Category: Contributed Posts

Know When To Call Upon The Power Of A Loan

Two of the focuses of my blog are Financial Literacy and Money. In some instances, it’s important to know when to take out a loan if there is a financial crisis and there are no other options left. The following contributed post is thus entitled; Know When To Call Upon The Power Of A Loan.

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The rut of financial baggage is relentless and tiring. It happens to us all at least once through our lives, but because it can go on and on, we feel like it’s normal. Well, newsflash, it isn’t and no one should ever think that it is something we should be okay with either. Firstly you need to pinpoint the reasons as to why you are in this mess whereby you can’t seem to pay your bills on time, you’re cutting back on the things you need for your family such as groceries and clothes, and yet still here you are sat up late at night with a calculator in your hand. Life shouldn’t be a game of catch up but it ends up being that way when we are irresponsible with our finances, going in over our head and getting into debt. Slowly but surely, if you cannot seem to stop the ball of debt and financial burden from rolling, eventually it will roll over you. But when is it really the best timing to go for a loan to help alleviate the pressure?

Living lavishly

Human beings are just strange creatures at the end of the day, we mostly cause our own problems. It’s hard to admit but you need to seriously question if you’re living a life that you honestly should not be. Have you bought a car that looks and feels good to drive but the gas mileage is pathetic? Do you buy too many clothes just to look good at events that don’t really matter? Could you possibly be a little too passionate and keep buying tickets to your favorite sporting team’s matches? We need to stop living lavishly when we know we don’t have the money. Many people will try to make excuses such as needing to feel good about yourself when you’re sad and depressed, or trying to live a normal life for the family etc. well, tough luck, it’s time to seriously question whether you should be buying some things when you know you are in a pinch.

Do you have a plan

What if you had a bag full of money thrown at you, what would you do? Just for the sake of argument, it’s only enough to pay off your debts and start to control your finances. Do you know what you would do first? What bills, debts, credit cards and such would you pay off immediately? If you haven’t even thought about the long-term solution to your financial burdens, your short-term plans are almost nonsensical. Paying off this week’s debt is a single drop in the ocean, what about the tens of thousands of dollars you owe for your mortgage, car payments, phone contracts and more? Create a plan that deals with a point by point analysis of what is most important financially, and then come up with monetary rules for paying off those problems first and foremost.

Measure the deepness

Loans are a great financial tool to use when you need to just throw money at the problem to make it go away. They do provide you with a lot of power to end some financial crisis situations, that much cannot be denied. But, they come with their own set of rules as they are a solution but also a new addition to your financial responsibilities. Use this information that compares direct lenders only and see what kind of APR rate and interest is best suited to you. Some lenders charge high rates as they want to aggressively control how and when you start repaying them. Others are more open to allowing you to figure out what the best plan would be. You can get a small loan of around three to four figures or you can get into the five-figure sums if you need a large quantity of cash.

Take the hit

No one wants to dip into their savings account to get from under a financial jam, but you have to be willing to do so. If the worse comes to worse, then you need to set a limit on how much you will be eating into the money you have been saving all your life. Take the hit and stop yourself from going under. Filing for bankruptcy is going to be much worse than halving or completely devouring all your savings. As much as it hurts, set a plan in place for how much money you will take out of your savings account to help pay for your debts. Setting a threshold for how much money you have left in your main bank account is a common way of doing this.

Loans have the ability to put a large chunk of money right in your hand, in a very short amount of time. Therefore they have a lot of power to aid you in your financial troubles. However, know when you need to call upon a loan and devise structures so you make good use of the money.

The Biggest Problems Still Facing The Country

Two of the focuses of my blog are Current Events and Social Discussions. We are currently living in unprecedented times, with new events unfolding every day within our country and around the world. The following contributed post is thus entitled, The Biggest Problems Still Facing The Country.

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It has been an incredibly strange year. As we get deeper into the second of 2018, it’s important to peel our eyes away from the drama that continues to play on the TV (or on Twitter) and to gain a little perspective. Here, we’re going to look at some of the biggest problems still affecting the country and what everyday people like us can do about them.

