Tag Archives: cash money

Oct29

Easy Ways To Make Extra Holiday Money

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Easy Ways To Make Extra Holiday Money

Christmas can be a stressful time of the year financially, especially if your budget is already stretched. If decreasing your spending won’t cut it, then starting to look at options for making more money can be the way to get through the holiday season. Many people take on second jobs at this time of year, but could there be an easier way to boost your savings? Get ready to grow your income with these ways to make extra money in the lead up to Christmas:

Invest:

Putting your money into a particular stock that you know will help you reap rewards will make sense. Of course, it’s a case of having patience, discipline, and knowledge. In this day and age, the likes of cryptocurrency is taking over. This is because we’re likely to use digital currency going forward and cash will become close to being obsolete. Learn about crypto, BNB trading, the market cap, and all kinds of related pieces because it could help you make more than just a little extra money on the side.

With the rise of cryptocurrency, you might want to buy bitcoin with INdependent Reserve. As always, it’s important to do your research first as many people know of bitcoin but are not familiar with its ins and outs. If you have a friend or family member that uses bitcoin, it’s a great idea to pick their brain and ask for advice. Should you not have that option, go online and seek tutorials and step by step guides. Find out the Bitcoin price in USD or the currency you use, familiarize yourself with best practices, and make your investments wisely. Once you become savvy, it can become a viable extra source of income.

Use your skills:

Do you work in a job where you could use your skills on a freelance basis? It could be easier than you think. From copywriting to bookkeeping, there are all kinds of jobs you can do part-time or freelance to help you boost your income. It’s worth checking out the types of roles that are available online through websites like Upwork and People Per Hour.

Many people turn side hustles into full-time roles, giving you the perfect excuse to make a switch to a career you’re passionate about and interested in. Remember to only work the hours you can afford to spare, you don’t want your side hustle to have an effect on your day job.

Become a tutor:

Becoming a tutor can be another excellent way to put your skills and knowledge to good use. Whether you can speak another language or you were great with math at school, you could help a student improve their skills and help them succeed. You can find tutoring opportunities listed with local schools or colleges, and a shout-out on Facebook could be another way for you to find your first gig. Becoming a tutor can be very rewarding, helping you remember your enthusiasm and interest in a subject you might not get to use very often.

Offer babysitting services:

Many people need babysitters at this time of year. People get very busy during the holiday season, so if you love kids – why not offer up your services? You could ask friends and family to begin with and to help you build up some experience. From there, you can find babysitting jobs online in your local area. Babysitting can be a lot of fun, and great practice if you’re thinking of starting your own family soon!

Become a dog walker:

If taking care of kids isn’t your thing, perhaps you could take care of animals, instead? Dog walkers are in high demand, and you can make some great additional income as a walker. Not only will you get the chance to interact and play with some fantastic dogs, but it can also help you stay fit too. Getting out and about during the winter is tough when the nights are dark and the weather is cold, but a four-legged friend who’s happy to see you should be more than enough motivation to get outside!

Sell unwanted goods on eBay:

With the holidays around the corner, it’s a good idea to clear out some of the clutter in your home before a new intake of gifts arrives. This helps you to keep your home neat, as well as making sure you haven’t got items sitting there going to waste.

Selling your unwanted items on eBay is easier than you might think, and you can do it all from your phone. Of course, not everything is going to sell so if you find yourself with items you can’t make money from, you always have the option of donating or recycling them.

Take advantage of cashback:

There are a lot of ways you can earn money online, some of which involve nothing more than carrying out your regular activities! Cashback websites are great for helping you get money back on your purchases, with no catch. Most top retailers can be found on cashback websites. Not only that, but many cashback retailers can also help you find discount codes online – helping you save even more money on your purchases.

Spending your free time making some extra money can be an easy way to build up your Christmas fund. Not only that, but it could lead to something more permanent that could help you increase your savings in the New Year!

Featured Image By: Unsplash

Oct1

Side Hustles You Could Turn Into A Full-Time Career

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Side Hustles You Could Turn Into A Full-Time Career

A side hustle is a great way to earn some extra money. It’s also a way to pursue your interests, and it can help you build skills that might not be possible with your regular job. Some side hustles can even lead to bigger and better things. If you’ve wanted to make a career switch or you want to pursue your life’s passion, then a side hustle could be the beginning to helping you realize this.

