Tag: Work

Guest Post: 7 Reasons To Set Up Your Own Business

Stuck in a mind-numbing career, recently redundant or ready to work after study or childbirth? You might be leery of the job market but worried that setting up a business is beyond you. Perhaps you don’t think you’ll be able to raise enough capital. But did you know that most things you need to run a business are now available in monthly installments on the internet? Accountants, project management, web hosting, even entire call centres (thanks to web hosted telephony and dialler systems that can be run remotely) – so you might not need as much cash up front as you think. And there’s always Kickstarter…

Anyway, if you’re stuck on the fence, see if our reasons can’t give you a little shove…

1. It’s better than being unemployed. Many people are facing – or have already endured – redundancy over the past few years of economic uncertainty. And they weren’t the first ones. Going to the Jobcentre, relying on state (or, indeed, anyone else’s) handouts for your income (which equals safety, food and well-being, when it boils down to it) is depressing. Money for nothing sounds all very well but you don’t get much of it, and not actually earning it is not great for self-esteem.

2. It gives you a more personal sense of security. This may seem counterintuitive, since you’ll be fending for yourself. But you’ll be relying on you. Not the whims of shareholders or the narrow confines of an employer’s market. If work dries up in one area, you can go and find a new motherlode somewhere else. You will have to save up an emergency fund that can tide you over if times get tough, but otherwise you’ll be free to develop yourself and your business in whatever direction feels most rewarding – financially and personally.

3. You get to make the decisions – creatively & financially. Sure, you might make the WRONG decisions sometimes, but that is pretty much a core mechanic to actually learning anything, ever. Wrong decisions teach you how to rebound, adapt, and try again. But imagine working for someone else who frequently makes bad decisions and you have barely any control over that – over the decisions themselves, or how they’re dealt with afterwards. That’s pretty frustrating. Running your own business puts you in control.

4. You learn a lot. There’ll be all that research you do to make sure you know what you’re doing, and the people you speak to will all have something to teach you, if you’re observant. And those decisions – the ones that don’t work out and the ones that give you satisfying glow – will all stack up in your “experience and insights” hopper for retrieval next time you’re weighing something up.

5. Bragging rights – or more importantly, self-confidence. When you take all those lessons you’ve learnt, make some good decisions and things go well, you’ll receive several valuable assets: a strong indicator of what you should do more of, in order to keep succeeding; a blend of security and gratitude for proving to yourself that you’ve got your own back; and far better Facebook updates than “look what I had for lunch again”.

6. You may get to create jobs for people. If you can expand enough to become an employer, you can provide work and income for someone else. This feels really, really good.

7. It’s liberating. Becoming self-employed makes the world look like one big opportunity – to meet people, have new ideas and explore emerging trends. Reading newspapers, looking out of train windows – they all become opportunities for Having Creative Thoughts, which is a nice sensation and may lead to the next stage of your career.

Good luck!

December 21, 2012
Guest Post: 7 Reasons To Join A University Sports Team
Joining a university sports team isn’t all about how good you are at, for example, football. It is also about frequently partying, team banter, being the donkey of the day, drinking, drinking, laughing when some steals your pants and more drinking.

If you want to attain a respectable degree, you may think it’s a good idea to avoid such shenanigans. You may be right, but here are 7 reasons why joining a University sports team is the best idea since sliced bread and of course the see-through toaster.

1. Making friends for life. Leaving home for University is a daunting prospect. For probably the first time in your life you’ll be away from your parents and friends for a prolonged period of time. The thought of that kinda sucks. So one of the best ways to get involved straight away is to visit the fresher’s fair and sign up to a sports society. The induction will normally involve downing dirty pints whilst standing on a chair singing the national anthem (speaking from experience), however it’s a small price to pay as making yourself look like an idiot is a great way to break the ice and form bonds that never crack.

2. Legendary status. Going on a team night out and abiding by all the tasks the seniors set you, will provide you with a Van Wilder-like status. Also, if you are actually good at the sport of choice and put in a few “god-like” performances on the field and in the sports hall, that’ll do nothing but enhance your burgeoning reputation.

