Get Smarter In 2017: How To Save More Money

Last year was- according to the wisest brain in the world, Kylie Jenner- the year of ‘realizing things’. Considering what happened in global politics, it would appear that a lot of people felt the same way. What was 2016 for you? If it was a year of spending money on things you didn’t really need to get away from the horrible strain of realizing things, you’re definitely not alone. But 2017 is a fresh new start, away from the credit card bills that are still giving you nightmares. The nice thing about a new year – and it is still relatively new – is the chance to start over and to start being a little more financially responsible. Here are some tips on how to make and save more money in 2017.

Cut Back On Non Essentials


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The first thing to cut out here is, sadly, gym membership – but luckily there are plenty of ways to keep fit on a budget. If you prefer exercise that really gets your heartbeat pumping then you could try running – just make sure that you buy supportive running shoes. If you’ve never gone running before then you could start with a brisk walk, or you could even try out Couch To 5K which will help you get up and running in no time at all. If you prefer exercise that’s a little more gentle then you could try hiking at your nearest beauty spot, or you could try out some yoga videos on YouTube at home. Not only will this help out your spiritual health, but it’ll also help to increase your core strength and help you become more flexible and balanced.

Start Eating Fresh


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One of the best ways that you can save a little money is to learn to cook. Not only is fresh food much better for you but it’s also a lot more reasonably priced – and you’ll be gratified when you remember that your money’s paid for food that’s free of all the extra sugar and salt that goes into convenience food! Look online for cheap and healthy recipes that are easy to make and make sure that you stock up on essentials like a good rack of a variation of spices, rice and flour. Make some great chicken stock to freeze so you always have the basis of good healthy warming food for winter, and when summer comes remember that you can throw together incredible salads without having to break the bank and your wallet in order to do so.

Go Second Hand


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Luckily for us all, vintage clothes are more in now than ever before, no matter what era you’re into. Eighties power shoulders can look great, and so can nineties grunge and seventies punk. No matter what your style is, you’ll be able to find some items to suit it online on sites like eBay and in second hand and thrift stores. Chances are, they’ll be much better condition than all the wannabe vintage clothes in high street fashion stores and they’ll last you a long time no matter how often you wear them.

Get A New Job – And Make Sure You Negotiate


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If you’re having cash flow problems and you’re not even particularly keen on the job that pays you what little money you do have, then maybe it’s time to move on and look for something new. The thing about job hunting when you already have a job is that you have to be extremely strict with yourself in terms of setting some time aside to look for and then apply to jobs. You might have to cut back on socialising for a while – but that’ll help you save money too, so in the long term it isn’t the worst thing. If you really want to get a new job then it’s important to prioritise that in your life. Once you get a new job it’s important to make sure that you get the wage that you feel you deserve. A lot of the time, women don’t take chances when they apply to jobs – and they also don’t make sure that they get the pay that they deserve, so it’s important to make sure that you get paid what you should get. Remember that your experience is worth money, and that if you don’t ask for what you feel you should get, there’s no chance that you’ll get it. It’s better to be too assertive than not assertive enough. In this world and current climate, we should all do our best to be ‘nasty women’ – aka women who know what they want and who go after it.

Look For Deals


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If you want to save money then it’s important that you start looking for deals – and just as important that you make sure that you don’t buy things just because they’re on offer. If your regular soap is in a three for two deal then great – but if not, pass it over. Remember to look online on sites like DontPayFull for great deals and coupons that can help you get a good chunk of money off your grocery shopping.

Make A Budget


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Make sure that you budget your cash carefully – make an Excel spreadsheet so you can clearly see what your incomings and outgoings are every month. Although you may not think you spend much on your daily Starbucks, by the end of the month you might be stunned at how much you end up spending there. Making a budget can help you figure out what you need to change and give you the impetus to stick to it. One fantastic way to save money is to pay with cash every time. Somehow when you pay with card it doesn’t feel as though you’re parting with real money – until you look at your bank account with utter horror later that day. At the beginning of each week, take the amount of money that you want to spend over the next few days out, and make sure that you stick to your budget very rigorously without resorting to using your credit card and racking up any debt.


Accident & Injury Affecting Your Finances? Here’s What You Need to Know!




