Making Money At Home For Your Loved Ones

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The pandemic last year hit many of us hard for many different reasons. There are many people around the world who have lost jobs, been put on furlough, or have had to close down their small businesses during the time where people had to stay at home. 

One of the important things to try and do during these difficult times is find new ways to make money for yourself and to support your loved ones. There are many methods for making some extra money at home whether it be via a hobby or setting up a passive stream – and here we have some ideas for you to try today. 

Sell artwork 

One of the first things you can try to do this year is sell some artwork. Whether you are a dab hand with a paintbrush, delicate with a pencil, or you take amazing photographs – people will pay to have these framed in their homes as decoration. Set up your own Facebook page or an Etsy site and it will allow you to sell your work to people and make some extra money doing something you enjoy. 

Create a YouTube channel

One of the most lucrative and wide ways to make money in the modern world is to start a YouTube channel and share content with the world. When you create a YouTube channel you are able to share any type of content you want from makeup tutorials to crime stories and more. You can choose whatever subject you love and share it with the world. The great thing about YouTube is that you are able to put your video out there into the world and over time you’ll start to make passive income as people view it. It is a useful way to make money but can also become a great hobby for you to destress and enjoy. 

Trade currency 

If you are looking for a more investment focused way to make money, trading currency is a great idea. The forex market has been the most lucrative market in the world for years and recently cryptocurrencies such as Polkadot (DOT) and Bitcoin have been introduced which are growing rapidly in popularity over time. Take the chance this year to start trading on the forex market and see what a difference it can make to your income over the years. 

Take on freelance jobs 

If you have a specific skill that you want to share with the world, one helpful way to make some money this year is to join a network such as Upwork and look at signing up for freelance jobs posted by others on the site. This can be a great way to make money at your own pace when you have some free time and it will ensure that you get some income when you need it most and you won’t be tied into doing work every day if you don’t have the time. 

Consider some of these methods of making money this year for your loved ones and start to invest for you family’s future.

How To Pick The Best Sporting Activity For Your Child

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Incorporating sports into your child’s life is an excellent idea as there are significant advantages your child can gain from being involved. The truth is that not all kids may enjoy sports since their interests may lie in other activities. However, the challenge usually comes in choosing the right sport for your child if they are interested. Like all other decisions, you take on behalf of your children, choosing the right sport is just as important. So, how can you go about making the right choice? Here are a few things you should consider.

Expose your child to several sports

The best way you can be sure you are making the right choice is by having a lot to choose from! By exposing your child to a wide range of sports, you help create various experiences for them. This goes a long way to help them discover the sport in which their interests lie. You do this by simply giving them information on sports you are knowledgeable about. For example, if you know all about rugby or soccer, you can share this information with your child to perk up their interest. Watching various matches and tournaments is also a great way to expose them to multiple sports. Doing so would also help you decipher the ones they like and dislike.

Look out for signs of enthusiasm

Perhaps, your child is already interested in a specific sport. To be sure of this, you would have to be mindful of the sports they seem to be enthusiastic about. Children tend to express their interest in something by talking about it. A lot! Listen to your children talk to figure out which sports they prefer. They may speak excessively about plays, strategies or follow games closely. They may also form bonds with other children who play that sport or share an interest in it. However, you would need to be flexible in this regard. This is because your child may express interest in a “non-traditional” sport such as mixed martial arts or gymnastics. Whatever sport they show interest in, find ways to support and encourage them.

Consider your child’s physical traits

Is your child tall? Perhaps they have long legs? Or, are they stout? Your child’s physical appearance can play a role in what sports they could enjoy playing. For example, your slim and short child may be better off being into athletics or basketball. However, do not let their physical attributes hinder them from participating in sports they are interested in. You should also consider their skills, strength, and temperament. These attributes would be a significant determinant of whether your child should join individual or group sports, the nature of the sports they would excel in, or their overall attitude towards a sport.

Although you want to help your child make the right choice, it is vital to offer support than to force them to join a sport. Therefore, use these factors to hear your child out and not force them.

Can I Find Love After A Separation?

The pandemic has taught us a lot about ourselves. But it’s also been a revelation for a lot of couples. Some have seized the opportunities to fall back in love again. Others have discovered with horror that they’d grown too far apart to carry on with their dreams of a happy ever after. It’s no surprise that many relationships have emerged or dissolved during the many periods of lockdown.

