Finance


If You’re Planning To Start Your Own Business These Tips Will Help You

If you ask any successful entrepreneur about the key to starting a successful business, the most common answer you will hear is investing in the right opportunity at the right time. There are some businesses that have started out as an accident or emerged from something that just luckily managed to gain momentum later on. However, this is a very small percentage of businesses, and most of these enterprises have a limited life. As soon as things start to change or as soon as the product/service starts to lose demand, these businesses have little that they can do to keep things going. There is more to a successful business than meets more »


How does VAT work for small businesses?

Taxes can be daunting for anyone but when you are running your own business it is even more important to keep things in check because you could end up putting your livelihood at risk. Not only can you end up incurring financial penalties, but you can get yourself in some legal trouble if you do not pay the right taxes at the right time. An important tax for small business owners to be aware of is VAT or value-added tax. I am not yet at the stage where I have to pay tax but I do earn money being a blogger (find out how).


How to tighten your budget without impacting upon family life 11

As a family, we’re always trying to save as much as we can. We can’t necessarily afford to put a great deal aside each month, but it’s always so reassuring to have a little bit put away for things like holidays, days out, and, of course, Christmas and Birthdays. But, with the looming inflation rises, the ever increasing energery cost rises and my boys growing up quicker than I ever thought possible, and things like going to university, moving out and, dare I say it, weddings, looming ever closer on the horizon, I’m trying to find ways in which we can cut back and save more.


Keep It Classy – Frugalist Guide to Staying Fashionable on A Budget 1

Any person can look his best without having to spend thousands on clothing. It all comes down to the strategy you have when it comes to clothes shopping. It is a general misconception that you have to earn a lot in order to look impeccable. On top of that, you don’t have to wear designer clothes to look classy and polished. Still, you can incorporate some new habits. Before we talk about that, note that your expectations should be realistic when your budget is limited. It’s true – you can stay fashionable on a budget, but it’s not as easy as it would be if you had a higher sum of more »


Mompreneurs: here’s how to start a side hustle…

It’s easy to think that motherhood and entrepreneurship are mutually exclusive. And never the two shall meet. However, more mothers than ever before are looking into and successfully launching side hustles in order to bring in more income for their household, because they have a passion for business or simply because they want to reclaim some of their identity and start an exciting new chapter in their lives.


Combating Financial Fraud in the Elderly

Combating Financial Fraud in the Elderly is a paid collaboration with GuardianCard. This year has seen a real increase in financial fraud with criminals exploiting the changes and a rise in online data harvesting and a fall in cheque and contactless card fraud. This is where GuardianCard comes in as it is a safe, simple and secure solution to taking care of the finances of an older or vulnerable family member.


Tips for Applying for a Loan 1

2020 has been a challenging year for a lot of people and we are running on an overdraft here in the Mad House at the moment and really that isn’t a great long to medium-term solution, so we have been considering applying for a loan to cover it. So it was perfect timing when HSBC approached me with this fab infographic with tips for successfully applying for a loan.


How To Manage Your Family Finances 4

Managing your family finances efficiently will allow you to live a happy and peaceful life and enjoy financial freedom in the future. Whereas, poorly managed finances may lead to arguments and stressful situations as a result of lack of funds or unexpected financial expenses. Fortunately, there are many simple ways to manage your money better, save for fun activities, and secure a more comfortable life for your family. Here are some tips on how to manage your family finances more efficiently.


Tips for keeping safe whilst shopping online 1

Tips for keeping safe whilst shopping online is a paid collaborative post with Mcafee. I am a BIG fan of doing my shopping online. I don’t really like crowds and much prefer to find the perfect gift in the comfort of my own home with the benefit of having it delivered directly to me. Plus the internet has opened up a wealth of independent shops that are no longer available on the high street where I live.


How to Save on Back to School Shopping

How to save on back to school shopping is a paid collaborative post in conjunction with My Voucher Codes.  I would love to think that I am an organised Mum but half the time I am a fly-by the seat of my pants mum, however, when it comes to saving money I am on it!  Raising children is expensive and any penny I can save means that I can spend it somewhere else, preferably on something fun.

How to Save on Back to School Shopping

Why you need to share what you want to happen when you die

Why you need to share what you want to happen when you die 1

Things to consider when planning a funeral service is a paid collaboration with Beyond. Losing a loved one is heartbreaking and frankly horrible. I have been in the position of organising both my parents’ funerals, thankfully neither on my own and it was really hard work. I have been going to write this post for the last month, but a couple of close friends have died and frankly I didn’t feel up to it, However, it also reinforced the fact that it is so important to share what you want to happen when you die with your loved ones and close friends.


An alternative way to save for your children’s future 2

An alternative way to save for your children’s future is a paid collaboration in conjunction with The Royal Mint.  With all this talk recently of the cost of attending university and how many young people can not afford the deposit on their first home got me and the husbeast thinking about saving for our children’s future.  We are not a cash-rich family, in fact, we haven’t got any substantial savings yet for the boys. However, that doesn’t mean it is too late. It seems that according to research by The Royal Mint we are not alone and that on the average UK Household save on average £166 a year compared to £1,500 in 1974.  more »


Does a Dishwasher Save you Money? 1

Does a Dishwasher Save you Money? is a paid post in collaboration with Sainsbury’s.  Since getting a smart meter a few months ago, the male proportion of the household has become obsessed with comparing the cost of devices in the house and one of the things that have come up is that using a dishwasher is more expensive than washing by hand.  Hmm – as the one who ends up doing any pots that need handwashing this made me decide to look into it.  As I LOVE my dishwasher, it saves me time as we fill it up during the day, set it to wash overnight and then the husbeast empties more »