3 Areas Of Family Life You Can Save Money On

Families today are often living more frugally than they would like. Bills are creeping up and wages are stagnating, so savvy families are making a point of trying to save as much money as possible in different areas of their lives. Truthfully, there are plenty of places money can be saved. You can save money in pretty much every way in your household, from how much you spend on insurance to the amount of money that you spend on appliances and household goods.

The question that you have to ask yourself in times of frugality is where you want to save the most. Are you looking to save for an emergency fund? Are you looking to scrape together the cash for a deposit on a house? Whatever your reasons for making savings, you need to look at your budget and see where you can slash costs the easiest. Once you’ve done that, you can make savings that you simply didn’t expect to make. So, which are the three biggest areas of family life that you can save some cash?


Image Source

Groceries. Food shopping is going up in cost every day. With farmers needing more cash to pay suppliers, products are becoming more expensive and so supermarkets have to charge more. To slash your shopping budget, look at switching brands and buying less than you currently do to stop overeating. Buy only what you need, and you can do this by creating a weekly menu and sticking to it. You can also cut out junk food, which can add to your grocery costs and isn’t a necessity.

Driving. It’s all well and good for anyone to suggest that you give up your car and use public transport, but buses and trains can be very expensive to take – especially if you would need them to commute to work twice a day. Walking is great for your health, but it’s not always practical when you have to go long distances. You could also look into the benefits of Dodge Ram extended warranty while you look at your insurance costs. Slashing the costs of your insurance can help you save money on your overall car expenses, so it should be a priority for you.

Utilities. Running a family home, with lights, internet, appliances and extra televisions in the house, can be expensive. Speaking to your utility providers and trying to haggle discounts is the best route to go down, as you can make decent savings with each of your bills. A family home

is a big expense, so look at reducing the number of baths taken and swap to showers and look at putting a timer on the televisions in the home so that no one is sat up all night watching television.

Saving money is the aim of the game and you can utilise many strategies to implement good savings practices in your family. Swapping your yearly vacation for a cheaper camping trip is another option, but if you make enough savings elsewhere you can afford to go on your break!

Share this:
Share this page via Email Share this page via Stumble Upon Share this page via Digg this Share this page via Facebook Share this page via Twitter

Last Minute Lessons: When Your Savings Simply Aren’t Enough

You wake up on a Sunday morning and the car won’t start – problem with the transmission in your car. Your mechanic says it will cost a minimum of $700 to have the problem fixed. It is early in the month; no salary in sight, and no savings to turn to! It’s definitely an emergency. You must get to work the following day with this very car. What do you do?

Such tight spots occur all the time, and they simply never announce when they are going to happen. While such emergencies can instantly turn your day from good to awful, there is always a way out. You just need to know where to look.

Online loans: your quick way out of emergency

With the rise of online loans such as Northcash installment loans, it is much easier now to raise the money you need to get you out of an emergency. Most online lenders are keen to make the loan application and acquisition process easy and stress-free. Oftentimes, they’ll require you to fill up only a few details on a loan application form to access the funds you need. This is usually a short and secure form that you can complete in a matter of seconds – and you’ll be on your way to getting the desired pre-approval for your loan application.

Normally, the lender reaches out to you to confirm that all the details you have provided are correct. After the confirmation, you can expect to receive your money the next business day. Everything is done online, meaning that you can apply for your loan anyplace, even on the road.

Being able to have money deposited in your bank account within as little as 24 hours can be a lifesaver. Interestingly, you’ll only need as little as five minutes to complete the entire application process.

Convenient loan application process

When it comes to online loans, there is no booking an appointment with a loan officer for you to initiate the process. Neither do you need to call the lender several times to be able to access the cash. You can send your loan application from the convenience of your home, car or office. You can apply for the loan using your phone or PC, without any restriction. Additionally, unlike traditional loans that involve several back and forth meetings with a loan officer, online loans typically get pre-approved after a single instance of application.

It is because of this level of convenience that many people find online loans a great alternative when it comes to addressing an emergency situation. Notice however that these types of loans should be taken out only for emergencies and not as a regular source of financing.

Caveat: in case of high-interest loans, make sure you can pay back the loan on time so that the debt does not affect your credit profile. Not everyone pays back their loans on time, but evidence shows that a good many people are able to repay their online loans without issues.


There are lots of situations that require instant money to address, and since you won’t always know when the next emergency situation will strike, it helps to have a place from where you can raise the money at an instance.

Share this:
Share this page via Email Share this page via Stumble Upon Share this page via Digg this Share this page via Facebook Share this page via Twitter

Last Minute Expenses: Three Ways to Cover the Unexpected Events in Life

At some point in time, everyone faces unexpected expenses. When that happens, there are several options available to cover those expenses.

Pawn Shops

Often depicted as seedy and unethical, pawn shops are actually the opposite. They are subject to numerous state and federal laws and closely monitored.  Further, the National Pawnbrokers Association maintains a strict Code of Ethics its members must follow.  Created about 3,000 years ago in China, working with a pawn shop is quite simple. A customer brings an item or items, and the pawnbroker offers a loan on that item with a certain term of repayment. The terms depend on the amount of the loan and other variables. The pawnbroker keeps the item as collateral to secure repayment. The customer can repay the loan and reclaim the property, or not repay and let the shop keep it. There is no penalty. Sometimes a pawnshop will buy property, but the strong preference is to make the short-term loan.  Often the terms of the loan can be renegotiated for a longer term for an additional fee.