Are you interested in knowing what’s out there? Here are some amazing side hustles you could turn into a full-time career:

Copywriting:

Copywriting is a popular side hustle choice. Businesses and individuals need copyrights for their websites, social media channels, etc. which puts copywriters in demand. If you’ve got great writing skills and are good with a deadline, then becoming a copywriter could be an excellent way for you to make some money. Eventually, you could decide to make the switch to a full-time copywriter, either for a business or on a freelance basis and choose a career path that’s flexible and relevant to your skills.

Online Surveys:

There are so many amazing websites out there where companies will pay you for your opinion in the form of surveys. And, if you are using some of the best survey sites, then that money can really add up quickly. Take an hour or so out of your day to get started and give your thoughts on anything from vacation spots to groceries to earn some pocket change. You can always extend your time if the survey route is working well for you.

Realtor:

Do you love all things HGTV? Then becoming a realtor on the side could be a fantastic way for you to pursue your interest. Of course, you’ll need a real estate license to be able to become a realtor, but it’s a qualification worth having if you’d like to pursue the role full-time. Some people start out their real estate career helping friends and family or working weekends, which can help you to earn some extra income while you get yourself established.

Photographer:

Are you a talented photographer? Why not use your skills to become a photographer as a side hustle? From photographing events and weddings to selling photos to stock websites, you could make a great second income from photography. If your photos are good and you market yourself well, word will soon spread – allowing you to easily turn your photography work into your full-time job. Expand your reach by posting photos regularly or even creating your own website like this Surrey wedding photographer. You never know who will be interested in hiring you if you don’t show off your content!

As your photography business takes off, it is a good idea to plan ahead. For example, you might want to consider photography insurance to keep all of your expensive equipment well protected. This is something that you might not need right now but you will be so happy you have it should anything go wrong. You might also want to start thinking about what it would cost to hire an assistant or rent out a studio if this is really the direction you want to go in.

Selling online:

Interested in starting an online shop? Many people make great side hustles from selling on eBay or Etsy. If you’ve got a talent for making things or an eye for vintage apparel, selling online can be an enjoyable way of increasing your income. If things take off, you could look at starting your own online business and start selling from your own website. With online sales, you will want to cultivate a brand that is unique to you. You can build your brand with custom packaging and ship your products with high-quality welna drzewna (wood wool), set up a booth at vendor fairs, and good old-fashioned word-of-mouth marketing.  What might start out as a hobby could soon be an amazing way to take charge of your career.

Having a side hustle can be a simple way to top up your earnings, while also making the most of your free time. While there are many people who enjoy their side hustle on top of their regular work, there are also plenty of people whose side hustles become a full-time career. Take a look at opportunities to boost your career through life-long learning; you never know where these additional skills could take you!

Featured Image By: Unsplash under Creative Commons

Aug2

Personal Loans: Why Choose A Moneylender Over A Bank

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Personal Loans: Why Choose A Moneylender Over A Bank

A loan can be a godsend, especially when you are consolidating debts. It can be unsecured, so you do not have to borrow against any valuable assets you own. This makes it less risky for you in case you run into some trouble in the middle of your personal loan’s tenure. As you can use the money for mortgages, revolving lines of credit, or wherever you see fit, you will be less pressured to explain where you will use it. In fact, you may not even be asked about it at all.

If you are planning to apply for one soon, going to a moneylender in Singapore may be more advantageous than dealing with a bank. Why? You can find out more about it below:

Decreasing Interest:

Unlike bank-issued loans, those offered by moneylenders do not come with fixed interest. This is good news, as the extra money you pay to borrow the cash decreases every time you make payments. In a way, you are incentivized not to miss your repayments. For instance, if you borrowed $20,000 and you have already paid $8,000, only the remaining $12,000 would be considered for interest computation.

Quick Approval:

Moneylenders do not process loan applications when there is insufficient documentation, but you can expect less paperwork. Banks are notorious for tons of paper requirements, rendering the entire process a bit more cumbersome. If you are in a hurry, walking into a moneylender’s office should be your priority. If you bring everything you need to get your creditworthiness assessed properly, you may receive the money as fast as 24 to 48 hours. Online applications for loan approval are also available with companies like FatCat Loans Canada (or a similar business in your local area). However you choose to go about the application process, be sure to ask any questions you might have before you accept the funds. If you are feeling hesitant or unsure, it’s best to wait until you are fully confident in your decision.

