special Announcements

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With 2019 in full swing and with Scotland’s best and top athletes competing for gold medal champions of their sport – when it comes to gathering the best athletes that showcase their strength, speed and teamwork.

From sporting events officially taking place on the 12th of January with the ‘SimplyHealth Great Stirling XCountry and Castle Run’ which consists of four races against the fastest in Europe, USA and of course, Great Britain. The Village event offers hot food and drink to embrace your taste buds. So, come down and cheer on your favourite runner for this spectacular event.

Next, we have world’s most famous and athletic elites compete in Glasgow for the European Athletics Indoor Championships 2019 at Emirates Arena. The three-day event will showcase over 600 athletes ranging from Olympic, European and world medallist from 45 countries around the world – As it’s held at Emirates Arena you will be closer the athletics.

Returning to Scotland for the first time since 2005, we will see the striking and exciting event which is the World Wheelchair Curling Championships. While we get the witness Latvia and Estonia making their official debut at the event. The line-up is an array of fresh and familiar faces and the first time 12 teams have competed in the Wheelchair Curling Championships – so, it is something that shouldn’t be missed.

Carrying on throughout the year two events are held in April, first being Ultra Tour of Arran – which is a two-day off-road running adventure which is held by Rat Race, this popular event with have you running high and low around the island while viewing the beautiful scenery as you travel around the best Scottish landscapes. The other is the Scottish National Surfing Championship – Yes, you heard right – Surfing. The gathering of the best surfing pros, enthusiasts and beginners are welcome from across the country.

Held in Summer, the 2019 Guinness Pro14 Final on 25th of May. This huge event takes another iconic step with it not being held in a traditional rugby venue for the very first time and being held at Celtic Park Stadium. The event does also include entertainment for kids like – Xbox and play areas for all ages.

Going forward to 2020, the UEFA Euro 2020 is being held in Hampden Park, Glasgow – A great event with their international food options and for all the vegan and vegetarians out there, Glasgow was named PETE’s most alternative options. Get bookmaker offers so you would be in with a chance of grabbing some extra cash with not only with these events and other throughout the year as Timeform offer everything from free bets to betting on high wager games.

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One For Arthur made history by becoming the first horse trained in Scotland to win the Grand National when he triumphed out of Lucinda Russell’s yard in 2017. The bay gelding missed out on the opportunity to defend his crown last season when he was forced to miss the event at Aintree due to injury.

Red Rum is the only horse since the end of the Second World War to have won the prestigious race on multiple occasions. Ginger McCain’s charge won back-to-back events in 1973 and 1974 before winning the final of his crowns in 1977. There are have been horses that have been close since, but no one has been able to claim the title for a second time.

The 10-year-old, trained in Russell’s yard an hour away from Paisley in Kinross, has displayed the pedigree to thrive at Aintree, although it will take a special effort to triumph. One For Arthur is backed at 25/1 among the Grand National runners, placing him in the middle of the pack, although a long way behind the leading contender for the crown – the defending champion Tiger Roll.

The Irish-bred horse has not been in great form since his return from injury. He has unseated his jockey in his two races this term in the Many Clouds Chase and again at the Peter Marsh Handicap Chase. However, he could be a horse that simply rises to the occasion at the Grand National, thriving on the rigours of the four-mile course and 30 fences. There have been others before him that have excelled and almost broken into the company of Red Rum.

West Tip

Michael Oliver’s charge was made to race in the National, although his first experience did not go to plan, falling in his debut outing in 1985 at Becher’s Brook. However, he bounced back in the following season to take his place in the winners’ enclosure with a brilliant run.

Richard Dunwoody at the reins got a perfect performance out of his charge to win the event by two lengths with a surge down the stretch. The following season, West Tip was in the running, although he lacked the speed to close on Maori Venture, settling for a fourth-place finish.

It was the same story in 1988 with an identical placing. However, he rolled back the years in 1989 with another fine display, battling Little Polveir down the stretch, but he failed to close on his rival and lost out by seven lengths. There have been closer calls, although no horse has been as consistent as Oliver’s charge since Red Rum.

Hedgehunter

The horse was responsible for Willie Mullins’ breakthrough at the National, becoming the trainer’s first and only triumph in the prestigious meet to date. Hedgehunter fell at the final fence in 2004, handing the crown to Amberleigh House after he appeared to be closing in on the win. However, he responded with a brilliant performance in 2005, finishing 14 lengths ahead of the field.

