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  • Have you heard of Premium Bonds before? Basically, NS&I Premium Bonds are a savings account which gives you the opportunity to win money in monthly prize draws. You won't earn any interest on the money you save in your Premium Bond account, but you will have the chance to win anything from £25 to £1 million Sounds like a no brainer, right? Wrong! Personally, I'm not a fan of them because most people will save and save and save into them only to walk away with nothing or the very occasional £25 win In my opinion, whether Premium Bonds are worth it or not depends on your reason for taking part If you're thinking of putting money in Premium Bonds as an alternative to playing the lottery - go for it. If you're thinking of putting money in Premium Bonds as an alternative to savings - don't do it Your chances of winning anything are incredibly slim and you'll almost certainly earn more by putting your money in high interest current accounts, savings accounts, Help to Buy ISAs/Lifetime ISAs if applicable. You could earn even more by investing, of course, but that carries an element of risk that Premium Bonds and savings accounts do not The reason I say Premium Bonds are a good alternative to the lottery is that you won't lose the money you put in. You can withdraw your money at any time, though it usually takes a few days for the money to enter your bank account Saying that, because you don't get any interest and your chances of winning are slim, the value of your Premium Bonds may well depreciate over time. By this I mean that if you were to pour £3,000 into Premium Bonds today, in 10 years time that £3,000 would almost certainly not buy you as much as it would do today Hope this helps!
  • Me when someone tells me to sacrifice my financial standards to go on a Tinder date with a guy I've never even met
  • A few weeks ago I started seeing a therapist and in our very first session, she started talking to me about coping/grounding techniques to make myself feel better after an upsetting session One thing she told me to do was fill a box with things I love so that after each session, I can go home, get the box, and use it to calm the fuck down I smiled and nodded along in agreement but secretly I was thinking "absolutely not". I appreciate that for some people, herbal teas and colouring books can be really great for their mental health, but putting soothing items in a box and turning to it in an emotional crisis just aint really my style And if I absolutely had to fill a box with comforting things, I'd fill it with Jim Beam, Twirls and if I knew a guy, tramadol So instead, I've decided to treat my flat as The Box. I really do love my flat and I'm lucky to have my own space that I can fill with whatever I want. It's already filled with so many nice things that I wouldn't dream of hiding away in a box The problem is that when I'm feeling down, it gets messy as fuck and becomes difficult to appreciate. It's hard to love your home when it starts to resemble Tracey Emin's Bed So, I'm going to try and get into the habit of doing a big clean on either Thursday or Friday evenings (if I feel up to it) so that when I get back from my session on Saturday, I can relax without worrying about clutter and mess
  • I've talked about this before and I'll talk about it again I am TIRED of women (in particular) being shamed for having financial standards when dating YES, some people might see this as shallow but when you're swiping away on Tinder, you've got to whittle the numbers down somehow. Both men and women get rejected for all sorts of reasons, whether it's their height or their fashion sense. So as far as I'm concerned, finances are one of the most sensible, logical and least shallow ways of ruling people out and actually finding yourself a date That guy I swipe left on because his job title suggests he earns minimum wage? Fucking hell he might swipe left on me because he doesn't find me physically attractive enough. And guess what? That's completely fine because there are tons of other people out there for each of us. No one is short-changed when they're rejected by someone who wasn't right for them Of course, I could miss out on someone really lovely, but I could say the same thing to you when you swipe left on a guy because he doesn't have a beard
  • Shout out to the Mail for making me proud to have an apartment filled with books about strong women and substandard men; a painting of a Greek sorceress who turned men into pigs by giving them wine laced with poison; and a cactus that looks like a micro-penis dipped in sewing needles 🙌
  • If you read Kristen Roupenian's viral short story Cat Person back in 2017, you'll probably understand how excited I was to receive her book in the post last week, having completely forgotten that I'd pre-ordered it I've not finished it yet because Jesus Christ, it's DARK as fuck. The very first short story in the collection is called Bad Boy & explores the messed up relationship between a couple and a male friend who moves in with them following a break up. It was so bleak that just a few pages in I felt like rolling onto my belly and smothering myself with my pillow What are you reading at the moment? Anything positive that I can cheer myself up with after this depressing read?