Tag: Savings

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

Have you Found all of Your Dormant Accounts?

How to Stop Impulse Buying – 10 Ways

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

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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?

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

Make Money By Being Part of a Focus Group

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?

Can you live off a Cash Budget for a Week?

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

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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

Make Money By Being Part of a Focus Group

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

Save Hundreds on Rent Per Month By Becoming a Property Guardian

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

Image credit: https://www.propertyguardians.com/

Please make sure you are sitting down as you start to read this post. It is possible to save hundreds of pounds per month on rent in central London and some other cities across the UK. You can live in prime locations for just a few hundred pounds a month as a Property Guardian. Across the UK and dare I say it, the world, accommodation is the largest monthly expense for adults. This is an opportunity for those who are flexible to significantly reduce their monthly accommodation expenditure.

What is a Property Guardian?

There are property owners in London and other cities, who have to leave their properties empty for a period of time. Perhaps, they have to work abroad for work or have taken a sabbatical to travel the world. There are also commercial property owners. Whatever the reason this group of people would now need to employ a security firm to oversee the property in their absence and ensure that it is well maintained and free from vandalism and squatters. This is where Property Guardians fit in. Property Guardians are essentially live in caretakers who look after the property in return for a heavily reduced monthly rent.

How Does it Work?

People who are interested in becoming Property Guardian should contact one of the entrepreneurial companies that have been set up in this space. There are over 30 now, some are national whereas others are have a London focus, click here to visit the website of Global Guardians, or here to visit dotdotdotproperty.com . The second company is a Social Enterprise and takes a different approach to the for profit companies.

It Seems Too Good to be True

Well, funny that you should think that, there is a potential downside too. What you are looking for is a clean, convenient space with basic amenities that enables you to look after a property in return for a heavily reduced rent. There are two clear benefits for the property owner, first of all they get a live in caretaker. Secondly, when commercial properties are converted into residential dwellings they can save thousands in business rates reductions.

Unfortunately not all property Guardians have not had positive experiences, there have been instances where some Property Guardian companies have increased rents for Guardians and failed to maintain basic amenities including showers and kitchens.

My recommendation is that you do your own research; if you are flexible and can find a reputable company and good location – go for it! It could be a great way to live more frugally and help you to save money for travelling or some other major expense. I would not recommend Property Guardianship for families.

Have you ever been a Property Guardian? What was it like? Let me know in the comments section below.

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

What to do with a Financial Windfall

Why you Should Track Your Net Worth

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:

What to do with a Financial Windfall

Why you Should Track Your Net Worth

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

Why you Should Track Your Net Worth

What to do With a Financial Windfall

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

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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

* ‘Time is more value than money. You can get more money, but you cannot get more time.’ – Jim Rohn

Why you Should Track Your Net Worth

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

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I hope those you who did not already have a monthly household budget, have now had chance to create one. If not, this post will help you, How to Create a Budget That you can Stick to. One stage on from creating a monthly budget is to create another simple spreadsheet that records your total net worth.

Calculating Your Net Worth

Net Worth can be defined as the sum of all of your assets minus your liabilities. For many of you, the thought of creating a spreadsheet with all your assets and liabilities recorded in one place might fill you with dread. If you have large student loans or credit card debts, recording your total amount of liabilities and assets might be a painful process. However, this is a necessary step to track your net worth.

Your personal net worth looks at the bigger picture, it’s not just your monthly income and outgoings. You also get the opportunity to track all of your assets as well as your liabilities. Assets include properties, savings, investment accounts, stocks and shares and businesses owned where applicable; liabilities include, mortgages, student loans, credit card debts and loans.

For the sake of simplicity it is acceptable to leave out all regular monthly expenses that are paid out of your monthly salary or wage. When thinking about net worth I always remember a quote attributed to the mathematician, Karl Pearson.

“That which is measured improves. That which is measured and reported improves exponentially.”

