Ways Not to Go into Debt on a Move

Let’s face it – moving can be expensive. You have all sorts of things to pay for, and this includes things like packing supplies, a moving van or service, gas for the moving vehicle(s), utility deposits to have your utilities turned on at the new place, and if you will be renting, you will also need the first month’s rent and deposit. These are just the basic things you will have to pay for and they can add up quickly. However, with some careful planning and the tips you will read here, you don’t need to go into debt to get moved into your new place.

Professional Movers

If you know a few people who have trucks and strong backs who are willing to help you move, great! If not, you will be stuck doing it on your own. You might think that doing a DIY move will be cheaper than hiring professionals, like North American Van Lines, to handle your move, but that isn’t always the case. Depending on when you book the move, how much you are moving, and the distance, it might actually be more cost effective to hire someone to do it for you. See, there are always hidden costs to moving, whether you do it yourself or have someone else do it. If you book a move early enough and during the offseason, you can be surprised at how much you might save. Just check around and get estimates IN WRITING, before making any decisions.

Make a Budget and Stick to It

This is a step in your move that is critical. If you don’t create and stick to a budget for your move, you might be shocked to find out what you spent, which can lead to even more frustration and debt. Moving sucks enough already, you don’t need to make it worse by not budgeting. Take a few minutes to sit down and make a list of everything that will have to be paid for during the move and how much will have to be paid. This will ensure that you are more prepared when the time comes and will have one less thing to stress about.

Packing Supplies

This is one of the easiest ways to save money on your moving expenses. You don’t need to go out and spend a small fortune on things like boxes, markers, bubble wrap, moving blankets, etc. Some of those things you might already have something in your home that you can use instead. You can use the blankets and sheets you already have to protect your furniture. You might have Sharpies already (or kid’s markers) that you can use to mark the boxes. Instead of bubble wrap, you can use old newspapers. You might also use things like Styrofoam plates to put in between your dishes as you pack them so they won’t break. You can pad your glasses by slipping each one into a clean sock. Creativity here can save you a lot of money. As far as boxes go, you can easily get them for free. Call or go to your local grocery stores, liquor stores, and even some offices to see if they have any empty boxes. Most of them will tell you to help yourself.

Get Rid of It

Moving is a great time to get rid of things you no longer need. This is one of the few times in your life that you will literally be going through everything you own. As you are packing, make a pile of things that you don’t need anymore to get rid of. You can take this stuff and make money with it by having a moving sale. You might also sell it online at sites like eBay or Craigslist, or on apps like 5Miles and LetGo. Beyond that, anything that doesn’t sell can be donated to charity. If you do this, be sure to get a receipt so you can use your donation as a tax deduction when tax season rolls around.

As you can see, there are ways you can save money on a move instead of going into debt. The ones listed here are just a few of them. If you are creative, there are so many more ways to save on your move.

Get the Most From Your Self Storage Unit

Lots of people are using self storage facilities to keep excess possessions safe, provide extra space during a house move, or even as the headquarters of a small business. In these uncertain economic times they are one industry that’s definitely on the rise.

As with all things in life, you can use them well or poorly, and we’re here today with some tips for getting the best use out of your storage space.

Get Quotes

When you’re considering taking a storage unit, make sure you shop around, as you would with any other financial decision.

If you’re looking at self storage London has plenty of options, and even smaller towns have a few competing storage firms so you can make sure you’re getting the best option.

If your preferred option doesn’t have the best price (maybe it’s in a better location for you, for example) let them know you’ve found a better price elsewhere and you may be able to convince them to lose a little more off their bill to secure your custom.

Long Term

If you know you’re going to be using this storage unit in the long term – in the order of months and years, rather than days and weeks – discuss this in your initial negotiations. You may be able to secure special terms if you can guarantee you’ll be with the company over a long period. You’ll be offering reliable revenue to them for a long time, and that could be worth either a discount or an upgrade in space or your facilities.

Insure

Look into the insurance options offered by your storage company: if there isn’t a level of coverage included in the price, see if it’s available as an extra service and factor this into your budget. The purpose of a storage facility is to keep your items secure. If that should fail, you need to make sure someone can take responsibility for that.

Pack Effectively

Don’t just hurriedly throw all of your things into your storage bay and lock the door, however tempting that might be.

