Being broke isn’t a way of life…really it isn’t. Whether you’re paying tooth and nail for childcare, or just can’t get the pay rise you need to bring your finances up to where they need to be, you really don’t need to stay broke.
The school holidays is one of those times of year when families tend to spend more money than expected. Little trips here and there, food, arts and crafts, toys…even free activities have an associated cost.
So just how do you curb the spending – and teach the children how and why it’s important to think before splashing out? Here are some questions to ask yourself before you buy:
Getting on the property ladder can happen at any point in a person’s life. We often have a picket-fence mentality when it comes to thinking about how families grow – get married, buy a house, have children and live Stepford Wives happy ever after. Back to reality…not everyone’s plan works out that way, and getting a mortgage can come a little further down the line.
Having children can be expensive, especially for parents with several mouths to feed, shoes to buy and school outings and uniforms to pay for, not to mention holidays, birthdays and Christmas.
Keeping up with everything can be difficult, making it so easy to get into debt. Luckily, there are a few steps and clever budgeting methods you can use to ensure you can still afford the things you want without spiralling into debt.
All of us have done it, making New Year’s resolutions and promising ourselves that this will be the year that we’ll keep them for definite, only for a couple of weeks to pass and for us to find ourselves falling back into our old habits.
Make savings on your childcare costs
Going back to work after having a baby can be a hard decision. Do you go back full time or part time, will your employer let you alter your working hours to do the school run and what will you do for childcare?
Selling products is often one of the first sources of income that mums who want to make extra money consider. Whether it’s selling Avon, or actually buying products in bulk to sell to friends and family, selling products is a good way to make money.
Dropshipping and buying at wholesale is an area that is often considered, too. But they can seem like a bit of a minefield if you don’t know where to look.
If you every fancied yourself as a bit of a spy then you’ll love mystery shopping.
Mystery shopper jobs are basically undercover jobs without the risks that you see in secret agent movies. It’s a popular method of market research or internal check-up within a company.
The housing market has been a source of great interest over many years and that is especially true now, due to the government’s decision to move their ‘help to buy’ scheme three months ahead of schedule.
The Conservatives policy, which is designed to help first time buyers get onto the property ladder a lot quicker and for a fraction of the price, involves taking out a 95% mortgage.
School summer holidays are arguably one of the most expensive times of the year where spending is concerned, and if you’ve gone a little overboard. Your credit card spending and are panicking about how to cope, here are some tips to help you: