No matter how old you are or how much money you’ve currently got in the bank, seeking out the best techniques for ensuring you get the most out of your savings could be very beneficial in the near future. You might feel flush at the moment, but things can change very quickly nowadays, which means you could find yourself on the unemployment line before the end of 2014. With this in mind, it’s important that we all start to use our funds in the wisest way possible. That is the only thing that will guarantee we keep our heads above water if things start to go wrong, and so you should definitely spend some time giving consideration to your options right away.
There are obviously many different methods you could use, but today I’ve decided to write solely about the safest ones available to you. Not everything in this article will be suitable for everyone, but most of you should find something that could help. So, spend the next 5 minutes having a quick read through all the information below this introduction and see if you can’t gain some inspiration from my suggestions.
Cut Back On Spending
The best way to keep hold of any amount of cash is to reduce any outgoings you might have. In most cases, the largest expenditure for UK residents relates to their household bills and food shopping – both of which can be decreased. For the bills, try to use less electric or get onto a different deal that offers lower prices. In the same way, deciding to do your weekly shop at Aldi or one of the other budget supermarkets can result in significant savings, often over 50% for most people.
Consider Making Investments
So long as you’ve got more than a couple of thousand pounds in the bank, identifying lucrative investment opportunities could help to see you keep it all, and even make a profit in some situations. Don’t worry if you haven’t a clue where to start, these days there are many companies out there who deal specifically with tax efficient investments and who will be more than willing to offer you sound advice. At the end of the day, it’s in their interests for you to make a profit, so you can be certain they’ll have their best people on the job.
Get Rid Of Your Car
This is especially sensible for people under the age of 30 who currently pay quite a lot of money out each month to insurers. We’ve got a great public transport system in the UK that makes it simple for anyone to travel around the country in a speedy manner without the use of a personal automobile, and so long as you book all your tickets in advance, it actually works out to be much cheaper traveling this way. On top of that, you’ll be doing the environment a favour.
Well, that’s about all I’ve got time for today. Sufficed to say, you all need to start thinking about using your money to improve your financial situations as we approach 2014. It’s going to be a bumpy ride, but those who identified the need for planning earliest will fare better than the rest of the population.
See you after Christmas!
Okay, let’s get some things out of the way. Social media is an absolute need. It doesn’t matter whether or not you think teens improperly use it and are simply not utilizing any kind of comprehensible dialect on them. These days only Google is bigger than the usual social networking platforms. For a very short time the social media sites has turned into the easiest way for meeting friends, reading news or getting advice for desired products online. In fact, so many social networks have flown the net, so that you may get confused which one to select. Facebook is still the King, although there is a huge competition between them and Twitter. Then there isInstagram, Pinterest, LinkedIn, Google+ and not to forget our old time favorite, YouTube.
Each platform has its own immense qualities and the time people spend on them totally worth it. But when we’re talking about business then you must decide which one of them will achieve monetarily viable fan base that would help you win more target customers. And therefore, today we ask the question, Instagram vs Twitter – where should you invest your time in building a fan base?
These two social website platforms have gained a huge fan base for a short time and have grown in popularity which made them among the biggest internet giants in their own rights. With regards to business, one of them must be better even in just a couple aspects. We’ve decidedto help you choose which one is better, thanks to some statistics. Obviously, what we can do is just give you an advice, the overall decision is in your hands.
Stats of Instagram
With the popularization of theiOS app, now you can have Instagram both as web and Android version. This impressing platform is on full steam ahead without showing any signs of slowing down. With the infusion of Facebook’s pocketbook, Instagram is surely set to only get bigger. Much like YouTube where videos are shared every day, Instagram lets you share both pictures and videos with the rest of the world. Below you’ll find some statistics that can give you a vision on how big Instagram is for now.
- Instagram was founded in October 2010 and till now it’s gaining between 100-150 million active users per month.
- The quantity of traffic that goes through Instagram each day is roughly, 7.3 million people.
- So far, the quantity of photos that have been shared on Instagram is a staggering 16 Billion and it gets 40 million photos posted daily by users.
The following statistics show the various activity on Instagram:
- Volume of likes every second – 8500
- Volume of comments every second on Instagram– 1000
- Monthly, the normal length of time each user spends on Instagram – 257 minutes.
- Another interesting statement is that the biggest Instagram user is between 18-29 year olds
- The data show that women use Instagram more often than men, also
There could be a slight variation in these numbers as they’re all gathered not just from company reports but from other sources, too. But whatever the slight margin may be, you can clearly see just how big Instagram is. And the best thing for Instagram is that it couldn’t be destroyed by the giant of Facebook as its goal is to move forward and become larger and better.