If you put some thought into your packing you can take the pain out of retrieving things from storage when you need them.

Hold back your most used items till the end so you can pack them nearer the door. It makes sense to pack the things you’re not going to want away at the back so they aren’t in your way when you’re trying to get to the things you use regularly.

It’s Never Too Late to Fix Your Crappy Credit

It took until my 30th birthday to finally come to terms with my crappy credit score. I won’t say it but believe me… it’s embarrassing. It’s the result of bad decisions coming out of high school and even worse ones during my “party phase” in the mid-20s.

I had to do something — I decided to punch debt in the face.

Let the Simulations Begin

What got this journey started was getting real about understanding my credit score. I have tools like Credit Karma to thank for that which gave me a rundown of debts and scores.

The app has a debt/credit simulator.

I ran the sims using these criteria:

1.  Paying off all my credit card debt

2.  Making on-time payments for 1-year

3.  Opening a new card for $200 (a secured card would do the trick)

4.  Taking a small $500 loan (which my bank does specifically for credit boosting)

The sim was telling me I could bump my score back into the upper 600’s.

I suggest you do the same (running these sims) to help you plug in the info to a calculator and create a timeline for repayments.

Getting Things in Motion and Future Plans

The largest contributor toward paying debts was eliminating small expenses. I know, you’ve heard this before — it does work.

Being able to show control not only helps save money but it works with building better routines. This happens to lean toward doing better work and getting paid more – double win.

I basically eliminated all the following:

·  Ordering takeout (or really anything that wasn’t cooking)

·  Drinking (especially bar hopping)

·  Multiple trips to the store (thus saving gas)

·  Shopping at retail (Goodwill all the way for me now!)

This netted me an extra $300+ a month which as you can guess really helped pay down the debts. I could eliminate my Capital One balance ($1,600+) in about 5 months… nice!

But… there are much more to do.

I did my research and I think the next phase is to get creative with balance transfers. I took a look on CreditSoup and found a few offers that’ll let me do transfers with 0% APR. It would give me enough time using this $300+ a month to pay off other ones like old medical bills and some of the student loans.

The other two that will help are:

·  A secured card that’ll tack on good marks to my credit report

·  Using a credit builder loan that’ll also look good on my scores

I could, also, use this loan to do the “snowball effect” on my debts to get that nice boost in motivation and eliminate the extra dings caused by the monthly fees.

30 and Onward

You’re generally stuck with two options:

·  Cut out spending

·  Increase your take-home pay

I’ve already cut my expenses about as low as I could go without going insane. So, I need to bump up my income and the best way I’m finding is a mix of flipping stuff I’m finding at thrift stores and freelancing on the side.

There’s a lot of info out there about starting a side hustle – I encourage you to consider it because it’s not all that hard to turn your skills into money-makers.

Also…

I’ve taken to using high-interest accounts when I get “windfall income” (income you’re not expecting). I use Betterment to throw some money toward ETF’s which has been a decent return so far. It’s also letting me get an IRA in order – woo!

Punch? Nay, Uppercut Debt!

You’ve got decades of life to go – you’re not screwed even though you’re starting late. In fact, you’re probably sound minded when it comes to this stuff now. Take advantage of it and get back on track.

Believe me, if I can do it, then so can you.

Transfer Money to Nepal With Ease – Basics You Need to Know

Do you want to send money to Nepal? Probably you want to send funds to your loved ones back home or maybe you want to remit money to Nepal to support an earthquake relief fund. Both the thoughts are noble and we are extremely glad that you think of people in need. Whatever the reason, it is always crucial that you analyze the mode of money transfer to Nepal, to check whether the option is safe, secure, reliable and quick. At times, you might need to send money urgently and it pays to know certain factors that help you choose the most competitive option.  Now, let us break down the steps involved in sending money overseas.

How To Send Money To A Bank Account In Nepal?

Step 1: Register Your Account

Compare the deals offered by different remitters in the industry. Also, pay attention to factors such as exchange rates, transfer fees and time of transfer. Once you have chosen your money remittance partner, create an account with the service provider. Ensure that you fill in correct details such as name, address, ID proof, who you are sending funds to and why. Once you have successfully created your account, you will be notified by your service provider via an email.

