Category: Financial Planning

Why you Should Drive and Old Car and Pay of Your Mortgage Early

Save Hundreds on Rent Per Month By Becoming a Property Guardian

4 Obstacles you Will Face on Your Financial Journey

My aim with each blog post is to help you move to a better financial future. I believe that there is not enough financial education in the national curriculum and I intend to share anything helpful that I have learned along the way. I am by no means a financial expert. None of the information on this website constitutes financial advice and is provided as general information only. This is my personal finance blog; my marketing blog is over here and I have been blogging there since 2010. I hope you have found this information useful. Thank you for reading.

Best regards,

Mike

Save Money by Switching Energy Supplier Every Year

Does Your Choice of Supermarket Matter?

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Groceries are a necessity for life but it must be remembered that not all supermarkets are created equal in terms of value for money. Convenience is also an important factor when it comes to selecting a supermarket; you are more likely to shop at a supermarket that is easy for you to get to, particularly if you plan on going there on foot. If you are driving you’ll pick a supermarket with a car park over one that requires you to find an available parking meter. This is an entirely natural way of choosing a supermarket and is to be expected. However, if you have financial goals to achieve you should recognise that your choice of supermarket is a huge opportunity to make regular savings and achieve your financial goals more quickly.

Supermarket Choice

Luckily for us we don’t have to guess which is the cheapest supermarket. Food retailer trade magazine, The Grocer regularly conducts secret shopper research to confirm where you should go to buy the cheapest groceries. According to their data, Aldi is the cheapest supermarket. When you click on the link in red text you will see that they have compared supermarkets for a range of everyday items and Aldi has come out on top because the basket of items wash cheapest there.

What Should you do?

If you have an Aldi near where you live, choose Aldi for your grocery shopping from now on. If there is not an Aldi near you, choose Asda because Asda was number two on the list. At the risk of sounding like a grocery shopping geek, when I made this change to my regular choice of supermarket I was saving 30-40% on my regular items when compared to Tesco, for example. I did have to change my routine to make this change, I had to drive slightly further to visit the nearest Aldi but even when I factored the additional petrol cost, Aldi was still a clear winner. The change I made was not a big deal and amounted to an extra five minutes in the car.

In an earlier post on this blog I asked the question, Do you have the Right Money Mindset? Small behavioural changes like driving a bit further to a cheaper supermarket can create more abundance in your life. It is so simple to do and yet most people do not do it. Instead the continue to shop at the most conveniently located supermarket despite the fact that it costs them more. Which type of consumer do you want to be? A frugal one who is intentional about their purchasing decisions or someone who regularly spends more than they need to on groceries?

Have you changed your choice of supermarket to take advantage of lower prices? If so, what has the money that you saved allowed you to do? Please let me know in the comments section below.

If you have enjoyed this post you will also like the following posts:

How to Stop Impulse Buying – 10 Ways

Have you Found all of Your Dormant Accounts?

Can you live off a Cash Budget for a Week?

Why you Should Drive and Old Car and Pay of Your Mortgage Early

Save Hundreds on Rent Per Month By Becoming a Property Guardian

4 Obstacles you Will Face on Your Financial Journey

Best regards,

Mike

Have you Found all of Your Dormant Accounts?

How to Stop Impulse Buying – 10 Ways

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According to research conducted in 2016, 54% of Britons admit to making an impulse purchase every time they go shopping. Impulse buying is a big problem that results in many losing control of their financial affairs and failing to stick to their budget. Consumers impulse buy both in-store and online, with in-store customers being more susceptible to impulse purchases. Retailers have accumulated their own data and design their stores to encourage buying on impulse; the more this happens, the greater the profits for them. What can we do to eradicate impulse purchases from our monthly expenditure? I have listed some very effective ways below.

Impulse Buying

Keep a Budget

Once you have identified your financial goals, the best method to move forward towards achieving your goals is to keep a monthly budget. If you have not already set up a budget, this post will help you, How to Create a Budget That you can Stick To. Budgets make you become more intentional about all of your expenditure and leave little room for impulse buys. Ensure that you look at your budget frequently; be disciplined and you should be able to resist impulse purchases.