Karl Pearson

Improvements to Your Net Worth

This is exactly why we are doing this! Your net worth will improve. When you complete your first total net worth tracker spreadsheet, it will take some time. By the way, feel free to think of a more exciting title than Total Net Worth Tracker Spreadsheet. 🙂

When you come to update it after a month, unless you have suffered some financial calamity, your total net worth will have increased. For example, if you have made payments to student loans and or credit cards, their totals will come down slightly and your net worth will have gone up. If you are like me, you will find this incredibly motivating! As an aside, do not compare yourself to others, just track your own progress. In time, deficits will turn into surpluses. Money that was originally to pay debts can be diverted into savings accounts when those debts have been paid. Tracking your net worth is an excellent habit and will help you to transform your finances.

What Should you do Now?

Create your total net worth spreadsheet and update it each month. Here’s a downloadable spreadsheet that you can use.

Are you already tracking your net worth ? If so, what has been the improvement in the last 12 months? 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

Have you Saved Enough into Your Pension?

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

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Have you saved enough into your pension? For a large proportion of the United Kingdom population the answer is no. Most people are not saving enough for their retirement. Does your vision of retirement include freedom to travel and time to enjoy a comfortable standard of living? If we all to have the retirement that we aspire to one day, we will need to make sure that we are on track to achieve it. It is time to get serious and work out how much that will cost.

Pensions: Why Many People Are Failing

There are a lot of assumptions built into pension calculations, assumptions that are not true for many people. For example, the assumption that you will work 40 years of continuous employment with your salary continually increasing by X% and you maintaining your pension contributions at 12% of your salary for 40 years. Some of the realities of life such as redundancies, women taking time out to raise a family, individuals starting businesses, part time work, time out for studying and credit credit or student loan debts don’t exist in this Continuous Pension Saving Utopia.

I think when people realise that they are not on track to hit their pension goal, they give up and hope someone other than themselves will solve the problem. Let me be more specific, if you would like to live on a retired income of £25,000 you will need to have a pension pot of £500,000. That is assuming that you use your pension pot to purchase an annuity giving you the annual income of £25,000. Try this pension calculator to work out how much you would need at other income levels. As you can appreciate, £500,000 is a large amount especially when it’s considered that the average pension pot in the UK is around £50,000.

What Should you do Now?

Pension Pot

Work out the total pension pot you currently have, if you have had several jobs during your career you may need to do a little detective work to track down all of your workplace pensions. This article will help you find your pensions.

Up Your Contributions

Re-evaluate your household budget, can you afford to increase your contributions? If you are in a workplace pension then you should maximise the contributions that you make because these will be matched by your employer. If you are self employed, you should also increase your contributions.

Develop a Plan B

It may be that increasing your pension contributions alone will not be enough for you create a big enough pension pot for retirement. If that is the case, you should develop a Plan B.

Property is a great way to supplement your pension savings, you could downsize your main residence and use the profit for your retirement. Alternatively, you could rent out a spare room and earn extra income that way. There are other ways too, they include equity release and property investing. You can read more about these ways via this link.

If you own a business, this could become your Plan B. Depending on the nature of your business, you may be able to sell it and contribute money to your pension savings after the sale.

Don’t Lose Heart

The fact that you are reading an article like this is a positive in itself. You still have time to improve your level of preparedness for retirement and there are a number of ways you can do so.

Are you on track with your pension savings? If not, what are you going to do about it? 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

Are you and Your Partner Financially Compatible?

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If you are going to be successful and achieve your financial goals you will need to face up to obstacles head on rather than wait and hope that they disappear of their own accord; usually, they do not disappear of their own accord. Are you financially compatible with your partner?

First of all, a quick definition, when I use the use the term financially compatible, I mean to share the same financial goals, vision and habits. Are you both saving regularly and maximising investment returns? Is your discretionary expenditure linked to value for money? I do not mean that you need to be earning the same salary. It is great if you are but it is not essential for financial compatibility. The key word in this context is together, ideally you need to be able to plan your financial future together and work towards it. This could mean saving to buy a home, a goal of becoming debt free or financial freedom (retirement) at an early age.

Financial literacy is not a skill-set everyone has, some are willing to learn whereas others are more interested in living for the moment instead of having a financial plan. Not everyone approaches personal finance and their financial responsibilities in the same way.

