Revamp Your Budget: Five Places You’re Probably Overspending

On the surface, you might think your spending is pretty good. You don’t going out all the time, you don’t go on big shopping sprees or treat yourself to lots of luxuries. However, if most of us look at our budget, it’s easy to spot areas where we’re spending well over the odds. Often, making a few simple changes can save you lots of money, and when it’s so hard earned, rather it be in your pocket than wasted on something you’re unaware of! Here are five places in your budget to assess.

Groceries

It’s no secret that most of us overspend on groceries. We buy things we don’t need, and we let too much fresh food go to waste. We spend money on big brands when many times, the less expensive brand is just as good. Save yourself money by writing a weekly food menu, and from there work out the ingredients you will need to buy for these specific meals. It stops you from being sucked in by deals you don’t need and buying ingredients with no plan of how you’re going to use them, leaving them to go bad in the fridge. Another way most of us can save money on food is to limit takeaways. It’s nice to have hot tasty food delivered when you’ve had a busy day but not only is it unhealthy but expensive too. If you’re guilty of buying your lunch every day at work and stopping at coffee shops every day, bringing your own food and drinks with you could save you a small fortune.

Socializing

It’s easy to overspend when you’re out socializing. Rounds of drinks for friends, restaurant food, taxis and even money spent on things like clothes to wear to go out in can all really add up. Set yourself a budget for socializing and stick with it. Explore less expensive venues, or hosts evenings at home which will be less expensive. Seeing friends is so important, but you don’t have to break the bank every time you go out. See if there are vouchers and coupons for restaurants, or start the evening at home having a few drinks before heading to the bar later on. You’ll save money overall.

link

Utility bills

You might feel like utility bills are pretty fixed, and there’s not all that much you can do about them. However, this simply isn’t the case. Different companies will give you different rates so it’s always worth checking. Price comparison sites will allow you to quickly and easily check for the best prices and you can easily make the switch once you’ve found the cheapest company. Gas and electricity, phone bills, water and internet bills are all utilities that are worth running comparisons on to make sure you’re not spending too much.

Travel and transport

If you own a car, are you getting the very best price on your insurance? Companies like Insurance Doctor can help you check, sometimes saving you as much as fifty percent. One mistake lots of people make is accepting their insurance renewal quote each year without checking if they’re getting the best deal. Another way you could save on travel and transport is to walk or cycle more instead of using public transport or driving. As well as save money you’ll also benefit your health too. If you already have another car in your household, for example owned by your partner, then decide if you need one too. Could you share a vehicle? Could you survive without a car if you only ever drive short journeys? You’ll save yourself on tax, insurance and repairs costs. If you use public transport a lot then check if a season or monthly pass would work out cheaper than daily fares.

Debt

It’s expensive being in debt. Every month that you carry a balance on a loan, credit card or store card, interest is being added. So not only do you end up paying for the original amount that you borrowed, but it could end up being hundreds (in some case, thousands) on top. One of the very best things you can do for your finances is get out of debt. Sell things you don’t need to raise money, take on extra shifts at work and if you have a side hustle then you could do this in your spare time. Freelancing sites always have work available and you can take on as much as you can to earn some extra cash. Cut back luxuries for a while and save all the money you can to pay off your debt.

Contributed Post.

If you like what you’ve read here, please let others know of this post, blog, and site.

And thanks for reading!  🙂

The Sophisticated Home You’ve Always Dreamed of in 5 Fabulous Stages

When you look online at the dreamy mansions owned by celebrities you feel in awe at how they manage to decorate the place so beautifully. You have always had a keen eye for interior design and your love for it isn’t going away. Whether you want to get the kitchen you’ve always wanted or find a way to turn your living room into a luxury living space, you can finally have the sophisticated home you have always dreamed of. Grab some inspiration from some of your favourite places, explore your interior design options and follow these five fabulous stages to transform your feeble home into a fabulous one.

  1. Save up The Money

Everyone needs money to start off their dream interior design project. Perhaps you have been trying to save up for a while but you have had no luck so far; you should take a look at www.snappypaydayloans.com for more information on getting money quickly and efficiently. If you’re in a hurry to complete your design project, then this would be the perfect way to boost your budget smoothly and swiftly.