Flexible Repayment:

Compared to banks, moneylenders are more lenient when it comes to repayment plans. They are more open to unconventional terms because they make every effort to help their customers avoid non-payment. On the contrary, banks have strict rules in place. Individual branches do not come up with their own regulations, and they only follow orders from their higher-ups. In many cases, the hands of bank representatives are tied and cannot accommodate special repayment requests. Negotiate all you want, but that could go futile.

No Discrimination:

Singapore banks only cater to citizens and permanent residents. They mostly do not entertain loan applications from foreigners living in Singapore. In addition, traditional financial institutions are not usually interested in borrowers whose annual income is less than $20,000.

Moneylenders have minimum income requirements, too, but not as much as banks. They serve customers who earn less than $10,000 per year. Their doors are also open for foreigners residing in the country. The maximum amount a borrower may qualify is based largely on their annual income and residency status, but everyone (except tourists) is welcome to apply.

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Admirable Lending Behavior:

The moneylending industry is highly regulated in Singapore to protect the best interests of its borrowers. The government provides a Registry of Moneylenders, making it easy to identify whether a business can be trusted or not. If a licensed moneylender misbehaves, the authorities encourage you to report any unacceptable behavior.

Banks and moneylenders have unique selling points, but the latter is more appealing to most borrowers. Shop around as hard as you can and use the competition to get the most favorable personal loan available.

Jul11

Pricing Your Products The Right Way

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Pricing Your Products The Right Way

Much has been said about gaining the trust of your customers. You need to have great branding efforts and your marketing materials should be engaging enough to draw them in. However, building trust goes beyond all of these. You need to show that your brand is genuinely caring – that you will always provide them with products and services whenever they need them. You shall act as a friendly advisor. On top of these promises, you have to be fair. Fairness is among the values that establishes the foundation of customer relationships. One way of exemplifying fairness is through pricing the products the right way.

Many business people, though they are genuinely caring, often make the mistake of putting up a high price tag. Your goal is to earn profit, but that does not mean that you will not be transparent with your dealings. You just don’t give prices without any basis. There are a lot of factors that come into play. Here are some of them:

Gauge the market:

The market shall always be your compass when determining the prices of your product. Just look at your competitors. They may be offering the same products and services, and you have to know how much they are charging. By simply looking at this factor will allow you to play the game with your ear. If you charge too much, your customers will go to your competitors. When your prices are too low, there will be risk of overwhelming demands, which in turn may compromise the quality of your offerings. Find the middle ground and take it from there. You can use various price monitoring tools in this case for guidance.

Consider your costs:

Sometimes, you will need to look at your own resources and production to gauge how much you are going to charge. You need to have a breakeven and even get your ROI. Otherwise, you will experience loss, which is not a good thing. Take into account other factors besides product development and manufacturing and include overheads, such as rent, staff salary, and marketing in your list. If you are having difficulty breaking even due to a struggle with efficiency, software services like PLM can assist with task management and production. Tools like this could be the game changer your business needs to experience meaningful growth.

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Talk to your customers:

Before you release or launch a new product, you have to talk to your customers first. Find out if they are willing to spend their money for the product or service you are releasing. You can conduct a survey or a focus group discussion to make this prospect easy. You can also streamline the process with online services like the Kano Model that can be employed to give you more insight into the customer experience.

Look at the economy:

You will also have to look at what the economy does to various industries. The effects of macroeconomic activities trickle down to businesses. They affect the prices of raw materials and manufacturing services. The price of your products should depend on the costs you incur at a specific economic phase.

The price is right, that should be the guiding principle you follow when deciding on the price tags of your product. When you price the products right, you are showing your commitment to being transparent and building trust. Pricing the products the right way should not be difficult, as there will always be methods and tools that will help you.

May13

How To Prepare For The Sale Of Your Home

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How To Prepare For The Sale Of Your Home

Selling your house is an exciting time, but it can also be quite stressful with all of the things you need to plan for and take care of – especially if you’ve never done it before. To make the process easier on you, in this post we’re going to share with you some of our top tips on how to prepare for selling your house:

Pick a good estate agent:

The very first step when it comes to selling your house is to ensure that you have a good estate agent who will be there to make the process as easy as possible and help you with any questions you have or any issues that arise throughout. Although there’s no foolproof system for finding an estate agent who does a good job and who you can trust, a good way to go about it is by asking for recommendations from friends and family who have sold or bought through a specific agent and then contacting them. Another option is by doing a search online in your local area, for example, for an agent with good reviews and see what you can come up with. At the end of the day, you are going to want to Sell your Houston area house fast (or your local area). An excellent estate agent will understand that and do their best to move you along onto your next adventure in a timely manner.

