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Saving on the big bills #thrifty

The maxim, ‘look after the pennies and the pounds will take care of themselves’ is still true but we also need to look at the big picture. We need to keep household accounts and look at the big bills that occur only occasionally. The big bills can be the water bill once a year or changing the car every few years.

big bills

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Enjoying the spring landscapes #photography

Through the winter I struggled with poor light and even had a few photographs that were ‘noisy’. Noise is those little spots often white or purple that appear at the higher ISO settings. Now, though, we have great light and can enjoy walking in the country and getting amazing pictures. But all that green can be a little boring so watch out for things that will break up the sea of green such as walkers, cyclists and horse riders. The spring is a great season for landscape photography as the days get longer and the evenings get lighter.

MAYDAY (7)

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History, art and photography #ramble

It’s Sunday morning and so once again I let you into the matrix that leads to the dark corners of my mind and will share my thoughts with you. What’s on my mind this week? History, art and photography as well as publicity and markets and a whole host of other things. I’ve been designing banners to publicise things. That wasn’t very successful but we learn, move on and improve. I have also been working on a couple of art projects. One involves flowers which leads me nicely into today’s photo which is one of the photos I took for the project. What ya think?

BLUEBELLS - art and photography

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Rule Britannia! #politics #GE

Rule Britannia! Britannia rules the waves.

Britons never, never, never shall be slaves.

Except we are slaves. We are mostly slaves to debt and credit. Most Britons have mortgages or credit cards and so are slaves to the bank or building society. We strive for freedom not by opposing our oppressors but by playing the lottery hoping to win enough to buy our freedom from serfdom.

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The end of the month #finance

It is nearly the end of April and the weather here has changed to cold and wet again. I’m thinking of changing my car and have one at a local dealership in mind. I’m not in a hurry but at the end of the month, salespeople like to add a little to their commission. I hope to get a salesperson so enthusiastic to make a sale, that they will reduce the price or do a good deal on the part exchange to get that end of the month bonus.

end of the month

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Loss leaders and introductory offers #thrifty

We have to be quite shrewd these days if we are going to save money. Supermarkets and other retailers have all sorts of tricks to relieve us of our money. The loss leader is a product that they will advertise at a much lower price then their competitors and then make their profit on the lines that aren’t advertised. These offers have to appeal to a large number of people so they can’t be on lines that we only buy infrequently. They have to be on products that most people buy regularly. So sugar is a good product for a loss leader and staples like potatoes and bread can also be put on offer. Some offers will be on products that they have a good profit margin on that they can afford to cut and still make a profit, as well. Loss leaders can be a good bargain but there is always a catch.

loss leaders

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Using a 300mm long lens #photography

The kit lens that comes with a DSLR isn’t usually the highest quality and if you’re serious about photography you soon find yourself buying more lenses. I mostly use a 18 – 105 mm lens for events but for some events you need more zoom. I’m thinking about buying a 18 – 300mm long lens but they are very expensive. It will cost at least £500 and for one that goes really wide it would be more like £750. I’m using a 55 – 300mm lens now and I’ve been using it more to get some idea of how useful a 18 – 300mm would be. A long lens is very useful but you also need to be able to zoom out.

LONG LENS PHOTOGRAPHY AT THE ST GEORGE PARADE

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Happy St Georges Day #ramble

Yes, it is Sunday morning again here in Merry England and I share my thoughts with you once again. What’s on my mind this morning? It’s St Georges Day of course. St George according to legend slayed the dragon, did he not? We all have our dragons to slay, those challenges that life puts before us that we must overcome to succeed. Today’s picture is of two foxes that I saw when I opened my curtains this morning frolicking in a trench filled with dried grass cuttings at the bottom of the garden.

Foxes on St Georges day

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Politics and market confidence #investments

The announcement of a snap general election didn’t do much to inspire confidence in the markets did it? Market confidence is all important. Investors want stability and certainty unless they are contrarian investors who like to profit from the volatility.

Market confidence

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Finding the spring bargains #thrifty

There has been a big shift in recent years to online shopping and that has changed our high streets. We still have to shop locally for fresh foods like fruit and vegetables. You can shop around and the small shops have lots of bargains but struggle to compete with supermarkets that bulk buy. The bigger shop can also do loss leader which can save us money on our shopping bill. Watch out for spring bargains on fruit and vegetables that are just coming into the season. In Aldi this week the super-six were just 19p. I had the leeks and cauliflower. The super-six has changed again today and has fruit and veg on offer at 45p. I might have the onions when I shop at the beginning of next week, warming soups are still worth cooking in spring.

spring bargains

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Developing a photography project #photography

I constantly develop as a community photographer. I take photographs at events as part of my role as a public relations officer doing publicity.  I also do landscape photography, food photography and portrait photography. I not only try to develop the photography skills but the social skills to deal with people and I’m also trying to develop as an artist. I have two art projects at the moment. One is for a competition and is loosely on the subject of spring flowers and the other project is photographing people. I’m photographing people with a wide open aperture and a long zoom lens. That project needs a lot more thought and work. Yesterday, I was out taking photographs to publicise an event and a local company on social media.

Publicity project

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I’m starting to feel my age #ramble

Yes, It’s Sunday morning and so I let you into the labyrinth that is the internal working of my mind and share my thoughts with you once again. What’s on my mind this week? I’m starting to feel my age, I have a few aches and pains. I need to get out in the sunshine and get some exercise. My photography is a good interest for getting gentle exercise on a sunny day.

Feel my age?

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