I have a great contributed post for you today on budget-friendly renovations. It’s for informational purposes only, so please consult a professional before making any decisions with money or using proper DIY tools. Got it?
Are you renovating an old house or are you keen to make a few improvements at home? We all know that restoration and redecoration costs can spiral out of control, and most of us are eager to try and save wherever possible. If you’re an ambitious amateur when it comes to jobs around the house, there are plenty of things you can do that could save you money. Here are some of the best examples.
If you’re taking on a major restoration project, there’s every chance that you’ve inherited a property or a site that is laden with items or materials you won’t want or need. Before any work starts, you’ll need to clear the site. You could pay somebody to do this, or you could hire a skip and get some friends around and do it yourself. Read more
I have a great contributed post for you today on what to do when your bank account is hacked. It’s for informational purposes only, so please consult a financial professional before making any money decisions. Got it?
The idea of finding that someone has been accessing your bank account is incredibly scary. For most people, this part of their life is something they want to keep tightly guarded, giving them protection when they need it most.
Of course, though, you can’t assume that you’re safe, especially with so many ways for people to access your funds. To help you out when you need it most, we will be exploring the process which should be taken if you ever find your finances compromised.
The moment you first notice the issue with your accounts is when you should start taking action. Criminals move quickly, and this leaves you without much time to stop them. Below, you can find the three stages which this should come in.Read more
I have a great contributed post for you today on reducing financial stress around the holidays. It’s for informational purposes only, so please consult a financial professional before making any money decisions. Got it?
Stress is a common health issue for many Americans; however, it is most prevalent around the holiday season. A 2015 survey noted that well over half of three different age groups polled feel additional stress once the holidays begin, and that the greatest source of stress comes from financial worries. Being able to afford gifts for the family, buying holiday meals, and the cost of accommodating house guests often stretches budgets beyond their limits. If you are feeling the pinch of the impending holiday, there are several ways you can reduce financial stress and enjoy all the season has to offer.
You might feel compelled to buy gifts for your extended family or their children for Christmas, especially if they are staying with you over the holiday. If you lack extra cash, you might turn to your credit cards to buy these gifts. However, doing so may create the added stress of paying the balance when it comes due.Read more
Hey, I got a contributed post here that I think you’ll enjoy on the health benefits of sleep. But, hey, it’s for informational purposes only. So, double check with a medical / health professional on any of the below since I’m not one. Got it? Enjoy!
Everyone looks and feels awful when they haven’t had a good night’s sleep, but the importance of sleep goes far beyond dark circles and baggy eyes. In fact, sleep is so important for your health that those who get less than five hours of sleep tend to have a shorter lifespan than those who sleep for more hours a night.
Sleep also helps to reduce stress, improve your memory, your performance, and your overall quality of life. Unfortunately, lots of people struggle to get to sleep at night, and since you’re here reading this, it’s likely that you’re one of them. Here are some things that you can try to get a good night’s rest.Read more
I have a great contributed post for you today on how to maintain a healthy bank balance. It’s for informational purposes only, so please consult a financial professional before making any money decisions. Got it?
Sometimes checking that your bank balance remains healthy is the last priority on everyone’s list of things to do. Often this is because tackling financial issues can seem overwhelming, there is so much information on the Internet that it becomes very confusing and sometimes it’s difficult to decide what to do first.
Fear is another factor that stops people from actioning plans, this may be due to the fact that you don’t want to know how much debt you’re actually in or maybe you are afraid of swapping banks and finance products, as you have been with the same one for years.
The following tips may help you get on track.Read more
I have a great contributed post for you today on how to save for the holidays. It’s for informational purposes only, so please consult a financial professional before making any money decisions. Got it?
There are so many special occasions, events and dates every year. Nobody wants frugality to get in the way of enjoying them. This is why it can be really helpful to have a savings pots for them.
There is no right or wrong amount to put away, but it’s certainly worth starting sooner rather than later. Having a fund you can dip into to bring something special to each celebration can be very handy.
Here are 5 reasons and, of course, 5 ways that you can create a fund big enough for a big occasion.Read more
I have a great contributed post for you today on finances for different people in a relationship. It’s for informational purposes only, so please consult a financial professional before making any money decisions. Got it?
The lady of the relationship is a saver. Let’s call her X.
X is always in charge of her finances. She knows what her checking account balance is at all times. When she makes a big purchase, she doesn’t do it with cash– she buys it on credit, collects reward points, and then immediately pays it off with cash. There’s not a financial tip she doesn’t know; not an opportunity she hasn’t explored. When it comes to finances, X has got it all figured out.
X is in a relationship with Y. They’re happy; they get on great, they make each other laugh– but they have radically different ideas about how money should be managed. Y is a spender. He practices the philosophy of “you can’t take it with you!”; money is to be spent, to be enjoyed. He has a little credit card debt, but he’ll still make big purchases from time to time. When it comes to finances, Y tends to struggle.
X and Y have a great relationship — except for the money management.
The above is an example of a relationship dynamic that many people experience. One person is The Saver; the financial whizz who manages their finances with a rigorous accuracy. The other is The Spender; money is to be enjoyed and savings are a waste of time.
Can a couple like this ever survive?
If you’re in a similar relationship, never fear: the answer is yes, but you’re going to have to work through a few issues first.Read more
I have a great contributed post for you today on restoring a country cottage. It’s for informational purposes only, so please consult a financial, real estate, and/or legal professional before making any major decisions. Got it?
To some people, buying a finished home really isn’t what they want to do. Because it never really feels like their own. Instead, they’d much rather buy a bit of a fixer-upper and take the time to put their own spin on things.
And although they can take a long time, can be expensive, and tend to come with a lot of stress, renovations are always worth it. Because taking an old property and giving it a new lease of life is something really exciting to see. While many different houses can be incredible when they’ve been jazzed up, there’s nothing quite like seeing a country cottage come to life.
If it is a country cottage that you’ve always wanted to restore, then you may want to take a different approach than if it were something in the suburbs or in a bit city. Because the results will often be quite unique. You’re going to want to ensure that you create something that really comes alive, but also that has its own kind of country personality about it.
So, if you have recently bought yourself a fixer-upper in the countryside, or you’re thinking of purchasing one, here’s how you could look to go about restoring it.Read more
I have a great contributed post for today on personal finance tips for the self-employed among you. It’s for informational purposes only, so please consult a financial professional before making any money decisions. Got it?
For many people, the idea that they could work from home, be their own boss, and make all their decisions is a dream they would love to come true. However, while there are many perks from being self-employed, there are some other issues that people who don’t work this way fail to see.
Take money, and all the associated issues, for instance. A self-employed person’s financial layout is much different from a person who works for a company. Below, we take a look at some useful tips to ensure you’re not left behind.Read more
I have a great contributed post for you today on alternative investment strategies. It’s for informational purposes only, so please consult a financial professional before making any money decisions. Got it?
Investing is a marathon, not a sprint. Like many things in life, you need to be patient in waiting on beneficial returns before throwing it all away and considering the whole endeavor an unfortunate loss. There are many ways to get into investment, no matter what your expertise with markets and economic forecasts may be. With these investment opportunities, it doesn’t matter what end of the pay grade you might occupy, investing is possible for every, so long as they are sensible and know what they are doing.
By choosing a type of investment that suits your budget, or your ambitions, your efforts have the potential for you to enjoy returns either great or small. These investments can prove to be anything from treating yourself, or putting money back into the same system, hoping for even more success. Here are some examples of alternative investments, for all sorts of would-be Warren Buffets. Read more