Personal Sales

For those who don’t own—or don’t want to part with—the type of items that would interest a pawn shop, there is also the personal sale alternative.  There are consignment shops you can use to sell clothing, furniture, and antiques on a commission basis. If the goods don’t sell or don’t meet the seller’s required minimum, they are returned to the owner. The tag sale is also a good alternative.  It is offered in many different forms; garage sale, rummage sale, flea market… but the object is always the same: sell items you no longer need or want in order to earn money.  Local communities often have restrictions that apply to how the sale items can be displayed, for how long, etc., so be certain to understand any and all regulations.  Websites like Realsimple.com   offer tips to have the best chance of success.  One final piece of advice, if you think some items might be worth more than a couple of dollars, have them appraised first.

Short-term Loans

Another alternative is the short-term loan. Short-term loans differ from mortgages and traditional long-term loans in several ways. First, there is no collateral. The borrower does not have to put up any type of collateral to qualify for the loan. Second, most short-term loans have less stringent credit requirements, although in turn that does significantly increase the amount of interest rate charged. Third, there is a very quick turn-around, often in as little as 48 hours.  This type of loan should be used for emergencies only.  All short-term loan providers are subject to many federal and local regulations. As with any industry, it is important to investigate different lenders to see how they work and the benefits they offer.  An important consideration is whether or not they offer flexibility in case there is a problem like repaying the loan in the original time frame. Learn more at www.MoneyBoat.co.UK

Share this:
Share this page via Email Share this page via Stumble Upon Share this page via Digg this Share this page via Facebook Share this page via Twitter

Is It Worth the Cost: 3 Things to Consider When Determining if an Extended Warranty is Right for You

An extended warranty can be a very worthwhile investment for those who are purchasing a vehicle. A factory warranty can ensure that mechanical issues that come up will be repaired without any additional costs to the vehicle owner. You never know what can happen when you buy a vehicle. Mechanical issues can come up even if you purchase a relatively new vehicle. That’s why having a warranty is always important.


An extended warranty offers even more coverage and security than a standard warranty. Extended warranties offer extra protection. You should definitely explore the cost benefit analysis of a Audi extended warranty when you’re purchasing an Audi to determine if the extended warranty is right for you. You should also consider the following three things when making your warranty decision:



The age of the vehicle


Older vehicles are more likely to experience mechanical problems than newer vehicles. As such, you might want to consider extended warranty coverage that is available to you in particular if you are purchasing an older Audi.


While older vehicles are more likely to experience breakdowns than newer vehicles, it’s always possible for a newer vehicle to experience unexpected issues with key components like the engine or transmission that require costly repairs without warranty coverage.


When you’re purchasing an Audi with a factory warranty, it’s good to evaluate the age of your vehicle in deciding whether or not you want to take advantage of any extended warranty option that is offered to you.



The mileage on the vehicle

The more miles there are on a vehicle you purchase, the more wear and tear you can expect on the vehicle you purchase. An extended warranty is important on a vehicle with high mileage.


If you’re purchasing a high mileage vehicle and an extended warranty is offered, it’s probably in your best interest to purchase it. High mileage vehicles tend to be especially risky for the buyer, but buyers can protect themselves with warranty coverage where possible.



What mechanical components the warranty covers


Any time you’re considering any type of warranty coverage, you want to consider what exactly the warranty is covering. The mechanical components you want to focus on are drive train components like the engine and the transmission. Additionally, you might want to look into exhaust system coverage if you live in an area where you need to have your vehicle pass an emissions inspection each year.


It’s important to analyse all of these factors to figure out if an extended warranty is a good idea for you if you buy an Audi. Investing in an extended warranty is probably a good idea for you if you want the greatest possible security in owning your vehicle.


You need to know that you will have a vehicle that is mechanically sound. If you have to pay for mechanical repairs, the costs could be very high without warranty coverage. Learn more about warranty coverage options to find the most value and quality in the repairs you can take advantage of should the need come up.

Share this:
Share this page via Email Share this page via Stumble Upon Share this page via Digg this Share this page via Facebook Share this page via Twitter

Lessons about Money for Kids

Did you know that only 24% of millennials have basic financial literacy?  Well, that’s what the latest survey from the National Endowment for Financial Education reported.  Something must be going really wrong if 76% of people born in the 80s and 90s don’t have a clue when it comes to money matters, and, although it is not the be all and end all of life, money does indeed matter.

Unfortunately, they don’t teach ‘money’ in our schools, so parents must educate their children about these issues.  The good news is that you don’t need a university degree in accounting to do this.  Rather, you can start training your kids to be responsible with money as soon as they can count by teaching some fundamental habits and lessons that, although simple, will definitely benefit them throughout their lives.



Where money comes from


For many kids, it does seem like money grows on trees.  After all, ATM machines look like endless fountains of dollar bills to the eyes of a child.  It’s important, then, that they understand that mom and dad’s credit cards are not magical sources of never-ending funds, but there is a process of earning, saving and spending.

Rather than have your children help you do your tax returns, learning about this can be fun with role-play games, especially for toddlers.  For example, your little one can set up a pretend restaurant. Help them make and menu and decide on the prices.  You can then order something, and pay them in monopoly money or raisins, and then they can decide what to do with the cash they’ve earned.



Working within a budget and saving 


Saving and working within budgets are crucial financial skills that even toddlers can start learning.  It is important that you guard your kids against the dangers of impulse buying and instant gratification, as these can transfer into huge credit card debts when they grow up. We recommend, therefore, that they get a small amount of pocket money regularly and be encouraged to save.  If they want that $100 Lego set, they’ve got to pay for it themselves and thus save up for it.

