Friday, January 18, 2019

Creative And Quirky Ways To Save Money Around The House

We could all do with having a little extra money in the bank now and then. Whether
you’re trying to clear your debts, pay for a trip away, or buy birthday gifts for a loved
one, saving money is one of those necessary evils we all just have to do. However,
that doesn’t mean it needs to be such a mundane and frustrating task. With just a
little creativity and a sprinkle of fun, you can make cutting your household expenses
much less of a chore. With that in mind, here are ten more creative ways for you
to save some money around the house.


1. Choose An Inconvenient Bank
Doing all of your banking in one place is certainly convenient, but that isn’t always
a good thing. This is especially true when that place is the internet. When all of the
money you possess is a mere few clicks away, it’s easy for temptation to take over,
leading you to spend cash you really shouldn’t have. To make this a little more tricky,
you should deposit savings into a different bank account. Make sure that this new
bank is far away and that you destroy your ATM card.


2. Pay For Bad Habits
We all have a bad habit or two that we want to get rid of. Unfortunately, it isn’t always
easy. To give yourself some incentive, you should set up a jar somewhere in your home
and label it with that habit. Then, every time you see yourself doing something you
shouldn’t be, you can put some money in the jar. For example, if you noticed yourself
biting your nails, you can deposit $1. This should help you to break your habit
eventually while saving some money in the meantime.


3. Get Lots Of Sleep
Getting plenty of sleep each night comes with a number of health benefits, but
the financial boost you earn in return goes so much further than just reduced medical
bills. Of course, one of the biggest and most obvious reasons you save is that you
can’t buy anything while you’re asleep. You also can’t eat or drink anything or
watch television, reducing both your grocery and electricity costs. Extra sleep
also makes a better driver, reducing the chance of you being in an accident.


4. Grow Your Own Veg
When compared with a diet full of meat products, the plant-based alternative is a
lot cheaper. Of course, fruits and vegetables themselves are less costly, but the
reduced risk of illness means you’ll also have fewer medical bills to contend with.
For this reason, you may want to become a vegetarian, or, at the very least, have
meat-free days every week. To cut costs even further, you could start a vegetable
garden and grow a few staple veggies you always need in the kitchen.


5. Buy A Tiny Home
Housing costs tend to take up most of your budget, whether you’re renting or paying
a mortgage. With that in mind, the best way to make major savings is to downsize
your home. To take this one step further you could even buy your own tiny house.
It’s clear that these homes cost less than traditional properties, but when you
learn more about these unique tiny homes, you’ll see the savings don’t end there.
You can also save on energy, as there’s less space to keep warm.


6. Try A Different Job
No one enjoys the long drives to work each morning, especially when they cost
hundreds or thousands in fuel and car maintenance each year. To completely
eliminate this expense, you could consider ditching your current job to work from home.
Whether you telecommute or run your own business, this decision can continue
to benefit you financially long after you’ve got rid of your car. You also won’t need
to buy clothes specifically for work and will be less likely to eat out.


7. Cut Your Hair Shorter
Having long hair can be a frustrating ordeal. You have to brush it a lot, it’s always
getting in your face, and the water, shampoo, conditioner, and other hair products
you need to use on it all cost you money. To reduce the amount you spend cleaning
and styling your hair, you should consider having it cut a little shorter. Rather than
go to any salon for this restyle, shop around for a skilled beauty student. They tend
to charge less for their services, as they’re not fully-qualified.


8. Toilet Train Your Cat
Cats are strange little creatures. They roll around on the floor and lick themselves,
yet still expect to be treated like royalty by their owners. Aside from the occasional
cuddle, the only thanks you get for the care you give is the chance to clean their
litter box and pay out for the litter itself. To completely cut out this expense, you
should try toilet training your four-legged friend. As ridiculous as it sounds, it’s
supposed to be quite a simple and rewarding thing to do.


9. Make Your Own Cleaner
The cleaning supplies in your cupboards are both costly and harmful to the environment.
Because of this, you should consider switching to natural alternatives and make your
own. With just a little vinegar, lemon juice, or bicarbonate of soda, you can
make all-purpose cleaning products that work just as well, if not better than those you
find in supermarkets. From glass cleaners to laundry detergent, there are so many
supplies you can make for yourself.


