49 articles Articles posted in Adulting

How to Make Some Extra Cash Without Leaving the House

Photo by Suzy Hazelwood from Pexels

With Christmas a not-so-distant memory and most of us still feeling the ache in our wallets after spending an absolute fortune, many of us are starting to think about ways that we can make a bit of extra cash for the year ahead. If you’ve already got a full-time job, finding the time to earn extra money can be tricky, but there are lots of things that you can do which can give you a cash injection without you needing to spend hours and hours every day working on them. Here are five ways for you to make some extra cash in the months ahead, without having to leave the house.

Betting

If you’re looking for ways to have fun AND possibly make some money, bingo is now at Lottoland! It’s a great way to feel like you’re having a night out with your friends without having to leave the house and the possibility that you’ll make some cash makes it even more appealing. Grab a glass of something and some snacks and have a lot of fun in your own living room!

Selling Things

The beginning of Spring is a really common time for people to have a declutter, usually because of the influx of stuff from Christmas. While you’re decluttering, put to one side all of the things that you think would be sellable and list them on Facebook, eBay, Gumtree and other selling sites. A lot of these things, once they are listed, just simmer in the background, coming up with a sale every now and again, and it takes only the amount of effort to take a few pictures and post them online.

Check your Bills

Take a look at all of your outgoings on a monthly basis – things like mobile phone contracts, TV bills, and other services that you might subscribe to, and really think about whether or not you use them. If your Sky or Virgin Media contract is up, you may be able to call them to negotiate a better deal, same with your mobile phone contract. There are probably better off options out there which could be saving you a packet every month.

Quit the Gym

Just recently I realised that I haven’t been to the gym a single time in the last 12-months, what with everything being closed during lockdowns. My gym membership is only £9.99 a month, so it doesn’t exactly break the bank, but when you consider the fact that I’ve paid £120 for absolutely nothing, it can start to seem a little bit too much. Consider whether you’re actually getting your money’s worth out of your gym membership or if all of the things that you do once you get there could be done from home and you might end up saving yourself a small fortune by quitting the gym.

Meal Planning

One of the things that we absolutely terrible for in our house is buying food and leaving it to go out of date, before throwing it away. This year, I have decided that meal planning is going to be something which features a lot more heavily in our lives. I’ll be choosing meals for the whole family and buying only the ingredients that we need to make them. If somebody doesn’t want to eat what we’re having on that day, unfortunately that will be their tough luck because that’s what we’ll be having and that’s what I’ll be putting on a plate in front of them! I reckon this will probably save us a small fortune in wasted food not to mention will go towards stopping us being so wasteful.

Lockdown Stress and Ways to Deal With It

For many of us, life has gone back to normal in many ways. The kids have gone back to school, places are slowly starting to reopen and there’s a sense that things are getting better. People are learning how to stop worrying about the future. However, when I say “many of us”, I don’t actually mean me! Both kids are still home from school; in fact neither has been since 12th March 2020 and we’re homeschooling Sausage permanently from now on. Lockdown stress is still looming large!

We still don’t leave the house for anything other than shopping and medical appointments, we still wash all groceries and parcels that come into the house, still wear masks, distance ourselves from other people. We’re missing family like mad, but we just don’t feel like it’s worth letting our guards down just yet. Imagine isolating ALL THIS TIME and then catching COVID at the eleventh hour? I doesn’t bear thinking about.

Being indoors all this time means we’ve all needed to find our own ways to entertain ourselves and cope with the situation so that the lockdown stress doesn’t completely engulf us. For Sausage, it’s been all about anime, reading fan fiction, drawing and chatting to her friends. Burrito Baby has found happiness in reading Harry Potter and creating some epic worlds in Minecraft. Husband plays Call of Duty online and I’ve been listening to audiobooks, cross-stitching and baking to keep my mind off of everything.

With this in mind, I thought I’d share some tips for you to follow if you need help with avoiding stress, decompressing when you feel overwhelmed or just generally helping to pass the time if you’re still isolating at home:

Try a New Hobby

If you’re anything like me, there’s a list of things as long as your arm that you’ve said you’d like to try, but always punctuate it with “…but I never have the time!”. Well, I’ve never had MORE time than in the last 12 months and it shows – as well as the cross stitch and baking I mentioned above, I’ve done quilling, card making, sewing and a few other things besides. If there’s something you’ve been wanting to get into, there’s no time like the present!

