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
‘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
Becoming energy efficient isn’t only good for the environment. It can also significantly help your wallet by cutting energy costs by up to 50 percent. While some changes are costly, one-time investments, there are many simple ones you can make for less money and on a daily basis that’ll help save energy, money, and the planet. Read more
It’s definitely time to start getting excited about the holidays, but of course, for all of the great things to look forward to in the coming weeks like spending time with friends and family, indulging in the best holiday food and drink, and decking the halls, there comes the less fun matter of how much it can all end up costing. Whether you have decided to try to spend less on the holidays this year or are feeling like you just can’t afford to go all out on seasonal luxuries this time, there are definitely ways that you can keep down the cost of having a fun and memorable Christmas – especially if you plan in advance! Read more
Life insurance is pretty much a must-have policy for anyone nowadays, and most people who can afford it have more than just one policy. However, the promise of future protection for your family does come at a cost, quite literally! In case you have recently discovered that the premium you are currently paying for your policy/policies is just too much to bear, rest assured that you are not the only one to make the mistake and more often than not, there are ways to get out of it. Read more
We all love saving money. These days, there are many ways technology is making it easier to save time and live more efficiently. However, it might not occur to us to use the technology at our fingertips to save on daily expenses. Read more
When most people hear the term “air pollution”, they think of industrial emissions, big cities, smog, and car exhaust. Typically the air we breathe inside our homes doesn’t come to mind, but it should. According to the EPA, the air we breathe indoors is often up to five times as polluted as outside, and Americans, on average, can spend up to 90 percent of their time indoors. But, don’t fret. There are many simple and inexpensive ways you can improve your indoor air quality, starting now. Read more
If you’re planning to go to college, student debt might be one of your most pressing concerns. It’s not always avoidable — after all, college is a requirement for many professions, and many low-income people attend college to try and raise themselves out of their socioeconomic status.
College can be a great way to find better job prospects, which means it can be a good return on investment. But if you’re looking to save money through college, it’s important to extend that savings to your student debt. When you’re choosing the college or degree you strive toward, use this state-by-state analysis of student debt for a better understanding of your financial state in college. Read more
The only thing more challenging than getting rid of debt is trying to do so without a plan. Paying down your debts depends on knowing how much you owe, to whom, and what your options are for doing so. So, let’s turn that cluttered desktop full of receipts, bills, and credit card statements into a system you can actually use to get out of debt.
Here are four tips for getting your personal finances organized, so you can get out of debt for good.
The human eye is an incredibly complex organ. It absorbs reflected light, focusses it, converts it into an electromechanical signal and sends that signal to the brain. And there you have it – the miracle of vision!
But there’s one thing the eyes aren’t too good at and that’s protecting themselves from UV rays. Our eyes react to bright light by forcing us to squint and constricting our pupils but they can’t actually filter UV. The biggest risk to our vision, especially as we age, is the thing that gives us sight in the first place, the sun.