Bishops Cleeve Jan16

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BISHOP'S CLEEVE

YOUR LOCAL COMMUNITY MAGAZINE FREE

www.bishopscleevemagazine.co.uk

ne i z ga a M y l nth o M r u Yo

January 2016

January What‘s On Guide Making Room for Roses Gardening by Pippa Greenwood

New Year, New Style?

Home & Interiors by Katherine Sorrell

Martin Lewis Bank Accounts

The Millionaire Maker Local Writer Richard Denny

Local News Local Businesses Finance

Begin the New Year with a Budget Time for a New Tradition


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HPS TR Ltd, Newent

Britain’s Premier Sport Shooting Supplies Company HPS Target Rifles are now able to offer an INTRODUCTION TO HAND LOADING COURSE to suit your needs. Launched in July 2015, HPS is now offering a 1-day course for up to 4 people per course and will be looking to build on this course with an INTERMEDIATE HAND LOADING COURSE to be launched in 2016 for those who wish to improve their skills. The Introductory Course will be held at the Old Bisley Gun Club, Bisley Camp, Surrey at pre-arranged dates. Participants will learn the basics from case preparation to bullet seating before heading off to the range to shoot their own hand loaded ammunition tailored to their rifle. For more information or to book get in touch and let us know about your requirements.

Tel: 01531 822 641 Fax: 01531 828 741 E-mail: info@hps-tr.com Website: www.hps-tr.com Please mention Bishop's Cleeve Magazine when responding to advertisers

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Visit Cheltenham's largest double glazing showroom Windows, Conservatories Bi-Fold Doors, Residential Doors Lanterns, Orangeries As part of the RFL Group we are now able to supply locally manufactured kitchens and bathrooms and offer a complete project management service. We are founding members of the DGCOS which means we provide an Insurance Backed Guarantee with Deposit Protection and a 10 year guarantee on our installations giving you peace of mind.

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To advertise call 07740 784 444 or 01242 500 028 or visit www.bishopscleevemagazine.co.uk


From the Editor

Local Magazines Published by Glos Directories - connecting local businesses with local people

Dear Reader, Here's hoping you had a wonderful Christmas and you have been able to take some time out to relax! Thank you to our readers for supporting the local businesses that advertise with us. From all of us at Glos Directories and Bishop's Cleeve Magazine, we would like to wish all our readers and local businesses a Happy and amazing New Year, may 2016 bring all you have wished for and more! If you have made some New Year's Resolutions for 2016, have a look at Richard Denny's article on page 9, where he has some great tips on goal setting. Our other monthly articles are as always a great read too and we've included some extra puzzles for you to enjoy over the holidays, so grab a cup of tea and sit back with your January issue of Bishop's Cleeve Magazine. See you in February! Best wishes,

Vicky Muller

- Editor

JOIN OUR DISTRIBUTION TEAM! Local Distributors wanted to assist with distribution of our magazines in Bishop's Cleeve.

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Request a price list online or call to book your space in Aug/Sept Magazine Book now to be included in the next Issue and grow your business locally. Please mention Bishop's Cleeve Magazine when responding to advertisers Page 5


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Tips from The Millionaire Maker The media have called Richard Denny the millionaire maker. For over 30 years he has helped thousands of people into financial wealth, and others into greater achievement and happiness. His lectures, books, videos, DVD’s and CD’s are bought around the world and he lives right here in the Cotswolds.

A Vintage Year “A person going nowhere normally gets there” is a well-known and irritating saying but sadly true. January is the month when many of us think about the year ahead and what we hopefully will do in the year. These thoughts are usually driven by what will make us and our loved ones happy. So we often start with New Year’s resolutions of losing some weight, getting a little fitter or giving up some bad habit. Unfortunately these well intentioned resolutions (not really goals) gradually get superseded by the pressures of life, a lack of determination or realisation of the sheer joy and pleasure resulting from their achievement. Just such a small price of effort can and will reap years of fulfilment and joy. January is also the month for thoughts about real achievement goal setting. Apparently this is the month when most people chose their holidays and talk and think about other things they want to do, own, or achieve in the year ahead.

Let me remind you of one of the essential ingredients for happiness that is to have something to look forward to. So what do you want to do this year? Your most wonderful asset, your brain, needs help to give it direction and purpose, so help it by giving it some goals. You will be amazed by what it will do, especially when bolstered with a prayer or two and some plans. So here are a few tips to make 2016 a vintage year: 1. Make a goal list of all the things you want to do and achieve this year. 2. If you have a partner in your life, share and discus with them. You both can have some separate goals but there must be some you can share or want together. 3. Set down some deadlines. Your brain needs some time deadlines to perform well. 4. Plan each goal as you would if you were going on holiday. 5. Now get going! There are some people who MAKE things happen. There are some people who WATCH things happen. There are some people who WONDER what happened. For more detailed information and help join the Denny Business Academy for free.

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Page 10 To advertise call 07740 784 444 or 01242 500 028 or visit www.bishopscleevemagazine.co.uk


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1916: Happy New Year? The Great War which had started in August 1914 had not been over by Christmas as everyone had expected. Instead it had developed into a stalemate in the trenches of the Western Front and by Christmas 1915 things had hardly changed at all. For this month's article I thought it would be interesting to reflect on life in our local communities during wartime as 1916 dawned out of 1915 a century ago. It was soon very obvious from my researches that the war had made little impact on daily life at home and so most people would have been able to wish each other a Happy New Year. Take for example the concerns of Bishop's Cleeve Parish Council. At the turn of the year its main concern was to appoint 'a good man' to oversee the laying of sewers in Bishop's Cleeve, Southam and

Woodmancote. Harry Goring was the lucky person to be chosen from the ten applicants. When the council was asked by the government to expand the agricultural land in the parish, the brief reply recorded in the council's minute book was that 'there was as much under cultivation as labour could be found for'. Later on in 1916 when the bloody battles of the Somme and Verdun were raging on the Western Front, the council's main concern was having to pay Bayshill Motor Works in Cheltenham ÂŁ6.15s (ÂŁ6.75p) to repair the village's fire engine. Over the hill in Winchcombe as 1915 drew to a close the Parish Council's minutes did, however, record that the council expressed its sympathy to its vice-chairman Albert Day, landlord of the George Inn, on the death of his son Charles in Gallipoli. Charles had emigrated to Australia in 1911 and had joined the Australian army. Later in the new year the councillors expressed concerns

Bishop's Cleeve's fire engine (Photograph by courtesy of Tim Curr)

that the soldiers recovering from their wounds in the war hospital in the former infants' school on the corner of Vineyard Street were leaving their chairs out in Abbey Terrace creating a danger to pedestrians during the hours of darkness. Down the road in Gotherington the Parish Council minutes lack any reference to the war. Its main concern at the turn of the year was providing a new trough for the village pump! Desperate for some references to the war, I then turned to the Gloucestershire Echo. Here at least were short reports from the various theatres of the war from around the world, but the paper overall reinforced my conclusion that life on the home front was carrying on largely as normal. The New Year's Eve ball at Cheltenham Town Hall had been a great success with four hundred people enjoying the location where 'everything and everyone was bright and gay'. The reference that 'The khaki uniform was very prominent' did, however, remind readers that there was a war in progress. Aladdin was playing to full houses at the Opera House in Regent Street and 'the crowds in the centre of Cheltenham on the last night of the old year were anything but depressed'. New Year's Day fell on a Saturday and the following Monday saw the start of Cavendish House's annual winter sale. Yet there were a few echoes of concern about the wartime situation. At Tewkesbury Abbey on New Year's Eve it was

Page 12 To advertise call 07740 784 444 or 01242 500 028 or visit www.bishopscleevemagazine.co.uk


reported that the National Day of Penitence had been observed. It was also reported that the first Sunday in January had been set aside for a Day of Humble Prayer because the nation was facing 'a new year of such tense anxiety'. So perhaps it wasn't quite such a Happy New Year after all. - by David Aldred

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Make Room for Roses by Pippa Greenwood