Mullins’ charge returned for the defence of his crown in 2006 as the joint-favourite for the win alongside Clan Royal. In a tight race, Hedgehunter battled down the stretch with Numbersixvalverde, although the latter managed to forge ahead with a fine jump at the last fence. Numbersixvalverde was able to see out the victory by six lengths ahead of Mullins’ horse. No horse since has been able to come close to a second win, highlighted the challenge ahead of One For Arthur.

The Scottish National is our local treasure and one we’re all looking forward to here in Paisley. But while we impatiently wait out the next couple of weeks, the Aintree Grand National – the most anticipated horse race of the year (outside of Scotland, of course) – is a good way to get us warmed up and ready to go when our day comes around.

Naturally, picking out a winner in this enormous race can often be difficult. With 40 runners heading to Aintree, we have narrowed it down to a few selections well worth backing.

 

Top pick Tiger Roll

You can’t start anywhere other than Tiger Roll in terms of tips for the 2019 Grand National. Last year’s winner comfortably prevailed in the Cross Country at the Cheltenham Festival and he is a worthy favourite to come out on top once again.

It is worth noting that only one horse has ever won back-to-back Grand Nationals, and so a short price of 5/1 could well put you off. Yet Tiger Roll has proven on many occasions he is in a different class to the rest of the other field and with a clear round, he might well take some stopping. His price may be short, but it is arguably also fair.

Horse racing” (CC BY 2.0) by Paolo Camera

The whole Mullins yard

Willie Mullins has a three-pronged attack in Pleasant Company (22/1), Rathvinden (12/1) and Up For Review (40/1). This year, Mullins won his first ever Cheltenham Gold Cup and the yard is very much in form heading to Aintree, with all three declared to run.

Rathvinden has proven stamina over three and a half miles which may prove pivotal over the gruelling four-mile slog. The former National Hunt Chase winner can handle all kinds of ground, from good to heavy, which also puts him on the shortlist.

Pleasant Company was just brushed aside by Tiger Roll last year, improving on his ninth in 2017. The now eleven-year-old is one of the veterans in the race but so were Neptune Collonges (who won the National in 2011), Auroras Encore (2013 winner) and Pineau De Re (successful in 2014).

A third and much-anticipated woman trainer?

Sue Smith is looking to become the third woman trainer to win the National with Vintage Clouds (14/1), who came second in the Ultima Handicap Chase at this year’s Cheltenham Festival. Smith also runs Lake View Lad (16/1), who could be a great each-way shout.

The 2017 winner One For Arthur has been out injured for an awfully long time and has pulled up in his two attempts this season. Punters may be quick to forget his impressive performance two years ago, but the return to Aintree may spark some life into him and odds of 33/1 may well be overpriced.

This year’s renewal looks to be one of the most anticipated Grand Nationals and if Tiger Roll can win two in a row, it will be one of the greatest moments the sport has ever seen.

MAB_0097.jpg” (CC BY 2.0) by MBandman

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Being able to run your own business is one of the best things you can do with your life. You get to be your own boss, choose your working hours, and be contributing to an industry that you have a real passion and drive for.

This being said, it is a not an easy road to success, and you need to put in a lot of thought before you start your business to ensure that you are making the right choices and spending your time and money wisely.

This guide is going to walk you through the three most important things that you should consider before quitting the day job and deciding to pursue your dream of running your own business. While the road may be long, if you take advice and make the right decisions along the way, there is nothing stopping you from having a viable business in the next few years that can support you and your family.

Finding your business’s niche

The first thing you need to do is look into how to find a gap in the market for your small business. You need to make sure that whatever product or service you are trying to sell offers something different from your competitors in order to avoid direct competition with someone who is already well established.

What could you do if you’re finding it hard to find a gap in the market?

If you are struggling to identify a gap in the market, take an existing product that you love and think about how it can be improved. What is the product missing that you could add?

Managing your information in an effective way

Running a company involves dealing with a massive influx of information that all needs to be stored securely and accessed easily. To do this, it is worth paying a visit to Krystal.co.uk, which offer a VPN Cloud Service that helps you to secure your company’s data. There are lots of different options that mean you can have control over how much you are spending, to begin with, and tailor the hosting service to the specific needs to your business.

