Money saving made simple

There can be many reasons behind needing to save up money, should that be a big travelling adventure, a deposit for a new home, a family holiday or simply just to build up savings. It can be easy to say you want to start saving, it’s putting that into action which can make it more difficult. There are a few tips that may help you start off the savings process: – Plan your incoming and outgoings- Writing down exactly what you earn and spend each month will help give you an idea of where you are spending money, and areas in which you can save money. Providing yourself with a visual list can help you make wise choices in where to cut back each month. – Get a money management...

Let’s start budgeting for summer holidays

The summer holidays can seriously dent your wallet, especially if you have not prepared properly. Even trips to certain parts of the UK can cost a great deal for families, so wherever you’re heading on your summer vacation this year it’s important to get your finances in check now, so it doesn’t hit you as hard in a few month’s time. So what’s the best way to budget for a summer holiday? Research You should check out the going rates now so you have a better idea of what to expect when it comes to booking your trip. Or better yet, book it now and get the cheapest rates. The prices often pick up the later you leave it. Schedule You should make a plan of action or a schedule...

Top business tips for increasing sales in 2018

These tips not only work with small businesses but can also be applied to big companies as well. Increasing sales in any business is not an easy task, mainly because it requires a lot of dedication to get to a point whereby you can say your sales have increased. Here are just a few basic tips for increasing sales in 2018: Good customer care It is not a secret that good customer services can greatly impact your business and sales, and it can actually provide some assurances for retaining your customer base. Think about it, if you have a team of friendly individuals who genuinely care about the customers and making their lives easier with order and advice, they’ll more likely return to buy from your company in the future....

How to get out of your bank overdraft

If you find yourself sitting in an overdraft every month, with your monthly pay not helping after rent and other outgoings come in to play. There are options to help manage your overdraft and avoid those high interest rates and fees you might be being charged each month. Bank loan- Taking out a bank loan may help take you out of your overdraft and provide you with manageable monthly payments. You should be able to arrange a meeting with your bank to discuss how you can manage your money and begin a saving plan. Money Transfer credit card- This could be an option to help you get out of your overdraft, however, you must check that the credit card offers 0% transfer rates and time frames that these offers apply...

Things to consider before taking out a bank loan

Bank loans are a good option to assist you financially for large purchases or to simply get you back on your feet. There are a few things to consider before you decide to go ahead with any bank loan. Do you really need a bank loan? This is the most important question to ask yourself. Is loaning money from the bank the only way you can obtain the money you need? Have you considered borrowing money from a relative or working extra shifts? There is a certain criterion you have to meet for the bank to accept you for a bank loan. Having a regular income is essential, and you must be out of a probation period before you apply. Work out how much you wish to borrow and how...