Tag Archives: money

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:

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

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7 Causes Of Stress And What You Can Do About Them

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7 Causes Of Stress And What You Can Do About Them

Stress is frighteningly familiar in modern life. Most of us report to feeling at least a little stressed out some of the time. And it’s easy to see why. We’re trying to take on the world. We’re encouraged to believe that we can do everything, and so we want to do everything. We want to have careers and push ourselves professionally, but we also want to raise our families and be there for the people that we love. Many of us also have side hustles or home businesses to help us make more money or give us an outlet for our creativity.

We’re trying to take care of ourselves, often reading contradictory advice and never quite knowing what to do. Many of us face a long and stressful commute, and while working for yourself can seem like the ideal solution to stress, many people that do report never taking full days off, and not having had vacations for over a year.

While a little stress is quite normal, and something that most of us can manage, it can be much worse. Too much stress can lead to insomnia and other sleep disorders, mental health issues, depression, and even physical symptoms. Stress can affect your relationships, your confidence, and your performance at work. It can leave you feeling lost, without any clear idea of how to move forward and it can mean that your mind begins to age prematurely.

That’s why it’s so crucial that you don’t just put up with stress, but that you take the time to understand what is causing you to feel that way so that you can reduce stressful situations, find ways to manage it or avoid it altogether, and learn how to let it go. Here are some of the most common causes of stress and some ideas of what you can do to beat it:

Work Worries:

Work is one of the most common causes of stress. We worry about our projects, getting promotions, pleasing our boss or our colleagues, doing the right thing for our clients, and doing well. We worry about situations that haven’t gone well or things that we don’t understand. We spend late nights awake worrying about the next day, not wanting to go to work, or replaying something that has happened the previous day.

Unfortunately, most of us don’t have the option to change our jobs whenever we’re feeling stressed out. But, that doesn’t mean that you have to put up with it, either. Ask yourself what it is about the job that is causing you to feel stressed out? Could you make changes? Could your manager help? Or, is it worth looking for other careers or positions that could help you to avoid situations that you find stressful.

Anxiety:

We all face anxiety. For some of us, it’s just the normal anxiety that comes with situations that make us feel nervous. It might not stop you from doing things or cause you great upset. You might just feel butterflies before doing something that you are nervous about. But, for other people, anxiety is much more than this.

Their anxiety stops them from doing things. It might mean that they can’t enjoy their lives or that they can’t even leave their house. Anxiety can cause panic attacks, high blood pressure, and other conditions. It can be a severe illness. It should be no surprise that if you suffer from this kind of anxiety, your stress levels could also be high. The two work together. Anxiety causes stress, which makes anxiety worse, and it’s easy to get trapped in a terrible cycle.

Unfortunately, there’s no easy escape from anxiety. You may find coping mechanisms and relaxation techniques helpful, but if your anxiety is severe, you should speak to a professional for help.

Family Politics:

Your family should be a positive force in your life. But, we don’t automatically like, or agree with the people that we are related to. Family politics often causes us to feel stress. You might find yourself desperately avoiding taking sides or trying to avoid family altogether, which can cause upset and tension.

Sometimes, the best way to reduce the stress caused by family issues is to avoid them entirely. If the argument isn’t your own, remove yourself from the situation and let them sort it out. Spend time with your friends and family members that make you feel positive, instead. Remember, you don’t have to spend time with them or even like them. Don’t be afraid to cut contact with family members if they are having a negative influence on your life.

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Pixabay Image

Money Problems:

Most of us have money worries. We live paycheck to paycheck. We’re always looking for ways to make extra money, unexpected expenses can be crippling, and we’re terrified of having to take time off causing a loss of income. These money worries are made worse by Christmas and other expensive events.

Often, the best way to reduce this kind of stress is talking about your concerns. Speak to friends and family members, share your worries, and ask for advice. Or, speak to a financial advisor. Usually, the situation isn’t as bad as we fear, we’ve got more options than we thought, and our financial worries are eased by merely having a plan to improve our finances.

Health Concerns:

Worrying about your health is exceptionally stressful. Yet many of us would rather worry about our symptoms and concerns than getting them checked out. If you are worried because your lifestyle isn’t particularly healthy, make some positive changes to take care of yourself. If you have a symptom that is worrying you, make an appointment to get it checked out as soon as you can. It’s worth it, even if it just puts your mind at ease.

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Pixabay Image

Hormonal Changes:

If you are feeling stressed out and there are no apparent reasons, it might be due to a hormonal change or imbalance. Contraception methods, our diets, how much sleep we’re getting, our environment, and stress itself can all affect our hormones, and it’s typical for things to change over time. A serious imbalance can mean that you don’t feel yourself; you are tired and suffering from mood swings. Your appetite might change, along with physical symptoms, and your stress levels can rise, both due to hormone changes and the symptoms that they cause.

Try to eat a balanced diet, look at any artificial hormones you might be putting into your body, and identify any changes which might be causing an imbalance.

Significant Changes or Major Life Events:

We don’t like change. It worries us. We think about everything that could go wrong and all the ways that even a small change will affect our day to day life. You can’t, and shouldn’t, avoid all changes. But, you can prepare for them, take things slowly, and allow yourself a period of adjustment.

Major life events are also stressful. Weddings, birthdays, moving house, big family holidays, Christmas, and any other occasion where you need to plan a lot and spend a lot of money is stressful. The best way to deal with this is to ask for help and learn how to delegate tasks to other people as well as making a plan to spend money responsibly.

Stress can have a major impact on our life but it doesn’t have to. Figure out what is causing you stress in your life and make healthy changes to improve the problem.