Yet, when you’ve spent many years in a long-term relationship with your partner, it can be devastating to consider a separation. Thankfully, a lot of couples who have chosen to go separate ways during the pandemic have managed to do it on friendly terms. So there’s one less thing to stress about as you ask yourself the big question: Will I find love again after a separation?

Can I Find Love After A Separation?

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You are in charge of how you feel

There’s a big difference between finding love and being in a relationship. If you focus too much on finding someone to prove to yourself that you are worthy of love, you may end up settling down for something that doesn’t make you happy. There’s no secret: If you are insecure about it, you’ll struggle to find the confidence to hit the dating scene again, as per a previous article on http://www.mumstheword.me. When you start to find happiness in who you are, you find it easier to follow your heart than your fears. While it doesn’t mean that you can’t do some work on yourself. You may want to get fitter or stronger, and that’s great. However, make sure that you’re doing it for yourself and not to impress your future date. If you let self-esteem issues and self-doubts guide you, they will inevitably encourage a relationship for the wrong reasons. And that’s the last thing you want in your quest for love.

It doesn’t have to be something serious 

Here’s the thing: You may be ready to have fun, but that doesn’t mean you want to jump into the next long-term relationship. When you’ve spent a lot of time in a relationship, sometimes, it’s good to enjoy your time alone before hitting back the dating scene. It’s a fantastic opportunity to figure out what you want and like. And ultimately, it doesn’t hurt to enjoy casual flirting without any engagement before you move onto more serious things. Get back into the flirting game with things such as https://www.freechatlines.com without any expectations. Or you could simply turn to chat-friendly platforms that let you reach out to people and find your voice again. Needless to say, when you’ve been on your best behaviour for years, it can be interesting to find out just how much fun talking to strangers can be.

Using it as an excuse to get back to your ex

Understandably, it’ll take some time to figure out who you are when you’re single again. We tend to define ourselves through our relationships, so it’s fair to say that you’ll have to update your social media presence after the separation. Your future partner will see your social media presence, so it’s about showing your true self rather than trying to get back at your ex.

Hoping for love after a separation is the dream of everyone. More often than not, your approach will be crucial in making room for a new relationship. Self-confidence is a game-changer, in your flirting game, in your worth, and in who you are.

Are You Getting the Internet Speeds You’re Paying For?

Are You Getting the Internet Speeds You're Paying For?Husband and I were recently having a conversation about what our internet was like when we first started living together. At the time, we paid a fair amount for it and I think our speeds were around 5Mbps – we thought this was pretty good, but looking back it was terrible by comparison!

These days, our internet speeds are 500Mbps, and we often get much faster speeds than this too. It’s been a long time coming, to be fair – when we first moved to our current house, we were back to having 5Mbps speeds because the rural infrastructure was so ancient, so when it was all upgraded, we felt like we’d been catapulted into the future.

It’s all well and good paying for a decent internet package, but have you ever wondered if you’re really getting the speeds you’re paying for? Doing an online Speedcheck is the easiest way to find out but there are some things to remember.

Traffic Shaping

Traffic shaping is something that some internet providers do, which means that at peak times you may find your speeds are slowing down. They do this so that everyone gets an equal share of the bandwidth, but it’s not always legit as it means you’re not always getting the speeds you’re paying for, so it’s worth checking your contract to see if it’s mentioned in there. You can work out if your traffic is being shaped by doing speed checks at different times of day, both off peak and during busy times to see if there’s a consistent drop in speeds at a specific time.

Disclaimers Regarding Speeds

Sometimes, there will be small print on your internet providers service, meaning that although you’re paying for one speed, this may be subject to certain conditions. Keep an eye out for words like “up to”. Also, find out what the maximum speed you can receive through your infrastructure before commiting to a plan – it’s all very well taking out a package which offers “speeds up to 500Mbps” but if your local cables can only deliver 5Mbps, you’re going to be grossly overpaying for a service that it’s impossible for you to receive!

Check Your Neighbours Speeds

If you’re on friendly terms with your neighbours, it’s always a good idea to confer with them to see who they get their internet from, how much they pay and if they have a referral code which gives money off of theirs and your connection. If you know that your neighbours are getting a specific deal with isn’t being advertised, it gives you much better ammo for negotiating your price.

Wired/Wireless?

