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20 Christmas Unwrapped Gifts for him & her Three steps to a stress-


last-minute tensions, so you can glide into a truly merry Christmas.


Food glorious food Menus


and shopping


lists are coming out your ears, and your Instagram feed keeps pinging with pictures of artistic elegant dishes. Don’t pressure yourself!


Stick to the classics and fi nd simple ways to dress them up. Transform a hot bowl of vegetable soup with a dollop of cream, a sprin- kling of dried herbs, or crou- tons. Plan your menu around tried-and-tested dishes, so you can cook with confi dence and serve Christmas dinner with pride.


Oh no, she’s asking for the upstairs bathroom… You’re hosting the extended family for dinner, with just a few days left to fi nish cooking. But how did the house get so messy? Forget a deep clean. Focus on the


rooms your guests will see. Wipe all surfaces, neaten the shelves, dust the corners. Grab anything that’s in the way, shove it into a big box and move on. Finished? Hide the box in


free Christmas C


hristmas needn’t be stressful. Here are three ways to eliminate


your bedroom.


It’s all about the money No matter how hard you budget and save, something always comes up, leaving you frantically scram- bling for cash. Be prepared! Build up a secret stash, or just download an app.


Yes, an app. Money on Demand is a free app where you can apply for a short- term loan in minutes. This can be the perfect solu- tion for when you’ll have money soon but need it now. With the app, you can stop worrying. If something crops up, you’re covered.


, y Warning: Late cause serious money


repayment can problems.


For help, go to moneyadviceservice. org.uk


Representative example: Borrow £500 for four months, with four monthly repayments of £215.81. Total repayment £863.24, interest rate p.a. (fi xed) 270.10%. Representative APR 997%.


Visit cashfl oat.co.uk or call 020 3757 1933


Money


on Demand is a free app


off ering access to short term loans with high


approval rates, combining Cashfl oat’s direct lender services with a credit broker facility. Download it now!


Saturday 3rd November 2018


Cashfl oat are a new, moral short-term lender who refuse to off er a service that is anything less than perfect. Combining powerful technology with extraordinary business models, Cashfl oat have empowered over 50,000 UK citizens with the money they need, when they need it.


Apply for £200 to £1,100 and receive the money today, if approved.


Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk.


Representative example: Borrow £500 for 4 months, four monthly repayments of £215.81. Total repayment £863.24, interest rate p.a. (fixed) 270.10%. Representative APR 997%.


cashfl oat.co.uk 020 3757 1933


Wish list for Santa


a loan company


 Genuinely care about me as a person  Make it simple to apply even on my mobile  Explain the loan terms in a way I can understand  Check to make sure the loan is right for me


Give me an instant decision – no messing around  Let me repay early and save money


 Be reasonable and understanding if I can’t pay on time  Have top customer reviews


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