Friday, 12 October 2018

Smart Money Tips That Can Help You Achieve Your Life Goals 

We all have goals for our lives, ones that make them meaningful and help us to drag ourselves out of bed in the morning, even when its cold and wet out! Which it seems to be a lot of the time lately! However, what if I was to tell you that you could get closer to achieving your goals by being a little smarter with your money. You’d probably want to know more, right? Well, read on to get the lowdown.

If your goal is to see the world

Travelling the world may seem well out of reach, especially if you are scrabbling around for tomorrow's bus fare! However, there are some smart tactics that can help you achieve this goal. One is to get super good at finding bargain flights and hotels online. A topic you can get some more information from at, and something that can cut the cost of taking your family overseas for a holiday in half.

The other, however, is a little more extreme, but still totally viable. It's all about finding a job that you can do remotely, as then it doesn't matter whether you work in your living room or on a far-flung beach! In fact, with a whole network of digital nomads already living this lifestyle, and many employers now offering a remote working option, if you dare to go for it, you might just find it a lot easier than you think.

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If your goal is to open a business

If your goal is to open a business, you may think that you need to spend years saving to build enough capital to do so. Although, this may not be the case if you can secure funding in another way.

One method of doing this is to find someone to invest in your business idea for shares in your company, a tactic that can be mutually beneficial for both parties involved.

Another is to go sites like and use them to source a loan to fund your business. Something that can help you find enough money to set things up and then allow you to pay them back once things have gained momentum.

If your goal is to be financially independent

Lastly, there is a great deal of talk about being financially independent and taking early retirement (FIRE) these days. A path that means you no longer have to work but can still live the life that you want. Now, this may seem like an impossibility, but if you follow the advice on FIRE like the info you will find at, you may be able to retire a lot sooner than you think.

Of course, you will need to make some pretty hefty changes to the way you spend, save, and invest to be successful at this. In fact, most FIRE systems require around 50-55% of your salary to be saved to bring your time to retirement down to a reasonable level. Something that is possible, but can be a bit of a challenge for folks that are used to spending all of their disposable income, and have a family to support at the same time as well.

Friday, 5 October 2018

Get the party season started early with Drop Shot

As busy working parents finding the time to socialise let alone have boozy nights out is something of a rarity, and if like me you moan you never go out but when it comes to it the thought of slobbing it in your PJs is actually a lot more appealing.
Often we find that as couples one or the other can't get a sitter so our socialising is done mostly as a couple at home on our own or at one or the the others houses, take away and a few cans, very sensible and grown up almost like we have mastered adulting...
Wrong ..if like us you have a full drinks shelf/ cupboard because at birthdays and Xmas people seem to think your favourite pastime is drinking then get togethers soon leads to us trying a few different tipples and flavours of gins, and of course bringing out the old friend Jack, then before you know it your passed out on the sofa in your not so glamorous PJs!
When we get together with friends we have been known to bring out the cards against humanity game so when I was asked to review Drop Shot game for Find me a gift I knew it would make a great addition to one of our social gatherings and add some extra laughs to the evening.
Drop Shot is a product that is brand new to the market and is a fun variation on the usual games involving shots of booze. You don’t necessarily need to use alcohol of course. If you don’t want to get ‘pie faced’ then you could instead mix up your own non-alcoholic drinks and watch as your friends are forced to down shots of your own concoctions; some delightful and others disgusting! The only limit is your imagination.

Assembling the game is very straightforward and the rules are easy to follow: once a drink has been poured into the bottle simply roll the dice to determine how many times you must turn the handles (none, once, twice or “roll again”) turn the handles, prepare yourself for a shot and await your fate! Which turn of the handles will result in ‘one down the hatch’? Who knows, and that’s what makes it so much fun. Everyone will be lining up for their turn (or staggering, depending on how long you’ve all been playing). Yes folks, Drop Shot is one game you’ll want to play to lose as that means you get to drink loads of lovely shots – woohoo! This inventive game is perfect for a boozy party, a hen or stag night, or just for adding some wackiness to your nights in.

Well there was no debate about whether to use alcohol or not, and it was really easy to set up and play, we had a good couple of hours playing laughing and we ended up using it as a 'reward' for whoever got the best cards in our cards against humanity game, combined together we laughed more than we have done in a long time and it is definitely one game that we will bring out again and again especially with the party season upon us. 
Drop Shot is the ideal pre-drinks game that combines alcohol with raucous fun. Great to play with two or more players, you’ll be laughing from start to finish, and you just may become a little drunk!
A great addition to a night in or even as a warm up to a night out or works party, guaranteed to get the party started!!

Monday, 1 October 2018

Mum’s Marvellous Money Mentions for 2018


As a mother in 2018, there are a lot of obligations and responsibilities that you need to make sure you get right. It is things like money that play such a big role in the lives of modern families, and as a mother, it is up to you to take charge of this. You need to consider what you can do to boost the family’s financial future, and what it takes to take things to the next level.

Think about how you can focus on improving the way you manage your money, and what can be done to make sure it stretches even further. This might be difficult, but it’s certainly not unattainable, and getting this right as much as possible is so important for the future. Use the ideas and tips on here to make the right choice for you and your family financially.

Manage Your Money Better

Managing your money better seems like a vague suggestion, and you need to do as much as you can to focus on the best way of doing this. You need to think about how you can take better care of your money, and this means taking a vested interest in how much you are spending and how much you have coming in. There are a lot of things that can help with this, such as budgeting correctly and making sure you manage your money better.

Debt Management

Debt management is also an essential way of making sure you focus on improving your finances better. Come up with ideas that are going to allow you to boost your money and get yourself out of debt as much as you can. This is why you need to make sure you work with debt management companies as well as figuring out the best ways out of your money troubles.

Reduce Your Mortgage

There are also things you need to do to look at how to improve your finances and free up more disposable income. One of the best ways of doing this is to make sure you reduce your monthly mortgage payments. You can speak to your mortgage lender about doing this, and it is an excellent way of freeing up more money and helping you to improve the amount of money you have to work with each month.

Curb Your Spending

Curbing your family’s spending is something that you need to take charge of right now. This is one of the best ways of improving your money management, and you should look at how you can save money. Visiting and getting cheaper car insurance is a great place to start, and you also need to make sure you embrace eco-living as well. These are just a couple of the best things you can do to curb your spending and free up additional funds.

These are some of the best things you can do to improve the way you manage your money. There are so many things that you need to do if you want to be better with your money. This is something that so many of us struggle with, and it is the responsibility of a lot of mothers to get this right where possible.