Image sourced by Negative Space

Safety in our schools
At the time of writing, there have been 32 school shootings in the country this year. If that statistic doesn’t highlight that we still have a huge issue with safety in our schools, then nothing else will. A lot of the debate around the issue has revolved around gun control, with even the idea of arming teachers thrown into the mix. The idea of teachers with a gun or having the permit for concealed carry weapons can leave us a little on the concerned side. It is not an ideal situation but the fact that an individual can cite the case District of Columbia v. Heller 553 deciding that individuals can bear arms for self-defence reasons means that there has to be another approach. However, the mental health aspect of our school safety issue should not be overlooked. One of the solutions that we might be able to push more plausibly than the tricky issue of the 2nd Amendment is the support and call for more school counselling programs.

Hurricanes Maria and Irma
The scope and longevity of the destruction caused by last year’s fall hurricane season is regularly underestimated. Not only is there still widespread damage done to the communities hit, with final fatality tolls still up in the air, we don’t give all communities equal attention. The Virgin Islands suffered their costliest hurricanes. Businesses like Cane Bay Partners have set up initiatives to help with the efforts of long-term recovery, as well as supplying generators, clean drinking water, and even temporarily housing displaced residents. If you’re planning on offering donations or even volunteering, Puerto Rico isn’t the only victimized community you need to consider.

Image sourced by Min An

The border
It’s a politically touchy subject, and many might support the greater efforts to enforce immigration control. However, the implementation has undoubtedly been a disaster with children held in shelters that have been seen to provide sub-par care time and time again. There are a host of charities like RAICES, providing immigrant families and refugees with affordable legal advice, and Border Angels, who fund education programs and immigration services to those in need.

Health care
The problem of how we deal with those in need of treatment they can’t access pops up yet again. The two parties fight over health care time and time again. There’s a growing 71% of the population in favor of changes like Medicare for All. However, while the political ball might take a long time to shift, there’s a lot we can do individually. Volunteering opportunities from Public Health involve not only volunteering free care for health industry professionals but efforts at places like shelters and hospices where even those without training can lend aid to the hard-working staff.

Getting caught up in the political melee can all-too-easily make us forget the real issues still affecting the lives of our countrymen. By getting a little perspective, we can contribute our energies and perhaps even a little time or money to really improving lives.

Overcoming The Fear Of Business Failure

Some of the key focuses of my blog are: Financial Literacy, Wealth Building, Business and Entrepreneurship. A significant number of businesses fail within the first five years of their being started – something all entrepreneurs should understand when starting their businesses. To be successful however, each must overcome the fear of their business failing. The following contributed post is thus entitled; Overcoming The Fear of Business Failure.

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Ask a would-be entrepreneur why they haven’t started out in business yet, and chances are, you will receive one simple answer.

“I am afraid of failure.”

You don’t need to ask why they are afraid of failure, as this is something many of us feel in varying aspects of our lives. We are afraid of failing in marriage, education, and in our careers, as examples. But if you did ask the would-be entrepreneur why they were afraid of failure, they may answer in this way,

“Statistically, I am destined to fail.”

And this is true, according to statistics, the possibility of failure is relatively high. It’s little wonder, then, that many people don’t risk starting a business, despite the opportunity to escape the rat race of the 9 to 5.

But here’s the thing. While there is the risk of failure, there is also the possibility of success. There needs to be a change in attitude; a shift from fear to courage. Sometimes, the risk is worth it, as business failure is not always on the cards. It’s about turning fearful mindsets around; finding ways to bring a positive outlook to negative thinking.

So, what about you? Do you run a business, or have you taken the decision not to because the fear of failure has gotten the better of you? Aside from statistics, you may not have started out on your own because of the following reasons.

“I’m not good enough.”

Nobody’s perfect, so it’s unlikely you will be good at everything. But you can still improve matters. Look at areas where you are weakest, and rather than let these things undermine the possibility of you succeeding, conquer them. If you suck at all things money-related, hire an accountant or take a money course. Don’t know how to put together a decent business website? Hire a web designer or take HTML Training classes. Whatever your weakness, you can overcome it, whether that’s through outsourcing or building up your skill set. You’re not perfect, but then again, you don’t have to be!

“It’s a one-way ticket to poverty.”

Giving up your full-time job is a risk, so you may not want to begin something that could be a financial disaster. However, there are at least three ways to defeat this. For starters, don’t give up your job just yet. If you are reliant on the income from your career, begin your business, but start slowly. When profits do start coming in, only then consider resigning from your job. Secondly, do all you can to market your business to ensure customers know about you. Focus on branding, send the word out on social media, and broadcast your business in other places online, as well as talking about it to others offline. Lastly, know that many businesses struggle to make a profit within the first year, but this is why it’s important to find ways to cut costs in those early days. Financial wisdom is key, so don’t overspend and don’t splurge your cash reserves on anything you don’t need. This way, you will reduce the risk of financial collapse.

