1505 posts Posts by Jayne

Why Passive Income is Your Road to Financial Independence

Most of us have to work daily to earn enough income to fund our lifestyle. Unless you are one of the fortunate few that are born into wealth, true financial independence is often a distant dream and the primary goal is to make it to retirement.

But it doesn’t have to be that way. Changing your perception of what work is can be a radical first step to financial independence. What if you didn’t have to work for somebody else? What if income wasn’t tied to the daily grind?

Enter passive income – your road to financial independence.

Once an initial contribution of energy, time, and financial investment is made, you can earn income passively. This means the money continues to come-in consistently, automatically, and with little ongoing maintenance.

If you can create a passive income, especially when young, it is easy to see why financial independence looks more attainable.

Passive Income Is Everywhere

Passive income opportunities are everywhere; from affiliate marketing online, to renting out property, to getting paid dividends from stock. The trick is to make your career and financial decisions revolve around potential passive income streams. Take classes in real estate, not history. Invest your savings, don’t leave them in a regular bank account. Work extra hard now so you can reap the benefits later.

Here are 4 of those benefits that passive income can bring you …

1) Prevent Financial Emergencies

A core piece of financial advice is to create an emergency savings account that you can turn to if you lose your job, are faced with unexpected bills and expenses, get stuck in a natural disaster, are going through a divorce, or a faced with any other kind of financial emergency.

You can also find 1,000 dollar loans online via sites like WeGot1000 to help bridge the gap.

While this advice is still solid if you have a passive income stream, you may never even view any of these situations as true financial emergencies and you might not even need a loan. Not only do you have a safety net, but that safety net keeps on replenishing itself regardless of your circumstances.

If you lose your day job, you can rely on passive income until you find another. If that car payment comes out earlier than expected, you can bridge the gap. Need to ditch everything and get away from a hurricane?  You still have money coming in.

Of course, every situation is different and even with a passive income you can still end up struggling, but you’re in a much better position than those who rely solely on a weekly or monthly wage, tied to their ongoing effort.

If the potential for financial emergencies is reduced, your road to financial independence is a lot smoother.

2) Create Investment Opportunities

A lot of people like the sound of investing. Who doesn’t want more money? The trouble is to invest you need capital to begin with, and you need to be prepared to risk that money because even the soundest of investments can result in a loss.

If you have a passive income alongside a regular job, you can use the passive income to invest. Your wage or salary covers your day to day lifestyle and your passive income can be used to experiment and generate more wealth in the long-run.

The main point is that passive income gives you more financial freedom.

3) Allow You to Find Other Revenue Streams

Usually, when you work a regular job (even a high-powered one), it takes up the majority of your time. You may find if you’re particularly driven that you can get something else going on the side, but there’s not much else you can do after that. There’s only so many hours in a day.

However, if you use your extra time to create a passive income stream and eventually you find success, you then have the freedom to repeat the process. This is because passive income, once it is up and running, takes minimal effort to maintain.

In theory, you can have an unlimited amount of passive income streams, or at least until the point where you’ve found a balance between maintaining them all and not feeling overwhelmed.

Of course, by then you can probably afford to …

4) Allow You to Quit your Day Job

If you have built a stable passive income that can sustain you, then there’s no reason to be working a regular 9 to 5 job. Financial independence is all about having enough wealth to live on comfortably without working. Passive income can accomplish this.

That’s not to say you’ll get there right away, but as you venture on the journey, things will get easier. Before quitting your job outright, you may have the freedom to quit a dead-end job and do something that you enjoy that pays less.

 And even if you don’t retire as the head of a billion-dollar empire, whatever passive income you do have will continue into old age if managed correctly.

It’s a Snowball Effect

As you can see, the brilliance of passive income is that it creates a financial snowball effect. A small passive income on the side gives you the freedom to create another, which gives you the money to invest, which earns you enough to quit your job, which gives you more free time to develop more passive income streams – your wealth continues to accumulate and you reach financial independence.

Now you have the time to travel, start a family, be creative without the pressure of making money, and thoroughly enjoy life.

Start Your Journey Now!

Now you know what passive income can do for you, it’s time to start. The best mindset to have is that of a bodybuilder – no pain no gain. In the beginning, you need to force yourself to live frugally and save every last penny, to have enough capital to get started.