Follow a Cash Budget

One step up from a regular monthly budget is a cash budget, following a cash budget will give you further daily reminders of what you intend your cash to be used for. Resist the temptation to take from one of your envelopes to fund an impulse purchase. Stay focused.

Keep a Spending Diary

For a period of a month, write down every purchase you make, there is no need to include bills. Be accurate and include morning coffees and snacks etc. After the month is over analyse your spending to identify any weak areas. Are there regular times when you are more prone to impulse buys? Is it when you are bored? Have you looked around shops during your lunch hour and succumbed to a purchase?

Work out Why you Impulse Buy

What are the circumstances that lead to impulse purchases in your life? Is it when you are feeling a bit low? Or lonely? When you have received some bad news? Or had a particularly tough day at work? Perhaps after you’ve had an argument with your partner? Only you will know the answers to these questions. If you need to talk to someone confidentially about the amount of impulse purchases you are making you can contact The National Debtline or Citizens Advice. Click on the words to be taken to their websites.

Make a List Before you Shop

Make a list of items that you intend to buy before shopping online or in-store. Use retailers websites to get a good understanding of where you can buy the items you need and the best prices for those items. If you can purchase cheaply online, do so. For some items, fruit and vegetables are a good example, it may make sense to visit a store and then make you planned purchases. Having a physical list will help keep you on track and avoid impulse buys .

Introduce a 48 Hour Rule

If you spot something that you would like to buy, but it is not a planned purchase, force yourself to wait 48 hours before purchasing it. This is assuming that you can afford to buy the item and will not have to use money that is already allocated for something else. The self imposed 48 hour ‘cooling off ‘period will allow you time to think about whether you really should make the purchase. Take the time to think about whether you need or only want the purchase. Realistically how much would you use the new item?

Don’t Set up One Click Ordering

Do not set up one click ordering on websites, websites offer this convenience because they know that it will result in more sales for them and increased profits. We have all been in the situation where we are about to leave a website and are then presented with a ‘special offer’ that we can order with one click. This ‘convenience’ can prove very inconvenient when it comes time to reconcile our budget.

Do Not Browse

Do not browse in shopping centres or on retailer websites, only visit if you have something specific to buy. This simple step will cut down the amount of temptation that you face.

Do not Routinely Carry all of Your Credit cards

Carrying all of your credit cards in your wallet or purse every day increases the chance that you will make an impulse buy. This is because the increased access to funds can prove a very strong temptation to many. Leaving them at home in a safe place is much better approach if you are trying to curb impulse purchases.

Convert Your Potential Purchase into Hours of Work

Think about how long it takes to earn enough money to purchase the item, if you earn £30 per hour and you are considering a new pair of shoes for £150 consider whether they are really worth 5 hours of work. How many pairs of shoes have you got already? If your money is limited, also consider the opportunity cost of the shoes. In other words, what will you have to sacrifice in order to be able to buy the shoes.

You don’t have to implement all of these methods to eradicate impulse purchases. Think of this list as a menu and pick those tactics that will be most effective for you.

Monitor your own progress in the weeks ahead. Do you have a problem with impulse buying? Let me know in the comments section below.

If you have enjoyed this post you will also like the following posts:

Can you live off a Cash Budget for a Week?

Why you Should Drive and Old Car and Pay of Your Mortgage Early

Save Hundreds on Rent Per Month By Becoming a Property Guardian

4 Obstacles you Will Face on Your Financial Journey

Best regards,

Mike

Can you live off a Cash Budget for a Week?

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The next stage up from following a monthly budget is living off a cash budget for a week or a month. If you are not already following a monthly budget, please read this post, How to Create a Budget That you can Stick to; that post will help you create your monthly budget. For those of you already following a monthly budget, the cash budget could be for you. Following a cash budget will enable you to make further financial gains.

What is a Cash Budget?

Each month you receive your salary or pay cheque, when you do you should pay all of your bills and account for your needs. There will be money left over that you allocate to discretionary spending; items such as groceries and entertainment will fall into this category. For each of these items of expenditure you are going to withdraw the money from your account and place the money in an envelope. For example, if you have allocated £200 for entertainment during the month, you must place £200 in the entertainment envelope. Once that entertainment envelope is empty, you have run out of money for entertainment until next month. The same applies for all the other sub categories.