Carry out repairs:

Once you’re starting to prepare the house to get ready to sell and conduct viewings, then it’s going to be a good idea to start carrying out the repairs that have been getting put off and that really need done. This will also give a much better impression with the new potential owners, so it’s a good idea from an investment point of view. Whether it’s repairing floors, fixing a leaky pipe, installing a new Tsurumi submersible pump, or even fixing the roof, get these things done before you even start conducting viewings.

Completing necessary repairs can be a time consuming and expensive process. This can be a major hindrance if you would like the selling process to be as speedy as possible. Should this be the case for you, there are other options. Simply enter a search for “We buy Houses North Carolina” (or your local area). From there, you will be able to begin weighing your options as there is a chance you can sell your home as is. Perhaps you will want to carry out repairs that are less expensive to increase your offer. Or, you will accept the cash for houses amount and be on your way to your new place without the worry of major repair bills.

Have your paperwork ready:

Selling a house is a big task that involves a lot of paperwork, so making sure that you have everything ready on this front is very important and will make your life so much easier – especially if you’re looking for a faster sale or need things done in a certain way. You can speak to your bank and estate agent as well as your lawyer about the kinds of paperwork you need in order to get everything organized, but it’s definitely a good idea to do this as early as possible so that everything can run smoothly and you’re not rushing around trying to gather things that you don’t have.

Make sure everything is well presented:

If you want to sell your house, then you want to entice potential buyers and they’re not going to be interested in buying from you if your house is a mess, the garden looks like a jungle, and it looks like nothing has been taken care of since you moved in. Make sure that the place and the surrounding areas are clean, tidy, and free from clutter and, in some cases, it could even help you raise the value of the place a little before you sell it, which is never a bad thing!

Use the tips above to ensure that your sale goes smoothly and happy moving!

Featured Image By: Pexels

Mar4

How Much Is My Face Worth?

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How Much Is My Face Worth?

Hiiii! Makeup is something that I definitely enjoy, but I would never say that I go overboard with my beauty product purchases. However, that doesn’t mean that I don’t like splurging every now and again! And that begs the question of how much is my face worth. I’m also going to include my hair styling necessities, since that is a major part of my look, as well. Let’s find out together, because now I’m curious!

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A typical MOTD for yours truly looks a lot like the look above plus or minus the lipstick. The products and cost of what I use to achieve that MUG are the following:

Eyes:

Brows: Microbladed by La Marie Brow Club

Mascara: I use a combination of mascaras to get the super bold, fanned out look but the main component is Better Than Sex by Too Faced. This mascara runs for twenty-four dollars per tube.

Eyeshadow: My favorite eyeshadow to use is a gorgeous metallic bronze shade from The Body Shop. When the store that I live by had their half off closing sale, I purchased quite a few of them for six dollars each. Not bad!

Face:

Blush: Like my mascara, I use a combination of blushes to create just the right color. I use Maybelline’s Dream Bouncy blush in Fresh Pink which costs about eight dollars per compact. I also use a warmer baked orange shade from The Body Shop over the Fresh Pink to make a nice, summery glow over the pasty pale, which gives a contrast that I love. That blush is called Macaroon and I got it for close to eight dollars, as well.

Highlighter: The highlighter I’m using right now is Sephora brand from their Golden Hour collection in a shade called Dusk. I like this highlighter a lot and it was the cheapest one in the store, costing me nineteen dollars.

Shimmer: To finish the makeup on my face, I use the Blush On Radiance beads from The Body Shop to tie everything together with a shimmery finish. One jar lasts me such a long time and is twenty dollars.

Lipstick: And, of course, my lipstick! I use a matte shade called Pure Red by NYX and it is six dollars per tube. It is absolutely divine and I have never used a better lipstick in my life.

Hair:

Leave In Conditioner: To keep my hair silky smooth, I use the Mistress Leave In Conditioner by IGK. It’s a bit more pricey at twenty-nine dollars. But, I’ve been using the same tube since September and I literally can’t live without it.