Audiobooks

As well as taking full advantage of my free trial of Audible (which I promptly cancelled when my trial ran out!), my good friend Jeni recommended an app to me called BorrowBox. It’s available to anyone with a library card and allows you to borrow e-books and audiobooks, just like you would from your library, except it’s all digital. The app is absolutely free and there are no in-app purchases. The range of books can sometimes be limited, but I’ve managed HOURS of free audiobook listening with this app and I do love the escapism from lockdown stress that a good book can provide.

Declutter Your Life

Something I find INCREDIBLY cathartic and stress-relieving is decluttering, and this is one of those things that you can apply to various parts of your life. Whether it’s clearing out your kitchen drawers, tidying those cupboards that are just used for storing stuff you no longer use, organising the shed or garage or even going through your inbox and unsubscribing from all the newsletters and emails you never read. Clearing physical space is a really good way to help clear headspace and the knock-on effect of a declutter is huge for me.

Have you found something in the last year that has helped you through the isolation of lockdown? Are you like us and still doing your best to distance yourself from the world? Have you decided to permanently homeschool your kids once this is all over?

Leave me a comment below, I’d love to hear from you!

It Is Time to Set Clear Financial Goals

Before you get started on planning your financial goals, it is a great idea to check out one of the previous posts on debt if that is a specific area you wish to tackle:

Dead Set on Resetting Your Debt – it has great times for managing your debt correctly.

It is just as important to set financial goals for your business as it is to set them for the rest of the areas of your life.

Each person will have some financial goals that are personal to them. They might be because you want to save up for a particular thing, or it could be how you can begging to live a more comfortable life.

No matter what your financial goals are, it is important that you set them with the intention of making them a priority. From Forex trading to automatic saving. Every action you take has an impact on your goals. So make them count.

Photo by Lena Kudryavtseva on Unsplash

What are ‘financial goals for your business’?

Even if you are at the start of your business journey, you will need to have a plan to grow forward. You can use your mission statement and vision as a guide for the steps you will need to take.

Here are some examples of small business goals that you might consider:

Decreasing overheads and general costs

You might be using multiple online tools and platforms – but do you need them all? Make a note of all of your overheads and look to see where you can cut back. Decreasing your general costs will aid in the next steps.

Increase revenue

A decrease in your overheads will automatically see more money put back in the kitty. However, to truly increase your revenue you might want to consider how you can see a bigger profit.

It is key that you set solid numbered goals here.

Vague = to increase my revenue this year.

Solid = to increase my revenue by in the first two quarters and then even more for the last two quarters.

Ideal = to increase my revenue by $250 dollars a week for the next 6 months, and then by $500 for the following 6 months.

It is important to remember that your financial goals can be much more or much less than this. Be specific.

Cashflow planning

If you are still guessing your income and outgoing, and then checking your bank at the end of the month you are doing yourself a disservice. You should be the king, queen, and master of your cash flow.

Make it a priority to sit down and look at your income and outgoings correctly.

If a cashflow just makes you shudder at the thought, then check out the following:

How to make a cashflow forecast

And you can even get some great templates on Microsoft Office (for free) too: Check out these cashflow templates.

Running a business isn’t just about doing what you love, although that should be the biggest part. It is also having firm goals that can help your business grow, and you to prosper too.

Business Ideas for the Busy Mum

Business Ideas for the Busy MumAs a parent, you want to ensure your children have the best, whether it be food, clothes, toys, furniture, or leisure activities. Alongside this, bills still need to be paid, and all of the above can cost money.

To be able to manage this, you may want to consider taking on some work. For some, getting a traditional job may not be a possibility, especially with very young children to look after. This is where working for yourself can tick some of those boxes. This can give you the freedom to earn your own money, around a schedule that suits you and your prior commitments to your family.

Also, keep in mind that when you have found a selection of clients for your product or service, you may need an invoice template to be able to request payment on completion of each project. Always use the tools available to you online (click the link) to make your working life easier – you have enough to juggle already parenting and building your business!