Another thing to bear in mind is that some providers will differentiate between wireless and wired speeds. If you use a tablet or laptop to surf the internet, you may find that your speeds are totally different to speeds you’d get if you were using a PC which was hardwired to your router. To check the difference, invest in a network cable and test your speeds both wired and through your Wi-Fi. If you’re not getting Wi-Fi connectivity you expected but the wired speeds are okaym your ISP (internet service provider) may be able to offer you hotspots which can be plugged in around the house to aplify your Wi-Fi signal.

Don’t forget, check your speeds at different times of the day using Speedcheck and keep a log of them for 7 days before speaking to your ISP. It could be great for price negotiations to have the data on hand!

Why to Consider Buying Green

When it comes to electric cars it’s no longer a case of if but when. The government has announced that we won’t be able to buy new petrol or diesel cars in the UK from 2030 onwards and even plug-in hybrids will be no longer from 2035, so electric looks like being your main option.

Electric car sales are on the rise already, though, with plenty of people recognising the plus-sides to EVs. They are cheaper to fuel and you can do it from home or at work in many cases, they can drive into city centres without paying charges (where they apply) and you don’t have to pay anywhere near as much tax.

That’s before you consider the fact that they are quiet to drive, often have lots of modern tech and many are good to drive.

If you are considering going green, then these cars would be a good place to start, plus you can find out how much your current car’s worth with an online valuation from market experts, Parkers.

Volkswagen ID.3

Volkswagen’s Beetle enabled many people to get behind the wheel of a car for the first time when it first launched – could the ID.3 do the same with electric?

It’s VW’s first purpose built electric car (VW did make electric versions of the Golf and Up, though) but there will be lots of other ‘ID’ EVs to come from the brand. It looks different to other VWs, to set it apart, but it still offers a great level of family-friendly practicality and ease of use.

There’s space for five, it feels spacious inside and it feels familiar and accessible when it comes to driving it. There is a choice of ranges, too, with an impressive 260 or 336 miles possible.

Tesla Model 3

Despite the company’s relative newness, no list of electric cars is complete without a Tesla these days. The Model 3 is the cheapest one in the brand’s range but it still comes with a load of the fancy tech that Tesla is famed for now.

The thing that will tempt many, though, is the promised 353-mile range – that should be enough for most long-distance trips. It’s really quick and fun to drive, too, so it’s little surprise that it is shooting up the sales charts [https://www.smmt.co.uk/vehicle-data/car-registrations/] to become one of the more popular cars on sale in the UK full stop.

Polestar 2

If you thought Tesla was a newbie then compared to Polestar it is an established household name. However, there is more to it than that as this is an electric-only arm of Volvo. It’s also the company that is Tesla’s closest rival, offering some up-to-the-minute features like vegan interiors, although it doesn’t have as many gimmicks as some rivals with a minimalist cabin with very few buttons. Think the sort of living room that pops up in those Scandi dramas that are so popular. It’s smart and sophisticated rather than dripping with showy tech.

The range is impressive, although not quite at the level of the Tesla and ID.3 – it tops out at 292 officially. It’s not the most spacious of cabins compared to some, but it still has enough room to appeal to family buyers.

Citroen e-C4

One of the big benefits of electric cars is that they are less stressful to drive – there is much less noise and vibration and the lack of gears etc mean they are relaxing on the road.

The Citroen e-C4 majors on this, and makes for a really smooth driving experience with a comfy ride and seats. While it isn’t a dedicated EV (there are petrol and diesel versions too) it was designed to be an electric car from the start.

The range isn’t as headline grabbing as some of the other new electric cars, but at 217 miles it will cope with almost everything for the majority of drivers. And it is capable of a lot more than the electric cars of only a few years ago.

Kia Soul

Not everyone who buys an electric car wants to slip into the background unnoticed – you might want to make a statement with your funky new battery-powered wheels.

The Kia Soul is certainly distinctively looking, although its boxy shape means it still has a decent-sized and airy cabin, even if it isn’t the biggest or most practical out there.

It’s quick and fun to drive, too – 0-62mph comes in just 7.9 seconds and it has a claimed range of 280 miles.

The Best Flower Crafts for Kids

Kids Flower CraftsArts and crafts are important for your child’s development. Not only can they get their creative juices flowing, and let their imagination run wild, but the holding of pens and paintbrushes can help improve their fine motor skills.

