5 Great Ways to Save Money

Saving money is one of the most popular new years resolutions that people have. Saving money isn’t that complicated but there are probably some things you’re doing currently that are hindering your ability to save..

With this in mind, below are 5 great ways to save money in 2017.

1. Set specific monthly targets

Setting monthly targets is a very good way to save money. It’s well known that the more specific your goals are, the more likely you are to achieve them. SMART goals have become the standard when it comes to goal setting and using SMART goals is an excellent way to save money in a way that you can track.

2. Get the right car insurance policy

Getting the best car insurance policy you can is a great way to save money. Many people simply go with the first insurance provider they contact but this is not a good idea since you can easily end up overpaying. If you have specialist needs, such as a horse trailer that you need to insure then a good tip is to get cover from a specialist provider. You can get quotes from a panel of specialist horsebox insurance providers at http://www.rwst.org.uk/.

3. Consider a new career

Saving money is much easier when you have more of it. If you’ve been thinking of changing career for a while then this could be the perfect time to make the move and start earning more money. Thanks to the internet, there are now several ways you can make money from home so you’re not only limited to finding employment.

4. Get a pay as you go mobile

Most people get phone contracts to avoid the heavy expensive of buying a phone outright. However if your contract is coming to an end then you can save a significant amount of money by switching to a pay as you go sim. Just make sure your phone is unlocked so you can use any sim card with it.

5. Don’t spend to cheer yourself up

Retail therapy is now more prevalent than ever thanks to internet shopping. It’s very easy to simply spend money on things you don’t really need just to cheer yourself up. This is never a good idea and will make it very hard to save money if you do it on a regular basis. Try to limit your spending to things …

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Is Letting Property The Right Career Move for You?

Letting property can be an extremely lucrative venture if you go about it in the right way. Due to the unstable economy, a lot of people simply cannot afford to buy a house anymore and therefore are choosing to rent instead.

You can take advantage of this by investing in property to let out.

Below are some of the most important practical considerations when letting property

  • Keeping your property occupied – Keeping your property occupied is important for a couple of key reasons. Firstly and most obviously, when your property is occupied you’re receiving a regular return on your investment. Secondly is the fact that unoccupied property is at much greater risk from things such as theft and vandalism; not to mention squatters.
  • Finding the right tenants – Just as important as keeping your property occupied is finding the right tenants. Some of the biggest headaches that landlords have to deal with are due to difficult tenants so you should be as selective as possible. Background and employment checks are a must but you should also use your intuition to discern if a potential tenant is suitable or not.
  • Investing in the right type of property – If you want to succeed as a landlord then investing in the right type of property is crucial. Location is of course extremely important but so are the types of properties you buy. Apartment buildings are always a good choice since they enable you to get rent from multiple tenants from within the same property. If you’re uncertain which type of property to invest in then don’t be afraid to get outside advice.
  • Getting insurance – Getting the right insurance is another key part of letting property successfully. A simple building insurance policy will not cut it when you’re letting out property to the public. You need to protect yourself for other risks such as theft, vandalism, loss of rent and liability claims. If you own specialist property, such as listed or thatched roof property then you’ll need a policy from a specialist provider. You can find quotes online very easily from sites such as Thatched Insure.
  • Day-to-day running of your business – If you’re letting property then you need to think of it as a business and not just an easy way to bring in some extra cash. There are plenty of things you’ll need to deal with, such as the
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5 Great Careers You Can Do From Home

With the job market being as unpredictable as it is and so many companies having to let employees go, an increasing number of people are now looking for ways that they can make money from home.

The good news is that the internet has made it possible to pursue a wide variety of career paths from home so you no longer have to be dependent an an employer for work.

Below are some of the best career paths for working for yourself from home.

1. Freelance writing

Freelance writing is something that many people now make a very good living from. Writing is something that’s constantly in demand. This makes sense when you think about it. The abundance of content online has to be written by somebody and a lot of businesses simply don’t have the time to write their own content, which means there’s a great opportunity to make money from it for those who can write to a good level.

