Personal Finance

5 Things You Need To Know Before Taking a Mortgage

Taking a mortgage is one of the most important financial steps in anyone’s life. And regardless of whether you are doing this as an investment or if you actually want to live in the house you finance with your mortgage, you will definitely want to be really well informed before you seal the deal. What are some of the most important things you need to know before taking a mortgage? Read here and find out more. Not all loans are created alike …and you really need to know the differences between the different types of mortgages available out there. Otherwise, you might end up with a very long-term loan that doesn’t satisfy your needs and expectations – and that’s the last thing you want to cling on to for the next decades or so. You do need good credit score Depending on each lender’s policy, you may be able to…

How I finally fixed my finances- and how you can too!

Are you feeling like you’ll never get financially sorted? Maybe you thought you’d finally ‘have it all together by this age’ or you simply can’t seem to get ahead, even though you feel like you’re relatively good with money. Don’t worry- I feel you. After years of living in developing countries where I could live like a queen on very little income, moving back was a shock to my system. It also meant that I needed to get real about my finances. Here are a few ways I did it: Creating a budget I know, this doesn’t sound fun, but it really is crucial. That’s because a budget will allow you to still have fun, while also managing your money. Basically, take a look at all your outgoings, and the things that you absolutely need to pay for. Then, look at how much you have left and divide it up…

Secrets of a Digital Nomad: Travel the World While Working

If you’ve dreamed about leaving your traditional 9-5 job and having the opportunity to travel while you work, you’re the perfect candidate to become a digital nomad. We know, it sounds a little too good to be true…but trust us, it’s definitely worth a try and it’s 100% possible (granted that you have internet and a working laptop). What exactly or who exactly is a digital nomad? A digital nomad is someone who works remotely while traveling the world (hence the nomad part). Digital nomads tend to move around from town to town, city to city, country to country, continent to continent. And though many people often picture the perfect digital nomad lifestyle as working from the beach, that’s not truly accurate. Have you ever tried using your phone, tablet, or laptop outside on a really sunny day? It’s not really conducive to productivity. This, however, doesn’t mean that digital…

Why Providing an Educational Experience Is A Good Marketing Tactic

When it comes to email marketing, there are certain aspects that you need to take into consideration in order to make sure that the campaign and the emails themselves are of the highest standard. You will have to decide between a responsive or a non-responsive email design. Email standards are constantly changing, which means that having the right design ends up playing a big role as far as reaching out to a prospect goes. In order to know which side to pick, you need to have a good understanding of what responsive and non-responsive emails imply. A non-responsive email is a “one size fits all” type, which is built from a template. In the opposite corner, a responsive email is built in such a manner that it will automatically adjust in order to fit the margins of the device that you’re seeing it on – whether it’s a desktop computer,…

Everything You Need To Start Selling From Scratch

Starting a business can be a risky venture. For many entrepreneurs, starting something scratch is not a problem and is second nature. But for others who may be coming out of a corporate environment where systems and processes have been in place for ages, it can be difficult to know how to even get going. Sales is one of the first functions that a new business has to figure out. How do you get customers? How do you build a system and processes that will churn out new customers in a repeatable and scalable way? Here is everything you need to think through as a new business owner to start a sales organization from scratch. Identify Target Market You’ve probably already thought through your product or service. You may even have an idea of who the general target market is. But for you to start hitting the pavement with sales,…

7 Ways to Advertise Your Online Shop for Free

Costly marketing strategies and high-budget spending – that is what many people think when advertising is mentioned. Being the proud owner of an online shop, advertising in the digital space is vital to your growth and survival. However, many other online businesses are targeting the same consumer base as you, and it can be hard to remain competitive in the advertising arena on a limited budget. The good news is that you don’t need an unlimited marketing budget to get a competitive edge when it comes to advertising. There are ways to do it all for free and generate leads with a high potential to be converted into loyal customers. Wondering how you can advertise your online shop for free? Here are seven ways to do it. 1. Social Media Marketing Social media has emerged as one of the biggest game changers when it comes to brand recognition and building…

How to manage your finances better in 2019

For most people, if they lost their job tomorrow, they would have enough savings to get themselves through one month. That’s it. This can be a scary way to live- just look at the government employees in the United States, who suddenly couldn’t pay their bills. If you would be in a similar situation after a month with no work, it’s time to get your finances in order. Here are some ways you can manage your finances better in 2019: Utilize credit the smart way Using credit can be a good thing. After all, it helps build your credit score as you prove you’re a responsible lender. Where people get themselves in trouble, is when they can’t afford to purchase something at the time and choose to use finance, a loan, or their credit cards. It can be easy to assume you’ll be able to pay this back, but if…

Ways to Build Wealth Through Stocks

How do you grow wealth in America? Back in the day, it was supposed to be hard work that turned regular folks into millionaires and billionaires. And, sure, that’s still a pretty important part of the equation for many people. But here’s a harsh truth: For most of us, hard work and diligent saving are not enough to build real wealth. Why? It’s because our money loses its buying power over time. When we stash our money under the mattress, we’re robbing from ourselves. When we pull it back out again, it will be worth less than it was when we earned it. It’s called inflation, and beating it is at the center of most wealth-building strategies. And the best way to beat it? You guessed it: stocks. You have a lot of ways to get more out of stock investing and build real wealth, so let’s talk about some…

What You Can Do with a Degree in Social Science

If you’d like a career in which your main goal would be to help a person get through a challenging time, taking a Social Science degree could be the best thing you ever do. To discover what specific career pathways you could go down with such a qualification, make sure to read on. You can become a psychologist You could use your Social Science degree to enter the field of psychology. In this industry, you would devote your time to working with people, be them individually or in groups, to help them overcome behavioral issues and problems pertaining to the psychology that underpins them. Your day-to-day life would see you observe a number of processes, from the cognitive to the emotional to the social, your goal being to help your patients improve certain aspects of their lives. If you wish to go down the psychology route, your Social Sciences degree…

How to Save Money on Travel

If you ask the average person why they don’t travel, you’ll probably get an answer along the lines of “It’s too expensive”. When we look at how much we spend on “things” every year, it’s easy to see why most people believe that they can’t afford to travel. Because many people only get to travel every few years, they plan a huge vacation that often costs thousands. The problem with this, is that staying in 5-star hotels becomes the new way to travel, and people naturally assume that they’ll need some serious money if they want to see the world. Here’s how to save money on travel: Travel Longer It may seem strange, but instead of heading away for a few long weekends throughout the year, or even two one-week vacations, it makes more sense financially to just work hard and then take a longer holiday. Save your time off,…

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