Great Reasons to Sell Your Old Mobile Phone

Feb 27

Great Reasons to Sell Your Old Mobile Phone

How many unused mobile phones do you have at home? Two? Three? Four? Just recently I found two mobile phones in my house. No one has used them in at least the last six months, so why do I keep them?

Read More

How to save money on your first mortgage

Feb 26

How to save money on your first mortgage

Getting a foot onto the housing ladder can be a great feeling, but it might stretch your finances to the limit. The chances are, your biggest expense once you settle into your new property will be your mortgage, so it’s important that you find the best possible deal. This brief guide offers some useful suggestions to help you save money on your first home loan.

Read More

How to financially sustain long-term travelling

Feb 21

How to financially sustain long-term travelling

If you are looking to travel for a long period of time, it is essential to think about how you are going to finance your stay. While the cost of living in countries abroad may be substantially cheaper than what you are used to at home, flights and insurance prices can be steep and on top of accommodation and food, your expenses will add up. The magnitude of money required for travelling need not come at the expense of the amount of time you want to travel for – as the following tips reveal, there are always ways to afford a little extra time on the road.

travelling

CC image credit to onesecbeforethedub

Read More

The Newbies Moving House Guide

Feb 16

The Newbies Moving House Guide

After leaving university nothing had prepared me for the costs and drama of actually buying a house. It wasn’t just the finances that suddenly started to appear from everywhere, but also the logistics of finding somewhere you can both agree on.

Read More

Need Money, Pronto? Ideas to Get the Cash Rolling in!

Feb 12

Need Money, Pronto? Ideas to Get the Cash Rolling in!

If you need money fast, you have a few options you can try. We all like to save money and live a little frugally from time to time, but sometimes we must do even more to raise the cash we need. Try the following techniques and see if the cash starts rolling in for you:

Use Online Selling Sites

Online selling sites like eBay can be a good idea if you’ve got a load of old junk lying around that you want to get rid of. Be vigilant and get rid of things that you don’t use, need, or want. You can then list it on online selling sites and see if other people are interested in buying it. It’s up to you what you start the bidding at, but the lower you set it the more interest you’ll get.

Attend Boot Sales

Boot sales can be a great way to spend a day on the weekend, and you can get cold hard cash in your hand right then and there. You can sell just about anything you have lying around. You won’t necessarily sell everything, but you could give it a good try by being open to offers and making multi buy deals. Just watch out for people who want something for nothing.

Do Odd Jobs for Money

You could offer to do odd jobs for a little extra cash. You could walk dogs, babysit, and even set up a page on Fiverr doing small ‘gigs’ for $5. You could literally offer your services as a voiceover artist or logo designer if you think you’re good enough.

Get Fast Funding

If you really don’t have time to try anything and can’t wait for the cash, you could get fast funding here. This is a good idea if you have an emergency payment to make that can’t wait.

Start a Business on the Side

Confident in your abilities to run a small business alongside what you usually do? Go ahead! This is more of a long term solution, so you need to be committed to your idea. You could do anything you like, from making jewellery, altering clothes, cleaning…you name it!

4

picture from Flickr

Recycle Clothes and Mobile Phones

Instead of selling old clothes and phones, you could do something good for the environment and recycle them. This is a great idea if you don’t think you’d get much for these items on a selling site or boot sale anyway. You’ll get a small amount of cash, and you can feel good about yourself.

Be an Extra

Want to be on the big screen but don’t fancy yourself as the lead just yet? You could apply to be an extra. It’s easier than you probably think, and you could get a decent wage for a few days work.

You have plenty of options when it comes to getting cash in your pocket fast. Don’t hesitate; try one of these methods today. Leave a comment to let me know how you did!

Thanks for visiting!

 

 

Read More

Smart Ways to Increase Your Income

Jan 23

Smart Ways to Increase Your Income

Do you wish you had more money? While some people are perfectly happy with their financial situation, many more would rather have a bit more spare cash. But when you’re already working full-time, how can you have any more money without reducing your spending? If you want to earn a bit more but you don’t know where to start, you’re in luck because there are lots of ways you can increase your income. Some of them will require that you put in some time and effort, but there are some ways to make more without doing much of anything. Have a look at some of these methods for earning extra money and find one that will fit into your lifestyle.

Get a Part-time Job

This option isn’t for everyone, but if you have the time to spare, you can get a part-time job. The best positions to look for are ones with flexible working hours. You can choose when you work, and perhaps fit your hours around school times and holidays. If you find a job to do around your full-time occupation, whether that’s work or being a parent, you want an employer who is dedicated to caring for their employees. For example, Applebees seem to care about local people. You can apply there right here. You don’t have to work too many hours to make a bit of extra cash, and you can use your weekends, evenings or work when the kids are at school.

3

Photo by fsecart

Start a Business on the Side

If you have some time to spare, but you don’t want to get a part-time job, you could consider starting your own business. There are many companies you can run from home with hardly any supplies or facilities. If you have a computer with an internet connection and a phone, you have all the tools you need to get started. A lot of people like to take their hobby and turn it into a business. For example, if you enjoy crochet, you could sell your creations online or at craft fairs and markets. You can get an online store set up in minutes and start selling whatever you want.