The rest is up to you.

How to Sue the NHS if You’ve Suffered from Medical Negligence

As a wave of news reports have revealed, the NHS is failing many of its patients. Medical negligence, whether due to mistakes or lack of care, is depressingly common. What many don’t realize is that you can sue the NHS if you’ve suffered from medical negligence. Nor do you have to take whatever minimal level of care they offer you as compensation. Here is information regarding how to sue the NHS if you’ve suffered from medical negligence.

Decide to Take Action

NHS negligence claims are typically bound by the same three year time limit that many medical negligence cases face. Don’t accept their recommendations to wait a few more months for a second opinion and then a few more months to see a specialist to treat your condition if the initial incident occurred several months ago. You run the risk of the three year time limit running out while you wait for the NHS to deliver care to correct for its initial mistake. And heaven forbid they put you on a two year waiting list for surgery to correct their first mistake and then drop you because you’re overweight or your condition deteriorated too much. Decide to take action instead of just waiting for the state to fix things.

If you or your loved one is still in the hospital, confront medical staff directly instead of accepting their advice to wait and see if things get better. If it is necessary, file a formal complaint. This establishes that you’re unhappy with the service or experiencing problems from their inadequate care or mistakes. It generates a paper trail that is invaluable when you take them to court.

What if your child is suffering the consequences of someone else’s medical negligence? The three year time limit doesn’t start until the child turns 18. The child could thus, in theory, file a case as an adult, though this isn’t an option if they are mentally impaired. If you’re in need of legal help for a medical negligence claim on behalf of a child, consult with an attorney now. You don’t have to wait until the child is 18 to file a claim on their behalf, since you’re probably incurring medical and caregiving expenses on their behalf already.

If your loved one has died due to medical negligence by the NHS, you can sue the NHS as well. Consult with a medical negligence expert, since the statute of limitations may be the date on which they were injured, or in some cases, the date that they died. Seek professional advice before you give up due to the mistaken belief it is too late to seek redress.

And don’t fall for the propaganda that you’re hurting the NHS if you sue them for the injuries or harm you’ve received. If you file a medical negligence claim against them and win, the NHS’s management will have another incentive to improve quality of care, get rid of bad doctors or alter procedures so that future mistakes don’t happen. It is rare that the medical practitioner involved loses their job unless it is truly an egregious mistake or they have a history of such errors, and in these cases, they shouldn’t be in their job.

Request All of Your Medical Records

Your medical records are yours, and it is your right to receive a copy of them. Know that you may need to pay a modest fee for copies of medical notes to be made. Don’t worry about these charges; if you win a medical negligence case against the NHS, these costs can be recouped. You want these records now, before you see a solicitor, so that their investigation will go much faster. And getting copies of the records now before you mention that you’re going to talk to an attorney ensures the staff doesn’t get defensive and delay giving you information.

Seek a Medical Negligence Expert

The first step is to find medical negligence solicitors with experience suing the NHS, you can quickly get in contact with someone using the contact form at websites like www.the-medical-negligence-experts.co.uk. The NHS is not easy to sue, and cases end up getting dropped quite often, so you have to make sure that your lawyer understands the NHS negotiating tactics so you don’t get swindled in your settlement. You should also work with a solicitor who has an actual story of winning cases against the NHS as well.

If your medical negligence solicitors are focused on suing private healthcare facilities, they are less likely to come to an amenable settlement with the NHS. And you should seek your own legal counsel, not just go with the legal advice you may have received from the NHS when you filed a complaint against them.

You should also make sure that you pick the right solicitor as well if you want to encourage cooperation. The best medical negligence solicitors are those who take every case seriously and are ready to fight till the end for their clients. A good medical negligence UK solicitor should also have a long standing record and a reputation for getting results. Don’t get overwhelmed by star cases, and try to see if they have success with smaller cases as well.

Cooperate with Your Solicitor

This isn’t an oxymoron. Too many people hire a solicitor and then get frustrated when asked to make more copies of medical and other receipts or be reluctant to add detailed financial bookkeeping of every little cost related to the injury and maintaining the home after the incident. Or they refuse to visit a second medical professional for a separate, unbiased medical evaluation. They may be tired of all the run-around with doctors or feel it is unnecessary.