3. Partying. After a hard day of study and lectures at University the best way to unwind is to socialise. Being part of a University sport’s team provides you with the opportunity (sometimes more than you would like) to let your hair down and have a laugh. University is all about getting the work/life balance correct. Too much work and you can quickly turn into a nocturnal creature dependent on Lucozade and coffee. Alternatively too much partying can lead you to become less focused on your study and result in a zombie like existence. So do your work, then enjoy life.

4. Going on tour. Being part of a sport’s team or society will more than likely present the opportunity to go on tour and visit foreign countries. Festivals such as Saloufest, Festival Italia and Damfest all provide opportunities to play sport against other students from different Universities. One great way to personalise the trip and add to the banter is to design and order team t-shirts, polo shirts and hoodies bearing the University logo and nicknames/slogans, click here for more information. Here are a few good slogan ideas…
- I’m not shy – I’m just examining my prey
- I can fix anything – Where’s the duct tape.
- I’m in shape – Round is a Shape
5. Forfeits. Being the victim of forfeits isn’t great, especially if it’s your fourth time that night. However, designing them and watching them in action rectifies that pain/pleasure balance. Watching someone remove their attire and ride a traffic cone as if it was a pony, may not sound like everyone’s idea of a great night out, but when you’re at University you’ll be amazed at how good such things are for morale. The memories will last a lifetime.*

6. Stops you getting fat. After a week of being a student, your diet will most likely sound something like this… Pot Noodle, Chocolate, Crisps, Alcohol, Kebab, Pizza, Alcohol… you get the drift. Therefore it is important to burn some of the excess calories off with exercise. Exercise at University will help keep the pounds at bay and prevent you from becoming a Jabba the Hutt impersonator. Though obviously if you’ve also joined the Star Wars Appreciation Society, something will have to give.

7. Reduces Stress. Although, to many, University students give the impression that they are laid back, party-crazy, tax-dodgers, the truth be told, attaining a degree can be very stressful. Stress can be caused by money (the lack of it), assignment deadlines (the one tomorrow morning) and exams (the one tomorrow afternoon). Taking time out to forget about all of this is imperative for your sanity and overall happiness. Exercise stimulates the brain to release feel good endorphins, leaving you happy all day long. You also won’t fee as bad about eating Onion Rings every night.

*We do not condone borrowing traffic cones. It’s one of the main reasons roadworks are never completed on time.

Author Bio: Chris is a recent University Marketing graduate and keen sportsman (armchair sports fan). He is currently writing on behalf of expressgarmentprinting.co.uk.
October 27, 2012
Guest Post: 7 Reasons To Call Home Regularly While Travelling

Those wishing to avoid excessive roaming charges while exploring the far flung corners of the globe may assume that relying on emails and instant messaging services offer the best way to stay in touch with those left behind. There are, however, many cheap ways to call home while travelling, and plenty of reasons to do so – here are just seven of them.

1. To check on your housesitters. So you’re off on a year’s trip around the world and you’ve rented the house out to that lovely old Mrs Bates. Admittedly her son Norman was a little creepy, but everything will be alright, won’t it? There are simply some occasions when an email just can’t give you the reassurances you need, and a human voice can.

2. To gloat. You may have posted your photos on Facebook and kept your travel blog full of daring escapades and tantalising travel titbits, but nothing can make you enjoy your holidays more than hearing those miserable voices from back home still moaning about the weather, congestion on the road to work and humdrum details of their daily life. Make that call to really feel great about your break.

3. To borrow money. After kicking off your travels with a week in Monte Carlo, your carefully made travel budget plans may suddenly be looking about as secure as the Greek economy. When the chips are down, a pleading email for money just won’t give you the emotional edge that you require to secure that couple of thousand needed to carry out your itinerary. Make sure you’re ready to sound really desperate as your fingers dial home.

