With interest rates having risen again and prices showing no sign of coming back down, or even slowing up, it is little wonder that so many people are concerned about the rises in costs that we have already seen in 2023. With this in mind, it can be a good idea where possible for people […]
Whilst some people might claim there’s a time when it’s too early to put up the Christmas decorations, it is really never too early to start thinking about next Christmas. With some really careful planning, there are some very good savings available throughout the year that can really help to spread the cost. So if […]
There is no doubt that it’s time for many of us to look at our finances. It certainly pays to budget wisely, and saving some money along the way has to be a good thing. Whether to cope with the rising cost of heating, getting around with transport and fuel costs increasing, or simply paying […]
Financially, there may never truly be a “right time” to start planning a family, but you should not let that put you off. In the run up to maternity leave, and during it, there are plenty of things that you can do so that once your income drops you are able to take the time off […]
We all experience times when we get into debt – or, at least, more debt than we are comfortable with. It could have been an emergency situation like needing to pay for repairs to our home or needing to buy a new car to get us to work. But often enough it can be put down to bad spending habits – it is so easy to be tempted into spending more than we can reasonably afford, especially when we have some spare capacity on a credit card. But then the reality of having to pay off that debt hits hard and what we have to show for it is probably very little in the greater scheme of things.
Budgeting effectively requires steely determination, avoiding the shops and avoiding online shopping, especially late at night when we can make irrational decisions. It means only buying what you really need not all those extras that are not essential.
Learning how to budget the money you made yourself can be difficult, especially if you just started your employment journey and independent living. From night-outs, new clothes, to hi-tech stuff and rent, there’s a lot competing for your hard-earned cash.
Here’re a couple of tips that allowed first timers like you to survive. These are money management tips for when you land your first job.