Author: Susan

5 Critical Investments You Need for Your Business to Succeed

If you’re planning on going into business for yourself, you probably already know it will cost a lot.  What you may not realize is just how much.

According to the AARP, the average cost of starting up a business is around $30,000. That’s a lot of investment for something that has a high potential for failure. Statistics show that 80% of new businesses fail before they reach their tenth year.

If you are committed to starting your own business, be smart about it. Put your money where it will serve you best by investing in these five critical areas. Read more

5 Effective Ways to Turn Your Skillset into a Sustainable Career

The American dream has certainly changed. In our parents’ time, the dream was to get a stable job you could retire from, own a home, and start a family. Today, it’s very rare for employees to stay with the same company for 30 years. People are much slower to get married and have children than in the past. Home ownership is now outpaced by renting. It’s safe to say – things are different.

When it comes to work, even the very definition has changed. It used to be defined by an office setting, with a 9 to 5 work schedule, a suit and tie, and saving towards retirement. Now, younger members of the labor force are abandoning security to pursue freedom. They want to work their own hours, be their own boss, and live the life they desire right now, not when they’re 60.

If you’re one of these people, you’ve got a rough road ahead. It’s tough to be your own boss, and cut yourself off from the security of a salary job. But if you succeed, you can join the small percentage of people who are pursuing the lives they always dreamed of, without having to ask for vacation time to do it.

To help you get started, here are five effective ways you can turn your skillset into a sustainable career. Read more

How To Make The Most of Your Investment In ISAs?

With the start of the financial year fast approaching, this is the best time to look into your Investments Savings Accounts (ISAs). Every year on the 6th of April, you get to see for yourself how hard your money is working for you, as a new financial year is rolled out.

Whether you are a veteran ISAs investor or you are just starting off, this guide will help you to understand the intricacies of ISAs. Likewise, you will get to learn on the ways on how to make the most of your investment in ISAs.

The beauty with ISAs investments is that you are exempted from income tax or capital gains tax on the interest earned.  Read more

3 Ways to Boost Your Business on a Budget

Frugality may be the order of the day, but that doesn’t mean you can’t get similar results in business to those who spend thousands on major campaigns. While money makes money, doing things on a budget can also result in a huge return on investment (ROI) and achieve business and marketing objectives that you have set out. These range from using PR stunts to get people talking, sales promotions to entice customers to your brand, and direct marketing. Read more

How to Manage Your Cash as a Full-Time Freelancer

Earning your living as a full-time freelancer has its upsides, and it’s downsides. On the one hand, your freelancer lifestyle means that you’ll be able to achieve a better work/life balance and set your own schedule. You can even avoid the annoying commute to work each morning if you’re happy to work from home. However, as a freelancer, you’re also in a position where your income is never completely guaranteed.

The good news is that just because your money is often unpredictable as a freelancer, that doesn’t mean that you can’t do things to improve your income management strategy. As a full-time and self-employed freelancer, there are various strategies you can put in place to give yourself financial peace of mind.

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Enjoy Yourself Online the Frugal Way

Living a frugal lifestyle can sound like a lot of work to those considering it, and having to give up some of the things you enjoy in order to save money isn’t a pleasant idea. However, once you start to do your research, you’ll find that there are many different ways to enjoy some down-time for little or no money, especially online! Read more

Top Energy Saving Tips For Your Household

According to energy market regulator Ofgem, as of April 2018, the average British household spends £94.83 per month on their gas and electricity tariffs, or £1,138 a year. We’re spending around 4% of our household incomes on energy, a figure that rises to 8% for low-income households. Energy prices have been rising over the last three years and will likely continue to rise, as resources become scarcer and new regulation and taxes are placed on greenhouse gas emissions. Read more