Start with a classic ‘piggy bank’ for their coins, and then get them a real bank account as soon as they’re old enough.  No loans or advances though; they shouldn’t get accustomed to spending what they don’t have.

It is also a good idea for kids to practice dividing their money to different purposes.  For example, they can have one pile for saving, one for daily spending and one for charity. This way, they can practice allocating reasonable amounts to each need.



Learning to earn


Give your kids a kick-start into learning to earn through the sweat and effort by paying them small amounts for household chores like vacuuming, cleaning the yard, or washing the car.  Also, next time you have a yard sale, get your kids involved and give them some responsibility, if appropriate.

Approaches like this are not only great for helping your child learn to contribute to the household, but they will have to get to grips with the lifelong fact that no one earns anything without putting some effort in.



Teaching generosity 


We want our kids know the value of saving, but we don’t want them to be selfish hoarders like Scrooge McDuck and his tower full of coins.  Children should learn of the joy that comes with generosity.  Encourage them to use some of the money they are saving to buy presents for others and donate to charity.

You can really lead by example here; for example, next time you have a birthday present to buy, why not involve your child?  Let them help you set a budget, pick the present and wrap it.  Furthermore, next time you want to make a donation to a worthy cause, why not let your kids decide who?



Give them freedom to make mistakes



While your children are young, we recommend giving them the freedom to spend their money as they like and the space to make mistakes, thus learning that their actions have consequences, sometimes negative.  If they’ve made a bad purchase, talk it through and help them understand why it wasn’t a good idea, discussing how they can avoid similar mistakes in the future.

While its always sad to see them disappointed, these mistakes will help them make wiser financial decisions in the future.  Plus, it’s better to learn such lessons by wasting a few dollars when young rather than hundreds or thousands of dollars when they are older.



Learning to be financially responsible is a lifelong process which evolves and varies with growth and changing circumstances.  By giving your kids a firm foundation in learning to save, budget and learn from their mistakes, you’ll be setting them down the right path to become financially responsible and reliable adults.




 Matt Morrisey, Contributor


Matt Morrisey is a former teacher who has travelled all over the world teaching children English, from China to the UK Matt is well known. Matt’s parents are teachers and his only brother works for a children’s charity in UK.

Matt currently writes for buzzparent.com and loves to write about parenting topics ranging from kids’ toys, activities for kids, parenting hacks and lifestyle. He loves remote-control drones and can’t wait until he opens his window to allow a drone to enter with an Amazon package. Not long now.

His work has been read by readers all over the world and features on blogs and websites all over the world. Matt recently decided to go back to university to do his PhD where he looks to continue his career.


Share this:
Share this page via Email Share this page via Stumble Upon Share this page via Digg this Share this page via Facebook Share this page via Twitter

Big Spender: A Guide To The World Of Online Shopping

The internet has had a huge impact on the way that people shop ever since it was first introduced to the public. In the modern age, more spending is done through computers and mobile phones than anywhere else, with these options being much easier than traveling to a store or sending a form in the mail. The introduction of a new system like this can have a knock on effect, altering the way the people live their lives. Of course, though, with this change, you also get a whole new set of rules. Following these will be fundamental to your success online, and this post will be exploring some of the key areas to give you a good start in the pursuit of a good deal.


(Image Source)

The Types Of Store

With ecommerce becoming popular, marketing experts haven’t wasted time in creating a wide array of different sales methods which are use across the web. The way that you buy a product will impact the way that you feel about a purchase, giving businesses the power to use psychology when learning about their customers. Below, you can find some examples of the most common types of store found across the web.

Regular Retail: Despite a lot of large companies using alternatives to the traditional shop experience, you will still find loads of retail websites which aren’t dissimilar to pre-internet stores. This is the most basic form of online sales, and it is easy to understand the kind of deal you’re

getting. Of course, though, some sites like this will offer finance on products, making it hard to avoid spending money you don’t have.

Marketplace: Some businesses have found ways to make their lives much cheaper than regular retail sites. Amazon, as the largest example, isn’t a collection of one store’s products. Instead, loads of sellers come together, all working on moving their own goods, creating a marketplace which is filled with good prices. This is one of the most popular shopping experiences out there, as you will get a very good selection of the items you’re looking for.

Auction Site: Alongside marketplaces, a breed very similar websites are also lurking around the web. eBay, while it shares similar qualities to sites like Amazon, is an auction site designed to help users sell their old goods. A lot of great deals can be found on this platform, though it can also be a challenge to make sure that you’re not overspending or tricking yourself into thinking an option is better than it actually is.

Penny Auction Site: This next version of ecommerce is one of the oddest of the bunch. Instead of buying products right away, users make paid bids on them, slowly increasing the price. Like a normal auction, sites like DealDash will always sell to the bidder at the end of the lot, but the price will be a lot lower. It’s possible to get great deals on this sort of platform. Of course, though, you’re more likely to spend a lot on bids without winning much at all, and you have to be careful.

Subscriptions: With a lot of people living incredibly busy lives, subscription products can often be a great way to satisfy your shopping needs without having to spend any time looking around. By choosing an option which matches your interests, you will be able to start a monthly order which will bring products to your door. Websites like Loot Crate have been doing this for a very long time.

The Way They Advertise

When you’re thinking about online spending, you can’t stop with the way that companies are selling things, and need to look deeper to get a better understanding of the cogs in motion. Marketing is a complex area, and it has been changing loads over the last few years. Below, you can find some of the most popular ways businesses like to advertise to their customers. Most people don’t realise quite how different this field is compared to the past.

