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We’ve all been guilty of the post-lockdown ‘freedom splurge’, so here’s how to get your finances back on track after a spenny weekend

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Sunny bank holidays are always something of a spending challenge, but post-lockdown bank holidays? A whole other ball game. Twitter is awash with exclamations of how expensive ‘outside’ is, following months of having most of our social lives and spending limited to online activity only – and they are not wrong. For those of us no longer used to having to make those kinds of decisions or set those kinds of boundaries, we could quite easily see our savings slip away, or that credit card balance start to creep up, just from taking advantage of the dual joys of freedom and summer at last.

If you’ve had a bit of a bank holiday spending spree, don’t worry – you’re far from alone, and it doesn’t have to be catastrophic. Here are a few ways that you can get back on track as quickly and easily as possible.

These 10 essential saving habits could *finally* help you build a financial buffer for 2021 and beyond

Take stock as soon as you can

As tempting as it is to stop checking your balance and avoid looking at your credit card statements after a weekend of overspending, you won’t thank yourself for it in the long run. The longer you leave it, the more daunting it can feel to see the full impact on your finances, and the more anxious you’ll get. At best, this will stress you out, and at worst, it could lead to forgetting to make a payment or not having enough in your account to cover a bill, so it’s best to check now- even if you do look through your fingers. It might not be as bad as you thought, but even if it is, you’ve now bought yourself some time to get things sorted.

Don’t beat yourself up

When we overspend on clothes or have a late night ill-advised online spree, it’s usually possible to send things back, but if your money has been spent on eating, drinking and socialising, that’s not usually possible, and you just have to live with what you’ve spent. This makes it all the more important not to beat yourself up too much for overspending, because there’s nothing you can do to change it and staying angry with yourself or becoming bogged down in spending shame will only make you feel less confident and damage your relationship with money in the longer term. It’s not worth it.

Bear in mind that you’re really not alone in waking up with a spending hangover after your bank holiday fun, and give yourself a bit of a break. We’ve been in a pandemic, after all.

I work in retail on £26k and have always struggled to save – how can I put money aside and still afford to have a social life this summer?

Being proactive is key here, so take the time to look at what’s left in your account and make some changes to your budget if needed. If you need to delay that treat you were hoping to buy, or cut something out next month to top your savings back up, or make space for a bigger credit card bill, now is the time to do it. Give yourself time to make the necessary changes, and you won’t end up feeling short-changed or panicked later on.

If your bank holiday spending is going to leave you strapped for cash, it’s a great time to look at some of those ways of making extra cash that I wrote about a few weeks ago. With the change in weather, there’s no better time to sort through your wardrobe anyway, and if there’s anything that’s not really ‘you’ any more, you can pop it on eBay or Depop and make a bit of cash back. There are also survey sites for any spare minutes on your commute, and you could look at building a real side hustle to give you a bit more cash going forward, if you have an idea and some extra time.

Really quick and easy ways to boost your income from home (from doing online surveys to selling on eBay)

Start planning for the next one now!

August bank holiday will come round quickly, so why not set up a bank holiday fun fund right now? As soon as you’re back on your feet after the weekend, you could start putting away a fiver or tenner every week so that you can spend guilt-free next time the beer garden is calling – and if it’s a washout, that’s extra money saved for something else you want – it’s win-win!

Realising you’re a bit short of cash after overspending can be stressful, but it’s important to keep it in perspective. We all spend a bit more than we mean to sometimes – it’s part of life – and there’s no need for the effects to haunt you forever as long as you take action.

Love our Money Matters column? Feel worried about your finances? Or just want some expert help on how to achieve your financial goals? Get in touch with us at [email protected] to submit your own money diary and gain access to our expert-led advice, tailored to your finances! These submissions can be anonymous.

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Rosie O’Donnell Addresses Ellen DeGeneres’ Daytime TV Exit

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Rosie O’Donnell is giving her thoughts on Ellen DeGeneres‘ exit.

The 59-year-old former talk show host spoke out during an appearance on Sirius XM’s The Jess Cagle Show on Wednesday (June 23).

PHOTOS: Check out the latest pics of Rosie O’Donnell

Click inside to read more…

During the conversation, Rosie said Ellen‘s exit might be more “complicated” than people may think.

“I have an understanding of the cycle of show business, and kind of what happens in people’s careers, and when enough is enough. Oftentimes people don’t know that. I think I have a good balance of both in my life, of the importance of both. And it’s hard to maintain. It’s hard to do, especially when you’re doing a show like that,” she said.

“I don’t think it was the ‘be kind’ thing that got her. I think that’s oversimplification. But it was a lot of things, and it was complicated, and I’m glad that she’s, you know, going to be finished and she can get some time to herself,” she continued.

“It’s a huge kind of strange thing to be on a show like that, and have all that attention on you. And she had it for like 19 years. So, you know, it’s a tough thing.”

Another talk show host had a much more shady reaction to the news.


