Lower the cost of your book reading habit

IMG_1801-vignettecenter80If you love to read as much as I do, then you will know how expensive your reading habit can be. There is simply nothing finer than sitting down and reading a new book, but the costs can start to pile up.

There are a few things you can do to ensure you continue reading, but you lower the cost of your habit, and here’s how you can make a difference:

  1. Join your local library and borrow books from there – this can potentially save you a lot of cash, but you may have to wait until a copy of the book you want to read is available. You can only take out a limited number of books at any one time, and you may have to pay a fine if you take the book back late, but supporting your local library, and reducing the money you spend is always a good thing.
  2. Buy from online stores – they are often a lot cheaper than the books you would find for sale in a book store. I frequently visit sites such as com books and see what’s on offer there.
  3. Why not visit second hand bookstores? These are often treasure troves that are full to the brim of good quality pre-read books that are just waiting for someone to read them once more. Often less than half the price of new books, second hand books can be just as delightful as their newer counterparts.
  4. Yard sales – Many people have yard sales from time to time as they are a great way to get rid of junk, and earn a bit of cash. Who knows, there could be some great finds just waiting for you, and chances are they’ll be pretty cheap too.
  5. This pains me to say, but you don’t have to buy a book as soon as it comes out. I perfectly understand that sometimes you just want to read a book as soon as it has been published, but you could potentially save a nice bit of money if you wait a little longer.
  6. Buy from a charity shop – charity shops are great places that encourage people to buy second hand goods at a great price. The proceeds go to a charity, and you could potentially end up with a really good book.

As you can see, there are some great ways for you to lower the cost of your reading habit. This means you can potentially keep reading just as much (Or even more than you currently do), without paying out as much money, and that has to be a good thing.

Can you afford a little extra help?

Found_855293808_2036549If you’re a pretty busy person, then I’m sure you’d be pleased with a little extra help each day. Some people hire a cleaner, others hire a gardener, and some even hire a dog walker.

Personally, I like the idea that there are Licensed dog walkers out there who are more than happy to walk your pooch. I also like the idea that they can potentially save you a lot of time each day, while also ensuring your four-legged friend gets the exercise they need.

These days a lot of us are busy, our jobs call for us to go that extra mile, and we’re always looking for ways to do things a little bit quicker.

This is where a dog walker could come in and help you, they will walk your pooch twice a day if required, and maybe even ensure they’re fed too. A cleaner will ensure your home is clean, so you don’t have to spend time each day cleaning, sweeping, dusting, vacuuming and all the other associated tasks.

But the question is: can you afford a little extra help? can you afford to keep paying someone for work that you could essentially do yourself? The idea of paying someone else to make your life easier sounds good, but when it comes down to it, will you be able to keep paying them wages every week or month?

Here’s how you can work out if you can afford a little extra help:

  1. Think about all of your incomings, and work out how much you make each month.
  2. Think about your outgoings, and work out how much you spend each month.
  3. Take the above 2 totals, and subtract the outgoings from your incomings. The sum you come up with will show you how much cash you have to spare each month.
  4. Now take a look and see how much it costs to hire a cleaner, gardener and a dog walker.
  5. Take a look at the total cash you have to spare each month, and see if you really can afford to pay for a little extra help.

This is probably one of the best ways that you can determine the affordability of the help you have in mind. If it looks like you can afford help, then you may want to seriously consider hiring someone who will make your day a little less busy, and your life a little easier.

If you cannot afford to hire anyone right now, you may need to re-evaluate how you spend your day, so you can free up a bit of time.

Making cash doing what you love

DSC04319-BDo you have a hobby that you would love to turn into your job? A lot of people have something they would like to make a living out of, but not everyone is brave enough to go ahead and take the risk.

You don’t have to be stuck in an office

A lot of people assume that if you try to make money doing what you love, then you’ll be stuck in an office all day, but this isn’t always the case. You can make money by working for someone who offers a Full service dog walking service. This is a great way to earn cash if you enjoy walking dogs, and the fact that it gets you outside in the fresh air.

What about gardening?

My other half makes a living by gardening, she loves it and it’s all she’s ever wanted to do. Gardening can be physically demanding, but it can also ensure you’re in a lovely garden, getting paid for digging, weeding, planting, cultivating and so much more.

You will have to make sure that you have all the tools you need, and a way of marketing your business, but it’s definitely worth a try.

What about writing?

If you love to write, and you want to make a living out of it, there are ample opportunities for you to do just that. As long as you have a grasp of whatever language you want to write in, and what you write is grammatically correct, then you can potentially start earning cash. The good thing about writing for a living is that you don’t have to be stuck in an office if you work as a Freelance Writer. You can pretty much work from anywhere, as long as there’s an internet connection. Although the pay isn’t always great, you can boost your income by doing something that you love.

