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Breaking Into eBay Niches

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With over 160 million active users across the globe, eBay is a brilliant market for sellers to break into. But, with 160 million active buyers comes a lot of sellers too, and eBay has over 25 million of them who, between them, have over 1 billion items for sale.
Although these figures are overwhelming, and you may think it is impossible to break into eBay niche markets, it is still doable with a little (or a lot) of hard work, dedication and effort.
If you are hoping to jump on eBay and make serious cash right away, then you need to understand that this probably isn’t going to happen. If you are willing to put in some effort and be patient, though, then it is possible. You won’t make money unless you have the right product though and are willing to market it properly.
eBay’s most profitable products are sold in niche markets which have little-to-no other competitors. So, how do you break into these?

Start in a lower-demand niche market

Basic economics dictates that the more in-demand a product is, the more sellers there will be competing to sell it.
If you are looking to break into the eBay market and start to turn a profit by selling laptops, for example, then you are going to be competing with millions of other listings. Plus, you are competing with sellers who are able to offer reduced price, so you probably won’t have much luck.
When finding a niche, you want to find something where there is some demand for it, but not so much that you are going to have to drive down prices in-order to be competitive.

Play to your strengths and expertise

If you’ve got a lot of existing knowledge and expertise surrounding the product you are wanting to sell, it will make things a lot easier for you. Although it’s not essential to have a burning passion for what you are selling, it certainly does make you stand out.
If you are operating in a high-niche market, experience and knowledge is much more relevant as you are more likely to come across serious collectors who may want to know advanced things about your product.
Plus, by having market knowledge, you know where to source your product from for the best rates and be able to make a convincing and effective product description.

Focus on what makes you unique

You need to establish a unique selling point which will draw in customers and focus on this in your listings. What do you offer which your competitors don’t?
Try to make your niche as unique as possible, allowing you to specialize and earn as much profit as possible whilst keeping competition minimal.
Getting started on eBay as a professional seller can be quite difficult, but there is a lot of information out there to help you. Why not check out our infographic, which has a lot of useful facts, figures and information to get you going?

Clearabee ProTip: Don’t Put Rubbish Clearance Bags In Wales – They May Fine You!

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Wales has the best UK record on keeping recyclables out of rubbish clearance bags and bins, and thereby, diverting the most rubbish away from landfills. In fact, if Wales was a separate nation, it would rank fourth in the European Union for the best municipal recycling record, after Germany, Austria, and Belgium. This is based on official data published in the EU recycling league tables and reported widely in the media.

With an earnest commitment to sustainable practices, the Welch government has now set a highly ambitious goal: zero rubbish clearance going into landfills by year 2050!

An equally ambitious intermediate goal has been set: a minimum seventy percent recycle rate by year 2025, with thirty percent or less of all rubbish going to landfills. In order to achieve these goals, several Welsh officials are proposing the idea of fining people who put recyclables in their rubbish clearance bags. While the majority of citizens seem okay with this idea, even hail it as a positive, there is a vocal minority who oppose it.

It looks like the controversial idea of fining citizens who put their recyclables in with their rubbish clearance will be tested soon by Rhondda Cynon Taf council. It was revealed by Ann Crimmings, a Rhondda Cynon Taf County Borough Council’s cabinet member for Environment and Leisure, on BBC’s Good Morning Wales programme, that other Welsh councils are watching closely to see how successful this strategy is and how it is received by citizens. If the Rhondda Cynon Taf Council’s new fines are shown to improve the recycling rate, there is little doubt that similar fines will be imposed in other councils and counties in Wales.

In response to the Welsh naysayers, who believe these rubbish clearance goals are too lofty and unobtainable, the majority of Welsh individuals, especially those who are committed to ecojustice, point to Wales’ recent rubbish clearance achievements. In particular, they repeatedly tout that Wales reached its goal of a sixty-four percent municipal recycle rate FOUR years ahead of the scheduled goal. This occurred last August, 2017, and was widely boasted about in the media and elsewhere. It is certainly a feather in Wales’ proverbial cap!

Given the rubbish clearance crisis the whole world faces, most Welsh citizens view the next recycling goals that have been set as noble and achievable.