Plus, there is no better time to do some crafting, and as the weather begins to get warmer and the flowers begin to bloom, there is plenty to spark your child’s imagination.

From potting plants to sunflower competitions, if you’ve been spending more time outdoors as a family, why not use nature as your inspiration for your next crafting session with your kids.

Here are our top flower-themed activities for you and your little ones to get your hands on, and most importantly, have fun!

Flower hand painting

With bright shades and interesting petal shapes, flowers make the perfect, colourful spring time picture. Plus, when paint is involved, things can get messy and fun!

Tulips have a unique shape and come in a variety of colours, so why not make them the subject of your kids’ crafting session. Even better, you get to create the painting using your little one’s hands.

To make a tulip painting you will need:

  • Paper
  • Plate or paper plate
  • Colourful paint, including green
  • Paintbrush
  • Apron (if you think things will get messy)

First, encourage your child or guide them to paint a green stem on the paper, and then add some large green leaves. If you have a bunch of tulips to hand, it can help to mirror the shape. Next is the best bit – and made need some adult supervision if your child is younger.

Your child then places their hand on a plate of coloured paint, making sure that its completely covered. Then, press their hand firmly on the paper at the top of the stem. Keep the fingers together, and then slowly spread them out to create the tulip shape.

The picture is then complete! You can do this on a folded piece to make a greetings card, or cut out the hand-print flower and stick on the top of a lolly stick to make a pretty bookmark. You can also experiment with shapes and colour.

Try yellow as the main colour, and spread the hand out completely when pressing on the paper – you can then fill the middle with some black paint to create a beautiful sunflower picture. Again, if you’ve been growing sunflowers in your garden, you can take the activity outside and use them as inspiration.

Egg box flowers

The best crafts are made from the materials you can find around your house, reusing something that possibly could have been thrown away. For example, an old egg box is a great starting point to make a colourful and interesting, homemade bunch of flowers.

To make egg box flowers you will need:

  • Egg box
  • Scissors
  • Colourful paint
  • Green pipe cleaners or lolly sticks
  • Buttons (optional)
  • Ribbon (optional)

Firstly, if you’re child is old enough, let them cut each section of the egg box individually, or you can step in to help. Then, you cover the whole section in colourful paint – whichever colour your little one chooses. If using them, stick a button in the middle of the box to create the centre of the flower. Or you can simply paint the centre with a contrasting colour.

Finally, stick the egg box flower to the top of a green painted lolly stick or pipe cleaner. If you wish, you can bunch up a few of them and tie together with a coloured ribbon, taking inspiration from the flowers you find outdoors. You can use them to decorate the kid’s own section of your garden.

Tissue paper blossoms

If paint isn’t your thing, there are plenty of other materials that can represent the colours and flowers that we see in nature. The texture of tissue paper can be used to create blossoms – the perfect activity for spring as we begin to see these bloom all around us!

To make a blossom picture, you will need:

  • Pink tissue paper
  • A piece of paper
  • Glue
  • Brown pen, crayon or pencil

The first step is the most fun for little ones, as you need to screw up all the tissue paper into little balls. Set aside whilst you encourage or help your child to draw a tree trunk and some branches on the piece of paper, with either a crayon, pen or pencil. Then, they can stick the tissue paper flower buds onto the branches they’ve drawn, until the paper is full and a beautiful blossom tree has been created.

You can use any shade of tissue paper you like to create the blossom picture, and with nature as your inspiration, the possibilities are endless!

Five Reasons to Lease a Car Instead of Buying

Leasing a New CarFor many of us, when we think about having a car, we immediately think of buying a vehicle. But there is a different way – leasing! It was estimated in 2018 that 1.6 million Brits lease their car and we don’t doubt that that figure is even higher three years on. With this in mind, I thought I’d talk to you today about the reasons for leasing a car, rather than buying:

The Cost

Believe it or not, the monthly cost of leasing a car is often cheaper than monthly finance payments. In fact, many people find that they’re able to afford a much nicer vehicle for their budget when leasing than spending the same money on finance. And don’t forget, most Leap vehicle leasing  will allow you to buy the vehicle outright at the end, if you want to.

Value

There’s that old adage about new cars losing a huge amount of value as soon as you drive them off of the forecourt for the first time, and that’s something that is definitely true. However, when you lease a car instea dof buying, the value of the vehicle is someone elses problem. Because you’ll be returning the car to the dealer instead of selling it, you don’t need to worry about losing anything when you’re ready to get a new vehicle.

