Planning Your Financial Future Like a CFO

AT any large corporation there will be a chief financial officer (CFO), who is responsible for overseeing the company’s financial affairs and investments. But even if you’re not employed as a CFO for a company, you are the CFO of your very own personal finances. Because at the end of the day, you are the one that will be responsible for making sure that the things that you want to do are in-line with your finances. So with all of this in mind, there are some things that you need…

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Top 5 things to think about before taking out a loan

Taking out a loan is never something that should be done on the fly I always think and if you are self-employed it can be even trickier. It requires a lot of thinking and weighing up of options so I thought it would be a good idea for me to take you through what I think are my 5 top tips when it comes to taking out a loan.               Research is KEY. There are a great number of comparison websites available that you can…

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What’s The Real Cost of Setting Up a Business?

Starting your own business and becoming your own boss is something many people like the idea of. But, the idea can be very different to the reality. For example, if you underestimate the costs of setting up a business it can lead you straight down the road to failure. So, although the thought of running your own business may be nice, it’s important to plan ahead before you take the plunge. Here are a few costs you might run into while getting your business started. Paperwork The may feel like…

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Why it pays to have several savings accounts

Today we have a guest post from Naomi over at The Organised Life Project which shows you the best way to keep your savings in order to get the most form them! One of the best things I’ve done to organize my finances and to make sure we only spend within our budget, is to open a number of different accounts. We did this for our spending accounts – we have separate accounts for diesel and groceries and bills – and we’ve also done this for our savings. It definitely…

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Autumn Budget round-up for the Self-Employed

On Wednesday 22nd November, the Chancellor of the Exchequer, Philip Hammond, announced the Autumn Budget – what was expected to be a bold announcement, quickly pivoted into a typical event for the self-employed, Craig McCall, Operations & Technical Director at Gorilla Accounting shares his views.   There were no drastic measures announced which changes the way Contractors and Freelancers operate, but here’s everything you need to know about the Budget if you work from home. Personal Tax  From 6th April 2018, the Personal Allowance will increase to £11,850, and the Higher…

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Keeping Your Motoring Costs At An All Time Low

Running a car can be such a huge convenience when it comes to getting you around and your general lifestyle. Enabling you to get to work quickly and safely, helping you to do your shopping and run your errands, but if we are totally honest with ourselves running a car can also be expensive. You have the initial purchase to think about, whether that is a monthly budget or a total spend. You have fuel costs, insurances quotes and even upkeep and maintenance to consider. How do you manage it…

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Let your Selfie do the work and get you an instant life insurance quote with Zurich

Sorting out insurance can be quite a dull affair can’t it? It’s always a case of putting in the same details over and over again either on comparison websites or on the actual site of the insurer themselves. I mean it used to be even worse as I remember my parents having to do everything by filling in forms with a pen and sending them off in the post so at least we’ve moved on from that I suppose Life insurance is something I didn’t have to think about until…

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Exclusive Black Friday Money Shed Offer – Get 50% off Hosting and Domains for 99p with Kloudhost

Kloudhost 99p domains

I’ve spent the last few days working with the guys at Kloudhost to bring you a FANTASTIC Black Friday offer that is going to be running from Thursday 23rd November until the end of Monday 27th November If you are thinking of running a self hosted blog or website then this is the time to make the leap. Simply use these codes at the checkout for these AMAZING EXCLUSIVE discounts! TMSHOSTING – £14.95 for the Starter plan when paid annually. (50% off!) TMSBLACKFRIDAY – 40% off ANY web hosting / re-seller package should you wish to select a package…

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A Beginner’s Guide To HMOs: A Smart Property Investment?

The majority of property investors are guilty of being too one-dimensional. Everyone is always looking for the same ideas and concepts. We buy a home, flip it, and make a profit. Or, we buy a property, rent it to someone, and generate money. Rarely do people consider other options or types of properties that could be more beneficial to them. This is where the subject of today’s article comes in; HMOs. If you have no idea what this stands for, then you’ll soon learn. This piece is a simple guide…

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Why Picking The Right Property Is Like Striking A Goldmine

If there’s one talent that can drastically improve the chances of anyone looking to develop or flip properties at a profit, then learning to choose the right area has to be number one. But there’s a big difference between choosing an area that already has all the hallmarks of a promising place to live and choosing one that’s on its way there. Here, we’re going to look at why the latter will always net you a bigger win in the end. Demand will increase If you want a quick investment,…

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Xero – Your best friend for keeping track of your finances when self employed

When you start out on your self employed journey there’s no doubt that keeping track of the incomings and outgoing of your money is going to be your top priority in the early days. Money is usually very tight during that period and it’s important that you always know where ever pound you have available to you is. In the past we used to have to rely on spreadsheets stored on your computer (or an Abacas before that!) which you could only ever access when you were in the office.…

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Have you bothered to check if you have PPI?

