5 Helpful Tips To Curb Your Holiday Spending

by Leon on November 28, 2014

Christmas shopping can get really expensive.The holidays are known as the most wonderful time of the year, and the fact that you get to enjoy quality time with family members and friends, some of whom you don’t get to see throughout the rest of the year, supports this idea. But the decorations, feasts, and gifts that punctuate the season of giving can quickly leave you digging your way out of debt if you’re not careful. And it’s not uncommon for people to get swept up in the spirit of the season and wind up spending far more than they planned or budgeted for. That said, this could be the year that you reach January first without having to resolve to cut up your credit cards, pay down debt, and start saving for next year’s holiday season. Here are just a few helpful tips that could keep you on track for smart spending habits.

Set a budget. The best place to start if you don’t want to overspend is by setting a budget for your holiday shopping. This should include allocating funds related to what you plan to spend on all of your holiday needs, including travel expenses, decorations, food, and gifts. Of course, the area you’re most likely overspend is on gifts, so you need to be particularly careful about figuring out who you want to purchase gifts for and how much you plan to spend on each person. This pre-planning will help you to control your spending and stick to your budget so that you don’t wind up going into debt on behalf of your loved ones. They wouldn’t want you to suffer just so they can get pricier gifts.

Cut your gift list. It’s tempting to get gifts for all of the people who touch your life, from your immediate family, to close friends, to coworkers, to your hair stylist and the barista who serves you coffee every morning. But if you’re working with limited funds, you need to cut to the chaff. Think about the people who really matter to you and take everyone else off your gift list. Or give additional gift recipients something inexpensive like homemade cookies.
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5 Helpful Tips To Break Your Bad Money Habits

by Leon on November 27, 2014

break your bad money habitsMost people experience financial trouble at some point in their adult lives. And this is often at least partially due to the fact that many of us are never taught how to properly manage money. Over time, bad decisions can turn into bad habits where spending and saving practices are concerned. But you can break the cycle. Here are some tips that should help you to break your bad money habits.

Track spending. You can’t possibly hope to break your bad habits without awareness. You probably have some inkling of what you’re doing wrong, especially if you like to shop without stopping to consider whether you really need the items you’re purchasing. And to be honest, one of your worst habits could be shopping without oversight simply because you know good and well that stopping to think about your purchases would sour the shopping experience. When you truly track your spending you can’t help but see where you’re making mistakes when it comes to unnecessary purchases. So becoming more aware is an essential part of determining what your bad habits are so that you can address them accordingly.
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e-cardsWith Christmas around the corner it is important for you to up the ante and align your marketing strategies with the all-pervading festive spirit. Incorporating the holiday business e-cards in to your holistic marketing mix is a great idea— especially keeping the onset of the festival in view. There are a number of reasons why these greeting cards are considered to be wise business investments. Read on to find out more.

In the digital era, the business holiday ecards have emerged as a potent commercial tool for promoting your business. They bring along a bouquet of benefits with them, owing to which entrepreneurs do not shy away from using them. Here is the rundown on the purposes served by them.
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digital advertisingThe world is at a crossroad regarding the issue of environmental conservation. For the last 150 years, the business world has rapidly depleted the environment without considering the future. Well, it seems like the past has caught up with modern business community.

A Small Contribution through Digital Signage

The effects of environmental degradation including climate change are killing businesses. As such, it is the high time as a business owner you started making your small contribution by using digital signage. It might seem like a farfetched idea but when you look at the practical sense, everything falls into place.

To appreciate the impact of traditional print signage as opposed to modern digital signage, consider the following factors:

Durability: Modern LED signage manufacturers are leveraging on durability when creating EMCs. As such, you have less wastage of these signs and this translates to less dumping in landfills. This might be a small step but at the end of the day, it helps avoid further environmental degradation.

No tree cutting: Print messages use a lot of paper and this in turn leads to deforestation. The fact that most of the paper manufacturers do not take proactive measures to ensure planting of more trees makes the situation even graver. Your digital signage helps avoid creating a desert and ruining your business eventually.
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mortgage brokerPurchasing a new home is a daunting task and if this is your first time buying a home, you may feel a bit overwhelmed. The mortgage industry can be hard to understand for a novice so it is important to work with a quality mortgage broker to fully understand just what you are getting in to. Most home loans will be set for 30 years so you must make sure you make the right decisions for your budget as well as long-term goals. When you work with a top-rated broker, you can feel secure in the fact that you are getting quality service and will have a proper mortgage for your new home. Below are a few tips to choosing the best broker for your needs. [click to read…]

personal finance tips for taxi driversBecoming self-employed is a very appealing concept, as you get to choose your own hours, your own rates and in a nut shell – be your own boss!

If you decide to cut the strings and go it alone, it’s worth considering that managing your own finances can prove very tough. Alongside this, you also have to take ownership of your tax and organize your own insurance.

Here at Insure Taxi, we recognize that it can be a big challenge juggling these things, therefore we have put together a list of top tips to help you manage your money.

Seek professional assistance

An accountant can help you get your finances in order and advise you on how much tax your are paying, ensuring that you pay the correct amount and do not end up owing money. If you decide to hire an accountant fully, they can manage all of your finances for you so you don’t have to worry about a thing!
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3 Quick Ways To Reduce Your Spending

by Guest on November 13, 2014

tips to reduce spendingWhen it comes to personal finances there is no shame in admitting that you could do with a little bit of extra money to help you get through the month. However, unless you have a money-making scheme hidden up your sleeve, the best short-term way of getting more cash is to simply spend less. But don’t worry, this doesn’t mean that you have to turn off your heating or switch off the lights; it just means that you need to make sure you’re getting the best deals around. To help with this, there are three simple tips that you can follow.

  1. Write It Out

If you’re trying to cut your spending it is always worthwhile writing all of your outgoings down so that you know exactly where your money is going. As while you may think that you’re being frugal with your money, it is easy to underestimate exactly how much you’re spending on even the littlest of things. Many people, for instance, end up spending much more than they’d planned on unnecessary items such as magazines and newspapers. Another common unnecessary expense which you don’t always realise you’re incurring, is money spent on buying lunch or snacks when you’re out and about or at work. That is why you can only really start to make cutbacks in your outgoings once you’ve got a good understanding of where it is that your money is going. So whether you start to make lunch at home or just cut back on those little extras, you are sure to start saving money without even noticing the difference.

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