There is nothing worse than when a company gets into hot water about not protecting their data, so making this a priority to investigate right for the start will always put you in a strong position.

How to learn to work from home

Last but not least, you will need to consider how to be productive working from home. When you don’t have an office to go to, it can be easy to slack off and become unmotivated.

One of the easiest ways to combat this is by making a specific work area for yourself. This might not sound like much but having some form of a home office where you always work will replicate the feeling of going into an office every day and give you more motivation. Also, always working from the same place means that you will begin to associate the office with working on your business and be able to get into a business mindset quickly.

Renfrewshire Council Sheltered housing tenants have taken starring roles in their own theatre production, thanks to funding from Renfrewshire Council.

Tenants from four complexes across Renfrewshire took to the stage to perform ‘UpLIFTing Renfrewshire Folk’, performing two sold out performances at the Starlight Youth Theatre to rave reviews.

Karen Herbison, Director of H-Arts has been involved in working with the tenants, using their life experience and stories to write and produce the show, with many tenants appearing in performing roles.

Assisted by her core team, Karen and the tenants developed a performance telling stories that touched audiences, showcasing new and original sketches and featuring monologues, poetry and song.

Sally Logan, Health and Wellbeing Co-ordinator for Renfrewshire Sheltered Housing Service, said:

“All the tenants worked really hard to produce an unmissable piece of theatre and had a great time in the process.

“It has provided our tenants with the opportunity to channel their inner creativity. It also shows how important it is to keep active and socialise to reduce the effects of loneliness and Isolation.”

The project was supported by Renfrewshire Council’s Culture, Heritage and Events Fund (CHEF). Launched in 2016 to support Paisley’s bid to be UK City of Culture in 2021, CHEF has supported over 100 projects across Renfrewshire with the aims of increasing participation in cultural activity and showing how creativity can boost education, social inclusion and quality of life.

Leader of Renfrewshire Council, Iain Nicolson said:

“The CHE fund has been key in involving local people in cultural and creative activity and I’m pleased to see our sheltered housing tenants benefit.

“Involvement in culture has a positive impact on health and wellbeing and it’s fantastic that the tenants have had this opportunity to take part in what was a new experience for many of them.”

Applications for the next round of the Culture, Heritage and Events Fund are now being accepted. More information about the fund is available online at www.renfrewshire.gov.uk/CHEF.

Which horse will create their place in Grand National history?” (CC BY-SA 2.0) by David Holt

One For Arthur flew the flag for Scottish sport when capturing the world’s most famous steeplechase, the Grand National at Aintree, two years ago.

True trials for the extended 4m 2f race are hard to find, but the Scottish Grand National at Ayr Racecourse some 30 miles or so south of Paisley can provide clues for the Merseyside showpiece.

With the 2019 Grand National fast approaching, here are the Scotland trained hopes and those who ran well in the Scottish equivalent last season with claims at Aintree.

Only Ayr runner-up Ballyoptic guaranteed a run

The first three home in the 2018 Scottish National all get entries into the big one this time, but unlucky second Ballyoptic is the only one of that trio guaranteed to line-up in Liverpool.

This is because, at the time of writing, Nigel Twiston-Davies’ charge is among the first 40 horses in the 2019 Aintree Grand National weights. That is the maximum field of runners that can go to post.

Ballyoptic was just beaten a nose at Ayr by Joe Farrell, but the inmate of Welsh trainer Rebecca Curtis’ stable would need almost 20 horses to come out of this race in order to meet him again.

Neither of these horses have won this season. Ballyoptic fell over the Aintree fences in the Becher Chase back in December, was then a well-beaten sixth in the Welsh National at Chepstow and pulled up at Haydock last time out.

Joe Farrell, meanwhile, was a rusty looking sixth in a veterans’ chase at Newbury on his first start since winning the Scottish National but then a creditable second at the same venue. These performances are reflected in top prices of 50/1 for both him and Ballyoptic with bookmakers.

If there is an Ayr runner worth putting a free Grand National bet on, then it may be the Scottish National third Vintage Clouds at 16/1. This Trevor Hemmings owned grey hails from the Yorkshire yard of Sue Smith, who saddled Auroras Encore to Aintree glory back in 2013.

While Vintage Clouds needs five horses to forego their Grand National entries to get a run, that looks likely as many trained in the Emerald Isle have the Irish equivalent at Fairyhouse as an alternative option. He was only four lengths behind the front two at Ayr and looks solid each-way value.

