• 3 Tips for Guarding Yourself Against Future Chaos


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    It’s just one of those uncomfortable facts of life, that we all face misfortune from time to time. While things may seem great, and carefree, in any given moment, there is always the risk that our cars will break down unexpectedly, will get hit by a bill or expense we forgot about, or that something more serious will happen to throw us off track.

    It can be easy to bury our heads in the sand as a way of coping with the uncertainty, and fear that this kind of chaos inevitably brings. The bottom line, though, is that we do not defend ourselves from any issues, or potential dramas, by ignoring them.

    Life is always going to be a bit unpredictable, and from time to time things will get chaotic, and we will struggle.

    The important thing to remember is that we can always take steps to help protect ourselves from the impact of future chaos and to ensure that we are in a position to react appropriately.

    So, here are some tips for guarding yourself against future chaos.

    Sign up to the right policies and services

    This first point should be quite obvious, although a surprising number of people fail to take it seriously.

    Whatever kind of chaotic events you are trying to guard against in the future, it is highly likely that there is some paid policy, or service, that has been tailor-made specifically to address that potential issue.

    Some of these policies and services will be things you are legally required to have, depending on the country you’re in. Car insurance, for example, is typically mandatory.

    All the same, the level of cover provided by different services will vary, along with their affordability. Using a service such as One Sure Insurance, if you’re a van owner, might go a long way towards protecting you against future troubles.

    Take a somewhat “minimalist” approach to life – limit how many things you rely on

    “Minimalism” has been a hot trend in the last few years. For one reason or another, many of us feel that we just have too much “stuff” that doesn’t add sufficient value to our lives.

    Regardless of how seriously you do or don’t take the decluttering process in your own home though, it’s worth taking a somewhat “minimalist” approach to life, in terms of limiting the number of things you rely on.

    Certain technologies will enrich your life disproportionately – and you should certainly benefit from these. But avoid becoming overly dependent on things that offer only marginal benefit, and that are here today, but might disappear tomorrow.

    Always set aside some money in your budget for a “rainy day”

    One of the number one rules of budgeting, is that you should set aside some money “for a rainy day.”

    The thing is, this is easier said than done. Many people will put aside money into a “general savings” pot, but will fail to specify the conditions under which it’s acceptable to use that money.

    That means that the odds are high that those “savings” will disappear bit by bit, whenever you feel like treating yourself.

    Instead, specify exactly what a “rainy day” looks like, and what it’s acceptable to spend that money on.

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    The Perks Of Building Your Own Home

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    When it comes to many of our dreams as we grow older, a lot of us want to be able to have our dream home to raise our family and enjoy our life in. Most people usually look to buy a home which is already on the market and although you can find some great properties this way, there always seems to be one thing or another which we would have done differently if we had our chance. This is why the idea of building a house is becoming increasingly popular, as people want to be able to be there every step of the way and design the perfect place. Here are just some of the perks you’ll see if you build your own home this year.

    Land can be cheap

    If you look into the prices of houses in your area versus land for sale, there is a massive difference in price. Because land is bare and has nothing on it already it only makes sense for it to be much cheaper, and this can be a handy trick for you when you come to building a home of your own. If you buy a cheap plot of land you can save money right from the start and this will allow you to spend money on the important things like facilities and features later down the line.

    You can buy a flat pack home

    The idea of literally gutting a piece of land, laying a foundation and designing your home from scratch can be a little daunting and unless you have a team of people to help you, you might not want to take the risk. This is ok though, because there are such a thing as flat pack homes which you can design and order, and then simply put together when it arrives on the site. This can make life a lot easier for you if you are looking for a manageable project and can allow you to free up your time to think about interior design.

    You have control

    The main reason why people choose to build their own house rather than settle for what is available is the idea of control. We all have a different idea of what the perfect home should be and it is a rare occurrence to find a place which has everything we want in one place. This is why it is important to make sure that we can be there every step of the process and choose every little piece of brick and mortar ourselves. It will guarantee that the home we end up with is what we wanted all along.

