fbpx

The Benefits Of Buying Second Hand

January 31st, 2020 Posted in Money Tips
No Comments

Purchasing second hand items can have a lot of benefits to you and the environment. People sometimes have reservations about buying things second hand and would prefer to purchase brand new. There are sometimes risks involved, but with a bit of time spent researching, you could end up with a good deal. As buying second hand becomes an option that more and more people choose, let’s look at some of the benefits of purchasing your items second hand:

The Benefits Of Buying Second Hand - rustic handmade second hand sign
Pixabay

You can save money

The price of a product is a big thing that we consider when we are buying something. The value of something that you purchase brand new depreciates quite quickly as more and more newer things are made. This means that you can when you buy second hand, the items you want can be significantly cheaper. Sometimes you can even find better quality items that you wouldn’t have been able to afford new because they cost somebody else a lot more money for the first time around. 

If you are starting a business, you can reduce your start-up costs by finding the items second hand. If you like to buy clothes, but want to save money, purchasing preloved clothes will allow you to still buy clothes, just with a smaller price tag.

It is better for the environment

Climate change is an issue at the forefront of everyone’s mind, and buying items second hand is a great way to do your bit to help the environment. Buying second hand is an excellent way to purchase items that would have otherwise been thrown away and ended up in landfills. 

Buying new items can also be harmful to the environment because of the processes that they have to go through. A lot of energy and materials are used when manufacturing, transporting, and packaging new items. Many of the items and packaging that is produced will end up in landfill as they cannot be recycled. The amount of waste that is produced is astonishing, and there is an unnecessary amount of products produced. Shopping for something second hand, will help to reduce the demand for new items and eventually reduce the production of new things.

You can get quality items

Just because an item is second-hand doesn’t mean that it isn’t excellent quality. In fact, you may end up purchasing something that is better quality than you could have afforded new. That is because once an item is used, it will no longer sell at the same price that it was bought for brand new, it will always be cheaper. If you buy your items from reputable places, like charity shops, you will be able to guarantee that the thing will work because they will usually test and clean them before selling them. There is even the option to buy things from auction houses or online. 

Buying a car second hand from somewhere like Wolverhampton Used Cars will allow you to buy a reliable vehicle that has been checked. To ensure it stays in good condition, you will have to keep up with maintenance and repairs. As long as you are willing to look after an item, instead of throwing it away at the first sign of a problem, you will have something that could last you years.

http://credit-n.ru/credit-card-single-tinkoff-platinum.html
, ,
Read More

Fun, Flexible Ways to Earn Some Extra Cash

January 31st, 2020 Posted in Money Tips
No Comments

Looking for fun, relatively easy ways to make a bit of extra cash? Here are three ways that it can be done, depending on your situation and interests. 

Start a side hustle

This day and age, where it’s perfectly possible to make money from your own home in a flexible way, everyone should have a side hustle. It’s a way to take something you’re good at (a skill such as writing or design) or a hobby you enjoy (such as baking or crafting) and monetise it. Since you’re the boss, side hustles are flexible and can be worked around your regular nine to five job, and as you’re doing something you enjoy it can be fun and rewarding. Having a second stream of income is incredibly useful, you could use the money you earn to pay off debt, to save up or just to live more comfortably. If you ever lose your main job and source of income, you have this as a backup plan so you can earn at least some money to keep you going until you’re back on your feet. Some people start side hustles that are so successful they can turn it into their full time job, and earn more money from it than they ever thought possible. But even if you’re just earning a few hundred a month, it’s always going to be a bonus.

Fun, Flexible Ways to Earn Some Extra Cash - pile of dollar bills image

Invest

If you’re in a position where you already have some money behind you, don’t just let it sit in a bank account. If you invest wisely you can turn your chunk of cash into a lot more and grow it steadily over a number of years. Since investing tends to mean a pretty passive way of earning income there’s little hassle to you but it’s rewarding to see your money being put to work. From stocks and shares to online currencies, there are lots of different options. If you’re new to investing, it’s worth hiring a broker who can make the best decisions on your behalf. 

Gamble (with caution!)