If you’ve browsed the web before, then you’ve probably seen adverts which seem to be following you around. By displaying things which users have previously searched for, companies hope to be able to target things you are considering buying, making their attempts to sway you more likely to succeed. They are able to do this thanks to little pieces of data called cookies. This data is stored at your end, and you are able to delete it or turn it off if you want to, though this could impact things like logins on certain sites.

Over time, direct approaches to marketing have diversified a lot, and much of this work is now

done away from advert spots and placements. Instead, using social media, companies are able to spread the word about their work for a fraction of their old costs. In a lot of cases, this will be done through regular users with a large following. This is a large part of influencer marketing, which has been taking the world of online retail by storm over the last few years.

Researching Your Purchases

Having an idea of the methods businesses will be using to persuade you to spend money with them will be a big help when you’re trying to avoid needless spending. With the ability to identify a sales technique, you will always be able to tell whether or not you’re acting on your own desires, or simply doing something because you’ve been told to. Once you have this in place, though, you still won’t be able to avoid every purchase. For those which have to be made, the right kind of research has to be done.

This will begin with figuring out exactly which options you have, and how much each of them will cost you. When you find something you want to buy, websites like Amazon will be the first place you should go, as these will often offer the most options in one place. Along with this, there are loads of review sites out there which will curate their posts to make them nice and easy to find. With each product which is within your price range in mind, you will be able to start comparing them.

To do this, a lot of people will find it most useful to create a table, filled with all of the features the different options have. Using this as your guide, it shouldn’t be too hard to figure out which has the best balance between costs and benefits. It’s not often best to go for the very cheapest option, as this cost force you to spend more money down the line, and might not give you want you want. Along with this work, it will be a good idea to read some reviews at this stage of the purchasing journey.

Finally, with a couple of key options outlined, you will be ready to begin the process of choosing the best one for you. At this stage, there will be several features at play which all impact your purchase. The largest of these will be the price of an item. There are loads of different websites out there which are designed to help users to find the best prices for the products there are looking for, and this will be a great way to ensure that you have everything you need for a confident start in the world of online shopping.


(Image Credit)

Buck The Spend Trend

Over the last few years, marketing has quickly moved from being something which companies use to get people to buy things which they need, and into a field devoted to giving people what they want. In a lot of cases, the things being played upon don’t even impact the end user on a level which is obvious to them. Psychology, mind games, and all sorts of other tricks are employed to may an item more appealing. This makes it very hard for customers to know when they are actually choosing to buy something.

Of course, though, the issues with online shopping don’t stop there. With influencers being used all the time, and methods which have adverts beamed directly to you becoming a thing of the past, it’s easy to see that the future has arrived quickly for this field. Most customers simply aren’t ready to have so much choice thrown their way, and will make poor spending decisions as a result of this freedom. Along with this, as it becomes more popular to spend money, people’s natural need to be fashionable are becoming more important than acting logically.

Hopefully, with all of this in mind, it will start to get a lot easier to handle the online shopping you have in your life. A lot of people find it hard to keep their spending to a minimum in this sort of environment. Of course, while you might not understand it all, you still have full control of your money, and this gives you the last say in any purchase situation.

Share this:
Share this page via Email Share this page via Stumble Upon Share this page via Digg this Share this page via Facebook Share this page via Twitter

Moving Into a Retirement Village: Tips on How to Get Started

You know, some people shy away from the topic of retirement. Most think that retirement consists only of staying at home, watching overly dramatic daytime television shows, and eating lots of prunes. But to tell you the truth, retirement can be an opportunity for some of us to enjoy doing activities we were not able to do because of work and family. So putting off retirement plans is not going to make it any less real, so you should prepare for it.


There are a lot of options out there for retirement living, but the best option would be choosing a retirement village.


Benefits of living in a retirement village

One of the best features of retirement villages are its exceptional facilities and amenities. For instance the Lendlease retirement villages across NSW offer game rooms, function rooms, cafes, social activities and clubs, fitness centres, and even hair salons.


Being in a retirement village also gives you access to 24/7 help, from maintenance issues like clogged piping to more urgent ones like medication delivery. A retirement village is designed to make sure that living in the retirement flat will be even more convenient as your years advance further. It has wide hallways and lifts to make it easy for you to come home to your flat, as well as well-maintained outdoor areas for a leisurely walk every day.


How to get started on moving into a retirement village

Even if you are not yet in your retiring age, it is best to make the necessary preparations while you still can do it on your own. Here are some tips on choosing and moving into a retirement village.


Make a list of what you want and need

This time, you do not just have to think about what you might need in your advance years, but also what accommodation you might want to indulge in. Create a list of these wants and needs and consult it from time to time. You will be shopping around for the best retirement village, so you might as well look for a place where everything they have on offer can cater to your every whim.


Make sure to also add what you might require when you become even older. This means you need to think ahead and consider how the village that you will choose can satisfy your needs once you require additional assistance from them.


Do research

Look up retirement villages in your area. Apart from reading up on their facilities and services, make sure that you get a tour of the place and its surrounding areas so you can inspect for yourself. Check whether they all that you want and need to maintain a comfortable and active lifestyle. You can even ask about social events that is usually held in the village and see if it appeals to you.


Stay long enough to observe daily life in the village and get a feel of the general mood of the place. If you can, do not just talk to management; interview some of the residents as well.


Don’t put it off for too long

Once you have reached the retirement age, it wouldn’t make sense to put off getting a property in a retirement village anymore. You have done your research and already have a short list of where you might want to stay. Just pick one that appeals to you and your spouse more, and then start securing your slot. Note that certain home styles and configurations have waiting lists, so there’s no space for hesitation.




