7 Reasons

Tag: Bills

  • Guest Post: 7 Reasons You Run Out Of Money Every Month

    Guest Post: 7 Reasons You Run Out Of Money Every Month

    It’s getting harder to save money for your future with the euro being inflated every year. However, there are some things that are completely within your control. Before you complain about how expensive everything seems to be getting these days, check your ego at the door and make sure you’re not committing these seven deadly spending sins.

    7 Reasons You Run Out Of Money Every Month

    1.  You’re Shopping Way Too Much. Shopping is fun. Heck, what girl doesn’t like a new dress or pair of shoes? Shopping sprees aren’t just a female problem either. Men can get carried away on designer stuff too. If you have a shopping addiction, try putting away the credit card for a few days. If you still think you need a new pair of pants or a shirt, then consider visiting a charity shop – especially if you’re hooked on ModCloth.com offerings. You might be able to find some nice vintage stuff for much less than what you’ll pay retail.

    2.  You Drink So Much Coffee, Your Blood Is Now At Least 50 Percent Caffeine. Coffee can be addictive, and Starbucks is a pretty popular place, but there’s no need to go there three times a day. Even once a day gets expensive. If you need your coffee fix in the morning consider getting a pour over kit. The initial cost of manual pour over equipment pales in comparison to what it will save you over time. If you spend £2.60 every day on coffee, you will benefit from getting manual pour over equipment. In one month you’ll spend enough on Starbucks to buy yourself a decent filtercone holder, some nice filters, and some decent coffee. Two month’s worth of coffee will get you an excellent coffee grinder.

    The benefit? The learning curve is not very steep, it takes just as long to stand in line as it does to make your own coffee at home, and a manual pour over results in a stronger and better cup of coffee than what most retail places will sell you.

    3.  Those Late Night ATM Runs – You Know The Ones. Are you a night owl? Do you spend a lot of time at clubs, pubs, and after-hours parties? Going to the ATM to reload your wallet with cash takes its toll. There’s no easy solution to this problem other than taking it easy on the partying. Staying home and reading a book might not sound like much fun, but your bank account will thank you.

    4.  You Are Paying For More Channels Than You Can Possibly Watch. There’s nothing wrong with having cable T.V. In fact, it might add to your life in some way. However, there comes a point when enough is enough. If you’re paying for so many channels that you can never possibly watch all of them, it may be time to rethink your service plan. If you ever find yourself turning on your T.V. and thinking “oh wow, I didn’t even know I had this channel,” then it might be time to consider going with a cheaper package or perhaps cutting your cable down to the bare minimum.

    5.  You Eat Out So Often, You Haven’t Seen The Inside Of Your Fridge In Three Weeks. Eating out once in a while is fun. You don’t have to do the dishes, and you can usually get something that you find difficult or impossible to prepare yourself at home. However, if you’ve forgotten what the inside of your refrigerator looks like, or if the food in there has started to look more like a science experiment than leftovers because of all of the mold, then consider making more meals at home. Staying in has a wonderful positive effect on your bank account.

    6.  You Spend More Time On Your Hobbies Than You Do Working At Your Paying Job. Having hobbies allows you to stay active when you’re not working. However, when you spend more time on your hobbies than you do working at your “day job,” there’s something wrong. Maybe you should make your hobby your new job (by starting a business oriented around it) or find a new job that allows you to earn money from doing whatever it is you really love doing.

    7.  The Only Time You Step Foot On A Sidewalk Is To Get To Your Car. Automobiles allow us to get where we want to go faster than we ever could by walking. However, there’s a benefit to walking: it’s cheaper and allows us to get exercise. Consider walking or biking to work, if you live close enough.

    Guest post written by Elizabeth Goldman and brought to you by Wonga – the short term loan experts.

  • 7 Reasons Not To Ignore The Elephant In The Room

    7 Reasons Not To Ignore The Elephant In The Room

    Come on, hands up. How many of you have noticed an elephant in the room and then just turned the other cheek? Be honest. Well that was very risky of you. Don’t you know the dangers? In keeping with tradition, here are seven, yes seven, reasons why ignoring it was wrong. Wrong, wrong, wrong, wrong, wrong. Just wrong.

    Banksy Elephant In The Room

    1.  Love. If an elephant has entered your room there are a number of possibilities as to why. Maybe they’re lost? Maybe you’re lost (and elephant’s trunk)? Maybe they’re bored of the savanna and now want to live in Bolton? Whichever it is, ignoring them is not the way to go. The chances are they will be nervous, afraid and sceptical of their new surroundings, so the least you can do is make them feel loved and welcome.

    2.  Damage. Elephants are big lumps of meat and probably not too dexterous when it comes to tight spaces. As a result you need to watch it like a hawk. If you so much as glance back at facebook you could find yourself losing that impending insurance claim. If the elephant treads on the coffee table and the TV and the wife, but you’ve been too busy poking some fifteen year-old on the internet to notice, well, it’s just going to be your word against the elephants. And people just don’t beat elephants. At anything.

    3.  Water. This will affect those of you who have a water meter more than those who just pay for the buffet ‘all you can use’ service. Elephants like water. Sometimes they like spraying it at clowns, but for the most part they like drinking it and washing themselves with it. Unlike the bush, your home probably has water on tap. If that elephant gets anywhere near your kitchen you are going to be consolidating your debts quicker than you can say ‘Accident Help Line’.

    4.  Sticky Buns. I have no idea whether elephants and their carnal desires towards sticky buns is in fact a truth or merely a myth. The last place I want to discover if it is the former however, is in my lounge. As a result the elephant shall not move from my line of vision. And if you don’t want an elephant sucking on your weekly pleasure, I suggest you do the same.

    5.  Mates. Don’t be so naive as to think the elephant is alone. Chances are, half his/her pride are waiting outside while he/she checks out places to stay for the night. Perhaps they are headed to Scotland for the Elephant Polo World Championships? But don’t think about heading off to the study to research this on Wikipedia, because if you disappear for  evne just a split-second Babar and his mates will be flying through that hole in the wall and making them selves comfy on the sawdust. Or the sofa as it was known earlier that day.

    6.  Hunters. Sadly, you are not the only endangered species here. It is quite possible that the elephant is hiding at yours because some git is after his/her tusks. I can’t believe for a minute that you are pro-elephant hunting, so you won’t let it back on the street, will you? Instead you must protect it. And protecting it means keeping an eye on it at all times. If you let it wander off to the kitchen alone the hunter will see his opportunity. He won’t waste a moment. Before you know it he will have popped his weapon through the cat flap and fired off rapidly. You’d need more than a Kleenex to clear up that mess.

    7.  Comfort. Or lack of it. The elephant in the room is glaring. The elephant in the room makes everyone uncomfortable. The elephant in the room is a hindrance to achievement. The elephant in the room scares the cat. The elephant in the room keeps squashing unused lemons into the carpet. It’s getting ridiculous. It’s time to stop ignoring it. You must deal with the elephant now. Right now. It’ll be for the best. We promise.