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Author Archives: Glasses or Contacts

Living on a Budget

Today we have a guest post that can help our UK readers estimate how living on a budget can help them get ahead financially. Enjoy! In 2015, the minimum monthly household expenses for a UK region was an appalling £427.50; with the largest sum being £616.30 in Greater London. Clearly our expenses are getting the better of us, so it’s about time we reined in the unnecessary spending and started setting weekly, monthly and yearly limits. However, if you’re unsure on how to approach your cost cutting, read this simple guide on how to live well whilst saving well. Planning Your first task towards a more cost effective life is to create a budget plan that clearly outlines your current overheads; this will make figuring out A) how much you are spending and B) what’s costing you the most much easier. Do not start budgeting unless you have answered this essential criteria – it’s not something than can be done overnight as you’re essentially changing the lifestyle you’ve become accustomed to. You could produce this in an Excel spreadsheet for better organization. Goals You’ve gathered all the relevant information – great, now you can initiate the next phase, setting goals. ...

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How to Save on Travel Expenses

Contrary to popular opinion, holidays don’t have to be a money-gobbling venture that will leave you living on a stringent budget for weeks afterwards. With a combination of open-mindedness and thinking ahead, there are many ways you can save on costs when you go abroad. Ready to start enjoying your travels for less? Here are some of our top tips to help you cut expenses on your next vacation. Go All Inclusive The upfront cost of an all inclusive holiday may not feel like you’re saving money, but in the long run, it makes budgeting a lot easier. Food, drinks, accommodation and even many of your activities will already be covered before you arrive. As a result, you can fully enjoy your holiday without worrying about how much each day is going to cost. With all inclusive, you can set an upper limit for your trip and actually stick to it. Be flexible Flexibility is key to bagging an amazing holiday deal. This means you should stay open to different options surrounding both where and when to go. You might have had your mind set on the Algarve, but who’s to say you won’t have just as good a time on ...

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How a Loan Can Make Your Business Grow

Just like all other companies, small business owners need working capital to manage operating expenses, buy new inventory, and invest in new business equipment, marketing campaigns, or other opportunities for future growth. Unfortunately, the traditional model of bank lending does not always deliver the types of small business loans that many business owners need – especially if the business is relatively new (without a track record of sales revenue) or if the business owner has less than perfect credit. Additionally, many online businesses find that their online sales, social media presence and other metrics of success are often ignored or unrecognized by the traditional bank lending process – there are more ways to evaluate a business’s creditworthiness than a credit score alone, and many viable, successful small businesses are finding themselves overlooked by traditional banks’ small business lending. There are many reasons why online loans are becoming a rising force in the world of small business lending. Online loans are more flexible, more technologically up-to-date, and better suited to many of the needs of small businesses than a traditional small bank loan. Filling the Gap in Small Business Lending According to research cited by the Wall Street Journal, even though ...

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Effective Ways to Reduce Home Energy Spending

Most homeowners know the routine: with every new year comes higher utility bills. We want to blame the people we write the checks to, or the politicians writing laws making providers spend more. To some extent, this is a fair reaction. However, the path to lowering our energy bills is as much a matter of personal choices as it is a seemingly complex issue out of our hands. There are effective ways to reduce energy spending, the following examples show: Pick a provider Many people live in deregulated energy markets and don’t even know it. Or they know it and aren’t sure what it means. In short, you have a choice in your energy provider. Sites like Electricity Match can be used to find the lowest electricity rate in your area. A cent here and there may seem like chump change but over time, the savings on kilowatts per hour adds up. It doesn’t take much more than about 10 minutes online and maybe a phone call to start saving on energy. Optimize Regarding the savings of CFLs, debate rages. Experience leads us to believe CFLs don’t last nearly as long as advertised. However, many readers responded by saying they ...

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Mortgages Needs to Vary According to Stages Of Life

Owning a home is one of the biggest things transitions people make during adulthood. Naturally, people have to work diligently to be able to afford the home they want. They need to save for years while paying down there debt and maintaining a decent credit score. People who have a clean financial history still end up getting rejected for a mortgage because they didn’t put enough work into building their credit. A person has to have a foundation of credit they could use to prove their responsible enough to become a homeowner. Before deciding on which home to purchase, work has to be done to determine what will happen later on in life as the investment matures. To read more about the benefits associated with downsizing your home, you should read the following article. Figuring out which home is yours is something that requires making a partnership with the right company. Flagship Financial Group is just that company. To read more about them, be sure to read the information provided through this link. This company is steeped in a tradition of helping customers get exactly what they want out of their financial aspirations. They work with everyone who comes to ...

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