Accidents happen all the time. Nobody plans for them, but when they occur they can have a damaging impact on your life and that of your family. There is more pressure on everything from your relationships to your finances, and in certain circumstances, you can end up losing a lot of money. To prevent serious problems arising, your best bet is to prepare yourself for the worst – with a little luck you will never need to use these ideas, but at least you are covering yourself with the basics. Let’s get started with everything you need to know.


Your work situation


First of all, any injury or accident could see you needing to take time out to recover – and that could spell trouble with regards to your employment. It’s vital to keep on top of your rights at work and check whether you will be eligible for any sick pay. The chances are you will get some, but it will be significantly reduced in comparison to your regular wage. It’s also critical to understand that your life may be very different in the future – perhaps even meaning you will need to quit work. An inability to work can have a massive impact on your household earning potential. For this reason, it is highly advisable that you take out insurance to cover you for any accident you might have in the future. It could be the difference between struggle and a reasonably comfortable lifestyle.




Your personal life


Don’t underestimate the impact a long-term injury can have on your personal life. You might have to question everything you know about yourself. When you can’t earn money for your family, or meet their needs, or feel like your situation is getting in the way of their life goals, it can be pretty devastating. Those feelings you are having could quickly turn to anxiety or stress, which in turn could lead to severe mental health issues, and even physical conditions such as stroke or high blood pressure. In short, many people that experience personal injury can often end up in a tough position.


Your claim


With all this going on, it’s no surprise that you should pursue any claim for compensation you are eligible for with aggression. The simple truth is that without compensation, your life could end up in tatters, and it will be a struggle to survive. It’s important to speak to a personal injury lawyer as soon as possible, while the accident is fresh in your mind. Your attorney will be able to guide you through the process and pursue the right level of compensation that you deserve. In an ideal world, everyone would get the compensation due to them, which would over them for medical fees, lost wages, necessary lifestyle changes, and all the other expenses and lost incomes an accident can bring. However, the reality is that without a lawyer fighting your corner; you could end up with a small payout – far from what you deserve. Don’t forget, any claim you make will be vigorously defended by the other side, and their aim will be to reduce your compensation as much as possible.




Debts and ongoing financial problems


Your compensation claim should include covering you for any debts or lost earnings that are due to the accident – assuming someone else is at fault, of course. Debt is especially relevant, as your loss of earnings will mean that you can’t keep up to date with all your current payments for credit cards, mortgages, or car loans. Bear in mind that the lender may not be all that sympathetic to your situation, although you should find most will give you some leeway. However, the simple facts are that they will want their money back – or you could end up in more debt – and things can quickly get out of control. If these events occur, it’s vital to move fast. While your compensation might cover you – eventually – there are no guarantees, and you should get in touch with a nonprofit debt organization to assist you while you are waiting.


Adjust your spending


While waiting for your compensation claim to go through, it’s vital to have a good think about your current spending levels. Are there any areas where you could make cutbacks? Don’t forget; it can take a long time for a personal injury case to be heard – sometimes over a year, depending on its complexity. So you will need to start thinking about your spending and make some adjustments.


An accident and injury can have a severe impact on your current lifestyle. Ensure that you have insurance cover and seek out the best lawyer you can find if the worst happens to you. All the best!


Sick of Spending a Fortune To Run Your Home? Three Things You Can Do To Cut Costs

There are so many things that we need to pay for as parents that run a home. It can seem like we spend money daily and for a lot of it, there is nothing to show for it. It can be easy to set a budget and stop yourself from spending on unnecessary things. But what about the things that we need to buy? We can look for ways to be more savvy when we shop, especially with all of the essentials like food. We can always be better at it, though, right? So here are some ways to save the on the cost of running a family and a home.




Meal Plan


When it comes to food, it can be hard to make too many cuts. We all have to eat. But we can all waste less and in wasting less, we will spend less money. So one of the best ways to do that is to plan your meals. You could just plan the family evening meal, or plan every single thing that you will eat, from breakfast to snacks. However you do it, just make sure you stick to what you have. It can take a little time to prepare your list, but you will be making plenty of savings in the long run. The key is to also to not plan meals with ingredients that you don’t have in the house. Use things that are in your cupboard, fridge or freezer and just buy things to supplement the meals. Then you’ll be the most efficient when you meal plan. You can find meal planners online, somewhere like


Change Your Lightbulbs


We all need to light our home in one way or another. At different times of the year, we will need more light than at others. But if you have light bulbs to make your home cheaper to light, then it will make a massive difference. LED light bulbs are the best on the market for energy efficiency and for being long lasting. You don’t have to sacrifice on light brightness or quality as you do with other energy efficient bulbs. So they are worth getting. You could browse somewhere like to see the kind of price that you might be paying. They can be very worth it, though.