To this end, they do what they can to pitch in and help Wales meet them. However, others refuse to even comply with their local councils’ mandatory rules on recycling. For example, they continue to mix unsoiled paper recycling, tin cans, empty plastic containers, and other recyclables in with their rubbish clearance. Moreover, these non-compliant individuals simply don’t seem to have any interest in composting or other voluntary and highly successful methods of reducing waste removal streams.

The fines imposed by the Rhondda Cynon Taf County Borough Council will be an interesting social experiment. Ann Crimmings explained in the BBC interview that an “education campaign” would be implemented before the fines are initiated, most likely in June 2018. Council officials, and perhaps charity volunteers, will be talking with Rhondda Cynon Taf residents who do not put out a recycling bin to encourage them to chance their ways and explain to them why it’s so important to recycle. It would help the effort too if neighbours would chat it up with other neighbours.

Kudos Are In Order

– With much credit to the positive attitude and diligence of their residents, Ceredigion County has achieved the honor of having the best municipal recycling rate in Wales, having reached a seventy percent municipal recycle rate in 2017. Congratulations Ceredigion County! You totally rock! Way to go and keep it up!

– Wrexham County and Monmouthshire County are not far behind Ceredigion County, each having reached a sixty-nine municipal recycle rate during 2017, which is also highly commendable. Insert virtual applause here!

Even the lowest ranked Welsh County Deserves Some Praise

– In 2017, Blaenau Gwent County was the lowest performing county in Wales for municipal recycling, coming in at a fifty-seven percent recycle rate. However, it should be pointed out that this county did improve their recycle rate by eight percentage points in just one year, so it too should be given a much deserved pat on the back for their highly improved recycle rate.

– Furthermore, Blaenau Gwent County already has a better municipal recycle rate than many areas in Britain and Scotland. Everything is relative as they say! As the old timers like to say, Britain and Scotland, you need to get with the programme! You’re lagging behind and we know you can do better!

Now, if we can just get a friendly competition going for “best recycle rate in Wales,” achieving that 2050 goal may not seem so difficult.

It’s amazing what the human spirit can do when people dig in and really commit to a goal. While fines may be a good incentive to get non-compliant people to keep their recyclables out of their rubbish clearance bags, friendly competitions, perhaps with a little grant money for pet project thrown in, would work even better!

If you live in Wales, you may be interested to know that Clearabee, the very popular on demand rubbish clearance service, that started eight years ago in Britain, now covers South Wales. You simply give them a call to schedule a clearing. In Cardiff, they offer same day service.  Clearabee offers several advantages over local council rubbish clearance service:

– Clearabee’s recycle rate is about ninety percent, compared to the fifty-eight percent recycle rate last reported in Cardiff.

– Clearabee picks up far more items and they’re more flexible on when to pick up the rubbish.

– Clearabee picks up from almost any location, and even brags about being able to fit into tight spaces where skips can’t go and their willingness to pick up from your garden or anywhere in your home so you don’t have to put the labor in to take it to the street or alley.

– Okay, this one may be hard to believe so check it out yourself. Clearabee often charges less than the local council for many types rubbish clearance jobs. It’s definitely worth a call to check out their services and prices!

55 Handy SEO Facts for Small Business Websites

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55 Handy SEO Facts for Small Business Websites (Plus Free Infographic)

Currently, starting a small business requires you to consider a few preparations that you wouldn’t have needed back in the early 2000s. These preparations are building a website, setting up social media profiles, and understanding what the heck those things are.

Signing up for a social media profile is quite easy – that’s why your uncle and aunts are on Facebook. What you will need to babystep in is building a website, and optimizing it for search engines.

Granted, you can hire professionals like LinkBaits to do those task for you. But knowing what you’re in for would help you avoid unnecessary scams. That’s why Webain, in collaboration with Milkwhale, an infographic studio, wrote this article.

Here are facts about Search Engine Optimization (SEO) that you must know before building a website for your business.

Google Owns 81% of the Search Engine Market

Believe it or not, there are other ways to look things up online aside from Googling it. In fact, there are 14 big search engines that are available worldwide. If we took into account smaller, niche-specific, or geographically specific search engines, there are hundreds of them.

However, Google runs over them all by taking 81% of the market share. This is because Google practically owns the most popular smartphone platform, Android – which naturally is heavily integrated to their search engine.