Step 2: Login To Send Money To Nepal

After registering successfully, you will receive a member ID and password. Whenever you want to transfer money to Nepal, you need to login with the given member ID and password to carry out the transaction. The user then needs to enter the beneficiary’s details such as name, bank name, bank account number, etc. Once done, the user can choose the amount that needs to be transferred and hit the send button. Money remittance to Nepal is easy but registering is the first step which you need to follow. Once you choose the amount, you will be ready for transferring money to Nepal.

Step 3: Transferring Money To Nepal

It is time to send money to a Nepali bank account. Once you click on the transfer button, the money is processed to be sent to the beneficiary’s account. When the funds get credited to the beneficiary’s account, you will get a notification through email or SMS, confirming the transfer. You can also track your transaction history from time to time.

Things To Keep In Mind While Sending Money To Nepal

You must properly evaluate all service providers on the following factors: exchange rates, speed of transfer, additional services and transparency, and go with the one, that offers the best exchange rates at minimum transfer fees. Opt for money transfer to Nepal at the best rate.

  • Make your choice on the basis of the amount you want to transfer to Nepal. For example, in case of large remittances, you can opt for Forex firms, as they provide the most affordable rates along with low processing fees. You can transfer money to Nepal at the best rates through these firms.
  • Always negotiate the transfer fees and processing charges with the service providers. This way, you will be able to avail the best possible deals while sending money to Nepal.
  • Make sure that you clarify the terms & conditions with the service providers in the very beginning to avoid any issues later.

With these tips, you are now well-equipped to pick the best option to send money to Nepal.

How to create an effective personal budget

A personal budget is important in financial planning but setting up an effective budget is tricky for many people. Creating an effective budget is beneficial to you regardless of who you are. We’ve tips to help you set up a good stress-free budget to achieve your personal finance goals.

  1. Set goals

Formulating personal goals is the first thing to do before creating a budget. Having targets can motivate you to cut unnecessary costs without feeling the pain. Even if the goals are having a huge online casino gaming bankroll at top rated casinoaus online casino. The purpose of a personal budget is to achieve a certain goal or goals. Understand your goals, the purpose of the budget is to help us with our spending.

  1. Track your spending

Track your weekly or monthly expenses by writing them down. Know which area you highly spend and add all small expenses to have valuable information regarding your spending pattern. Some expenses might be small but over time they add up to a huge amount.

  1. Cut Unnecessary Spending

Categorize your expenses according to importance. Select all the expenses of high priority and cut off unnecessary spending. The aim of a budget is to ensure that you spend less and save more. There are many things we spend money on but we can live comfortably without.

  1. Have a target amount you want to save per month

Come up with a total amount you want to save every month. This is very important so that you can review if you have accomplished your goal. It also makes it easy to save when you have set target rather than saving without a specific amount.

  1. Draw up the budget

Create the budget starting with your income and put all your relevant expenses such as mortgage, loans, car expenses, student loan, utility bills, and others.

  1. Keep on reviewing the budget

Reviewing the budget regularly makes it effective, you know how well or bad you’re doing. Sometimes you will even adjust it to save more.

Why switching your energy tariff could save you hundreds

Despite having been able to switch between cheaper energy tariffs for nearly 30 years, hundreds of thousands of people across the country are still not exercising their right to savings. Whilst the county complains about the rising cost of living in all areas, they don’t seem to be taking advantage of one of the main ways to slow and reverse this trend. Switching your energy tariff is without a doubt the number one way to save money on your gas and electricity bills, especially if you have never switched in the past. Any doubts that you may have regarding the ‘hassle’, how long it takes, the poor customer service, the switching away from a big six company, will all be answered on this page. Sit back, read through this article, and get ready to save hundreds of pounds every year.

How much will I really save?

Ok, so you may have seen the various advertised savings that you will make. Be assured, however, that if it is advertised, then it will most certainly not apply to you. Every single situation is different: most of those advertisements are based on averages. Your situation could mean that you save a little less or maybe even a little more. This all depends on the amount of gas and electricity that you use, the current tariff you’re on, your location and many other variables.

One of the most important factors to take into account when comparing your tariff is your location. Prices can change drastically depending on where you are in the country. This is due to distribution costs and other static charges that your energy supplier is subject to in varying degrees across the nation.

