How much do you spend on gifts?

you spend on gifts

I just went to buy my BF his Christmas present. I suck at gift giving, and I don’t really do Christmas anyway, so it is always complicated to find something nice. And usually, I find most cheap presents so annoying that I overcompensate with something super expensive in the end. Or nothing.

This year, I am pretty proud of myself, I spent just over $100 on a coffee grinder and an expresso machine. He loves coffee and has been talking about how he misses a good expresso, and since I don’t drink coffee it will be a gift only for him. Oh, I do that too, you know, getting gifts for people that I would enjoy and totally forget that those people are not me. [Read more...]

A low-cost loan may be your best gift this Christmas

A low-cost loan may be your best gift this Christmas

We have lift off on the John Lewis advert. Christmas jumpers are in stock. Roast dinner practicing is very much in session. And bookmakers are predictably “slashing” odds on a white Christmas. Ah, the festive season is well and truly upon us, so let the mirth and merriment commence!

Yet for all the fun and festivities with friends and family, there is one thing that nags at many of us throughout this joyous period – money. Indeed, buying presents, attending celebrations, stocking up the house and even going on holiday comes at a cost, and all these traditional obligations, while enjoyable, can leave you out of pocket come January. [Read more...]

Top 6 Free Tools to Start and Grow your Online Business

Top 6 Free Tools to Start and Grow your Online Business

Starting and growing an online business can be challenging. There is a lot to think about. You have to create a website, drive traffic to it, grow a social media presence, create great content, guest post.

Hopefully some free tools can help you stay organized and optimize your time.

Here are a few of them: [Read more...]

Cut Business Travel Expenses — Without Living on Hot Dogs

Cut Business Travel Expenses

Whenever a business is looking for places to reduce expenses, business travel is usually first on the chopping block. After all, thanks to technology, meetings that used to require a cross-country flight can now be handled via videoconference.

Still, there are times when you need to put in real face time — not just the on-camera kind — with clients, or attend an industry event, and the only way to do so is to travel. And thanks to a culture in which many people associate traveling on the company’s dime with traveling in relative style, business travel expenses can often skyrocket, and take a big chunk out of the budget, especially for small businesses and startups. [Read more...]

Miami holiday expenses

Miami holiday expenses

I am back from two weeks in Miami and it was a great trip! Pretty expensive, although it was pretty close to what I expected, and most of it was shopping for things I needed and a few treats… Here is a quick recap.


The flights from Miami to Guatemala on Spirit were $275 including one luggage each on the return flight. We went with a small backpack and bought suitcases on the way back to fit all the stuff we’d bought. Spirit really has great fares but it is a pain to change or cancel your flight so you have to be sure you’ll use it. [Read more...]

Best Loans to Help Build Credit


Trying to build credit can seem like trying to build the London Bridge over night. It is not an easy task, nor is it one that happens fast. It will take plenty of time to get your credit score either boosted from damage that occurred as a result of a mishap or just started from the ground up. There are a multitude of different loans out there for you to apply for, but the key is to focus on the ones that will boost your credit the most.

Installment Loans

Your credit score is comprised of many factors, of which 30% is the credit utilization rate. This is a measure of the amount of credit you have outstanding compared to how much you are provided. For example, if you have a $1,000 credit limit and you used $900 of it, you have a 90% utilization rate, which is not good. Generally, lenders want your utilization rate under 30%; anything over that threshold and your credit score is negatively affected. Installment loans, however, do not affect the utilization rate. This is a great way to take out credit and not negatively affect your credit score. As you make your payments on time, you will boost your score instead. [Read more...]

The Annual Savings of Switching to LED at your Family Home


You may know LEDs as the little lights on the front of your TV, you may know them as the technology behind the latest flat screen monitors. Did you know that these cool little pieces of technology could save you hundreds of pounds every year?

Light Emitting Diodes (LEDs) are unique when it comes to home lighting for several reasons. First and foremost, unlike traditional incandescent bulbs, LEDs don’t get hot. This is important for two reasons: firstly LED lighting doesn’t waste energy as heat, and secondly they have a much, much longer operational life. Where an old incandescent bulb will last for an average of 1000h hours (double that if it’s a halogen bulb), the average LED bulb has an operational lifespan of around 30,000 hours. At the rapid rate that LED technology has evolved over the years, this figure will only go up too. Not only does that mean less home maintenance and far less hassle for you, but it means less broken bulbs filling up landfill at the end of the day. [Read more...]

4 Things to Keep in Mind when Purchasing Assets for your Business


Is it time to purchase assets for your business? Don’t just throw your money away – take your time to consider your business needs carefully. Even if you’ve made similar purchases in the past, your requirements may have changed since then. Here are some things to consider before you hand over the cash for that new company car, printer or computer.

They need to have a purpose

It feels obvious, but everything you buy for your business should have a clearly defined purpose. This purpose should directly address a need that your business is experiencing. For example, if you have to regularly travel to meetings with clients and take cabs on a daily basis, your fares may be more expensive than the costs associated with maintaining a company car. The need is transportation; the solution is a car. Think objectively about every potential asset you buy before spending any money. [Read more...]

Boost your employment skills: try these tips

accounting software

Where there’s a place of employment, there’s the opportunity for promotion. And with promotion comes oodles of extra cash (unless you’re working in some kind of Dickensian nightmare, of course).

Much like a Dickens novel, you’re unlikely to get anywhere without a few great expectations. It takes a rigorous work ethic, an enthusiasm for gaining new skills and an ability to make new connections fast. More than anything, it takes that well-worn cliché of a phrase – going above and beyond the call of duty.

None of these are simple skills to acquire. But with the right amount of application, you can work your way up the employment ladder.

With that in mind, we’ve come up with a few ways to help you in your move to the top. [Read more...]

Turning Over a New Leaf with Personal Finance

cost of cashing on annuities

Most people aren’t good with money. Nobody is born with a generalized knowledge of good money management. As such, most of us stumble through at least a couple decades of bad financial decisions. For many of us, good money choices are made, but they’re quickly negated by bad ones. It takes a lot of people some financial hardship or a major life change to start managing their money well. For some, it’s the birth of a child or the sudden loss of a job. Others simply learn enough about the world that they start to value money, after having to work so hard at a career to earn it. Whatever path you take to becoming more responsible for your personal finances, we’re glad you’ve made it. From here, you’ve got a choice to make. [Read more...]