If you’re using an Android phone, you have to sign up for a Google account at some point, which leads to the next statistics.

Google Receives 57,000 Search Queries per Second

You read that right, not an hour, not a day, a second. When you were done reading that statistic, Google would have received somewhere around 100,000 to 150,000 search queries.

This means that the world’s dependency towards search engine is getting more serious. As a small business owner, you should take advantage of this situation by creating an online presence for your company.

In fact, 9 out of 10 online transaction starts from a search engine result pages like Google. That means your ultimate goal should be getting to the first page result for certain keywords.

Starting a website is a heavy task, and that’s to be expected. But there are a few ways you could speed up the growth of your website:

  • Paid advertising.

You can advertise your website to appear higher in the Google search result pages. Depending on your niche, you can spend anywhere between a few quids up to hundreds of pounds. Keep in mind there could be thousands of other websites that want to rank for the same keyword. In this example search for “pet store in Northampton”, there are 400,000 search results. Advertising results appear on top of the page.

If you’re aiming for local market as target customers, try advertising for more specific keywords such as “pet shop in Northampton” as opposed to just “pet shop” – this nifty trick will save you some money and get more actual customers.

  • Link building.

Link building is the act of getting your website’s name referred by as many domains as possible. There are a couple of ways of doing this, including guest posting which we’ll cover in a minute. You can also make an infographic relevant to your topic and spread them around to your shoulder niches.

For example, if you own a pet shop, you can make infographic under topics such as how to properly groom your dog, best ways to get your cat to bath, or how to feed your parakeets properly. Then, share it with relevant audience such as local dog owners club, vets near you, and other places that you think would benefit from it.

  • Guest posting.

Guest posting is essentially writing for other website’s blog, like what we’re doing with Milkwhale with this article. Guest posting can be a little bit challenging if you’re new in the industry, but it is so far one of the best ways to build your expertise, brand, and website at once (in that specific order).

  • Infographics

Like I mentioned earlier, infographic is a handy piece of content that you can just share in many places. The best thing about infographic is you get to choose how you’re going to make it. You can curate information from various sources, or make your own collection of bite-sized facts. Visual content like infographics and explainer videos are more effective in delivering information.

Learning all kinds of stuff about SEO is a hefty task. That’s why the folks over at Milkwhale have compiled a total of 55 Must-Know SEO Facts for Small Businesses in this infographic for you:

The Highest Personal Injury Compensation Amounts UK vs USA

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The team at LegalExpert.co.uk have explored some of the biggest personal injury payouts in the UK, whilst also comparing it with the biggest payouts received in the US to discover the largest insurance claims in history! It is now widely regarded that the UK has followed suit and joined the “compensation culture” prominent in the US. However this is in fact not the case, the number of compensation claims in the UK has stayed the same since 1989. At Legal Expert, we offer unparalleled personal injury claim advice. As such, we have extensively researched the biggest compensation payouts in history on either side of the Atlantic and see how the UK stacks up against our American cousins.

UK vs USA: Who has the biggest personal injury claims?

As evident in our Infographic the US’s compensation claims are in a completely different league to the UK’s. In terms of the five biggest personal injury claims in history in both countries even the fifth highest payout in the USA is almost five times the size of the largest UK personal injury claim! The highest personal injury claim in the US is a staggering $150 billion, which puts the UK’s highest claim of £28 million to shame. The USA’s highest personal injury payout was awarded to the Middleton family after their child faced life changing injuries after being doused with petrol and set on fire, unfortunately 12 years after the attack he passed away due to injury complications as a result of the assault. Whereas, the largest payout in the UK was made to a young girl under 10 after she was hit at speed from behind when sitting in her stationary parked parents’ car. She now requires 24/7 care and cannot walk independently and has lost the use of her arms.

UK vs USA: Who has the highest medical malpractice compensation claim?

Again the US wipes the floor with the UK for the highest medical malpractice compensation claim – the US’s claimant received $172 million in damages for medical malpractice after suffering from brain damage whilst waiting for an ambulance to arrive and being given the wrong medication sending her into anaphylactic shock. The ambulance that did arrive was ill-equipped as it did not have the necessary life-saving equipment. Whereas the UK’s highest medical malpractice compensation claim only reached £24 million. The claimant was only ten years old when undergoing treatment which entailed injecting glue into her to block off bleeding in blood vessels. Unfortunately, the glue was injected by accident into her brain and she was left brain damaged.