At any given time, for the average yearly usage of 3,100 kWh of electricity and 12,500 kWh of gas, switching from the most expensive tariff on the market to the cheapest will save you upwards of £300 per year, which is a huge amount for such little effort.

How to switch

There is a large number of ways in which you can switch your tariff, the most popular of which are switching directly through your supplier or switching through a comparison engine. We recommend the latter; switching through a comparison engine like Selectra or Uswitch will give you a much better overview of the tariffs available to you.

Generally these services will ask you for a little bit of basic information that will allow them to facilitate the switchover without any further aid from yourself. Most comparison engines are now able to switch you over with as little as your name, address and bank details. They may, however, ask you for some additional information in order to make your comparison a little more accurate:

  • Yearly usage
  • Meter type
  • Payment method
  • Current tariff and supplier

Types of tariff

100% renewable energy tariffs are the new trend. As the world energy crisis continues to grow, energy suppliers across the country are beginning to supply 100% green tariffs that remove your usage amount directly from unsustainable sources. These are sometimes a little more expensive than standard tariffs, but this is not always the case. Plus, you would really be doing the environment and the future generations to come a favour.

Fixed or variable: The unit rate should be of the utmost importance, as this is what you times your usage amount by when calculating your bill. Unit rates have the tendency to rise and fall (mostly rise) with worldwide wholesale prices and generation efficiency, meaning if you have a variable tariff, you will feel the curvature of this trend; however, if you choose a fixed tariff, your unit rate will be locked in for a predetermined amount of time, leaving you safe in the knowledge that you won’t suddenly start paying more. You should be careful, however, about the length of your contract, as if you decide to terminate prematurely, you may be subject to some quite heavy fees.

Economy 7: This is all relative to how your meter works. If you sign up or an economy 7 tariff, you must have an Economy 7 meter. Basically, this tariff type will measure your usage based on two unit rates: peak; and off peak. Peak prices will be considerably more expensive and the off-peak prices will be drastically reduced. This is great for those people who don’t spend much time in the house through the day. If you can schedule your high-usage appliances to be in action through the night, then this could be for you.

The Growth of Gaming in the UK

The gaming industry is quickly growing in the United Kingdom. In 2016 alone there was an increase in consumer game spending of 11.1 percent. This growth included both video games and casino gaming sites. The sudden spike in interest raising some questions about why this happens to be the case.

More Mobile Access

One reason for this change can be attributed to the increased availability of video graphic games on mobile devices. In recent years there has been a significant drop in the popularity of gaming consoles. But there was an increase in a number of games that were purchased to be used on mobile devices or online by means of gaming applications. People already have actual devices that they need to play the games, so they simply seek out the games they desire, install it or play them directly. The market rises to the demand.

More Online Casinos

Another reason for the spike in gaming popularity is that there are more casino sites available online than ever before. As the interest in online gambling is increasing, so too are the various options of game types offered mostly by bookies, including poker, slots, mind games, card games and even sports betting at places like http://sports.williamhill.com. This in turn, again increases the interest in online gambling. Most of the games are easy to access from a personal computer and gadgets that is certain to give plenty of fun anytime, anywhere. This makes it an obvious choice for many gamers.

In the past, there used to be a higher stigma related to gambling. But now it seems as though some of those opinions have become a bit more relaxed. Some of the shifting perceptions around it might have to increased exposure. Things tend to have less of a taboo associated with them when they become visible and normalized. Another reason might be attributed to the fact that gaming companies are doing more advertising than ever.

More Public Support

In fact, the U.K. has even seen the launch of organizations whose main purpose is seeking and securing funding for startup gaming companies. The easier it is for the gaming companies to get the money that they need to launch and grow a business, the easier it is for them to continuously offer new and exciting content. Some of this support is due to the fact that the gaming industry has opened up a whole new job market in the U.K.

Some of this support is due to the fact that the gaming industry has opened up a whole new job market in the U.K. Supporters are confident that the industry’s growth will continue in an upwards direction for some time to come. This will continue offering new jobs for people with interest in the gaming industry. Some of whom will even be moving into the country to take them. This will also help make a significant amount of money to put back into the economy.

With the introduction of online gaming, people no longer have to go to physical locations to play games of any kind. This increases the comfort levels around in a variety of ways. As long as online gaming remains convenient and fun for people in the U.K., the industry will continue expanding in a variety of ways.