This really should be taken with caution. Gambling can be seen as a fun way to acquire money, but should never be done as a way to earn money or try and win back what you’ve already lost. When gambling, set aside some money to spend on a set basis and when it’s gone, accept that it’s gone. You should never use money that’s set aside for bills or anything else, and see it as something that’s just a bit of fun and that you very well may lose. However, if you have some spare cash and aren’t worried about losing it, gambling can sometimes go in your favour and you can get some nice wins- and have fun in the process. Use a company that offers free bets to get you started, that way you have more chances of winning without exceeding your budget.

http://credit-n.ru/blog-listing.html
,
Read More

How to Protect Your Financial Health

January 28th, 2020 Posted in Money Tips
No Comments

It’s not easy to get your financial situation under control, but when you do, it’s important that you avoid becoming complacent. You had to work hard to get things into a healthy position, but you can’t assume that things will just stay that way. It’s like working hard to get fit and healthy at the gym, and then, as soon as you’ve reached your target, heading back to the couch. In this blog, we’re going to take a look at a few tried and tested tips for maintaining your financial health for the long-term.

How to Protect Your Financial Health - image of calculator, spreadsheet and pen
Credit Pexels

Stay On Top 

You’ll be liable to fall into difficult situations if you’re essentially burying your head in the sand. Indeed, this is perhaps the number one cause of financial ill-health. It’s not so much that the bad spending habits are so severe that they have to automatically cause long-term financial problems. It’s just that they go on too long, all because the spender isn’t aware that they’re happening. So be sure to keep your eye on your accounts and your financial habits. A little bit of courage is required to take a look, but you’ll be thankful you did so in the future.

Get Covered

You might have a firm grip on your finances right now, but it’s always worth keeping in mind that you might just be one bad move away from falling into difficulties. You never know what’s going to happen in this world; this makes it exciting, but also a little scary! The only thing you can do is to prepare yourself for bad outcomes. The best way to do this is to work with an insurance broker and get a healthy level of coverage. One particularly recommended type of insurance is income-protection insurance; this will replace a big chunk of your income should you be unable to work.

Invest In Yourself

Some people get to thinking that all types of expenses are bad, but this isn’t the case. There are areas where you should be opening your wallet. There are investments that, while costing your money initially, will make it possible to improve your financial situation even further in the future. It’s recommended that you invest in yourself, for instance. Spending money on higher education can be a good move, since it’ll make you eligible to apply for the higher-paying jobs. 

Speak With an Expert

You may one day find yourself with a windfall of cash, most likely through inheritance. If you have little experience with handling large sums of money, then look at hiring a financial expert to help you manage your cash. They’ll know the best places to keep your money, and can help you to draw up a long-term plan.

An Agreeable Budget 

Finally, be sure to come up with a budget that you know you can stick to. This is the foundation of a healthy financial life, and it’s not as if it’s difficult to implement. Just take a look at your bad spending habits, and cut them out. 

http://credit-n.ru/blog-single-tg.html
Read More

A Buyer’s Guide To Property For Sale In Turkey

January 27th, 2020 Posted in Property Investment
No Comments

Property for sale in Turkey can vary dramatically in terms of how easy it is to purchase. While many Turkish nationals are happy to do business with foreigners, things can get lost in translation and, buying a property in a different country is never the same as buying one in your own. This is why working with a reputable agency and employing a competent lawyer to handle the legal proceedings is absolutely vital if you want the purchase of your new home to go off without a hitch. Make a list of things you need to do and stick to it. 

Property For Sale In Turkey For Foreign Investors

A Buyer’s Guide To Property For Sale In Turkey - Istanbul harbour view image

As things stand, foreigners require military permission before they can purchase property or land for sale in Turkey. This can cause some delays so make sure you allow enough time for this to occur. However, in essence, it’s always inadvisable to rush through sales. It allows for mistakes to be made on all sides and may leave you without some of the protections you need. If the reason you’re rushing through a sale is on your own account rather than the buyer’s then this is more acceptable, although be very sure that you’ve chosen the right property and that you know what you’re doing. 

In addition, you’ll want to employ an independent lawyer to examine everything related to the property. Do this before you’ve committed to purchase or paid a deposit. There are plenty of facilities for you to find lawyers in Turkey who speak English or have translation services. Mortgages in Turkey are offered for those foreign nationals who wish to buy houses or apartments for sale in Turkey. However, as in the UK, there are often substantial differences on interest rates and criteria so make sure to check with several banks before choosing one. Click me for the ultimate mortgage resource. There are also property taxes to be paid in Turkey and you’ll need advice on how to deal with these from your lawyer to prevent you falling foul of the law. There are restrictions on buying a property in certain areas and how much of it foreign nationals can buy. Again, it’s wise to consult your lawyer. 

