a council as those issued with tickets by private parking firms are in the land of the cowboys. What’s more, the vast majority who appeal to the independent tribunal win their case.

We can appeal once or twice (depending on the ‘offence’) to the council then, if rejected, we can go to an arbitrator.

But councils that reject appeals only to give up later are wasting everyone’s time.

It’s a hassle writing numerous letters, finding photos as evidence, collecting your thoughts and then appealing. We are not paid for our time, we just have to put up with it.

And when councils don’t show up at the final appeal stage the relief at winning is mixed with frustration as to why we had to waste our time in the first place.

In this case, I’d stopped a car-length from a sign that permitted loading, so I collected the items I was loading and five minutes later I returned to a white envelope slapped on my windscreen. 

On the first appeal the council claimed the sign didn’t apply where I was stopped. On the second appeal, it used a different argument: that I was not loading.

The change made me wonder what the traffic warden really issued the ticket for.

Not the first time

The thing is I knew this would happen as I’ve been here before with Westminster council.

A few years ago, I returned home late at night, parked and thought all was fine.

The next day when I got back from work there was a ticket on my car. At that point, in broad daylight, I could see the bay I was in had a ‘suspended bay’ sign close to it. I did not see the notice at night, probably because it was a fair distance from my car.

On inspection of the notice, I found the council mistakenly wrote that it applied to a different road to the one I was parked on. So I knew immediately it couldn’t be enforced as the sign was wrong.

So I appealed twice stating just that. I didn’t state that I couldn’t see the sign as I thought I could beat them on the technicality.

I was rejected twice and then Westminster didn’t bother to contest the final appeal.

Sounds familiar, doesn’t it?

Have you had a similar experience with a council? Let us know in the parking ticket appeals forum discussion thread.

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MSE Guy

It’s horrible when your card is declined but you feel like even more of a plonker when it’s your own fault.

And even worse when you’ve already been involved in publishing a MoneySavingExpert.com story explaining this will happen.

I’ve got an Egg Money card in my wallet but all Egg cards were deactivated today as they have been replaced with Barclaycards.

I was sent a new Barclaycard a few weeks ago but forgot to pack it in my wallet this morning.

This was despite working with Helen Knapman on her story last week explaining this would happen today (here’s the story).

I couldn’t understand for the life of me at first why my plastic was declined when buying my lunch – until I realised my own stupidity. Luckily, I had a back-up card.

I just hope those who read the story last week had a better memory than I did.

Oh well, goes to show we don’t always remember to practise what we preach.

Any other Egg cardholders made the same mistake? Let us know in the Egg cards scrapped forum thread.

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MSE Jenny

zombie

“Must find chest of drawers …”

I’ve been seeking a chest of drawers to fit in a small, 85cm wide alcove in my flat. The quest sent me into a zombie-like trance, scanning eBay at midnight, murmuring: “chest of drawers, chest of drawers …”

The trouble’s the chest can’t be wider than 85cm and an eBay search for ‘chest of drawers’ throws up 10,000s results, of which only one in every 35 is slim enough.

How to steer eBay’s results

Then a new eBay search trick saved my sanity. When sellers could describe an item in several ways, you can make eBay search for several terms at once by placing (( at the beginning and entering different phrases in quotation marks, followed by a commas.

So for example

(( “chest of drawers”, “drawer chest”, “dressing table”

brings up all the listings that contain the phrases chest of drawers, drawer chest or dressing table.

For my purposes, I needed to brainstorm all the ways people might describe a furniture width. I worked out all the possible dimensions that would fit the space and tapped out these searches:

  • drawer chest (( “80 w”, “81 w”, “82 w”, “80 w”, “83 w” …
  • drawer chest (( “width 80″, “width 81″, “width 82″, “width 80″, “width 83″ …
  • drawer chest (( “80 wide”, “81 wide”, “82 wide”, “80 wide”, “83 wide” …
  • drawer chest (( “w 80″, “w 81″, “w 82″, “w 80″, “w 83″ …

Obviously I ticked ‘include description’ in the search, because sellers rarely include measurements in titles.

How eBay favourite searches work

The next step was setting up an eBay search alert. I LOVE these. Instead of repeatedly searching for the same thing each day, click ‘save search’ and eBay sends daily emails with new listings fitting your request.

Right now you may be thinking ‘this woman’s a Polo short of a packet’, but the results for a few minutes’ effort were stunning. Instead me of wading through 10,000s of listings, eBay emails 30 bespoke chest of drawers for my lil’ alcove each day. I’m sure you could adapt this for other hard-to-find items.

