Instant gratification is something which millennials have grown up to desire, they no longer want to save up, wait and then purchase their goods. They put items on credit cards, get into debt and worry about it later, but what has come of instant gratification is the current market for finance. Finance allows you to purchase a product with minimal down payments and pay the rest off monthly or weekly with interest. For some, this is an amazing way of getting what you need but can’t afford right away but there are a few downsides and we’ve all heard in…

Social media has taken over the world, from Facebook to Twitter, Instagram to Snapchat there are a million and one channels which can be used to enhance and grow your business. The social world is unbelievably influential with some having a career as a social media star with millions of followers watching their every move and buying promoted products. Having an online presence in this day & age is a no-brainer, the first thing someone will do is Google you, and if you don’t have an up to date, active website, good social feed and a google profile, you can…

If you’re worried about money, then the last thing you need is unexpected bank charges. Somehow, they always come at the worst time; when you have no money in your account, take you into your overdraft or just come at the worst time. Well, we’re here to help and have created some great ways you can avoid nasty bank changes; Do Your Research Before you decide which bank you want to put your money in, have a look around and read the small print. Some will offer a free overdraft on X amount, others will give you day-to-day charges and…

The news is constantly telling us that the current generation of home buyers are simply not able to afford to get on the property ladder and face spending their entire lives renting. But is renting so bad and what are the pros and cons of renting vs buying. There are, of course, many things to consider when making such a huge decision, the first and most important is financial but after that, there are a number of practical and emotional decisions you’ll need to make. Buying The biggest pro of buying your own home is that once you have paid…

When you think of being a student, you immediately imagine huge debts, eating cold beans out of a can and being freezing. But this doesn’t have to be the case, if you’re smart with your money, budget and don’t splurge, then you can be a savvy student. Take advantage of student discounts From NUS discount cards to discounted cinema tickets, there are a whole host of benefits to being a student. Now, you may have to pay upfront for any discount cards such as an NUS card or a yearlong railcard. But other organisations such as UNIDAYS and overall student…

Hire the Right Team Hiring the right team is the first step towards building a productive workforce. This starts with the interview, so you need to ensure you’re asking the right questions and hiring for the right reasons. When the rest of your team are surrounded by good employees who are hardworking, positive and helpful then that will naturally encourage others to do the same and will create a good team spirit. It’s also important to root out the bad employees who don’t pull their weight, are constantly late or are disruptive to the workforce. Praise When Due Having an…

When we talk about property investment, we always discuss purchasing full properties and renting them out either ourselves or through an agent, but what about hotel room investment? Many may have never thought about this before but this new era of investment is actually pretty sound and with short investment periods and attractive ROI’s, it’s certainly worth considering. Many independent companies are deciding to take their money away from the banks and give individual investors the opportunity to help fund individual or wider company hotel builds. This may seem like a new concept but for some, it is working tremendously…

The first rule regarding dealing with your debts is to first face up to them. Admitting you’re in trouble, outlining exactly what you owe and wanting to clear them is the first step towards becoming debt free. Debt is an awful thing which grows and grows over time, becoming bigger and scarier the more we ignore it. It can be hugely stressful time, but please do not worry too much, there are people and ways which will help you to realise you’re not alone and will set you on the right path towards cleaning your debts. Here are some of…

After years of hard work, pensioners should be able to enjoy their retirement years comfortably. However, new figures have revealed that one in four UK pensioners are struggling to manage their finances. What’s even more shocking is that there is up to £5.5 billion in state benefits going unclaimed on an annual basis. Why is this happening? Because pensioners are too proud to accept government help, they are unaware they are entitled to benefits or are wrongfully informed that they aren’t eligible for financial assistance. The government therefore need to make a change. So many pensioners are unaware that they…

It’s going to be on your mind throughout your university years, and probably for the rest of your life, so you may as well learn all you need to know about student finance right here. The funding for your tuition fees and accommodation has to come from somewhere, and that’s from student loans. Firstly, if you haven’t already sorted a student loan, you should head on over to one of the many government websites available to find out more: direct.gov.uk/en/educationandlearning, studentfinancewales.co.uk, studentfinanceni.co.uk and saas.gov.uk As the name would imply, the Tuition Fee Loan covers your tuition fees for each university…

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