Writing is something that I do because it helps people. Writing about money is particularly helpful I think because everyone has to deal with money and may people struggle. I think there is very little need for most people to have money worries but because we do not all know lots about money it means that we often have difficulties with it. If we do not know enough it can lead us to making mistakes with money which get us into trouble. Many of us do this because we have not been taught much about money and so do not really know what to do, something which I hope to rectify.
If you want to do some more work but would rather work at home or have commitments that mean that you have to stay at home, then you will need to look for work from home jobs. There is an increasing amount of opportunities to make money from home and it is a good idea to find out more about them. There are some things that you need to be aware of though.
Beware of Any Site that You Pay to Join
There are some websites which are scams and they will tell you that you will make lots of money working from home but they will ask you to send money in order to find out how. These tend to be scam sites and they may even just suggest that you set up a website doing the same thing as they have to get money out of people. It is not worth sending people money like this. If someone wants you work for them, they should be prepared to pay you and not be asking you to pay them. There are plenty of sites where you can find work and do not have to pay so head towards those.
Read Reviews First
Of course, even if you do not have to pay to start work, there are other ways that you can be scammed. For example, you could do work for someone and then never get paid. As you are working for someone that you have not met then you will not necessarily know whether you can trust them. However, you will find that there are lots of reviews of different sites. Checking this out can be very handy as you will then know what people think of them and whether they have been paid by them. Obviously, you want to use the sites where people are saying that they have been paid.
Consider Whether you Want to Work for Yourself or Someone Else
It is also worth thinking about whether you want to work for yourself or someone else. You could do work for a company and they pay you. You will still be considered to be self-employed and you will have to declare your income in the same way as someone who is, through a self-assessment tax return but it will be someone else telling you what you should do. Alternatively, you could set up a website, blog, social media site etc and use it to generate money through advertising or selling things etc and then you will be doing exactly what you please. Both have pros and cons and it is a good idea to consider whether you like the idea of having to be self motivated and working out exactly what you need to do to make money or doing jobs for someone else where they will let you know what they want you to do.
Where to Look
You may wonder where to look for jobs if you do decide you want to do work for someone else. There are various websites that have paid work on and you can choose between them. You will find that you will be able to find them on search engines but there are also money making forums and websites which have information on how to do this as well. You will be able to find out how others are making money and think about whether you want to do what they are doing. You should be able to quite easily come up with all sorts of sites. If you are using search engines do not put ‘work form home jobs’ as things bring up the scam sites. Look for money making forums, freelance work, paid surveys and thing like this to find the types of sites that you may be able to earn from.
Most of us pay for insurance for various things and it can be quite a significant amount of money. If we pay for our car, house, life and then certain possessions and pets we will find that it can add up to a lot of money. However, there may be things that we can do which will reduce the cost of our insurance.
It is a good idea to regularly get quotes from different insurers and compare their prices. You will find that they can vary quite a bit and even if you feel you are with the cheapest, within six months there could be a different one that costs less. Therefore, it is a good idea to keep checking so that you know whether you should consider switching to a different insurer or sticking with the one that you are with. If you have not done this before or for a long time you could find that you could make a significant saving.
It is a good idea to negotiate the cost of the insurance with your insurer. You might find that if you chat to them about the fact that there are cheaper insurers available, they might be prepared to lower the cost. This means that you could save money on each of your policies this way or at least not have to pay significantly more each time that you renew one. It might not seem like something you feel comfortable with but you have nothing to lose and you can be polite and pleasant when asking about it.
Use the Same Insurer
It could save you money if you use the same insurer for all of your policies. Some insurance does need a specialist company, but some insurers will deal with lots of types of insurance and you may benefit form a multi cover discount. It is good to find out and get some quotes so that you are able to decide whether this might benefit you. Some companies will offer a discount but not all of them, so you will have to compare them and find out.
Renew Yearly not Monthly
Some insurance will give you the choice of renewing the policy either yearly or monthly. It is good to be cautious about this. You may find that if you choose the monthly option then it will be more expensive. If you can afford to pay it yearly, then it could be a good idea to do this as you will be able to save some money this way. Sometimes this is not the case though and the monthly payments may be the same as the yearly ones, so you need to check this out as well.
It is also worth checking which is included in your cover. You may find that there are things included which you do not need. Sometimes you can remove things from the cover if they are not things that you do not need or think that you will never use. This can reduce the cost. You might also be able to increase the excess and this will normally reduce the amount of premium that you have to pay as well.
It might seem that this is a lot of effort, but it could be worth it. Insurance can be really overpriced and therefore you could potentially make a significant saving if you are able to reduce the costs. If you try all of the things mentioned then you could make a selection of savings and added together these could make a really big difference.
If you have a lot of debts and feel like you should be repaying it, then you may need a good plan. Deciding to repay is a really important step and so the fact that you have done this is fantastic. However, it is also important to make sure that you are able to find a good method to repay the debt. This could be done in lots of ways, but below is a step by step method which cold be handy.
Note Down all Debts and Decide What Ordre to Repay Them
The first step is to identify each of the debts you have and think about which order to repay them. This can be a bit scary, when you calculate how much you owe, but remember that you will be able to repay it off. Also make sure that you do not include student loans because it will only be in rare circumstances that you will benefit form paying these off early. So, unless you are a very high earner, have been since you graduated and expect to be until thirty years have passed since you graduated then ignore the student loan. Deciding on the order to repay your loan can be tricky. However, there are different choices that you can make. For example, you can choose to pay off the most expensive first as that will save you more money, you can pick the one that is the smallest so that you can quickly eliminate it or you might have a particular loan which you just want to get rid of first.