4. To secure favours. It’s lovely to get a phone call from a friend or relative who has been out of the country for a while and you can make that warm glow work to your advantage. Once you’ve made sure they’re feeling special and loved (“I just wanted to hear your voice to make me feel like I was home…”) you can get them working for you to finish off all those bits you didn’t get around to before dropping everything and taking off on your trip of a lifetime.

Garden watered – check. Mail opened and answered – check. Taxing your motorbike (“It’s just impossible from this godforsaken place”) – check. With just one or two phone calls it can be a done deal.

5. To apologise for the lack of birthday presents. That special anniversary or birthday really shouldn’t be missed just because you’re away. If there’s an internet connection, there is always Amazon and they’ll even gift wrap it for you. It just is so easy to forget dates back home when you’re far away from it but, don’t worry, a phone call can put things right. There is, however, one date that you forget at your peril. You don’t need to send a present but this could truly be your last trip anywhere, ever, if you don’t call home on Mother’s Day.

6. To speak to work. Sometimes we just need to extend our travels. After all, the flights have all been paid for and we’re already in Asia, so an extra couple of weeks won’t cost the earth ─ if only it can be squared with the boss. This one is best handled by a call rather than an email. And, if you need that job when you return get your reasons, excuses and sob stories straight before you’re connected.

7. Because it’s just so darn cheap! Calling home from abroad simply doesn’t have to be expensive. With internet calls offered by VoIP (Voice over Internet Protocol) services you can actually call home from most places in the world for free.

Skype allows you to make phone or video calls but with services like those offered by Vonage.co.uk you don’t even need a computer to make an internet call. Find out how to set up a new phone number that you can use from any phone near a broadband supply and you could be calling home from anywhere for the price of a local call. Now you have no excuses!

October 8, 2012
Guest Post: 7 Reasons To Pack It All In And Travel The World

It’s a lovely idea, isn’t it? Far-off places, beautiful beaches, different cultures. Freedom from the daily grind. Until, that is, all the reasons why you shouldn’t pack it all in and travel the world race into your mind to stamp on your embryonic daydream. If you’re not so terrified that you’ve stopped reading altogether, here’s 7 reasons to resuscitate your dream.

1. Britain’s too expensive… I live in Germany and every time I meet someone who has visited Britain, I hear the same complaint: it’s soooo expensive! Imagine living there, I tell them. The cost of living is going up, while pay is being cut or frozen. It’s a simple equation: Brits work more and pay more and in the end we receive less. Think about that.

2. Britain’s too, well, outraged… The endless stream of talent contests we’ve been subjected to over the last few years might have been a warm-up for the big bonanza, The London Olympics, but all this has been a brief interval in the favoured pastime of the British: moral outrage! If there were Olympic medals available for complaining, who would win all three? Yep, Team GB. Speaking as someone who has left the Iles of Wonder, I’ve found that other cultures deal with problems in different ways, but they all have one thing in common: a lot less complaining. It’s a relief to not feel so obliged to complain.

3. Who are The Jones’ anyway? We’re in a desperate race that begins the day we are born. First it was the right nappies, then it was the right lunchbox, then it was the right clothes. Before you know it, it’s the right phone, then the right car, the right mortgage for the right house in the right area, the right holiday destinations, the right schools for the kids, the right universities that we can’t really afford, the right pension policy (or to call it what it really is: the right amount to fund the endless gambling of those schmucks in The City), and before you know it, your final concern; the right sending off, which you won’t enjoy because you’re well on your way to becoming carbon, or catching the train to the afterlife – whatever you believe.

4. You might not be able to stay… More and more of us are facing the stark reality that jobs are scarce. It’s tough times in Britain and while you have worked hard for the moderate, yet comfortable life you lead, if you lose your job, getting another one in Blighty will be difficult. It’s in moments like these that the totally insane question of “What would I do if..?” can bring you life changing answers.