Share this:
Share this page via Email Share this page via Stumble Upon Share this page via Digg this Share this page via Facebook Share this page via Twitter

Everyday Money Advice for the Frugal Family

Being frugal does not mean that you have to sacrifice the things that you enjoy, it simply means getting creative and looking out for money saving offers and deals. Here are some great ways for families to save money while still spending quality time together and enjoying the things they love.

Save Money on Days Out with the Kids
Family days out do not need to be extravagant in order to be fun and memorable. Young children in particular tend to love spending time in nature and taking the kids for a walk in the countryside can be a great way to show them something different and encourage them to use their imagination. A number of museums, art galleries and other attractions offer free admission on certain days of the week as well as discounts on family tickets and it is a good idea to take the time to find special deals.

Date Nights for Less
As any couple knows, date nights form an important part of a relationship as they provide the chance to reconnect and enjoy a little alone time. Families who are trying to save money do not have to worry about skipping date nights if they get creative. Instead of spending money on a fancy restaurant, send the kids out on a play date so that you can spend the evening savouring a delicious home cooked meal and you can enjoy a bottle of your favourite wine for less with a Laithwaites discount voucher.

Second Hand Doesn’t Mean Second Best
Children’s clothes and shoes can be very expensive and if the little ones are growing quickly it may well be the case that they grow out of their clothes and shoes long before they have worn out. Local charity shops and jumble sales are great places to find second hand clothes, shoes and other items that the kids are sure to love and because the money usually goes to a good cause this is also a great way to give back to the community at the same time as saving money.

Plan Holidays in Advance
A family holiday doesn’t have to break the bank if you plan well in advance. Many airlines offer special low rate flights to various destinations at different times of the year, and families that are able to be a little bit flexible on their holiday times will be able to save a significant amount of money on the cost of flights, accommodation and even meals it they search for these hot offers book during the specified times.

Shop Around for Great Deals
Many supermarkets and other shops offer special deals and discounts on certain product ranges. These deals are usually available for a limited period of time in order to introduce these products. Buy one get one free offers are a great way to save money if you have the space to store extra products that have a long shelf life, while it is also worth checking local newspapers for money saving coupons.

Share this:
Share this page via Email Share this page via Stumble Upon Share this page via Digg this Share this page via Facebook Share this page via Twitter

Can You Get Out Of Debt When You Still Need To Spend?

When it comes to family life worries, being in debt is always going to be one of the worst. Apart
from a family member being sick, that is. You’ll often find that suffering from money woes is
tough. But it doesn’t have to be something that you get used to, or something that completely
spirals out of control. Instead, you just need to take control. So you may have made some
poor financial decisions in the past, but you can correct those moving forwards. The best part
of all is that this doesn’t have to feel like hard work, it’s something that you can realistically

A lot of the time, people feel like they can’t reduce down their debt because life goes on and
they have bills to pay. But that’s not necessarily true. At the same time, you don’t have to cut
down on all of your luxuries and go cold turkey to do it either. Instead, you just need to be smart
and find a healthy balance that fits with your family life. To do this, you need to work on four
different areas. So, to help you get started and find your own rhythm with balancing your debts
and living your life, here’s what you need to do.

Getting To Know Your Debts

It’s never going to be easy to get out of debt when you don’t really know what debt you’re in. So
the first port of calling to making this happen, is getting to know your debt.

Write It All Down

This may sound like a long and complex way to get started, but it really is the best way to help
you figure out what to do. By getting all of the information you need together, and writing
down everything you owe, you’ll be able to get to know your debts better. You may not
want to see how deep the debt goes, but if you’re going to make a change, this is the best
way to do it.

Speak To Your Providers

From here, you’re going to want to take the first steps towards changing your situation.
And that’s trying to minimize the damage if you can. So speak to your credit card or loan
issuers. They will want to help you. Sometimes they can freeze interest and chargers
for you, or at least offer you a much better rate, just to help you out. You may even want
to consolidate what you have so it’s all in one play under one set rate.

Work Out Your Payments

Finally, you’re going to want to make sure you work out what you can start paying off.
Even if you’ve paid off bits here and there up until now, it’s time to come up with
a debt repayment plan. You need to work out how you’re going to pay it all off, with
set payments, and in what order you’re going to do it.

Bringing Down Your Expenses

You won’t always be able to throw every penny you have into paying off your debts.
Because in life, we all still have bills. So let’s take a look at what you can do to manage them better.

Cut & Control

The first step in this section is to go through everything that you pay out. And a lot of the time
, you’ll actually be surprised by what you’re paying out. When you’ve worked out what you have,
you can start to cut. And you’ll always be able to cut your monthly expenses in some way or
another. The best way is to remove everything that you don’t need so that you can get better
control of what goes out.

Shop Around

From here, you’re really going to want to make sure that you shop around for your bills – and
yes, this is definitely something you can do. You should look for better deals on your monthly
contracts and utilities, and be sure to compare prices for everything you buy, even groceries.

Buy On A Budget

Of course, as we’ve already established, you are still going to need to spend your money.
Going cold turkey won’t work for everyone, and it’s not always possible either. But you still want
to make sure, by using sites such as https://www.facebook.com/DealDash/, that you’re getting
the best price for what you need. Anything that you can get as a deal or with a coupon, is going
to be great for you here.

Sticking To A System

When you have a system in place to help you pay everything off, you’ll have a much better
chance of staying on track. So let’s take a look at exactly what this should involve.