Make Your Home More Energy Efficient


One of the biggest costs of running a family home is the heating and electricity. When we have teenagers charging cell phones or kids watching TV, it can make the bills higher and higher. So if you can make your home more energy efficient, it will help you to save. You could wash your laundry at low temperatures for starters. The low temperature means that you don’t have to pay to heat the water that will need to get really hot. But as it is only for a short amount of time, it is really inefficient and wastes a lot of energy, but costs you a lot. So wash on cold and only use the dryer when you have to; roll on summer and warmer weather!

Shake Up Your Finances In The New Year And Get Back On Track

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Sometimes, regardless of the good choices we make, or how hard we try to stay on track, we can have problems with our finances. It’s not always easy to know what we’re spending and how, especially when it compares to what we earn. And when that happens, our debts can begin to pile up.


When we’re in debt, it’s not nice to have to live with it. But, it doesn’t have to be that way for the rest of our lives. You can actually work on getting debt free and stay that way for life. So, why not work on getting back on track ahead of the new year with the help of these tips and tricks.


Work Out What You Earn & Spend


The first thing you can do to help yourself out of debt and to get your finances back on track, is to work out what you earn and what you spend. You might know what your yearly salary is, but what does that work out to be each month? Also, if you have more than one income source, it can be difficult to know exactly what you make each month. Then, you should do the same with your outgoings, just to see where all of your money is going each month. And, it can also help to know exactly what you owe and to who (if you have debts). That way, all of your finances are completely transparent.


Talk To Your Creditors


Next, in order to help clear down what you own and get out of debt, speak to the banks of financial companies that you owe money too. See if there is anything they can do for you. You might be able to reduce your interest rates, write some of it up, or change your payment amount. Either way, you won’t know until you have that conversation and it can stop your situation from getting any worse.



Start To Cut Back


Then, it’s time to start cutting back with what you spend. If, when you worked out all of your finances, you’re spending significantly close to what you earn each month (or even over it), this will be a huge step for you. It will also stop you from getting into any further debt. Work out what all of your parents are for, then see what you can cut out in order to save money going forwards. When you are spending money and paying for items you buy, you should also start to think more carefully. If you’re conscientious when you shop, you’ll soon start to see ways in which you can cut back on your spending and maybe even try to save more.


Think About Your Future


And then, you’re going to want to think about your future. If your credit score or file has been affected, you might find it hard to get further credit in the future. This might be okay for now, but it could harm you in the future. If you’re looking for a specialist mortgage or bad credit auto loans to take out now, you’ll have to shop around for the best rate. Or, you could work on trying to pay off some of your debt and then see what options you have.


Vladimir’s – Your Stepping Stone to Forex Trading Success

Vladimir of Vladimir’s Forex Signs and Mentoring System is a well-known dealer and so as a popular Currency Trading teacher. Over time, he trade on his own benefit as well as for big hedge funds. He’s developed an sRs Tendency Rider System. Now let us see what Money Trading is.

Currency trading involves significant risk of loss – this means that it might not be appropriate for all. The money trading or foreign exchange (Forex, FX) marketplace is the largest, quickest growing marketplace on earth world.

Its tool service is definitely impressive. The signs are extremely great. The opening is the most effective. Every day it is possible to see a brief review on the industry. This really saves you of time. It’s just crucial that you take time to read all openings also to see all beginner videos. After that and you set up your meta dealer signs you just want 20 minutes a day for viewing the videos and trading. Vladimir has really large encounters that would be beneficial for newbies and those who are interested to learn more about the field. Instead of getting used of quite a large forex library with videos and tools, the top Service in forex and of Vladimir’s will supply you learnings that will run a long number of years! You may also check this Vladimir Forex Signals review.