Something to think about.

Here’s something to think about if you do relate to the above. While you may face failure, you might also succeed. Statistically, many businesses don’t fail, so it may not happen to you at all. As we have said, planning is key, focussing on both your skills and your finances. And there are people to help you deal with any area where you may struggle. Surely then, it is worth the risk. You will never get anywhere if you don’t try, and you may later regret it if you don’t. Provided you don’t do anything dumb, there is every possibility that you will make it in business. And if you do screw up? Well, at least you tried, and that’s better than not trying at all.

Are you afraid of starting your own business? Consider our advice and think again. It may be a wise decision not to start out on your own, but then again, it could be the best decision you will ever make!

Why Have A Company Uniform?

Some of the key focuses of my blog are Financial Literacy, Wealth Building, Business and Entrepreneurship. Many businesses and services involve the use of uniforms as a form of branding and image. The following contributed post is thus entitled, Why Have A Company Uniform?

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Company uniforms can have a number of benefits. Here are just a few reasons to consider adopting a uniform for your business.

It can make you look more professional

Uniforms can ensure that you and all your staff keep up a professional appearance. Whilst some companies like to introduce a dress code, it’s often easy to bend the rules – the line between smart and casual can easily be blurred. With a dress code there’s little leeway to do this and you can have more control over the level of formality.

It promotes equality

By making your employees dress the same way, you can help to build a sense of equality and unity. Fashion after all can sometimes create a social hierarchy with people judging each other based on dress sense. Having a uniform forces everyone to be on the same level creating a greater sense of equality.

It can save employees money

By having to wear a uniform, employees won’t feel as pressured to dress differently each day and therefore won’t feel the need to keep buying as many clothes. This could save your employees money in some cases. When supplying a uniform, make sure that it is free for your employees – you should only ever charge money if somebody keeps losing part of their uniform.

You can use it to promote your brand

A uniform can be a good form of branding in some cases. You can look into making your own shirt with a company logo on it. Other options could include branded overalls, branded blazers or branded aprons. Branding will help to build awareness of your company and add to your overall brand consistency. It could even be a form of advertising, helping to bring in new business.

It can help clients identify staff

If everyone is dressing in casual clothes, it can sometimes be difficult for clients to identify who is a staff member and who isn’t. A uniform makes it easier to immediately tell who is staff and who is a customer. You can also use varying colours or designs to single out management staff so that customers who want to speak to someone higher know who to talk to.

It can be used to enforce health and safety

In some jobs, a uniform could also be used to help enforce health and safety. The most obvious example of this is the construction trade in which hard hats, hi-vis jackets and gloves all help to protect staff members from harm. Uniforms can have a similar function in other roles – in medical and cooking roles, short sleeves are now often favoured because they don’t get in the way. Consider ways in which you could integrate health and safety into your uniform.

If you take a look at workers compensation laws, you will see that PPE is something that is discussed a lot. A lack of PPE is one of the main reasons for injuries and subsequent compensation claims. Of course, if a worker has failed to use PPE in the way they are directed to, the fault would then fall onto their shoulders. Nevertheless, it is critical to understand how uniform plays a key role in terms of health and safety.

Five Branding Decisions Every Startup Needs to Make

Some of the key focuses of my blog are: Financial Literacy, Wealth Building, Business and Entrepreneurship. A key aspect of starting a successful business is ‘Branding’. The following contributed post is thus titled; Five Branding Decisions Every Startup Needs to Make.

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If you are thinking about going out in the big world and starting your own company, you will need to get the market positioning right, or you will never make it in the competitive world of commerce. No matter which industry you are dipping your toes into, you will need to make some important branding decisions so you can communicate what you offer and what your company is about. We will cover five of them below.

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1. Business Name

One of the first things you should decide on is your business name. You might choose something catchy, unique, or creative, but make sure that you create a name search to make sure that there are no other companies using the same name, or you can get into legal trouble. For more information, check out https://www.qdosaccounting.com/choosing-right-company-name/ so you can make the right branding decision.

