Saturday, 14 September 2019

Questions You Need To Ask Yourself Before Buying A New Car

A car has become so very essential in today’s world. A lot of people can get by very nicely without one, but they can be the difference between convenience and inconvenience for a lot of people. They’re so regularly used these days that they’re almost like part of a family. 

If you’ve never driven before, then you’ll be mulling over all kinds of things before you eventually commit to something and make a purchase. The same questions run through your mind when you’re an experienced driver, but you have more of an idea. When buying a car, you don’t want to regret what you’ve done because the commitment is quite a big one – it costs quite a lot of money, and is quite the machine to maintain! 

There are hundreds of little thoughts that go through your mind when you browse through car companies, but here are five pretty important questions that you should ask yourself before going through with anything: 

How Much You’re Going To Use It?

How often you’re actually going to be driving should have quite an impact on your decision – especially if you need to be fairly careful with your money. If you’re always going to be driving due to work or other personal commitments, then you have all the right in the world to invest fairly heavily. If it’s just going to be used sparingly, then a little run-around would probably suit you better.

How You’re Going To Pay For It?

You need to take a look at your finances and check which scheme is going to be for the best. You could spend a hefty lump sum on one and complete the process quickly. If you’re not exactly in a position to do so, however, then you could head into places like Smile Car Finance, and look at the collection of offers they have in terms of installment payments. 

Who Will Be Driving?

If you’re going to be the only one in the car, then your decision is pretty simple as yours will be the only opinion that matters. If you’re buying for yourself and a partner, then their thoughts and daily tasks should be considered. 

How Much Will It Cost To Run?

The initial payments in terms of making the car yours are something you obviously need to think hard about. You should also take into account just how much a new car is going to hamper your bank account on a monthly basis. The running costs vary from car to car, so you should check things like the overall condition and fuel consumption. You don’t want to be struggling every week/month due to your method of transport. 

Do Looks Really Matter? 

Finally, the looks can make a big difference in the way someone feels! If you’re not in the position to worry about the aesthetics, then this shouldn’t apply to you. How someone views a certain car does matter, however. They’re going to be driving around in this thing for quite a long time; it’s only fair that they’re sitting in something that they’re content with.

Friday, 6 September 2019

Keeping The Family Together When The Going Gets Tough

It would be illusory to suppose that family life is always going to be sunlight and rainbows. Although there are going to be plenty of good times, it’s just as true that you should expect some darker or more troublesome times. These are actually a necessary part of living, although that does not mean that you will find yourself willing them on to happen. But something that is going to prove necessary is developing some kind of a way to deal with those tough times, especially so that you can hope to keep your family together, and keep the relationships within that family as strong as possible. As it turns out, that might be simpler than you think, as long as you follow some basic precepts.

Image Source - CCO Licence
Suffer Together

Generally, when you are going through tough times, that means that there is some kind of suffering going on. That is obviously not the kind of position anyone wants or chooses to be in, but that doesn’t mean that there are no ways to deal with it. To the contrary, you will find that you are much more able to deal with such suffering than you might think, and the key to doing so is to stick together when times get tough. Whatever it is that might be going on for your family, from the banal everyday issues to the larger, life-changing problems, make a point of sticking together and even, yes, suffering together. That will ensure that you still feel like a unit, and that you are much more likely to see the experience through as one.

Get Outside Help

There will often be times when you need some kind of outside help to get you and your family through a tough situation, and it is absolutely okay to ask for that help. That help can come in many forms. It might be that you need some assistance with some kind of admin that is part of the situation. For instance, if the situation is that someone close to you all has passed away, you are going to need to find undertakers, funeral homes, and so on - and getting that done early will absolutely help you to stick together as a family unit. Or you might go so far as to say that you need group counselling, in which case don’t delay in getting it. It could be that some outside help is all you really need to turn things around.

Image Source - CCO Licence
Allow Some Personal Space

At the same time as trying to focus so much on being a unit, you will also find that it is beneficial to allow a good degree of personal space for everyone in your family. Having your own space can be very helpful, particularly if there are ongoing tensions within the family itself, as it gives you the space to think. If everyone has at least some of that, you will find that it can actually help you to all stick together as you would like to. So be sure to champion this as much as anything else.