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Dermalogica’s “Smart” Serum Responds To Exactly What Your Skin Needs

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if you’re anything like me, you deal with more than one skin concern at a time. I’ve got fine lines, PMS breakouts, dry spots and hyperpigmentation to deal with. How much depends on the day. (Thanks, 30s!) Luckily, Dermalogica’s Smart Response Serum is made just for that ever-changing skin. Unlike serums with just one or two active ingredients to target one issue, there are four actives that hydrate, brighten, soothe and reduce the appearance of fine lines and wrinkles. All in one bottle.

Even better, Smart Response Serum understands what your skin needs before you do, taking a lot of the guesswork out of skincare. The brand calls it “SmartResponse” technology. It gets a little tech-y but basically, when your skin feels dehydrated, oligosaccharides from hydrolyzed beta-glucan kick in to deliver the hydration your skin is craving. Hydrolyzed wheat flour, rich in arabinoxylan-oligosaccharides (or AXOS) triggers to brighten and reduce the appearance of dark spots.

Our mission at STYLECASTER is to bring style to the people, and we only feature products we think you’ll love as much as we do. Please note that if you purchase something by clicking on a link within this story, we may receive a small commission of the sale.

Dermalogica.

There’s also antioxidant-rich Japanese Cornelia cherry to soothe redness and help skin fight free radicals, as well as plant-based mannose-6-phosphate to plump skin and fight the signs of aging, helping improve the appearance of fine lines and wrinkles. Phew! I told you this baby does a lot.

It’s hard to see drastic changes in just a few weeks with this type of skincare, that works to help prevent damage. But using it morning and night, my skin feels plumped and hydrated. Overall, it looks a lot brighter, too. My makeup is going on a lot easier on those dry spots and it’s calming irritation on my sensitive skin. I’ll definitely keep using it and being consistent so the ingredients have the proper time to do their magic.

It’s not cheap, but this four-in-one could replace some of your other skincare so you’ll use less overall. Grab Smart Response Serum now at Dermalogica and Sephora.

STYLECASTER | Ashley Benson Interview


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Garmin Forerunner 55 launched in India; here are the features of the smartwatch

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The Garmin Forerunner 55 is a fitness-centric smartwatch with a heart rate sensor. The wearable is capable of tracking several exercises like running, swimming, cycling, and more.

Popular fitness accessories manufacturer Garmin has expanded its range of smartwatches in India today. The company has launched the Garmin Forerunner 55 wearable in the country. It is the brand’s one of the most affordable smartwatches in India. The wearable features built-in GPS and has a handful of sensors to provide tracking of various health and wellness metrics of the wearer. The Garmin Forerunner 55 has been designed by the company with beginners in mind. The device sports a lightweight and sleek design, and a handful of fitness tracking features.

Garmin Forerunner 55 features and specifications

Talking about the health-centric features first, the Garmin Forerunner 55 flaunts wrist-based heart rate monitoring. The device is capable of tracking your sleeping habits, respiration rate, stress monitoring, hydration levels, and more. The wearable comes with functions like the step counter, auto goals feature, measure burned calories, tracking distance travelled, and more. The smartwatch is also capable of tracking different activities such as running, treadmill running, indoor track running, swimming, cycling, and more.

As for the other features, the Garmin Forerunner 55 comes with a 1.04-inch circular colour display bearing 208 x 208 pixels resolution. The device has a sunlight-visible transflective MIP panel that’s protected by a layer of chemically strengthened glass. The wearable comes with 5ATM water-resistance and built-in GPS, and it is capable of recording 200 hours of activity data. The Bluetooth-enabled smartwatch is compatible with both iOS and Android devices. Lastly, the wearable is touted to provide up to 20 hours of use in GPS mode and up to two weeks in regular mode.

“Running has always been an integral part of fitness and healthy lifestyle and to boost this activity further, we are excited to bring ‘Forerunner 55’ for the runners of all levels. Forerunner series has always been the star series for us at Garmin. The introduction of the new Forerunner 55 adds another feather to it. The smartwatch is well equipped with features like built-in GPS, heart rate monitoring, race predictor, women’s health tracking, and a lot more to help the users in improving their lifestyle and overall wellbeing”, Ali Rizvi, Director, Garmin India commented on the launch.

Garmin Forerunner 55 features and specifications

The Garmin Forerunner 55 has been priced competitively at Rs 20,990. The wearable will be available to buy from e-commerce portals such as Amazon, Flipkart, Tata CLiQ, and Synergizer, apart from the company’s brand stores across the country. The smartwatch is being offered in Aqua, Black, and Monterra Grey colour variants.

If you are looking for a more affordable option in the smartwatch range from Garmin, then you can check out the Garmin Forerunner 45. The wearable is available in the country for Rs 15,990.

Where can I buy the Garmin Forerunner 55?
The Garmin Forerunner 55 budget fitness smartwatch will be available to buy from e-commerce portals such as Amazon, Flipkart, Tata CLiQ, and Synergizer, apart from the company’s brand stores across the country


What is the price of the Garmin Forerunner 55 smartwatch?
The Garmin Forerunner 55 smartwatch is priced competitively at Rs 20,990. The wearable is available to buy from online and offline stores.


What is the battery life of the Garmin Forerunner 55?
The Garmin Forerunner 55 is rated to provide 20 hours of usage in the GPS mode and two weeks in the regular mode.



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