However, your solicitor is trying to generate the documentation that will maximize the odds of winning your case in court. You may be asked to see more than one independent medical specialist because they are seeking a firm diagnosis or verification of your recovery before filing the claim.

Be Patient

The NHS is a bureaucratic behemoth, but it does have processes for settling medical negligence claims UK. This can take months for some, years for others. The more serious the injury or harm, the longer it takes to settle. The more complex the case, the longer it takes, too. Don’t be afraid of going to court, though, since fewer than 2% of cases against the NHS go to court, and you’ll have a qualified solicitor by your side the whole time.


Whatever you do, it’s important that you take action if you feel you’ve been a victim of medical malpractice, even if it’s against the NHS. It may start with filing a complaint while you’re still in the hospital. Request copies of your medical records while avoiding threats of legal action to ensure the medical facility’s full cooperation.

Then seek the advice of medical negligence experts who have experience taking on the National Health Service. Cooperate with the solicitor when they ask you do to something, whether keeping detailed bookkeeping, making more copies of receipts or visiting another medical professional for yet another medical evaluation. Be patient when dealing with the solicitor and the NHS. Complex cases and those with multiple liable parties take longer to resolve.

Pregnancy Plans: Know Your Options and Protect Your Balance

If you’re sure you want to get pregnant, but you’re unsure about all of the options available to you, it’s important to sit down and research what could work for you. It’s important to consider what’s affordable for you as well, and often, IVF can be one of the most affordable options available to you. If you’re looking for the most cost-effect IVF services, Advanced Reproductive Medicine in New Jersey is one of the best options available to you. Confused about IVF and how it can help? IVF stands for in vitro fertilization, and it’s the process where doctors manually assist in the reproductive cycle by joining a sperm and egg sample in a laboratory dish. This process is typically used for couples who have a challenging time conceiving.

What is IVF and How Can It Help Me?

IVF is the process of bringing a sperm and egg together in a laboratory dish, and then placing those fertilized eggs into a uterus to increase the chance of pregnancy. The ultimate question for people is usually this: can in vitro fertilization help me? Other questions typically follow as well; how much will this cost? How long does it take to get pregnant? What are my options? According to research done by Attain Fertility, about 40 percent of women under 35 have a success rate; however, women over 42 percent have less than a 4 percent success rate.

The next question is a bit more difficult, as in vitro fertilization can be quite costly. Some cycles can cost over $12,000. But if you’re on the hunt for a cost-effective IVF service, then Advanced Reproductive Medicine is the perfect option for you. Read more below to hear about the options available to women and couples looking to invest in IVF.

 What are your IVF Options with Advanced Reproductive Medicine?

It’s important to understand the options available to you with IVF, especially when the cost of IVF can prevent up to 2/3rs of patients in the United States from getting the fertility treatment they need. In fact, in New Jersey, where Advanced Reproductive Medicine is located, a single treatment can cost up to $15,000.

For a full stimulation of IVF with Advanced Reproductive Medicine, clients will pay only $6,300. More than that, the financial team at the company will help you plan your treatment and help you investigate with your insurance what kind of coverage you can expect.

A full stimulation of IVF is pretty vague, so we wanted to spell out what you can expect in this procedure. You can certainly expect all physician care pertaining to your entire IVF cycle. Additionally, you can expect a full-range of monitoring; such as, all ultrasounds, fertility coaches during your cycle, blood hormone testing, standard embryology laboratory work, education, and your first pregnancy and progesterone tests.

What will your IVF full stimulation treatment not include? Intracytoplasmic sperm injection (if need), assisted hatching, embryo cryopreservation if you have extra embryos available, medications, and anesthesia.

5 Ways to Boost Your Finances in 2018

No matter what happened in 2017, a new year has begun. For many people, organising theirfinances will be a new year’s resolution. After all, Christmas is an expensive time of year and we can end up spending huge amounts of money over the festive season.

January can be a tough month for finance, but it doesn’t have to be. PPI claims, gathering unwanted gifts and reviewing your current account is all part of the plan to have a healthy bank balance in 2018.

