Dede Sophie

Hello and welcome to the YouTube channel ‘Walking Talking Gardeners’, and just to give you a heads up the video we are looking at today is a little different to our usual fair. Instead of looking at the world of plants and gardens my wife Lorna wanted to make a video on the two main loves of the life – her tortoises Speedy and Gonzales. So sit back and enjoy Lorna introducing her two favourite beings and talking a little about what they eat and the differences between them. If you would like to see more content like this then consider pressing the ‘Like and ‘Subscribe’ buttons. If you would like to ask Lorna a question about her tortoises then leave a note in the comments.

There is certainly something to be said about the art of saving money.  It’s undeniable that a lot of us like to find good deals.  It can even be addictive, to some extent – if you’ve ever heard the stories about extreme coupon users, that’s one example of this desire spiraling out of control. Don’t worry, though.  Just because you enjoy saving some cash doesn’t mean things will get crazy.  In fact, it’s a good thing for most of us.  We should always try to find the cheapest options, especially when it comes to something like borrowing money. In this sense, it’s best to find the best APR.  This is a combination of any fees that are associated with a loan and the interest rate on it.  If we find a low annual percentage rate, we are saving money in the long-term.  Sure, we still must make repayments on the borrowed money, but less interest means less cash spent in this period. To some of you, this sounds like obvious stuff.  I mean, of course we want to find the best rates.  However, for