Friday, 30 August 2019

 9 Ways To Save For That Holiday

Image Credit- Pixabay License CC0

We all need a break from time-to-time, and getting away from the daily grind and worries of life can be blissful. But so often, to get to that point, we need to stress about lots of stuff. We need to stretch our budget and scrimp and save. Holidays are an expensive business and can involve some serious savings. 

Often, if you earn a salary, all of your money each month is accounted for. You will probably have a budget that covers your bills, food, and other assorted spending. 

There are, however, several great ways to fund your next holiday though, that needn't dip mean taking a significant dip in your current income. 

Sell Some Unwanted Items

We all do it, we go through life accumulating things, and when the next new prized possession comes along, our older items get cast aside and forgotten amount. Before you know it, your home is cluttered. 

But, one person's clutter can be another person's goldmine. Having a good clear out is often an excellent opportunity to make some extra cash. You might find things that you have no use for anymore, that someone else will love.

Using sites like eBay, or Shpock, you can list and sell all of your old items. Have a look at what similar items are listed at before you put yours online, as you want to make sure you're not overcharging. 
Make sure your listing is well written and is accompanied by a good quality photo. You'll need to put the item in the best light if you want to attract a buyer. 

Join The Gig Economy

The growing trend for flexible working means that it is possible to easily pick up work that can be done alongside your primary income. This could be anything from delivering takeaways to driving for Lyft or Uber. 

You can pick and choose your working hours, and work as much, or as little as you like. You are essentially your own boss, which is exactly what you need when it comes to having a side income.

Amazon Mechanical Turk

If you have a spare five minutes here and there, why not pick up micro-jobs on Mechanical Turk? You'll be doing things like sorting images out for captchas, translating, and transcribing. They are usually tiny data-related tasks that only humans can do. The pay will vary from job-to-job, with most jobs taking a few minutes and paying a couple of dollars.

Freelance Writing

There are lots of great opportunities to work from home, writing content for blogs and websites. If you sign yourself up to any number of services such as Upwork, or Freelancer, you can find work that can be completed there and then. You'll typically be paid pretty quickly after completing the task too, so it's easy to build up a bit of saving. 

The work may be quite varied, with the need to write in a variety of niches. You'll develop an aptitude for making decisions and researching very quickly. As you're paid per word, it makes sense to learn to type very quickly or to use voice-to-text software for dictating your work. 

Take Out A Loan

You might find yourself asking, how can a payday loan help? If you see that once in a lifetime deal, and you can't afford to let it slip by, you can get a short term loan. You'll need to pay it back as quickly as possible. Make sure you check you check the interest rates and understand precisely how much you'll need to pay back. But, if you need money quickly and can repay soon, it could be an option that you may want to consider. 

Mystery Shopping

Having a day out, shopping is not such a bad thing. But turning it into an opportunity to earn a little bit of extra money can't be sniffed at. 

Retailers love to know what their staff are up to. Are they providing the service standards that they are expected to? Are the products being displayed or talked about in the right ways? Finding out this information is invaluable to their operations, and the stores will be incentivized to achieve high results in their mystery shop. Sign up to an agency, and look at ways that you can take home more than just your shopping.

Rent Out Your Spare Room

If you are a homeowner with a spare room, you might want to start renting out your extra room to a lodger. This will give you a monthly income that you can rely on. If you're going to be taking someone in that will live with you; vet them first to make sure you want to live with them. 

You could also look at letting your room out on a short term basis using Airbnb. This is a particularly good idea if you are likely to get lots of visitors to your area. You will need to make sure you keep the room nice and clean and also be aware that your visitors are very likely to want their own space. 

Complete Surveys For Cash

Companies want to know what people think. It helps them with their product research, and it lets them know how they are doing in many other areas too. Sometimes companies will pay for your time and opinion. You can earn money completing surveys when you are sat around the house. Many are quite short and easy to complete. You can even do them while watching the TV. 

Matched Betting

Placing a bet is a risk, however, by going elsewhere after placing your bet, and betting the opposite way, you'll cancel out that risk. This is matched betting. For your first bet, you will use the free bets that bookies use to attract new customers. You'll need to calculate your odds to make sure that you are going to get a good return. Next, you will use a betting exchange to place a lay bet on the reverse scenario. You'll need to do lots of research first to understand where you can place your bets, and which ones are best to go for.