Heat Protecting Spray: I am currently using a heat protecting spray by Tresemme that I’ve had since August. It cost me seven dollars for the bottle, making for an insanely cheap cost per wear!

Hair Dye: Of course, I would be nothing without my signature red hair. Nothing, I say! The Vidal Sassoon Runway Red color from the London Luxe collection is all I will ever use and, at ten dollars per box, I can definitely swing that!

Hair Straightener: My Hot Tools hair straightener from TJMaxx was twenty-five bucks and it had to be included on this list because if I’m doing my makeup, then I’m definitely straightening my hair to complete the look. This flat iron works great and the products that I use definitely work well along with it.

Grand Total: $162

This sounds crazy because one hundred and sixty-two bucks is a pretty big number – BUT, I’m actually really happy with it… I thought it was going to be higher! I make an honest effort to use more budget friendly brands than high end and I think that number shows for it. My makeup lasts me a long time because I try to take good care of it and use it until its completely done and the cost per use of each product makes those purchases well worth it.

How much is your face worth? What is the cheapest and most expensive beauty product you use? I want to hear from all of you, so leave me a comment and let’s chat! Much love. -Sarah

Feb4

Stingy Girl Secret

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Stingy Girl Secret

Hiiii! Okay, so before you read this post, a back story is definitely required. Because, even I have to admit, my Stingy Girl Secret makes me sound like the biggest cheapo on the planet. But, I promise you that this was the most unintentional hack I’ve ever come across. Let’s begin:

As all of you know, I had a really unfortunate oral surgery in December that left me suffering for an entire month. Although I am feeling much better, I am still having issues with beverages that are too cold. During recovery, I could only drink or eat anything that was tepid in heat because of the extreme sensitivity that my mouth was experiencing. With that in mind, we may proceed.

Monday is essentially my busiest day of the week, because I have back to back clients all day. Because of this, I like to get a little treat before I start my work day. AKA, I go to Starbucks after I fill up my car at the gas station. It has been my routine for some time now, and my day always feels off if I falter from that.

Normally, I enjoy an iced coffee to start off my work week. But, after an unfortunate incident, I just haven’t had the taste for it. (Long story short, my mouth started bleeding profusely when I was at a client’s house while drinking my iced coffee. The bleeding had nothing to do with the drink but, for now, I just can’t stomach it.)

Anyways, I’ve been on a big green tea kick from Starbucks since that happened post surgery, but I know that my mouth couldn’t handle a hot or an iced tea. So, upon my first trip back to Starbucks when I felt up to it, I went into the store instead of the drive thru, because this required the utmost sensitivity. I hesitantly walked up to the counter and asked for a room temperature green tea with anxious thoughts rushing through my head.

Is this request even possible?

Will they deny me my request for a not hot but not cold beverage?

Should I just run away screaming and never show my face again?!?!?!

Luckily, I didn’t have to run out of the door in shame and return only with a paper bag on my head, because the barista said I could do an iced green tea with no ice. An iced green tea with no ice?? My god, it’s so simple. So brilliant. So exactly what I needed. An iced green tea with no ice. It was a revelation. I paid for my drink and eagerly awaited for it down the way. Once my name was called, I reached for the cup and I couldn’t believe it.

IT WAS FILLED TO THE BRIM!!!

In my hazy post surgery gone wrong trauma, I really don’t know what I was expecting. For them to just fill the cup halfway because of the no ice request, I guess. But, no. My Trenta cup was filled all the way to the top with BEVERAGE. It was a miracle.

I really didn’t realize how little drink that I was getting from an iced beverage when the ice was actually in it. On my normal Monday morning commute, I would finish my drink on my way to work. But, now that I have a filled to the brim drink, I can sip on it happily for a while when I’m working. And, to this day, I always ask for my iced drink with no ice so that my sensitive teeth aren’t screaming at me and I can get a full whopping thirty ounces of beverage with no questions asked.