2. Logo and Website Design

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Once you have the business name registered, you will have to make sure that you are getting a logo and a website designed. However, you might not want to rush into the decision. In fact, an average college student could put together a good looking website. What really matters is how you engage with your online audience and how many customers your website generates automatically. You might be better off finding a local marketing expert who can take care of your design and branding at the same time.

3. Color Schemes

Once you have your logo, you will have to use the same colors throughout your site and your business literature. You might want to create leaflets, cards, and online banners for your social media sites that match the rest of your brand image and delivers a consistent message to your visitors.

4. Slogan

Without a slogan, your customers will have a hard time working out what your business is about and what you are offering. Many small business owners neglect the importance of a good business slogan. Your slogan will stick in your potential customers’ head. You might want to learn some branding tips from the big companies. We all remember Nike and McDonald’s, because they keep on repeating the same brand messages.

5. Mission, Vision, and Value Statement

If you would like to increase your brand value and connect with your potential buyers on an emotional level, you will have to find a way to communicate what you stand for and align your values with your market’s. While this requires a bit of research, if you get it right, you will be able to strengthen your brand’s reputation and attract the right clients to your business. You need to display your mission, vision, and value statement on your professional business literature, website, and it needs to be communicated through every piece of content you produce.

To start your company the right way, you will have to make some challenging branding decisions. If you get them right, you can create meaningful connections with your target market and increase your brand recognition fast.

Breaking Free From The Shackles of Debt

Two of the focuses of my blog are Financial Literacy and Money. A key aspect of one’s financial health is controlling and minimizing debt. The following contributed post is thus titled; Breaking Free From The Shackles of Debt.

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If you’re in debt then life can start to feel quite gloomy, indeed, having a huge amount of debt can sometimes make people feel trapped like they are a prisoner confined in a prison where they are emotionally paying for what they might feel they have done ‘wrong’.

Yet, debt isn’t as dirty a word as some people feel it is, it doesn’t make you a bad person, and it doesn’t even mean you are necessarily irresponsible. Life is unpredictable and we’re all just a few twists and turns away from being in financial trouble… the greatest challenge is the fact debt is often a slippery slope where one or two missed payments suddenly mount up, and escalate to the point things start snowballing out of control.

The worst thing, though often the most natural thing to do in such circumstances, is to bury your head in the sand. The challenge here is that this is the time you need most to take control and get a handle on the situation.

If your financial situation has snowballed out of control then all is not lost; even if you feel on the brink of despair in most western countries the option to declare bankruptcy exists, meaning you can have a second chance to get things back on track.

People often over complicate the process of breaking free from the shackles of debt as their emotions take over their logical thinking, in psychology this is known as an amygdala hijack where essentially the brain goes into survival mode, and when feeling such intense financial stress, a common response is to bury one’s head in the sand.

The greater challenge, however, is that people in debt often focus on the “debt” as almost a definition of who they are, it’s as if being in debt becomes their identity, and this is dangerous as what we focus on the most we become.

If we liken this to being a prisoner trapped in debt, it’s like looking down at the shackles around your feet, focusing on how trapped and impotent you feel to change the circumstances you’ve found yourself in – yet, it’s only when you stop focusing on the shackles around your feet, start looking up, and shifting your focus that you can get out of debt.

See, the fuel you require to get out of debt is money, as this is the source of freedom in that having money is the only thing that will help you break free from the shackles of debt – whether that’s in the form of a consolidation loan from The Ascent or by earning an extra income through business or employment activities.

When you are focused on the shackles of debt, your attention is not focused on doing the thing that is required to break free – therefore, the predominant thing you need to do to “break free” from debt is to stop focusing on the debt and start focusing on taking the required action to get out of debt.

A Small Business Branding Guide

Some of the key focuses of my blog are: Financial Literacy, Wealth Building, Business and Entrepreneurship. Many Entrepreneurs start off as Small Business Owners and a key aspect of starting a successful business is ‘Branding’. The following contributed post is thus a Small Business Branding Guide.

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It does not matter what sort of business you run, or how big or small it is, branding is pivotal. If you are to stand out from the crowd and achieve your business goals, you need to brand effectively. With that being said, read on to discover the steps that small businesses need to follow when branding their company.

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Put together a budget – The first thing you need to do is determine how much money you have available for your branding budget. A lot of business owners look into lending options for this, as branding is such a pivotal aspect of their company. Head to https://smallbusinessloans.co/ for some more information on this. Either way, it is vital that you know exactly how much money you have available.