Have Set Payment Dates

Your need to take this entire process seriously, and getting into a routine with it is the simplest
way to do that – and make sure that you stick to it. So this will mean that you should have set
payment dates or days that you pay money off. Whether it’s the first of the month, the last day
of the month, or every Friday, you should pay off your set amounts on these set days to stay
on track.

Only Buy What You’ve Budgeted For

On the flipside, when it comes to spending, you really need to make sure that you only
make planned purchases. To do this, you need to create a budget like
By planning in your purchases, you’ll be making the most of your money, and ensure that
you don’t get into further debt.

Anything Else Is A Bonus

Then, you need to see any money that you have left over from your budget (in which your
debt payments should be included), you can then choose to use that to pay off more if you
like. Because if you can pay off your debts early, it will make you feel better.

Being Realistic

By this, we mean with just about everything. From how long this is going to take you to
how you live your life, here’s how to make sure you’re realistic.

With How Long It Will Take

When you realize just how much debt you have, or you’re just eager to get it paid off as soon
as you can, you could start to get unrealistic about what you’re dealing with. But it’s important
that you understand how long it will take you to pay everything off. Whether it’s months or
years, you need to work this out in your payment plan and know that it’s very real. From
there, you’ll then be able to leave it in the back of your mind and just work towards making it

With How Much You Spend

If you got into debt in the first place because of reckless spending, then you’re really going to
want to get realistic with your spending. You need to set those budgets and stick to them to
the tee. Tracking your spending and saving it all in a spreadsheet may help you here.

With Your Lifestyle Choices

Finally, you then need to do the same with the lifestyle choices that you make. Living within
your means is very important when it comes to both getting out of debt and then staying out of
debt too. If you need to change your lifestyle to make this happen, then this is a very real
decision that you will need to make. Because you can still spend money when you’re trying
to get out of debt, but you still have to be careful.
Share this:
Share this page via Email Share this page via Stumble Upon Share this page via Digg this Share this page via Facebook Share this page via Twitter

Home Warranties: What Is Covered and Why You May Want to Consider It

Do you have enough money on hand today to replace your water heater? What about your air conditioning? If you’re like most of the population, you don’t. When these features begin to disintegrate or malfunction over time, we try to stay ahead of it by contracting smaller repairs, scrambling to save money just in case, or borrowing the money when it just stops working. Home warranties, however, make it a lot easier.


A Home Warranty Is Not an Insurance Policy


Homeowners are often required to get insurance for their houses. Insurance policies are intended to cover disasters and emergencies, like fires and damage from weather events. Home warranties are not required, but cover your systems and appliances, which aren’t designed to last a lifetime.


In short, you absolutely still need your insurance policy. Home warranties are there for times in which your insurance policy may not help.


How a home warranty works is pretty simple. Once you do some research, namely by checking out House Method home warranty reviews, you’ll choose the company that seems right for you. You pay a few to several hundred dollars annually for your warranty, all at once or in installments.


Most companies will offer different plans with which you can customize your coverage. A basic plan can cover everything from your plumbing to your doorbell. When and if these things need fixing thanks to normal use – not because you’ve broken them – you call your warranty provider, and they send a contractor. You don’t have to worry about finding the right person to do it.


Once it’s fixed, you may be on the hook for a service charge or a sum up to the deductible.


Who Needs a Home Warranty?


If your home is brand new, you probably don’t need a warranty, as normal wear and tear on systems and appliances hasn’t occurred at all yet. Those new appliances will also probably be under factory warranty. But if you buy an older home with aging appliances, a warranty may be just the solution you need.


In fact, many go for the warranty when they close on a pre-owned home, just so they won’t have to worry about things like the oven or washing machine breaking down on them at the same time they’re dealing with moving expenses. A warranty can also make your listing more attractive to buyers if you want to sell your home.


In addition, it’s good to consider a warranty if you care for and properly maintain your aging appliances. We all know that routine maintenance doesn’t mean it will work forever, and warranties usually only cover appliances and systems that broke down despite your decent treatment of them. This is especially important if your appliances are very expensive, and repairs and replacements are therefore costlier.


If you’re looking to a buy a pre-owned home, you should ask the seller if a warranty is included. If you’re already an owner who is experiencing anxiety over the potential loss or breakdown of essential appliances that are getting older, a warranty might also be in order. Just be sure to read that fine print and verify you have the kind of coverage you can use.

Share this:
Share this page via Email Share this page via Stumble Upon Share this page via Digg this Share this page via Facebook Share this page via Twitter

The Easiest Ways to Increase Your Income

Are you struggling for money? Do you live paycheck to paycheck, clearing your account at the end of
every week, with nothing set aside for luxuries or emergencies? Do you find that you can never afford
to do anything special or that you have to make cutbacks to pay for even the smallest treats? If so,
you aren’t alone. 8 out of 10 of us are in debt, with many of these people struggling to meet even
the minimum repayments.

While we’d all love to have savings, for many of us, low income, expensive childcare and huge
household bills make it impossible to set even a small amount to one side, even with
careful money management. The best way to save, whether for a rainy day or something specific,
is to increase your income. Here’s a look at some of the easiest ways to do just that.

Spend Less on Debt

If you are in debt, it can quickly start to spiral. Suddenly, you go from a small credit card debt to using another
to pay the first off. Then to covering everyday expenses with credit. Soon, you have multiple debts that you can’t
see how you’ll ever be able to pay off. A huge percentage of your income can go on the repayments.