Start Overpaying One and Keep Repaying Others
Once you have chosen which loan you want to repay first, you can concentrate on this one. Even if it is only a loan for the short term. The first thing you should do though, is to make sure that you are covering the payments you have to make on every loan. You will need to continue paying those essential payments all of the time or else you will get fees and charges from those lenders. Then you need to take a close look at the terms of the loan and check whether you can make early repayments. Sometimes there is fee for doing this and it can be quite a lot, so it is good to check as you may even find that it is cheaper not to repay the loan early. It can be wise to call the lender and ask them about this first if you are not sure or cannot see any reference to this in the terms and conditions.
Think of Ways to Repay More
Once you have got on board with the idea of repaying early, which loan you are concentrating on etc then you need to start making the extra payments. If you have savings, then you can start with using them. If you normally have money left at the end of the month, then you can use some of that. However, you may not have these and even if you do, you may need additional ways to repay the loan. It could therefore be worth thinking about whether you can perhaps spend less. You might be able to buy less things or pay less for the things that you do buy to save money. You may also be able to think of some ways that you can earn more money which might be really helpful too. You may even be able to sell some things you do not need to make a bit more. There will be a lot of potential things that you can do but it will just be a case of making sure that you keep focussed on your goal and use extra money to repay the loan so that you can get it repaid quickly.
There are many people that have pets and there are lots of costs associated with keeping a pet. This could lead to a lot of people, considering whether they should take out insurance for their pet or not. It is worth considering this and there are different things that you need to think about when you are making this decision.
How Expensive Might the Vet be?
The first thing to consider is how expensive the vet might be. You could find that this will vary considerably depending on what animal you have as a pet and what breed they are. Therefore, it is well worth doing some research first to find out what sorts of things you may need to visit a vet for and how much it might costs. You could find this out online or you could perhaps try contacting a few vets to get the information from them. If you know people with pets you could ask them about it as well. It is well worth spending quite a long time researching this before you do anything else.
How Much are the Payments?
Then it is worth looking into how much the insurance costs will be. You will need to make regular payments and it is good to find out how much this will be. You may find that they will go up as your animal gets older or if it turns out that they have a particular health condition. This means that it is not easy to predict, but if you can get some idea then this will give you a way of being able to calculate how much it might cost you. You should then be able to compare the potential cost of vet fees with the cost of the insurance and see whether you feel it is worth getting the insurance.
Check for Restrictions
Before you make your decision though, you need to think about the insurance policy and what it includes. Some have restrictions with regards to what they pay out for and you need to check that out and think about whether the insurance will be useful, good value for money and whether it will cover you for what you think you will need.
Spreads the Cost
One big advantage of the insurance is that it spreads the cost of the vet’s fees. This means that rather than having to pay for treatments when you need them, you will be able to pay for them with the insurance instead. You will normally need to make monthly payments on the insurance and this might be easier than just having to make the payments for the vets bill when you need to make them.
Will it be Better to Just Save up?
It might be worth considering whether it is better to save up for the vet’s costs rather than paying the insurance. This can be good because it means that if you do not need the money then you will have it available to spend on other things. However, it is risky. This is because if your pet needs a treatment before you have saved up much money you may not be able to afford it. Also, if they needs lots of treatments, then what you have saved may not be enough to cover them all and the insurance may have been a better option. It is hard to decide and work out the risk. However, if you know that you are unlikely to save because it is not something that you are good at, perhaps an insurance will be a better option for you.
When we have a birthday, it can be lovely to have a big celebration, particularly if it is a milestone birthday or a child’s birthday. Even if you are buying things for someone else’s birthday, it can be really lovely to buy all sorts of lovely things for them to help them to celebrate and to feel special. However, there are costs involved with this sort of thing and it might be the case that you have concerns about how you will afford it. There are some things that you an do though to prepare for this sort of thing and hopefully that will allow you to be more easily able to afford it and not to worry so much about the costs.
Save Up Money
It can be wise to save up for this sort of occasion. This is because you will then be able to spread the cost over a period of time. If possible, start planning well in advance. Think about what you want to do and work out how much it will cost and then you will be able to calculate how much you will need to put aside each month towards it. This will help you to be able to save up. Of course, it may be very possible that you will not have the money to put aside. If this is the case, then you will need to think about how you will raise the extra money. There are different things that you can try. You might be able to reduce your spending, perhaps by comparing prices and paying less for the things that you buy or by buying less items. You may also be able to earn more, perhaps in your job, by taking on extra work or selling things that you no longer need. There are lots of things that you can try and it could be fun exploring the different possibilities and working out how to get the extra money that you need.
Of course, you could borrow the money to pay for it. This would be a quick way to get it and would mean that you would not need to put all of the effort into saving up. However, you will be charged for the money you borrow and this means that this will be an extra cost on top of the cost of the birthday treats. You will also need to repay the loan and this might be tricky. Normally you will need to repay a certain amount each month and you should check, before taking out the loan that you will be able to afford this. If you feel that you will struggle, then it could be wise to either choose a different tye of loan which has a different repayment method or lower repayments or not to borrow at all. You may find,. That if you have a poor credit record, it will be very difficult to find a loan anyway and if you do, it could be expensive.
Scale Down Arrangements
It might be the case that you will need to think about scaling down the arrangements for the birthday. They may be things which you can change or you can do a little differently in order to save money. Perhaps having less guests, if having a party, catering yourself instead of having a centre of buying pre made food, reducing the decorations or scaling down the gifts. Consider buying second hand or searching for sale items as well as reusing wrapping paper, perhaps making a card or even making gifts so that things are a bit cheaper.