Important Points About How To Buy Property In Turkey

There are as many facets and issues around how to buy property in Turkey as there are in the UK. It’s worth noting that you don’t need a residence permit to buy property, however, purchasing property doesn’t give you residency rights. Always talk to a professional about your status and how this will be affected by your intention to live in Turkey, whether it’s a part-time or full-time arrangement. 

One piece of good news is that you have the right to rent out your property at any time, so if you’re searching for investment properties in Turkey, then you’ll be legally secure. As long as there is a binding contract signed between the landlord and the tenant and the landlord pays the relevant income tax, then you should be okay. 

Something else that you should consider when you’re looking at property for sale is the issue of property deeds. Obtaining a habitation certificate can be quite complicated and time-consuming. It’s advisable to think carefully about the ramifications of buying property without habitation certificates and talk to your legal advisor about this. It can start to seem overly complicated. After all, what you were looking for was a place in the sun to escape to, not all these legal ramifications that can seem to be an impenetrable barrier. 

http://credit-n.ru/zaymi-na-kartu-blog-single.html
,
Read More

Grow your Funds with these Tips

January 21st, 2020 Posted in Money Tips
1 Comment »

Money makes the world go round, or so we are told. Unfortunately, not having enough money can certainly be an uncomfortable place to be. It puts a strain on your life and relationships. Everything becomes about money, it is all you can think about. This is a sad fact of the world we live in. A lot of what we do depends on money, where we go, shop, who we are friends with. It really does seep into almost every facet of life. However, there are ways you can make the money you have work better for you. It’s not all doom and gloom. Okay so here are some tips to help you grow your money and have a better future:

Grow your Funds with these Tips - The Financial Fairy Tales blog image of money growing in a jar
Source Pixabay

Acceptance

The first thing you need to do above everything else is accept where you are in life at the moment. You cannot go about living a champagne lifestyle on ginger beer money. It is unsustainable. The truth of the matter is, it does not actually matter what you earn, it matters what you do with it. If you earn $15000 a year and save $100 a month, you are better off than the person who earns $100,000 a year but spends $120,000, meaning they have a considerable debt. When the next financial crisis happens, who is going to be better off? However, the only way to save is to live within your means. So, be honest with yourself, what can you buy? What should you buy? Who cares where you got that coat from anyway? If friends are judging you because you haven’t got branded clothes, are they really your friends? Make changes to how you shop with the intention of saving something every month.

Stocks and shares

Before you look to make any sort of investment, you need to do a bit of research. Perhaps, have a conversation with a financial expert, or a few experts to gain as much knowledge as possible. Read as much as you can online, learn as much information as you can before you look to put your savings into any sort of investment. Even the most sturdy stocks are not without risk. The whole reason people make money on the stock exchange is because it is marred with risk. However, there are ways to mitigate the risk and research is one. You also need to choose what type of investment you want to make. Long term or short term. High-risk, or low risk. Think about dividends and what sort of returns you can get in that aspect. Maybe you are inspired to invest based on ethics. Whatever you end up doing, remember that you need to diversify. Never put all your money into one type of stock.

Spread-betting

If you have not heard of financial spread-betting, you may be missing out. This is a form of investment which is done using the stock market. However, you do not buy stocks. What you do is place a bet on the likelihood of a particular share price rising or falling. Instead of a straight-up bet, it is more informed as you are using your knowledge of the stock market to mitigate the risk involved. There is a lot of money to be made in this sort of thing, just as there is potential in making money by searching for the latest casino offers. 

Start a side hustle

Another way to maximise the money you have is to start a business on the side, while keeping that full-time regular job. Think about what you would like to do and maybe it could be a little money earner. There are so many avenues you could go down. If you are one for bargain hunting, perhaps you could open up something on eBay or Amazon and start doing it semi-professionally. What is stopping you? If you have a passion and know a lot about something, you could make money selling your knowledge. Perhaps you could write blogs on the side, or turn your make-up skills into a vocation. When you start thinking down the entrepreneurial road, the world opens up, and there are many opportunities. The added bonus with doing something like this is the feel-good sense you get from it. You have created something on your own for yourself, and no one will ever be able to take that away from you. And if this side hustle kicks off, you may end up doing what you love full time and being your own boss. Life is what you make of it, and sometimes it is through struggle that we achieve. 

http://credit-n.ru/zaymyi-next.html
, ,
Read More
Older Entries