It’s the perfect time of year to plant roses, and there should be a good selection in local garden centres or from specialist rose nurseries. Although roses look good in beds, borders and containers, why not create your own fantasy rose arch or roseclad arbour? Transform an existing arch or pergola by planting roses now to ensure fabulous colour for many summers to come. Alternatively, create your own using sturdy timber or buy a good quality wooden or metal arch or pergola kit. Start by deciding whether to use ramblers or climbers to cover your pergola or arch. Ramblers are easier to train but only flower once a year, whereas many climbers have two flowering periods or flower intermittently for months. Many roses are strongly coloured, so ensure that these will look good with adjacent planting and will not clash with nearby painted or treated surfaces such as decking or garden furniture. Perfume is a vital ingredient - walking beneath an arch or pergola laden with perfumed roses on a warm summer’s evening takes some beating! If you get your roses delivered, don’t be put off if they have

somewhat lopsided roots, uninspiring woody stems and little else. This is normal, but despite their forlorn appearance they usually establish well. Do try to plant as soon as possible, but if not make sure that you keep the root systems moist by wrapping in thoroughly moistened hessian or by burying the roots temporarily in garden soil. Make your planting hole close to the base of the arch or pergola: a distance of about 30 – 45 cm (12 – 18 in) works well, but keep away from concrete footings or other material located in the soil. Although roses quite like fairly heavy soil, for clay soils likely to waterlogging prepare a sizeable area before planting by digging in well rotted manure, garden compost and grit, which also ensures good fertility. If the roots of bare root roses are lopsided and crammed together, spread them out before planting. Soak the roots in water for a couple of hours before prising them apart, prune out any which have been damaged and plant the rose immediately. Ensure you plant at the correct depth: the swollen graft point slightly above where the roots start protruding should be just above soil level. Once in place,

keep your rose well watered during dry conditions, paying particular care over the next 18 months. Apply rose fertiliser and top up the mulch in spring. Newly purchased roses are unlikely to have much in the way of top growth, but once they get going you will obviously need to train these stems into the arch or pergola, securing them at regular intervals with great care, so that they are not damaged by being buffeted against the arch or pergola during windy weather. I like to use the steel wire with a dense foam covering – strong but soft! Good varieties for planting over pergolas and arches include Veilchenblau ‘Paul’s Scarlet’ (climber), Excelsa ‘Crimson Shower’, Albertine Albericbarbier ‘Golden Showers’, ‘Iceberg’ (climber), Malvern Hills ‘Super Fairy’, ‘Gloire de Dijon’, ‘Zéphirine Drouhin’. Make vegetable growing fun with Pippa’s unique ‘Grow Your Own with Pippa Greenwood’ system. Select the vegetables you’d like to grow at www.pippagreenwood. com and your garden-ready plants will be delivered in May, accompanied by weekly emails packed full of advice and tips. It is great value and various pack sizes are available. Gift cards are available too.

Page 14 To advertise call 07740 784 444 or 01242 500 028 or visit www.bishopscleevemagazine.co.uk


MAKE

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QUICK CROSSWORD

1

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Find the names associated with musicals in the grid and the remaining letters will spell out a related phrase

Page 16 To advertise call 07740 784 444 or 01242 500 028 or visit www.bishopscleevemagazine.co.uk


All Consultations by Appointment Walton Cardiff & Bishop’s Cleeve Monday - Friday 8.00am - 6.30pm Saturday 8.30am - 12.30pm Nurse Clinics & Pet Advice Available Folly Gardens Vets

‘Problem Animal behaviours? Folly Gardens can help’ Does your dog jump up at visitors, get upset when you leave the house without them, or become agitated in the car? Bad habits and fears can put pet and owner under huge strain so if you’ve found yourself changing your routine to fit in with your cat or dog then now is probably a good time to do something about it. Bad behaviour can stem from natural instincts whilst fears may date back to experiences in early life. In dogs, they are more likely to develop if they require more exercise or are a breed which needs a lot of mental stimulation. However, any pet which suddenly starts to exhibit new behaviour like biting, chewing or urinating in the house should be brought to the attention of a professional because their habit could be an expression of pain or discomfort. As a qualified Vet Nurse (with a background in nursing people) Zoe has studied for a further qualification in Animal Behaviour which enables her to offer specialist advice. Problems she commonly deals with include separation anxiety, biting and barking but also more unusual fears like pets being afraid of hats. Being realistic, there is no quick fix and re-educating will take time and patience. It will also involve a commitment over a period of weeks, so Zoe offers an initial consultation and gives home-work before she provides continued follow-up advice and support until the issue is resolved. Medications are also available which can help switch your dog’s brain from ‘anxious mode’ to ‘learning mode’, reducing the stress response and helping them to accept training. Good socialisation is a lifelong process. Zoe can also advise you before and after you buy or rehome a pet, on how to limit the likelihood of unwanted habits developing. The process begins from birth so our Puppy Parties are a great place to start. These are run every 3 weeks at our Walton Cardiff Clinic. For more information about animal behaviour support or to book onto the next Puppy Party call 01684 292244 or 01242 679880.

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info@follygardens.com www.follygardens.com Please mention Bishop's Cleeve Magazine when responding to advertisers

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Dog lovers wanted Open your home to a friendly dog for his holiday! If you would like to enjoy the companionship of guest dogs while their owners are away and... • are at home all day • have no children under six • are a former dog owner or have one dog of your own

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Page 18 To advertise call 07740 784 444 or 01242 500 028 or visit www.bishopscleevemagazine.co.uk


A four pawed health kick for 2016! A new business has launched in Cheltenham, offering dog owners in the area a home based alternative to kennels Run by Alexis Bennett and her puppy Brea, the newest branch of Wagging Tails gives dogs their very own holiday as the only guest in the home of a specially selected dog carer. All Wagging Tails carers are experienced current or former dog owners, are at home during the day, have been licenced by their local council and are fully insured. Alexis, a resident of Uckington, has been a dog lover for many years. Having recently welcomed Brea into her family, she is embracing the joys of her company and is looking forward to the health benefits of walks on crisp, bright January mornings. New Year is often a time when people think about their health, with resolutions made (and subsequently broken!) to go to the gym or start a diet. Many people are unaware of the health benefits of having a dog in the home. These benefits go far beyond the physical improvements associated with gym membership or dieting. Writing in the British Journal of Health Psychology, Dr Deborah Wells reviewed a number of previous research papers concluding that dog ownership can be shown to help prevent us from becoming ill, facilitate recovery from ill health, reduce levels of anxiety, loneliness and depression as well as enabling greater social interaction for owners. Dog ownership obviously brings a significant amount of responsibility and commitment, something that many, for a number of reasons, are unwilling or unable to take on. You do not necessarily have to own a dog to benefit your health and wellbeing, as many

charities are often looking for puppy walkers or dog foster families. Sandra Reeves loves dogs and decided to join dog boarding company Wagging Tails as a dog carer. She now welcomes guest dogs into her home for their holidays when their owners go away and, in addition to the companionship and the health benefits of having dogs around, also receives a small payment for looking after her four-legged guests.

“It is a great opportunity to meet so many different types of dog. It provides me with lots of long walks and I get to meet so many other dog owners when out and about, making lots of new friends in the process.� Alexis is looking for potential carers who would like to welcome dogs into their homes for a holiday. To find out more about becoming a Wagging Tails carer, please contact Alexis on 01242 681488 or 07900 817504, email gl@waggingtailsuk.co.uk or visit www.waggingtailsuk.co.uk/gl

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Page 19


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WARNERS CITROËN CHELTENHAM 01242 777700 BLAISDON WAY, CHELTENHAM, GLOUCESTERSHIRE, GL51 0WH www.warnerscheltenham.citroen.co.uk °Prices & offers apply to retail sales of qualifying models ordered & delivered 01/10-31/12/15 & include VAT, delivery to dealer & number plates, Government Registration Fee & 12 months’ graduated vehicle excise duty. Black/metallic/pearlescent/Sport Yellow/Sport Red paint optional at extra cost. Elect 4 Personal Lease rentals shown apply to New DS 4 Crossback PureTech 130 S&S 6-speed manual - New DS 4 Crossback BlueHDi 180 S&S EAT6 auto respectively. Model shown New DS 4 Crossback PureTech 130 S&S 6-speed manual with metallic paint from £259 per month. One significant advance rental will be required, which varies by model, followed by 34 monthly rentals at the rates shown & a significant optional final rental. Excess mileage charges may apply if the agreed annual mileage is exceeded. Payment of the optional final rental extends the rental term (this does not transfer title of the vehicle) & requires an annual rental equivalent to one months’ rental. Finance subject to status. Finance provided by and written quotations available on request from PSA Finance UK Limited (company registration number 01024322) t/a Citroën Financial Services, Quadrant House, Princess Way, Redhill, Surrey, RH1 1QA, UK. Citroën Financial Services is authorised and regulated by the Financial Conduct Authority. Over 18s only. A guarantee may be required. Warners of Gloucester Ltd is acting as a credit broker and is not a lender. To finance your purchase/lease we may introduce you to a limited number of lenders. Offers & specification correct at time of going to press from participating Dealers. Terms & conditions apply. Please ask us for details. Subject to stock availability.