Image

  1. Target the First Room

You don’t want your ideas to take over the entire house all at once like a sudden bombshell. Target one room at a time so that you cause as little disruption as possible to your day to day routine. You should try and think about the room that is going to take the longest to complete; this is the one you should target first of all. Kitchens and bathrooms are arguably two of the most important rooms in the house and you need to plan carefully if they are going to be out of action for a couple of weeks.

  1. Pull Together Inspiration

Once you know which room you are going to decorate first, you can start to gather some ideas together from a variety of different places. Whether you start up an inspiring Pinterest board or you cut out some ideas from magazines, once you have a vague idea of your style and décor you will be able to put them into action. Consider colour schemes, accessories and special touches to make your designs truly unique compared to anybody else’s.

  1. Make the Final Decisions

Narrow down your inspiration board into a clear and concise set of ideas that you can finally decide upon. You might need to consider your budget at a time like this; if your ideas are turning into something a little too extravagant and out of your budget then you might need to opt for the choices that are more affordable. Find some cost cutting methods before you start putting any of your ideas into action.

  1. Put the Plan into Play & Accessorize

Transfer your ideas from paper to person and enjoy the process of picking out fabulous accessories to match. Your dream home will be finished in a flash and you will no longer need to lust after the mansions in the glossy magazines.

Contributed Post.

If you like what you’ve read here, please let others know of this post, blog, and site.

And thanks for reading!  🙂

Say ‘No’ To Unemployment: Actionable Steps You Can Take Today

(image)

Unemployment sucks!

While you do get longer mornings in bed and free money from the benefits office, you also have less money in your pockets to do what you want, and a lack of focus to your day.

But here’s the thing. If you have been out of work for a while, or are new to the world of unemployment, there are actionable steps you can take to get back into the world of work. You’re not unemployable, so no matter how despondent you feel, use today to better your chances.

  1. Get out of bed! Don’t let a lack of motivation and despondency beat you. If you want a job, you need to take the first step, and that’s out of your lazy pit.

 

  1. Get ready for the day. You have a long day ahead of you, so rather than slump in your pajamas in front of the television, do something that will give you energy to motivate you to look for work. Go for a walk, eat a decent breakfast, get a shower, and get dressed into something reasonably smart.

 

  1. Look at your resumé  You need to hand this in (or email) to employers, so give it the once over to ensure it has all the necessary sections filled in and that it is up to date. There are ways you can improve your resumé if it is lacking in any areas, so check out this very useful infographic to help you.

 

  1. Look online. Visit all of the job sites you usually peruse, and pick out any jobs that appear relevant to you. Ensure you have the skills and training necessary if you wish to apply, and then tailor your resumé to fit each. This will show the employer you have done your homework, as a generic resumé will rarely get you very far.

 

  1. Write an effective covering letter. Again, don’t write a generic letter and send it to every employer you approach. Check out these tips, and follow all of the advice given to you. The more personal you can make your letter, the better! With that done, email your resumé and letter, and hope for the best.

 

BUT DON’T STOP THERE!!

Don’t assume your work is done for the day. Consider the following!

  1. Consider training. There may be ways that you can improve your employability, so considering the free time you may have in the days and weeks ahead, look for any training courses that may be available to you. From forklift training if you’re interested in construction, to catering courses if you are looking to get into the food industry, give them serious consideration, as extra qualifications may be vital for those jobs you would like to apply for, but haven’t so far been able to!

 

  1. Consider voluntary work. Another way to improve your employability is to take on some kind of voluntary work. Not only will this help you get jobs you are particularly interested in, it will also give you some incentive to get out of bed in the morning. So, as well as researching available courses, look at the voluntary opportunities near you, and in both cases, contact the relevant people to find out more

 

  1. And do anything else that will improve your chances. If you still have free time in the day, there are other things you can do. Practice your interview technique, network at a job fair, improve your social media profile (employers do check them), and visit employers directly with your resumé in hand. In short, don’t waste your day doing nothing very much. Do all you can today to get back into employment.

Thanks for reading!

Contributed Post.

If you like what you’ve read here, please let others know of this post, blog, and site.

And thanks for reading!  🙂

Want To Start A Business? What’s Stopping You?