Maintenance

Many new cars offer a warranty that lasts at least three years. So when you take out a three-year lease, most of the repairs should be covered. Leasing arrangements mean that you won’t have to worry about the expense of repairs, should something go wrong with your car. Also, new cars don’t require MOTs for the first three years either, so you won;t have to factor this into your budget.

That New Car Smell

There’s nothing quite like the feeling of driving around in abrand new vehicle, and that’s a feeling you get to keep when you lease a car – when the lease is up in a few years, you can return it and get your next new car. This means that you’ll always have a new car which is maintenance and MOT free, too!

No Need to Sell

Are you the type of person who hates to haggle? If so, you probably hate the idea of selling your used car to a dealership or a private buyer. With a lease, you simply return the car. The only thing you have to worry about is paying any end-of-lease fees, including those for abnormal wear or additional mileage on the vehicle, but this is something you can keep an eye on yourself throughout the lease, so you should have a rough idea of what these charges might be.

Can You Make Money From Home Through Affiliate Marketing?

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The ideal life for a lot of people is being able to stay at home while still earning a decent living. Not only that, but you want to work for yourself and set your own schedule in life. It’s possible to seek out different opportunities to achieve this state of living, one of which is affiliate marketing. 

What is affiliate marketing?

In short, it’s a type of digital marketing that relies on people promoting things for companies. As an affiliate, a company provides you with your own unique link to share with other people. When someone clicks on your link and purchases something from the company, you receive a percentage of the sale. Effectively, you receive a commission for promoting a business.

When you read this, you begin to wonder, can you actually make money through affiliate marketing? Well, the overall answer is yes, because you certainly can. However, there are definitely things you need to know before you go down this route. A lot of affiliate marketers don’t make money, but it is definitely possible. 

Find an affiliate marketing platform

Going out into the big wide world of affiliate marketing on your own is never going to end well. Instead, you need a platform to help you get set up. Essentially, these platforms help you find affiliate marketing opportunities and give you tools to help promote the various companies. They may also offer education to further your knowledge on the topic. Be careful, as this Wealthy Affiliate review shows, some platforms can be outdated and a bit of a waste of money. Do lots of research before coming to a decision on the platform you wish to choose. 

Don’t spend too much money

As an affiliate marketer, you can spend money to promote your link and get it seen by many people. Things like paying to have ads directing people to your blogs or using social media ads are popular ideas. Nevertheless, you should aim to spend as little money as you possibly can. Otherwise, you might struggle to make a profit when you compared your affiliate earnings to what you spent. This is a mistake many affiliates make all the time!

Work with companies you trust and believe in

Lastly, only become affiliates for companies that you trust and believe in. The best way to make money through affiliate marketing is via a blog or social media account. Thus, you need to ensure that the companies you work with aligning with your particular brand. If you have a blog about sports, it makes sense to promote companies that sell sports clothing, equipment, etc. It’s easier to work your link into your content, and your target audience will be interested in the companies as well. Research the companies beforehand to ensure they are legit and trustworthy too. 

You most certainly can make money as an affiliate marketer, but it’s not as easy as people make out. There’s this myth that affiliate marketing is easy and you can instantly earn a fortune. In reality, it takes a fair bit of skill and perseverance to ensure you actually earn a steady income.

Tips to Help Your Post-Workout Recovery

Tips to Help Your Post-Workout RecoveryNow that the gyms are open again, millions of Brits have hit the workouts hard, in an attempt to shake off that lockdown weight gain. The fact that lockdown has ended just in time for Spring and Summer, when many of us feel the pressure to be slimmer anyway, means that people are exercising harder than ever, and that means injuries are inevitable.

When I started weight training, back in 2017, the exercise itself was fun and fulfilling, but the days of DOMS in my thighs (why is it that walking UP stairs isn’t so bad, but walking DOWN the stairs feels like torture?!) were hellish! With this in mind, I thought I’d share a few tips for making sure you look after your body properly with your post-workout recovery:

Hit The Showers

Having a post-workout shower is important for getting yourself clean, but the water can actually help your muscles too. Alternating between blasts of hot and cold water, known as a contrast shower, can help improve recovery and alleviate muscle soreness. Even better is if you’re lucky enough to have steam showers at your gym, as using steam is like putting a warm blanket over your aching muscles!