2. Graphic design

Graphic design is another career path you can pursue from home. Graphic design isn’t for everyone however and there are certain skills you should have already, or at least feel you could attain before you pursue such a career. The great thing about graphic design is that there really isn’t a ceiling to how much you can earn. You’re only limited by your only talent and skill set.

3. Freelance artist

Working as a freelance artist is another great way to make money from home. It would be useful if you already have a good level of skill and talent for art before pursuing this career though, since it can be very competitive and getting good enough to make money is not something you can do in a matter of weeks or even months. That being said, there’s nothing to stop you making it a long-term goal since, contrary to what a lot of people believe, art is something that anyone can improve at. 

4. Buying & selling online

If you don’t have any marketable skills already but you want to start making money straight away then one of the best ways is by buying and selling online. You can choose to sell through a website such as eBay or through your own website. The advantage to selling on eBay is that you already have a large audience to sell to. However selling on eBay …

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Things to Know If You’re Thinking of Becoming a Lorry Driver

Driving a lorry for a living can be a great way to make a living, especially if you’re not the type of person who likes to be stuck behind a desk all day.

There are certain things you should be aware of if you want to become a lorry drive though.

Below are some of the most important.

It can be very stressful

It might seem obvious but driving a lorry for a living can be very stressful at times. A lot of the time is spend driving on motorways, which is usually the least stressful part of the job since there’s enough room to maneuver but driving in built-up cities, on narrow roads is when it can be a lot more challenging. Because of this you should be the type of person who can deal with such stressful situations well.

You’ll be away from home a lot

As a lorry driver, you can also expect to be away from home a fair amount, especially when driving across the country. Depending on the hours you work, you’ll often need to stay overnight at the various locations you deliver to. This isn’t a problem for everyone but if you have a young family then it might not be the ideal situation.

You’ll need the right cover

Lorries are much larger and more expensive than an average car so you need to get a special type of cover for them. Depending on the company you work for, insurance might not be something you need to take care of yourself but if you do, you’ll want to find out what cover options are available and get a policy that suits your needs.

You can find out more about truck insurance at http://www.multiquotetruck.co.uk/

You’ll need the right training

 

In order to drive a lorry, you need to acquire the Driver Certificate of Professional Competence (CPC) in order to show that you can competently and safely drive such a large vehicle. There are plenty of good training companies out there who you can get your CPC training from.

You’ll need to meet the requirements

Not just anyone can become a lorry driver. You need to meet certain requirements in order to be eligible to drive a truck and do your CPC training. Two of the most basic requirements are that you’re at least 18 years old and have a full UK driver’s licence.

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Things That Affect The Cost of Taxi Insurance

Insurance is a major expense for taxi drivers so if you do drive a taxi then it’s very useful to know what the major factors are that affect the cost of a taxi insurance policy.

Below are some of the main ones –

Type of taxi insurance

The type of taxi insurance you get will certainly affect how much you pay. The two main types of taxi insurance are public hire insurance and private hire insurance.

Private hire insurance is typically cheaper than public hire, all other things being equal. This is because public hire taxis are safer on average since they can only be pre-booked and cannot accept fares from public places.

Value of your vehicle

The value of your vehicle is a big thing that will affect the cost of taxi insurance. If your vehicle was written off and needed to be replaced then your insurance would need to cover that so insurance providers will always consider how much your vehicle is worth.

Level of cover

The level of cover you take out is another thing that impacts the cost of your cover. For example a third party only policy will cost considerably less than a comprehensive policy that includes extra levels of cover such as breakdown assistance.

Your age

Your age is always an important factor when taking out any kind of motor insurance and certainly the case with taxi insurance. Drivers under the age of 25 are statistically more likely to be involved in accidents so if you are under 25 then you can expect to pay more for cover.

Current NCB

Your current No Claims Bonus will alter the cost of taxi insurance too. Just like with regular car insurance, insurance providers will consider the amount of NCB you currently have when coming up with a price for the policy.