Image Source

Many people think about starting their own business, but very few people actually follow through and do it. If you’ve been considering starting a business, now could be the time to stop making excuses. Here are just a few of the common excuses that stop people following their entrepreneurial dreams…

‘I can’t afford it’

Starting a business can be expensive and many people can’t afford to pay for it out of their own pocket. It’s for this reason that business loans exist – many successful companies have been started by taking out a business loan and many lenders are willing to give out thousands. There’s also the option of seeking investment, which involves offering shares in profits in exchange for funding from investors. Meanwhile, for those that want to avoid debt or giving away shares, it’s always possible to save up the money in a high interest business savings account. All in all, there are lots of funding for those that can’t afford to start their business.

‘I don’t have the time’

Another common excuse that people make for not starting a business is not having the time. Whilst you may have other commitments to handle, these needn’t get in the way of your business dreams – many people have started businesses whilst raising children and even working full time jobs in order to maintain a steady income in the beginning. Running a business is something that can be done flexibly – you have the power to set your own hours and you can always hire staff to fill in times that you can’t work due to other commitments.

‘I don’t have any business skills’

A lot of entrepreneurs begin with little or no business know-how. Fortunately, it’s something that you can learn on the job. There are plenty of business books, blogs and courses that can help you to develop leadership skills, organisation skills and various other skills. You can also hire advisors to help you with legal, financial and technological elements of your business.

‘I don’t have a business idea’

Alternatively, you may have the business skills but no business model. In these cases, there’s always the option of buying a franchise. This involves starting up a company with an already established brand. You’ll find franchises such as these senior care franchise opportunities advertised online. Franchises can offer more financial security and you won’t have to invest as much money into marketing.

‘I’m worried it will fail’

Your business won’t fail if you’re determined enough to make it succeed. Some people fear the lack of a steady income, but as stated already it’s possible to work another job and run a business. As for your business model, you can always alter it if you think it isn’t working for you. A big part of achieving positive results is thinking positive, so stop thinking the worst and take your shot at starting a business.

Contributed Post.

If you like what you’ve read here, please let others know of this post, blog, and site.

And thanks for reading!  🙂

Your Business May Be Your Baby, But Are You Too Close To Give It What It Needs?

It’s easy to become blind when you’re too close to something. Parents experience this all the time. Their children grow, but they still seem them as babies. Writers experience this, too. Many have to set pieces aside for upwards of six months before the can spot errors. These are typical issues, and we all miss what’s in front of us from time to time.

The trouble is, this harmless habit can become an issue when it comes to business. As with a child, you’ve been with your business from day one. You’ve watched it grow, and you’ve probably spent every day with it since conception. That’s a lovely thing, but it can also lead to blindness where it matters. The needs of your company change as it grows just as much as the needs of a child do. If you don’t spot that, you could fast find yourself struggling.

This matter gets worse when you consider that most of us are blind to our blindness. If you recognized there was an issue, there wouldn’t be one. Hence why, in some cases, it can be best to bring an outside eye into proceedings. This may be a long-term outsourced service or a one-off helping hand. Either way, let’s consider the reasons this could help.

You won’t see what you need when you’re too close

A parent may miss the fact their child needs new clothes because they’re too close. And, a business owner may miss the fact they need to alter operations for the same reason. Either way, an outside eye could help. School teachers may point out the need for replacement shoes. And, an outside company could point out your need for a shift in business. If your current tech isn’t working, an IT consulting company could be the answer for finding workable alternatives. If your office decor isn’t promoting productivity, an interior decorating company could solve the problem. You get the idea. By letting outside companies in, you can iron issues you weren’t even aware of.

Pexels Image

You won’t want to kill your darlings

William Faulkner stated that a writer must kill their darlings. That advice stands when it comes to business. We all have team members who mean a lot, even if they don’t bring much to operations. We all have ways of working we take comfort from, even if they aren’t great for productivity. And, for obvious reasons, you’ll want to keep your employees and comfortable ways of working. But, when you come down to it, these are the darlings Faulkner meant. With these things in place, your company will fail to achieve greatness. The trouble is, if it’s left to you, you may never have the strength to kill them. Hence why it’s worth bringing in outside HR and IT departments who can kill darlings for you. Or, at least strongly advise you to let them do so. It’ll hurt, but your business will forever be better for it. And that’s what this whole thing is about.

Contributed Post.

If you like what you’ve read here, please let others know of this post, blog, and site.