Stingy? Yes. But, this find was so unintentional and honestly so simple, it’s a bit stupid. BUT, it was literally the only highlight of the major trauma that I went through last month and I had to share it with all of you. I don’t know what I was getting at with this essay but, I’ve said my piece, and I feel really great about it – so thanks for reading! 😀 lololol

What is one of your stingy secrets? How do you save money when you treat yourself? I want to hear from all of you, so leave me a comment and let’s chat! Much love. -Sarah

Jan7

Making Sure Accidents Have A Minimal Impact On Your Financial Life

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Making Sure Accidents Have A Minimal Impact On Your Financial Life

Hopefully, you won’t be involved or implicated in any accident throughout your lifetime. But it’s a good idea to prepare yourself in case of accidents and to know what to do if you find yourself injured in an accident. Injury can have a profoundly detrimental effect on your overall health and well being, making it difficult for you to work and, consequently, negatively impacting your finances. Here are a few different ways to avoid the financial strain from happening if you find yourself hurt:

Taking Out Insurance:

A precautionary step that you can take in regards to accidents is to take out insurance. Insurance policies essentially protect you from experiencing financial difficulty if negative events occur in your life. Travel insurance can cover medical costs incurred overseas, such as care, treatments, and procedures. Disability insurance can ensure that you still have an income if you become disabled and are no longer able to work.

Gathering Savings:

Another step to take is to gather savings. This means that if times get financially hard during your process of recovery, you will have funds to fall back on. You won’t have to go without at any point. You can generally gather savings by dedicating a portion of your disposable income to a savings account each time you are paid. Make sure to compare different savings accounts and to choose the one with the best interest rate.

Seeking Legal Help:

It is extremely important that you seek help after an injury if the injury was no fault of your own. Generally speaking, injuries take place in spaces where others are responsible for your safety and well being and, if you have been hurt, someone needs to be held accountable. This goes for injuries that occur in the workplace, in public places, or on commercial premises. Should you have been at work when your injury occurred, you will want to research the best workers’ comp lawyer in Wisconsin (or your local area). Getting help through a lawyer that specializes in workers’ comp not only benefits yourself but your fellow employees. With a job site injury, equipment and safety protocols will be improved to prevent another worker from getting hurt.

Seeking legal help through a lawyer for your specific injury such as a Spine Injury Lawyer can ensure that the same doesn’t happen to someone else in the future, and it can also help you financially. Those in the wrong should pay compensation, which can cover your medical costs and can go towards your lost earnings during your period of recovery. This will help you to avoid going into debt if you have to take time off work to get back to your usual, healthy self.

On the flip side, legal help can be sought when you were in the wrong and this can help lessen your punishment in court. Everyone makes mistakes and if no one was harmed if, say, you got a DUI then a lawyer can emphasize that point to the judge. Should this be the case for you, a consultation with a Denver DUI attorney (or your local area) can be most beneficial. Perhaps they can assist in getting driving privileges to work so you can maintain your source of income.

Living Within Your Means During Recovery:

Recovery can be a relatively dull period in our lives. We have limited entertainment and distractions and can quickly grow bored of watching the same television shows each day. So, it’s not all too surprising that many people tend to treat themselves excessively and live beyond their means at this time. They might spend more on comfort food. They might purchase films they’ve not seen before. They’ll buy more reading material. The list goes on and on. But it’s extremely important to live within your means during your period of recovery, or you might find yourself sinking into debt.

These are just a few different steps that you can take in order to ensure that accidents have as minimal of a negative impact on your finances as possible. Incorporate them into your routine as soon as you get a chance!

Featured Image By: Pexels

Dec12

How To Get Your Foot On The Housing Ladder

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How To Get Your Foot On The Housing Ladder

Getting your foot on the housing ladder can be a difficult (and daunting) thing. What does all of this financial jargon mean, and will we ever understand all of the mortgage-related words that are floating around? And, on top of this, will we be in the endless cycle of renting forever? However, getting your foot on the ladder is a great way to stop wasting money on renting, and it feels really good to be on the road to owning your own home. Read on if you want to know how to do it, and say goodbye to your rented property:

Get a loan:

Ah, the dreaded word. Getting a loan may not be as bad as you actually think, though, and it can help you to cover unexpected moving costs, as well as your deposit and other expenses that you’ll have to pay out. Check the rates before you dive head first into the world of borrowing money, and make sure that there are no hidden terms and conditions that might compromise you in ways that you didn’t expect. Whilst getting the home of your dreams is important to you, it isn’t worth risking too much and acting haphazardly, and loan companies don’t always advertise the downsides.