Lake View Lad leads Scottish bid for more success

Both Vintage Clouds and Lake View Lad are set to run in the 2019 Grand National in these colours” (CC BY 2.0) by Henry Hemming

Although One For Arthur looks set to make a bid to regain his Grand National crown for Lucinda Russell, it’s another Perthshire trainer in Nick Alexander who saddles the leading Scottish hope this year.

Lake View Lad has really improved for racing in staying handicaps this season when winning Listed and Grade 3 prizes at Newcastle and Wetherby. This other grey gelding belonging to leading Grand National owner Hemmings also ran a huge race off top weight when just behind Vintage Clouds at the Cheltenham Festival.

Bookmakers now have Lake View Lad at prices between 20/1 and 14/1 for the big one. One For Arthur, meanwhile, is a 33/1 shot but has history against him with Aintree icon Red Rum the only horse to reclaim the Grand National.

Captain Redbeard is another Scottish trained horse who could make it to Aintree from the Selkirk stables of Stuart Coltherd. He got no further than the deceptive Foinavon fence on the Grand National course last year – an obstacle which can catch you out. Captain Redbeard needs about 10 to come out of the race to run in it again this year and is another 50/1 chance.

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New data has revealed the postcodes in Paisley’s surrounding area which are most likely to suffer from burglaries in 2019.

 

The data created by MoneySuperMarket took into consideration over 2.5 million home insurance quotes nationwide and revealed that a Paisley postcode didn’t appear in the hotspots list until over number 1000 overall in the UK.

 

The comparison site has taken a look at the burglary hotspots which exist in the surrounding area and has revealed the ten postcodes which are most likely to be affected by burglary.

 

UK Rank Postal Area Code Postal Area Rate per ‘000
179 G61 Bearsden 27.61
295 G12 West End, Cleveden, Dowanhill, Hillhead, 24.04
406 G77 Newton Mearns 21.47
462 G41 Pollokshields, Shawlands 20.49
490 G43 Mansewood, Newlands, Pollokshaws 20.12
503 G3 Anderston, Finnieston, Garnethill, Park, 19.88
528 G51 Govan, Ibrox 19.47
531 G76 Busby, Clarkston, Eaglesham, 19.45
568 G4 Calton, Cowcaddens, Drygate, Kelvinbridge, 18.80
587 G13 Anniesland, Knightswood, Yoker 18.60

 

So how did Paisley match up to the surrounding area?

 

UK Rank Postal Area Code Postal Area Rate per ‘000
1,339 PA1 Paisley (Central, East and Northeast) 10.12
1,665 PA2 Paisley (South) 7.51
2,130 PA3 Paisley (Northwest), Linwood 2.92

 

As you can see above, very well! Not one postcode appeared in the top 1000 for most likely postcodes to be burgled and Paisley Northwest actually finished in position 2130 out of 2339, making it one of the most unlikely postcodes in the UK to be affected by burglary!

 

Emma Garland, data scientist at MoneySuperMarket, commented on the statistics: “Over the past 12 months, burglars have mostly been targeting suburbs and urban areas, with the safest areas dominated by smaller towns and villages.

 

“Anyone that has ever been burgled will tell you that the cost goes beyond the value of the items stolen, from the psychological impact of your home being violated to the difficulty of replacing things with sentimental value.

 

If you take precautions – such as fitting new door and window locks, installing bar windows where necessary and using security cameras – you can reduce both your contents insurance and your anxiety about getting burgled. Looking for the best deal possible at every renewal will also help keep premiums low.”

 

You can take a look at how your accommodations burglary rate looks like here – https://www.moneysupermarket.com/home-insurance/burglary-hotspots/

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Gambling online is an activity enjoyed by many people all over the world. It has gained popularity over the years, and it still has a long way to go. If you are a beginner in this, you might be a bit skeptical about the idea. There are some sites to choose from and deciding on which one to go with can be a challenge in itself. For a first-timer, you can go to UK Mobicasinos, it is one of the most trusted websites whereby you can get information about different casinos. They also offer you advice on what to consider before deciding on a casino to gamble.

Here are some of the major points you need to take note of before gambling on any online casino site.

