After Christmas, we can find that our bank accounts have diminished and now we are into the new year, we are probably slowing picking up again but you may never know when you might need some extra cash. It may be something as simple as needing a new part for your fridge that has stopped working or perhaps you need some Towbars to assist with your car. So here are some tips to ensure that you stay on top of your finances this year and learn to get saving:
1. Budget For Next Christmas
Start saving for even now for this coming Chrismtas. It sounds very dramatic and not necessary so early on in the year, but this will certainly be of huge benefit. This will help save money in the long run and you can do this by collect money in a little pot/fund, and let it accumulate over the months, which gives you a little bit to play around with. Look at what your bank offer in relation to offers and savings accounts which round off each penny to the nearest pound collecting it in a separate account. Over time, you could find yourself with a small amount to splash out on gifts for the people you love.
Don’t buy anything full price and go to look at all the sales, thrift stores and more because this will ensure that you don’t overspend. Be wise with the sales, and look for things you only really truly need, and this will ensure that you don’t keep tapping into funds just after the busy period. Most things can be bought on a budget and this is the best way to help save those extra pennies for when you may need them the most. Many thrift stores will also have sales too, as they will want to get rid of old stock and bring in new ones.
3. Leave It To The Professionals
Don’t let the worries of needing money get you down. It can be difficult to just forget that you have spent far too much and that you need to top your funds back up. Perhaps you have overspent on your credit card and you need to start paying back asap. Consider borrowing money and don’t fear your finances anymore. Borrowing money could seem scary but it’s important that you shop around and get the right deal for you with no interest rate. Some payday loans are certainly not good at all so look into what could work well for you.
Saving money is tricky, not many people have disposable income at the end of the month but it doesn’t mean you can’t learn to save a little and keep some extra for the little extras that we can take pleasure in. the more you save, the better you will become at it and soon enough you may have enough to take that break away in the summer sun! So start saving today!
We’re all looking for ways to save money and stick to our budget and usually, we start with the home. If you can find ways to reduce your energy bills in the home and spend less on maintenance, you’ll save yourself a lot of money. But have you ever thought about how much money you’re spending on the garden? Most people don’t but when you add it up, you’ll be surprised just how much it’s costing you to maintain your outside space. Luckily, you can do these simple things to save money around the garden.
Watering the garden is one of the biggest expenses, especially if you’ve got a lot of plants out there. It’s always a good idea to reduce your water usage for environmental reasons anyway, but it will also save you a lot of money out in the garden as well. The best thing to do is to plan your watering properly and only water when you actually need to. That means you should plan around the weather and let the rain do the hard work for you where possible. You should also look into drip irrigation systems that deliver water directly to the root and use way less water than a hose or sprinkler system.
As well as finding ways to cut the water that you use, you should start collecting rainwater as well because it won’t cost you anything. Get some water tanks out in the garden and you’ll see that they soon fill up in the winter. You should have more than enough water to look after all of your plants and it’s completely free.
Make Your Own Compost
Plants need good quality compost if they’re going to get the nutrients that they need to thrive, but it’s costing you money if you’re buying it every year. The thing is, there’s really no need because it’s not that hard to make your own compost out in the garden. You’ll just need to use food scraps from the kitchen so all you need to pay for is the compost bin and that’s it.
A lot of people don’t know about propagating plants which is a shame because it’s a great way to save money on buying new plants every year. When you propagate a plant, you split it and then replant it so that they multiply. That means you can buy a few plants and eventually fill the whole garden. If you learn how to propagate plants, you’ll save so much money on buying them in the future.
Use Citrus Peel For Pests
Getting rid of pests is important, otherwise, they’ll eat all of your plants. But you don’t need to be spending money on pesticides and slug repellent because there is a cheap natural alternative. Citrus peels contain chemicals that repel or kill pests so they can be used instead of your normal pesticide. That means you’re not putting potentially harmful chemicals out in the garden either.
You’d be surprised how much money you could save out in the garden by making these simple changes.
You hope that the worst case scenario should never happen and of course, for most of us it that will not, but every so often the unexpected can and will happen in life and that’s why being prepared for these unexpected situations is necessary for wherever you are.
