One of the problems that contractors, sole traders and smaller businesses endure is that of time spent on necessary but annoying areas such as accounts, tax and other such routines. Employing a full or part-time accounts assistant is costly, so you end up doing your books, filling in your self-assessment returns and dealing with the likes of VAT yourself. Of course, this is time that could be better spent using your particular skills, so what do you do to free up this time? (more…)
2016 has already seen its fair share of market volatility and the year is not over yet. Such drastic movements and changes in predominant interest rates leave many investors wondering what 2016 may have in store. As the effects of the Brexit are just beginning to take hold and with a hint of an interest rate rise from the United States Federal reserve, many are considering CFD trades as more of a safe haven when compared to other assets. How can these platforms be utilised and perhaps more importantly, will a bearish 2017 market have any effect upon potential profit margins? (more…)
When we’re talking about money problems, things don’t get much bigger than monthly repayments. It can be hard paying money to different people/institutions every month. You lose track of everything and end up missing repayments. To help make things easier for you, I’ve written a guide to dealing with monthly payments: (more…)
It’s a hard subject to discuss, but death and will-writing are facts of life. So, this in mind, you should get your affairs in order as soon as possible. You could put your family at financial risk if you pass away without a will, so take the necessary steps to get in shape.
If you’re about to begin the will-writing process, you’re in the right place. In order to protect your family, you’ll need all the advice you can get! So, here are some top will-related tips that can help you secure the financial future of your loved ones. (more…)
Unfortunately, debt affects many of us at some point in our lives. Part of the reason for this is that there are many forms it can take. There are very few people who are complete strangers to the experience of owing money. The only real difference is in how much is owed. Some people only ever owe a little, and some end up getting into a hole where it feels like they can’t get out. The upside of all this is that, if you are in debt, you are not alone. Others have been in the same situation you are in. There’s good news in that, which is that help is always at hand. There are all sorts of things you can do to lessen the debt in your life, and all sorts of coping strategies too. In this post, we are going to look at what steps you can take to make your debt more manageable and less overwhelming. (more…)
Making the decision to start your own company and become self-employed is incredibly exciting. It’s the opportunity of a lifetime to launch your own unique business and know that you’ll be credited with the success after all the hard work you put in.
Planning the launch though is an area which takes a great amount of organisation. You need to consider where you will work, your marketing and PR and consider where the initial finances will need to be utilised as a priority.
Saving money can be quite a chore if you’re not prepared for it. You need to have systems in place as a family to ensure that you are saving money on a regular basis. And it’s not just about putting money away for the future.
You also need to focus on particular strategies and techniques that can bring more money into the home, or cut down on money being spent. In this article we will look at a few ways in which you can save money as a family on a regular basis.
So you’re young and pretty much fancy free. The one thing that is starting to get a little bit annoying is the fact that you have to manage your money.
This will not go away as you start your twenties, and getting the right habits in place now will mean that you have an approach to your financial future that will ensure you always stay in the best possible position when it comes to money. Consider the following tips, which have been created especially for people who have just hit their twenties. (more…)
As we move further through our financial lives we sometimes find that our needs change a little when it comes to our money. This is when a bank can really help, because it can provide us with bank accounts that are more appropriate for our needs.
Online banking has become one of the most convenient ways to manage our money. We can access our money any time, day or night, and we can pay bills or arrange any other form of banking through simply firing up the computer.