Tag Archives: money

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. Seeking legal help 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.

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

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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. 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.

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.

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!

Featured Image By: Pexels

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; it can be a fun and lucrative decision. It’s an option that can suit many budgets; it’s worth putting a little cash into something first so that you can get to grips with the process, and what’s likely to happen.

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. There is no guarantee that you’ll make a great deal in shares, but those who make wise decisions 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.

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

Early Holiday Shopping Tips & Tricks

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Early Holiday Shopping Tips & Tricks

Hiiii everyone! If you’re like me, then you like to get your holiday shopping done nice and early. I’ll tell you what, there is nothing better than clearing off your Christmas shopping list in November so that you can relax and be merry all December long. I recently began my shopping for my friends and family and even buying for just a few people has let me breathe a huge sigh of relief.

But, sometimes, holiday shopping can seem like a bit much – especially if you have a large family or group of friends to buy for. And, believe me, I get it. I have a pretty substantial list of people to shop for and that’s why I ball on a budget more than ever during the holiday season with the following tips:

Make A List/Budget:

The very first thing that I do when I prep for holiday shopping is the obvious starter of making a list. I go through everyone in my head that I need to buy for from family to significant others of the family to my boyfriend, BFFs, and colleagues and then write them down accordingly. Then, I include some basic ideas of what to get for each person by their names.

Once I have a good idea of who I need to shop for and what I would like to purchase for them, I set a budget. Normally, I have a pretty set in stone price range that I would like to stay in that applies for everyone. But, there could be certain people that you might want to shell out more or less from depending on the situation. Are you surprising your parents with a holiday gift basket? Awesome, ball out. Do you have a white elephant gift to buy for the office party? Spend a little less. That way your budget will still end up balancing out in the end.

Shopping lists and budgets provide a great guideline for completing your present purchasing in a (Somewhat!) stress-free manner. But, don’t let the price points that you set make you go too crazy! Going over budget is fine if the item is worth splurging on and you know that the giftee will love it. Like I said, there are always deals and hacks to utilize to bring yourself back within your spending limit. Like the following:

Steals, Deals, & Freebies:

My number one rule of shopping is to always get something extra out of your purchases. Whether that be points on a credit card, a free gift, or a BOGO style deal in store, always always shop smart. Do your research on the promotions that your favorite stores are running in store or online. Is a huge Black Friday sale happening? Maybe wait on that big screen TV, then. Is the deal that you can get online even better than what you could get in store? Then you better grab it before it goes out of stock.

Being aware of what promotions that the stores are running is just half of the trick. A good way to go about whether to wait for Black Friday deals or to purchase now is to think about what sales the store ran last year. I worked four Black Fridays in a row and the stores that I worked at ran the same promotions every year and they still do now. So, if those deals are worth waiting for, hold off until Black Friday or Cyber Monday. If not, and a good sale is running already, buying it now is just fine.

The next thing that you should be concerned with, are the deals that you can get with your credit or store rewards cards. Sometimes, it’s worth applying for a credit card just to do your holiday shopping on it. For example, if you apply for an Amazon credit card and get approved, you get a free fifty dollar gift card to spend on the site. Other credit cards will reward you with points or store credit when you use them. Can your cash do that?

And, finally, always compare in store and online prices before you purchase! Some stores will price match if it is cheaper online. And, other stores, like Sephora offer deals that you could never get in store. I spent fifty dollars on their website and got free shipping, two free samples, and two free really nice gifts for spending a certain amount of money. You should try to get the most bang for your buck whenever you’re shopping and free gifts for yourself never hurts!