How do you gain in Forex? Unlike the stock market, where you truly buy shares, FX Trading doesn’t need real purchase of the money (you’re trading) but instead, calls for contracts for the quantity and exchange rate of the currency pairs.

The bonus of trading forex is the routine day-to-day changes of the currency exchange markets, typically around 1% are multiple by 100 expected to Leverage; making your first investment quite rewarding.

Just how do I track my forex trading? At anytime, anyplace, online together with your Smartphone (iPad, Notebook…), it is simple to get your account to track and alter your trading status and remove your gains.

Among typically the most popular methods for trading is by subsequent “signs.” In the event that you have ever heard the term “Forex Signals” but needed to learn about its positives and negatives, and whether it’s acceptable for you personally or not, you can to read until the end.

To be exact, what is a sign service? A Signal Service supplies alarms on trading opportunities. Whenever the dealer enters the marketplace, he also sends an alarm to his subscribers, giving them the possibility to enter precisely the same trades as him. Some services also supply an automated robot, sometimes called a Commerce Copier or a Commerce Cloner. This robot will do exactly the same trade on your client’s account, so customers do not want to really go to their computer and run the signs manually.

Why can I work with a sign service? Whether you a new or seasoned dealer, there are sign services out there wherein it will lead to your own gains or place you to the proper path to trading success. For beginners: trading alone could be perplexing and hard. Similar to some other profession, you won’t find success over night. Plus, there is the opportunity to replicate the trades of a professional into your personal account, which means you begin trading on the proper foot.

A sign service can also be ideal for those who don’t have time to sit down all day long facing the computer, looking for trades. Being subscribed to a sign service means there is a professional dealer sitting and searching for trades in your own behalf.

For expert dealers: it is an actual possibility to hone your abilities, and supply yet another way to obtain lucrative trades to diversify your “portfolio” of strategies.

May you be a beginner or an expert who is looking to learn more, this tool will definitely work for you.

If Your Debts Have Piled Up, Here’s How To Clear Them

Being in debt can be a frightening thing that interferes with your entire life. You might find that you struggle to relax, can’t enjoy yourself properly and it may even affect your sleep. It’s important to remember that you’re not the only person to ever get into a whole load of debt and it’s an unfortunate reality for thousands of people, so don’t beat yourself up about it.

The fact you’ve realised you need to do something about it and you’re reading this now shows that you are taking it seriously and that you want to make a change.

Whether you’re struggling to pay back your student loan or you’ve managed to get yourself entangled in some serious credit card debt, take a deep breath and read on to find out how you’re going to get yourself out of it.

You’ll need to be serious about paying it off. Reducing your debts needs to be your number one priority financially and by following these steps, you might find it’s easier than you originally thought.


  1. Pay off the ones with the highest interest rate first


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Of course, you want to be debt free and that means paying them all off, but take it easy and do it one step at a time. The first thing you need to do is to get all your debts together and work out which ones are charging the highest interest rate. Obviously those are the ones that are costing you the most, so it’s important to get them paid off first.


  1. Have a back up

Whilst paying off your debts is hugely important, it’s also a good idea to have an emergency fund just in case you ever need it. So before you start to plough all your leftover funds into paying off your debts, put aside $1000-$2000 in case any unexpected bills crop up as they always hit when you least expect it. This way, if you do end up having to pay out for medical bills or a car repair, you’ll be prepared and it won’t mean you have no way getting to work.

Side note: DO NOT use this to pay for anything that isn’t an emergency. Buying that dress you saw in the shop window last week is not an emergency, neither is getting a pizza delivery because you can’t be bothered to cook. Be strict with yourself. Any luxuries you do splurge on, do it on a budget and resist impulse buying.


  1. Consider consolidating your debts


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If you’re in over your head in debt and are overwhelmed by the multiple loan payments you have, then perhaps debt consolidation is the answer you’ve been looking for. By using a company such as lendingtree, you’ll be able to combine all your debts into one big loan and often that means lower interest rates. You’ll feel a sense of relief at not having multiple debts coming out of your ears and it simplifies the payback process.


  1. Try to tackle one thing at a time

Obviously when it comes to paying back debts, you can’t just put a halt on everything to solely focus on one, but what you can do is make the minimum monthly payments on the other loans you have to start doing damage to the debts that are costing you the most in interest. Once you have that paid off, start on the next and work your way through.