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Page 22 To advertise call 07740 784 444 or 01242 500 028 or visit www.bishopscleevemagazine.co.uk


MARTIN LEWIS MARTIN LEWIS Bank Accounts Fancy some free cash? Well, those generous bowler hatted ladies and gents Bank Accounts at your bank are giving it away. Quite literally, they will to pay you up to £150

to switch bank account - and, as it can also improve the service and features, Fancy grab some it. free cash? Well, those generous bowler hatted ladies and gents at your bank are giving it away. Quite literally, they will to pay you up to £150 toThe switch account - and, market as it canisalso service and features, bankbank account switching red improve hot, withthe many banks willing to pay grab it. custom. for your The bank switching market is red hot, with many banks willing to pay Here areaccount the 10 need-to-knows. for your custom. Q. You’re talking about switching, but I’ve heard all types of horror stories? Here are the 10 need-to-knows. Martin’s A: Much of that is a legacy opinion from a few years ago. We’ve just celebrated the second birthday of what’s called ‘seven-day switching’, and Q.that’s You’re talking about butaI’ve all of types of horror made the processswitching, easier. I did pollheard of 100s people on mystories? Facebook Martin’s A: Much a legacy opinion from a fewand years ago. We’ve just page who’d triedofit that and is 82% said they found it 'easy hassle-free', while celebrated the second problems. birthday of what’s called ‘seven-day switching’, and only 4% experienced that’s made the process easier. I did a poll of 100s of people on my Facebook page who’d tried and apply 82% said 'easy and hassle-free', In practice, whenit you for athey newfound bank itaccount, assuming you’rewhile only 4% experienced problems. accepted, three things happen within seven working days: In1.practice, whenorders you apply for a new bank assuming All standing and direct debits areaccount, moved for you. you’re accepted, three thingsis happen 2. Your old account closed. within seven working days: 3. All payments to your old account are auto-forwarded for three years. 1. All standing orders and direct debits are moved for you. 2.Yet Your closed.try it – last year only 2% changed bank accounts – stillold faraccount too fewispeople 3.strange All payments to your old account are auto-forwarded for their threebanks. years. So my as my mailbag is full of people complaining about message is stop bitching and start switching. Yet still far too few people try it – last year only 2% changed bank accounts – strange full of people complaining about their banks. So my Q. OK, as so my it’s mailbag easy, butiswhat’s this about free money? message is stop bitching and start switching. Martin’s A: Many of the challenger banks (those who want to break the Q.dominance OK, so it’s of easy, this about money? thebut old what’s ones) want you tofree switch to them so much they’re willing to pay you to do it. Martin’s A: Many of the challenger banks (those who want to break the dominance of the old ones) you to switchattomse.me/bankaccounts. them so much they’re But, There’s a full rundown andwant eligibility criteria willing to here pay you it. in brief, areto thedocurrent top picks: There’s a full rundown and eligibilitya criteria at mse.me/bankaccounts. But, – - FirstDirect.co.uk gives switchers free £100 (or more via some websites) incash brief,comes here are the28 current top picks: and paying in £1,000. within days of switching - FirstDirect.co.uk switchers a free £100 (or more via some websites) – Othergives benefits: It’s won every customer service poll I’ve ever run, cash comes within 28 it days of switching and paying in £1,000. 92% rate great, it has a linked 6% regular saver, 0% overdraft up to £250. Other benefits: It’s won every customer service poll I’ve ever run, 92% rate it great, it has a linked 6% regular 0% days overdraft - Halifax.co.uk/Reward gives a free £100 within threesaver, working of up switching.to £250. Other benefits: Pays £5 each month as long as you’re in credit. - Halifax.co.uk/Reward gives a free £100 within three working days of switching. - The marksandspencer.com current account gives a free £100 M&S gift card Other benefits: Payswithin £5 each month of asswitching. long as you’re in credit. (or more via some websites), a month - The marksandspencer.com current account gives you a free £100 M&S Other benefits: Unlike other accounts, don’t have to gift paycard in a (or more via set some websites), within month of switching. monthly amount (seea next question) linked 6% regular saver, 0% overdraft up to £100. Other benefits: Unlike other accounts, you don’t have to pay in a set monthly amount (see next question) linked 6% regular saver, Q. Can anyone get these? 0%You’ll overdraft up to £100.to get these. Though most people who Martin’s A: be credit scored have an existing bank account should be fine (unless it’s a basic account). Q. Can anyone get these? Martin’s A: You’ll be credit scored to get these. Though people who and Yet to get the bonuses, you normally need to use theirmost switching service have account be fine (unless basicwith account). haveana existing couple ofbank direct debitsshould or standing orders setit’s up.a Plus First Direct, you must meet a minimum pay-in requirement, equivalent of £13,200 a year Yet to get the bonuses, you normally need toause switching service and – effectively a way of requiring you to earn settheir amount. have a couple of direct debits or standing orders set up. Plus with First Direct, you must meet a minimum pay-in equivalent of £13,200 If you have irregular income, M&Srequirement, is the only one not to demand this.a year – effectively a way of requiring you to earn a set amount.

Please mention Cleeve If you have irregular income,Bishop's M&S is the only one not toMagazine demand this.

Q. Aren’t there also accounts that pay high interest on your savings? Martin’s A: Yes that’s another form of competition, and if you have higher savings, that is likely to be more lucrative in the long run than grabbing the Q.switchers Aren’t there also accounts that pay high interest on your savings? bonuses. Martin’s A: Yes that’s another form of competition, and if you have higher savings, to be more lucrative in the long grabbing the The bigthat oneisislikely the Santander.co.uk 123 account – it run paysthan up to 3% cashback switchers bonuses. on certain household bills and up to 3% AER interest if you have between £3,000 - £20,000 in it. Its £24 a year fee is rising to £60 in January, yet if The big one the£5,000 Santander.co.uk 123 account it pays upit’s tostill 3% likely cashback you’ve got isover savings and earn some –cashback, you’re onwinner certain(full household up to 3% interest if you have betweenblog) analysis bills of if and it’s worth it inAER my www.mse.me/santanderfee £3,000 - £20,000 in it. Its £24 a year fee is rising to £60 in January, yet if you’ve gotless, overthe £5,000 savings and Club earn Lloyds some cashback, it’s still likelyifyou’re If you’ve lloydsbank.com pays 4% AER interest you’ve winner analysisinofit ifand it’sboth worth it in my www.mse.me/santanderfee blog) £4,000(full to £5,000 TSB.co.uk and Nationwide.co.uk pay 5%, but only on up to £2,000 with TSB and £2,500 with Nationwide for the first year. If you’ve less, the lloydsbank.com Club Lloyds pays 4% AER interest if you’ve £4,000 to £5,000 in it and both and Nationwide.co.uk payto5%, but Q. Once I’ve switched and gotTSB.co.uk the free bonus, can I switch again another only onaccount? up to £2,000 with TSB and £2,500 with Nationwide for the first year. bank Martin’s A: Yes, there’s nothing stopping you continually switching. But Q.remember, Once I’ve switched and got the free bonus, can open I switch againaccount, to another you’ll be credit scored every time you a bank so bank try toaccount? minimise opening too many accounts in a short space of time, Martin’s A: Yes, there’s nothing continually Butlike a especially if you’re going to be stopping applying you for credit in the switching. near future, remember, mortgage.you’ll be credit scored every time you open a bank account, so try to minimise opening too many accounts in a short space of time, especially you’re- are going to be applying for credit in the near future, like a Q. I hateifbanks there any other options? mortgage. Nationwide, as mentioned above, is a building society, so it’s owned by its members, and it’s got decent offers. Or see if your local credit union (a local Q.savings I hate and banks - areco-op) thereisany options? loans oneother of 500 that offer bank accounts via ABCUL at Nationwide, as mentioned above, is a building society, so it’s owned by its findyourcreditunion.co.uk members, and it’s got decent offers. Or see if your local credit union (a local savings loans co-op) 500 that bank accounts via ABCUL at Q. I’m and often in the red –is one can Iofswitch to aoffer 0% overdraft? findyourcreditunion.co.uk An overdraft's a debt like any other, so if you often go into it, cutting its cost makes it easier to clear. FirstDirect.com has a £250 0% overdraft, and you Q.can I’mput often the itred – can I switch to a 0%clearing overdraft? thein £125 pays switchers towards the overdraft too – a big Anboon. overdraft's a debt like any other, may so if give you often go 0% intooverdraft, it, cuttingcredit its cost Nationwide.co.uk/flexdirect a bigger makes easier to clear. FirstDirect.com has50p/day a £250 after, 0% overdraft, youit score itdepending, but only for a year. It’s so aim toand clear can put the £125 it pays switchers towards clearing the overdraft too – a big before then. boon. Nationwide.co.uk/flexdirect may give a bigger 0% overdraft, credit score depending, but only for a year. It’s 50p/day after, so aim to clear it Q. What before then.if I can’t get a bank account? Sadly, more than a million people in the UK don't have a bank account. For all the top pick deals above, you’ll need to pass a credit score. Q. What if I can’t get a bank account? Sadly, a million people inthere the UK a bank account. Yet ifmore that’sthan not going to happen, is adon't way. have As long as you've ID, For the topbepick above, you’ll no-overdraft need to pass service, a credit though score. you youallshould abledeals to get a no-frills, need to ask the right way. Yet if that’s not going to happen, there is a way. As long as you've ID, you should be able getthe a no-frills, no-overdraft service, though you When applying, asktofor specific account by name – otherwise you need askforms the right way. couldtoget for standard accounts, then get rejected. The better options include Barclays.co.uk Cash Card and Co-operativebank.co.uk When applying,(not askavailable for the specific account by name – otherwise you Cashminder to bankrupts). could get forms for standard accounts, then get rejected. The better options include Barclays.co.uk Cashthey Cardcan andstill Co-operativebank.co.uk Even though there’s no overdraft, fine you if you try to Cashminder to bankrupts). spend more(not thanavailable you’ve got, so you must manage it carefully. Even though there’s no overdraft, they can still fine you if you try to spend more than you’ve got, so you must manage it carefully.