Featured Image By: Pixabay

Three Simple Home Improvement Projects That Increase Market Value

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Three Simple Home Improvement Projects That Increase Market Value

Unless you’re a real estate pro, you might not know how to get the best return on your investment when the time comes to sell your home. For example, did you know that your home could sell for significantly more if you spend a little extra time and money on a few simple improvements? While it may seem counter intuitive to invest money and time into a home you wish to get off your hands, a couple of choice updates and additions to your property could give you a decent return on your investment:

Invest in Exterior Features:

While a home’s exterior features such as the garden, garage, swimming pool, roof, and gutters may seem less important than the interior, ensuring that these features are both operational and attractive to the eye is a great way to add value to your home. Keeping your garden and lawn well maintained will leave a strong impression on any potential buyers who turn up for your viewings.

There may be a lot of work on the exterior of your property that you can do yourself, like painting and cleaning gutters. Larger additions will need to be handled by experts who can ensure that installations are done according to spec. For example, a high-quality water tank can be a strong selling point. Tank Direct is a fantastic option for your water tank requirements. A fresh and well-maintained exterior is a useful way to help a potential buyer imagine the lifestyle their family might enjoy, should they buy the property and move in.

Get Those Repairs Taken Care Of:

While you might imagine that getting your bigger projects done (like a bathroom remodel or retileing the kitchen backsplash) would be more attractive to potential buyers, it’s crucial to put these jobs on hold until any necessary structural repairs have been completed. These will make a tremendous difference when it comes time to put your property on the market. If you don’t, you risk your buyers being too distracted by the leaky ceiling or the odor of mold to even notice the fancy additions like new tiles. Before you get started on those more exciting beautiful additions to your home, make sure you sort out your repairs, whether it’s electrical, plumbing, or structural.

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Pexels CC0 Licence

Update The Heating System:

If you install a modern central-heating system in your house or give the existing system a comprehensive update, you’re almost certainly going to enhance your home’s value. Older properties such as Victorian houses are charming in many ways, but your potential buyer won’t be charmed by a chilly walk down the hallway as they try to imagine their life in their future home.

Some newer homes come equipped with somewhat dated heating systems that don’t provide enough warmth, and can cost a lot to run. Updating the old system should prove highly attractive to a potential buyer. An extra bonus you get when you add a new heating system to your home is that if you don’t end up selling the property right away, you will save money and stay warmer while you wait for the right buyer to come along.

Whether you’re listing your property in the near future or you’re planning to sell one of these days, these updates are sure to boost the value of your house!

Featured Image By: Pexels CC0 Licence

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.

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.

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. 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

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.

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.

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.

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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.

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.

Improvements That Could Increase The Value Of Your Home

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Improvements That Could Increase The Value Of Your Home

Are you looking for ways to improve your home, but aren’t sure where to start? Making improvements to your home can be extremely satisfying and you can customize it all to your liking. If you are on a limited budget, it can be hard to know which parts of your home should be prioritized when carrying out a renovation. If you are looking for improvements that will help to add some extra value to your home and, potentially make it more appealing to future buyers, these ideas should help:

Replace Your Windows and Doors:

Your home’s windows and doors are one of the first things that people will notice about your house; as they are one of the most prominent features on your home’s exterior. Over time, windows and doors are subjected to the elements and have to withstand everything from heavy snowstorms to the hot sun beating down onto them. It’s little wonder that every now and again it is a good idea to get your windows and doors replaced. As windows and doors are such an integral part of your home and perform such an important role, it is vital to choose replacement windows and doors which are well-made and of the highest quality. Mr. Rogers Windows and Doors offers a fantastic range of replacement windows and doors, which are sure to improve the appearance of any home.

Convert Your Loft:

Your loft is a part of the house that has enormous potential. If your attic is currently being used as a storage area, then why not bring it to life and get some real use out of it? Your loft offers endless opportunities for use as an extra living space in your home. Using your loft space to add extra bedrooms and bathrooms can really increase the value of your home, and make it all the more appealing to potential buyers. If you have no immediate plans to sell your home, a loft conversion still has its benefits. All the extra living space that you create makes a perfect place for guests to stay and is ideal if your family is still growing.

Update Your Kitchen:

Changing your kitchen can be a large project to undertake, but it is totally worth it when complete. The kitchen is the heart of the home, so making it a space that is as attractive as it is functional is important. Kitchen renovations can be super expensive, but you can adjust your makeover plans to suit your budget, and still make a big difference to the way your kitchen looks. If you are on a tight budget but still want to change things up, why not simply change the doors and worktops, instead? Replacing the doors and worktops may be cost-effective but can still make a dramatic difference to the overall look of the room.

If you fancy going all-out on redesigning your new kitchen, then you may decide to gut it entirely and start again from scratch. Going back to basics means that you are able to utilize the space better and get the kitchen exactly how you would like it. Additions such as high-end integrated appliances, attractive tiles, and kitchen islands can really help to add value to your home.

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Naomi Hébert on Unsplash

Renovate Your Bathroom:

Alongside the kitchen, the bathroom is the other room in your home that usually costs the most to improve. Due to the costs involved, a beautiful bathroom can have a really positive impact on your home’s value along with how much it appeals to potential buyers. If you have a small bathroom, you may look for ways to redesign it so that it appears bigger and less cramped. This can be achieved by installing a corner bath and corner sink so that less of the floor space is taken up, and every part of the room is utilized.

Be mindful of your budget, make a plan, and soon your house will be feeling brand new with an increased property value, to boot!

Featured Image By: Pixabay