Hydrate

Most people remember to take water with them to the gym and to drink while they’re working out, but drinking plenty during your post-workout recovery is super important too. Experts generally agree that, for every 10 to 20 minutes of exercise, you should drink at least 260ml of water, followed by another 230ml no more than half an hour after you’ve stopped to keep your muscles healthy. If you can add some electrolytes to your water, that’s even better.

Stretch

Most people will strecth before they start their workut to help avoid injury, but they don’t always stretch again at the end, which is a common mistake. When you stretch your muscles after a workout, you’re helping to give your body a jump-start on recovery, while also releasing stress and tension, and boosting the flexibility of your joints.

Protein

Whether you’re following a strict diet or not, one of the most important ways to help your body to recover from exercise is to make sure you have plenty of protein. This can come in the form of a protein shake, eggs, steak or even seitan for the vegans – as long as it’s protein-rich, it’s what you need to help your muscles to rebuild and really benefit from all the exercise you’re doing.

Rest…But Still Move!

I know how tempting it is to take the “rest” part of “rest day” a little too literally. You’ve worked out hard all week and come your rest day, you want to remain as sedentary as possible. Believe it or not, failing to do ANYTHING on a rest day can actually do more harm than good. Don’t get me wrong, I’m not suggesting a full-on HIIT routine or anything – a gentle walk, some yoga or even just playing Mario and Sonic at the Olympics on your games console – a bit of movement will prevent your muscles from seizing up, which will make it easier to go back to full activity on your workout days.

Making Your Savings Go Further

Saving should be part of every financial strategy. You can’t plan budget management without making sure you can put money aside. Indeed, your savings could keep your budget afloat in case of an emergency, whether it’s an unexpected bill or prolonged unemployment. There’s a reason it’s called savings. It’s because your savings can save you. 

The typical 50/30/20 rule suggests that the household should spend 50% of the net income on essentials, 30% on non-essential purchases, and put the remaining 20% into the savings pot. Ideally, to make the 50/30/20 rule work, you need to monitor cash flow closely. Indeed, the best way to turn 20% of your income into savings is to reduce your essential and non-essential costs. Could you cut down your electricity bills by switching providers, for instance? How much can you save through meal preps that prevent food waste and takeaway expenses? The bottom line, if you’re going to make your savings work harder, you need to make saving money possible in the first place. Unfortunately, successfully grown savings come at a cost. You could pay taxes on your savings. Here are some ways to make savings more affordable. 

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Look out for options to cut unforeseen taxes

Less than 5% of tax-payers in the UK pay tax on their savings interest. The personal savings allowance (PSA) lets you earn up to £1,000 in interest without worrying about taxes. However, your income tax rate will determine the PSA. High-earners may not benefit from any allowance, which means that savings do cost money. Yet, there are still strategies that can cut down tax expenses. Retirement savings, for instance, as highlighted in a post on Mega Backdoor Roths can be subjected to financial strategies that maximise savings for high-earners. ISAs are also left tax-free for as long as you don’t take money from those accounts. 

Invest it in a small business

Sometimes, your savings are going to work better for you if you keep investing them further. Investing in a small business, for instance, can cut down your tax expenses, and ensure that your savings can carry on working for you. When you join a small business as an investor, you ultimately build an investment path for your savings. While there is no guarantee that you’ll receive a return for every pound you invest, the idea is to select companies that are more likely to become successful. 

Alternatively, you can consider investing in your own venture. This could be the opportunity to launch your side hustle and grow it. 

Reach out to a financial advisor to create a portfolio

An investment portfolio is designed to bring your savings and finances to the next level. Unfortunately, unless you know what you are doing, it can be tricky to create the right portfolio for your budget. Financial advisors tend to recommend low to medium risk investments with the highest returns to their clients who are unfamiliar with risk management strategies. Typically, this would include a combination of safe bonds, real-estate crowdfunding, dividend-paying stocks, annuities, and even peer-to-peer lending. 

Savings, and especially savings for high-earners, tend to come with a tax expense. This can make it tricky for individuals to build up an effective savings strategy. However, there are different tips to avoid the tax hassle while making your savings work harder for you. An investment portfolio, for instance, can make sense of your income, dividing it into actively invested savings, and savings kept into designated accounts.