And thanks for reading!  🙂

Get The Kitchen You’ve Always Wanted

Do you feel like your kitchen needs some attention at the moment? Would you like to renovate your cooking and food preparation space to ensure it looks fantastic and functions as it should? Then you’ve come to the right place today because this in-depth article will help to draw your attention towards some of the ways in which you could achieve that goal. Use this post as the starting point for your research, and continue looking for more suggestions once you leave this site. That is the best way to guarantee you leave no stone unturned and use your budget to its full potential. When all’s said and done; you’re going to feel pretty annoyed if you overlook something vital and run out of money before you realize. So, read this article and include the tips in your plan!

Link

Let some natural light into the space

There are a couple of ways in which you could increase the amount of natural light in your kitchen space. It all depends on how much you’re willing to spend, and the size and shape of your home. In most instances, it is sensible to consider knocking some of the exterior wall away and installing some patio doors. That is an excellent move because it should ensure you get lots of sun rays coming into your kitchen, and you can also open the doors when you’re cooking to prevent smoke or unwanted smells. Of course, you need to get in touch with professionals if you want patio doors because installation on your own could become quite dangerous. Still, the job should not break the bank, and there are plenty of experts in your hometown you could call.

 

Link

Replace your cooker and fridge

Your cooker and fridge are the two most used items in your functional kitchen, and so it makes sense to replace them during your renovation job. Make sure you remember that old fridges contain harmful gasses, and so you need to dispose of them correctly to ensure you don’t damage the environment or get into trouble. With that in mind, it makes sense to call professionals and pay them to take the item away. If you need to find the best deal on a new fridge or cooker, make sure you search online because it is possible to get whatever you need at knockdown prices. Ensure you get the installation people to hook your stove up because you don’t want to mess around with gas unless you know what you’re doing. Your kitchen will begin to look better almost instantly!

Link

Install some luxury countertops

There are lots of ways in which you could add something special to your kitchen, but the most sensible involves replacing the countertops. If you need to keep costs down; you can replace the countertops without replacing the entire units. However, you might want to sand them down and add a fresh coat of something. Search online for the most beautiful countertops you can find, take some measurements, and then get in touch with your chosen brand. Let them know the sizes you require, and those people should come back to you with a quote. Again, you’re going to need professional help when it comes to installing the countertops because granite and marble are both heavy stones.

Link

Consider the latest tech

Lots of people renovating their kitchens this year will choose to take a look at some of the latest technology. New gadgets reach the market every day, and so there are lots of things you could purchase for your cooking space. For instance, lots of people have blenders and smoothie makers these days. They can help to ensure your family always has access to fresh fruit drinks among other things. However, you might like to go a step further and invest in remote dimmer switches, intelligent cooking tools, and more. Search Google for something like “latest kitchen tech,” and then take a look at some of the products and websites listed on the first page. You are sure to see something that tickles your fancy.

Link

Lay some new flooring tiles

Lots of people argue about the best flooring solution for kitchens. We can all agree that carper is not a wise move. It will become greasy and dirty in a matter of days, and it is going to make the entire room smell of cooking 24/7. With that in mind, you might be tempted to consider laminate flooring. However, with so many temperature changes in the space every day, there is a reasonable chance the wood will warp or become damaged by condensation at some point. Thus, the best option on the table is always to lay some new flooring tiles. You can get them online or from your local kitchen specialist, and that solution should last for many years if you clean the tiles and keep them in excellent condition.

Link

Paint in light and bright colors

When it comes to choosing colors for your kitchen, make sure you avoid deep and dark shades because they will not work in your favor. You need to make sure your cooking space looks as clean, bright, and open as possible. So, think about light yellows, greys, blues, and greens for the best outcomes. Also, make sure you purchase the correct type of paint for the job. When you visit your local home store; they should have a section for kitchen paint. Get that because anything else could begin to deteriorate within only a few months due to the adverse conditions in your kitchen. However, paint specifically made for the job should last many years if you manage to convince the kids to keep their dirty hands off the walls. Of course, those of you who don’t like the idea of messing around with paint can call professional decorators and ask them to undertake the job on your behalf.

Link

Create some hidden storage

You always need a lot of storage in your kitchen, and so you probably have lots of drawers and cupboards. However, you might also choose to create some hidden storage space where you can keep even more utensils and essentials. How you go about achieving that goal is down to you. However, lots of people choose to build breakfast bars or something similar. They are perfect for storage because they sit in the middle of the room and every side is exposed. So, you could add some extra drawers or cupboards where people put their knees when eating at the table. Nobody will notice, and you can keep a lot more stuff in your kitchen without making it look untidy or messy.