Another option is to use one of your skills to offer a professional service. Perhaps you work full-time as a teacher, and you could provide tutoring services in your spare time. You can run your business in person or over the internet. You can even give people lessons, for example in English or another language, using a webcam. It’s very popular to offer virtual services, from writing and graphic design to admin and PR tasks. Just make sure that you do everything legally and declare your extra income with the tax man.

4

Philip Taylor

Look for a Good Savings Account

Some ways to increase your income don’t require much effort on your part. One method for bringing in a bit more money is looking for a good savings account. If you have some money to put aside, you can make your savings go further. Don’t settle for inferior interest rates when you could be bringing in more, just by putting money in your account. It might not be a lot in the grand scheme of things, but it’s better than your cash just sitting there doing nothing.

Make Sure You’re Claiming Benefits You’re Entitled To

If you’re past retirement age, don’t forget to ensure that you’re receiving the pension that you’re owed. If you’re not quite there yet, you can think about putting more money toward your future, so the money is there when you need it. There are other benefits you could be entitled to as well, such as child tax credit and child benefit, working tax credit and housing benefit. If you’re struggling with money, check to see if you can get any help.

Have a Clear-out

Everyone has things lying around their house that they don’t want or need. Although it’s not a long-term solution, if you want some extra cash it’s a good idea to start selling some surplus possessions. You might have DVDs, jewellery, electronics and more. Even if your items don’t look like much on their own, you could make a nice sum once you’ve added up the money you earn from all of them. There are a few ways you can sell your stuff, both online and offline. You could go to a car boot sale or take things to second-hand shops to see if they will buy anything.

Online, you can use sites like eBay or advertise your items on local Facebook selling groups and pages. For DVDs, books and similar items, you can use websites such as musicMagpie, where they will buy them from you and sell them on. If you use eBay, remember that there are fees to pay. You can reduce them by listing things when they have no-fee promotions on.

Rent Something Out

If you have a commodity you’re not using, consider renting it out to other people. Some common things that people hire out include garages and parking spots, spare rooms and storage space. If you have a garage, driveway or parking space in a prime location, people could be willing to spend a lot of money to park closer to their job or home. Taking in a lodger isn’t for everyone, but it’s a great use of a spare room that’s going to waste. Just ensure that you do your research to make sure that you’re complying with the law. If you have other space that you’re not using, you could also rent it out for storage. You can use websites like Storemates to put up a listing to advertise.

If you want to try something a bit different, you can also let filming crews use your house as a set for movies or television shows. If your house is chosen, you could earn hundreds a day. However, it does mean vacating your home for however long the crew needs it and having strangers in your house.

 

Read More

A Quick Guide To Slashing Your Monthly Outgoings

Jan 21

A Quick Guide To Slashing Your Monthly Outgoings

Every time your pay check lands in your bank account, there’s that brief feeling of joy. Unfortunately, it’s always short lived as your bills, car payments and food purchases cut it in half. These essential payments can decimate our hard earned cash flow. Taking control of these outgoings is the first step to freeing up your money. Many people are paying for more than they need to on these bills.

Of course, they are all necessary. Bills, car costs and food payments are unavoidable. The trick is to find little costs to cut. Shave off small amounts every month and you’ll see a big difference. You’ll boost your disposable income that can be used to treat the family. On the other hand, you could just free up more money to invest or put in the savings account. Whatever your reasons, there’s always a cost to be cut.

4

image source

Food – Supermarket bills can stack up fast when you’re feeding an entire family. Just stocking up with the essentials can get expensive. Then we all nip to the local corner-shop for extras. We buy lunches out at work and pay for coffees on the commute. We may also splash out on takeaways. Take a look at your food spending habits and see what can be cut down. Try buying in bulk to keep costs down. Ordering online is another good tactic. You can bunch together the best deals. You’re also less likely to impulse buy when shopping for groceries online. Finally, try to cut out the frivolous food costs at work. Avoid spending money on coffee and lunches away from home.

The car – Anyone with a car will know how expensive they can be to run. There’s monthly car insurance payments and annual tax bills. Then there’s filling up the tank which feels like pouring money down the drain. After that you can be hit with huge maintenance bills if anything goes wrong. You can cut costs on every one of these aspects when you look hard enough. Look at an sr22 insurance cost. It may be cheaper than what you currently pay. Running a more efficient car can lower your taxes and save you money on fuel. Try to alter your driving methods to preserve petrol and last longer between fill ups. Finally, do basic maintenance yourself. Keep the tyre pressure at the correct level and inspect your fluids regularly. The car will run more efficiently and spend less time at the garage.

Your bills – Most of us stick to the same suppliers through loyalty. However, that’s not always the best plan. Nowadays, it doesn’t always pay to stay loyal. Search around for better deals on your energy supplier, internet connection and phone bills. Simple energy saving tricks around the house can work wonders too. Turn off all appliances and lights when not in use. Switch to energy efficient light bulbs and knock the thermostat down a notch or two. These small savings will free up an extra bit of cash.

There you have it, folks. These are just a few small changes in your day-to-day life that will help free up some disposable income. Which ones can you implement to your spending?

Read More