Budgeting is a word that fills many people with dread, but if you look at it in its simplest terms, all it refers to is a plan for managing your money. Budgeting refers to spending your money on paper before you have physically received it. Although many people use budgeting as a way to stop them from spending money on what they want, that couldn’t be further from the truth. It is a way to make your more financially strong going into the future. All it really is, is being intentional with where your money will go. Continue reading

Are you strapped for cash? Well, a personal loan can help you close that impossible budget gap and get your finances back on track. That said, taking out a loan can be a dangerous endeavor. While unsecured loans are among the most straightforward ways to get money for an unexpected expense, they also present many avenues that lenders can exploit to make more money from you.

It is therefore crucial that you evaluate your options carefully before signing on the dotted line. Below are a few things to look out for when getting a personal loan.Continue reading

When you started selling, you knew that you wanted to grow your business up into a huge success. You knew what it was that you had to sell, you knew that there were customers who already wanted it and you knew that you could get it to market to make a profit.

You know everything you had to know in order to make sure that your business was an initial success. Then came the difficult second stage, the growth of the small business into an SME.Continue reading

It can be frustrating and stressful to run out of money and not have the money that you need to make essential purchases. When you are in this situation, it is often necessary to borrow money. However, it is important that you make good judgments about when you should and should not borrow money. There are good and bad reasons to borrow money, and it is important to be aware of what these are and avoid borrowing money when you really would be better off not doing so.Continue reading

Research and development costs are the costs a company sets aside for development and enhancement of their product. For example, a mobile phone company may set aside funds to enhance their products, whether we are talking its physical aspects or software to improve
sales. It can also include research on ways of improving what they already have. Most R&D costs are high and may make the current profit plummet but there is always a profit to look forward to in the long run. Some governments, like the UK government, give cash rewards to companies that invest in enhancing their products and services. For more information visit randdclaims.co.uk.Continue reading

There is no doubt that participating in a national lottery can be a great deal of fun. In fact, a few lucky individuals may walk away winners and enjoy sizeable jackpots. Thanks to the power of the Internet, it has never been easier to increase these odds as well as to access a host of truly amazing games. Still, a problem often comes to light. What happens if you live abroad and are unable to access a specific competition such as the Irish Lottery? Let’s take at one innovative solution which has recently come to light.Continue reading

The way the economy has been in recent years, it’s no surprise that many people who are employed still have difficulty making ends meet. Just last year a poll from Shelter and YouGov found that three million working families wouldn’t be able to pay their rent or mortgage for even a month if they lost their income.

Living paycheck to paycheck has become increasingly more common. Financial analysts point to the ever-rising housing costs as the main culprit. It’s left many families unable to save money for an emergency expense.Continue reading

Many people who are on the verge of retirement do not estimate the expenditure that they should be planning for various things such as health care, living costs, residential support and other essential things when they retire. As a result, they do not save for the most important years of their life. Most people find it an overwhelming and daunting task to calculate the expenses they will be needing during their retirement. As a result, they procrastinate over it. Consequently, the majority of retirees suffer emotionally and physically as they cannot manage to pay for their basic needs when they stop working.

In this post, let’s look at some of the reasons why people postpone financial planning for their retirement years:Continue reading

Despite the huge increase in switching numbers which saw a record 4.8 million switches in 2016, many people are still sceptical about switching their energy supplier, claiming that it would be too much hassle for such a small difference in price. In theory this is very understandable giving the extremely poor customer service skills that we’ve seen from sectors such as telecommunications and travel, but the reality is very different here. Switching your energy tariff has never been easier and sees minimal effort on the consumer’s part. Switching with an energy comparison service like Selectra  also means that you don’t have to contact your previous provider, it is all taken care of for you. If you’re not sold already, here’s three key reasons why you should be thinking about switching your energy tariff.Continue reading

Today’s housing market is sending more and more people into the rental sector. This is great news for both landlords and tenants. With so many people looking for rental homes, very few properties are left unrented for long periods of time. Whilst those looking for a property will often find a wide variety of options and can narrow down their search to their specific needs and wants.Continue reading