7 Ways To Make Money At Home

The demand for people to make money without leaving their homes has continued to rise over the past years. People are looking for financial freedom while still having time to do other useful things. There are various ways you can make money at home, either as a part-time or full-time job. [Read more…]

All they are saying is give thrift a chance

Can living more frugally make you happier? We joined the super-scrimpers’ festival to find out

All they are saying is give thrift a chance

THE first time I went to a festival, I paid £150 for the privilege of camping on what quickly became a quagmire after a torrential downpour. Having forked out a small fortune for the tickets, my friend’s mother had packed us off with Tupperware boxes of soggy chicken nuggets so we didn’t have to pay out even more on pricey festival food for the weekend.

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4 Questions to Ask Before Buying Commercial Real Estate

Who is to say what is the best way to invest your hard earned money. Sure, sometimes starting a business may be a great solution, but keep in mind that it could require more time and effort than you have to spare. Because of this, it might be for the best to purchase a commercial property, that could generate a passive income overtime. Later on if the price skyrockets, you can sell it and in this way achieve capital gain. Nonetheless, buying the right commercial property is not a simple matter and here are four questions you need to ask before finally making your mind to buy. [Read more…]

What Really Attracts Young Job Seekers?

The question that hovers in most business executives’ minds is how to attract and retain top prospects in today’s business climate.

As everybody knows, talented employees are well worth the effort it takes to recruit them. According to recent Gallup research, when companies select top 20% most talented people for a role, they see a 10% increase in productivity, 20% in sales and a staggering 30% increase in profitability. [Read more…]

How to Save for a Hot Tub

Before you go out to buy a hot tub, doing your research beforehand and even renting one of the smaller inflatable tubs can really help you inform your decision. Not only will you be able to figure out whether buying one of the expensive tubs is worth it for yourself but you’ll also be able to tell whether you need an expensive one. The cheaper inflatable ones can be more convenient and don’t require as much upkeep. They’re portable meaning that you can take it wherever you need whenever you like.

If you have already decided that you want to buy a ‘proper’ hot tub, then the price tag won’t be something you weren’t expecting. You can get basic hot tubs from £2000 upwards, with the middle tier tubs having a hefty £5000 price tag. If you aren’t fortunate to have the spare cash lying around, then you may have to save up for your tub over a period of time. A lot of hot tub stores have payment plans in which you can pay off your tub on a monthly basis, but depending on how long you want to pay it off for this can still amount to nearly £200 a month depending on the tub you’ve chosen. We have a few money saving tips to help you along your way with paying for your hot tub.

Firstly, most banks allow you to set up a savings account, especially with online banking in which you can set up a savings account but not be given a debit card for it, so you can’t withdraw from the account. By setting up small payments each month, you can save up a substantial amount over time and you won’t be tempted to dip into it.

Researching your energy suppliers may also help you out in the long run too. Generally, hot tubs raise the electricity bill and some energy suppliers may charge you more if you’re using a substantial amount of energy. On the other hand, some suppliers have tariffs that suit households that consume more electricity, they offer a reasonable unit rate which could bring your bills down quite a bit. If you do this before you get your hot tub installed, then switching supplier or tariff can actually save you up to £30-£40 a month. This money can then be put away to help pay for the tub itself, especially if you go for the monthly payment option.

Assessing your outgoings and cancelling off anything that you really don’t need (like a subscription to knitting weekly) then you can really save quite a bit of money. Sometimes we don’t realise how much money we spend on subscriptions especially if we took them out quite a while ago. Putting away a little of the expendable income that you may have and keeping focused on putting it into your savings account can really make the money add up and you’ll be relaxing in your hot tub in no time.

If this still seems like too much for you, I’d recommend booking a hot tub holiday in the UK. Spending £300 on a long weekend with a hot tub is much more manageable than scrimping and saving to get enough money for your own. After all, how often will you really use a hot tub at home? I see time in a hot tub as more of a treat, and if you have one sitting in your back yard it’s not going to be as special to hop in and spend some quality time.

Have a shop around for cottages with hot tubs, cabins with hot tubs and hot tub lodges, there are loads on offer. Here’s a handy guide that outlines everything you need to know:

https://www.iknow-uk.com/article/2595-the_ultimate_guide_to_hot_tub_holidays

The Difference Between a Loan and a Line of Credit

When the need occurs to borrow money, many people wonder about the different types of loans and lines of credit that are available to consumers. Most people are unaware of the differences between a loan and a line of credit. There are important differences to consider when you are looking into borrowing money. The differences between the different ways of borrowing money will help you decide which method is best for each individual situation. [Read more…]