5. You can afford it, even if you think you can’t… Most of us think a round-the-world trip as a £10,000, or £20,000 adventure. It doesn’t have to be. Some people choose to save up enough to get them through the first couple of destinations. Once they arrive somewhere they like, they find work and build-up a pot of money to get them to the next couple of destinations and so on. Some choose freelance work, or teaching, while others choose to participate as healthy volunteers in paid clinical trials for organisations such as volunteers.gsk. The point is if the idea sounds better than the next series of Britain’s Got Talent, what are you waiting for?

6. A different perspective… Different cultures bring with them different perspectives, like how to cross the road in the opposite way (try it. It’s more thrilling than a shark dive!)

There are different etiquettes, like “We don’t pass the salt here; you’ll have to reach for it yourself.”

And finally, the stark and slightly terrifying realisation that the rest of the world is perfectly comfortable having sex without the aid of several glasses of wine/beer/vodka/gin/tequila/sambuca/a sickening mix of all six (delete as appropriate).

Immersion in other languages and perspectives will force you to grow in directions you never thought possible.

7. There’s more to life… There’s more to life than the daily commutes, sales targets, deadlines, council tax, plumbers who don’t turn up to fix your busted boiler, singing contests and your favourite latte from the cafe near the train station. There are even places on this planet where the sun actually shines, where people sit in the shade enjoying an unhurried cup of something pleasant, where the road is open and those who walk it will find out who they really are.

August 12, 2012
Guest Post: 7 Reasons Why We Love To Celebrate

There are celebrations for almost everything these days – celebrations for the birth of Christ, celebrations for the death of Christ, for the resurrection of Christ, for the Holy Commemoration of the First Tooth lost by Christ. All the partying can leave you worn out, but the strange things is that we always want more; celebrating never seems to get old. So why do we love to celebrate so much?

1. So what? I’m celebrating! We love celebrations because they are a great excuse for doing things in excess. Celebrations are a time to lose yourself in over indulgence. Over the Christmas period, we celebrate so much that we actually expect to put weight on through sheer greed. But so what if you’re on your third bottle of wine or you fifth cheese cake? You’re celebrating, and that’s sound reasoning that no one can argue with.

2. Sorry boss, I was celebrating. If you’ve had a big celebration the next day can be a bit of an effort, especially if you have to go into work. However, it would take a truly stone hearted boss not to be understanding if you were to phone up and explain that the reason you can’t make it in to work today is because you got absolutely smashed at a wicked celebration last night and you are really hungover and probably still quite hammered now. You’ll probably even be able to claim it under sick leave.

3. Yeah come on over, we’re having a celebration! You might not see your friends and family much over the course year, but when a celebration comes around it’s always a great excuse to get everyone together. Even the people who no one likes get invited, like old auntie Susan who sucks the chocolate off chocolate covered peanuts and then puts them back in the bowl, because it just wouldn’t be a proper celebration without her sickening antics.

4. Because the government tell us to. In reality, celebrating is not something that we’re born to enjoy, it’s not a hard wired trait, but we grow to like it through covert conditioning by the government. The government shove celebrations down our throats until we celebrate so much that we celebrate when there isn’t even anything to celebrate, like with the Diamond Jubilee. They do it because they see it as an easy way to boost the economy through the sale of party hats and meringue.

5. I love you, man! When you’re high on celebrating, certain things become acceptable, including telling complete strangers how much you appreciate them. In the midst of a celebration, handing out personalised birthday cards with the words “I love you” to people you don’t even know when it is even their birthday doesn’t seem weird. It only becomes creepy the day after.

6. For purveyors of bad music. One of the major reasons for the continued success of celebrations is that it keeps the age old industry of bad music churning on. Where would the performers of The Time Warp, Oops Upside Your Head and Fast Food Song be without the millions of royalties they get from their songs being played at celebrations? In a retirement home, picking bits of food out of their beards is where.

7. To liven up funerals. Funerals can be quite solemn and formal events, some may even argue dull, especially if you weren’t particularly well acquainted with the departed. However, the thing that makes them worthwhile, and the reason that most people go to them, is the brilliant laugh that you can have at the celebration that follows. The finger buffet is always well stocked, and, in general, it’s a free bar.