We’ve been having a conversation recently on the forum about checking if you’ve got PPI or not. There are lots of different ways to do it from going it alone to using one of the many PPI checking services out there who will do all the leg work for you. With the deadline already set for the 29th August 2019 it’s more important than ever that you check if you have ever been miss-sold PPI. I really do believe that this is something that banks just can’t be allowed to…

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Come and grab a FREE £5 Amazon voucher TODAY

It’s the time of year for giving and TopCashBack are being no different. Up until the 4th December 2017 if you sign up to TopCashBack you will get a FREE £5 Amazon Voucher once you have signed up and earned £10 of cashback. At this time of year it’s more important than ever to make your money work for you and cashback is the easiest way to ‘earn as you spend’. I’ve made THOUSANDS from it over the years and it is literally a case of getting paid each time…

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Ten Ways To Save Money When Leasing A Car

  Leasing a car rather than buying one outright makes sense for a lot of different reasons. Not only can leasing help keep your monthly payments to a minimum but it also requires less money up front, making it an affordable way to get a vehicle. Typically, leased cars are brand-new. As a result, the manufacturer’s warranty still applies. Because lease terms are usually relatively short, you can continually upgrade to a newer model when your lease expires, helping to ensure that you always have a reliable vehicle. Of course,…

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Bookkeeping Tips for Busy People

When you’re earning money online at home it’s easy to neglect keeping accurate books, and this can hamper success in the long term. Time is often at a premium and it’s the books that constantly languish on the back burner. What’s needed is a simple, effective strategy to get, and keep, the books organised. Choose a Simple System When you’re working at home, it’s tempting to blur the lines between household and business expenses. Don’t do it. Have a separate business bank account, and keep business bookkeeping separate from household…

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The Secret to Smart Online Betting

To do online betting right, you need to be smart. Careless or thoughtless gambling is what leads to losses and — if you’re not careful — potentially even bigger problems. To make sure that your game of poker doesn’t leave you out of pocket, here’s the secret to smart online betting. Have Fun Games are meant to be fun. When you buy in for a game of poker, what you should get in return is the opportunity to play a game which you enjoy. Win or lose, there’s no point…

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How to give your garden a budget makeover

  Landscaping and maintaining a garden can, like everything else, be enormously expensive. But with a smart and careful approach, it’s possible to make big changes without costing you an arm and a leg. Here are some of our favourite suggestions. Let there be light Garden lights, such as fairy lights, are an increasingly popular choice for gardeners simply because they leave an enormous impression and come at a very low cost. They are easy to position throughout the garden and can be supported by trees, hedges, shrubs, fences, and…

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Top tips for bagging some bargains ahead of Black Friday

  As Black Friday quickly approaches, many of us are saving our pennies and limiting our purchases until the big day comes along. While black Friday is certainly a great time to shop for some top tech gadgets and electrical equipment, there are still plenty of ways you can bag yourself a few bargains in the meantime. Whether you’re looking to cut down your spends before Christmas or you’re after guilt free ways to treat yourself, take a look at these top bargain hunting tips. Shop fast fashion There are…

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How To MAKE MONEY on Black Friday Deals

As we head towards Black Friday week we’ve got a guest post today written by the amazing Sarah from Dream of Home. She shows us there’s a great way to actually EARN MONEY as you buy throughout the week but it’s important you sign up to your favourite Cashback earning website BEFORE it all starts!   Black Friday is an example of yet another American tradition that has made its way over to the UK. Black Friday takes place the day after Thanksgiving, and is an opportunity to grab yourself some…

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Moving Home and Hidden Costs: Do You Know What They Are?

If you’re looking to get on the property ladder for the first time, then it can be a really exciting time. Having somewhere of your own, an investment, is a great achievement and something that could help you get to financial freedom. But if you’ve not bought before, then you might be unsure of how much it costs to actually move house. As well as a deposit, you will also need money for other fees that you might not have thought about before. So when looking at what you want…

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