You might suddenly find yourself facing a long term illness or in the middle of a situation where you require some professional advice, for example a legal dispute with an employee over employment terms or with a neighbour over land ownership. With any of these situations you want advice from the best and you want to make sure your money is going as far as it can for great results.
That’s why you’ll find everything you need in this guide on how to get the very best in legal advice when you need it most and what to look for when hiring a lawyer, whether that’s for something for work or for when you’re in need of a divorce lawyer. We take a look at what makes the best legal representation for your very individual situation and and some of the pitfalls you’ll need to avoid. Whatever your legal needs are you’ll find the lowdown on hiring right here.
Word Of Mouth
Who’s on the grapevine as being the best in the business? Once you start looking for someone to represent you, you soon start hearing from everyone, from the local postman to the receptionist at the gym about someone they’ve used or heard about from a friend. Take a note of these names, if one or two keep cropping up then it may be worth getting in touch for an initial consultation.
Ask your friends, family and fellow professionals for some recommendations too, having a personal introduction can help oil the wheels and make the process of appointing someone a whole lot easier.
Read reviews online and find out their success rate, which should be a matter of public record. You’ll also want to make sure that the lawyer is someone who specialises in your particular issue, rather than a general practitioner.
Take your time in in finding the very best in advice and in finding someone you feel can handle your case and all the complexities that go with it. You may need to talk to one or two or even more lawyers before you decide on appointing someone, and depending on the size of your case they may be able to handle it solo or need some help from someone else in their firm. Make sure you know all the details of how this will work before you sign up.
If you’re worried about wasting your time and money on initial consultations that don’t lead anywhere, most lawyers will give you enough time to explain their case, around 15-30 minutes, before they start charging by the hour, so make sure to go in fully prepared with the facts of your case and any questions you might have.
As mentioned up post if you’re interested in one particular firm, then you should be able to find out a fair amount about them from the public record. You will be able to see the success rate of the individual lawyer and how well they are rated by individual clients.
If the practice has several lawyers, find out which one seems to have more experience in your particular type of case and ask to meet with them first rather than someone you just find yourself assigned to. You need to know that your case will be taken seriously and if you are going to be able to strike up good communication with whoever is taking it on.
You’re going to need someone experienced and yet hungry to make a win. If you feel that your lawyer is too laid back or gives the impression that they’ve seen it all, failing to reassure you then avoid this lawyer.
Similarly, avoid anyone that promises you a big win. Instead find someone who is measured and calm and who you feel can be honest with you about how the case will run and what the chances are of it going the way you want. Find that right mix of determination and level-headedness and you’ll have someone fighting your corner who stands every chance of winning your case for you. If the worst does happen and you do lose, then with the right lawyer you’ll know they tried their best and that the loss wasn’t through lack of trying.
The one thing we would say is that lawyers don’t come cheap so whether the matter is personal or professional you’ll want to have a very realistic picture of how much this service is going to cost you overall.
A lawyer usually charges clients by the hour though you may find some will offer a flat fee or even be happy to wait until the end of the case and collect a percentage of any damages and their legal fees if paid by the opposition. Make sure you are very clear with your legal representative on how the fee charging process will work and even let them know your top end of the budget.
You may well have room to compromise with something like an upfront payment to start out with and then the rest coming in the form of a successful pay out. This will depend on how confident your lawyer is of the case going in your favour. You might also want to explore the possibility of legal aid and legal loans to cover the ongoing expenses.
The money can very quickly disappear so keep on top of your billing as you move through the consultation to trial proceedings.
Moving Into Your First Apartment? The Guide For Millennials
At some stage of our lives, we all have to fly the nest and spread our wings in our own place. While it may be comfortable and cheap to live with mum and dad, we do need to start standing on our own two feet at some point. Which means that for many of us, we need to start making some very big life decisions. This could mean managing your finances a little better and be making some important decisions about how you spend your money. It might mean taking more interest in the long-term of your career and what the future might hold for you. Or simply it could mean that you start to live on your own.