It’s important to have some extra money to pay for financial emergencies and events throughout the year. Thankfully, there are some great ways to boost your finances this year — and these five ideas can all be done right now! So, why put off getting that cash boost?

  • Try a New Way of Saving

The website Apartment Therapy came up with a new way of saving in small amounts. It’s a simple, yet effective way for people to save money from the very first day of the year to the very last. It’s not too late to start either! It’ll be incredibly easy to get on schedule quickly if you start soon.

The idea is simple: For each day of the week, you save some money. You increase the amount saved each day, but when the week restarts, you start all over again. The amounts below are the recommendations about how much to set aside every day:

Sunday £1

Monday £2

Tuesday £3

Wednesday £4

Thursday £5

Friday £6

Saturday £7

When Sunday arrives, you start back at £1. This way of savings means you will have £28 a week, equating to nearly £1500 by the end of the year. Find a big piggy bank or set up a direct debit to a savings account and add £28 a week. You’ll be so grateful by the end of the year and taking it out in small amounts every week can make the saving that much easier.

  • Make a PPI Claim Today

The PPI deadline is getting ever closer. While we’ve all seen and heard the adverts about payment protection insurance claims, the reality is that there are still thousands of people who haven’t claimed PPI. Many consumers were unaware that PPI was sold to them alongside a mortgage, credit card or loan. It’s so important to check old bank statements and find out if you’re due a refund. It could well be thousands of pounds; a substantial amount to boost your 2018 finances. Even if you no longer have the paperwork, you can still find out if PPI was added to your account.  Make your PPI claim today before it’s too late!

  • Sell Unwanted Christmas Gifts

Are there still some Christmas gifts at home which you know you won’t ever get around to using? Those bath salts from your secret Santa might be lovely, but you’re not really a bath person. Selling unwanted Christmas gifts is an excellent way to make some extra money and make sure the gift doesn’t go to waste. Using eBay or even Facebook to sell gifts can be a good boost of income and is very simple.

  • Cash in on Gift Cards

Instead of presents, you may have received some gift cards for Christmas. Some of these can be really useful, but, if you got a gift card for a shop you rarely use, you can cash it in online. Websites such as Zeek will show you various options about how to get cash for your gift cards. Although you’ll never receive the full price, the cash can sometimes be much more worthwhile than the card.

  • Switch Current Accounts

Years ago, the thought of switching current accounts was too much effort. Now, however, thanks to the Current Account switch guarantee, changing current accounts is swift and easy. Most banks are signed up to the switching guarantee, making it a painless experience.

The best part about switching bank accounts is the great rates that banks offer to entice you. Rates do change regularly and there are terms and conditions, so be sure to check on websites such as Money Saving Expert for the best deal.

So, why put off getting some extra cash in 2018? Whether you’re possibly due a huge refund from PPI claims or can sell £50 worth of unwanted Christmas gifts, making use of these finance-boosting tips can make a huge difference. Start making money today!

New Year, New You!

New Year, New You!It’s January again (can you even believe that Christmas is all over for another year?!) and for many of us, that means trying to quit certain habits or change ourselves in some way for the new year. I’ve seen lots of people talking on social media about things they’d like to change and I thought I’d share a few of them with you today in case you’re struggling for a bit of inspiration:

Quit Smoking

More and more people are swapping cigarettes for electronic cigarettes, which is a great way to stop smoking. There’s been a whole load of evidence emerging from the NHS and other government sources which are proving over and again that vaping is exponentially better for us than smoking, so even if you totally swap to an electronic cigarette and use that instead, you’ll be doing your health the world of good, and if you’ve got kids you won’t have to worry about passive inhalation. And if you don’t know how to vape, there’s a whole array of starter kits available to get you going.

Get Fit

I see a lot of people talking about “losing weight” by following certain diets, but I always find it makes me happy when I see people talking about getting FIT instead of getting slim. Obviously, if you’re overweight then losing weight by any means will make your body healthier, but cardiovascular fitness is so important and a lot of people don’t realise that it’s possible to be skinny but still unhealthy.