Data of Twitter
Everybody has heard about Twitter. And as the biggest competitor of Facebook, it disserves our great attention. Arguably second to Facebook as far as social media platforms go, Twitter has, over its several years of existence, transformed itself into an unstoppable force of connectivity. It’s being used by thousands of companies, government offices, high profile people or just usual individuals in their everyday life. Well, Twitter is not a source for a lot of information right now but it’s the best place where you can share your thoughts, opinions, productfeedbacks, photos or everything else. There are also sites that will allow you to Buy Twitter Followers to increase web presence. Here are some statistics which will help you compare Twitter to Instagram, and make you realize how big the first platform is yet.
- Number of registered users – 554,750,000
- Number of people signing up every day – 135,000
- All of them makes about 58 million tweets every day
- Another fact shows that Twitter has about 2.1 billion queries on various search engines – again daily
- The quantity of unique visitors on Twitter each month – 190 million
- Quantity of effective users every single month – 115 million
- About 40% of individuals simply watch others tweets
- The extraordinary fact is that the amount of tweets per second is 9,100
There, these are the numbers as far as the two platforms are involved. Mathematicians insist that numbers don’t lie. Based on this information, Twitter stays at the top of the chart. But that is only for the moment. In fact, Instagram is an extremely young platform and doesn’t have the experience of Twitter yet. Anyway, the most challenging times are coming for Facebook who’ll need to improve its performance to continue feeling like the King of the social networks. So the big question remains, Instagramvs Twitter – where will you invest your time in building a fan base.
Believe or not, the proper answer is… Select the both!To run an effective marketing strategy you should use each of them. In fact, if you browse them more carefully, you’ll understand how different are those two social media sites and what a unique value each of them have. While the power of Instagram is hidden in its purely visual function, Twitter involves smart wordplay. With Instagram, you can post photos and videos related to your business and we all know that people love videos and photos as a message medium. With the ever fleeting attention spans it has something which will help your business grow.
But what you should consider is this, Twitter now has bigger numbers and the chances that somebody is going to tweet about whatever picture or video you just put up on Instagram as a company is very high. You need to be able to know what people are saying about you on a platform that gets 2.1 billion searches every day on Google and Fifty eight million tweets daily. Like any businessman, you’ll need to know what people are saying about you in Twitter which has more than half a billion registered users till now. While browsing this social media, you’re already doing a great marketing research for your firm. So, the decision that you need both platforms for your marketing campaigns remains. The usage of these two social media sites in a combination is the perfect solution for you. In case you have any information or just need some additional advices, feel free to contact us at Followers Boost and we’ll show you how to manage your social media accounts, so that you can build your social identity on the network and gain more target clients
Because you work very hard to earn the money that you have, you must find the best way available to you when the purchase of a new or used car is in your future. The Money Advice Service.org website says, “There’s a lot of money involved. In fact, it’s probably the second most expensive thing you’ll buy after a home.” It’s not a simple decision; it’s an expensive venture that requires careful planning and attention to details so that you won’t buy a car that you can’t really afford. By following some common sense tips, you’ll be able to get a good deal, a car that you can afford, and a payment that you can make on a regular basis.
Competitive used car loans can provide you with reliable transportation and an attractive car that you can afford
Point #1-Be sure that you can make the monthly payment. You need to think about your income, the total of your monthly expenditures, and the balance that you have between the two. Making the monthly payment to which you agree is important in maintaining good credit history for any other purchases that you may want to make in your future.
Point #2-Do some competitive shopping for the best rates on car loans. If you can make a sizeable deposit on the purchase of your vehicle, your payments will be smaller and you’ll save a great deal in interest. It is very important to remember that you do not want to deplete your savings account with the deposit on a car. You must have funds set aside for emergencies that are sure to arise in your life.
Point #3-Set limits on the car that you’ll purchase. It’s wise to get a target price in mind so that you won’t enter a car dealership, see a shiny new car, and make an impulsive purchase that you’ll regret. Make a budget and stick to it so you will feel confident about the purchase that you made.
Point #4-Check for any early pay-off penalties. If you are an excellent saver or you receive a bonus for exceptional job performance you may want to use these funds to either pay down or pay off your car loan. Before you agree to any contract, it’s wise to check for any penalties for early payment.
Point #5-Choose the used car loan that suits your individual needs. If you are buying a good used car, you should check for a loan that meets and exceeds your needs and one that is easily met. You can shop around on the Internet for the best UK rates and find one that works within the budget that you set. Having good self-discipline when it comes to buying a car is paramount to the satisfaction that you’ll have with the deal that you make.