The Benefits of a Cash Budget

The beauty of the cash budget system is that you will physically see how much you spend on different items of expenditure. Compare that to contactless payments with plastic cards and no receipts, a scenario that makes it so easy to lose track. When you are living with a cash budget, do not steal from one envelope to make up for a shortfall in another. Your envelopes will become emptier as the month progresses; you might find that you are spending a lot on entertainment, groceries or lunches at work.

If you are disciplined, the cash budget system will make you more intentional about everything you spend your money on. This will mean greater control of your finances, which in turn will mean that you improve your net worth and achieve your financial goals more quickly.

It may be that you need to make more money, if that is the case the ideas contained in this post will help you, 10 Ways to Make Money Now.

What if you Have Money Left Over?

If you have money left over in some sub categories and shortfalls in others, you may need to re-visit your monthly budget and make some changes. If you have money left over and no shortfalls it would be advisable to increase the amount that you are saving.

The ideal scenario is for your first experience with a cash budget to be a positive one and for a new habit to be created. Research has confirmed that paying with cash will make you more conscious of every expenditure. Many people have attributed their success in paying off debts and achieving savings targets to the fact that they have used a cash budget.

Your Challenge

Your challenge, should you choose to accept it, is to live off a cash budget for one week. Split your money into budgets for the different sub categories and then live out of the envelopes on a day to day basis. I would love to hear about any progress that you make. Also, feel free to tell me about anything you found particularly difficult and how the overall process made you feel about your personal finances.

Let me know in the comments section below.

If you have enjoyed this post you will also like the following posts:

Why you Should Drive and Old Car and Pay of Your Mortgage Early

Save Hundreds on Rent Per Month By Becoming a Property Guardian

4 Obstacles you Will Face on Your Financial Journey

Best regards,

Mike

Has the Cryptocurrency Bubble Burst?

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Unless you have been living under a rock for the past ten years, you will have heard of cryptocurrencies. Cryptocurrencies are decentralised digital currencies based on blockchain technology; a cryptocurrency enables value to be transferred from point A to point B without an intermediary; traditionally your bank or a company such as PayPal would act as the intermediary.

The value transfer is validated via a distributed ledger. Blockchain technology, which provides the technological platform for cryptoocurrencies, has the potential to disrupt many industries in addition to the financial services sector. Most people outside of the sector, associate blockchain technology with cryptocurrencies and refer to Bitcoin when thinking about cryptocurrencies.

Cryptocurrencies: Origin and Development

Bitcoin was the first cryptocurrency created. It was created by Satoshi Nakamoto in January 2009, the identity and whereabouts of Satoshi remain one of Bitcoin’s mysteries but what is clear is that Bitcoin has disrupted the financial services industry ever since. Subsequently, many other cryptocurrencies have been introduced with Ethereum being one of the most significant. For more information about how cryptocurrencies work from a technological standpoint, read this article.

A new cryptocurrency is introduced to the market via an Initial Coin Offering (ICO), a fundraising exercise similar to Initial Public Offerings (IPO). These ICOs enable new companies to finance their blockchain technology based projects. The company’s founders and development team behind each project will write a whitepaper to explain their vision and plan. Potential investors research projects, read the respective whitepapers and invest in companies via ICOs. This website show’s the current market price for the hundreds of cryptocurrencies now in existence.

Cryptocurrencies as Investments

The success of ICOs and the emergence of Bitcoin millionaires attracted many individuals motivated purely by financial gain. Bitcoin, once priced at just a few cents in United States currency ( Pre 2012) experienced a rise in price up to $19,783.06 in December of 2017. It’s current price is $6,672.98.

In a lot of cases, ICOs were launched with no intention of delivering on a project, they were money making scams; the people behind them disappeared after the process. In recent years, the vast majority of new coins are worthless. Buying cryptocurrencies is akin to gambling at a casino or at betting on a horse. Extreme price volatility is standard as is the chance that the promising coin you bought with be worthless in 12 months.

Has the Cryptocurrency Bubble Burst?