Take Time for Yourself

So often, us mums forget to take time for ourselves in amongst the daily too-ings and fro-ings of family life and it can leave us feeling totally frazzled and underappreciated. Making a resolution to take some time for yourself, being it reading a book, taking a long bath, having your hair done or something else, will give you a moment to focus on yourself rather than everyone else and can really help with your mental state and sense of wellbeing.

Stop Drinking

Dry January is becoming more popular every year, with lots of us feeling the need to have a rest from drinking after the excesses of Christmas and New Years Eve, but have you ever thought about quitting the booze for longer? Lots of parents admit to drinking a few glasses of wine almost every night and when you look at your weekly consumption it really adds up. We all know how bad booze can be for our bodies and going as long as you can without it could really do your liver a favour!

Have you made a resolution to look after yourself this year? I’d love to hear about it, so please leave me a comment below.

Ideas to make weddings more kid-friendly and fun

Kid-friendly weddingsMany couples prefer adult-only weddings and receptions, but many feel the need to include all the children in their lives and families. This is especially noticeable in the case of couples getting remarried. If you’re planning a black-tie function, then children probably won’t be invited, but if not, then most families have kids of all ages where weddings tend to become boring for the children present. Most couples getting married are very attached to their nieces, nephews, cousins, or even their own children. If this is the case with you and your partner, then it is usually a good idea to be prepared with a few kid-friendly provisions.

Katie from Orla James attended a wedding recently where almost all the invitations were sent out to couples with children. The wedding was planned around kid-friendly ideas that made it a fun event for the adults and children attending and many of the adults actively took part in playing with the children! This made the entire wedding a very loving, family-oriented event with the couple being blessed by adults and children alike.

Let us look at a few ideas to make weddings more kid-friendly.

Kids Meals:

There is nothing more important than ensuring there are kid-friendly meals available. Speak to your wedding caterer in advance and look at several finger food and dining options for kids. Avoid spicy foods and foods that can be messy to eat. With kids present, the idea is to have simple, yet tasty food. Have ample cheese platters, fruit platters, chicken fingers, and French fries. In drinks, opt for fresh juices, smoothies, chocolate shakes, and non-alcoholic drinks with funny names to make it more enjoyable. Avoid foods and drinks that might have an allergic reaction, and avoid keeping seafood on the kid’s menu.

 Have some activities planned:

Have an activity station or area cordoned off for kids so that they can remain occupied throughout the reception. If your event planner has some kid-friendly ideas for activities, incorporate those too. Keep an ample stock of non-toxic crayons, coloring books, story tales, and organized games like hopscotch and group games. You can also have a Lego station to keep kids occupied in a fun manner.

One couple also had a wedding themed coloring book made with outlines of their special dates for kids to color. You could also set up a ‘Kids Only’ tent with an attendant to ensure they are well taken care of. If possible, hire an entertainer and sitter to keep the kids busy throughout the ceremony and reception. This will help parents also enjoy the wedding without having to constantly look after the children.

 Give kids useful wedding favors:

Planning wedding favors for kids is always an impossible task. Most kids love getting gifts. Tie the wedding favors with little bows in colorful wrapping paper to make them look extra special. You can pot for little treats of marshmallows and gummy bears as wedding favors. If you want to avoid treats, opt for small board games, coloring books, non-toxic crayons, school bags, lunchboxes, craft kits, and so on.

 Set up special seating for kids:

Kids find it difficult to sit on chairs meant for adults. You could organize mini bean bags, small chairs, and tables. Speak to your wedding organizer about décor and seating arrangements for children. Many times, these services are also offered apart from regular table décor and decorations and seating arrangements. You could also include placemats with little puzzles to solve as table décor for children. Small word search puzzles, join-the-dots, and color by numbers, or mini quizzes are always great entertainment and fun for kids while being seated.

 Get the kids involved in your wedding:

Let kids know that they will be welcome on the dance floor during the reception and should let the DJ or band playing know what music they would also like to dance to. If you are aware of this in advance, you could include some kid-friendly songs in your music selection. You could also give them disposable cameras and tell them to take lots of pictures at the wedding so that you can add the best ones in the wedding album. Let the children also know that you will send them these photos later.

Whatever you decide for children’s entertainment at your wedding, make sure to budget for it in advance so that it does not seem like an additional cost. Making your wedding child-friendly is a wonderful way to include all your loved ones in your special day!

