We all wish we had a little more money and could spend a little more. Regardless of the time of year, or what shop we are in, we always need to budget and make sure not to live outside our means. This can be difficult, but it is necessary as the alternative is debt and nothing good comes from that. For those of you who have the urge to buy more things, here are some ways that you can avoid maxing out your credit cards and have to live poor for months to repay them.
One of the biggest juggling acts we have to deal with in life as a woman is having children and work. While it’s certainly possible for women to ‘have it all’ and there are lots of very successful mothers out there, often the practicalities mean that we are forced to choose between the two. Thankfully, these days the internet provides endless opportunities to earn money from home in a flexible way. That means if you’re a mum or have other commitments you can still make a living in a way that works for you and your family. Here are some things to bear in mind if you plan on taking the plunge:
Many home owners accidentally waste money on their homes year after year. However, there are many ways you can be savvy and cut back on your expenditure, which will boost your bank balance. Read the six money saving tips for your home.
Debt is sometimes inevitable. I have had my share of experiences and what matters is how you handle the situation. Do you have any outstanding debts that are weighing you down such that you don’t know if you should save or pay up? The fantastic news is that it is possible to save even when you are in debt. Unbelievable, right? Well, stick around to find out some of the incredible ways.
One of the biggest challenges when it comes to personal finance is figuring out ways to spend less money, and this challenge becomes even greater when you’ve got a family to look after. One of the best ways to accomplish this is to cut down on your monthly expenses, as even though some of the regular bills that you pay may seem small and insignificant on their own, when they’re all added up they can become a huge drain on financial resources. We’ve put together a few different ways in which you can cut your monthly expenses and have more money available for fun with your family.
There’s no denying family holidays can be expensive, but as a survey by Admiral found, more than 50% of families would sacrifice other household expenses to ensure they could still take one. Everyone loves a good holiday, but if a week away leaves you scrimping and saving to pay off credit card bills that puts a lot of stress on the household. Don’t let holiday expenses run away with you. With a little organisation and (and some restraint!) you can have a great family holiday without breaking the bank.
Everyone has their own hopes and dreams and we’ve all thought about what we’d wish for if we were given a lamp with a magic Genie inside. Some think about really luxurious things like huge houses, exotic holidays and so on; while others think more logically and consider how they could use the money to improve their lives and those of their friends and family, by clearing the bills for example or taking the family to Disneyworld in Florida to our very own condo and a villa on an Aussie beach.
It is never too early to teach kids how to save for their future. If you teach your kids the value of money at an early stage, they will carry that with them as they grow older and they will be safe and secure financially. It is not enough that you save for your kids. You should teach them why it is important and how to properly do it. By doing the simple tips below, you can teach your kids how to save pennies for the future.
Today is the start of the grand finale competition for my #12DaysofConstantChristmas advent, the prize is a fantastic changing bag from Kipling and also a gift voucher from Wayfair.co.uk. A lovely bag to go shopping with, a generous gift voucher to buy that new piece of furniture you have been after – in the January sales no less.
Ok, so you’ve finally bought your own home, but you’re helpless when it comes to repairs. Don’t worry. Here are 5 easy-to-learn DIY skills that will get you out of some of the most common binds.