when responding to advertisers

Page 23


Friends of BCPA Friends of BCPA

Charity No. 1020941 Email: fobcpa@gmail.com incredibly hard on learning HAPPY NEW Charity YEAR!No. 1020941 £528.51 for Children in Need. Email: fobcpa@gmail.com lines, and performing their The children were asked to Friends of Bishop's Cleeve songs and choreographies. come dressed as a hero. It was Primary Academy had a fantastic 2015! We raised lots Reception children treated us inspiring to see teacher and doctor costumes in amongst to Wriggly Nativity, a very of money for the school and Batman & Wonder Woman. apt name. The songs were had a great time doing it. We look forward to having just as sung with such enthusiasm the 2016 SCHOOL STARTERS audience was star struck! much fun in 2016! The deadline for applications is 15th January 2016, if Year 1 treated their parents December is always a busy you haven't submitted your to a carol concert, a month for the FOBCPA, the wonderful way to get into the application yet and have some staff and the pupils. The last minute questions or would Christmas spirit. Christmas cheer started with like to book an appointment the children designing their Fab play from Year 2 (The to come and look around the own Christmas cards. We magic Christmas Jigsaw), an school please contact the school mulled wine and decked amazing amount of script office on 01242 673814 or the halls for the FOBCPA the children had learnt in email admin@bishopscleeve. Christmas Shopping Evening. addition to all the songs. gloucs.sch.uk The event was a great Very enthusiastic singing opportunity to support local especially from some of the crafters and businesses and Carol Singers! It put us all in a to get something a little extra Christmassy mood. special for Christmas. The Year 2/3 choir sang at The Friends then donned their the Cleeve Chorale's Christmas elf hats and stripey socks to concert. Mrs Powell was very throw the Christmas parties for proud to take such wonderful the children. Reception children singers along to the beautiful enjoyed craft activities and St Michael's Church. party games, and met Father Year 4 performed “Angels Christmas. We are happy to report that all helpers, staff and Up High”, the Christmas story retold by angel Gabriel and children were on the "good list". his band of restless angels. Year 1 and 2 had a magic time being entertained by Mr Niggles, Fabulous songs and a stunning performance featuring a with party tunes, magic tricks and a visit from Father Christmas “won-won-wonderful” King Herod, enterprising inn keeper, and the juniors enjoyed their New Year Discos with disco lights tea-towelled shepherds and and the school’s own DJs Moss & glitzy wise men. Mears mixing the tunes. Years 5 & 6 sang a selection of carols at St Michael's Church. The parties were a well The Choir Parents were not only allowed earned celebration for the to watch - they were expected children. The Christmas plays this year were (in our opinion) to join in with the singing also! the best yet. The staff The School Council organised and children have worked a hero day and raised Page 24 To advertise call 07740 784 444 or 01242 500 028 or visit www.bishopscleevemagazine.co.uk


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Page 25


11 Ta F -1 ste RE 4t r E h W Ja e n u ek ar y

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www.slimfitness.co.uk 07886 486577 Page 26 To advertise call 07740 784 444 or 01242 500 028 or visit www.bishopscleevemagazine.co.uk


New Weight Loss & Fitness Classes by former Rosemary Conley Franchise open in Gloucestershire

MY TOP 5 TIPS FOR LOSING WEIGHT AFTER CHRISTMAS

Julie recently moved to Cheltenham from London where she ran a successful Rosemary Conley Diet and Fitness Franchise. Upon the collapse of Rosemary Conley Fitness and Foods in 2014, Julie continued on her own and has launched her new venture in Gloucestershire under the banner of Slim Fitness. Julie uses the same formula of diet and exercise in her classes as she is convinced that it is the winning formula. “You absolutely need both diet and exercises in order to lose excess weight and maintain that weight loss long term" says Julie. With 9 years experience in the diet and fitness industry, Julie is frequently described as an

1. DON'T PANIC! It will not help you. If you are really serious about losing weight, give yourself time. Don't starve yourself to try and lose your Christmas weight gain. Instead look for a sensible healthy eating plan that you can follow long term. 2. MAKE SMALL CHANGES. Don't try and change everything overnight. Make one change at a time and keep doing it. 3. REDUCE ALL YOUR PORTIONS BY 25%. Simple and effective. 4. WALK EVERYDAY and motivate yourself by counting your steps. 5. REVIEW YOUR FRIENDSHIPS. Hang out with people who are positive and support your goals.

inspirational instructor by her members and she has helped hundreds of people to lose their excess weight and get fitter. ‘I struggled with my own weight for years and through a combination of healthy eating and moderate exercise I am now at my ideal weight. As a mother of 3 in my 40's I can honestly say that I feel happier, fitter and more energetic than I did 10 years ago’, she commented. Her classes are fun, friendly and welcoming. No one feels out of place and everyone can work at their own pace. FREE JOINING AND MEMBERS PACK WORTH £25 WHEN YOU JOIN PREMIER CLUB ONLY £24 PER MONTH BEFORE 31ST JANUARY 2016. Contact Julie on 07886 486577 or julie@slimfitness. co.uk. For more information you can also visit her website: www.slimfitness.co.uk

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ent M

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Location: Near Tewkesbury Page 28 To advertise call 07740 784 444 or 01242 500 028 or visit www.bishopscleevemagazine.co.uk


Home & Interiors New Year, New Style?

By Katherine Sorrell

More easy updates

If your New Year’s resolution is to refresh your home with a fashionable look, interiors expert Katherine Sorrell can help.

Where do I start?

Think about what parts of your home feel most tired and unloved - perhaps walls could do with a wash of fresh paint. Dulux’s colour of the year is Cherished Gold, a goldinfluenced ochre that can be used on its own as a statement or as a highlight in combination with other hues. The overall colour palette for this year is muted, warm and soft yet also sophisticated - think coral, not orange; ochre not yellow and midnight, not blue. Another of Dulux’s 2016 themes is to have vintage and antique references support those of the modernday in a palette that includes chocolate, sand, a deep, pinkish red, muted orange and spicy browns. Ideal to overhaul any style of property.

You may not be in the market for buying new furniture, but there are still ways to update your old pieces for a fabulous new look. Ikea has identified a key trend this year for personalisation – just look at what can be done with an inexpensive chest of drawers, spray paint and some imagination. On a subtler note, a change of paint colour, or even a wood stain, combined with new knobs or pulls will give wooden furniture a new lease of life, while for really on-trend attitude you could have a table top covered in marble, slate or zinc.

Keep going around the house.

Add interest to dull walls with an eye-catching, stick-on-peeloff design, a metal-framed mirror or an oversized print. Boring floor? Time for a new rug – or sand back or paint old wooden boards. Something simpler? Adding a sheepskin to an old sofa or chair will give instant uplift, as will a change of bed linen, towels or small accessories such as cushions, storage baskets or vases. How about lights? A sassy lampshade can alter the look of an entire room, while filament bulbs will give your lighting a hot vibe. What about a cool coat hook, new door knobs, some kitchen canisters or a bathroom soap dispenser? The

smallest things can make a big difference. The high-street chains are brilliant at tapping into new trends with affordable products, so get browsing!

What other trends should I be keeping an eye on?