Ready, Set, Gift Sets:

Gift sets are the bread and butter of my holiday shopping. They are a crowd and wallet pleaser and they are so fun to assemble. Some stores offer stellar pre-made sets that have a lot of product for not as big of a price tag, and those are great, too. If a family member or friend has a more eclectic taste, gift sets are an excellent way to go, because you can give them an assortment of odds and ends that will speak more to their uniqueness than a gift card. Or, if you’re shopping for nieces or nephews, hit up a Five Below and create a goody bag on a dime. And, always remember, that a nice basket or container is part of the gift so pick something nice that can be used again. 🙂

What are your tips and tricks for holiday shopping? Who has their holiday shopping finished already? I want to hear from all of you, so leave me a comment and let’s chat! Much love. -Sarah

Five Below Find

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Five Below Find

Howdy! Something that I’ve grown very fond of as of late are discount stores. Dollar Tree, Dollar General, Five Below – you name it, and I like it. Ballin on a budget is my lifestyle choice and these stores live by my motto of “why pay more if you don’t have to”. From office supplies and snacks to holiday decor for a dollar, sometimes I feel like I’ve hit the jackpot when I stop into a discount shop. Just the other day at Five Below, for example, I walked away with this darling hair bow for three bucks and I’m sure it would have costed at least ten at Claire’s! Take a look:

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This beautiful black bow with the long streamers ties in perfectly with my sweet goth aesthetic and I cannot wait to wear it. My hair definitely needs to grow out a bit more and, once it does, I will be pairing it with half up and messy bun styles ASAFP. The beauty of discount stores is that no one needs to know the price that you paid for a good find. For three bucks, I found a new accessory that would have costed me triple the price elsewhere and you just can’t beat that!

What is your favorite discount store to shop at? What is one of your best discount store finds? I want to hear from all of you, so leave me a comment and let’s chat! Much love. -Sarah

Featured Image By: Five Below

Step-By-Step Guide On Finding A Gift For Someone Special

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Step-By-Step Guide On Finding A Gift For Someone Special

Buying someone a present is something that is extremely fun, but it can also be very stressful at the same time. This is because new products and goods are released onto the market each and every day. This is obviously great in one sense because it means that with so much choice people are bound to find something perfect for the person that they are looking for. However, it also makes it increasingly difficult to come to a final decision because one cannot make up their mind.

This blog post aims to help people out with that, as it will provide guidance and tips regarding what one should look for when they are buying a gift for someone they are close to in order to help them narrow down their search:

Budget:

The first thing that obviously needs to be considered is how much the individual in question is willing to spend on the present. It can often be tempting to buy a gift that is elaborate, exciting, and impressive but also highly expensive in price. But, buying a present should be fun; it shouldn’t be something that causes damage to one’s bank balance. The first thing that anybody looking to buy a gift should do is sit down and come up with a limit on how much they are going to spend. This is a good idea, because not only does it help people to keep their finances in check but it also helps to narrow down the search for a gift dramatically.

Brainstorm:

Once a budget is set, the best thing to do is to take a piece of paper and brainstorm some facts about the person that they are buying for. There are a whole host of different things that people can write down. The following are just a handful of things which can be considered; the person’s favorite color, where they were born, their favorite alcoholic drink, whether they are a handbag or a shoe person, do they wear a lot of jewelry, what was their most memorable holiday, what is their favorite scent, etc.

This brainstorm is highly useful, because it will allow the person buying the present to open their mind in order to find inspiration for the types of gifts that the person would like. People always say it is the thought that counts and that is certainly the case. The brainstorm is also great, because little things can spark off a plethora of present ideas. For instance, if one’s favorite smell is lavender, then you could buy the person lavender scented candles, a floral based perfume, or a lavender-scented sachet. Or, if the person likes to travel, you could buy a toiletry bag, a guidebook on their new destination, and a new book to keep them occupied on the plane.

Always remember that gifts with some thought behind it are the best way to go, and will always be cherished by your giftee. Happy shopping!

Featured Image By: Pexels

Blog Better And Make Some Cash

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Blog Better And Make Some Cash

These days, blogging has become a lucrative career, so there is no wonder that many hobby bloggers are now turning their sights to making a bit of money from their blog. There are various ways that you can monetize your site, from offering advertising space to companies to running sponsored posts for them. You might even want to sign up to an affiliate program, such as the one offered by Amazon, which will earn you a commission for every reader that you send over to their site.