Are You Financially Compatible?

Disagreements over money remains one of most common causes of divorce. If one person is a disciplined, lifelong saver and the other is frivolous with money, there will be friction between the two. In my opinion, if these differences are entrenched there is no chance of achieving your financial goals together. It does not seem very romantic to consider a partner’s financial compatibility when you are just getting to know them but if you don’t, you could be storing up problems for yourself later on. Hopefully, if you are in a relationship you have already taken an opportunity to discuss money with your partner.

Depending on your starting point, following a budget for a prolonged period can be hard work. To achieve financial freedom for example, you and your partner will need to work as a team and to be consistent. You need to be in alignment.

Create a Financial Plan Together

If there are only slight differences between you then thankfully, with a calm approach, compromises can be agreed upon.

If that is the case, the following steps will help:

Arrange to have regular money meetings with your partner; during these meetings discuss financial goals and budgeting and agree a way forward.
If one of you is the natural saver, take the lead in these meetings but be careful to avoid being judgemental.
Build in quick wins on your financial journey together, this could be paying off a credit card with a low balance or saving for a planned weekend away.
Allow yourself small celebrations when you hit your financial milestones, be creative with these and do not spend a lot of money on them.

By working together you will dramatically improve your financial health and you will strengthen your relationship. Well done! Your future is looking bright.

Have you sat down with your partner and discussed finances? How did the conversation go? 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

Why Choose a Gold IRA?

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An individual Retirement Account (IRA) is a particular type of savings account that helps people prepare for retirement in the United States. There are tax advantages to saving in an IRA account. In the United Kingdom, the equivalent savings account is called a Personal Pension. A 401K is a company backed retirement plan (Workplace Pension in the UK), whereas IRAs are started by an individual.

IRAs can be subdivided into Roth IRAs and Traditional IRAs. With Roth IRAs, there is no tax deduction for contributions but when your investment earnings are distributed in retirement this is done tax and penalty free. Traditional IRAs by contrast, do offer deductions for contributions but when your funds are distributed at retirement taxes on investment earnings have to be paid.

IRA funds can be invested in individual stocks, bonds and cash. There are also many mutual funds that you could choose from. Either on your own or after receiving advice decide on an asset allocation that you are happy with for your IRA.

What is a Gold IRA?

Gold IRAs were created by the Taxpayer Relief Act of 1997. A Gold IRA account is a way to diversify your retirement investments further. A Gold IRA gives the investor the chance to own physical Gold, Silver, Platinum or Palladium.

To invest in a Gold IRA, you will need to set up a self-directed individual retirement account (SDIRA), this is an IRA in which the investor is in charge of making all the investment decisions.

What are the Benefits of Gold IRAs?

Pros

Investors have created Gold IRAs because they perceive them to be a counterbalance to what is happening with their more traditional investments. If paper based assets such as stocks are trending downwards, Gold tends to move in the opposite direction. Adding a Gold IRA will diversify your retirement investments. Since the financial Crisis of 2008 Gold IRAs have increased in popularity because of this investors’ desire of investors to spread risk with their retirement investments.

You can potentially benefit from increases in the price of Gold, of course this cannot be guaranteed. Between 2000 and 2012 the price of Gold increased for 12 consecutive years. While stocks can literally become worthless, the price of Gold will never be worth zero.

Remember, it is possible and advisable for an individual to have more than one IRA. You could hold one mutual fund IRA and a Gold IRA, for example.

Cons

Setting up a Gold IRA is quite a complicated process. First of all, you need to find an approved custodian (Broker) for the IRA and an approved Depository, where the Gold will be stored. Then you buy the Gold and have it transferred to the Depository.

Historically, some Gold IRA companies have not are not completely transparent about their fees and investors have experienced surprises after they have invested. Before you create a Gold IRA or rollover an existing IRA into a Gold IRA ensure that your custodian has confirmed all costs and fees.

If you are thinking about setting up a Gold IRA, Regal Assets is one company that you should consider. Click here for a free Gold IRA guide.

Do you have a Gold IRA already? How do you think your investment is performing? 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