 

  • They are multi-platform

 

When the online casinos firstly came, you had to download software programs to play, and this was not compatible with most operating systems. It occupied a lot of space and took a long time to download. Over the years, through technology advancements, you can access them on your browser enabling you to be able to play from any platform. From your phone, tablet or computer.

 

  • How do they work?

 

Online casinos generate numbers randomly to ensure and certify that the dealt cards and the spins on the machines are decided on by chance. It makes sure that you the player do not overthink of the game and have fun.

 

  • The withdrawal options

 

The web-based casinos have unique features when you want to withdraw money you have won in previous games. You have to ensure you are quite familiar with most, if not all of them. The typical options are NETeller account and Wire Transfer.

 

  • The games always favor the casinos.

 

It is almost next to impossible to gain the upper hand against casinos. Unless you have a rare gift of being able to speculate the next play or move, the casino will beat you most of the rounds. Always keep this in mind before playing at any point.

 

  • Do a thorough research

 

These casino websites are known for scamming and conning. It is, therefore, your mandate as the player to carry out your research and ensure you join one that is regulated by legal agencies. UK Mobicasinos comes in handy to help you get reliable information about the top online casinos. Being scammed on one of these sites is not an exciting experience; thus you must dig deep.

 

  • Security, trustworthiness, and reliability are the top priority.

 

It only applies to the trusted websites with a good reputation, as earlier states, many scammers will try to con you. However, for the top trusted sites, you can be sure that your information is confidential and you can enjoy playing without any worries. They also make good on their promise to pay when you win.

 

  • Free versions

 

The most common games in casinos are baccarat, blackjack and the roulette. If it is your first time and you have no idea which game to try out first, the online casinos offer you the chance to sample them by giving you a free version then afterward you can try your luck in gambling. Those who have casino premises, on the other hand, do not have such offers.

Always keep in mind that gambling is quite addictive; therefore it is advisable to proceed with caution. As much as the games tend to favor the casinos, they also want you to win from time to time so that you can always come back and recommend more people to it. Sites with higher chances of winning have more people playing in them. All this information on how to ensure you get the best casino site are in UK Mobicasinos.  Do not forget to have fun in the process; it is never that serious.

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An Introduction to Offshore Injuries

Offshore Injuries can be called some of the worst types of Injuries there are, but at the same time, they are also some of the most common types of Injuries there are, as hundreds of thousands of people get Offshore Injuries every year. For these people, life becomes very hard, as most types of Offshore Injuries are serious ones that prevent one from finding employment and being able to support one’s family, a point at which many people begin to feel desperate.

And the surprising thing is that for most of these people, it wasn’t even their fault: their injury came about as the result of the negligence of other workers, or maybe perhaps it came about as a result of faulty equipment and unsafe working conditions, in which case it is the fault of the company for which the person worked. In these cases, one should never feel desperate, as you are legally entitled to compensation from the entity whose fault your injury was. And this compensation is facilitated through the use of an Offshore Injury Lawyer, which can be called your only way of getting any sort of Justice for your injury whatsoever.

Choosing An Offshore Injury Lawyer

There are many Offshore Injury Lawyers that you can hire for the prosecution of your case, but the thing is that one must be careful before settling on a single lawyer as the one for their case. The best thing is to do a little research on a lawyer before choosing him or her: reading testimonials, contacting former clients, and other such ways through which you will truly be able to know about the operating proficiency and excellency of the Offshore Injury Lawyer.

Another field that one must be careful of is experience. Ideally, you want an Offshore Injury Lawyer who has been working in the field for his time, and has many such cases under his belt. As we all know, practice makes perfect, and this is all the more true when it comes to practicing Law. An Offshore Injury Lawyer with about 3-4 years of experience is probably the least amount of experience you would want in your lawyer.

OffShore Injury Cases

Offshore Injury Cases are known to be some pretty complicated cases, as both the prosecution and the defense push pretty hard against each other. If you want to win the case, hiring one of the best Offshore Injury Lawyers is probably something you should consider, as who wins the case is almost entirely dependent on who has the better lawyer (though this stands true for more than most types of other cases as well).

After you manage to choose a good Offshore Injury Lawyer with an acceptable amount of experience in the field, a good Offshore Injury lawyer will basically ensure that you win the case. This is one of the reasons why Offshore Injury Lawyers are so famous, as they help the otherwise disabled to be able to live their lives in peace.

