Finance

Eco-friendly packaging trends for 2019

The reduction of plastic is hot topic right now. No one wants to add single use plastic to the environment, which is why it is so important for businesses to set an example, especially when it comes to promotional items and packaging of said items. So, what are the alternatives? And, what eco-friendly options provide a sleek and stylish look that you’d be happy to attach your brand to? Paper wrapping Rather than using cellophane, opt for paper wrapping, there are a variety of options available, and you can either personalise it yourself, or there are a variety of companies that offer this service, so you’re able to get the look you really want. Paper wrapping can give you product a vintage or retro feel, which is very much on trend right now. It also makes your items feel more personal and valuable, rather than heavily manufactured single use plastic.…

Gift Ideas For Your Grandparents

I think older people are the sweetest – not only have they lived through so many different times, they tend to spoil their grandkids which obviously works in our favour. Unfortunately I only have one living grandparent, which is my maternal grandma, and I have so much time and patience for her. I think it’s so important to treasure the time you have left with them as they get older, but also to spoil them like they used to spoil you! If you’re trying to think of a gift idea for your grandparents, here are some that I’m sure they will love: 1. Something to Pamper Them As you get older, things start to become more uncomfortable, walking can become challenging and you start to feel every ache and pain everywhere. As such, I think it’s such a nice gift to treat your grandparents to some kind of pampering. What kind…

3 Tips for Saving Money At Home

Life can be expensive, especially when you factor in all the costs of running a home. I’m trying to save as much as possible in order to be able to finally buy my first home and eventually move away from the rental world. It’s a big purchase so it requires a lot of savings. This year  I’ve been really focused on ways that I can easily save money at home to cut costs down and to boost my savings. Here are my top 3 tips for saving money at home. 1. Cutting Down on Electricity Expenses Depending on where you live, this might be one of your biggest expenses, so any way that you can reduce the total electricity bill will make a dramatic difference to your overall monthly expenses. Your electricity bill will depend on what kind of appliances you have in your home. For example, if you have…

3 Ways to Transform Your Finances in 2019

The truth is, many of us aren’t as good with our finances as we think. Too many people live pay cheque to pay cheque, with very little buffer in case of emergencies. Others spend without thinking, not knowing where their money goes each month. Both of these situations are inefficient ways of handling your money, which can result in low savings, financial stress and more. By implementing a few small changes in 2019, you can transform your finances and achieve financial goals like never before. Here are 3 ways to dramatically improve your finances for this year: 1. Get Educated Most of us do not have enough financial education and mirror what our parents did, or whatever we were influenced by as children. This can be dangerous, especially if those around you don’t have the best financial habits. Investing in some education can help ensure you understand how to manage…

Finding it tough to save money? Read this post

Saving money can be challenging for many people. After all, we live in a time where instant gratification is the norm, and it’s all about keeping up with our neighbours. Unfortunately, the chances of many millennials owning the own home continue to decrease, and a large percentage of this generation will be renting for life. Many studies have also shown that most people are living pay check to pay check. If you lost your job tomorrow, how many months would you be able to live on your savings for? One of the biggest reasons to save is simply to put money away in the event of an emergency. But I get it- saving is hard when there are so many advertisements in your face all day, screaming out for you to buy certain things. Recently, I’ve been trying to tackle my own saving goals, and I’ve found it challenging as…

3 Signs It Is Time To Hire A Traffic Attorney

If you’ve received a traffic ticket, you are probably thinking about fighting it. For most drivers, this raises the question of whether to hire a traffic ticket attorney. Of course, whether this is the right choice or not depends on your situation. However, there are a few signs that it is time to hire professional help. You Don’t Understand the Laws Fighting a ticket is challenging if you don’t fully understand the laws you allegedly violated. While many traffic laws are fairly simple, others can be confusing. Additionally, even for straightforward rules such as the speed limit, chances are you are not fully aware of all the complexities. A traffic ticket attorney may be able to help you better navigate relevant laws. So, if you are feeling confused, consider getting some help. You’re Facing High Costs If the fine for your ticket is high and/or you are expecting your insurance…

Looking At Your Financial Future

When life happens, it can bring just about anything with it. Disasters will strike at the most impromptu moments and there really is not much that you can do about it. You have to take whatever it gives you and roll with it, however, you may need to get a little extra help along the way to get you back on your feet. You may not always be able to meet your every day needs living from one paycheck to the next after an emergency hits. That’s when you need to find a lending institution that will be willing to help you out and give you the boost that you need to get you by until you can get back on your feet. What you need to find is an alternative to payday loans. Know When to Get A Loan Many people often wonder what reasons there are for getting a loan.…

Steps in Renovating a Bathroom

If your bathroom needs some work, you may be ready to give it an overhaul. But you can’t just jump into a renovation- you first need a plan. Whether you’re doing it yourself or relying on bathroom contractors, here are some tips for renovating your bathroom: Step 1: Make your budget Before you begin renovating, you need to have a good idea of the steps you need to take. The first thing you need to do is determine your budget for the renovation. Consider how much you’re willing to spend, and ensure that this includes a few hundred extra, just in case you go over your expected costs. Write down this number, and be prepared to stick to it- it’s easy to go over this when you’re looking at different options. Step 2: Find inspiration If you’re the Pinterest type, now’s the time to start a board with the bathroom…

Budgeting like a pro: how to successfully keep costs down

Deciding how and when we spend our money can be difficult — especially when there’s so much out there to buy, from fancy dinners to the new and latest fashion trends. Not only that, but we all make New Year’s resolutions, and they can often be disastrous, with 80% of people failing by February and regretting it instantly — have you managed to stick to yours? One of the most common New Year’s resolutions is to cut down on spending, and although this sounds achievable, if you don’t have a fully-pledged strategy in place, the likeliness of failure spirals out of control. Our spending patterns all add up, especially with the amount of unexpected expenses that occur throughout our lives — from broken boilers to a hike in our car insurance. It all adds up. For that reason, we’ve made some assessments on how those extra savings can come in…

5 Reasons to Pay off Your Student Loan Fast

Student loans can be a true hassle – especially when you are young, freshly out of college and potentially underemployed (or completely unemployed, for that matter). And although paying off or refinancing your student loan may seem like a far-fetched dream, the truth is that many people in the same situation are thinking of doing it sooner, rather than later. Why? What are some of the best reasons to pay off your student loan fast? Read on and find out more. It’s Money Saving at Its Finest Regardless of how large or small your student loan may be, paying it off early will save you a lot of money in the long run. Just think of it: if you still have 10 years to pay on your student loan and you manage to pay it off in 3 years, you will have saved 7 years’ worth of interest rate. Now, that’s quite…

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