While a striking monochrome palette of black, white and grey will be big in 2016, opulent metallic accents are also catching on, and work well with modern and traditional decors. The look can be either industrial or retro-glam – as per Bemz’s ‘Deco Glam’ look, described as ‘cosy glamour with a Seventies twist’. ‘Create a more glamorous Seventies style in our homes: think Charlie’s Angels, Studio 54, and Bianca Jagger,’ says Lesley Pennington, CEO of Bemz. She recommends mixing plain fabrics in rose, steel, mineral blue and straw with geometric accents, plus dark wood, shiny brass, fluffy cushions, small tables and statement floor lamps. Alternatively, the Scandi look is all natural, textural, tonal and pared-back, including sheepskin, leather, wood and felt. For more colour, go for a folk-inspired style with brighter tones of red, orange and teal, combined with intricate florals, handicraft and woodland-inspired images. Lastly, Graham & Brown have predicted four trends based around the catwalks at London Fashion Week: meadow prints, statement reds, intricate lace detailing and a throwback to the Eighties. You have been warned… Main Image: Ikea predicts a trend for personalisation, whether it’s using stains, stencils or freehand painting.

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Page 29


DOG TRAINING AT YOUR HOME

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equipped to deal with all makes Without a maintenance and models, and supported by contract in place, there’s a team of in house technical always the risk that a support staff. We always allow breakdown will quickly lead the time needed to complete a to unwelcome expense. Joining is easy and there are job properly and charge No Compare Tempted to skip your annual no hidden extras. It only takes a Excess fees. boiler service? Don’t - it’s few minutes to complete our HomePlan false economy - plus a simple form. All we need are regular overhaul will increase your contact details, basic A Fixed Ongoing Compare efficiency, reduce bills and information about your boiler a mainten Cost Guaranteed A Fixed Low Cost A Fixed Low Cost of £7.99Without a HomePlan prolong its life. and a completed direct debit contract in place, Frozen At £16.99 Of £7.99 A Month, For mandate. Then just return it to month, for the first months. always the risk tha For 212 Years. The First 12 Months. 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CODEWORD Each letter in this puzzle is represented by a number between 1 and 26. The codes for three letters are shown. As you find the letters enter them in the box below.

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Page 32 To advertise call 07740 784 444 or 01242 500 028 or visit www.bishopscleevemagazine.co.uk


Time for a New Tradition By Alison Runham www.alison.runham.co.uk If your New Year traditions have dwindled to a rather slurred singing of Auld Lang Syne as the Big Ben chimes fade, why not adopt new ones this New Year or revive old customs? Lucky New year NibbLes It’s a Spanish tradition to eat twelve grapes, making a wish with each one, for every chime of the clock - bringing twelve months of happiness. In the southern US, Hoppin’ John, a traditional dish of black-eyed peas and ham hocks, brings a year of plenty, while Italians eat one spoonful of lentil stew with each toll of the midnight bells. The round lentils represent coins and good fortune, while in Germany, luck comes via tiny marzipan pigs. Greek hostesses places jewellery on a plate on the table to symbolise prosperity in the coming year and hide a coin inside their Vassilopitta (King’s Pie) that brings blessings to its finder. The Portugese also cook King Cake, or Bolo-Rei, which resembles a crown and conceals a lucky fava bean (although the finder pays for next year’s Bolo-Rei, so not so lucky). In Estonia, seven, nine and twelve are lucky numbers, and eating seven, nine, or twelve times on New Year’s Eve is believed to give you the strength of as many men

as meals you’ve consumed. Warning: you may need to diet afterwards. Get DresseD up aND Make soMe Noise Filipinos wear clothes with spots to represent coins and bring luck, and Spaniards and Italians wear red underwear for the same reason. In South America, they opt for coloured underwear too: red for finding love, gold for gaining wealth and white for peace. Mexicans believe red signifies love, yellow means improved employment, green improves finances and white brings good health. Perhaps new underwear for Christmas could be doubly beneficial if you specify the colour? Auld Lang Syne, a traditional song transcribed by Robert Burns and made famous by bandleader Guy Lombardo, is the most popular New Year song in English-speaking communities, but why not make up your own? The tradition of firing guns at midnight is probably best left abandoned, but you could beat drums Swiss-style, bang saucepans Filipino-style, or follow Buddhist Temple tradition by striking a gong 108 times at midnight to expel the 108 human weaknesses.

out with the oLD, iN with the New The first-footing tradition has dwindled in the UK, but the belief is that the first foot through your door after midnight dictates your household’s luck for the year. Tall, dark visitors and new mothers or brides are especially lucky, and should come bearing traditional gifts: coal, shortbread, salt, coins and maybe a tot of whisky. Worth a revival? In Denmark they break old plates at the door of family and friends, but cleaning your house as the Japanese do may be safer. Or why not make a bonfire with the Christmas tree, like the Dutch? While it’s burning, throw on a list of last year’s bad events, Mexicanstyle, or burn unwanted photographs and clothes as they do in Ecuador. In Costa Rica and Venezuela, people run across the street with luggage to wish for new adventures, but leaving a travel brochure under your partner’s nose may be more effective. New resoLutioNs The Babylonians, who supposedly ‘invented’ New Year’s resolutions, returned borrowed farm machinery and tried to start the year debt-free (as many Russians apparently do). Sounds like as good as resolution as any...

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Page 33


Lamb & Spinach Curry Serves 4

Ready in 55 minutes This mildly spiced curry thickened with red lentils and spinach will make a refreshing change for a family meal after all the traditional food over the festive season. Serve with a cooling cucumber and mint yoghurt and some warmed naan bread for a really filling mid-week supper.

Ingredients: • 2 tbsp oil • 600g lean lamb steaks, cut into chunks • 1 garlic clove, peeled and crushed • 1 large onion, peeled and chopped • 6 tbsp balti curry paste • 75g red split lentils • 400g can chopped tomatoes • 200g baby spinach leaves • 2 tbsp chopped fresh coriander • Boiled basmati rice and lemon wedges to serve

TIP For a spicier flavour replace the balti curry paste with one that has a little more heat such as Madras. Adding some finely chopped red chilli when frying the onion will also boost the heat factor!

Heat half the oil in a large heavy-based pan over a medium-high heat. Add half the lamb pieces and fry for 3-4 minutes, turning occasionally until browned and sealed all over. Remove the lamb with a slotted spoon and set aside. Add the rest of the oil and fry the rest of the lamb pieces in the same way. Add the onion and garlic (and a splash more oil, if needed) and fry over a medium heat, stirring occasionally for 3-4 minutes, then stir in the curry paste and fry for a further minute until fragrant. Return the meat to the pan and stir to coat in the curry paste. Stir in the chopped tomatoes, 300ml cold water and the lentils. Reduce the heat then cover and simmer for about 30 minutes, or until the lentils are soft and the meat is tender. Season to taste with salt and freshly ground black pepper. Stir in the spinach and coriander. Cover and cook for a further 2-3 minutes until the spinach has just wilted. Serve with the boiled basmati rice and lemon wedges.

Charity lottery win couple donate to local hospice A big hearted couple from Bishop's Cleeve are celebrating winning £1,000 on the new Sue Ryder UK lottery, and despite needing the money to carry out necessary bathroom alterations, they have donated £100 back to Sue Ryder Leckhampton Court Hospice. The £1,000 win couldn’t have come at a better time for Sophie Brook and her husband Jonathan, who experienced complications following a hip replacement he had earlier this year. The Sue Ryder Lottery win means the family are able to install a bath into their shower room to help with Jonathan’s pain relief – something they have wanted to do for some time. Sophie said, “This unexpected win has cheered us all up and made us smile. We have been wanting to put a bath into our shower room to help with Jonathan’s pain relief for some time after he experienced complications following surgery earlier this year. This win could now make this possible. Thank you so much to Sue Ryder. I was stunned to hear that we’d won £1,000.” Despite needing the money to make adaptations to their home the big hearted couple have incredibly decided to donate £100 of their win to Sue Ryder Leckhampton Court Hospice. Sophie continued, “Sue Ryder is an amazing charity and very dear to my heart,

so I wanted to donate £100 of the win back to the local hospice.” “I want to thank Sue Ryder for this much needed lottery win and also say a huge thank you to all the amazing staff at the hospice who do such an fantastic job.” Elise Hoadley, Director of Sue Ryder Leckhampton Court Hospice said, “We are delighted one of the very first winners of the recently re-launched national Sue Ryder Lottery is from Gloucestershire, and what very deserving and kindhearted winners they are!” “Donating £100 of their winnings back to us is an incredibly touching gesture, and one which will help us to provide more care for local families at a time they need it most.” “Everyone at Leckhampton Court wishes Sophie, Jonathan and their family all the very best.” Sue Ryder Lottery players are asked to sign-up for £1 a week, with winners randomly drawn every Friday with 1st Prize - £1,000, 2nd Prize £100, 3rd Prize - £50, plus 30 £5 winners. There is also a roll over prize of up to £10,000. Starting at £200, this prize can be won at any time and is designed to grow each week to a maximum of £10,000. For more information about Sue Ryder and to play the lottery visit www. sueryder.org/lottery


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Golden Years

Memories of 50 Years Ago by Ted Bruning California, when the undercarriage of a B-29 collapsed during an emergency landing. The detonator of the plane’s single nuclear bomb went off causing a fire in which 19 people were killed, including an Air Force general).

rather heart-stopping moment when a robot submersible got hold of it, only to drop it again. Another robot submersible managed to tangle itself in the bomb’s parachute lines; on both occasions it was human divers who sorted out the mess. Ortis, meanwhile, claimed salvage rights to the bomb and was awarded a very substantial but undisclosed out-of-court settlement.