Dedicate time and money

A lot of people can and do make cash by doing what they love, you just need to make sure you can dedicate enough time and money towards your new pursuit. It could be that you begin your new found venture while still working in your current job. This is probably the most sensible way to go about things as it will ensure you can still pay your bills while you test the waters.

It’s time to think…

It’s now time to think about how you can realistically make cash doing what you love. You do have to be realistic about it, as a bit of realism will help you to understand what you have to achieve in order to make your bank balance a good one.

If there’s a chance you can make cash doing what you love, then make sure you grab the opportunity while you can.

How to save money for your wedding

savemoneyWhen the average wedding costs about £22,000, you need to do all you can to ensure you have the cash when you need it. With your big day looming, you’re probably making plans, trying to ensure everything will go ok, and save as much money as you can.

£22,000 is a lot of money, and chances are you could be saving up for your wedding for quite some time. This is one of the reasons why many people get engaged, and set a date that’s 2 years away. So, how will you go about saving the money you need for your wedding? You’ll be pleased to know that I have pulled together a few tips that will help you to save the cash you need:

  1. Give yourself a budget and stick to it- this is a great way of making sure that you lower your monthly outgoings, so you can put a little more aside for your big day
  2. Don’t be afraid to shop around – check out a lot different wedding stores so you get the best for your money. You can get some great Mother of the Bride Dresses from Frox of Falkirk, as well as the perfect wedding dress for you.
  3. Don’t take your credit card out with you – this could be a recipe for disaster, as I’m sure you’re aware. If you have a credit card with you, you’re more likely to use it. Keep your credit card safely tucked away at home, and only use it in emergencies.
  4. Set yourself some savings goals. Try to save £1,000 by the 1st of November, for example. Don’t forget to monitor how your savings plan is going, so you know exactly where you are.
  5. Save that bonus you got from work, or that fiver you found in your purse – Every penny and pound adds up, and it will make you a little closer to your goal. It doesn’t matter if you only manage to save an extra £5 each week, it all helps.
  6. Try to cut down on those unnecessary expenses – Do you really need to buy new clothes every month? Do you really need that £50 TV subscription? How about your weekly takeaways? Can you cook the meal yourself instead? Try to make cuts where you can, and you’ll soon find your savings will increase.

Start saving money as soon as you can, and try not to rely on your credit card to pay for your wedding. The more money you can save right now, the less you will have to pay back at a later date.

Start saving for your big day now, as it will come ‘round a lot quicker than you think.

5 things you should about debt arrangement schemes (DAS)

The Debt Arrangement Scheme, popularly abbreviated to DAS, is a government-backed debt management plan available to the Scottish citizens aimed at enabling individuals to repay their debts through a debt payment programme (DPP). Applicants who are eligible for the scheme and are approved to get one will get a reprieve from paying interests, fees and any charges on outstanding debts and be safe from any legal actions that creditors would take against them. In return, the creditor agrees to pay the outstanding debts over a reasonable time in instalments that suit them.

Since it was introduced in 2004, the DAS has been a very instrumental law that has helped many people repay their debts and protect themselves against court action. However, that is not all. There is a lot you need to know about DAS and although this post does not highlight all of them, it does focus on a few essential elements of DAS that you probably were not aware of. Read on to find out.

1. DAS is a scheme, not a payment plan

Before you jump on it and see it as a saviour from all your debts, understand that Debt Arrangement Scheme is just a statutory scheme and not a payment plan that just protects you from legal actions while you work to pay your debts. Applying for DAS is not the same as filing bankruptcy.

2. Interest and fees charged on your debt is frozen

Perhaps the second most important thing about the Scottish debt arrangement scheme after the relief of paying the much you can gradually is that once you are approved interest and other fees on your debts are frozen. Your creditors will freeze any interest and charges meaning that you will be set to clear your debts sooner than you otherwise would have.

3. DAS is flexible

When you have debts you have trouble repaying, your life will also be full of ups and downs, but the debt arrangement scheme is designed to be flexible enough to change with the situation. All you need to do when the times are hard or when you have things working for you is talk to your money advisor suggesting the changes you want to make.

4. You can take a break from the payments

When a time comes when things take a dramatic turn and your income slumps by more than 50 per cent, you can talk to your money manager about taking a break from making the payments for up to six months. This is understandable if you lose your job, go on a paternity or maternity leave or when you and your partner split.

5. Your creditors will leave you alone

While your creditors cannot take legal action against you for having difficulty repaying them as agreed, you will be happy knowing that they cannot demand payment from you as long as you are in the DAS register. The DAS register is accessible by all your creditors and they are required to desist from taking any action while you work on a debt payment plan.

You should also know that you can include your household bills such as power, water and telephone bills, mortgage, rent and other levies, including council taxes. This basically means that the Scottish debt arrangement scheme is an umbrella that will shelter you from the raid till you get back on track.