Of course, you will need to put in a bit of effort and hard work before you can start to make some money from your blog. Ready to start blogging better so you can cash in on it all? Here are some tips that can help you make a success out of your blog:

Figure Out Your Niche:

If you don’t already have a niche for your blog, it’s time to figure one out. This can help you bag a lot more readers and followers. The bigger your readership, the more you will be able to charge for advertising space and sponsored posts, so it’s always necessary to try to get more clicks onto your site. Even though your niche will mean that you need to narrow down what you write about, it will bring you a lot more dedicated fans. So, what sort of niche should you take? If you are a beauty blogger, you might want to start blogging about niche products that can help soothe certain skin conditions. Food bloggers can cater to different dietary requirements. For example, you might want to turn your food blog into one that focuses on gluten-free recipes.

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What is your niche?

Create A Long-Term Plan:

Next, it’s essential to think about your whole editorial approach. This will include things like the topics you will cover in future posts and when you will be covering them. Ideally, you should create an editorial plan to keep you on track. One useful tip is to write a lot of posts at once but then schedule their publication. That way, you will also have a bank of posts that you can fall back on if you ever go through a slow patch with your writing.

Take Your Own Pictures:

If you are currently using stock photos to brighten up your posts, you might want to think about starting to take your own pictures. Sure, there is nothing wrong with stock photos, especially since they are free to use. But, your own images will help to add a personal touch to your blog. Thankfully, the cameras on smartphones are so good these days, that you won’t have to invest heavily in professional camera equipment to be able to make your blog photos look incredible. It’s amazing what you can do with a smartphone and some filters!

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Snap!

Double Check Content For Errors:

Don’t forget that you need to make sure there are no spelling or grammar mistakes in any of your posts, either. If there are, then your blog might not look as professional as you would like, and this could ruin your chances of building some solid relationships with other brands and companies. Brands will want to find a blog and blogger that can help them reflect the quality of their products and services, and making these kinds of silly little mistakes could really put them off of working with you. If you know that spelling and grammar is something that you struggle with, you might want to hire some ServiceScape proofreaders to take a look at your posts before you publish them. You can then be happy knowing that all of your blog posts are free from any kinds of errors!

Use Mixed Media:

Photos might not be enough to make your blog posts look engaging and interesting to readers. Lots of bloggers are now using a variety of mixed media in their posts and throughout their website so that it all looks super appealing. If you go onto YouTube, you will find that there are thousands of videos that you might want to embed into your posts, for instance. In fact, you might want to even start making your own videos and try your hand at becoming a YouTuber. You can also earn money by posting videos onto YouTube. The more clicks you get, then the more money you can make. If you add advertisements to the start of each video, you even stand to make a lot more! So, using mixed media can not only help to improve your blog, but it can even help you make a bit of extra cash along the way!

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Always Cross-Link:

Do you already add a lot of links to previous posts in your new blog posts? If not, then this is something that you need to start doing right away. This encourages readers to click to your other posts, which will keep them on your website for longer, and will bring down the average bounce rate. A low bounce rate is something that you need if you want to attract big-name brands to collaborate with you.

Integrate Social Platforms:

It’s also necessary to integrate social platforms into your blog, as well. This means that you need social media buttons on your website to encourage readers to share the posts on their own profiles. The wider your posts get shared, then the bigger your audience will grow. It’s also a good idea to automate sharing to your own profiles whenever a post is published. This can be easily done by connecting your blog hosting account to your Facebook and Twitter accounts. Then, when a post is published on your blog, a link will be posted on your social media.

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Make sure to cross link!

It may take some time before your blog can be monetized, but making use of all of the tips in this post will set you off in the right direction. Good luck with it all in the future!

Featured Image By: Pexels