At Palomares a B52 collided with a KC-135 tanker while refuelling over the coast of Spain. All four of the tanker’s crew and three of the bomber’s crew of seven were killed. Three of the B52’s bomb load of four hit the ground near the fishing village of Palomares and the other drifted out to sea. The detonators of two of the three that fell ashore were ignited, scattering plutonium over an area of three square kilometres. The US Government subsequently paid out $120m in compensation to 500 local residents who suffered radiation sickness; no-one knows how many Spaniards died as a result but local people working on the clean-up operation were not issued with the protective gear worn by the US personnel engaged on the same task.

After Palomares the USAF seems to have learnt a lesson either about air safety or about the reporting of nuclear incidents involving its aircraft, because only one such has been recorded since, and then in conditions that were egregiously harsh. On January 21st 1968 a B52 crashed immediately after take-off in appalling weather in Greenland. The detonators of all four bombs exploded, setting fire to the plane’s 35,000 gallons of fuel and generating such intense heat that one of the warheads actually melted.

The B28RI nuclear bomb, recovered from 2,850 feet (870 m) of water, on the deck of the USS Petrel

Trident: to renew, or not to renew? This is perhaps not the place to air the pros and cons of the nuclear debate but it is an opportunity to remind readers that January 17th is the golden anniversary of one of the worst – and thankfully almost the last – accidents that the US Air Force had with its nuclear bombs. Many people are surprised to learn how many air crashes or similar accidents involving nuclear bombs there were in the early years of the atomic era. The USAF and US Navy between them suffered an amazing 27 between 1950 and 1968, in which 70 aircrew were killed. In almost all cases the detonators of the bombs being carried blew up, although the bombs themselves didn’t. (Well, you’d probably already know if any had!) The Palomares Incident, in which seven crewmen died, was the last but one of these nuclear near-nightmares, although far from the worst. (That was on August 5th 1950 at Fairfield-Suisin Air Force Base,

The whole thing ended more as farce than tragedy: a Spanish fisherman, Francisco Ortis, saw where the missing bomb had splashed down and guided a recovery fleet of 26 US Navy warships to the spot. It had rolled into a deep underwater trench and took three months to locate and recover: there was a

Anyway, since then, nothing. Not a single bad day at work has been reported. So, since we started by talking about Trident, let’s move on to the safety record of Soviet nuclear submarines. On second thoughts, let’s not!

Happy 50tH BirtHdays to Shabba Ranks (17th), and Stefan Edberg (19th) Cake and botox to you all!

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Page 37


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Review Of The Year 1. What was the name of the lion that was killed in Zimbabwe on July 1st after a dentist from Minnesota was reported to have paid 50,000 dollars to hunt him? 2. In May 2015, Ireland became the first country to legalise what by popular vote? 3. Which band cancelled their Friday night headline slot at the 2015 Glastonbury Festival after lead singer Dave Grohl fell off stage and broke his leg at a concert in Sweden? 4. With 19% of the votes, who finished runner-up in the 2015 Labour Party leadership election? 5. What was the name of Banksy's art project that was constructed in Westonsuper-Mare and was described as a "family theme park unsuitable for children"? 6. In which 2015 film did Sandra Bullock voice a villain called Scarlet Overkill? 7. Libby Lane was in the news in January 2015 after becoming the first what? 8. In 2015, who became only the second British female solo artist to have had five number-one hit singles in the UK? 9. What was the name of the dog that, together with his owner Jules O'Dwyer, won the 2015 series of Britain's Got Talent? 10. Other than the Conservative Party and the Labour Party, what was the only party to win over 10 percent of the total votes cast at the 2015 General Election? Page 38 To advertise call 07740 784 444 or 01242 500 028 or visit www.bishopscleevemagazine.co.uk


Bishop's Cleeve Useful Numbers CHURCHES St Michaels & All Angels

UTILITIES 01242 673612

SCHOOLS Bishop's Cleeve Primary School 01242 673814

Electricty -足Power Loss

0800 365 900

Gas Emergency

0800 111 999

Water Leaks

0800 169 1144

Water Severn Trent

0800 783 4444

Grangefield Primay School

01242 671003

Cleeve School

01242 672546

HELPLINES

Woodmancote School

01242 674312

Gretton Primary School

01242 602679

Alcoholics Anonymous 0845 769 7555 Childline 0800 1111 Citizens Advice Bureau 0870 120 4040 Crimestoppers 0800 555 111 Directory Enquiries 118 500 Drugs Helpline 0800 776 600 Floodline 0845 988 1188 Parentline Plus 0808 800 2222 RSPCA 0300 123 4999 Samaritans 01452 306333 National Missing Persons 0500 700 700

Gotherington Primary School 01242 675454 Winchcombe School

01242 602233

Winchcombe Abbey Primary School 01242 602447

DOCTORS & PHARMACY Greyholme Surgery

01242 675004

Stoke Road Surgery

01242 672007

Badham Pharmacy Stoke Road 01242 672211 Badham Pharmacy Church Road 01242 672653

Nuffield Health Hospital

01242 802897

Cheltenham General

03004 222222

LIBRARIES Bishop's Cleeve Library

0845 2305420

POST OFFICES 01242 620201

Bishop's Cleeve Post Office

01242 672482

Gotherington Post Office

01242 672249

Ambulance (Emergency Only) Fire (Emergency Only) Gas Emergency Police (Emergency Only) Police (non-emergency) NHS Direct

999 999 0800 111 999 999 101 111

me

Alderton Post Office

EMERGENCY NUMBERS

al

Gloucestershire Royal Hospital 0300 422 2222

dic

HOSPITALS

TRAVEL Bus Information

01452 418630

Train Information

0845 748 4950

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Finance A Fresh Financial Start in 2016 – Begin the New Year with a Budget By Ann Haldon If you’ve overspent this Christmas, you might be wondering how to get your finances back under control. It’s easy to get carried away by the spirit of giving – the problem is, it can jeopardise your financial wellbeing into the New Year and beyond. So what can you do to get yourself back onto a firm financial footing? One of the first things is to analyse your finances and make a realistic budget. By taking a long-term view and identifying exactly how much you spend during the course of a year, you can take back control of your dwindling finances, and prevent spiralling into long-term debt. Why budget? A budget helps to establish whether you’re living beyond your means. This isn’t always obvious on a day-to-day basis but if you’re constantly spending more than you earn, at some point you might find yourself unable to keep a roof over your head. But there’s a secret to making a budget that’s fit for purpose, and that’s to incorporate every expense that you make during the course of the year, including Christmas, birthdays, summer holidays and more. Birthdays and Christmas Friends’ and family birthdays

may only cost a few pounds here and there, but over the course of a year, and in addition to Christmas expenses, constitute a significant chunk of annual expenditure. It’s going to take some time to calculate your total spend for the year, but once it’s done you’ll be able to use it confidently to improve your long-term financial situation, and set yourself up for a lifetime of control. Non-regular expenses, plus how much is coming in Motoring costs such as car insurance, tax, new tyres and the annual service are easily forgotten. Annual membership subscriptions are also often left out, as is one of the biggest expenses of the year - the summer holiday. When thinking about the money that comes in, don’t forget to include wages, benefit and pension payments, and any income from savings, investments or selfemployment. Once you’ve totalled the figures, deduct your expenses and hopefully you’ll be left with a positive number. Not a static document Your budget isn’t meant to be a static document. It needs to reflect your income and spending in the long-term, and this is likely to change often.