Cryptocurrencies are here to stay, it is no coincidence that the start of the current bear market coincided with an influx of institutional investors trading bitcoin futures on the Chicago Board Options Exchange and the CME Group exchange from December 2017. Many of these professional investors began ‘shorting’ bitcoin. In layman’s terms, this means they bet on the price of bitcoin going down. Large financial institutions have now investments in bitcoin, it appears that cryptocurrencies are now part of the investment landscape; they are not in a bubble. Bitcoin and other cryptocurrencies have been down before and bounced back. My guess is that this will happen again and like many I hope to be in a position where I can capitalise.

What Should You do?

First of all, do your research and if you are still keen to buy cryptocurrencies, Coinbase is a relatively safe place to start. You can sign up for Coinbase here and because I referred you, when you sign up and buy or sell $100 of bitcoin or more, we’ll both earn $10 of free bitcoin!

Have you bought any cryptocurrencies? What has been your experience? Let me know in the comments section below.

If you have enjoyed this post you will also like the following posts:

Save Hundreds on Rent Per Month By Becoming a Property Guardian

4 Obstacles you Will Face on Your Financial Journey

Best regards,

Mike

4 Obstacles You will Face on Your Financial Journey

This post may contain affiliate links please read our disclosure for more info.

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The path to financial freedom is a route that is potentially open to many and yet few actually take it and liberate themselves. Achieving your financial goals and becoming financially free requires discipline and commitment, you will face many obstacles but with the right mindset and financial habits success will come. I have listed four of of the obstacles that you will face below. Consistency of action and your ability to adapt to changing circumstances will be key if you are to make it.

Obstacles on Your Financial Journey

Level of Income Changes

The days when employees could expect to work continuously for one employer for a period of forty years and then retire are long gone. In many cases, you are now more likely to be made redundant and suffer a period of unemployment during your career. The chances of this happening are higher if you are an ethnic minority or a woman. Self employed workers and freelancers are also more likely to experience fluctuations in their income levels. If this happens, you will experience a change in the level of your income which could jeopardise your financial objectives.

What to do:

You should immediately re-visit your monthly budget and assess the impact to your net worth. It is important that you adapt to your changing circumstances; should you look for a part time job while also looking for a new main job? Can you make cuts to your levels of expenditure? Surely, the entertainment budget can be reduced? These are questions that you will need to ask yourself. Hopefully you have an emergency fund that you can use until you secure another job.

Pressure from Creditors

If you are following the steps I outlined in this post, What’s the Best Strategy For Clearing Debts?, you will have a prioritised list of debts to clear. It should come as no surprise to you that your creditors will have no regard for your list. You may receive phone calls, text messages or letters from creditors who are a low priority on your list. They will want you to make payments to them and will not care what your overall plan is for reducing your debts. These communications from debtors are an obstacle to overcome and can put you under pressure. If you need to talk to someone consider contacting The National Debtline.

What to do:

Stay strong mentally and do not change your priorities in terms of debt reduction because you received a specific phone call. Stick to your plan that will result in you getting out of debt more quickly.

Pressure from Friends

True friends and family members will understand the financial journey that you are on and the steps that you are taking to put yourself in a better place financially. However, there will be many who do not understand or perhaps are not in your inner circle, they may continue to expect you to attend expensive social get togethers or go on holidays with them. This will put you under some social pressure.

What to do:

Do not give in to pressure to keep up with the Joneses at all. If an event or purchase does not fit with your financial plan avoid it. If you must attend a wedding or special occasion, plan and budget specifically for the occasion. Recycle an outfit for the occasion rather than buying a brand new one. If necessary, explain your decisions to your friends.

Changes in the Value of Investments

On your financial journey, you will experience many changes in the value of your investments. Depending on the nature of your investment portfolio, these changes could be quite significant. For example, those who have invested in cryptocurrencies during the last few years will have experienced a level of price volatility that can make even the most confident investor think twice.

What to do:

Keep tabs on your investments and prepare to takes steps to rebalance your portfolio if it is no longer consistent with the level of risk you are comfortable with. Avoid knee jerk reactions to market changes and consider the long term at all times.

Having a financial plan and goals is a wonderful position to be in, having the strength of character and determination to stick to it and adapt when necessary is even better. You will face obstacles but it is possible to overcome them. I write from experience, I have faced each of the obstacles I have described and more. I want you to come out the other side and be able to recognise your achievement and smile.

Have you faced any of the obstacles I have mentioned here? How have you handled them? Let me know in the comments section below.