Planning for Financing your Wedding

Planning for Financing your WeddingThe wedding day is perhaps the one day, if there had to be one, when you want everything to be perfect; no detail missed, and nothing worse than it could have been; and because of this the cost of your wedding can reach dizzying heights if left unchecked and unplanned. In this article I hope to give some advice on how to keep your finances in check and not allow yourself to run into a huge amount of debt to start your married life.

Make a budget

This is extremely important in the planning stages of your wedding and preferably done in advance so that you have enough time to incorporate changes that happen, or any unforeseen event. Once you know your budget you can be much more disciplined and not allow yourself to be tempted by small nice things which will add up and add up. By doing this you will find good deals for the money you assign to the wedding.

Decide on the type of wedding

This is fairly connected to the previous paragraph and both will influence each other, the major factor in this is which one you decide on first, and which is more important to you. More likely than not, you will be more preoccupied with the type of wedding you want to have, and will work around that. Things such as how many people you want to invite are going to lead to things like how many people you are going to have to feed, and how many people you are going to have to employ to keep them all served and happy for the duration, which will lead to the size of the location having to be considered too.

This is just one part of the many things that you have to really plan for. One detail will lead to another and you will find that if you do not think of everything to the end you will encounter more surprises than you need to.

Consider all the details

As I mentioned above if you do not plan for everything, then things can go wrong because you will come across situations you simply were not prepared for. There are many details that have to be properly and carefully considered, and many of these will be things that you may have overlooked, like having a photographer to capture the whole event. This is a good example of when you give yourself enough time you can find a good photographer for a good price and that is very experienced such as Pauls Studio.

Getting the best for your money

Getting the best for your moneyIt’s so important for you to get the best for your money no matter what you do. Whether you’re buying your weekly shopping or you’re looking for a new car. You need to try to get a bargain because if you’re not careful you can spend more than you really need to.

I always do my best to save money or get the best for my money where I can. This can be easier said than done sometimes though. The good news is that if you follow these simple tips you could find yourself spending a lot less:

  1. Ask yourself if you really need it – If you walk past a shop window and see something you like, ask yourself if you really need it. This is what I do each time I see a new jacket for example. I think ‘Do I really need it?’ and think about how many jackets I have at home. I then give myself at least 3 days before I consider buying the item, if I still want it I go back and buy it. Usually though I forget about the jacket, and when I remember it a week later I realise I probably didn’t need it in the first place.
  2. Can you get it cheaper elsewhere? – It’s always worth shopping around, no matter what you’re looking for. Recently my sister wanted to buy an LED mirror for her bathroom and rather than buy the first one she saw, she shopped around. Doing this saved her £35 because she found it cheaper somewhere else.
  3. Wait until the sales hit the shops – If there’s something you need, why not wait until the sales hit your local shops? You can usually save a nice bit of money this way. Make sure you don’t buy something for the sake of buying. I’ve seen a lot of people go mad when a sale is on because they can get something quite cheap. Even though a nice new microwave is reduced by £20 it doesn’t mean you have to buy it if you have a perfectly good one at home.

The above 3 tips can help to save you a bit of cash and make you think before you part with it. Try not to impulse buy, and always try to plan your shops if you can. You’ll be grateful you did when you work out how much you’ve saved.

Finance – Anglo Nordic

Finance - Anglo NordicEffective tips to save on heating oil during winter

Living becomes very difficult in many ways during the winter season, not only because the cold makes it very difficult to get things done or to get from point A to point B but also because there new huge expenses that you have to meet just to keep warm. As the winter is fast approaching, you will need to be prepared for the cold months and find ways to spend as little as possible and save when you can. As the times get more difficult and the economy being in a downward slope, many tenants and home owners get very fearful on how they will afford to keep their families warm and comfortable as the cost of heating has shot up. Now that you found this post, I have a few tips that will certainly help you save some pounds on heating. Continue reading

Buy Instagram Followers and have them Instantaneously Delivered to Your Account

Buy Instagram Followers and have them Instantaneously Delivered to Your AccountAre you on Instagram and wondering what to do since you do not get that large following you wanted? You can buy instagram followers and have your problem solved within no time. You need not scout around for the best site either. Follow factor is here to do all this for you at a very friendly cost. It is clear that Instagram has millions of users and all these are competing to have their accounts recognized by the largest number of people as possible to boost their social presence. It is clear therefore that the only way to stand out among them is to go that extra mile of buying followers. This is because if you wait for your account to generate followers by itself, it may take you centuries to achieve this. Why wait when you can hasten the process? Continue reading

How much is too much on Hair?

How much is too much on Hair?People consider hair to be a very important part of the body which requires a lot of attention, and consequentially a lot of money to get it to where you want it to be. Not only is there all the money on products such as shampoos and hair straighteners and curlers, but also all the haircuts and anything else extra that you decide to use. Whether or not you would prefer to spend more or less on your hair, money will always be spent, and the question must be asked whether it is better to spend a lot of money for something that is good and durable, or less money on something that doesn’t work so well. Continue reading