So make it part of your routine to update it regularly, and make sure new expenses and sources of income are carefully recorded. Having a clear idea of where your money goes will also help to meet specific financial goals such as saving for retirement, putting money away for a deposit, or simply avoiding debt. Achieving financial clarity in this way helps you to live the life you want, so don’t view it as a restriction on spending – it’s more like the road to freedom. So you’ve got all your figures – what now? There’s a great way to divide up your money called ‘piggybanking.’ It’s described in detail on the Money Saving Expert website, and essentially means opening a separate bank account for each of your main categories of spending. This allows you to allocate an amount of money to each one via standing order from the main account. The word ‘budget’ often implies having to go without, but knowing your spending patterns and gaining financial control can give you back your freedom – the freedom to enjoy life without the worry of debt. http://www.moneysavingexpert. com/banking/Budget-planning

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Page 41


2. As of 2015 how many MEPs are in the European Parliament? 3. Which British retailer was responsible for the ISBN system?

A

1. 2. 3.

Q.

1. Who in 1961 became the first American to travel into space?

Alan Shepard 751 WH Smith

Page 42 To advertise call 07740 784 444 or 01242 500 028 or visit www.bishopscleevemagazine.co.uk


What's On in January New Year's Day at the Racecourse Sunday 1st January, 10.30am 4pm, Cheltenham Racecourse

Come and welcome the New Year in style! There will be 7 races with world class jockeys and horses, and entertainment for all the family. First race starts at 12.10pm; tickets from £10. For more information visit: www.cheltenham.co.uk Brass Monkey Swim Sunday 3rd January, 11am - 2pm, Sandford Park Lido Two races, two different distances (500m or 1km) and both are freezing cold! This event is for the most hard of swimmers only! Spectators welcome - come and support the swimmers. For more information visit: www.sandfordparkslido.org.uk

For more information visit: www.country-markets.co.uk Cheltenham Festival of Performing Arts Sunday 10th January: 10am - 11am: 8 - 11 year olds; 11.15am - 1.15pm: 12 - 16 year olds; Sunday 31st January: same as above Cheltenham Town Hall A range of performing art workshops for children of all ages to enjoy. There will be a different theme each time, no previous drama experience neccessary. Your kids can just come and enjoy the fun - you never know, who might be a naturally born entertainer! Tickets can be purchased from the Cheltenham Town Hall Box Office: 0844 5762210. Winchcombe Live Season 4 Friday 15th January, 8pm - 10pm, The White Hart Inn, Winchcombe Live Music from the Joe Corbin Trio. Let's Hang On 2016 Saturday 16th January Cheltenham Town Hall Let's Hang On return to the Town Hall due to the amazing response they had a previous gigs. If you love Frankie Valli & the Four Seasons, you'll be dancing a lot at this unmissable event. Admission: £24.50. Tickets can be purchased from the Cheltenham Town Hall Box Office: 0844 5762210.

Winchcombe Folk Night First Tuesday of the month, 8pm -10.45 pm, The White Hart Inn, High Street, Winchcombe, GL54 5LJ Open Mic Night: a mixture of regular contributors performing traditional and contemporary songs as well as newcomers. Come along from some great music and atmosphere. Admission: free (voluntary charity contribution). For more information call: 01242 602236.

Philharmonia Orchestra Matinee Sunday 17th January, 3pm, Cheltenham Town Hall

Country Market Thursday 7th & 21st January, 9am - 10.30am, Guide Hall, High Street, Winchcombe, GL54 5LJ Saturday 9th January, 9am – 12 Noon, under the Town Hall, outside the Tourist Information Office

An afternoon of Mozart and Haydn. Conducted by Michael Collins. Prices: £12.50, £15.00, £27.50 & £32.50. Tickets can be purchased from the Cheltenham Town Hall Box Office: 0844 5762210.

Tea Dances Monday 18th January, 2.30pm Cheltenham Town Hall A fun and social afternoon of dancing, live music, tea and biscuits. Admission: £5.00. Jack and the Beanstalk Wednesday 20th - Sunday 24th January, The Bacon Theatre, Dean Close School, Hatherly Road, Cheltenham, GL51 6HE It's panto time at the Bacon Theatre: Come along for fun and laughter! Early booking recommended. Admission: £10 £14. For more information and tickets call: 01242 224 144. The Elvis Year Thursday 21st January, 7.30pm, The Roses Theatre, Tewkesbury Tribute to the King of Rock by Mario Kombon. Admission: £20.50. Burns Night Whisky Tasting Monday 25th January, 7.30pm, The Roses Theatre, Tewkesbury

Come along and enjoy different Malt Whiskies and a host of Scottish Treats like Tatties and Haggis. Tickets: £20 per person. Festival Trials Day Saturday 30th January Cheltenham Racecourse Come to what's known as the best one day jump fixture in the UK, and get notable pointers of horses ahead of The Festival in March. For more information and tickets visit: www.cheltenham.co.uk Wedding Inspiration Day Sunday 31st January, 11am - 3pm, Pittville Pump Room, East Approach

Please mention Bishop's Cleeve Magazine when responding to advertisers

events cont'd on p45...

Page 43


Pictograms 2 words

D RAC EA

WRIGHT TWAIN OWEN RONSON

You have two minutes to find all the words of three or more letters that can be made from the letters above. Plurals are allowed, proper nouns are not. The 6 letter word will always be just a normal everyday word.

3 words

3 letters: 7 4 letters: 9 5 letters: 5 6 letters: 1

EXISTENCE Puzzle & Crossword Solutions

4 words

Review Of The Year

GEORGE VI

WORDWHEEL

Using only the letters in the Wordwheel, you have ten minutes to find as many words as possible, none of which may be plurals, foreign words or proper nouns. Each word must be of three letters or more, all must contain the central letter and letters can only be used once in every word. There is at least one word that uses all of the letters in the wheel.

TARGET Excellent: 20 or more words Good: 16 words Fair:12 words

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T

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Across: 1 Sloppy, 4 Icicle, 9 Observe, 10 Ample, 11 Taste, 12 Theatre, 13 Continually, 18 Patient, 20 Apple, 22 Lions, 23 Octopus, 24 Scroll, 25 Adults.

10

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Quick Crossword

1. Cecil 2. Same-sex marriage 3. Foo Fighters 4. Andy Burnham 5. Dismaland 6. Minions 7. Female bishop (in the Church of England) 8. Jess Glynne 9. Matisse 10.The UK Independence Party (UKIP)

4 3

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Pictograms 1. Full Marks 2. Kiss Of Life 3. Thinking Outside The Box

Page 44 To advertise call 07740 784 444 or 01242 500 028 or visit www.bishopscleevemagazine.co.uk


...events cont'd from p43 Drive, Cheltenham, GL52 3EJ Explore the popular wedding venue and meet local suppliers. Free Admission.

LOCAL CLUBS & CLASSES Bishop's Cleeve Players Meet every second Tuesday of the month, 7.30 – 9.30pm School Room, The Tithe Barn We are a friendly local amateur dramatic group who welcome anyone with an interest in the theatre. There are a variety of roles within our group not just for those wishing to act. No previous experience neccessary. Get in touch via email: bishopscleeveplayers@yahoo. co.uk or come along to one of our monthly meetings. For more information visit: www.bishopscleeveplayers.co.uk

Carers but are home alone or would simply like to meet with others for friendship. For more information contact Graham Teale on 01242 673001. November 10th: Christmas Flower arranging, speaker: Mrs Leslie Murphy Guided Walks of Historic Winchcombe Every Sunday, 11am and 2.30pm Tourist Information Centre Free Town Walks for anyone who is interested in the fascinating history of Winchcombe – from ancient Saxon Borough to WW2 and beyond. The walks are short and easy and designed to be accessible to all (less than a mile). Duration: 1–1¼ hours. The walks are led by local people who are keen to share the history of, and their enthusiasm for, the area. Places are limited to 10, but larger parties can probably be catered for if pre-booked. For more information come into the Tourist Information Centre in Winchcombe, call 01242 602925 or email: winchwalks@ btinternet.com

Cheltenham Parkinson’s Group Last Tuesday of the month – evenings or daytime depending on the activity, St Mark's Methodist Church Hall, Gloucester Road, Cheltenham, GL51 8PX We offer information, friendship and support to local people with Parkinson's, their families and carers. We also organise regular events and social activities, all are welcome to join us. Contact Jane Henderson, Volunteer Coordinator, on 0344 225 3694 or jhenderson@parkinsons. org.uk if you are interested in coming along. See more at www. parkinsons.org.uk/local-supportgroups/regions/cheltenham-anddistrict-branch

Methodist Church Meetings Wednesdays 2.00pm, Church Hall New members always welcome.