UK vs USA: Who has the largest road accident claim?

It is no surprise that the US has the largest road accident claim in history of $262 million for an automotive product liability claim. There is not much information in the public domain regarding this case, all that is known is the claim involved a US company being held responsible for a deceased child after their family brought an automotive product liability claim against them. The UK’s highest road accident claim is in fact the aforementioned largest personal injury claim in history in the UK which is likely to be due to the young girl’s age and the severity of her injuries.

If you happen to find yourself in an accident which was not your fault Legal Expert are specialists with a no win no fee service designed to help everyone access the legal services they deserve. We believe that no one should be stopped from making a personal injury claim because they can’t afford upfront or ongoing costs.  You can start by taking advantage of a free, no obligation, legal consultation with one of our experts. From there we can provide the help and advice you need.

For more information visit www.legalexpert.co.uk

“West Midlands Electrician” Wins £1 Million EuroMillions Prize

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The latest EuroMillions winners have been announced, and one is an anonymous electrician from the West Midlands who scored an impressive £1 million prize.

Known as “Mr B”, the winner — who understandably wishes to keep her personal identity a secret after the significant win — is based in the West Midlands. He plans to use the prize to repay his mortgage and enjoy a holiday with his family.

Initially reported in the Birmingham Mail, the man’s winnings also included two significantly smaller prizes — a £5.50 prize for matching two main numbers and another small prize for a Lucky Star number.

The win is one of the latest for Birmingham, which has been named the luckiest place in the country for lottery winners. Over the last two decades, more people in Birmingham have won million-pound prizes in lotteries such as EuroMillions than anywhere else in the UK.

As of 2014, more than 110 people with B-postcodes had won seven figure lottery sums — a figure that’s only increased since.

Other lucky lottery areas in the UK include Romford, which is currently ranked as the UK’s luckiest town. The town was recently awarded a ceremonial National Lottery flag due to its higher-than-normal amount of £50,000+ prize winners.

Residents in Romford have won a collective £165 million in prize money via the National Lottery, with 48 millionaire winners. The ratio is the highest in the UK, with approximately one winner in every 951 people, according to BT.

Cleveland, Warrington, Liverpool and Newcastle-upon-Tyne also rank amongst the 10 luckiest places in the UK for lottery participants. In the last two years, Leicester has outperformed other areas to produce an impressive 63 large-sum winners.

Glasgow is also ranked as a top-performing city for lottery winners. In the two years period from 2014 to 2016, 21 players based in the Scottish city won more than £1 million each in the form of lottery prizes.

Historically, other parts of the UK haven’t fared as well when it comes to lottery luck. According to BT, Northern Ireland is the unluckiest area for lottery participants, with the smallest number of millionaires and the smallest amount of £50,000+ winners.

Just 81 people have won million-pound prizes in Northern Ireland, with only 647 people winning £50,000 or more in prize money. Northern Ireland’s “bad luck” isn’t that bad, however, as it has the smallest population of any of the areas counted.

Wales ranks slightly higher, with 1,606 people winning £50,000 and more than 192 millionaire winners. The North East, South West and East of England all rank among the 10 luckiest parts of the UK, with over 7,700 winners of £50,000 or more.

It’s the South East, however, that ranks as the luckiest region in the UK. More than 438 people based in South East England have won prizes of £1 million or more, with another 4,027 people taking home prizes of more than £50,000.

How to Get a Loan If You Have Bad Credit

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A credit score is the trust rating which we are all given based on how confident the financial institutions are when it comes to lending money to us. Your credit score can be poor based on a  number of factors such as not having repaid a loan or credit card in the past, not making payments on time or even having never had credit before. The difficulty with your credit rating is that whilst it is very easy to ruin your credit score, it is not always easy to repair, or at least not with any speed.

In light of this, there are many people out there who have bad credit, and that can affect how they go about getting a loan. Even with bad credit ratings however, there is still some hope and here is how you could get a loan, regardless of your credit score.

