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Change your Life with these Personal Finance Hacks

There are a number of guides available online that give you advice on a whole range of life hacks. Life hacks are essentially small steps you can take to make life easier for you. However, if you’re able to hack your personal finances, this will put you in a much stronger position as far as money is concerned.

There are several different hacks you can take advantage of, ranging from interest free credit purchases to comparing energy suppliers.

Here are some of our favourite finance hacks that can be especially effective.

Pay off your high interest debts first

If you have debts from multiple creditors such as personal loans, credit cards, store cards or overdrafts, it can be hard to prioritise what gets paid first. What you should be doing is targeting those debts that have the highest interest rates. By paying these first, you’ll now be paying less money towards interest fees and charges. This will help you rid yourself of bad debt, and become debt free as quickly as possible.

Rewards for regular spending

There are a number of credit card companies that give customers rewards for using them. This doesn’t mean you should start recklessly spending money on big ticket items, as this could cripple your finances.

What you should consider doing is, using these cards for everyday spending. For example, if you were going to buy groceries or petrol anyway, it makes sense to be rewarded for it. Each company will offer its own benefits. Lots of supermarkets will even have their own store cards that you can use to accumulate points which can give you big discounts on other products or services the store offers.

Do remember to pay off any credit card balances in full each month.

Understand financial jargon

The more you know the better. Equipping yourself with the knowledge of what different financial phrases mean will help you understand exactly what is going on. You’ll want to know what interest rate, outstanding balance, creditors and insolvency all mean. Knowing this will help you make better informed decisions and help you feel more confident in making the right choices.

Catch the headlines

Watching or reading the news is a great way to understand what is going on in the economy. Besides, how else would you know when it’s a good time to invest or save. Afterall, the last thing you want to do is buy a property at the market peak if you can avoid it. You don’t have to follow every story in depth, just a few key insights on how the market is trending can make a big difference.

Spend less where you’re able to

Many of us have signed up for multiple entertainment subscription services that we don’t really make use of. This could be for a magazine or an online streaming service such as Netflix or Disney+.

If you’re not really making use of that gym membership amongst other subscriptions, it may be time to cancel. This will allow you to stop paying out for things that you’re not making effective use of.

Automating the process

No one wants to make a late payment on credit cards or utility bills. This will make you incur additional charges, and could have a negative effect on your credit score. Fortunately, it’s easy and simple to automate this whole process.

One of the best ways to do this is to set up direct debit payments for these. This will mean that the money will be taken from your account without any action on your part. Many people will set the date for these payments to be taken a few days after they have been paid.

Use budgeting apps on your smartphone

There are a number of apps available on your smartphone to help you better manage your money. Many banks will even have this as a built-in feature within their own application.

These apps can help you closely monitor your spending, allowing you to easily see where your money is going. Once you can see where you’re overspending, you can start cutting back in these areas. Perhaps, you’re eating out too often or you’ve recently watched too many movies at your local cinema.

Save money

Saving money each month can quickly add up to a substantial sum. You can start small and in time you’ll have the necessary funds for a big purchase or an unexpected emergency. Many people have their own personal financial goals, such as saving for a house, car or holiday. Budgeting correctly and exercising self-control will help you succeed here.

We hope you’ve found these personal finance hacks useful. These are just some of the most popular ones out there, and if you’re able to take advantage of them, you’ll thank yourself in the years to come.

Using customised envelopes for party invitations

There are all manner of reasons to send out party invitations – whether it’s a celebration party, an anniversary, a birthday, or even just a general get-together. Every party deserves to be unique, and it’s such a special occasion, why not make the most of it and ensure every aspect of the party is something

Impact of Technology on the Motor Insurance Industry

Technology has a huge impact in our lives and if you look back at how things were fifteen years ago, you will truly appreciate how life has changed. Traditional systems such as banking and insurance that seemed settled by operating in accordance to the legacy principles have been forced to adjust. Cars are being made green as new technologies are helping the producers to create impressive automobiles. Motor insurance has been stable for many years but technology has affected it in no small way, especially with traders-insurance.com insurance. Read on and find out the impact of technology on the motor insurance niche.

Recently, firms have been forced to alter the way they sell insurance cover owing to how customers prefer to buy these policies. People no longer want to go through the lengthy and hectic paperwork when buying cover. They need a faster and more convenient way of doing it through the smart devices. Motor insurance firms need to invest in big data and top notch user experience to customise policies that suit a specific niche of people. This way, you are no longer forced to stick to the traditional polices as you can state out your needs and let the firm craft an insurance policy suited for you. These firms are always looking for useful customer feedback that helps them to improve their services and increase their opportunities.