Speak to a mortgage broker:

The most popular way to get your foot on the housing ladder is getting a mortgage, so speak to a mortgage broker if you’re thinking about choosing this method. There are mortgage experts available to assist with any financial situation, whether you’re dealing with Million Pound Mortgages with LDN Private Clients, or similar experts that deal with modest income. The same thing applies here when it comes to getting a good rate with no hidden costs, but speaking to a professional will help you to establish what you really have to pay out, and how many years your mortgage will cover. It may not be as daunting as you really think, and you won’t be paying it off for the next fifty years, especially if you work out a good repayment scheme with your broker. Get in touch with someone like https://altrua.ca/ if you’re looking for a mortgage broker.

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Help to buy schemes:

If you’re struggling to get into the housing market, then the government could help you with a Help to Buy scheme. For every £200 you save towards your own home, the government will give you £50. This goes up to £3,000 in total that you could get from them, so it is worthwhile if you’re serious about buying your first home. This can help you to secure enough for a deposit and, this isn’t a loan, so you won’t have to pay it back. No matter what country you’re living in, there could be help from the government with buying your own home, so have a look into the options that are out there if you’re looking for a hand with funding from the government. One final option if you need help purchasing a new home or if you are under financial duress could be to learn how to sell a mortgage note. By selling a mortgage note on your old property, you can get cash in hand for the things you urgently need.

There are many ways to get your foot on the housing ladder, and getting a loan is one of them, although you should be careful about what you’re actually signing up for. Most people will have to get a mortgage, so speaking to a mortgage broker (a good one) will help you to get the ball rolling. However, before you visit any mortgage broker, make sure that you have a good basis for a deposit, and the government can usually help you with this. Look into your options, and get yourself on the housing ladder!

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Nov26

Making A little Extra: Give Your Bank Balance A Boost For Christmas

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Making A little Extra: Give Your Bank Balance A Boost For Christmas

It’s the festive season, and there seems to be a lot of extra things to spend your cash on. With so much distrust and uncertainty surrounding the banks in America, many people are looking elsewhere to invest their hard-earned cash. Making wise money decisions can be challenging. However, putting some aside will allow many to invest their income in places other than their bank account. There are also an array of ways, other than investment, to earn a little extra right now and for the foreseeable future. Easing the cost of Christmas will feel great in the new year, so it’s worth looking into. The following are some ideas, inspiration, and advice for those seeking new ways to top-up their bank balance:

Have You Thought About The Market?

It can take people some time to get their head around investing in stocks and shares, and it might not have been something you’ve considered regarding your cash. However, once people get the hang of it after researching the best prop firms; it can be a fun and lucrative decision. It’s an option that can suit many budgets and it’s worth putting a little cash into something first so that you can get to grips with the process, and expand once you have access to capital and further training and education on trading strategies and risk management.

Reading and researching everything from what a fast stochastic is to why options trading might be perfect for you is a must. This will help to break down stocks and their ratings for you to better understand what certain companies and corporations are doing, and how, when, and why you might want to get involved. Trading in stocks can be a very intricate game that requires a strategic plan, but with the right research, it becomes possible for anyone to do.

There is no guarantee that you’ll end up getting rich from trading shares, but those who make a wise stock price prediction in the market can grow their cash steadily and sell at the best time to release a lump sum to be used for whatever they wish. This makes it a particularly appealing option around Christmas time, as the added cash can make a real difference to the bills, present shopping and the plethora of other expenses that are bound to come up during the festive season.

Do You have An Opinion To Give?

If you’re able to take some time during the day to answer questions and provide your opinion on things, then paid surveys could be the option for you. Set yourself up with a dedicated email that you can use to sign up to the array of websites that are out there. Depending on how many you sign up for; there is an unlimited amount of surveys and questionnaires out there, ready for you to fill in.

The role will be flexible, as there’ll always be options in your inbox; so when you’re at home with a festive latte, you can take an hour or so and fill in as many online surveys as you can manage. Each questionnaire will pay a set amount, and, if you stick with a particular website; they usually add up what you’ve completed to a certain amount before you can withdraw any cash into your account, or redeem “points” towards shopping vouchers. You can sit and earn a little extra while you wait for the kids to change after football practice, and there’s no deadlines or pressure to complete things if you don’t have the time. It could be a great extra income for you, especially if you’re not quite ready for stocks and shares.

Making a little extra coin during the holidays is always a good thing to look into – those presents don’t pay themselves!

Featured Image By: Kaboom Pics