Bad Credit Loan

Many lenders, private lenders that is as opposed to banks, understand very well that there are people out there that are responsible, in spite of what their credit score says. What these lenders do is offer bad credit loans, to people in such a situation and it can not only help people to get the money that they want, but a well managed loan of this type can help to improve your credit score. With a quick look online you can find these services offered by lenders all over the world from the best money lender in Singapore to small lenders in Poland, wherever you are, you can get your hands on the cash you are after.

Credit Union

Whilst a credit union is by definition, a money lender, it differs slightly from banks and private lenders in that it is owned by the members, rather than shareholders. These institutions are non-profit which means that they offer lower fees and lower borrowing costs. If you do have bad credit, a credit union can help you with a loan, but it is likely to only be a small amount of money, rather than a big sum. If you just want a bridge loan, this is the place to get it.

Co-Signer

If you have a family member or a very good friend that has a good credit rating, you can ask them if they will co-sign a loan for you. What this means is that whilst you have responsibility for the loan, if you should renege on your agreement with a bank or money lender, they will go after both you, and the person who co-signed the loan. The reason why many banks and lenders like to do this, is that they know that if you don’t pay up, it will damage both your relationship with the bank, and whoever signed the agreement with you.

If you have bad credit, either rightly or wrongly, you can still get your hands on some money should you need it.

Tips for improving bad credit

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Small loans for bad credit will always be available, but that does not mean you should not work on improving your credit score. Working on improving your credit score can be a tedious task and full of responsibility. However, it will be for your good, and we hope you’ll take up the responsibility with a smile on your face.

Here are some easy tips that will help you in improving bad credit over a period.

1. Make payments on time

This is one of the most obvious thoughts that should be on your mind because it is the easiest way in which you can improve your bad credit. A considerable percent of your score is dependent on your credit utilization and payment history. If you are regular with your payments and you make sure that the right amount is paid every time, you’ll be on the right track to improve your credit score.

2. Use your credit card sensibly

With a credit card in our wallets, we of intended to use it for anything and everything that comes to our mind. This is not the right approach, and you need to mend your ways if you want to get rid of bad credit. Using a credit card for necessity is acceptable, but if you are already in a pool of debt and you are using your credit card for luxuries, you are going to regret your decision later on.

3. Don’t be disappointed

Working on your bad credit can be a troublesome task because you have to do everything possible and the results will not show up immediately. It is a long-term process, and you need to be sure that your every attempt is made with the intention of improving the credit report. Staying motivated and this case can be difficult, but if you know that it is the only option you have, it is better to put a smile on your face and keep making attempts to repair your credit from time to time.

4. Pay off your debt at the earliest

If you have any debt on the list, it is advisable to get rid of it as soon as possible. Remember that you’ll be doing yourself a favor by getting out of the debt circle as soon as possible. So, till the time you have not paid off your debt, you should cut down on your luxuries. Paying off your debt will demand a number of sacrifices and if it is possible from your end, consider it seriously because it will help you get peace of mind.

The Types of Companies That Can Be Incorporated in Spain

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Thanks to its reliable legal system and strong economic growth, Spain has emerged as one of the most attractive countries in Europe in which to start a business.

Spain recorded significant economic growth throughout 2017, making it one of the Eurozone’s standouts for foreign investors. In fact, the country’s turnaround has been labeled as one of the most impressive in Europe.

It’s also a popular market for foreign property investors, frequently included on lists of the best places to buy property abroad.

There are several legal structures available for foreign investors interested in a new company in Spain. These range from simple sole trader entities to the more popular limited liability company option.

Below, we’ve listed the most common company legal structures for foreign investors in Spain, as well as short descriptions of the advantages and unique characteristics offered by each option.

Sole Trader

Operating as a sole trader is the simplest way to start a business in Spain. As a sole trader, you don’t need any minimum amount of share capital. This means that you can start a business with almost no initial costs, other than those required to establish operations.

Foreign investors interested in becoming sole traders in Spain will need to obtain a Numero de Identification de Extranjeros (NIE). Non-EU citizens also need to have a Spanish residence visa and a self-employment work permit.

The biggest advantage of operating as a sole trader is simplicity — unlike other company types, starting a business as a sole trader is very straightforward and inexpensive. However, it’s also a potentially risky option, as sole traders have unlimited personal liability for company debts.