Begin by defining your brand – What marketspace do you occupy? You can’t do anything in terms of branding until you define your brand.

Business driver – What drives your company? What is the purpose of your business? Who are your heroes? All of this needs to be considered carefully so that your brand has the right direction.

Think of your brand as a person – This can really help you in terms of making your brand feel like a tangible being, which people can relate to. If your brand was a person what would it be like?

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It’s more than your logo – One of the biggest mistakes that a lot of business owners make is assuming that their logo is their brand. This is a minute part of your brand. Yes, it is a vital part of it, but there is so much more to branding than merely slapping your logo everywhere.

Aim for consistency – Consistency is everything when it comes to having an effective brand. Head to https://www.meltwater.com/blog/5-ways-to-maintain-brand-consistency-as-you-grow-your-business/ for some good advice on this. If your brand is not consistent, you are only going to confuse your audience.

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Don’t copy – Yes, you can seek inspiration from the big brands, but you should never merely copy what other companies are doing. Not only could you end up with a lawsuit on your hands, but you need to have your own identity if you are going to have a strong business presence. The last thing you want to do is make it appear like you are simply a cheap copy of what is already out there.

If you follow the advice that has been presented above, you should be able to establish a strong brand image for your business. As a small business owner, this is imperative if you are to grow your business to the level you hope to.

The Three Biggest Sources of Money Stress

Two of the main focuses of my blog are Financial Literacy and Money. The following contributed post was written by Faye McDonald. It discusses The Three Biggest Sources of Money Stress.

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Most of us have felt it at some point or another. When you’re facing money trouble, stress becomes a real factor in your life. It can affect your sleep, your work, your relationships, and even your health. Here, we’re going to look at some of the biggest sources of money stress and what you can do about them. After all, the impact of money troubles goes a lot further than your bank account.

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Income
A lot of importance is put on getting a job with a good income. It’s true that if your paycheque is big, you’ll have an easier time managing all your costs and putting together savings for your future. However, while working on your career should be a focus, it shouldn’t be the only one. There are other paths to take to financial security and prosperity. It’s all about planning better with what you have. By creating a budget, it’s easy to find the little extra savings that you can contribute to long-term goals. These investments from Profitable Venture show that you can even start contributing them to strategies that can see them playing a part in growing your wealth outside of your job. Investments allow you to diversify not only your income but also your reserves for retirement and bigger investments in the future.

Debt
The fear of debt is often a lot worse than debt, itself. There are a lot of different strategies to try and handle it. None of them involve ignoring the problem and hoping you don’t get noticed, which is unfortunately what most people in a panic tend to do. There are options to help control it like debt consolidation loans from Buddy Loans, but you should always try talking to your creditors first and foremost. If you begin to suspect you will have trouble repaying your debts to the letter of the agreement, you may be able to negotiate it with them. You might not always have your debt reduced, but you can get your repayments restructured. Most creditors don’t want to have to turn to collectors just as much as you want to avoid them.

Insecurity
If you’re living on a low income, one of the biggest fears might be the risk that an unexpected cost could bring with it. If you suddenly have to pay for major car repairs, would it put you in debt? Besides insurance, building an emergency fund is one of the best ways to ensure that you at least have some safety nets to stop you from going into freefall. Contribute a little bit of your income every month towards a fund that can cover all of your expenses lasting three-to-five months. That way it can cover not only unexpected costs but some of the danger of being put out of employment, too.

Don’t forget that there are resources like the Money Advice Service that you can turn to when you can’t see any options that can help your financial situation. It’s easy to feel like you’re stuck in a downward spiral, but if you’re not a financial expert, there may be solutions and plans that you haven’t considered.

We Need To Be More Productive At Producing Food

A major focus of my blog is Science, Technology, Engineering and Mathematics (STEM), and Agrosciences falls within this category. The following contributed post is entitled, How We Need To Be More Productive At Producing Food.

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In a world of big topics – from Climate Change to Plastic Pollution to the #MeToo – it can be easy for some impossibly important conversations to get lost in the white noise, as imperative as it may be to our survival. But none is more important than food because, right now, today, there are 795 million hungry people; a number that’s going to grow by another 2 billion before 2050. And if we’re going to make that possible, then it’s a question we need to talk about a whole lot more than we are right now.