Need A Quick Sale On Your Home? Take Note Of These Lifesaving Hacks!

Whether the sale of your property has fallen through and you have a new house ready to move into or your boss has just relocated you elsewhere, if you need a quick sale you may be panicking. The important thing to understand is that panicking won’t help the situation. Despite what you might have heard about houses taking months, sometimes even years, to sell, that doesn’t have to be the case.

Most of the time, how quickly a property sells is a direct result of how creative the owner and estate agent can be. The truth is, selling your home doesn’t have to take months, you can get it sold in a few weeks if you’re smart about how you go about it, that is. So, there’s no need to stress.

Have a read of the tips below, take them on board, and you should be able to get your home sold quickly.


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Offer an incentive

Often, buyers are struggling to pick between a couple of properties that they’ve seen. So, to make yours seem more appealing, offer them an incentive.

This could be throwing in your nearly new designer sofas, or it could be agreeing to have the whole property redecorated in neutral tones before they move in. Find out what’s holding them back from buying, and offer an incentive to help sweeten the deal, so to speak.


Stage the property


One of the most important things for potential buyers is being able to imagine themselves living in the property. To make your home seem more appealing to buyers, consider staging it.

What does ‘staging’ mean? Well, it means setting it up to look incredible, to show potential buyers the possibilities that the property offers. By making your property look like a show home, you can increase the chances of a quick sale.


Consider who you’re selling to


If you want a quick sale and nothing else seems to have worked, you could rethink who you are trying to sell to. You see, when it comes to finding a buyer for your property, sometimes it can take months if you go down the traditional route. However, if you are willing to look at your other options, such as selling your house to house buyers who run a property selling company, the chances are that you’ll get a quicker sale.

Admittedly, you may get a little less for your property, but the chances are if your home had taken any longer to sell, you’d have dropped the price anyway. So, it’s not exactly a major loss, is it?

When you need to get your home sold quickly, it can be incredibly stressful not knowing what you’re going to do about it. The good news is that if you take note of the tips and suggestions above, getting your property sold quickly shouldn’t be a problem. The key to selling success is knowing the best ways to go about selling up. You need to find simple ways to make your home more appealing to buyers; you also need to be willing to look at all of your selling options, from selling to private buyers to selling to companies.


Trading For Everyone: Can Anyone Start Investing?

Investing can seem intimidating. Stories of huge earnings and devastating losses lay over the cultural of image of investments like a blanket. Phrases like “asset allocation,” “index funds” and “bond maturity” can make the whole thing seem completely incomprehensible to an outsider. The whole thing adds up to make it feel as though investment is only for the chosen few. For the experts with insider knowledge and huge volumes of cash to throw around. That “average” people are destined to get left on the outskirts, peeking in and wondering how they could ever hope to achieve the same level of profit and understanding in this strange, complicated world. Luckily that doesn’t need to be the case. The big question that hangs over the world of stocks, trading and investments is this. Can Anyone Get Into Investing? The simple answer to that question is a resounding yes! The world of investing has never been more open to newcomers than it is right now. The internet has revolutionized the way that people trade and invest in ways that we could never have imagined even ten years ago. There is more readily available information about the complicated terminology and process than you would believe. This means that if you find something that seems overly complicated and confusing, you can simply look it up and find the information that you need, communicated in a clear and understandable way. Likewise, the act of investing itself has been changed and made infinitely more accessible in recent years. Gone are the days when investing was purely the reserve of the incredibly wealthy. These days anyone with a little cash to set aside can get started and grow their investments with ease. The key is to know where to start. Well, look no further! Here are some of the easiest and most effective ways to get started in the exciting world of financial investments.

Invest through your employer


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This is the perfect way to get started with investments if you’re on a bit of a tight budget. Look into the retirement plans that your employer has available. Now, sometimes even these things can seem beyond the reach of the average person but here’s the key. Invest such small monthly amounts that there’s a good chance that you’d never even notice them. You can start with amounts as small as one or two percent. It might not seem like much, but over the years you really will see how much you can save and invest over time. Especially if your employer can match your contributions, essentially doubling your money. The another great thing about this type of investment is that it’s extremely low risk. The horror stories of huge amounts of money lost in the stock market can put people off investing altogether. By finding low-risk options like this, you minimize the chance of losing any of your hard-earned, and well-invested capital.

