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Alternative Ways To Prepare For Retirement

Securing your finances before you retire is incredibly important. If you finish work and you don’t have enough cash backed up, you’re going to struggle and you won’t be able to enjoy your later years. The obvious way to set yourself up for retirement is saving and putting into a pension. The thing is, that doesn’t actually work for a lot of people. More of us are finding that we just don’t have enough to get by on when we retire, regardless of how much you’ve been trying to save. The problem is made worse because there is too much of a focus on saving and not enough information on all of the other alternatives. If you’re worried that saving might not be enough, try some of these alternatives instead.

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Clear Debts

Even if you’ve saved a healthy amount of money, it won’t be enough if you’re plunging half of it into debt repayments. You’ll soon eat through your nest egg and be left with nothing. People often neglect debts in later life because they’re trying to put their money into savings instead. I can see the logic but there’s no point saving money that you’re just going to have to spend later. While you’ve got the money coming in, clear off those debts before you start looking into savings options.

Investing In Gold

When you’re trying to make the most of your money, investments are better than just putting it into a savings account. Instead of seeing small growth from interest, you’ll see a bigger return on those investments. There are plenty of places you can put your money but a lot of them are quite risky. IRA’s are a popular choice for retirement funds everywhere but they put your money into stocks and shares. You can see a good return on that but it’s also susceptible to market fluctuations. A good alternative is a gold-backed ira because it’s far less volatile. If the market crashes, you don’t risk losing any of your money. There are obviously going to be price fluctuations in the gold market but they won’t be anywhere near as drastic as the stock market.

Move To A Cheaper Area

When you’re really struggling to save up money for retirement you should think about the area that you live in. If the cost of living is incredibly high, you might not be able to afford to stay there with the money that you’ve saved. However, if you moved to a new neighborhood with a lower cost of living, you might find that it can sustain you. People don’t usually like this idea because they think it means living in a bad area, but you don’t have to downgrade that much. It’s worth living in a slightly smaller house if it means you can go on more vacations.

Trying to save money where you can is still a good way to prepare for retirement, but you should start as early as possible. Just remember not to rely on those savings alone, try some of these alternatives as well.

5 Ways To Make Money Online – Today

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The internet has opened up a pandora’s box of ways to make money online. It has also opened up a minefield of get-rich-quick schemes and scams. These unscrupulous schemes are often accompanied by extremely clever marketing aimed at making you part with your own cash, so that you will make oodles of money in return!

So how do you know what is legitimate and what to avoid like the plague? Luckily for us the internet offers masses of information. At the touch of a button you can read thousands of reviews on businesses, opportunities and  schemes, albeit positive or negative. Try googling any opportunity you are considering accompanied by the words “is it a scam?” and see what the search engine reveals.

There are however many resources and legitimate ways of making money online. Some of which are listed below.

Websites

Websites will often pay you to take surveys, test products and shop. Businesses and brands are constantly researching whether they are offering the best service and products to their customers. This is where you come in, acting as the customer and providing feedback. Examples of such website are Swagbucks and InboxDollars.

There are also websites that allow you to advertise your own services and get paid. They are similar to bidding sites, but are services rather than products. Perhaps you sell art, provide graphic design services or design logo’s as a hobby that you could promote and sell.

Freelance writing

There is a lot of opportunity on the internet for freelance writers. Think of all of the websites you see need content writing! Freelance writing can be profitable, but you will need to build a portfolio to showcase your work, be prepared to work hard. It maybe a good idea to join Linkedin as a networking platform.

Selling unwanted items

There are many online selling auction sites and they are extremely popular and successful. When listing your unwanted items, your item has a huge international audience, which increases the chance of it selling massively in comparison to a standard website. Ensure that your unwanted items are shown to their best ability by excellent photo’s and descriptions. Make sure you pack items well and post within timescales.

Online trading

Anyone with a computer and a small amount of capital can invest and trade in the global market. However, this is not without a large amount of risk, if you don’t have the knowledge on how to trade effectively. Thankfully there is help on the internet  here, which will help guide you through steps on how to make money with global trading.

Work from home

There are now many opportunities which allow you to work from your own home. Virtual PA’s are one popular role as is administrative assistant, writer and filmmaker. As long as you have an internet connection you have the potential to fulfill these roles remotely and also flexibly as you are not constrained to the usual 9-5 office hours. You will of course need excellent time management skills, to avoid distraction and stay on task!

The Pros And Cons Of Borrowing Money

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There will be a time in everyone’s life when you want or need to buy something, but don’t have enough cash to do so. When this time comes, you usually have two options; You can either not buy the thing that you wanted/needed to buy (or buy it later, when you have the money spare), or borrow the money from someone. If it’s an emergency or you’re really impatient then borrowing, whether it be from a loved one, the bank, or an online lender, will probably seem like a great idea. However, there is a lot to take into consideration before you borrow money from anywhere. Here are some pros and cons that you should know about.

+ Covers Emergencies

There is always a chance that something can go wrong in life, and sometimes, money is required to fix this problem. It doesn’t matter if you’re boiler has just broken, you get an unexpected bill, or you’ve just run out of money if you need money quickly then applying for cash loans online is usually the first thing that you think of.

– It’s Not Free

Everything comes at a cost, and borrowed money is no exception. When you borrow money, the interest rates can get incredibly high, with the late payment fees being even higher, so you need to be sure to make payments when they’re due and read all of the small print before applying. Even loved ones sometimes add interest to money you’ve borrowed, but, even if they don’t, if you can’t afford to pay the money back, the strain on the relationship is a high cost to pay.