July 21, 2012
Guest Post: 7 Reasons You Need To Survey Your Employees

If you own your own business, or you manage a team of people, your days are probably filled with meetings, mountains of paperwork and trying to keep on top of your email inbox. However, if you’re responsible for a team of employees, you have a responsibility to be a good manager. You not only need to demonstrate strong leadership skills, you need to be able to track their progress, set goals and help them develop.

But how can you do that when you’re completely snowed under? Well believe it or not and employee survey is a perfect way of measuring your employees’ happiness and how they view you as their manager.

Not convinced? Well here are seven reasons why you need to regularly survey your employees.

1. You Measure Morale. By surveying your employees the first benefit you get is that you will be measuring their morale. If you have unhappy workers, you have an unproductive workforce – plain and simple. If you can measure their morale and identify the reasons why John from accounts is feeling down, you can put measures in place to improve his morale and boost his productivity.

2. You Measure Passion. On top of measuring morale, an employee survey will measure passion. Every business wants a passionate workforce which cares about its goals and objectives – whether it’s a private company out to make money or a local government organisation providing housing. If you don’t have a workforce committed to your goals you don’t have much to go on.

3. You Measure Sentiment. Employee surveys, if conducted anonymously can reveal a great deal about how your workforce feels about your business itself. Do they think you’re heading in the right direction? Do they feel your goals are realistic? Do they think they are working for a business which cares for them? By asking questions like this you could unearth some hard truths which may be hard to take at first but will be beneficial for you in the long-run

4. You Can Make More Money. This might be fourth on this list, but it’s certainly no less important. Employee surveys can actually help you to make you more money. Why? Because if your employees feel that they are listened to, that their opinions are respected, that you are a manager who cares about them and that they are working for a caring company they will be more motivated to turn up to work and perform. If you’re all about the bottom line it’s proven that more passion = more sales = more turnover.

5. You Can Save Money. Even if you’re not in the business to make money, all employee surveys can help you to save money. How? Well if your employees are asked about their welfare, their aims and their goals and monitored on their performance, they will be more likely to stay at your organisation. If someone feels like they have room to progress through promotion and identified development opportunities they won’t be hunting job websites to look for the first chance to escape. This will save you on recruiting costs and the costs through time of reading CVs and conducting interviews. When it’s put like that you can save quite a bit of money!

6. You Measure Performance. After all the interpersonal and business benefits of employee surveys, another key reason is that you can measure an employee’s performance. Anonymous employee surveys, such as 360 feedback, are a way for organisations to find out how colleagues perceive their workmates without fear of being identified. This gives an accurate reflection of your workforce’s performance, and lets you set individual goals to work on. This will not only help you track their progress it can help identify certain weak areas or parts of their jobs they need to work on

7. You Find Out About Your Management Quality! A final benefit of employee surveys is that, as a manager, you can find out about you. Think about it, if you were to ask your team for what they honestly thought about your management style do you think they’d give you an honest answer to your face? By using 360 feedback you can find out precisely what your team thinks about your leadership and management style. You may not like the results, but if it identifies some areas for you to improve on you’ll benefit your business no end.

Author Bio: ETS plc provides 360 degree feedback surveys for businesses. For more information about how 360 feedback can help your business, please see the website.

May 6, 2012
Guest Post: 7 Reasons You Need To Volunteer Abroad

If you are coming to the end of your studies, most of you will soon be busy checking job websites, scanning the local papers and trying to find that perfect first position. However, given the tough economic climate, more and more young people are finding it tough to get a job at all – let alone find the perfect one.

With that in mind, here’s seven reasons why we think now’s the right time to volunteer abroad.

1. You Develop As A Person. By far and away the biggest benefit to you by volunteering abroad is that you yourself will develop as a person. You will meet people from across the world you’re unlikely to have met if you’d stayed at home. You’ll develop skills and nurture friendships that will last a lifetime, and once you return you will have stories to tell. Whatever it is you do, you will develop into a more well-rounded person.