There are many stages of our lives that this sort of change could start to dominate. You may be on your way to study at a university where you live in a different town or part of the country. You may have been promoted with work and your career so re-location could be on the cards. Or perhaps you feel that the time is right to live on your own and be independent. Whatever has brought you to this decision, apartment living could be the answer. Which is why I thought I would share with you some of the steps you can take to moving into your first apartment.
Signing a lease or getting a mortgage proposal are two of the things we can all be eager to rush into, depending on what you want to do. But it is important to make sure you do some life admin before taking such a big step. This helps you to avoid any issues in the future in regards to debt, finances or your lifestyle.
Have enough money to do it
It may be something you are desperate to do, but before taking that big leap of faith, you need to take a step back and really ensure you have enough money to do it. What are your current outgoings like? Can you afford the extra expenditure? What about the state of your savings? Do you even have any? All of these things are important to consider as renting or buying a place is a big financial responsibility.
Once you have really sweated over the financials and the logistics side of things, now can come part of the fun. Deciding and finding the right place to settle and put down your own roots.
First up, look into the location of where you may want to live. You need to consider a few different things before settling on the right place. Start off with considering your commute to your workplace. Are there any decent public transport links? Can you make it into work in good time? Then you may want to think about how you spend your spare time. Do you like heading into your local town for nights out? Are bars and restaurants and a social scene important to you? Working all of this out will help you to determine the very best location to spend your days.
The style of property
One of the things you need to consider is the type of property you want to be living in. Apartments come in many different shapes, sizes and styles. You could be finding a shophouse for rent or looking buy an apartment in a big tall building. It will all depend on where you look to buy or rent, the location, and the type of properties that are readily available to you. The style of property can be determined by your budget. You may not be able to afford a penthouse with dramatic views, but perhaps something similar a little further out will fit in the budget. Try and be open-minded and look at all sorts of options.
One of the biggest decisions you might want to make is to whether you rent or buy. Of course, your budget may be determining the answer to this dilemma already but here’s what to think about. Firstly, you may want to think about a trial basis for a certain location and type of place, which means renting could be the ideal opportunity. You may want to think about trying it out in regards to the expenditure, and leasing for a short-term could give you the taste of independent living you crave. If in doubt, speak to a financial advisor who can advise how your financial situation could be affected or what you may be able to afford.
How are you planning on furnishing the apartment?
You need to be considering exactly how you plan on furnishing the apartment. There are plenty of options that you could be considering. What you have to remember is that you don’t need to be investing in expensive or state of the art things. Start off with the basics. A chair or sofa to sit on, a bed and some storage for clothing. The essential kitchen items you need such as a kettle and toaster. Then all the smaller items that get you by such as plates, cups, glasses and cutlery will need to be bought and paid for.
Furnished or unfurnished?
However, you might want to think about whether you choose an unfurnished or furnished apartment. This tends to be a choice if you are deciding to choose a rental option, and could save you a fortune of outgoings for your first place. Furnished properties vary in regards to what they have in them. You may find that some are fully kitted out with everything you could possibly need, but bare in mind you could be paying for the privilege in your monthly rent. Others are more basic with just offering the larger and more expensive purchases you would have to make. Which ever you decide, make sure you think about what option would be best for your right now. Renting especially may not be your long-term position with a property. But the things you own and put in the place, are yours to keep.
When you first start looking, and you find a suitable place that isn’t furnished, now comes the time to consider furnishing it with furniture. You don’t need to be going out and buying expensive things, especially as your first place. Things like beds and sofas are investment pieces so you will need to build up to it and buy things as and when you can afford them. You could be really frugal and choose to look in charity shops or online on websites like eBay. Buying second-hand furniture could be a great way to save money on what can already be an expensive move.
What other things do you need to think about?
Finally, you need to start thinking about the other expenses you will have to protect not only yourself but also your property. For example, when you rent a property the building isn’t necessarily your responsibility, so people think that insurance isn’t relevant, but you still need to think about your contents and items. Other things to think about would be to be a little more savvy with your outgoings. Meal planning and filling up the fridge rather than eating out or take a-ways could be the way forward once you are in your own place. It may save you a hefty amount each week.
I hope these steps help you when moving into your first apartment.