Writing

If you have a gift with the written word, you may want to consider taking on some jobs involving the writing industry, such as writing articles, aiding with literature, and, if you understand another language, translating text. These jobs can be found on both job sites and social media, and can quickly give you some money to play with.

Since many writing tasks will have a day and time deadline, as opposed to requiring a certain amount of work to be completed each day, this means you can adjust the amount you are willing to work based on the hours you will be available. For the busy mum, that may be while children are at school or even when they are in bed.

Baking

Some mums find they spend a lot of time in the kitchen, either preparing meals or baking alongside their children. For those who are confident in their ability to produce some delicious goods, selling them may be an option.

Within this, you may be required to complete food safety qualifications, as well as to obtain business insurance. It may also be a requirement to display a list of allergens and ingredients on the boxes to avoid any illness occurring.

If you have a passion for baking, this can definitely be a good step forward for you.

Crafts

Some women love crafts, while others hope it can be banished from their home. If you are the former, you may want to consider creating items either in bulk, or made to order, to sell to the public. Many people sell their homemade crafts on websites such as Etsy every day. You can factor the cost of materials, as well as the time it takes to make the item, into the price, and potentially make a good income from your artistic nature.

Working for yourself from home can be extremely rewarding, especially if it means you get to simultaneously earn money while raising your children. Depending on how much you earn, you may need to declare this to the tax office, and pay any tax or NI contributions, as necessary.

Helping Children Through a Divorce

Helping Children Through a DivorceIf two people no longer wish to remain together, that is their business. Divorces can, at times, be messy and complicated. A couple who once felt nothing but love and admiration may now only feel resentment and spite towards their former other half. It is known for individuals to get hurt quite often during the divorce process. 

Yet, in all this, it can sometimes be the children who bear the brunt of the pain of their parents’ lost love. Child custody rights when filing for divorce can be one of the issues that causes the most friction, particularly when children are made to feel like they must choose between one parent or the other.

Whether you are one of the parents, a relative, or even a family friend, there are multiple ways in which you can help children get through the divorce process with as little trauma as possible.

Offer to Babysit

If you are an outsider in the divorce, looking after the child while the parents are at a mediation, or in court itself, can take a weight off of everyone’s shoulders. This way, children do not have to be exposed to the divorce process, and parents can take some time to decompress afterwards to limit the amount of emotional strain that their children are exposed to.  

Fun activities during this time can also help to take the child’s mind off of how their world has been disrupted, which can be great for their wellbeing. 

Open Conversation

Communicating with children can be key. Their parents may be struggling with their own emotions and stresses and, therefore, be less available to the needs of their offspring. This can be a crucial time for other trusted adults to step up and be there for these vulnerable young people. Building trust and opening communications regarding the children’s thoughts and feelings can help them to work through their feelings in a safe and healthy way. 

Keep Bickering Away

If you are the child’s parent, you may be concerned about how your upcoming divorce is affecting them. One of the crucial ways of limiting their distress is to avoid discussing the divorce around them. Likewise, ensure that you and your former partner do not speak ill of the other around the children, as this may put them in an uncomfortable position. 

Unless there is a legitimate reason for doing so, such as a parent threatening or endangering the child, there is also no reason that they should be privy to the real reason behind the divorce. A child does not need to know about any adultery, or other marital issues, and relationships between both parents and their children should be maintained wherever possible. However, you shouldn’t just brush it under the carpet – explain to them what is happening in the simplest form and ensure they know it’s not their fault.

Going through a divorce can be stressful for anyone involved, but it is crucial that children are protected from as much of the emotional turmoil as possible. Likewise, it is key that they are reassured, as often as they need, that they are not at fault, and that they are loved. 

4 Practical Tips for Hosting a Teen Party at Home

4 PRACTICAL TIPS FOR HOSTING A TEEN PARTY AT HOMEHosting a teen party at home is both fun and challenging. Fun because it is your teen’s party. You want this to be memorable for him and his guests. On the other hand, it is challenging (on your part) because of the planning and the after-cleaning you must do, especially if you hosted a large crowd of youngsters.

Here are practical tips to consider before hosting one for your teen.