If you have enjoyed this post you will also like the following posts:

How to get Value for Money When Buying Foreign Currency

Save up to £500 Per Year With a Sim Only Mobile Phone Deal

Best regards,

Mike

Make Money Now with These two Referral Apps

This post may contain affiliate links please read our disclosure for more info.

In this post, I want share with you two great ways of earning money for referring people to businesses. When you recommend a person to a business as a prospective customer you are giving a referral. One of the key challenges for all businesses is attracting new customers; this explains why personal referrals can earn you great rewards. In this scenario, a referral will lead to a positive outcome for all parties concerned; the referrer, the referee and the business. The two referral apps that I have listed below are definitely worth you exploring because the referral reward available is significant. Keep reading if you want to find out more.

Make Money With Referral Apps

Referment

The first app that I would like to discuss is Referment, Referment is an app available for download from the App Store and Google Play Store.

How does Referment Work?

Referment is an app that rewards you for recommending people for jobs that are currently available and listed on the app. In a sense, you are taking the place of a recruitment consultant.

For example, if someone you know is a suitable candidate for the role of Software Development Technical Lead and you refer them via the app, you will receive a small reward if they secure an interview and then £1750 if they get the job and pass their probation. The rewards are listed below the roles available, as you can see in the picture above. Your reward may take a few months to arrive because of the probation period, but the rewards are worth the wait. You can track the progress of your reward within the app.

Image credits: https://referment.com/

Referment is open to anyone and there is no fee to download the app.

Refer Square

Refer Square is another free app available for download in the App Store and Google Play Store. Please note, at the time of writing, Refer Square is only available to businesses. The app gives businesses the opportunity to refer prospective customers to other businesses.

How does Refer Square Work?

If you are working with a client that needs legal advice you could refer them to a company registered on Refer Square. If your client starts working with the company after your referral, you will receive a reward of at least £250.

Image credits: http://refersquare.co.uk/

Both of these apps give you an opportunity to earn extra money without having to do a lot. In the past, I have referred people for roles without a reward so if the opportunity presents itself in the future I will use one or both of these apps. I have downloaded both onto my phone. I hope you get the chance to benefit too.

Have you referred people for jobs before? Will you be downloading these two apps? Let me know in the comments section below.

If you have enjoyed this post you will also like the following posts:

How to get Value for Money When Buying Foreign Currency

Save up to £500 Per Year With a Sim Only Mobile Phone Deal

Best regards,

Mike

Do you Have the Right Money Mindset?

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If you are going to be successful achieving your financial goals it is essential that you have the right money mindset. You may be thinking, what does that even mean? In broad terms, A money mindset is your attitude to money, how do you feel about money? What are your emotional reactions to the subject of money? We are all a product of our environments, if you grew up in a mansion with servants waiting on your every whim, you are likely to have a different money mindset to someone who grew up without wealth or many material items.

Your money mindset is given its ‘default setting’ by your parents. If they struggled with money and always mentioned it in the context of having bills to pay or needing more of it, you are likely to have developed a scarcity mindset around money. You may feel that you never seem to have enough money or that saving for the future is not possible with your current circumstances.

Money Mindset

It’s important that you take time to assess your own beliefs around money. Make a list of any beliefs that you have around money and assess them. The opposite to a scarcity mindset is an abundance mindset. It was Stephen Covey who created the term ‘abundance mindset’ in his book, 7 Habits of Highly Effective People People . People with an abundance mindset believe that there are enough resources (including money) for them and others to share.

Fortunately, money mindsets can be changed, you can transform from a scarcity mindset to an abundance mindset if you work on changing your beliefs around money. This is important because a person with an abundance mindset will be more likely to stick to their financial plans and achieve their goals. Also, they will be less likely to self sabotage.

My objective with this post, is to move you closer to an abundance mindset if you don’t have one already. Following the steps below will help you get there.

Gratitude

Create the habit of expressing gratitude for all that you have, do this on a regular basis. You have a roof over your head and the ability to buy all the food that you need. No doubt you have the love of family and friends and the opportunity to live in a relatively peaceful environment. In many parts of the world, people would love this to be true for them too.