While cutting down your debt repayment won’t directly increase your income, it will mean that you spend less
of it on effectively nothing. The best way to pay less on debt is to pay it off quickly or using debt consolidation
to ensure you are only paying one repayment and one lot of interest. Take a look at your budget and work out
how much you can afford to pay back, then set up a standing order to ensure you never miss a payment.


The best way to make cash short term is by selling things you already have. Take a look around your house
and gather anything you think could make money. This can be anything from old (even broken) electricals
to clothes and toys. Then, start selling them online.

Long-term, you’ll need to be more creative if you want to continue to make cash by selling online. But, there are
options. You could sell your services as a freelance writer, web designer, photographer, or anything else you are
skilled at. Or you could start selling crafts or clothes that you make yourself at home. Think of what you are good
at and ask yourself if others would be willing to pay for it.


Selling isn’t the only thing that you can do to make money online. If you just want a little extra pocket money
for treats or to help you pay off those debts, you could try online survey and review sites, website testing or
even sites that pay you to play games and watch videos.
Of course, long-term the best way to increase your income is through hard work and effort. Speak to your
manager about promotion and development or start looking for a better-paid job. But, until then, making a little
extra cash can be much easier than you might think.
Share this:
Share this page via Email Share this page via Stumble Upon Share this page via Digg this Share this page via Facebook Share this page via Twitter

Your Money & Your Expected Child: The Balance

If you are currently expecting a child, then you will already be well aware that there are many
things you will need to consider in order to make sure you make the most of the situation at
hand. It can be almost impossible to consider everything that there is to consider, but with a
careful approach you should be able to at least improve the likelihood of the situation going to
plan. One of the major aspects of this will always be money, as you need to
ensure that your financial concerns are well dealt with too. But what do you actually need
to do to make sure that your finances are dealt with around this time? Let’s look at some
of the basics.


Budgeting Far Ahead


The truth is, it takes the ability to think far ahead to even deal with the here-and-now of having a child.
You will need to think about all of the things which you might need to focus on even in the future,
and you will immediately be hit by just how many things that truly is. It is not too early to start
thinking about their college fund, for example, or how you are going to afford all of the diapers, food
and so on while they are still a baby. I  checked out best breast pump reviews to find one that could help us save money!
 but the sooner that you budget for all of this, the sooner you will be
able to feel as though you are truly prepared for your child to arrive, at least financially. There is no such thing
as going in too detailed when it comes to budgeting, so just make sure that you think of everything
that you possibly can.


Expecting The Unexpected


Usually when things go wrong financially, it is because of something unexpected occurring.
And when you have a child appearing into the mix, unexpected things can suddenly happen
all of the time. It is therefore wise to try your best to expected to be surprised, and to plan
for the things you can’t really plan for. This means, most of all, being aware of what dangers
and trials there are likely to be in the early days, as well as being aware of some of
the less common – and by that token, more worrisome – things that can go wrong during
childbirth itself and in the early years of bringing up your child. There might be time when you
will need to enlist the help of a birth injury lawyer like Gray and White Law just to get by. In
either case, it is useful to be prepared for all the things which can end up costing you more
money, as in that way you can at least take the best step when those things do occur.


Finding The Right Help


Nobody can be entirely immune from needing some help from time to time – ut what you can do
is make sure that you are going out of your wy to find the right help, and to utilize it
at the right time. Whatever friends and family you might have are likely to be useful at
certain times, and there is an art to knowing when to use their help and when not to worry about it.
As long as you utilize the right kind of help at the right time, you will find that the whole
process of having a child and looking after your finances is made much easier. Don’t be ashamed
if you ever need to ask for help – most people do at some point or another. There is no shame in it;
it’s just a part of the process for practically everyone. Finding the right help is in itself a valuable
skill which can help you to keep going in times of sheer adversity.


Putting The Baby First

Something no mother needs to be told is that the baby always comes first no matter what. So whatever financial issues you might be having, you will always have the instinct to look after your baby first and foremost, and that is what will always come out on top. This is a good point to remember, because it means that you will always be sure to make the right decisions when times get tough. Balancing your money and your baby concerns can always be tough, but as long as you retain this basic sense of what is necessary, you can ultimately be sure to make the right decisions, and that is what matters at the end of the day.

Share this:
Share this page via Email Share this page via Stumble Upon Share this page via Digg this Share this page via Facebook Share this page via Twitter

Taking a New Road: Overcoming Those Past Financial Mistakes

We are all a product of the choices we’ve made. Unfortunately for some, those past choices
can be categorised as “mistakes,” and when it comes to finances, then that means we
can very often feel trapped in a position that we’d much rather not be in. But here’s the
thing: regardless of what we’ve done in the past, there’s always a way to fashion a
more prosperous future for yourself. Below, we take a look at how you can move on
and look to the future with hope.


Source: Pexels.com

Drawing a Line


Starting today, your life will be divided into two parts. The first one, the one you’re about to
leave behind, is the one that positions you as a person with money troubles and worries.
The second one, the one you’re about to enter, will be that as a person who is taking control
of their past mistakes. It may seem like an empty, symbolic gesture, but it’s not that at all:
you’re saying to yourself that you’re ready to move forward with your life. What you’ve done
in the past has gone; there’s nothing you can do to change it. But you do get to determine
what your future looks like: focus on that!


Find a Solution


When it comes to moving on from your financial mistakes, the first step is to confront the reality
of the situation. After that, it’s about finding and enacting solutions. You don’t have to face this
battle all on your own, however; some companies and organisations can help to make your
debt problems a thing of the past; check out https://debtconsolidation.co/debt-relief/ to see
some of the options that are available to you. By taking action, you’ll obtain a greater level
of control over your situation, something which is psychologically very important.


