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How Millennials Can Use Technology to Stress Less About Money

The millennial generation, along with generation Z, has gotten a bad rap for being less than savvy with their finances and education. However, this is the media. In fact, these two generations are not spending the way generations past did. They also don’t want the giant debts from college and home ownership with which many have been saddled.

They’re looking for solutions to leverage money as a tool and they look first to technology. This is no surprise because they came into this world with technology. It’s been the babysitter, teacher, and knowledge base for them. So, here, we’ll teach you, the millennial reader, how to use technology for your financial education. Read more

Overdone it With Online Payday Loans with Instant Approval this Festive Season? Here’s How to Live Frugally Come January

Christmas is a time for overindulgence, there’s no doubt about that. We eat more, we drink more, and above all we spend more. The problem is, a lot of us end up spending money that we don’t actually have and therefore end up in debt come January. Did you know that as many as one in three Britons admit that they’ll struggle with day to day spending come January because of overspending at Christmas?

With that in mind, it might be too late to tell you how you should spend your money carefully at Christmas. With less than a week to go, the damage is usually done – but all hope is not lost. Enjoy your Christmas, then we’ve got some tips on how you can live more frugally and boost your finances back up this new year. Read more

How to Stop Letting Money Control Your Happiness

If you often find yourself thinking, ‘If only I had enough money, I would be…’, it could be that you are letting your finances control your happiness. In order to take back control, you need to work out where your money is going – and then track and manage it successfully.

Here are some tips on how you can stop letting money control your happiness. Read more

6 Ways to Save Money Every Day

If you ever wonder where all your money goes, it could be the right time to have a look over your finances. Spending money is easily done, which is why it’s important to keep track of it so that you’re not going over your budget every month. There are many ways that you can save money every day, and for your convenience, we’ve listed a few ideas below. Read more

How Careful Research Can Help You Cut Costs on Everyday Expenses

As we head into a new year and a fresh decade, many of us are likely to make resolutions about being better with our money. We’d all like to have that little bit extra in our bank accounts – whether it be to treat ourselves with a holiday or to keep saved up in the case of an emergency.

Whatever your reasons, there’s no denying that it can be easier said than done to change our spending habits. It’s easy to point to the sizeable, one-off costs – such as a new pair of trainers or a designer handbag – as reasons why you find yourself in a monthly struggle to reach payday.

But often, making adjustments to your everyday expenses can yield the greatest savings on a consistent basis – and all it takes is a little bit of planning and research. Here, we’ve detailed three simple tactics you can employ to help alter your spending habits for good. Read more

How to Make the Home-court Advantage Work for Your Business

Did you know that, on average, a professional sports team wins around ¾ of their home games?

Ask any sports team if the home-court advantage is real and they will happily confirm it for you, as well as tell you that same advantage can be put to work for your business.

Face the Denver Nuggets on the road, for instance, and they are nothing special. Face off against them at their Mile High stadium and suddenly they’ve got a 5280-foot home-court advantage that you have to overcome.

If a team like the Nuggets can face down the best in the NBA, just on the back of their home-court advantage, there is no reason your business can’t do the same thing.

The evidence for the home-court advantage isn’t just anecdotal either, there is some real science behind it. A recent survey by the prestigious School of Management at Yale University surveyed over thirteen thousand recently incepted businesses and found that business people that started their businesses in areas where they have extensive connections made greater earnings and had a reduced failure rate compared to those who started their business in previously unknown locations.”

On average, the study found that a business operated by someone located in the same area for five years made almost $6,400 more in yearly revenues and was 6% less likely to fold.

In this article, we’ll be looking at how you use your local home-court advantage to help you business flourish. Read more

Top Tips on How to Save Money this Christmas

It’s beginning to look a lot like Christmas, isn’t it? Everywhere you go there are sparkling trees in the window starting to emerge, festive jingles are playing, and it’s damn near impossible to switch on the TV without yet ANOTHER heart-warming Christmas advert coming on without warning – and it’s only mid-November. The fact is; the festive season is wonderful. It’s the perfect chance to reconnect with people, spend time with loved ones and to eat to our hearts’ content – the problem is, however, that isn’t the whole of it. Christmas time is renowned for its mounting pressure on society, both emotionally and financially. There is so much pressure to have the perfect Christmas, that many of us end up overspending, and ultimately ending up stressed about money. If you’re feeling a little perplexed about splashing the cash this year, then here are some top tips that could help you to save money this Christmas. Read more

Getting Out of Debt After Overspending at Christmas – How is it Possible?

‘Tis the season to be…in debt? Fa-la-la-la-la-la… Doesn’t quite have the same ring to it as jolly, right?

Unfortunately, however, this is the harsh reality for so many families all over the world when the festive season comes to an abrupt end. January comes around straight after the new years’ eve celebrations, and with it the harsh awakening of bills coming through the door. We’re currently in mid-November, which we’re right at the beginning of the building excitement that comes with the beginning of the festive season in a few short weeks’ time. Whether you’ve already done your Christmas shopping, or are yet to begin and are concerned about how you’ll actually afford it, there are ways of getting out of debt after you’ve overspent at Christmas, and here’s how. Read more