It’s always smart to only buy what you can afford and what your finances will support. By considering the points above, you’ll be ready to make your purchase in an educated and prepared manner.
There are many different ways of finding a new team leader from among your staff. However, are you happy with the methods you have been using lately? It can be tough to look at a technical member of staff, for example, and try to work out how they would do as a team leader simply from a short interview.
If you are looking for a new way to sort out who in your current workforce is ready to be promoted then an interesting idea is to take the whole team on a treasure hunt such as those run by Wildgoose Scotland. It might not be the sort of solution you were expecting but it can work wonders in terms of letting you see what kind of personality your promotion candidates have.
Treasure hunts are fun affairs which are used for a variety of different reasons. While we are considering them for looking at team leadership skills they are also useful for team building or for fun away days, as well as for non-corporate reasons such as stag or hen dos. In each case the format is pretty much the same anyway. Each team of treasure hunters will be given a tablet on which they can follow the questions being asked of them and also see how the other teams are getting on. It is thrilling event and you can ask for the series of clues to be based on just about any city or location you might be interested in going to. Going away from your home city and seeing somewhere new might be a good idea for making it even more interesting for everyone.
What Will You Learn?
If you decide to use a Wildgoose corporate treasure hunt as a way of working out who is most suitable for a promotion to team leader then there are a few things which the day will teach you about them. First of all, you will see who are team players, more interested in helping their team win than in trying to grab individual glory all the time. These people are likely to listen to the opinions of their team mates and try to do things together. If they work like this on a treasure hunt then it is a good sign that they would do the same in work as well. Another factor to look out for is that of who is good as solving puzzles. There are many different situations in which a team leader needs to resolve issues which might be new to them. While the treasure hunt clues might not be related to your line of work at all it is clear that someone who is excellent at solving problems can usually do so in just about any type of situation. All in all, while the workers get a lot of fun during the treasure hunt you can learn an awful lot about who your new team leaders are likely to be.
Figures show that stress is rife in the UK, with the causes varying from person to person. Research commissioned by Mind (a mental health charity) found that everyday working life is the number one cause of stress; however this was closely followed by money, debt and financial related stress.
Finance Related Stress
With the economy heading in only one direction these statistics may come as no surprise to you. Unemployment rates are at their highest in decades which has meant that many are struggling to make ends meet. We’ve all been in the situation where we’ve overspent and have found ourselves struggling to get through to payday; and it’s worrying. Being faced with this scenario on a monthly basis can feel like a constant battle and when you introduce debt on credit cards or short term loans, it becomes a real problem.
Debt and Stress
Further research by the European Journal of Public Health revealed some very interesting information. It showed that people who have debt to their name are three times as likely to suffer from mental health problems, compared with those who are debt free. The report also revealed that the level of debt rarely affected the severity of the stress, for example someone who was falling behind on their mortgage were no more stressed than someone who was struggling to repay their student overdraft.
The associated press recently carried out a survey surrounding debt and mental health. Shockingly the survey showed that 23% of people with debt suffer from severe depression while 29% suffer from severe anxiety. This therefore shows that over half of people with debt suffer from some sort of mental health problem due to their finances.
Dealing with Finance Related Stress
There are many different ways to cope with financial stress and anxiety. Often the reason why people get caught up in a debt trap is because they’ve buried their head and pretended that nothing’s happening. This is not recommended nor is it sustainable, there comes a time where debt is unavoidable, and it’s important that before reaching this stage you talk to someone about it. Talking to a financial advisor and accepting your debt problem can be daunting however it is the best route to take on your pursuit of financial freedom.
Having calculated the extent of your debt problem (which is often not as overwhelming as you first thought) your next job is to get in contact with your credit providers. Providing you show that you are working hard to clear your arrears and you are willing to work with them going forward, the creditor is likely to be very understanding. By formulating a payment plan that fits your budget you are well on your way to getting debt free.
It is very important that when dealing with debt that you are mentally strong – it will be tough which is why you need to be 100% focused on that goal of financial freedom. Despite this, there are times that you need to simply forget about debt for a few hours. Different people will have different getaway strategies, many find that going to the gym or running relaxes them (and science also backs this up), others turn to technology, sport or cooking in search of a release.
The Final Word
Debt can have a massive influence or your mental health which is why it is so important that you ensure you’re always in control of your finances. A budget should ensure that you are never struggling to make ends meet and provide you with the financial foundations to set ambitious financial goals and get your finances heading in the right direction.