How to Save Money Faster: Three Quick Tips

Having some money saved up is undoubtedly the key to better financial security, and for many people, saving up is essential for making big purchases such as a new house, new car, or a dream vacation. Whether you’re saving up for something specific or simply want the added security of knowing that you have some cash stashed away for emergencies, saving money regularly is an excellent habit to develop.

However, putting money aside is not always the easiest, especially if you are struggling with high living costs. Thankfully, there are several smart things that you can do to help your savings grow faster. We’ve rounded up some top tips for faster and more effective saving.

Tip #1. Choose a High-Interest Savings Account

If you’re looking for a new account in which to put your hard-earned savings, then it’s a good idea to choose an option with the highest amount of interest available. As you pay money into your savings account, you’ll also be able to earn money on it. And, the longer that the money is in there, the more you’ll be able to earn. A higher interest rate means better earnings for you.

Some accounts, such as stocks and bonds accounts, will require you to lock the money away for a certain period of time, during which you’ll be unable to access it. However, you will be rewarded with a higher interest rate when your account reaches maturity. Follow the link for more information on choosing the best savings account.

Tip #2. Sell Your Old Stuff

One great way to make some extra cash to put into your savings account is to go through your old belongings and see what you can sell. Chances are, you have items in your home that you no longer have any use for, such as old clothes and shoes, DVDs, gadgets, video games, books, and even essential household items. If you’ve upgraded something such as your television or smartphone, then don’t just simply throw the old one away – you can earn some cash back for it on sites such as eBay or Craigslist that can then be put into your savings account.

Tip #3. Cut Your Monthly Expenses

If you’d like to be able to put more money away into your savings account each month, then the first place to start is by cutting down as many monthly expenses as you can and putting the extra money that you save away instead. There are many different ways in which you can ensure that you are spending less each month.

For example, you can actually save thousands of dollars per year by switching to taking a packed lunch to work, or preparing your own coffee instead of going to Starbucks. Check out comparison sites to see if switching could drive down your utility bills, and call up your cell phone network provider to ask about moving on to a cheaper plan if you feel that you could manage just as well with fewer minutes or data.

If you liked these tips, please let us know!


7 Types of Mattresses to Know About

mattressThe key factor to get a sound sleep every night is to choose a mattress that suits your body. There are various kinds of mattresses available on the market today, each with different characteristics and serving different benefits.

When you’re well aware of all the characteristics of a mattress, it will be easier for you to choose one that is ideal for you.

Here are 7 of the most commonly used mattresses to know about:

  1. Gel Mattress

This mattress contains foam coated with gel that is added to the upholstery layer. These mattresses are ideal to use where the temperature is hot. It is capable of absorbing body heat and restricting the mattress from getting hot. Thus providing a cozy, cool and a pleasant sleep all night.

  1. Memory Foam Mattress

One of the most widely used mattresses today are the memory foam mattresses. They are known to provide top notch comfort by curving into a shape that aligns with your spine. People who look for ultimate support, comfort and relief from backache should go for this type of mattress. However, on the downside, they are expensive and can overheat in summers as well.

  1. Innerspring Mattress

This mattress has a steel coiled system to provide support to the body. The number of coils inside a mattress can vary. The thicker a mattress, the better support it provides. There are additional layers inside as well that strengthen the foundation of the mattress and prolong its life expectancy.

  1. Hybrid Mattress

A hybrid mattress is also manufactured with a coil system inside with a slight change. It has additional foams combined to the coil system as well. These foams can include gel, latex, memory foam and polyurethane etc. In short, it’s a combination of a foam plus spring mattress.

  1. Pillow Top Mattress

This mattress is super comfortable with an additional stitched pillow padding to act as a pillow. The padding is made up of fiber that is soft and comfortable. This mattress is ideal for people who sleep on their sides as it is very soft and causes no pain.

  1. Airbed Mattress

There are air chambers in this type of mattress to provide you with great support. The best thing about this mattress is the ability to adjust firmness as per your will. In fact, you can have one level on one side and other on the other side, allowing both partners to set the bed according to their will. This customization option gives this mattress an edge over other mattresses out there.