Use visual effects

Visual effects like lasers and mood lights can add more life to the party and you can rent them, risk free, from a company like dj finance. It can lend a disco party vibe. On the other hand, smoke machines are also a fun addition to any party. These machines can enhance your lighting effects. You will have an instant light show that will stun your guests. Do you know that bubble machines are not for kids only. Liven up your party. Floating bubbles paired with lasers and colored lights will produce a stunning effect. Consider giving out non-toxic, multi-colored glow sticks among your guests. It is a cheap visual effect that is handy and glows for about six hours of use.

Keep guests outdoors

While it may look rude to prevent guests from entering your home, keeping guests out, and planning for an outdoor teen party may still come out more practical than ever. The pros far outweigh the cons. You do not have to worry too much about after-party cleaning and scrubbing. You save your couches and carpets from possible spills that can leave heavy stains. It costs more to steam-clean furniture than to pick up trash from the garden or mop the garage or patio floor.

If you are hiring party services like photo booth rental ny, you will have to disclose that you are planning an outdoor party. In this case, they will require clients like you to ensure that the booth is under a shade. They may also offer an outdoor canopy as added protection. Some are specifically made for outdoor use and are waterproof. It is best to choose this type of equipment. Ask installers to put it in a pretty obvious area. It will avoid the need to announce or remind guests to have their photos or selfies taken.

You might want to hire a portaloo to ensure that all guests don’t have to go into your house to use the bathroom. However, if you have a bathroom that’s accessible to guests without necessarily passing through your main living area, you do not have to rent one.

Friends or neighbors might have a garden marquee or party tents that you can borrow for the night. It will save you unwanted stress in case an unexpected drizzle happens on the night of your teen’s party.

Holding your teen’s party outdoors can be both fun and stress-free, especially after the last guest has gone. You don’t have to worry much about cleaning or accidental damage to indoor property and accessories.

Regulate background music

Parties aren’t complete without background music. Let your teen choose the music he would love to hear playing during the party. Most teens love alternative or classic rock music. While he will love to play them all aloud, you must remain considerate of your neighbors at the same time.

Know when to play music at its peak and when to tame it. Usually, you can have it downplayed when everyone is seated and conversing. When making a short speech or announcements about food and drinks, have the music turned to a low volume. Turn it to high once the guests are ready to hop in on the makeshift dance floor.

Discuss entertainment options

Get your teen involved in party planning. If your teen is a movie buff, why not help him download movies of his choice or those that he thinks his peers will enjoy. Of course, you are there to screen his movie choices. Ask for a list and assist him by compiling them. It won’t hurt to filter the list if you think there is inappropriate content in one or two movies he selected.

Does he love indoor games? Why not put up a dartboard. Bring out your pool table or card table. The party could look like a mini pub. Include pizzas and snacks to complete the pub ambiance.

If he is fond of music and loves to listen to DJs, offer to bring one in. There are a lot of disc jockeys you can hire if you are around New York. Ask him to search for dj buffalo. It is cool to be around while he is surveying the list. Remember, stay, and get involved. He will appreciate you hanging around and making yourself available when he seeks your opinion on which ones to hire.

When hiring a DJ, expect him to give you a rundown of the types of music that are appropriate for your teen and his guests. You may also suggest titles from your son’s list. Ask the DJ for a list of his collection of music. A professional one will have a ready playlist and keeps on updating it. He knows which music is trending with teens and young adults. DJs often ask for playlists not only from the celebrator before the party begins but from guests too on the day of the event.

Hosting a teen party can be exciting. Your teen won’t be young forever. Let him experience a fun night with friends. But remember that you too have to be practical. These tips will help you come up with a fantastic party without stress.

Make More Money Online as in 2020 with These Stunning Hacks

There are a lot of things that play a massive part in helping you to make more money online these days. It is so important to make sure you come up with some excellent ideas that will help you to make more money online. There are a lot of things you can do these days, and you are going to need to focus on helping you to make as much money as you can these days.

You have to think about some of the best ways of allowing you to bring in additional revenue, which is essential in this coronavirus era when people are losing jobs and not being able to work. Focus on some of the most effective ways of being able to make more money, and these are some of the best ways of being able to do this right now.

