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Saving Up or Paying Off Credit Cards: Which Is More Important?

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The average credit card debt these days is about $16,000. That’s a lot of debt to have hanging over you and you want to pay it off as soon as possible. The longer you take to clear it, the more money you’ll end up paying out in interest payments. So, if you have any extra income, you should be putting it all into clearing those debts, right? That’s one way to do it but if you’re paying all of your extra cash onto credit card debts, you won’t have any to put into savings. It’s important to have a healthy savings accounts for a lot of different reasons. If you get hit by any unexpected payments it’s very useful to … Read more

What You Need To Know Before Applying For A Mortgage

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What You Need To Know Before Applying For A Mortgage

At some point in your life, you may find that you’re ready to buy a property. But, it can be quite a big decision to make. Buying a house isn’t a small purchase, so it will always require a lot of careful thought and planning. And of course, money! Unless you have an enormous budget, it’s highly likely that you’re going to need to apply for a mortgage. And the process of doing that itself can often be quite complicated – especially if you’re not that well versed in all things finance. So, you’re going to want to ensure that you get to grips with the things you need to do and have in mind, just to make sure that … Read more

The Best Tangible Assets You Can Invest In

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A lot of investment advice focuses on the stock market or other investments where it can feel a bit like you’re sending your money off into the ether. You might be able to watch their performance, but you don’t exactly have something you can look at and hold. Some people much prefer to consider physical investments, that give them something tangible. Not only can they keep track of its value, but they can also hold it, touch it or even stand inside it. These investments can include anything from real estate to fine jewelry. Deciding which of these is best to invest in can be difficult, but here are some popular choices. Land and Real Estate Real estate has to … Read more

Are You The Leader Your Business Needs?

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Are You The Leader Your Business Needs?

When you’re a business owner, you’re probably going to need to wear a lot of different hats. You’re going to need to be the one who can see the big picture, the one who is aware of the financial side of things, as well as the one responsible for the direction of the company as a whole. But there’s one hat that doesn’t always sit well on many business owner’s heads, and that’s the hat of a leader. After all, just because you’re the kind of person who wants to set up their own business doesn’t necessarily mean that you’re the kind of person who can lead an entire team as effectively as possible. However, like it or not, a … Read more

The Best Ways to Make Money from Home

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How to make money from home

Making cash from home is something that many of us dream about. Especially if you’ve got children and childcare to work around. A lack of flexible working can leave many families struggling to make ends meet. Or having to work in undesirable industries to ensure their working hours fit around childcare arrangements. But, you can make money from home. For anyone with a family or other commitments, and even those that just want to work for themselves and have a little more freedom, working from home can be the ideal solution. It’s certainly something that appeals to many. When considering your work from home options, it’s important to realize that they aren’t the same as they would have been a … Read more

Frugal Ways to Stretch Your Money this Christmas

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Frugal Ways to Stretch Your Money this Christmas

We all know that Christmas can be an incredibly expensive time of year. Not only do you have gifts for all the family to buy, but there is also a lot of food to purchase for Christmas dinner. Replacing old decorations can also end up quite costly as well. Lots of families find that the festive season can be a huge drain on their bank balance, and it can often leave them with some debt to pay back in January. Thankfully, though, you don’t have to get yourself into debt this festive season. In fact, there are plenty of ways you can be smart about all your Christmas shopping and food purchases so that you can stretch your cash as … Read more