How to Financially Survive 2013
After the festive period it’s not surprising that many of us are finding ourselves a little short on cash. It’s the most expensive time of the year and every year we like to push the boat out a little only to find ourselves worrying about how to get through the coldest months. Especially now with the economic situation being the worst in recent memory people are wondering how to make what little they have last. So here’s our top tips on how to financially survive 2013:
Make a Change!
For most people nothing could be more daunting than changing their career so early in the year- which is why there’s generally far less competition for vacancies in the New Year. Seeing what’s available on the job market could be just the idea to get your 2013 off to a flying start. Sure, changing a job at any time can be quite a stressful experience but at the same time it affords great rewards and possibilities. If you’re feeling a little stuck-in-a-rut or feel you could earn that little bit extra- then try to look for a change early on! The feeling of starting a new job is great and having a change of scenery can be awesome for your wellbeing, so applying for a higher-paying job has to be one of our top tips.
Many people don’t know that they’re paying a premium on everything from groceries to insurance. Shopping around for the best deals takes a little time and understanding what companies are offering can sometimes be a little confusing but when you see how much you could save, you might be amazed. Try using online calculators to see if you’re getting the best deal possible. There are calculators for almost any service or product so all the hard work is done for you- all you have to do is enter a few details to see how much you’re over-spending. Also mortgage rates Canada are changing all the time too, as are credit card charges with the best credit cards offering low rates of interest- so checking out what you’re spending on these too is a great idea.
Sometimes it’s easy to forget what we have right under our noses. When things are at their tightest financially we sometimes have to make do with what we have- but it needn’t be a bad thing! For example, taking your vacation a little closer to home or staying with relatives is a great alternative to expensive jet-set holidays and there are some truly amazing places right on our doorstep! ‘Making do’ is of course a phrase closely associated with the kitchen where invention is usually one of the key ingredients. Avoid expensive take-out food and going shopping when you don’t really need to. Try out different recipes for what you’ve already got and you can become a master chef in no time. Not only will your culinary skills improve, you’ll save quite a bit and eat that little bit more healthily.