Pixabay.com

Sell Antiques

One of the great ways of being able to make money online is by selling antiques. Now, of course, you need to buy them first so that you can sell them on for a profit. You have a lot of things you need to work on when it comes to making a profit this way. Now there are plenty of tips to buying antiques online, but this is something that you need to be careful with so you are not losing a lot of money buying fake antiques.

Dropshipping

Dropshipping is one of the most effective ways of making additional money, and this is something that you don’t need any qualifications to be able to achieve. Try to make sure you work on the best and most effective ways of dropshipping – this is similar to ecommerce, except that you don’t take delivery of the items, instead having them shipped directly to the customer. You can make good money from dropshipping, but it is certainly time-consuming, and this is something you need to keep in mind.

Blogging

Blogging is a great way of being able to earn additional money and revenue, and this is a great way of generating additional money. Now, there are a lot of things that you can do when it comes to creating and managing a blog and monetizing the blog is one of the best ways of being able to do this. Make sure you look for some of the best ways of being able to make money as a blogger, and this is an effective way of being able to make the most of this.

Ebooks

If you are looking for some excellent side hustles that you can use to make money from home, and one of the key ways of being able to achieve this is writing ebooks. Amazon Kindle has made the ebook world explode, and you can enjoy self-publishing your own ebooks very easily. Trying to get a few ebooks published at the same time is a good way of being able to generate a bit of additional income.

These are some of the best ways of being able to make more money and raise additional funds online right now. You have to make sure you do as much as possible to work on bringing in more money, and this is one of the key things that you are going to need to work on right now. These are going to help you make more money, and this is essential for you to work on as much as you possibly can.

SMOK Novo X Pod System – 5 Reasons to Switch

SMOK Novo X Pod SystemRecently, I was asked to take a look at the SMOK Novo X Kit. I’ve been vaping on and off for a couple of years now, and the whole thing has been a learning curve. I started off with a ‘cigarette’ style vape which was preloaded with e-liquid, but this type didn’t seen very friendly to eother my purse or the environment, so I switched to a different model with a refillable tank. Eventually, I worked my way up to a larger model with a bigger battery, and that’s what I use most of the time.

Today I thought I’d share 5 of my favourite things about the Novo X Kit with you.

The Look

I know this is rather a superficial note to begin on, but I must say, I’m a little fussy about what my vape looks like. There are some lovely ones out there, and there are also some rather bonkers ones on the market, too! I don’t like my vape to be too massive, but the SMOK Novo X is a really pocket-friendly size which feels good in the hand and comes in several pretty prints.

The Feel

As I mentioned about, the SMOK Vape Kit feels really good in the hand, which is thanks to the sleek finish, shape and the weight of the device. It weighs just a touch over 50g, which means you can barely feel it in your pocket but it still feels sturdy enough when you use it.

The Draw

Obviously, one of the most important things about a vape is the draw (or how it feels when you suck on it, to those of us who don’t speak ‘vape’!) “The MTL coil can perfectly restore the flavor and throat-hit by adjusting the degree of flavor restoration. And that’s exactly the mouthfeel you want. In addition, Novo X pod uses an optimized internal structure, with a two-way U-shaped airflow channel, to greatly increase the air inflow and produce ultra-smooth vapor with a comfortable throat.”

The Battery

Is there anything more frustrating for a vaper than getting out of the house and realising that your battery is alost dead? I’ve been on nights out before where my vape has died and it can really put a daper on the evening. The Novo X has a large 800mAh battery which will give you hours of usage without needing to top up the charge.

The Price

Probably one of the ost important factors when choosing a vape is the price, and what your budhet is like going forward. Many vapes require all sorts of new parts and maintenance on top pf the cost of e-liquids and charging, so it’s important to work out if the overall cost of the odel you choose is sustainable. SMOK Novo X costs less than twenty quid for the vape, and the convenient replacement pods come pre-assembled so you never have to worry about buying and cleaning separate coils. Follow the link for vapor sales online.

Cutting Costs On Owning Your Home

If you’re someone who owns your own home, and you’ve recently been able to afford a mortgage and find the perfect place to settle into, now’s the time to ensure you’re cutting as much of the costs as you possibly can. Because home ownership and management is one of the most expensive things in life, and being able to save as much as you can is integral to living happily and healthy in your new home. So, without further ado, here are some of the most legitimate and effective ways to cut down the costs of owning your own home. 