New Habits


Of course, it’s unlikely that you fell into financial difficulties by accident. You’ll have been
living a certain way that put you in that situation in the first place. The key now is to ensure
you’re leaving those habits behind. Develop new habits, ones that are conducive to your
overall financial health. This might be saving for your future, limiting your expenses, or
finding a better paying job. Now that you’re consciously thinking about your finances,
you’re in a solid position to make money matters a thing of the past for good.


Living in the Moment


It’s easy to get overwhelmed when you’re taking on your financial past. Your head can
become scrambled with information. Though you’re looking both to the past and the future,
it’s important that you also live in the moment. If you’re happy and calm with what you’ve got,
you’ll be able to tackle your problems head-on, and will also avoid slipping back into those
old habits.


Your Own Path


Finally, remember that it’s your life: there is no set way to do anything. Choose your own path in
life, resisting the temptation to follow other people, and you won’t be suckered into living a life
that you can’t afford.
Share this:
Share this page via Email Share this page via Stumble Upon Share this page via Digg this Share this page via Facebook Share this page via Twitter

Do These Things Now To Get Your Finances In Order For The Future

The future can seem a long way away, but then before you know it, it is upon you.That is why it’s so important
to sort your financial future as soon as possible. With this in mind read on to find out what you can do now
to help you will this.  


Create a priority plan


The importance of financial planning can never be overstated. In fact, you just can’t expect to get your
finances in order for the future if you don’t know what you are working with. To this end, make sure that you
have an accurate plan of what your incomings and outgoings are right now, as well as the amounts you
need to find for big purchases in the future.




In this way, you can see how much you can save each month towards your next priority. Although you do
need to remember that wherever possible only choose one thing to save for at any one time. Otherwise,
the progress can be so slow that it becomes very demotivating and you can easily end up getting off track.


Raise your credit score  


Another action to take now to improve your financial future is to ensure your credit score is as high as possible.
The reason for this is that a high credit score is a healthy one, and it will allow you access in the future to all
sorts of credit offers and loans. Things that can be very useful for purchasing big-ticket items.


Of course, the task of raising your credit score may be easy, or it may be more difficult depending on the issues
that you have on your record. Luckily, there are sites like repair.credit that offer advice on which credit repair
company to choose to help you improve your score. Something that can make the whole process
a lot easier and faster than if you were to attempt it yourself.


Wipe out your debt


One of the most valuable things you can do now to help your finances in the future is to work on getting
rid of any debts you have.


This is so vital because just having debt is costing you money, and by getting rid of this you put yourself
in a much better financial position going forward. To help you clear your debts
follow the advice at sites like clark.com.


Consider investing


Lastly, to achieve a strong financial position in the future, it may be worth considering investing. You may
choose to invest in property, where you buy a place and then lease it out, or sell it on for an increased




Stocks and bonds are another option, and with all the apps around at the moment you can choose to manage
your own portfolio, or pick a more traditional option that will be managed for you. You may even like to
consider commodities trading. Although the latter is known to be higher risk, so may not be suitable
for those that are looking for a safer bet to increase their future capital.
Share this:
Share this page via Email Share this page via Stumble Upon Share this page via Digg this Share this page via Facebook Share this page via Twitter

A Positive Spin On Negative Funds

A lot of people worry about the idea of borrowing money from someone else. This is often portrayed as irresponsible and
impulsive,with people who like to borrow suffering grave consequences for their choices. Of course, though, like any financial
decision, the results of a loan will rest solely on your research and dedication before you get one. To help you out with this,
this post will be going through some of the positive ways to look at loans, while also helping you to choose the right ones for you.

A detailed close-up of a classical building on a five euro note

While your cash is locked up in loans, it’s money which can’t be spent. While you’re paying it off, you will have to adopt stricter
budgeting rules and will be spending less than you usually would. This is an excellent chance to build up some healthy
money management habits for when they debt is gone. For example, instead of returning to your old spending habits once
the loan is paid, you should save the money you used to be paying back. This will enable you to do much greater things
with your money.

Money can get you very far in life. Buying a car, a house and an education will all come at a cost which most won’t be able to
afford right away, though. In these cases, getting loans is one of the best ways to make some progress without having to wait
for years. Your family won’t wait for you to be able to afford a whole house before they need one, and a mortgage can help with
this. Likewise, a career won’t wait for you, and this means a student loan can be a great way to get yourself qualified.

Having an emergency buffer to spend when you really need it is a great way to keep yourself secure. Modern options, like
zero interest credit cards, make it possible to borrow money without having to pay any extra when you return it. Of course,
you have to give the funds back within an agreed time for this to stay true. But, if you plan well enough, this could be a huge
benefit, making it much easier to bridge the gap between paychecks and keep yourself afloat.

Ultimately, borrowing money is only an issue when you’re not careful with what you’re doing. Most people have the ability
to pay back small loans here and there, and it won’t break the bank to do so. Planning for something like this isn’t too hard,
either. By thinking into the future, you can lay out all of the money you will have to spend within the next few months.
Comparing this to how much you’ll be earning, you’ll be left with the amount you can spend on your loans. As long
as you’re never missing a payment, having a little bit of borrowed money isn’t a bad thing.

Paper money in a holder.
Hopefully, this post will inspire you to start working harder on the time you put into your borrowing needs.
This part of life doesn’t have to be negative, as long as you’re willing to do the research to back yourself up,
along with being able to moderate your spending.
Share this:
Share this page via Email Share this page via Stumble Upon Share this page via Digg this Share this page via Facebook Share this page via Twitter
Author Login