Friday, 11 October 2019

Three Moves To Make Smarter Money Choices Every Day

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Every day, we face lots of small financial decisions. We want to make smarter choices so that we can provide for our families and save for their future, but these grand resolutions can often fall down when it comes to the daily choices that we make. They seem small and insignificant, but actually the money decisions we make on this micro-level are born of habit, and they work together over a lifetime to define our financial position.Sorting out your underlying approach to money is a fundamental shift, but it can pay dividends to challenge the lazy financial habits we can slip into and create a bright road ahead through making conscious, informed choices.

Get The Long Term Mindset

How many of us are guilty of living paycheck to paycheck and never really thinking further than next month in anything but the vaguest terms? But building lasting wealth is about seeing the bigger picture, and keeping it present in your mind during each daily challenge.This sense of perspective should influence every financial decision we make, from opting for that expensive take-out latte to shopping for a new family car, setting up a retirement fund or saving for a family home. Start by logging onto your bank account and really analysing your daily transactions over the last month. Notice the habits you have - such as ordering that Deliveroo every Friday night. Then add up what that habit costs you over a year. Next, calculate how much that same amount could generate if you were to invest it instead. Savings apps like Moneybox often contain a handy projection feature that can show you how much an investment is likely to make you over a year. Get real about what those daily habits are actually costing you.

Shop Around For The Best Deal

Too often, we get into habits with things that mean we end up overpaying because we don’t shop around. The mad thing about that is that it's now easier than ever to compare prices thanks to the internet. Everything from making sure you’re on the best tariff for utilities, so using the Amazon Price Match feature to ensure you don’t overpay on purchases, to shifting your insurance on a yearly basis once great introductory rates have ended. Before you purchase anything, ask yourself if there’s a way to get a better deal. Building this kind of planning in is a great idea for large purchases- for example working with a dealer like CC Specialist Cars to secure the vehicle you want pre-owned - but it can also pay off with smaller items, but delaying impulse buys and giving you the time and space to question if you really want something.

Fund Your Lifestyle With Cash Not Credit

Credit cards shouldn’t be seen as evil - they are a useful financial tool in the right hands. But the danger comes when people use expensive credit to fund their lifestyle. Meals out, new clothes and things like that should never be purchased using credit, unless it's a zero percent deal that is paid off before it attracts interest - and even then it's not a bright idea if you aren’t very financially responsible. Use credit wisely to cover genuine emergencies or give you the option of breaking a large planned essential purchase and instalments. If you do use one, always aim to get a low or zero introductory rate and pay the balance off as soon as possible. If you find yourself reaching for credit just to get the groceries, then it's definitely time for a budget rethink.

Monday, 30 September 2019

Bring More Comfort Into Your Home!


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Your home can go a bit unappreciated from time to time. It happens to everyone; you spend every day in the same four walls, and it can get a little...well, boring. You once fell in love with and spent weeks, even months, decorating and turning it into a home for you and your family. No, it just doesn't have that same spark anymore. You might feel the temptation to move and start afresh, but that comes with its own host of inconveniences. If you want to feel that spark again, there are some much simpler ways to it. Here are some ways to help you fall in love with your home all over again.

A new coat of paint

It might sound simple, but a fresh coat of paint on the walls can make so much difference to the way a room feels. Look at your walls and ask yourself "do I even notice this colour anymore?". There's a good chance that the answer is no. You want to be able to walk into a room and feel the energy in it right away. So why not think about brightening things up. Find a colour that goes with your decor. Perhaps even pick one wall as a feature wall to stand out as boldly as possible.

Let yourself relax

If you want your home to be as pleasant and comfortable as possible, you need to be able to relax. One of the best ways that you can do that is to make sure that your furniture is the highest possible quality. After all, if you can't even sit down in the evening without hurting your back, you're never going to feel comfortable in your home. Brands like Buoyant sofas give you all the comfort and support that you really need. That way you can actually take the time to sit back and relax at home.

Go with the flow

Do you have a room in your house that you just don't like as much as you possibly should? There's nothing particularly bad about it. It does its job just fine. But it just feels wrong? Sometimes, creating a more pleasant atmosphere comes to down to one word: flow. If a room doesn't flow then it's never going to feel like somewhere you want to spend your time. Rearrange your furniture. Re-think how the room can look. Are all the seats pointed at the TV? Switch them around, make it a better space to spend time with friends and family. You'll be amazed at what a difference it can make.

Make some space

We all have things we love but don't use. Stuff that just ends up cluttering up your home because you can't bear to get rid of it. The best thing to do is think about storage solutions. That can be making space in the attic or garage, or even looking into a personal storage container. Making space in your home can breathe new life into and leave you feeling happier and more comfortable every time you walk through the door.

The reality is that if you want your home to feel comfortable, you need to be willing to put in the effort to give it a personal touch. After all, you know what you want from your home better than anyone.

Tuesday, 17 September 2019

What Car is Right For Your Family?

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When purchasing a new vehicle, there are many variables that run through your mind. In fact, we have recently published a post that discusses this at length, and should help anyone semi-interested in gaining the best automotive deal ask a set of worthwhile questions to this end. However, once you have answered these questions and have found some answers, what is next?

Well, within those parameters, finding out which car might be most suitable for your family is a worthwhile sticking point. Of course, you may save money on a smaller hatchback, but does that mean you can never bring a guest or other member of the family with you on a road trip if the car is also occupying your family members? How about the purpose you wish to use it for? Additionally, how do you know what standard of car to purchase, as any decision we must make going forward is almost always bound by a discerning financial choice.

For that and more, please consider our advice. We can only hope it helps:

Utility

What do you hope to use the car for? Do you hope to use it to carry materials related to your business while also embarking on the school run? Do you run a smallholding and need power enough to drive a trailer with potential farmyard animals inside? Do you need great fuel economy, or perhaps the ability to use a specialty car seat for a child with a learning disability? The variables here are numerous, so it’s essential to write down what is the most important factor for you and to make a decision from there, slowly ticking off the priorities as you head down the list.

Feasibility

What is within the best financial wheelhouse for your family? Could it be that with Martin Brothers’ Motor Company you are able to get the best finance deal on your vehicle? How about the potential maintenance cost, have you found out through owner’s clubs online that your vehicle isn’t quite as feasible as first predicted? It may be that you wish for a car that can use replacement parts from many worthwhile vendors, rather than overpriced proprietary models. With this in mind, you can make a more informed decision.

Environment

To further our smallholding example from before, considering your mainline driving environment is essential. Do you live on winding rural roads, facing tractors and other farm machinery in front of you from time to time? Do you need good road traction and 4x4 wheel drive? Or do you live in the comfort of suburbia, giving you the space for a hatchback? How much additional driveway space do you have? What fuel economy are you looking for, and have you thought about your environmental impact that wy? It’s these decisions that can help you become a much better and more ethical driver, but also find the right solution for you.

With this advice, you’re sure to find the best car for your family.