    You choose your own materials

    When it comes to building a house, one of the things which can be fun for you to do is choose your own building materials. There are so many different types of brick, glass and wood available to you and you can choose the perfect ones for your taste. It can be a fun way to see the whole building process step by step and you’ll be able to control every single element of the building.

    You can make an eco paradise

    One of the things which many of us are much more conscious of these days is the environment. Making sure we keep our planet healthy and green is a big thing for us and if you build your own house you can have some control over the energy it uses and how it impacts on the world. You could use recyclable materials to build the home, add solar panels and even a water mill if your plot of land has a stream running through it. There are so many ways you can create the ideal eco home and all of these things can make a big difference.

    It will be everything you want

    Have you ever looked at a house on the market and thought to yourself ‘this would be perfect, if only the kitchen was bigger’? Well, there will always be little elements of other houses which don’t quite come up to standard in your home and when you do see these things you may think you can never have exactly what you want. The beauty of building the house is that you can control every single centimetre of space and light to make it perfect for your taste.

    You’ll feel a huge sense of pride

    Building a house is a huge project and it will be one which is the most expensive you have ever done. But at the end of the day when you can rest in your new house knowing that you built it yourself, the rewards speaks for itself.

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    Steps that will Help you to Improve your Financial Stability

    Financial stability is all about feeling comfortable and confident in your own financial situation. You don’t need to worry about paying any bills because you know that you are going to have the money put to one side. You may have also saved for any future goals that you have as well. Financial stability isn’t really about being rich, it is actually about your mindset a lot of the time.

    Make your Finances Personal

    It’s so important that you make your finances personal to you. You need to focus on your own situation and you also need to make sure that you don’t worry about anyone else. Block out the noise and forget about trying to keep up with other people. It doesn’t matter if you know other people who earn more money than you and it also doesn’t matter whether your car is as good either. All that matters is that you have enough to reach the goals you have set out for yourself.

    Understand the Concept of Investment

    It’s always a good idea for you to invest in stocks and even in CMC Markets as well. That’s not all you should be investing in however. You should also invest in yourself. You need to teach yourself the skills you need to get to where you need to be, and you also need to expand your own mindset. Little things like learning new techniques that will help you to be better at your job can really help you out as well. You may find that you qualify for a new promotion and you may even find that you are able to progress your career as a result.

    Earn Income

    The main way that people earn money is through their job. If you want to achieve financial stability, then the best way for you to start would be for you to get a job that pays you a steady income. It’s so much better if you can find something that you enjoy as this will make things much easier. If this means changing your job then so be it. You might even want to start freelancing as well. This will really help you to get more money and it will also help you to go that extra mile when planning out your financial future.

    Budget

    You have probably heard this before, but it really is super important. Budgets aren’t half as bad as they seem. A budget is just a tool that will help you to control how much money you need to spend. When you are able to keep a budget,you can then work out how much money you are spending, where it is going and what you can do to try and stop that. Of course, it doesn’t take long for you to start mapping out your budget and when you are able to do this properly you will soon see how useful it can be. Of course, if you need some help with your budget then there are plenty of free resources out there that are designed to help.

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    10 Unique Ways To Make Money

    In a world that’s driven by money, there are plenty of ways that us mere mortals can make a little extra cash when needed. Here are ten unique ways to make money right now.

    Sell Your Photos

    Fancy yourself a bit of a photographer? Well, you can now make money from your snaps, with stock sites like Shutterstock and Adobe, who are always looking to buy photos. It doesn’t matter if you’re a professional or not, if they look good and it’s a picture they’ll need, they’ll buy it from you.

    Rent Out Your Home

    Renting out a spare room can be great if you’re after a chunk of regular income each month. As long as you’re happy sharing your space and vet your tenants, this is a great way of making money.

    Sell Your Skills

    Selling your skills is very much easier than it used to be, especially as there are now so many websites that can sell everything from gardening to designing a website. Put some of that spare time to use and make a bit of cash while doing it.

