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Planning Your Family’s Financial Future

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PLANNING YOUR FAMILY’S FINANCIAL FUTURE

The coronavirus has had an effect on people’s finances in one way or another. For some, a cutdown on social activities and commuting has helped them pay off debts and build up savings, while others have fallen on hard times due to being unable to work. Whether you’ve been affected positively or negatively, it’s definitely given some food for thought about your family’s finances.

Getting serious about your family’s financial future can help you make some smarter money decisions. Whatever your situation, it’s good to have some peace of mind that your finances are under control. Here are some things to think about for your future finances to help you get started.

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Financial Products and Services – Indulgence or Necessity?

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FINANCIAL PRODUCTS AND SERVICES – INDULGENCE OR NECESSITY?

It’s difficult to pick up a magazine, turn on the TV or go for a walk along a main street without being confronted by advertising for financial products and services such as a mortgage or a credit card. The financial services industry is huge, and the vast majority of us have, in addition to our bank current account, at least one other product or service within the sector. 

It’s easy to understand why we have these products. Some of them increase our spending power in the present, while others allow us to have a more comfortable future. But do we need them? Do these products represent good value for money? Below, we will look at what is on offer, and consider the pros and cons of owning and using these products.

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Should You Apply for a HMO Mortgage?

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SHOULD YOU APPLY FOR A HMO MORTGAGE?

More and more buyers are becoming interested in HMO mortgages these days, considering this type of funding for the commercial properties that they’d like to buy. Is a HMO Mortgage something that might benefit your business? Should you apply for a HMO Mortgage? Let’s talk a little about what HMO Mortgages are and how they work. 

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3 Ways to Save Money When You Don’t Know Where to Start

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3 WAYS TO SAVE MONEY WHEN YOU DON’T KNOW WHERE TO START

Saving money rather than making money can be challenging. To save money, you need to hone your household budget and work together as a family to tighten the purse strings. Before you set about refining your savings, you need to have a family meeting to discuss your goals. You will need to have a reason for saving to get your kids to buy into the savings vision too!

Drawing up an official contract is a good idea.  You then get the whole family to sign it. Take a look at these handy hacks to help you save money in your household when you don’t know where to start.

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Moving Abroad With Kids – 7 Tips to Make It Easier

 

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MOVING ABROAD WITH KIDS – 7 TIPS TO MAKE IT EASIER

There are many reasons why you might move overseas with your family, such as wanting to be closer to family or to open your kids up to a new culture. The prospect of moving abroad with kids can be exciting but also stressful. To help make transition easier, consider the points below.

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Solve These Business Issues Before They Become a Problem

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SOLVE THESE BUSINESS ISSUES BEFORE THEY BECOME A PROBLEM

When you run a business, you’ve got to get used to solving issues before they turn into a problem for the company. That’s why you’ve got to be able to identify them and put a plan in place to fix whatever isn’t working before you start noticing some kind of big impact on the business as a whole. So, in this article, we’re going to be looking at some of the issues you could face and how to stop them from becoming a big problem. Keep reading if you want to find out more.

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How to Declutter Ten in Ten

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HOW TO DECLUTTER TEN IN TEN (#declutterteninten)

If you are reading this article, you may have followed the challenge that I created on Instagram –  Declutter Ten in Ten  (#declutterteninten) or maybe decluttering is just something you need to do.

Spring is a popular time to declutter but often, we have a big splurge then leave everything to build back up again!

Just before we moved house, I discovered Marie Kondo and her book changed my life.  I totally look at things differently now.  I’ve never been a big spender but her book made me spend even less and also made me realise just how little we need in our lives.

She also runs a course for anybody who wants to change their life which you can access here.

The key to decluttering is to keep on top of it and make it a way of life.  However, over the last 12 months with decorating and renovating our house, I have got out of the decluttering habit and our home, although not full of clutter, feels like it needs decluttering a little.

Therefore, I came up with a simple system to help myself get back on top of things and today I will share with you how to ‘declutter ten in ten’ so that you can start today to get back on top of your home.

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4 Ways to Hustle for Cash When You’re Bored

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4 WAYS TO HUSTLE FOR CASH WHEN YOU’RE BORED

Your boss might pay you to be in the office for a set number of hours in the day but you can often find yourself at a loose end with nothing to do. The problem is even worse if you’re stuck at home, thanks to something like the coronavirus lockdown. The hours can pass without anything actually happening. 

Where possible, you want to use your time as productively as possible. You don’t want to spend every hour of every day just wondering what to do next. It’s better if you are provided with regular work.

Even the best jobs, though, go through periods of inactivity. It’s those dreary moments where it makes sense to switch your attention to a side hustle – something you can do to keep the income flowing, even if you’re at a loose end. 

In this post, we’re going to look at some of the jobs you can do to make a little money on the side, especially if you work from home. 

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The Hidden Costs of Buying a New Home

the hidden costs of buying a new home

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THE HIDDEN COSTS OF BUYING A NEW HOME

When it comes to making a property investment, there’s no doubt that the biggest and most important cost to keep in mind will be the price of the home itself and how the mortgage covers that. However, when you’re setting up a purchase and costs-of-living budget, it’s important that you don’t forget about the following costs, too.

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Are You Making the Most of Your Money?

making the most of your money

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ARE YOU MAKING THE MOST OF YOUR MONEY?

It’s pretty natural to want to take care of your finances. After all, not all of us can be lottery winners who are lucky enough to have money to burn. Money is one of, if not the most precious resource that many of us will interact with in our lives. It’s the thing that allows you to live your life the way that you want to. It’s the deciding factor for many of life’s biggest decisions. Your career, your home, whether you can travel, whether or not you should have kids.

With so much of your life riding on this one thing, it’s no surprise that the vast majority of people are pretty concerned with making their money work for them. After all, you probably worked pretty hard to earn that money so you want to get the most out of it.

Now, this might sound like a pretty significant proposition but, in fact, it’s far simpler than it seems. Here are a few, extremely simple ways that you can make your money work for you.

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