Positive Affirmations

Make a list of positive affirmations that you can recite on a regular basis. The impact of these will be to focus your mind on positivity. You will be able to overcome the obstacles that the day or week may throw at you. For most problems that you face, a positive mental attitude is part of the solution. You must believe in yourself and then act in a way that is consistent with your belief.

Evaluate Wants and Needs

It should be relatively straightforward to evaluate your financial needs and wants. This post will help you, How to Create a Budget That You can Stick To. An abundance mindset does not mean that money will magically appear but that there will be enough for your needs and the needs of others too.

Think Practically About Money Making Opportunities

An abundance mindset should be rooted in the practical, don’t make the mistake of thinking that it is all touchy-feely. Think about practical ways in which you can make more money; perhaps you could sell unwanted items, this post will help you think of ideas, 10 Ways to Make Money Now. If you own a business, you could make more money by finding new ways to attract customers. Hopefully you are now becoming aware of the many opportunities that are open to you.

Personally, I am using this blog to keep me executing best practice with regards to personal finance. We should all become more intentional about our financial decisions and creating an abundance mindset will definitely help us on our journey towards financial freedom. I hope that you will take the journey with me.

One belief that I have had to unlearn was the belief that money has to be earned as a trade off for time. I now know that it if you create massive value for a large number of people you can be rewarded far in excess of anything you could earn as an hourly rate or salary. Good examples of that are authors, musicians or online course instructors. They create abundance for themselves but only complete the work once and then continue to be paid for it. Before they created anything, they had to believe it was possible and to adopt an abundance mindset.

Have you had to consciously change your money mindset because of limiting beliefs? How do you feel about money now? What changes have you experienced? Let me know in the comments section below.

If you have enjoyed this post you will also like the following posts:

How to get Value for Money When Buying Foreign Currency

Save up to £500 Per Year With a Sim Only Mobile Phone Deal

Best regards,

Mike

What to do With a Financial Windfall

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If we are lucky, many of us will be handed a financial windfall during our lifetime; a financial windfall is a relatively large influx of surprise cash. It could be the result of achieving an unexpected bonus at work, particularly if you work in the financial services sector. Alternatively, it could be because you have received an inheritance after the death of a loved one. In addition, you could have won a competition, the lottery or sold a business. Windfalls are potentially life changing for recipients, if you take the right steps you can set up your family and yourself for life. What should you do if you receive a financial windfall?

What to do With a Financial Windfall

Take Your Time

The money should not be burning a hole in your pocket, take some time to review your current financial situation, net worth and future plans before you do anything. You should probably consult with an independent financial adviser and listen to their recommendations. Also, consider the tax implications of your windfall, if there are any. Be discreet about your good fortune, not everyone will have your best interests at heart, some will want to exploit the situation for their own financial gain.

Pay Down Debt

A great first step after reviewing your overall financial situation and net worth is to pay down debt, start with the most expensive debts first. This is likely to be credit card debt. For details of a very effective debt reduction strategy read this post, What’s the Best Strategy for Clearing Debts?

Make Additional Mortgage Payments

As the great Jim Rohn* remarked, it’s not possible to actually buy time; one of the occasions in life when it feels like you can almost buy time is when you pay off your mortgage early. If possible, arrange to make additional payments against your mortgage, in doing so you will save yourself tens of thousands in interest that you will not have to pay. Depending on the size of your windfall, you may be able to pay off your mortgage completely and take a big step towards becoming financially free.

Emergency Fund

If you have not had the opportunity or funds to create an emergency fund, now would be a great time to do so. Put away 3-6 months of monthly expenses that can cover you in the event that unforeseen circumstances prevent you from earning your regular salary.

Add to Savings

Take the opportunity provided by the financial windfall to add to your savings, ensure that you take advantage of the best savings accounts interest rates available to you. This article will help you decide what to do, What are the Different Types of Savings Accounts?

Philanthropy

If your financial windfall allows you to help others financially or support your favourite charities or organisations, please do so; your good fortune can have a much wider impact and make a significant difference to the lives of others.

Have you received a financial windfall? What are you planning to do with it? Let me know in the comments section below. Note, I would suggest that use an email address that does not make your identity obvious.

If you have enjoyed this post you will also like the following posts:

How to get Value for Money When Buying Foreign Currency

Save up to £500 Per Year With a Sim Only Mobile Phone Deal

Best regards,

Mike