10. Go Shopping On Wednesdays
The most popular day to go grocery shopping is a Saturday. This is because most
of us are off work for the weekend and stores are open much longer on this day
than they tend to be on Sundays. The problem with this is that businesses know that
Saturdays are going to be busy, and as such, don’t release their discounts on this day.
If you want to save on your shop, then you should head to the store on Wednesday,
when most places kick off their weekly promotions.

Saving money doesn’t have to be so boring. With these creative ideas, you can
have a little fun when you cut costs.

Saturday, January 12, 2019

Signs that you Are Ready to Start a Business

Starting a business is a huge decision. It’s a financial, emotional and physical
investment, and if you are not ready then you may find yourself in a dire situation.


You have Passion


Passion is really overhyped. It’s not enough to just have passion, but it is
essential to starting a business. The last thing that you want is to start a
business just because you are fed up with the job you have right now. You
need to be dedicated, have experience and be willing to work long hours with
very little reward. Passion is required to do all of this, but it won’t take you all
the way.


You Believe in Yourself


You will face a ton of closed doors when you start a business. You need to
have a lot of self-belief in order to push through this. If you shut down your
idea the moment someone tells you “no” then you won’t get anywhere. It doesn’t
matter if 100 people say no, because as long as you keep on going and get a
yes somewhere down the line then it will all have been worth it.


You have a Great Product


Every great business has the ability to meet a need. You need to know that
people are willing to pay for your product and that there is a market need. If
you quit your day job before you find out this information, then you might not
get anywhere. Having some kind of market is crucial. It doesn’t matter if you
have competition or if your market is super niche because as long as there is
a need, your business idea can work.


Credit
Cash


They say that cash is king, and that is very true when starting your own business.
Nowadays it is more than possible for you to start a company without having much
money at all, but it will take time to become successful. Your business may take a
while to start showing profit, and if you can’t sustain yourself during this time then you
may run into issues later down the line. It’s highly recommended that you get any
debt paid off way in advance of starting your company so that you can be financially
stable while also giving yourself the highest chance of success.


Experience

If you have experience of the industry that you are going into then there is a high
chance that you are ready to make the leap into entrepreneurship. If you don’t have
any experience at all then it is more than possible for you to take a training course.
You can even work part-time to try and get experience as well so that you can
build your skills over time. When choosing your course, make sure that it reflects
your business idea. For example, do a medical course if you see a
GP practice for sale. Little things like this can go a long way and you would be
surprised at how much it could help you to increase your chances of success.




Friday, January 11, 2019

Finding a New Passion after Major Life Changes and Setting Up Your Business

If you have faced major life changes in the past few years, or you are looking
to change the course of your future, it is time to think long term. You should
remember that when one door closes another opens. You should not dwell
on the past, but live in the present and become optimistic about your future
again to move on. Below you will find a few tips on how to get started.


Get Advice and Help

No matter if you just got made redundant, retired, left the military, or got diagnosed
with a life changing illness, there is a way forward. You should focus on what you
can make out of your current situation instead of what you cannot. If you are
permanently disabled or are dealing with an illness, you will need to study
how your disability service provider can help, so you can get access to training
and funding to start your own business.

Improve Your Skills

It is crucial that we change when our goals and aspirations change. You wouldn’t
go into plumbing without a proper qualification, and you should not do it in any
other industry, either. People will tell you that starting a blog is easy and you can
make millions, but it is not a common result. There are plenty of free and low-cost
education programs that will help you make the most out of your abilities and
improve your skills.

Create a Plan

It is crucial that you come up with a tested and detailed business plan, so you
can improve your chance for success. If you need help from agencies or
freelancers to get your business set up, you will need a budget. Make sure that
you are able to complete a business and marketing plan with or without the help
of a coach and business support professional.

Focus on the Big Picture

It is also important that you don’t get bogged down with the small details. If you
have to spend hours on social media you are not likely to have time to create
a marketing strategy, and will end up shooting in the dark not knowing what
works and what doesn’t. You should consider taking on fully managed
social media packages so you can free up time and get more focused.  

Stay Motivated

One of the greatest challenges of being self employed and having your own
business is that there is nobody who checks whether or not you did everything
you are meant to and hit your targets. If you start a business in an area you
are truly passionate about, you will find that motivating yourself is easier. Set up
a default diary and make the best use of your time, so you can make continuous
improvements, It is also important that you get the office space where you can
truly work on your business.

