We all like to have activities that are fun and entertaining, yet dont have to be a drain on our wallet at the same time. Here are just a few ways to have fun without ending up out of pocket.
There’s no need to join a gym and pay expensive membership fees to get fit and active. Walking is an activity that costs nothing and can be done from your own doorstep, wherever you live. It doesn’t have to be something that is reserved for weekend countryside rambles either. You can build up your fitness gradually by getting off a stop or too early on the way to and from work if you take public transport, or parking further away from the office if you drive your own car. Walking for pleasure is a great way of doing exercise, but it’s also an activity that will help you clear your head of the day-to-day stresses and you’ll get to know your local area better too.
If you want entertainment on tap, all you need to do is join your local library. There’s enough reading material to go at to last you a lifetime and, as long as you return the books in time, it’s free! Don’t just plump for fiction – expand your knowledge of the world by reading some history books and some biographies too.
You don’t have to spend a lot of money to ear healthily. By refusing to buy ready meals and instead cooking meals from scratch with seasonal ingredients, you’ll not only end up saving money, but you’ll also develop new skills in the kitchen. You’ll see that cooking can be a pleasure, not a chore and it can be a great frugal hobby.
Revisit some board games
We all have board games that sit in a cupboard and don’t get to see the light of day except at Christmas. Introduce a games night in your household and enjoy the fun of the whole family playing together. If you don’t have many board games, invest in a pack of playing cards and you’ll have endless entertainment out of it! [Read more →]
September 30th, 2013 · Guest Post
When you’re getting started as a business, it’s usually the case that money is tight. Young businesses are keen to get the most from the funds they have available as they make crucial decisions which will have a bearing on their future success. The nuances of each business and each industry are never quite the same, but there is always one constant factor, and that is money. Here, we take a look at several financial tips for new small businesses.
Don’t miss out on government schemes
Small businesses and start ups are usually viewed quite favourably by governments as they try to encourage growth. Particularly in the current economic climate, there can be help available for new businesses should they know where to look.
It can be tough to secure funding in the early stages and governments usually recognise this. It’s often the case that there is a scheme being run by the government to help small businesses with tough matters like this. Businesses looking for a helping hand should be sure to take full advantage of any schemes set up to work in their favour.
Stay ahead with taxes
With so many things to take care of with a fledging business, tax might not be very high up on your list of priorities, but this shouldn’t be the case. The taxes you pay as a small business should be quite fair and it is your moral duty to keep up with them. [Read more →]
There are a lot of situations that rely upon how good or bad your credit rating is. Whether or not you are granted a car loan or mortgage will depend upon the credit rating you have and even renting a home or getting a phone contract might involve a peek at your credit score.
That’s not to say that it isn’t possible to do any of these things with a poor credit rating, but it will certainly be more difficult. This makes turning your bad credit rating around an important exercise – but how can you do it?
Open a savings account
A good way to establish a good credit rating is to open a savings account. Set up a standing order from your regular current account on the day of the month you get paid and use this second account to pay utility bills and other regular payments. By putting aside a little more than you need into it every month you will build up a nice little nest egg.
Use a credit card
Regularly using and paying off a credit card will go a long way to building up a positive credit rating too. Shops often offer their own credit cards and even using these can help boost your credit rating but they often carry a high interest rate which can make them a risk.
Whilst credit rating improvements can help your financial situation it is important to select the right credit card as charges and interest varies widely.
Pay all your bills on time
Another step that will help is paying all your bills on time. Standing orders and direct debits are an effective way of managing this; just make sure they are set up at the right time of the month so that there are funds available to cover the costs.
Whilst carrying out the above steps, such as using a credit card, it is vital not to overstretch yourself. Keep a close eye on your incoming money and how it relates to your outgoing costs and make sure you don’t sign yourself up for too much. A good credit rating will help you in the future, but it’s important you don’t damage your current financial situation in the quest to improve your score.
- Post In Association With Aquacard -
Tags: Credit Cards
June 20th, 2013 · blog
The rise of online casinos has meant that people around the world are now able to enjoy casinos from the comfort of their own homes. This has made it an incredibly popular leisure activity throughout much of the world. For most people trying to save for their futures, gambling is seen as a potential problem that can steal their money away. While some people do have gambling addictions, for those that do not, gambling isn’t a problem as long as it is practiced responsibly. The thrill of gambling can be great rush, but you should never let that thrill turn into something destructive that can damage your finances.
The key to enjoying gambling whilst being responsible is having the ability to manage your time and money. This ensures you do not end up using more of either than you can really afford. If you intend to bet on a fairly regularly basis, then it is important to work out a budget based on the disposable income that you can afford to play with. In this way it is no different than budgeting for travel or any other form of entertainment. The difference is that gambling has a higher level of excitement that can sometimes get one carried away. If that might apply to you, it is a good idea to put the money you budget for gambling into a separate account in order to prevent yourself from accidentally overspending in the heat of the moment. If that account is emptied, you just stop until the next time you regularly place money in that account. [Read more →]
Tags: Financial Psychology·Gambling
The cost of healthcare and retirement plans may be rising, but resist the temptation to eliminate employee benefit solutions for your team. Simply put, if you want to recruit and retain top talent, employee benefit services are a must.
In a tight job market, the more competitive your employee benefit solutions, the more likely you’ll get the best candidate. Fail to offer many – or any – employee benefit services and you put yourself at a disadvantage. Even if you find a candidate willing to take a job without benefits, it’s unlikely he or she will stay with your company for any length of time.
Leverage employee benefits providers or brokers to keep your costs low
The good news is that there is help available to keep your costs as low as possible. Many employee benefits providers offer benefits solutions for nearly every price point. Additionally, many will bundle multiple lines of coverage at a lower cost.
Often, employers choose to work with brokers to find the right mix of employee benefit services for their team. These consultants make it easier for you to shop around for the best price across medical, dental and retirement plans rather than calling employee benefits providers directly. Brokers can also help you educate your employees on the costs and features of various programs. Not only does this help employees pick the right employee benefit services for their needs, but it also keeps your costs low by ensuring that employees don’t buy benefits they don’t need. [Read more →]