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Start a saving plan for the new year ahead

With Christmas just passed and our pockets very empty, January seems to take a financial strain on us. Planning ahead will help to provide you with a financial picture for the coming year. Many financial companies support providers on our smartphones or online as they are able to assist with financial planning. They can help by providing easy to use data sheets with easy to use options for entering your income and outgoings. They help by displaying a clear visual representation of the coming year, simply download an App or signing up online can keep your finance under control and at your fingertips. These companies also provide information regarding monthly summaries, tips on making better savings and have a support network available should you require it. You are also able...

Saving made easy, when you know how.

Money savings can be very stressful when you are unsure exactly what you need to be doing. One of the hardest parts of saving is the ‘getting started’ part. Firstly, you need to set saving goals and write them down, visualising the amount you require is essential in helping you understand your future needs. Write down what you want to save to do or buy and how long do you have to do this. Now give yourself a budget, limit any over-spending, even changing to a lower budget supermarket can help. Record your monthly outgoings (and this includes your morning coffee and little treats too). Then record your income. Visualise the difference and make realistic weekly and monthly saving goals to get you meet your required savings. Entering your numbers...

Small businesses – Time is money

Many people who dream of starting up their own businesses hit a bit of a crossroads when they have to decide whether to work to earn money that they can put towards their idea, or quit their job to focus solely on their dream job. Sometimes, even with savings you always need that little bit more but it can be risky to head back to work. You may only get one shot at your dream job, so if you wanted to start your own hairdressing business but you didn’t have enough to complete the salon, you may need to work, save and revisit the idea at a later date. Time is money though and by wasting time you could be making it more difficult to get set up in the...

Setting up a bank account in Australia

Australia is one of the most popular countries for gap year holidays, so there is a huge number of young adults visiting this huge country throughout course of a year. One of the first things you need to do when you arrive in Australia for your gap year or working holiday visa is to set up an Australian bank account. The process is actually an easy one, but there are a couple of things you’ll need to do to get everything set up okay. Australian telephone number Australian Address Passport Don’t worry if you’re only staying in temporary accommodation such as a hostel, as long as you have an address so the bank can send your card out you’re away! But don’t forget these 3 vital aspects when you arrive...

When to consider a Payday Loan?

It’s true that payday loans can get you out of a sticky situation fast. That said, they can also get you into an even stickier situation, so when is it okay to consider getting a payday loan? Well, let’s first understand what a payday loan actually is. It’s a short term loan agreement. So to clarify that’s short-term not long term! This means that paying it back as soon as possible is going to make it a reasonable option for somebody with a short term need for funds. If you need a long-term loan you must avoid this at all costs. Otherwise interest rates will build up quickly, so too will the deadlines for repayment. Only commit to a payday loan if you need to borrow money for several days...