Start saving

It might seem extremely obvious but if you want to start investing, then first you have to have money to invest in the first place. Now, having the kind of money set aside in order to invest might seem like an intimidating prospect, but it’s actually far easier than you might think. Many people don’t have much experience with saving. With the current economy the way it is, it can be tempting to live paycheck to paycheck, using what you have and never setting anything aside. But if you budget your money carefully you’ll find that you actually have a surprising amount of money left over at the end of each month. This isn’t to say you should stick every spare penny that you have into a savings account and never touching it. After all, there’s nothing wrong with wanting to treat yourself from time to time. But setting aside a small, fixed amount to save each month can add up pretty fast. Something like ten or twenty dollars a week transforms into hundreds far more quickly that you would think. You can even set up an automatic weekly or monthly transfer between your bank accounts. That way you don’t even have to think about it. You end up saving money automatically without having to make any major changes to your lifestyles.

Penny stocks


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For those who are feeling a little less cautious, penny stocks can be a fantastic way to increase your investment significantly in a very short space of time. Penny stocks are based on speculation. These stocks are almost always valued at less than a dollar which makes them very speculative. Finding the right stocks to invest in can allow you to double, or even triple your money. The problem is that, if you don’t know what you’re doing then penny stocks and come with a pretty high-risk. There are a lot of scammers out there who are more than willing to take advantage of those who are unsure of exactly how and where to invest their money. The most important thing that you can do when it comes to penny stocks is to make sure that you do your research. Always check the credibility of a company before buying stocks. Make sure that companies are willing to disclose important financial information as well. If they aren’t, then, it could well be a sign that they have something to hide. Make sure to check out for some fantastic advice on getting started with penny stocks right now.

Mutual fund investments

If you’re more interested in laying down a single payment, rather than lots of smaller payments, then consider looking into mutual funds. Mutual funds are companies that pool money from various investors to invest in stocks and bonds. A lot of mutual fund investments require a fairly sizeable initial investment but more and more recently, companies have started offering smaller initial investments. This can make them seriously cost efficient in the long term. You can choose the levels of potential profit and risk for yourself. This puts you in the driver’s seat and allows you to take control of the balance of risk and reward. Another benefit of mutual funds is that they often involve automatic investing. Much like your employer’s investment plan, you can often do it through payroll. Once again, this means that you can invest easily and conveniently without it digging into your time in a significant way.

Do it part time

One of the most common mistakes that can cause people to get turned off from investing is the idea that they would have to throw themselves into it completely. As tempting as the potential profits of investments can be, it’s a pretty scary idea to quit your job and leap into the risky world of stocks and bonds full time. Well, the fortunate thing is that you don’t have to do that, not by a long shot. In fact, the best way to start investing is to do so on the side. Rather than putting all your eggs in one basket, the best thing that you can do is to invest in small amounts. Think of it like dipping your toe into the water before you jump in. As with anything, when you make your first, tentative investments, there’s a chance you’re going to make mistakes. This is natural and you shouldn’t think that it’s the end of the world. And if you’re investing small amounts on the side, you’re much more well setup to recover from any mistakes you might make. When you first start investing, don’t get carried away. Work with small numbers and stay within your means. As you gain experience, knowledge and confidence then over time you can start building up your portfolio with larger sums and more significant investments. Before you know it you’ll be trading with the best of them!


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However, you choose to begin investing, make sure that you do your research. A little knowledge goes a long way and the more you have, the better protected you are. Of course, investing always comes with risks. Even the safest investments have inherent risks attached. But by making sure that you’re as informed as possible, you’re in the best position to avoid and minimize those risks. There are plenty of useful resources online that you can use. But of course, no matter how much information there is out there, there’s nothing quite as useful as actually talking to an expert. Consult with financial advisors and investors to figure out the best strategies. It might be tempting to jump in at the first opportunity but the best thing you can do is make sure that you’re as prepared as you can be before laying down even your very first dollar. Once you feel secure that you’ve found the right investment for you, then be patient. Don’t expect to double your money in the first day. But if you’re smart, you’ll be seeing return on your investments before you know it.

It’s Not The End Of The World: Top Advice Moms Need To Get From A To B Without A Car!