How you pay

Most people will pay for their insurance monthly since it means you’re able to spread the cost. If you can pay for your policy annually though, then you’ll be able to make a good saving with the majority of insurance providers. Always be sure to push for the best deal when you do this.

The insurance provider

Price can vary quite a bit depending on the insurance provider so it’s always worth getting quotes from a lot of different insurance providers when you want to save money on taxi insurance.…

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Getting Started as a Van Courier

If you enjoy driving and working with the public then working as a courier could be the perfect job for you.

Below are some of the most important things to think about when getting started as a courier.

Finding work

When it comes to finding work as a courier you can either choose to work for a major courier firm or set up on your own as a freelancer.

When working for a company, you have the guarantee of a steady income and regular work. You also often get benefits such as a company vehicle and paid holidays, depending on the company.

Working as a freelancer on the other hand comes with its own challenges. There are lot of pros and cons of working as a freelancer generally, and this certainly applies to working as a courier.

One of the biggest challenges of working as a freelance courier as opposed to working for a company is that you’ll need to find your own stream of steady clients. This certainly isn’t impossible but with so many trusted courier firms out there now, it can be quite difficult to find customers who are willing to trust their parcel to a freelancer with no name/reputation.

However there are also some major benefits that come with working as a freelancer, such as being able to choose which customers you work with and also choose when you can take time off.

Ultimately you should think about what’s most important to you and how flexible you are.

Getting a vehicle and insurance

The most fundamental thing you’ll need in order to work as a courier is your own vehicle, preferably a van. Vans are not hard to find so you shouldn’t have too much trouble getting one at a reasonable price.

As well as a van, you’ll also need to get the right type of cover. In this case you’ll want to get a good courier van insurance policy that will not only cover you for road risks but also protect the parcels you carry too. Courier van insurance policies can be very highly tailored and in addition to getting cover for road risks and goods in transit, you can also get cover for things like breakdowns, liability claims and windscreen repair.…

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Running a Newsagent

Many people like the idea of running their own business but are put off by the barriers to entry, such as having to invest in a premises and employing staff. Not to mention the uncertainty of whether the business will succeed or not. 

Running a newsagent is a very viable way to run your own business however. Providing you get the fundamentals right, you stand a great chance of making it a success.

Below are some of the most important considerations when you’re thinking of running your own newsagent.

Practical considerations

  • Location- Location is extremely important when you run a newsagent. Unlike most other business types, advertising isn’t really effective for newsagents so being in a good location that’s convenient for customers is a must. Just this one thing alone will have a big impact on whether the business is successful or not.
  • Insurance – Having the right insurance is crucial when you run a newsagent. Newsagent insurance doesn’t just cover your building but also contents and cash, liability claims, stock, business interruption and goods in transit. Newsagents can unfortunately be targeted by criminals who view them as an easy target so having a good insurance policy in place is a must.
  • Security – Security is another thing that you need to think about when you run a newsagent. While there’s nothing you can do to eliminate the risk of being targeted by burglars completely, there are steps you can take to make your shop more secure. Installing CCTV and a security alarm will help to keep your business safer for sure.
  • Working hours – One of the most important aspects of running a newsagent is to have regular opening hours that your customers can rely on. You should think about what hours you are prepared to work because it’s not unusual for a newsagent to be open 12 hours a day or more.
  • Competition – When thinking about the location of a newsagent, you should know what competition is close by, whether it’s other newsagents or supermarkets. The amount of nearby competition will certainly affect how successful your business is so this is important information to find out.
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How to Increase Productivity When You Work From Home

An ever-increasing number of people now work from home. Working from home is a double-edged sword. Yes – you get to make your own hours and have the freedom to take time off when you want.

However the downside is you need to be very self-motivated in order to accomplish your goals. With this is in mind, below are some of the best ways to increase productivity when you work from home.

Eliminate distractions

There’s no doubt that eliminating distractions is one of the key things you need to do in order to do your best work. Distractions can come in many forms when you work from home. One of the biggest is wasting time on the internet rather than getting work done.

There are some excellent apps that will lock your access to the internet for a period of time that you decide. They are an excellent way to help you focus if you find that you can’t trust yourself.

