Finance

5 Common Challenges for Freelancers and Small Businesses Owners

As a self-employed professional or proprietor of a small business, you are no stranger to the challenges of being your own boss. From managing your finances to maintaining a work-life balance, running your own business can be both rewarding and stressful. It can be overwhelming to juggle all the responsibilities of running a successful business. One in four small businesses hesitant about their financial future, our study reveals. This article will explore five of the most common challenges entrepreneurs face and tips to overcome them. Challenge 1: Finding and retaining clients Among the most significant hurdles freelancers and small business owners face is finding and retaining clients. In today’s competitive market, countless individuals and companies are vying for the same business, making it difficult to stand out. However, there are several strategies that you can employ to help you attract and retain clients. First and foremost, it’s important to have…

5 areas where quality is important

When you’re getting into sports, it can be difficult to know where it’s important to invest more money and where it doesn’t matter so much. So to help you out, here we’ve put together a list of five areas where it’s important to make sure you’re investing in good quality sports equipment. Bats and rackets Though the casual player might do just fine with a bat or racket bought randomly at a  sports store, if you play a little more seriously or are looking to compete then it’s important to go a little higher end. Not only will a quality piece of equipment last longer but it will additionally be easier to play with – for example, for tennis players. a high quality tennis racket will be weighted correctly to allow easy playing while a lower quality one might be more unwieldy. Investing in higher quality equipment will enable you…

Revealed: The Best Investments For Your Money

Are you thinking about investing your money this year? If you’re not yet, you should be. Investing your money is one of the best ways to keep your finances safe and secure. Rather than risking losing your money due to bad interest rates, your wealth will only grow. However, for that to happen, you have no pick the right type of investment. On this post, we’re going to look at the ones that are the most beneficial to you. Let’s start by thinking about rare metals. Investing In Rare Metals Rare metals include anything such as gold, silver and even platinum. They are often seen as the only true form of currency. This is because while exchange rates alter the value of money, the value of gold and silver never changes. At least, not in broad terms. Silver prices do fluctuate but if you invest in silver, you’ll never lose…

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…

Increasing Disability Awareness In The Workplace

People with disabilities are twice as likely to be unemployed than able-bodied people, according to CNBC. Studies have found that concerns over additional costs, a lack of awareness, and accessibility issues are reasons why employers don’t take on disabled workers. However, these individuals have lots to offer the workplace and it is time to increase disability awareness among employers. A help not a hindrance 61 million Americans have a disability, according to the Centers for Disease Control & Prevention (CDC). Yet, just over 3 million of them use a wheelchair. There is a misconception among employers that all disabled people need a wheelchair and therefore extensive and costly adaptations of the workplace need to be carried out if they’re going to hire them. This statistic shows this isn’t the case. Even if a disabled employee does need adaptations there are certainly long-term business advantages to this, as highlighted below. Improved diversity 57% of employees…

Part –Time Business Ideas to Start in Your Spare Time

Part-time business is a very good idea to supplement your income and to feel secure before venturing into a full-time business. Remember, all businesses that are run from home need not necessarily be easy to handle, along with a full-time job. Through this article, we aim to help you get an idea of some businesses which can be conveniently run along with your full-time job. These can also be later developed into a full-time business. 1. Tutor Technology has done away with the necessity of a tutor needing to visit the student’s home or the student needing to visit a tutor’s home. Though some would still prefer face to face mentoring, technology now has made it possible through video conferencing to tutor using the internet. This method saves you time and money and allows for more flexibility than the methods followed traditionally. You can reach more people across different time…

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 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…

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