    Deliver Meals

    If you want a bit of exercise, you can always deliver meals to those who order takeouts. As winter draws in, there will probably be a lot more people staying in than eating out. You could do deliveries by car but why not save on gas and get your daily dose of exercise.

    Get Paid To Search And Listen

    You can now be paid to search the web, crazy right? A site called Qmee, which is an extension added onto your browser, will offer you cash rewards on your searches. There’s also a site called slicethepie, where you can listen to unsigned artists and bands and get paid.

    Fill In Surveys

    Online surveys can be a great way to make money, and they can require very little thinking or time on your part. For example, vindale surveys review, you can do in the comfort of your own home while watching tv or maybe do it when traveling to work.

    Become A Secret Shopper

    If you love shopping then becoming a secret shopper won’t even feel like work. Secret shoppers are hired by the business when they want to see how their employees are performing and how functional the business is.

    Teach Classes Online

    If you enjoy teaching and have something to offer, you might want to earn a little money by teaching classes online. With so many people around the world, using the web, you can earn plenty of money.

    Start A Blog

    Blogging can be a great way of earning some money as many companies are now looking to the everyday person to promote their products or services. It’s pretty easy to start a blog, and you can write about anything you want. With enough of a following, you can even take it full-time.

    With so many choices, there’s something to suit everyone, and you’ll be making some extra money in no time. It’s perfect for when those emergencies happen!

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    Advice For Young Adults On Protecting Your Finances

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    Life as a young adult is tough. There are so many new responsibilities with which you have to become acquainted. Most importantly, you have to start thinking about money. Maybe you did a paper round or another part-time job as a teenager, but you probably didn’t have to make big financial decisions. You probably didn’t have to think about mortgage repayments, utility bills, debt, and other costs that most adults face in life. If it’s all new and overwhelming then here’s some advice for young adults on protecting your finances.

    Lower your monthly bills.

    Lowering your monthly bills is the first piece of helpful advice to take on board if you’re a young adult who’s trying to look after their finances. Obviously, cutting back on luxury expenses such as excessive nights out is important, but there’s a lot of money to be saved on your basic living costs if you take a closer look at your monthly bills. Think of ways that you could spend less money on the necessities in life without cutting corners (you don’t have to live on a diet on Pot Noodles). It’s possible. For example, you could save money on your monthly food shop by using coupons and online discount codes. Plenty of supermarkets also offer loyalty cards that give you redeemable points if you scan them at the checkout.

    Now that you’re an adult, you’re probably going to have to use credit to help you afford the bigger expenses in life (e.g. a down deposit on your first house or car). You might want to do some research regarding how to get a lower interest rate on credit cards. That could save you a lot of money on debt repayments. Borrowing money isn’t always a bad idea, as long as you can afford to pay it back in regular installments. Certain costs are unavoidable in life, but there are always ways to lower your monthly bills if you do your research and shop around a little.

    Invest.

    Every young person should invest. The earlier you start, the more wealth you’ll have available when you eventually retire. Obviously, that day is decades away, but you’ll thank yourself for making smart financial decisions when you were younger. You should take a look at the property market; that’s a good starting point for investors who are starting out. There are big returns to be made, whether you buy properties to lease or sell. You could also invest in a stocks and shares Isa if you do enough research to understand the market. This isn’t the kind of investment that can be used as a savings account; it’s the kind of investment that’ll slowly build you up some substantial savings for the future. It could serve as a nice little addition to any existing savings plans you have set up. But the following point will help you with that.

    Start saving for your future.

    As mentioned in the previous point, protecting your finances wisely is about thinking ahead. Obviously, you want to be financially secure in the present, but covering your costs today doesn’t guarantee that’ll you have enough money for tomorrow. You should start putting aside a tiny portion of your income on a regular basis. You don’t want to invest all of your disposable income. Some of it should go towards a savings account that gradually accumulates over time. If you always spend your earnings before you have a chance to save them then set up a standing order to automatically transfer 10% of your monthly income to your savings account on payday. That way, you’ll be able to start saving for your future.

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