  1. Latex Mattress

Since they are made up of a natural resource, sap, they are affordable and offer tremendous durability. This mattress is known to provide both support and comfort and is among the most demanded mattresses today. Also, this mattress is said to help reduce back and neck pain thanks to its comfortable sleep. Click here to know more about latex mattresses.

The Verdict

 These are 7 common mattress being used today. Make sure you do the research before buying one.

Get Your Bingo On This Christmas

If there’s one thing I love, it’s things which kill several birds with one stone. Take bingo, for example; as well as giving me a night to relax, a chance to see my friends, it also gives me a chance to win some money, which is even more attractive at the most expensive time of the year!

Bakers Dozen, Jump and Jive, Two Fat Ladies, what all these have in common? They’re bingo calls. They’re a vital part of a fun game of bingo, but some people have mastered the skill of knowing the call before the number… Do you?

The Bingo experts at bingo.paddypower.com have created a quiz to test your skills and see if you’re the one to watch at the next bingo game.

I must admit, the first time I tried bingo, I was AMAZED at how quickly the other people there were able to cross off their numbers. I started with one card and struggled to keep up, but there were ladies there who were able to scan ten cards at once and STILL keep up with the caller! I used to work in payroll and ticking numbers off is basically my main work-based skill, but doing a monthly NHS payroll of hundreds of nurses is NOTHING compared with how hardcore some of these ladies were. I swear, if they set up a date-input company, they’d be billionaires! I’m getting faster and more organised each time I go, but I don’t think I’ll ever be on par with some of the older ladies in there – unless I’m still going when I’m a pensioner, maybe!

I probably won’t have a chance to get to the bingo until the new year now, but I do sometimes play online – I set myself up with a glass of wine, my laptop, a roaring fire and I can have an amazing evening of fun and (hopefully!) winning without leaving my own home. What could be better than that?!

Do you play bingo? Do you prefer playing at home or does the atmosphere of a bingo hall do it for you? Do leave me a comment below as I’d love to hear from some fellow bingo lovers.

4 Key Reasons That End You in Debt

Most people scream and yell when debt overburdens them. The biggest issue is that they never realize why they ended up in a bad debt situation in the first place. To come up with a solution, it is important to eliminate the cause. Once you overcome the cause, only then you can bring back the financial stability in your life.

We will look at some of the reasons that lead to debt issues in the first place.

Causes Of Debt Piling Up

Spending beyond your means

The biggest reason most people out there end up with debt is overspending.This usually happens when you do not define your budget. When there is no planning and budget, then you are bound to be spending beyond your means.

Absence of insurance

There are times when you ignore the need for insurance. This is why you end up with a bad financial situation in the first place. If you have health insurance, then you can deal with the unexpected medical expenses coming your way. When you do not have health insurance, this can be catastrophic.

Same holds true for businesses. If they have insurance, they can deal with the unexpected financial issues.

 Medical cost

 Sometimes you have to undergo an emergency medical procedure. This is one more reason that you end up dealing with unexpected expenses and end up with debt.

 Having insufficient financial knowledge

When people do not have enough financial knowledge, they end up making the wrong decisions and end up with debt.

 Here it is important that we should look at the uncontrollable factors also that lead to a bad financial situation. Inflation is one of the key reasons. The cost of living goes up almost every year. This is why people have to go beyond their means to handle the living costs.

 Another issue is local taxes continue to increase. This is also another element that cannot be controlled by individuals.

The wise move on your part will be to adopt the proactive approach. When you notice that your debt has started to pile up, approach a good debt settlement company right away. You should not wait for the situation to get worse.

However, it is important that you should check out the reputation of a debt management company before you make your selection. The best way to check out the reputation is by looking at the reviews about the company.

For example, you can go through the cura debt reviews. Once you have gone through the reviews, the free consultation should be the next step. This way you will get the idea if the company holds the ability to handle your case.

It is also important that you should be honest and upfront about your debt issues. Otherwise, the company will not be able to assist you much. Discuss your concerns with the debt management company, and they will make sure that they present the most feasible solution that suits your needs by all means for sure.

Make sure that you take your first step towards debt settlement and you will contend with your move.