Whether your car is off the road, or you just can’t afford to run one, it can feel like a stressful time for a mom without a vehicle. After all, you need to get the kids from A to B. However, it doesn’t have to be the end of the world. For one thing, you are bound to save money without a car. The fuel prices, insurance, and tax can end up costing families a fortune. In fact, says the average car owner spends $9000 a year on their vehicle. It is a lot of money for a family to payout every year. And it’s also better for the environment and your health if you don’t have a car! Therefore, here is some top advice moms need to get from A to B without a car!


Look into bus passes


A lot of people rely on public transport to get them from A to B. After all, it’s a useful way to safely transport your kids. However, you need to research online so that you can plan the bus route. That way, you know which bus to catch to get to your child’s school and to the local shops. Also, you need to look at bus passes for your family. For a lot of companies, you just pay one price and then you can use it as much as necessary during the week. Remember if you are going to use the bus, you need to ensure you pack light. As it says on, it might be busy, so there won’t be much room for storage!


Find a decent taxi firm


Although taxis can be expensive, there are some ways to reduce the cost in the modern world. For example, you can download apps such as Uber or Lyft which can both be used to get your family around safely. You can pay the cost before you travel so that you know you won’t be ripped off at the end of the journey. And it tends to be a lot cheaper than using a

traditional taxi rank! You can find out more about how these work on sites such as

Get your family some excellent bikes

Another way to get around without a car is to get hold of some bikes. It’s a great way to travel short distances while getting fit at the same time! There are lots of different bikes, so make sure you do your research. As discussed on this site, it’s important to think about the distance and the terrain you will be riding on when choosing a bike. And you can get some excellent bikes for your kids as well. Or if they don’t want to ride them, you could get a child bike trailer which attaches to the rear of your bike. That way, you can ensure you get from A to B without too much trouble!

And remember to ask if any other moms drive past your area on the way to school. You could set up some form of carpooling. That way, you give the mom half the petrol if they transport your family. It will help them save some money on fuel while getting you from A to B at the same time!

Ideal For Christmas: Make Some Money Without Leaving The House With These Top Ideas

When it’s time to start buying our family Christmas presents, it’s easy to feel the pinch. After all, presents are so expensive for our kids. And that is before you include the cost of food, decorations, and travel during the holidays. Therefore, it’s a good idea to start earning some extra money for the Christmas period. However, it can be hard as you don’t want to leave your kids. Therefore, here are some top ideas on how to make some money without leaving the house!

Become a freelancer

You will be surprised how many people are working as a freelancer in the US. It’s a convenient way to earn some extra money without having to leave the kids. And you will find many jobs online from companies who require some affordable freelance workers. Therefore, if you have a creative skill, it’s worth looking into the roles for some extra cash. You will find small jobs such as writing blogs, web content, and magazine articles. Or if you are a designer, you will find ads for creating brochures and websites online. Sites such as People Per Hour and Upwork are great places to start when looking for freelance job ads. As this article says, the client might want to see examples of your previous work, so keep a portfolio of everything you have done in the past.


Give your opinion

A lot of companies are looking for people to give their opinion. Whether it’s about a brand or a product, it can help a company to find out more about their consumers. Therefore, they create surveys which can be filled out by the public. And they pay you an amount to fill it out, as well as give you special offers for the future! Therefore, it’s an excellent way to earn some cash. However, there are a lot of survey sites online which sell on your details, meaning you will end up with lots of calls. Therefore, if you do want to become a surveyor, make sure you read up online about the company. For example, you can see the ratings here which will help you to decide if it’s a legitimate company before you fill in your details!

Start selling crafts

If you are great at making items with the kids, you could earn some extra money getting creative. After all, there are so many sites out there like Etsy where you can sell your items. And it won’t break the bank if you make inexpensive jewelry which people will love to buy. There are lots of jewelry patterns online to help you make a simple necklace or bracelet!

Become a tutor

If you have skills in a particular subject or even in an instrument, you might be able to become a tutor. As this feature reveals, advertise online and students can come to your home for an hour a week to learn. And if you don’t want people in your home, you could become a tutor online. There are plenty of sites such as Skooli where you can tutor and earn some extra cash for Christmas!

Hopefully, one of these will help you to make enough money to spread the Christmas cheer this year!