The research and effort required to buy a home can feel insurmountable. In addition to saving up for your down payment, viewing the right home, and finding and applying for a mortgage, you also need to be savvy in the local housing market. Buying a house at the wrong time can lead to financial hardship down the road while finding the right market to buy in can seem like an elusive goal. Luckily, there are plenty of resources to help the prospective home buyer. Tools such as this 30 year mortgage loan calculator and information about the best and worst…
Author: Tina Roth
It is definitely possible to live debt-free. But it will require making some sacrifices. That said, you may come to find that the things which you sacrifice are your own shackles. Much of what drags people into debt today is entirely unnecessary. We have three practices that people who are debt free usually engage in. These practices help them live amazing lives without the bonds of debt on their shoulders. By employing these strategies, you may also be able to experience the liberty of debt-free life. 1: Debt Free People Live Beneath Their Means It’s not always in your best…
It’s safe to say that we’re not always happy with the financial situation that we’re in. And that can be tough. Because you know that you want to make a change, but you don’t always know how to do it. And sometimes, you can feel stuck or very limited. When this is the case, you often hold yourself back from making a change – because you don’t think you have options. But when all you want is financial security, and you’re not feeling all that secure in your current situation, you feel like you’re never going to have it. But…
Keeping your overheads down is one of the best things you can do for your business. The lower your expenses are, the better your profits will be and the more likely it is that you will be able to weather any storms in the economy now and in the future. The good news is, whether you’re a small business seemingly existing on a shoestring as it is or you’re a huge multi-national company with a huge budget, there are numerous things you can do to reduce your overheads – here are just some of them: Review, Review. Review Review every…
Have you noticed that it has never been easier to start a business? It seems everyone is doing it. If you have a smartphone and a little bit of time, you can get a business up and running today. That is not to say that the business you start that way will be any good. It probably won’t make you money. And it very likely will not last very long. So let us begin with the premise that what you want to start is a real business with the potential to make a difference and last a long time. If…
Even when we buy a used car, the dealer often offers us a warranty. It seems like a good idea, and to be sure, we don’t want to feel like we’ve bought a lemon if something goes wrong months later. However, those warranties only cover a short amount of time at the beginning of your ownership period. This is the exact time when things are less likely to break down. To draw coverage out longer, you can purchase an other kinds of warranties for your car. More Tech, More Warranties There are various reasons why more and more owners are…
A business shouldn’t be hunting for money, but a business can often find itself doing just that when the market is how it is. Just like in personal circumstances, it’s hard to actually get by, and there’s a lot of spending involved with not a lot of results. But for the most part, you should find yourself comfortable with money when you’re running a business. If you don’t, there’s a few things you can do to make sure you’re picking up the pennies, here are just a few of them for you! Your Employment Tactics So many companies waste so…
The vast majority of businesses today use Office 365 in some capacity. It is, therefore, important that you and your employees know how to use this platform efficiently so that your team can work productively and get projects completed as quickly as possible. Considering the sheer functionality and mass of features that Office 365 brings to the table, it is likely that there are a few productivity hacks that you are not aware of. So, read on to discover how you can make your life and your team’s life much easier when using Office 365… Collaborate on Word documents in…
This blog is all about taking control of your personal finances. And what better way to do this than by establishing your own business? Many salaried workers grow frustrated not only by their jobs but the lack of opportunity within their chosen sector. They have been raised to believe in meritocracy and that hard work and persistence pay dividends. Yet they spend years going above and beyond, putting in unpaid overtime and making themselves indispensable to their line managers only for their wages to stagnate and their career prospects dwindle with every passing year. In this culture, it’s little wonder…
Funding your business is no small feat. It takes time, effort, a lot of thought and very often is a labor of love. If you already have your business start-up idea or looking for the best franchise to own, then you’ll be either starting to save or looking for the best ways to get started. In this article there will be a couple of options, not every financing avenue will suit every person, so look at what will suit your situation. The first and most obvious route is a bank loan. Although in previous years, it has become a little…