Comment and discuss: The little trick that saved me from eBay zombiedom

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MSE Dan

In my family, I’m generally not the first person who springs to mind if an auntie needs a new shelf put up, or my dad wants a second opinion on some bathroom grouting. "Dan’s not the ‘practical sort’" is the general mantra.

So when confronted with a car mechanic, talking of faulty V-belts and worn gear box casings, my eyes tend to glaze over and I wish I could curl up into the foetal position until someone else has made the required decisions for me.

This happened last week when, just after I had paid over £100 for a seemingly innocuous dashboard light to be turned off. "That’s what it costs to plug it into the machine" was the garage’s line, which I felt unarmed to question.

However, despite their time being so preciously expensive, the repair shop had kindly found time to check over the whole of my car, and present me with a list as long as my arm of faults that needed urgent attention.

Once I got past the nausea, I said I’d think about it and hot-footed it to the exit. But, with a few long journeys planned over the next couple of weeks, I thought it best to get a second opinion and popped to a garage located further from home, but which had given me some fantastic service in the past.

The hours ticked slowly by and I waited for the thumbs-up or down phone call to arrive, frantically checked my bank balance online, and mentally totted up my (probably wildly inaccurate) guesses at the total cost.

But, to my pleasant surprise, the second mechanic remained the philosophical, logical guy I remembered.

Yes, he could see wear and tear in the places noted, but then "it’s a ten-year-old car, mate". If I wanted pads, belts and ‘bushes’ (seriously, is that a real thing?) that shone like new, then why didn’t I buy a new car each year, he reasoned.

I’m sure he would happily have taken my cash and sent the car home fitted with sparkling new parts, and obviously anything that is dangerous needs to be taken care of – one new tyre was needed, as it goes.

But I think this raises an interesting point; we’d all love treasured and/or expensive possessions to remain at their gleaming best ad infinitum. But, without bottomless pockets, isn’t functional enough?

Let me know what you think in the Does a repaired car have to be good as new? discussion

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MSE Guy

‘Quantitative easing’ is all the rage today after the Bank of England announced it is "increasing the size of its asset purchase programme by £75 billion to £275 billion".

You what? Most people won’t have a clue what that means.

Quantitative easing sounds like some kind of over-the-counter medicine or an A-level maths test.

The reality is it refers to the printing of money to pump into the economy to help stimulate growth – well, that’s the plan anyway. And £75bn is the extra cash the Bank is planning to print.

But why does it have to be this complicated?

So many financial terms are difficult to understand, making it hard for the average punter to know what exactly is going on.

On BBC’s Newsnight yesterday, one contributor talked about ‘credit default swaps’ (insurance taken by lenders in case their borrowers don’t pay loans back). He didn’t include the bracketed explanation, so how on Earth are most people to understand what that means?

The pensions industry is among the worst offenders. ‘Trivial commutation’ (where you can take all of a small pension pot as a lump sum) is one term used, which sounds more like a board game than a mechanism to draw retirement income.

Is it just because we’re British and like to make things complicated? I always remember the first time I flew to Australia, the in-flight map told me we were flying over the Great Sandy Desert somewhere in the middle of the country.

I remember thinking "they call it like it is". It’s a great big desert that’s very, er, sandy, hence the name.

I’m no expert on the Australian financial market so maybe their punters are also fazed by jargon too, but you get my point.

If only we could make things so simple.

Are there any other financial terms that bamboozle you? If so, or if you want to discuss anything related, you can do so in the Financial Jargon forum post.

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MSE Rose

As you can imagine, at MSE Towers we get the odd one or two (hundred) press releases every week, with companies sending in their latest offers for consideration. The best make it into the weekly email, the worst into the spam folder. But every now and then there’s one that’s truly special.

An email about a well-known digital TV recorder brand plopped into my inbox, claiming buying one of its PVRs (personal video recorders) could save up to £870 a year. That’s quite a MoneySaving feat for any machine that costs over two hundred pounds, so I read on.

I was at very least expecting a money-making marvel that could turn old episodes of Don’t Tell The Bride into gold bullion, but sadly, the bottom of the email the small print explained the saving as:

“Based on the cost of 12 family tickets to a chain cinema, an annual subscription to a well-known cable or Satellite Company, and 20 DVDs based on an average cost of £10.99.”

Now I like a quiet night in with a pre-recorded show as much as the next girl. But I’m pretty sure that, deprived of the ability to watch last night’s TV in the privacy of my own home, I wouldn’t go out and buy a dozen family cinema tickets, a cable subscription and £220 of DVDs.

If you’ve come across any similarly ‘helpful’ MoneySaving price breakdowns, please do share them in the Can you afford not to? forum discussion.

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