Because of this, sole proprietorship is usually chosen by business owners with a limited initial budget.

Partnership

Spanish businesses can also be formed as a partnership, or sociedad civil. Like in most other countries, partnerships in Spain involve two or more business partners who all contribute cash, labour, property or other items of value to the business.

Similar to a sole proprietorship, business debts in a partnership are the liability of the business partners. There is also no minimum investment for this type of business, allowing a partnership to be formed at little cost.

Partnerships have many of the disadvantages of sole proprietorships — mainly, total liability for the business’s debts — but offer the advantage of being cheap and easy to form for two or more people interested in going into business together.

Limited Liability Company

Spain also offers limited liability companies (known as Sociedad de Responsabilidad Limitada), which serve as a legally separate entity from their shareholders. The Spanish S.R.L., or limited liability company, is quite similar to a private limited company in the UK.

Opening a limited liability company is the most popular option for foreign investors interested in starting a business in Spain. Incorporation costs are reasonable and the process is fairly quick, meaning you can be up and running and “in business” without much of a delay.

The biggest advantage of a limited liability company is that you, as a shareholder and investor, can’t be held personally liable for the company’s debts. By law, there is a minimum investment of €3,000 for the process of opening a limited liability company in Spain.

Other Company Types

Spain offers several other company formation options for investors and entrepreneurs. These include the Sociedad Limitada Nueva Empresa, or new enterprise limited company, which has different reporting requirements from a typical limited liability company.

Larger businesses can also incorporate as a public limited company in Spain, although this type of business structure is — like elsewhere in the world — highly regulated and generally only used by large corporations.

Finally, some businesses in Spain form as co-operatives, or Sociedad Cooperativa. Like public limited companies, the co-operative model is typically only used by larger organisations with a significant workforce.

Finding Simple Ways to Save for Your Dreams

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Funding your dream wedding, paying for a ticket to travel the world or saving up a deposit for a place of your own, whatever you want to save for, taking a planned approach could help you get their quicker and give you a whole lot of satisfaction to boot. If you’re the type who usually spends every last penny of their pay cheque, here’s what you need to know to start saving fast.

Analyse your budget

First things first, you can’t curb your spending if you don’t know where your money is going. You’ll find lots of helpful tools online to help you assess where you’re spending your money and therefore how you could potentially create savings. Many banks also include money monitoring of their online accounts, so it’s easy to get an overview of where you are doing well and what your problem areas are. The Money Advice Service budget planner allows you to enter your outgoings, so you can play around with different budgets to set realistic limits for luxuries such as entertainment and going out. Cutting these out completely is likely to leave you feeling deprived and more likely to head off plan, whereas setting a realistic cap for treats and sticking to it will help you reach your goal that bit more comfortably.

Squeeze your utility costs

It’s not always easy to do much about the cost of rent or your mortgage, but simple switches like changing your gas and electricity suppliers could prove a smart move. Make sure you do your bit by being mindful of the energy you use. It’s time to get vigilant about switching lights off and putting on a sweater rather than turning on the heating. Don’t forget to explore weather you’re getting the best out of other monthly costs such as broadband and mobile phone tariffs too. Has your introductory internet deal ended? If your mobile phone is fully paid off, could you forgo an upgrade so that you can pay a lower monthly bill?

Meal Plan and Pack Lunch

Convenience costs money. A daily takeaway coffee can add £15 on to your weekly spend with some of us reportedly spending over £2,000 annually out of the home. Grabbing breakfast on the go has also become a big money spinner for the likes of supermarkets, bakeries and cafes. That’s all before you consider the cost of lunch and your evening meal.

To slim down the size of your food spend, start planning:-

  • Menu plan your evening meals. Ensure some ingredients can be used for several means and batch cook meals for the freezer you can reach for when you’re too tired to cook.
  • Invest in a travel mug so that you can take coffee with you when you head out the door.
  • Scrap the costly lunches out. Even cheap meal deals cost more than homemade lunches. Eat leftovers from the night before or make your own sandwiches, soups and salad bowls.
  • If you can’t make time for breakfast, pack that too, your bank account will reap the benefits.