2. You See The World. By volunteering abroad you can choose the country which you’ve always dreamed of visiting. You could go to Africa and work in an orphanage, visit India and deliver life-saving medication to slum dwellers or work on a conservation project saving turtles in South America. Whatever you do or wherever you go, seeing majestic mountains or crystal clear seas is by far and away more appealing than a rainy Redditch.

3. You Change Lives. One of the major benefits of volunteering abroad is to change lives. By volunteering abroad the time and effort you give on your project will make a difference to peoples’ lives. For example, if you help dig a well for a water pipe, it could keep a village stocked with clean drinking water for years. Even if your volunteering work is just looking after children, the time you spend volunteering will help – it all adds up.

4. You View A Culture From The Inside. By spending time in a country different from the one you grew up in, you will be given a unique learning experience by interacting with a new culture. You may learn a new language, try new foods, have to dress differently. Wherever it is you go you will view a culture from the inside – helping to challenge proposed “norms” and making you a more well-rounded person.

5. You Meet New People. You will not be alone when you volunteer abroad. For years you have probably surrounded yourself with the same friends and same family members, without branching out and meeting new people. What could be better than jetting off abroad and interacting with people from all four corners of the world? People who work abroad make friends for life – and, with the advent of Facebook, keeping in touch with them and reminiscing about the time you spent together is easier than ever.

6. You Can Influence Your Future Career. You might have spent years studying accountancy. You may know everything there is to know about English Literature. But two weeks spent abroad helping orphans afflicted by AIDS can put it all into perspective. You may come back and decide you don’t want to photocopy spreadsheets or write email marketing newsletters for a company which sells lawnmowers. Volunteering abroad really can influence your future career.

7. You Boost Your CV. But finally, the biggest benefit for volunteering abroad is that it will boost your CV. Jobs nowadays are few and far between. Spend a few weeks abroad making a difference to people’s lives, meeting new people, trying new things and having new experiences and you will have something to put on your CV which stands out. You will not only stand out from the competition when you go for an interview, you’ll be showing prospective employers you’re motivated, you’ve got guts and interpersonal skills far and above your peers.

Author Bio: Original Volunteers is a provider of voluntary work opportunities across the world. For information on how you can work abroad please visit the website.

May 3, 2012
Guest Post: 7 Reasons You Need A Personal Budget

So, what is a budget anyway and why do I need one? A budget isn’t just a piece of paper carried in that big red sandwich box that worried looking bloke waves about every March outside 11 Downing Street. The Budget is the Government’s best estimate of what they will receive in income for the year ahead – taxation, revenue, sale of signed photos etc – and what they intend spending it on – NHS, wars, salaries, new dart board for Dave’s office etc. In the same way, a personal budget will have a forecast of your year’s income and how you intend to spend or save it; this can very easily be done with accounting software now readily available on-line. Like the Government, you can include borrowings in your budget, but unlike them you can’t decide to “print” money to ease your financial troubles – well not legally anyway! Here are 7 reasons for making a personal budget.

1. Paying The Rent. Unless you still live with Mum and Dad, housing costs – whether rented or purchased with a mortgage – will probably be your largest regular expense. Unless, that is, you are addicted to chocolate in which case see below. It is a good idea to start with listing your main living expenses including fuel and Council Tax, Sky TV and other essentials so that you can then assess what you have left at your disposal for your other needs or aspirations.

2. Chocolate. If you do have a passion for chocolate or indeed any other luxury for that matter, having a budget will show you the areas of expenditure that you can economise on so that you can indulge your passions ad nausea. This advice is given only on the understanding that you are responsible for your own health and that the author cannot be held liable for any complications arising from excessive consumption.

3. Holidays. Home or Hawaii? A few people enjoy holidays at home, but if your ambition is to spend six months in California then your budget can help you reserve the cash to achieve it. If you know in advance how much you can spend on tickets and trips you can often pick up a bargain by advanced booking; or you could be in a position to make a spontaneous purchase when you spot a good deal and be confident that you will have the funds to cover it already in your holiday savings pot.

