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Things To Do Before I Turn 50

  (also known as my "TA-DA" list as opposed to a "to do" list) It was my 49th birthday a few days ago and this got me thinking. Any birthday that ends with a zero always feels a bit like milestone or a landmark and, when I hit the big "five-o" in 2022, I don't want huge parties or celebrations but I would like to have ticked a few things off my low-effort bucket list.   I see these things as a way to improve my mental and physical health, plus a few slightly off-the-wall experiences that would make for great memories.  Start running again and include the following: Lead a C25K group again  Participate in parkrun EVERY week where possible  Visit local landmarks whilst running  Train for a long race - building up from 5k > 10k > 10 miles > half marathon, with a couple of longer trail races mixed in  Lose a lot bit of weight Post more on Instagram or give the blog a bit of a reboot < ongoing Look at new a career path or additional income stre

Luxury Holidays And Latest Tech Are The Top Big Ticket Shopping List of 2017

A tumultuous 2016 has not put Brits off spending big in 2017, according to credit score and report site ClearScore. 82% plan to splurge on ‘big ticket’ items next year, with holidays abroad topping the wish list for nearly half of UK adults (45%). “Staycations” follow close behind for 38% and high-end tech, such as MacBooks and SLR cameras will be snapped up by 20% of shoppers.

In an ideal world, 69% of Brits would prefer to save up to afford big purchases, such as jet-setting holidays next year. However, the average cost of a British family holiday is almost £5000 and nearly a third (30%) will use credit to foot the bill. 47% say they will use credit to fund at least one of their big ticket purchases in 2017; the most common reason being to spread the cost over a number of months.

Luxury Holidays And Latest Tech Are The Top Big Ticket Shopping List of 2017
ClearScore found that credit cards and personal loans are the most popular forms of credit used to pay for big ticket purchases, accounting for 51% and 28% of purchases respectively. While holidays topped the list of popular big purchases, people were most likely to reach for their credit card if they were planning an home extension (56%) or buying a car (52%) in 2017. As many as five and a half million Brits (10%) have turned to pay day loans and the rent-to-own sector, which charge much higher interest rates than other forms of credit, to cover the cost of big ticket purchases in the past.
All consumers planning to make big purchases on credit could save significant amounts of money by improving their credit score. A top credit score could save an average Brit £20,452 over a lifetime on the interest repayments for credit card debt alone.
  • 5 most popular big ticket purchases for 2017
  • A holiday abroad
  • A holiday in the UK
  • Consumer electronics, such as a laptop, TV or digital camera
  • White goods
  • New large furniture, such as a sofa

Justin Basini, founder and CEO of ClearScore, said, "When it comes to making expensive purchases; both luxuries and those things we just can’t do without, many of us turn to credit to help with the cost. That’s why it’s vital to manage and build your credit score so that you can get the best deal on your borrowing. Big ticket items cost enough, without saddling yourself with needlessly expensive interest repayments on top.” 

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Photo credit : Clearscore


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