Owning your own home

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Know Your Mortgage Rates

How much are you putting towards the mortgage, on a monthly basis? Because it might not be the best deal for you! Tracker rates are often much better than standard variable rates, and knowing the difference between the two, before you settle into a mortgage (and for switching afterwards) is key to saving money on your own home. 

So, your mortgage rates might be off the charts right now, and that’s not fair to you, and it’s not very productive for your household. Make sure you know about what you’re paying, whether it can change, and how much money you could save because of this change. 

Get the Right Insurance

Insurance is key to saving money on your home, especially if something breaks, goes missing, or there’s a security risk. And in the modern day and age, these are all big concerns, so you’re definitely going to need a good policy or two to keep you on track. 

Property insurance, car insurance, contents insurance, etc., are all viable types you’re going to want to look into. But, if you want to properly get to know the kinds of insurance you’re going to need, be sure to click here for more information. Maybe it’s time to change your policy, or get a better rate, or take out your first line of insurance before something goes wrong. 

Get to Grips with DIY

How do you feel about your DIY skills? Because you’re going to need them to save money on managing your new home! Overall, DIY is always going to be useful to a homeowner. You’ve got a lot of maintenance and repairs to keep up with, and when you’re paying upwards of £700 per year to keep your house in good shape, you should think about learning how to carry out basic skilled jobs yourself. Indeed, there are plenty of projects you could be getting on with right now, and each of them save a bit of money. At the end of the day, the pennies really do add up. 

Cutting costs on owning your own home doesn’t have to be hard. You just need to do a little research, make some preparations, and don’t be afraid to ask questions! Switch when you need to, push for better rates, and make sure you’ve got a tool belt to make some good use of. 

5 Reasons You Need to Hire a Family Lawyer

If you have not hired a family lawyer and you think you might not need one in future either, then you may want to reconsider that. Life is unpredictable, and you can suddenly find yourself standing in a place you will require some help from a legal counsel. Having a family lawyer on your side is always a good thing. People go through numerous ups and downs in their life, and having a lawyer that you trust around you in such time is no less than a blessing. People hire family lawyers for numerous reasons, let’s take a look at the most common ones:

Preparing A Will or Trust

No one likes to think about their death, and it is ok to do that because living in fear of death hasn’t done any good to anyone. However, death is inevitable, and there are some decisions we must make before our time comes. Not everyone is lucky enough to plan their finances before their demise. So one must appreciate the chance and do it as soon as possible. You don’t want your family to go through the hassle of courts or internal conflict when it comes to asset distribution. A family lawyer can help you devise a will that they will share with your family after your demise. That way, your family doesn’t have to worry about anything, and everyone will get what they deserve.

Divorce

When it comes to divorce, it mainly depends on the couple how they handle it. Some couples agree on things mutually, but and some just cannot find common ground. In the latter scenario, things can get ugly sometimes, and if you don’t hire a lawyer early on, your case can become weak. Things like assets distribution, child custody, and child support can become an issue in court and can drag on for years. Having a skilled attorney on your side will make sure that you get what you deserve, and no one gets wronged in the entire process.

Child Custody

Divorce will lead to a custody battle between you and your ex, and things can get uglier here. Most people don’t like to believe it, but when it comes to this kind of situation, your ex-partner will do everything they can to make sure that they get more custody then you. In fact, in some cases, people even go for full custody and try everything they can to make sure that you don’t get to see the child as often as you like. In such a case, a family lawyer can really help you take control of the situation.

Family Building

Whether you are planning to get married or are thinking of adopting a child, a lawyer can help you build your family as well. When you are getting married, your lawyer can take care of your prenuptial agreement and can make sure that both you and your spouse are making the right decision. Also, if you want to do the noble deed of adopting a child, you will need your lawyers to help. Adopting a child involves a lot of paperwork, and you have to go through a screening procedure. Your family lawyer can make sure that your application for adoption gets approved.

Finance Protection

If you are someone who deals with financial risks regularly, then you will need a lawyer on your side. The business world is risky and dangerous, and one wrong move can put you in a situation of losing everything you have worked so hard for. Having a lawyer by your side when you are making crucial business decisions can do you a lot good.