My lightbulb moment came eight months ago. I was sitting trying to figure out if I could afford to go on holiday with my friends, a sweet invite to celebrate an upcoming birthday. I went through my income and expenditure, expecting to be able to find the cash with ease. It didn’t happen. I panicked. Going through it all in such details was an enlightening experience. Did I also mention it was terrifying? It was the most terrifying, stressful thing I have ever done. The bottom line is simple: I spend more than I learn, and not only could I not afford to go on holiday this year, next year is out too. Since that moment, I have made a few changes. My vegetables are no longer organic, though I do plan to grow my own next season. I’ve switched to a few non-brand products, and I haven’t gone on…

• 0
• 0
  • Facebook
  • Twitter
  • Google+
• 0

Whenever your cash flow is on the low side, this can be a rather mentally trying situation. To help make some extra cash, the answer is a close as your computer with enjoyable financial opportunities. Online Gaming tournaments Today, there are so many different online casinos that offer weekly and sometimes daily tournaments. These sites often offer lucrative prizes that could help provide some additional income. With casinos also being offers up in mobile versions, seeking some extra cash through this avenue has never been easier but keep in mind that you should always read up on a review of the site you play on, for example CasinoOnline reviewed Spin Palace Casino, to make sure that you are playing on a safe site. Check out your closets Everyone has items they no longer want. Free up some valuable space in your home by cleaning these items out. Using online auction…

• 0
• 0
  • Facebook
  • Twitter
  • Google+
• 0

It’s no secret that a lot of us lead incredibly hectic lives. If we’re not at work, we’re taking care of our families, leaving little time for ourselves. There’s nothing worse than getting sick when you’ve got a hectic schedule to keep up with. Especially, if that includes taking care of little ones or elderly relatives. You can take a day off work sick, but you can’t take a day off of being a parent, or carer for an elderly family member. The truth is, if you’re sick and don’t take the time to look after yourself properly; you’ll only get worse. Despite having a busy schedule, there’s plenty of ways that you can look after yourself when you’re under the weather. To deal with illness when you’ve got a hectic schedule to keep up with, here’s what you need to do: Ask to work from home If you really…

• 0
• 0
  • Facebook
  • Twitter
  • Google+
• 0

Welcome, to the world of borrowing money. At an early age, you might have watched your parents borrow money and discovered the trouble that it brings. You may well have sworn just to avoid borrowing money completely. Instead, you will only spend what you have. Does that sound familiar? While it’s an admirable ideology, it’s just not possible in today’s society. There are key stages in life where you will always need to borrow money. Some costs are simply too great for you to handle by yourself, even if you are already earning an income. Let’s look at some of these stages and think about the best ways to deal with them as well as why you need to borrow. Higher Education You’ve just got your college acceptance letter, and you are thrilled that you’ll soon be walking down the road of higher education. It’s a great time, filled with…

• 0
• 0
  • Facebook
  • Twitter
  • Google+
• 0

The idea of starting a new business is a scary and exciting one. On the one hand, you want to take the plunge and try and make as much money as possible. And, you are pretty sure it is a viable option thanks to your idea and business plan. But, you know that there is more to a successful business than a business plan. To keep your startup afloat, you need to take the necessary precautions so that your head stays above water. Here are a few tips that will help you make the dream a reality. Lead By Example You need everyone that works at your startup to do their best work. If you don’t get that level of productivity, you are bound to fail. As the leader, you are the person that can set the example. You are the one that needs to show everyone what they need…

• 0
• 0
  • Facebook
  • Twitter
  • Google+
• 0

There are plenty of times you may come across in life where taking out a loan may be very useful to you. Many people worry about taking them out. However, there are a lot of reasons for taking out a loan which make sense. Here are just a few times when you should consider taking out a loan. Christmas Christmas, especially if you have children, can be a heavy expense. Presents and food soon add up. If you haven’t managed to save up enough to afford Christmas, rather than disappointing your family, it may be worth taking out a loan. A lump sum of money will be highly helpful at this time of year when you have a lot of expenditure. Then you can pay it back during the months that aren’t as heavy on your bank account. A New Business Many people at some point in their lives decide…

• 0
• 0
  • Facebook
  • Twitter
  • Google+
• 0

There’ll be times in life when you cash flow isn’t great. And when you bank balance is feeling tight, you might think your money won’t stretch to cover your everyday necessities. Buying groceries and paying bills might feel impossible. However, there are some ways you can get cash quickly. I know it may sound too good to be true, but you’ll be surprised at how well these methods actually work. Need more cash right now? Here’s how to get it. Legal Funding If you are off work because you injured yourself doing your job, you may be waiting for a compensation claim to be settled. These claims can be very long winded and can take a few months to be settled. But can your bank account wait that long for a top-up of cash? If not, then it could be worth looking into legal funding.This is a pre-settlement loan from…

• 0
• 0
  • Facebook
  • Twitter
  • Google+
• 0

Retiring can be a challenge for many people. When you’re used to getting up in the morning and doing something all day, adjusting to not doing that can be difficult. There are many things that you can replace your old job with though. You might also want to make your retirement a little more comfortable by earning some money. Your pension only stretches so far, so having an extra form of income to rely on can be ideal. Here are the best ideas for you how you can make money during your retirement. Consultancy For people who retire from certain industries, consultancy work can be an option to consider. When you retire, you will have built up a lifelong knowledge of your industry. And that means you can help out and offer your expertise to other people. It’s a job that allows you to dictate how you spend your time.…

• 0
• 0
  • Facebook
  • Twitter
  • Google+
• 0

Ten years ago, it was a lot more easy to land a mortgage than it is now. Banks and lenders would dish out the cash faster than a speeding bullet, and that has ramifications to this very day. And those ramifications are? It’s damn hard to land a mortgage. Because anyone could get a mortgage ten years ago, that means people who were unable to pay theirs back received one too. The result? Banks lost money, and they had the general public to blame. Now, to avoid such a catastrophe, the whole process is a lot more secure, and tricky to navigate for the borrower. You can’t just waltz into a bank and wave your hand – finding a suitable mortgage deal takes time, effort and patience. So, with this in mind, it seems prudent to explore some tips, tricks and nuggets of advice that will help you on your…

• 0
• 0
  • Facebook
  • Twitter
  • Google+
• 0

These days many people decide they want to launch startups. And, if this is something that interests you then you’ll need to plan for it. Here is a seven-step guide to launching a new startup in a successful way. 1. Have a Great Idea All businesses start with an idea, and that develops and blossoms into something more. So, if you want to launch a startup, you’re going to need to have a great idea. There are so many things you might think up that would make a good business. But, only a select few of them are truly great ideas. So, you need to come up with the best possible idea you can. This means something that’s well thought out and planned. A great idea can be the recipe for success in the future. 2. Write a Business Plan When it comes time to map out your company’s journey…

• 0
• 0
  • Facebook
  • Twitter
  • Google+
• 0