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+ You Can Make Large Purchases

Unless you have a large amount of money saved, there are some purchases that you simply can’t make unless you borrow money. A house, a car, and business premises are the biggest examples. Your regular income wouldn’t be able to cover the cost of these things, but you can still buy them if you borrow money.

– You Might Not Be Able To Pay It Back

As I’ve already mentioned, there is always the chance that something can go wrong. Unfortunately, if there is an emergency, or you got paid less one month, you might not be able to make a payment, which means that a late payment fee might be added to the loan. If this happens a few times, the debt could get so big that you just can’t pay it back.

+ Opens Doors And Opportunities

Borrowing money isn’t always ideal, but sometimes, it is exactly what you need to improve your life one way or another. Buying a car would mean that you can travel further for work, which means that you might be able to get a better job. You could even take out a loan to start your own business, which could prove to be incredibly successful.

People borrow money for all sorts of reasons, but you should always make sure that you’re borrowing for the right reasons, and that you have the cash to make the repayments.

Managing Your Business’ Money

It’s hard to make any business successful, no matter how good the product, employees, or brand. One way to increase your company’s success with certainty, however, is to improve your financial management skills. Making money isn’t the key to success for a business; it’s all about what you do with that money. Spend your profits poorly and you’ll fail to reach the peak your business has the potential to reach. If you want to increase the amount of money your organization has available to invest in improvements then here’s some advice on managing your company’s finances more effectively.

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Make a budget.

To improve your business’ financial management strategy, you need to start off by making a budget. As will be discussed throughout this article, the goal is to cut costs in your business. You can only do this once you have an idea of how much money your business is spending and making. You need to track your expenditures and ensure they fall within your budgetary limits; essentially, you can’t spend more than the funds you have in the business account. But the goal should be to spend less than your monthly earnings so that you have more money to invest in the business and your funds aren’t slowly decreasing.

Do some research into financial management.

The best way to manage your business’ money is to be your own financial advisor. You might have professionals on board who can help with this sort of thing but learning how to manage your business’ money, as the boss, is always a smart idea. That’s most likely how you ended up on this article. Of course, whilst reading this article is a good start, you might want to go one step further. You should do your research into smart financial management strategies.

As a starting point, you could consider getting qualified with an online BBA in accounting to gain expertise in financial accounting. You’d gain the knowledge necessary to start a proper career as an accountant if you wanted; you might not even need financial advisors if you go far enough with your studies. The point is that financial management is about more than budgeting. You need to understand how money works in a business environment; ethics, marketing, research methods, and managerial accounting are all things you need to come to understand.

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Improve your company’s operational costs.

If you want to save money in your business then look at the production process and the cost of running the office. For starters, the better you train your employees, the more they’ll achieve in a shorter space of time. In other words, the salary you pay them will go further. Of course, cost-effectiveness extends beyond the people in your company. You should strive to become more eco-friendly to slash operational costs. Insulating office walls and getting double-glazed windows will reduce the amount of energy needed to heat the office and save you a lot of money on utility bills. Reducing paper usage is another eco-friendly improvement that you should definitely consider; everything’s digital in the modern age and you won’t have to spend so much money on constantly restocking paper. Of course, you shouldn’t reduce operational costs at the expense of quality.

How To Manage Tough Workplace Situations

Just like in the playground, the workplace can also bring about some tough situations. While confidence comes as you get older, it can still be difficult to find your voice and speak up – especially at work. Get advice on how to manage tough workplace situations below and start speaking up for yourself at work.

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Not getting credit for your work

When you work in a team, it can be difficult to let your individual efforts shine through. It’s a tricky one to manage – you don’t want to come across as petty, but you also want to make sure that you get the credit you deserve. There are different ways you can handle a colleague who takes credit for your work. One suggestion is to conduct an evaluation at the end of a project outlining who was responsible for what, what the outcomes were and what lessons were learnt will help get your point across in a subtle and fair way. Discuss your efforts with your boss and make it clear what you did.

Dealing with the workplace bully

Some people never grow up. While you might have dealt with bullies in school, you might find yourself dealing with them at work too. A workplace bully can make your work life miserable, making you feel intimidated or even upset and scared to go to work. You can try confronting them – but that’s not always an easy task. Talk to colleagues about what you’re feeling or speak to your manager or HR representative about the situation. Encourage your boss to put initiatives in place for identifying and solving bullying in the workplace as a way to curb the behaviour across the organisation. You shouldn’t have to tolerate workplace bullying so make sure you talk to someone to help find a solution.

Having difficult conversations with your boss

If you’ve been looking for a promotion or a pay rise, then having that conversation with your boss can be difficult. The best way to manage this is to prepare in advance. Put forward a persuasive argument highlighting your achievements, any additional responsibilities you’ve taken on an how you see your future at the company. Arrange a meeting with your manager and have an honest conversation. Do some research on how to ask for a pay rise and make sure what you’re asking for is fair and reasonable.

Making friends at work

If you ever moved schools as a kid, you’ll know what it’s like to be the new person and find some people to connect with. Starting a new job is never easy, but it will help you settle in quicker if you can make some friends. Invite some colleagues out to lunch or coffee, and ask to join them at their table when you can – most people will be happy to accept a new addition to a group.

Navigating relationships in the workplace is one of those things you can help to prepare your children for as they get older. Get more useful advice to teach your children about careers and managing their finances here. The more you can teach them at a young age, the more confident they will feel when they enter the world of work.