It’s a problem we shouldn’t have, yet here we are, unable to improve the global food security as much as we need to. That’s why it’s so important we all help tighten up on this area and do all we can to make sure there are enough calories to properly nourish everyone on the planet, but without making the agricultural footprint any bigger.

So, without further ado, here’s what we need to focus on:

1. Close The Food Gap
One of the biggest issues we have isn’t a lack of agricultural land, it’s the fact this land isn’t reaching its full potential. In fact, some places are yielding 50% less than their capabilities. Closing this gap is so important. Not only would it reduce the need to clear land for agriculture, it would help us feed those hungry people using the land we have.

2. Produce More With Less
It doesn’t matter whether you’re talking about the use of fertilisers or nutritional supplements, we need to be more efficient – and effective – when it comes to the production of food. But let’s start with nutritional supplements. A quick visit here and you’ll quickly learn that naturally-raised weanling pigs and livestock whose diets contained Pro+ ate more feed and gained more weight, which makes them more efficient. That’s what we need. The same principle applies to fertiliser, where it’s estimated that the use of nitrogen and phosphorus-based fertilisers, which are used on wheat, rice and maize crops, could be slashed by 15-30% and still produce the same yields. And that’s without factoring any adjustments in the timing, placement and type of fertilizer used.

3. Water Is A Worry
Water is possibly the biggest issue right now, and improving irrigation systems and planting crops that use less water needs to become the focus moving forward. Take rice and sugarcane as a prime example of crops that need the most water. The problem is, you can’t simply swap crops you grow as all farmers base their decisions on current market values. As such, the only way to tackle this issue effectively and efficiently would be to encourage farmers through economic incentives, ones that can be tweaked and tailored to regional differences and cultural tastes.

4. Food Waste Needs Addressing
Across the globe, between 30-50% of all food produced goes to waste, whether that be thrown, due to the inefficient preparation or just inadequate storage facilities. Address this and we have addressed a huge issue moving forward.

The Best Influence: Saving Money As A Father

Two of the focuses of my blog are Financial Literacy and Money. The following contributed post was written by Emma Morgan. It discusses The Best Influence: Saving Money As A Father.

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When you’re trying to be a great dad, having little to no spare cash during the year makes it a challenge to stay positive, and money worries are often a cause of family quarrels and arguments. Therefore, it’s worth looking into ways you can be thrifty, and save money each day in your home and lifestyle. It’s never too late to begin making wiser, considered choices regarding your finances, so make plans as soon as possible to start making positive change.

You can put your excess cash into savings for next year and the future, or your money can go towards covering the cost of family life, and ensure that you and your kids want for nothing. Being smart with money is also a great thing to instill in your children; they’ll be influenced by your good habits. The following are some ideas, tips, and advice for fathers looking to cut back their spending, and ensure their outgoings aren’t too much, by making little lifestyle changes that will add up to making a big difference.

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Family Transport

Vehicles can cost a lot to maintain, so it’s worthwhile reducing the family’s car to just one, and figuring out how you can reduce using them regularly. It’s also worth checking out a car payment calculator so that you can get a better idea of your monthly outgoings regarding your car, for more successful budgeting.

Your daily commute might be costing you heavily in fuel, especially when you’re stuck in traffic. Therefore, many are choosing to cycle to work, and bikes are a common sight on the roads during rush hour. Public transport passes work out cheaper if you buy them in bulk, and many services will get you to work far quicker than if you were in a car on the roads, so this could be another option for you if you’re not confident when cycling.

Family Food

Often, it’s easy to get home and realize there’s nothing in the fridge to eat, and end up ordering an expensive takeaway. The same goes for when you’re out in the day; you can end up spending a lot of cash on food from shops and cafes. Therefore, when you write your weekly grocery list; make sure you meal plan each day for the family. If you have the ingredients ready to use when you get in or can create a tasty lunch to take to work; you’ll reap the savings every day.

Family Budget

Sadly, it can sometimes be easy to find yourself in debt, especially when you’ve had unexpected costs to fork out for, or you’ve got behind with payments on something. Therefore, it’s crucial that you create a detailed account of what you’re bringing each month and compare it to your outgoings. This is the best place to start regarding how you can make changes to improve things long-term, so make sure you include everything, right down to the last cent. You can begin to change your monthly budget and improve family life in the meantime, for a bright future as a father ahead.