Cars are being used for different needs since apps such as Lyft and Uber have changed the way people are using them. Someone can enjoy the comfort of a car by just sharing one or calling for an Uber. These new ways of doing things powered by technology have created a shift in the insurance needs of people using or sharing these cars. For instance, the regular comprehensive policy cannot be enough to cover the needs of someone who lets people share their car when they are not using it. An Uber driver will have different needs compared to someone who uses their car for personal needs.

Such shifts have led to many scenarios that might not have been accounted for by companies. For instance, it is hard to understand who will be compensated when someone gets an accident with a car they rented out for a few hours and thus the actual driver who bought the policy was not driving it.

On the positive side, technology has improved car safety with features such as blind spot detectors, sensors and cameras that reduce the probability of accidents occurring. This way, companies are comfortable reducing the policy prices since the chances of accidents are very slim.

Lastly, agencies are getting smarter and use big data systems to gather more intelligence regarding aspects surrounding car cover. Insurance job descriptions are also changing as new recruits are expected to conduct extensive analysis and provide useful insights that will help the agencies to make better decisions in regards to the services offered to customers. Things such as claims adjusting and risk analysis are being conducted more intelligently, which promises to bring a whole lot of great things for the motor insurance industry.

Blow Monkey Nail Dryer

There is no cuter way to dry your nails than with the adorable Blow Monkey Nail Dryer. Simply paint your nails then lightly press on the banana button and this funky little primate will blow a stream of cool air onto your nails to get them nice and dry. Measuring 11cm, this nail varnish dryer

Paul Frank Satchel – Pink

Messenger style bag from Paul Frank featuring a spacious main compartment with a zip fastened inside pocket. Flap cover with magnetic fastening, housing a Velcro-secured front pocket. Branded adjustable shoulder strap and embossed Julius the Monkey on the front with stitch detailing. Measures approx. 35cm x 30cm. Official Paul Frank bag Fully lined Magnetic fastening

Bunny Salad Servers

Is that a little fluffy bunny hiding amongst your lettuce leaves? No – it’s just the cutest salad servers ever invented! It’s often said (usually by men who don’t appreciate the sophisticated charms of romaine, radiccio or lollo rosso) that salad is “rabbit food” – well now it appears they’re right. These bunny ears salad

The Ultimate In Minimalism -Wired Gifts

Nothing… for the person who has everything. The ultimate in minimalism. Less is more, more or less. Nothing is simple. Nothing is sacred. Open the pack and be enthralled when nothing happens. Allow nothing to flow through your mind and calm your soul. Savour the moment. Soon you’ll discover that Nothing really is so much

Bathroom & Bath Designer Ducks

The Pop Dot Duck: “Dot… Dot… Dot…” The Pop Dot Duck bath time buddy will liven up your bath and bring a splash of colour to your bathroom. The Pop Dot Luxury Duck features a multicoloured dotty pattern. The Pop Dot Luxury Duck is extremely cute and highly collectible so snap one up for anyone

9 Best And Unusual Funky Gifts For 2019

When it comes to giving the presents and gifts, it takes a lot of thoughts to give it a presentable as well as personalised gesture. Gifts gives you an amazing chance to make your loved ones feel special and touched. The funky gifts are something you can always gift to your friends and family.

Below are mentioned few funky gift ideas:

Funky bottle opener: Men loves wine and what would be more special for them other than the wine itself, a bottle opener. It looks cooler than it sounds. It is a very quirky gift indeed. The styles and patterns on the opener can be very aesthetic and unique and can also be crafted to represent the man’s personality. This is a very stylish product to gift someone as a present.

 
Guitar shaped keys: You might have seen a key ring in shape of a guitar, but a key itself in the shape of guitar is something very cool, funky and thoughtful all together. This is the perfect present for someone who loves music and especially loves playing a guitar. You can personalise the pattern on the guitar according to your likings to give it more special touch. I am sure, anyone who would be on the receiving side would feel very happy.

Eco Lamp: You can gift a corner lamp which is made up of paper with prints of Tamil stars. A person who loves nature and is very possessive about protecting it, this eco lamp is a perfect give away for him.

Umbrella Wall Décor: Among all the idea we are discussing here, this one is the coolest and funkiest. It is an umbrella which is used as a hook on the walls to hang small things like keys and scissors. It is a useful gift as well as a beautiful one to decorate one’s house. It would be sweetest gesture for someone who likes DIY and feels important with such presents. It can make a place so colourful even if it is a wall over a study table.

Funky Kettle Set: A kettle set with funky and colourful painting and cool quotes written all over is a dream to get one. Being the one to gift it to someone special is like doing the utmost gesture he or she is expecting out of you. It looks so cool while pouring tea out of it. The designs can be very attractive giving a vintage and traditional look. This is a very useful household gift and a very thoughtful one too.

Indian Cushion: A cushion with a cover full of iconic Indian sayings and painting is a perfect give away for her. You can either gift a pair or a single cushion too.