Distractions can also include your TV, radio or even something like a book or magazine.  Because of this you should try to keep your work environment as distraction-free as you possibly can.

Have a separate office for work

One of the best ways to increase productivity when you work from home is to have a separate office for working in. Many people who work from home make the fatal mistake of working in the same room that they sleep in. This is not a good idea.

The environment you work in certainly has an impact on your mindset and if you’re working on a computer in your bedroom then it’s not going to lead to the best work.

Setting up a home office will help you to eliminate distractions, whether it’s in the form a TV, games console or radio. When you create a home office, you can make it solely focused towards productivity and this one step alone will certainly help you to get more done.

Prepare for the worst

When you work from home, you want to know that your home is safe. This means protecting it from potential risks such as burglary, fires, flooding and even damage from subsidence.

Most home insurance policies will protect your home for theft, break ins and fire damage. However if your home is susceptible to subsidence then you’ll need to get a separate subsidence insurance policy. http://www.subsidenceinsure.co.uk/ is an …

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Data analyst tops the list of graduate careers with best prospects

The Independent recently published an article on the student graduates with the best career prospects in 2017. In the digital age, it’s no surprises that the top two careers are data analyst and technical architect. Technical positions such as these are only going to be more in demand in the coming years, as the advancement in technology means that more and more roles are filled by robots.

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However more traditional career paths are still in high demand, with plumbing being 3rd on the list. Plumbing has been viewed as a very lucrative career path for a good number of years now and that doesn’t look to set to change anytime soon. Plumbing can often be viewed as a fairly simple job, especially in comparison to the other careers mentioned above. However there is a lot more to it than meets the eye, with communication skills and the ability to understand technical drawings both paramount for pursuing a career in plumbing

Other careers on the list include senior account, HR manager, information security specialist and Java developer.


While recently graduated students might be looking forward to their future career with optimism and enthusiasm, there are plenty of people who have found themselves stuck in jobs that they no longer enjoy. The Guardian published a piece recently that covers the top five signs that you should quit your job. 

Unsurprisingly, one of the main tell-tale signs that your job is unfulfilling is constantly watching the clock. Other things on the list including Sunday night blues and not getting enough recognition for doing your job well.…

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Insuring Your Business Vehicles the Smart Way

If you run a business that relies on the use of multiple vehicles then you want to go about insuring them in the right way. Whether you run a taxi firm, haulage business, courier or any other type of business that makes use of several different vehicles – you’ll need to make sure they are properly insured for all risks.

If you’re currently insuring your vehicles on separate policies then you are missing out on the benefits of insuring them as a fleet. Fleet insurance is specially designed for businesses and individuals that have multiple vehicles that need to be insured.

Whether you have less than a dozen vehicles, or a large fleet – fleet insurance provides some unique benefits that you should be aware of.

The benefits of fleet insurance

  • Save time – One of the big benefits of insuring your vehicles as a fleet is that it helps save a lot of time compared to getting individual quotes. Another great thing about fleet insurance is that you can easily add any new vehicles that come into your possession onto the policy as and when you need.
  • Save money – Saving money is one of the biggest reasons to get a fleet insurance policy. When you insure your vehicles together you can usually save a significant amount of money. Insurance providers will take several factors into account when calculating the cost of a policy, including the number of vehicles being insured, the value of the vehicles and the driving history and experience of the drivers.
  • Insure different types of vehicles – Another significant benefit of fleet insurance is that you’re able to insure different types of vehicles together on the same policy. For example, if you have a mix of cars and vans that need to be insured then this is not a problem.

Keeping costs down

Below are some of the best ways to keep the cost of a multi vehicle insurance policy to a minimum.

  • Make vehicles secure – Making your vehicles secure is always important when you want to keep the cost of insurance down. Securing your vehicles reduces the chance of theft and vandalism and therefore means you’re less likely to make a claim. As a result the price you’re quoted by insurance providers will be significantly lower.
  • Hire selectively – Being selective with the drivers you hire is extremely important when it comes
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