Many people struggle with debt strictly because they don’t know how to put their finances together. When a person gets used with a certain pattern of earning and spending money, it becomes a habit. In most cases, these financial habits are the main cause of why people accumulate debt.

Financial literacy became a highly discussed topic in the past few years, as people could change their situation by getting informed about what habits are beneficial and what habits just ruin their budget. As in any other domain, doing thorough research and gathering relevant information about this topic should propel you to the right path. This short guide explains which habits should be adopted in order to handle finances better, without encountering unpleasant situations or accumulating even more debt. Here’s what any person who’s not familiar with good finance practices should do:

Spend less than you earn – the basic principle

This is basic knowledge – to stay away from debt, you can’t spend more than you can afford. Figuring out the numbers and staying within the limits is not as difficult as some people consider. You just have to build a consistent monthly budget plan and stick to it in the future. Expense tracking starts with separating the needs from the wants. People end up drowning in debt because they don’t know when to stop spending money for their own entertainment. Start by calculating your monthly income, from all sources. Once you know how much money you can spend each month, separate the fixed expenses from the variable ones and notice what amount is left. Keep in mind that paying debt faster involves making some financial efforts that can get inconvenient at times. You can also use mobile apps where you can add both your income and expenses. This automates the process and it will become a habit easier.

Always have an emergency fund

Even though you are currently struggling with debt, you can’t skip your emergency fund. This fund can save the day when the most unexpected events occur. Without an emergency fund, you will have to obtain a loan or borrow money from friends and family. Such a situation will send you back to the hellhole where you’ve come from. No matter how small the amount you save each month is, having an emergency fund prepared is mandatory. Instead of eating out two times a week, do it less often. The money you save can go directly to the emergency fund and you will possess some extra cash for an unexpected situation. This way, you don’t need to borrow more money and you get to keep the expenses on the same line for a while.  

Use the avalanche method to pay off debt

When you have multiple debts to pay, you need to focus on the interest rate. The interest rate determines how much money you are going to pay in the end. By paying the debt with the highest interest rate quicker, you repay less money. Moreover, prioritizing your debt and paying the high-interest ones first should help you get out of debt quicker. To form a habit out of this, determine which one of your debts has the highest interest and focus on it until it is gone. Do that for the other debts you need to repay and you will get used to the avalanche method in no time.

Get informed about IVAs

If you can’t figure out which debt you should pay out first, there’s a more convenient method that will spare you the effort. IVAs, or Individual Voluntary Agreements, are an alternative for people who don’t want to go bankrupt. Bankruptcy comes with many downsides, while IVAs have a series of benefits that could be convenient for any person struggling with too much debt. IVAs can write off up to 70% of a person’s debt, once the debt is managed. What is so convenient about IVAs is that you decide how much time you allocate for repaying the money. IVAs bind creditors to freeze debt interest, so the amount you pay each month will remain fixed. You can understand how IVA companies work by accessing this link.

Create multiple sources of income

Relying on one source of income only can be dangerous, especially for those who need to repay debt. You can get informed about various methods to produce passive income. The second source of income could keep you away from bankruptcy if an unfortunate event occurs and you no longer have enough money to pay off debt. In this situation, you are one step closer to bankruptcy. Think about methods to generate money from different sources and focus your attention on debt consolidation, IVA companies, and other similar solutions to make sure that you can afford to repay the amount you owe.

Automate bill paying

Another habit that could help you handle finances better is bill payment automation. Bills are part of the fixed expenses that you will have to pay at the end of the month, regardless of how much money you won. Many people end up having debt without even realizing it because they postpone paying their bills. The amounts add up to a bigger, unaffordable one and you find yourself in a very uncomfortable situation. Check with your suppliers and see if they have an option for automating bill paying. If yes, it would be recommended to opt for this method instead of paying the bills yourself. It will seem inconvenient the first couple of months, but it should become part of your financial planning quite soon.  

Implement a spending freeze

Starting a spending freeze challenge could change your life completely. Spending freeze involves buying just the things you need to survive and redirecting the rest towards paying debt or contributing to emergency funds. In order to stick to a spending freeze challenge for at least three months, you need to come up with a plan and set clear goals for this period. If you live alone, the spending freeze challenge shouldn’t be complicated. If you live with your family, you must ask the rest of the members to join you Always keep a positive attitude during spending freeze periods and don’t get discouraged after each obstacle that you encounter.