4. Food. In the intervals between clubbing and sleeping, most people eat food. This may be dispensed with but that is not a recommended plan for enjoying a longer life. If you are already aware of what you spend on food regularly it is easy to budget. If you are not aware, then you can take a stab at it and adjust the budget after a while to reflect how much you wish to spend and then shop accordingly.

5. Work. Unless you are lucky enough to be able to work from home, then you need to budget for travel to and from work, whether for bus or train fares or the cost of running your own car or bike. You may need to reserve funds for buying tools or clothes. Unless you are expert at charity-shop scavenging you could need to spend a bit on looking smart in the office. Especially true for the office-party when you need to impress someone you want to share your pencil with; or even your boss for that matter.

6. Christmas Is Coming! For many people Christmas is the time for giving and having a good time; and the rest of the year the time for remorse – especially after the afore mentioned office-party – and for scratching around trying to pay for it! You can set yourself a budget for presents and entertaining and, as long as you stick to that, the only headache you will have in the New Year will be a hangover and not a financial one. No longer will you have to wrap up a box of tissues for Granny’s gift, trying to convince yourself in doing so that it is the thought that counts and that she will forgive you for your spendthrift ways once again.

7. Play. You will need to know in advance whether you can afford that season ticket for your favourite team or will instead have to resort to standing on the touchline at the Rec. to get your sports fix. Perhaps you might want to start a new hobby or activity and to plan ahead for equipment purchases or memberships. Your budget will help you make those decisions wisely

You don’t have to keep your budget in a big red sandwich box, but it will be useful to have it to hand to see how well you are managing your finances and how much you will have left at the end of the year for shoes or chocolate. Accounting software will provide you with an easily accessible reference and a method of budgeting to enable you, and not your bank, to have control of your finances!

April 16, 2012
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.

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.

March 28, 2012
Guest Post: 7 Reasons You Forgot To Pick The Children Up From School

It sounds terrible, but I would be willing to bet that there isn’t a single person reading this who hasn’t picked their children up from school late at least once – talking to some of the parents I know, here are some of the reasons they gave me for ‘running late’…

1. You Were Playing Farmville. In fact all of those highly-addictive Facebook games should come with health warnings, “May cause you to lose large chunks of your day.”. Or, at the very least, they should come with in-game reminders like, “Step away from the computer and pick up your offspring – you can always beat Claire’s Bejewelled score later.”.

2. You Were Trying On That Dress Again. Hands up who has ever dropped the children at school in the morning, popped to the high street and still found yourself looking for that perfect cocktail dress ay 3pm? I’ve often found myself battling the shopping devil inside that is telling you to go and try the dress on again for the twelfth time. The children can probably walk home. They need to grow up sometime, right?! 🙂

3. You Were Gossiping. As the old saying goes; “time flies when you’re speculating with your best friend about her cougar of a neighbour’s latest toyboy”.

4. You Were Playing Bingo. Whether you popped in for an early session with the other mums or got engrossed in some of the cute bingo games online.

5. You Had To Stay And Laugh At Your Boss’ Jokes. Ah, the dreaded afternoon meeting where your boss’ showboating drags on a little too long. You’re checking your watch, but he is telling the most drawn out joke in the world. And he keeps getting it wrong. But hey, you’re trying to climb the ladder so you put on a brave face and attempt to chuckle in the right places whilst thinking about what you’ve got for dinner.

6. Those Pesky Soap Operas Were Just A Little Too Gripping. As you sit enjoying the last peaceful cup of tea for the day, wondering if that woman will make it out alive, who’s the daddy of that baby or if she really did bury her husband under the shed – don’t forget that it isn’t real. The children are waiting in the playground so you’d better get a wiggle on…

7. Some Legitimate Reason. There really are quite a few legitimate reasons for running late. The previous six probably aren’t going to cut it – I doubt your child’s teacher will take kindly to you telling them you wanted to finish your game of Pathwords. Running late and temporarily forgetting to pick up your kids doesn’t make you a bad parent – we’re all busy and we’re all human.

January 17, 2012