Cut a serving hatch

Many years ago, people who built houses used to include a serving hatch in the wall between the kitchen and the lounge. That made it easy for the person cooking the food to deliver it to their family without having to remove their apron or walk into a different room. Those serving hatches are making a comeback at the moment, and lots of people are cutting them in the walls of their homes today. Perhaps that is something you would like to try? It would stop the kids coming into the kitchen every two minutes to ask whether or not their dinner is ready, and it will also ensure you can serve piping hot meals without risking dropping them on your hallway carpets during transit. The job should only take a couple of hours, and anyone can do it with the correct tools.

Link

Think about your choice of lighting

Lighting is everything in your kitchen, and so you need to think long and hard about your approach. Painting the walls in light colors helps to keep your space looking as large and fresh as possible. However, your approach to lighting will determine whether or not you pull off that goal. Lots of people choose strip lighting for their kitchens because that solution helps to ensure an even spread across the room. However, you can also get spotlights than tend to work well. All the final decisions are down to you. Just make sure you take a decent look at the market and ensure you leave no stone unturned. Adding some under-cupboard lights is also wise because that can help to ensure your kitchen looks fantastic and you can prepare snacks on the side without using the main light.

You should now have some excellent ideas that will help you to get the kitchen you always wanted. Regardless of whether you plan to remain in the house for many years or you want to sell it at some point in the future, renovating your kitchen is always sensible. It will add value to the property and make it more appealing to buyers. So, you shouldn’t struggle when it comes to getting some decent offers. Improving the kitchen if you don’t want to relocate is vital because you will feel happier when you have a home that caters to your every need and looks fantastic. Good luck!

Contributed Post.

If you like what you’ve read here, please let others know of this post, blog, and site.

And thanks for reading!  🙂

Driving When Depressed: Should We Do It?

Picture from Pxhere

It’s not something we consider until we’re in the very midst of it, when we’re feeling depressed, we don’t particularly want to do much, but life dictates that we carry out certain duties. This means, if we live a bit far out into the sticks, driving is our only option. But, should we drive when we are depressed?

What If You’re Taking Medication?

It depends on many variables, such as the severity of depression, as well as the strength of your medication. But it’s always important to keep an eye on if the medication has any effects on you while driving. Certain antidepressants can slow down your reaction times, and so, you have to take it on a case by case basis. But if you are able to function, and it doesn’t have a major impact on your ability to drive, or to drive well, then it is your prerogative.

What If Duties Override Your Own Frame Of Mind?

A lot of people feel that, even though they’re depressed, their ability to push through and to continue functioning overrides a lot of their negative emotions. It depends on your own frame of mind, but when you are piling duty after duty upon yourself, it’s at this point where you are driving down the freeway in the middle of the night, feeling exhausted  and lacking in focus, is where depression can creep up on you in a major way. The fact is, a split second is all it takes for us to get involved in an accident or an accident attorney to get involved, and the legal proceedings can swallow up our entire life. It’s important to keep ourselves busy if that is good for our frame of mind, but when it comes to operating a vehicle, there is a subtle point where it can be too much for you. This is why it’s important for you to…

Trust Your Instincts

You know if you’re not up to driving, but if there are pressures placed upon you, such as if you’re the only driver in your household, it can go one of two ways, a good way or a bad one! This is why you need to gauge the situation and come up with your own coping methods to ensure that you are focused behind the wheel. Sometimes, the challenge of getting behind the wheel when we’re not up to it can snap us out of this depression because we have something else to focus on. But this is something that may only work for mild depression and anxiety. Being depressed means that you can’t always trust your instincts. If the idea of driving at that moment in time is a scary proposition, then very simply, don’t do it!

A lot of people drive when they are depressed, but it depends on the severity of the depression, and what you are feeling up to at that moment in time. It is important to get out and about, but there are going to be times when you don’t feel like driving at all, even though the situation dictates that you must. And this is why it’s important not just to take your own considerations into account, but also if you’re going to be driving other people too.

 

Contributed Post.

If you like what you’ve read here, please let others know of this post, blog, and site.

And thanks for reading!  🙂