Come the New Year and we can often find ourselves a bit short of ready cash. After all the excesses of Christmas and the frenzy of the January sales our bank balances will have taken quite a hit. That is why it could be worth using our spare time to make extra money and help to balance the family finances.

When it comes to making extra money, there are really only two ways, one is doing extra work, the other is selling the things you don’t need or the things you can make. If you already have a job then the latter would be the one that is probably easier.

Apart from your car, the most valuable items you probably have is jewellery. The price of gold and silver are quite high at the moment so this is probably a good time to sell. Bulky, plain pieces of gold will probably be easier to sell for just the gold content, whereas intricate designs, and those with precious stones may well be better sold into the second hand market. Always shop around to get the best price, remember that the price changes on a daily basis. Your local jeweller may well give you a decent price, better than those ‘cash converter’ shops that buy all sorts of things.
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Going on a family winter holiday is often a key source of fond memories for parents and children alike. Despite the economic changes, you can still enjoy the same great winter holiday within your budget by seeking bargains. Here are some steps to a bargain winter holiday to help you with the planning process:
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Are you thinking of booking an all inclusive holiday 2011, if so what are the advantages of an all inclusive holiday over lets say a self catering holiday. Well for starters it usually works out a lot cheaper than other holidays due to the low cost flights and accommodation that are included in the price. If you were to book your flights and hotels separately they would be a lot more expensive but with all inclusive holidays 2011 they buy the flights and accommodation in bulk and therefore get a much better price for you. They are also protected with ATOL and ABTA which again is included in the price.
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