When life changes, you will need to work hard to find new opportunities. Starting
a new business and helping others will get you closer to finding your purpose again.

Wednesday, January 2, 2019

Benefits Of Having An Office For Your Business


At some point, most business owners will start wondering whether they’ve outgrown
their home office or if they need an office right from the start, and of course there’s
certainly no right or wrong answer. This will always depend on the type of business
you have - for example, if you run an online coaching business, then it’s less likely
that you’ll need a physical office the same way someone trying to set up a retail
store or advertising agency would.

However, just because someone runs an online coaching business, doesn’t mean
that a physical office is without benefit.

There’s also the financial aspect to be considered. Having a physical office is
definitely an expense, and that’s always something that should be considered as a
main factor when deciding whether or not to get a physical office or not.

If you’re currently finding yourself stuck with making this decision or not, then in this
post we’ve listed some of the benefits of having an office for your business so you
can see if it’s something you’d like to have before you start searching for
Commercial Properties in your area.

It’s easier to build a team:

If you’re looking to grow and scale your business and are looking to build a team
to help you achieve this, then having a physical office will make this a lot easier.
Of course, you can definitely build a remote team, but if you prefer having everyone
in one place, then a physical office is going to be the best way to do this.

It can look more professional:

Whilst having a physical office doesn’t make you more professional and says
nothing about your ability to do your job properly, it’s unfortunately still a societal
perception that only real businesses have physical offices, and those who run
online businesses are somehow just playing around - or even worse, they’re
scammers. Of course, not everyone thinks this way, but having a physical office
can set you apart in the eyes of potential clients and help them see you as more
professional.

It can help with work/life balance:

Work/life balance is more important than ever in these modern times, yet
somehow most of us are still struggling with it. This is even more so the case
for anyone who works online and from home. If you work in the place you live,
it can be hard to separate the two in your mind and it means that
work/life balance is going to suffer. So, having a physical office where you go
at a certain time and leave at a certain time each day can definitely help you
achieve that work/life balance.

You may be more productive:

Even if you have a set home office, your home is still full of distractions and
this makes you less productive if you’re not able to keep yourself disciplined
and focused during your working hours. However, physical offices are definitely
set up to accommodate a correct working environment, and since everyone is
there to work, it can help you be more focused and productive.

Tuesday, January 1, 2019

How Much Are Your Qualifications Worth?

Making money in this world has a lot of variance to it. There’s hundreds of
thousands of jobs out there in the 21st century, so many more than we would
have seen 50 or 60 years ago, and thus we’re at the forefront of the working
frontier. You can freelance as an artist or a writer, you can study for years to
become a master psychologist, you can busk from time to time on the street
just for a bit of extra cash - it’s up to you.

But, there’s all kinds of wage rules and restrictions out there in the modern day
and age, and often enough it can feel (and this has often been proven to be the
case!) like you’re not being paid enough for what you’re doing. And that makes
all the time and effort you went through to gain your qualifications seem like a
bit of waste of time - when you come to this worrying conclusion, what are you
supposed to do next? Let’s think about what you can do.


Compare Your Wages

Your wages don’t have to be a secret, and you’re allowed to talk about them with
the people you work with, the people in your family, and any friends who are curious
about how you afford your lifestyle. For the work you do, there could be a lot more
money waiting out there on a plate for you, and you won’t know until you ask!

So make sure you inquire into someone else’s wage, offer up knowledge of your
own, and make sure you never come across as sounding jealous about the money
you don’t earn. After all, if someone is doing exactly the same work as you are, and
yet they’re earning a few more cents than you for the same hours, the problem is
not with them!

Ask for a Raise

Once you know what money you’re missing out on, and you know for a fact that
the qualifications you hold are worth a lot more, it’s time to take the issue to your
boss. Make sure you’ve got yourself a case, and a clear figure you want to start
being paid, and sit down with a calm and concise manner about you.

You don’t want to sound demanding - you want to be reasonable yet firm, and make
sure you stick to your guns over what you want. You’re a valuable part of the
company, and you need to be treated accordingly.

Know Your Options

If you don’t get the results you want from negotiations like this, or you get less than
stellar results that barely make a difference, it might be time to look into your other
options. Maybe a new job would be best to move onto here? Even just taking a look
here can be very inspiring over what you can do next, especially if you’re new to the
world of work. Make sure it meets your expectations.

Your qualifications are worth a lot, never forget that fact!