Use Cleverer Credit

Saving money can often prove a false economy if you have a lot of debt to pay off. Unless your borrowing is interest free you’re likely to pay more out in interest than you earn on your savings. However, if you’re saving towards a specific goal that can’t be put off, your best bet is to balance that against paying down your debt. Take a close look at what you’re paying in interest on your credit card balance and see if a balance transfer could help you to pay it off quicker and more cheaply. If you’re debt free, using a comparison checker like Choose to compare what credit card options are available to you could still be a clever move. Some cards come with perks such as cashback or air miles. If you have a lot of spending to do in preparation for something like a wedding or a move, you could earn as you spend. Providing you clear the balance in full, don’t spend more than you otherwise would and pay close attention to meeting any restrictions laid out by the lender you could give your funds a little boost or bag some air miles towards your honeymoon without any real hard work.

Boost your income

Working a few evenings a week at a local pub or taking on a weekend job at a café or clothes shop could top up your savings pot with a secondary regular income. You may have to pay a higher level of tax on your second income and clear your new role with your primary employer so make sure you do your sums and fact check first. The Money Advice Service has some great tips. Select your second job wisely and it could give your long term plans a boost too. The 15% staff discount Ikea employees receive could certainly prove useful if you’re planning to furnish a property soon. If you can’t commit to a second job, you could still earn some extra pennies doing things like paid online surveys from the comfort of your sofa or spending your Saturday nights babysitting. After all, you won’t want to be out all of the time frittering away your savings stash.

Celebrating your savings achievements can really help fuel your enthusiasm for saving and drive your success. A simple wall chart could be all you need to track how much you’ve saved towards your goal. If you’d like to use something a little fancier and more interactive, look at smartphone apps like Mint (Android / iPhone) and Money Box (Android / iPhone)

Tricks and Tips for Saving Money on Your Home Extension

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If you’ve been dreaming of expanding your property and having more space to enjoy, then it’s time to start thinking about a home extension. It’s not always the first thing that people consider, and it’s often put off due to budgets and other priorities, but now is the time to take charge and tick something off your bucket list.

Whether you’ve been putting it off due to the heavy costs you’re expecting, or you’re waiting until the time feels right, now is the time to tackle the project and give yourself some space to really make the most of your home. Follow these simple tips and tricks to help you extend your home without spending an arm and a leg.

Create a Plan

The first thing that should be done when extending your home is creating a plan. This plan needs to include everything, from the dimensions and measurements of the extension, to the finer details such as décor and purpose of the room. If you don’t know the purpose of the room, you’ll struggle to make decisions along the way, from the colour of the room to the furniture required, so you need to think about this before any work begins.

You can also figure out budgets and costs with your plan, as you can try to work out exactly what you want to be done, when it needs to be done by and who is the best person to do the job.

The Best Fit

Moving onto the actual labour, you need to focus on finding the best possible people to do the jobs you have. Whilst asking the first person you found online to do the job would be easy and quick, it could end up costing you a lot of money for a job that’s not even half the standard as someone else.

Make sure you do some proper research into who is available in your local area to do the work and how much they charger per hour. This will really help you to find the best fit for the work and give you peace of mind that you’ve chosen the right person. You could also look for reviews from previous work they have done to really reassure you that they’re hard working and reliable.

Be a Project Manager

In order to really make the most of every part of your house extension you need to become the project manager. It doesn’t matter if you’ve never done this sort of thing before, by project Managing the work you can simply have everything run past you for your final decision. The main reason this is so useful is that no money will be spent without your say so, you’ll have a clear idea of exactly what is going on and everyone will have a level of respect for you that will ensure you’re clear on everything going on.

The perfect example of this may be that one of the equipment pieces requires a Hiab spare part, which your contractor may purchase from someone they know with an added cost for the time, whereas, if you’re in the know you can locate the best possible part at a good cost and save yourself a considerable amount of money.

Be Proactive

There is nothing more frustrating than wanting something doing and it not being done, and if you leave your house extension to luck then you’re going to find it taking a lot longer than necessary. Make sure you’re as proactive as possible throughout your extension project, from beginning to end, as this will help make sure everything runs smoothly and happens when it needs to.

If you feel your contractor is being slack or lazy, you can let them know your thoughts and get the project moving again, or even look at hiring someone new. If you sit back and leave the work to be done without much of your input, you could find yourself living in a building site for a longer period of time!

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