Cleeve Carers & Friendship group St. Michael’s Hall The Cleeve Carers and Friendship group reaches out to those in the Community who may not be

Get Active Fitness Every Tuesday Morning The Tithe Barn 9.30am Total Body Conditioning 10.30am Mellow Moves for Seniors Pay as you go. For more information

Woodmancote Probus Club Tuesdays, Woodmancote New Village Hall Meetings start at 10am with refreshments followed by a talk at 10.30am.

Fitness 3rd Age Womens’ Workshop & Workouts The Tithe Barn Are your hormones dancing in harmony? Is there too much rise and fall with your hormones? Come and find out what you can do to help. For more information contact Joan Palmer on 07957 308968 or email: joan@mumsfit.co.uk

call Fran on 01242 523363 or email getactivecheltenham@ gmail.com.

Music Blue Moon Harmony Choir Thursday evenings 7.30pm - 9.30pm Bishop's Cleeve Junior School Blue Moon Harmony Choir was founded in 2002 with over forty regular members. However, we would welcome new singers in all parts. You are guaranteed a warm welcome and friendly support as we practice new songs together. You don¹t have to read music as CDs are supplied to help with learning. For more information call John on 01242 251531 or visit: www.bluemoonharmony.co.uk Cleeve Chorale Tuesdays 7.30pm Bishop’s Cleeve Primary Academy Are you interested in having a good sing (no previous experience required)? Then come along to our rehearsal nights. For more information call: 01242 672881. Cleeve Harmony Ladies A Capella Chorus Wednesday evenings, 7.45-10pm, The Tithe Barn Whether you are a Bedroom Beginner, a Shower Songstress or an Experienced Singer, come and join in this brand new chorus. For more information, email Donna at cleeve.md@gmail.com or ring on 07737 280336. You can also find us on Facebook: Cleeve Harmony Chorus.

Please mention Bishop's Cleeve Magazine when responding to advertisers

Page 45


advertisers index Aerials & Satellites Digital TV & Satellite Systems Architectural Stonemasonry HD Masonry Artists & Authors Elizabeth Tebby Germaine Beauty Just Me Time Beauty Boat Moorings The Old Rectory Bookkeepers The BooksAngel Building, Maintenance, Repair, Carpentry & Handyman Services, Painters & Decorators Dave Dowell HD Masonry LB Services Marshall's Driveways Matt Grimshaw Carpentry Toby Webb Painting & Decorating Caring Services Family Friend Carpets Goodrum Carpets Charities & Community Building Circles Cotswold Listener Cleaning & Domestic Services Tewkesbury Cleaning Electrical Services LB Services Pro Electrical Entertainment / Theatre / Events Cleeve Harmony Roses Theatre Sunshine Radio

6 10 27 25 22 13

36 10 6 3 11 40 40 8 8 10 11 6 30 18 47 20

Food & Drink Court Farm 11 Gloucester Biltong 11 Jelly Roll Cafe 40 The Clubhouse Prescott 35 Wiltshire Farm Foods back page Foot Clinic Fothergill Foot Clinic 28 Furniture Gloucester Furniture 22 Gloucester Import Furniture 2 Garden Centres Tewkesbury Garden Centre 15 Gardens & Landscaping Edward Price 40 Guttering Severn Guttering Services 40 Health & Fitness Slim Fitness 26-27 Slimming World 40 Holidays Road River Rentals 18 Hypnotherapy & Reiki Advance Practice 10 Positive Exchange 28 Interior Design Bella's Interior 40 Kitchens Knightsbridge Kitchens 25 Language Classes Girotondo Languages 6 Locksmiths MM Locksecure 30 Life Coaching MG Empowerment 25 Memorials Simply Stone Memorials 32 Motoring, MOT’s & Vehicle Sales

Whilst every care is taken to ensure accuracy, the publisher cannot accept responsibility for loss, damage or omission caused by error in the printing of an advert. All artwork is accepted on the strict condition that permission has been given for use in the publication. Glos Directories does not officially endorse any advertising/editorial material included within the publication. All rights reserved. No part of this publication may be reproduced, stored in any retrieval systen or transmitted in any form - electronic, mechanical, photocopying or otherwise - without the prior consent of the publisher. The use of this magazine for canvassing or direct marketing is strictly prohibited.

F

Include your business in the February issue - call us today or visit www.bishopscleevemagazine.co.uk

Advertising Rates start from only Sixteenth Page £18 Eighth Page £28 Quarter Page £35 Half Page £58 Full Page £99 Per month & excl vat

Cheltenham Scratch & Scuff 20 JT Vehicle Services 20 Power Station 38 Warners Motor Group 21 Oven Cleaning Oven Cleaning Specialist 28 Paving & Tarmac Specialists Cheltenham Town Lanscaping & Driveway Services 7 Marshall's Driveways 3 Pets & Vets Echo Dogz 30 Folly Gardens Veterinary Clinic 17 Wagging Tails 18-19 Plumbing, Heating & Boiler Services LB Services 6 Johnston Scotia 31 Paul Tamcken Plumbing & Heating 32 Removals Swift Removals & Storage 36 Roofing LCM Flat Roofing 13 Shopping Court Farm Shop 11 Sport Supplies HPS TR Ltd 3 Storage Compton Green Business Park 27 Swift Removals & Storage 36 Television Aerials & Satellites Digital TV & Satellite Systems 6 Venues The Clubhouse Prescott 35 Website Design & Marketing TurnRound 8 Windows, Doors & Conservatories Cloudy 2 Clear 38 Indeluxe 4 FirmFix 7

Read The Online Editions

Page 46 To advertise call 07740 784 444 or 01242 500 028 or visit www.bishopscleevemagazine.co.uk


Begin 2016 at The Roses...

Carol (15) Fri 8 - Thurs 14 Jan

Bridge Of Spies (12A) Fri 15 - Wed 27 Jan

The Elvis Years Thur 21 Jan 7.30pm

The Dressmaker Burns Night Steve Turner Whisky Tasting Tues 26 Jan 8.30pm (12A) Sun 24 & Tues 26 Jan

Mon 25 Jan 7.30pm

Black Mass (15) Fri 22 & Mon 25 Jan

Fairport Convention

Thurs 28 Jan 7.30pm

ions Festivals Part Support Exhibit Live Film Take Live Film Take Part Support Exhibitions Festivals Live Film 2016 LiveTake FilmPart January - March January - March 2016 t Exhibitions Festival TakeSuppor Partival s port Sup s JanuarJanu y - March Exhibiti ons Fest ary - Mar 2016 Don’t miss Don’t miss ons Fest Exhibiti ch 2016 port ivals Don’t miss Coffee Don’t miss e Part SupCoffee Cotteswold TakCotteswold Film Roses @ The Roses @ The Cottesw Live Cott oldeswo Coffee our 2016 ch ld Coffee Have you tried @ The Have you tried our Roses Mar - cafe? @ The Rose ary new delicious delicious new cafe? Janu Have s you tried Haveour you tried our

delicious new ns Exhibitions delicio cafe? Exhibitio us new cafe? ’t miss gallery Don In our brand new In our brand new gallery Exhibitio Exhi nsbitions ld Coffee In eswo our brand Season In our Cott new gallery Oscar brand s Oscar Season new gallery Rose mainstream The best @ The The best Oscar mainstream Osca Season tried our film r Seas independent andyou Have and independent film The bestThe mainstream new cafe? best mainst on delicious & Drama and independent ream and indepe film Dance ns Dance & Drama ndent film of bitioseason A bumper Exhi A bumper season of gallery Dance Danc & Drama theatre brand new e & Dram ourphysical Inlive live physical theatre A bumper A bumpe a seasonr of on season of live physical live physic theatre Oscar Seas

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atre.org www.rosesthe www.rosestheatre.org 295074 01684 ww Box Office: osesthe Boxwww.r Office: 01684 5NX GL20 atre.org Glosw.ro sest295074 hea Sun Street, Tewkesbury, Box tre.org Box Sun Street, Tewkesbury, Glos GL20 5NX Office: Office: 01684 0168295074 SunSun Street, 4 295074 Street Tewkesbury, , Tewkesbury, Glos GL20 5NX

Star Wars: The Force Awakens

The Best Thing Tues 2 Feb 7.30pm

Forever Jackson Fri 5 Feb 7.30pm

From Sat 30 Jan

Please mention Bishop's Cleeve Magazine when responding to advertisers

Glos GL20 5NX tre.org sesthea www.ro 01684 295074

ce: 5NX Glos GL20 Box Offi , Tewkesbury, Sun Street

Download a brochure at rosestheatre.org

Page 47


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