Budget Snob

Loans as Effective Financial Tools

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Most people don’t pay their college tuition with an upfront cash payment. The same is typically true for those who buy a car or a home. Instead, they borrow the money to make these large purchases and repay it over time.

If you can learn to manage your debt and not borrow more than you can afford to repay, a loan can provide financial flexibility in your life. This is true whether talking about instances of borrowing big, such as the previously mentioned examples, or when discussing smaller online installment loans taken out to cover things like car repairs and home improvement projects.

… Read the rest

Can’t Pay Your Bills? Here’s What to Do

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Managing finances is never easy — especially when unexpected setbacks occur. Whether your paycheck didn’t arrive in time to pay the rent or you find yourself struggling to keep up with rising costs of living expenses, it isn’t unusual to find yourself struggling to pay the bills.

Unfortunately, ignoring your bills and hoping that they’ll magically disappear isn’t going to help your situation get any better. Not only might you face consequences like getting kicked out of your apartment, but you’ll also do some serious damage to your credit history.

So what can you do if you don’t have enough money to cover a mounting stack of bills?… Read the rest

Building Business Continuity into Your Start Up Operations

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When you’re a small boat in a big ocean, even a medium-sized wave can capsize you. As a start-up, there are many “waves” or else known as risks, which can ruin the efforts you have so far put into your company. From poor publicity, team disputes, to lack of cashflow, there are many circumstances that would hurt a big company that could terminate the operations of a smaller, less established entity like a start-up.

So how do you make your company more resilient to the risks out there, and in cases when it does “capsize”, that it rights itself instead of sinking?… Read the rest

DIY Lifehacks

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With the start of a new year, lots of people are looking at starting DIY projects they’ve putting off through the latter half of 2017. Whether you’re an old hand at home improvements, or looking at your first ever attempt to Do-it-Yourself, short cuts, tips and lifehacks are always welcome to make the task at hand a little less onerous. Today we have just that: some time saving tips to usher you towards DIY success.

Creating a Blank Canvas

One of the things that might put you off DIY is the disruption it causes to the rest of your home, with paint and dust finding their way onto furniture, and precious keepsakes and furnishing at the risk of being broken.… Read the rest

Building your Business Reputation

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One of the most important things you can do when you’re running a business is build a reputation in the field. It helps to attract funding, build a client base, and also get you the best talent when you’re hiring. When you’re generating some buzz and excitement about your product and your working practices, talented people beat a bath to your door, so you can pick from the best rather commit to an exhausting search.

It’s difficult to bottle lightning: sometimes a reputation accumulates around you because you were in the right place, at the right time, with the right idea, and if you’re not trying to force things can damage your reputation rather than improve it.… Read the rest