Tuesday, 28 July 2009
Budgeting help from Netspend
If you find yourself going into your overdraft each month, despite all your best efforts, there may be a product out there for you to help you stick to your budget.
Netspend is a Prepaid Debit Card that is loaded with money you place onto it. This means you cant go into your overdraft and incur any nasty charges.
Leave your credit and debit cards at home for emergencies and use the Netspend card as your everyday card, reducing the temptation to spend on unnecessary items.
Used in conjuction with the Budget Planner, you will be on top of your finances in no time.
This post was sponsored by a third party
Netspend is a Prepaid Debit Card that is loaded with money you place onto it. This means you cant go into your overdraft and incur any nasty charges.
Leave your credit and debit cards at home for emergencies and use the Netspend card as your everyday card, reducing the temptation to spend on unnecessary items.
Used in conjuction with the Budget Planner, you will be on top of your finances in no time.
This post was sponsored by a third party
Labels: budgeting, credit cards, debit, help, prepaid
Tuesday, 20 January 2009
Bored of the Credit Crunch
A lot of my time is spent reading article upon article about the current financial crisis, all offering numerous tips on how to reduce debts, reduce costs and improve my finances.
I don’t know about anyone else, but I’m getting a bit bored of the doom and gloom. So bored am I, that this is the first and last time I’m going to mention the dreaded “Credit Crunch” in this article. No more! Instead, I thought I’d suggest a few ways to turn the negative situations arising from this “predicament” into positive ones.
Unemployment
The last few months have seen numerous redundancies and employers reducing the hours of their workers. If this is you, or you foresee this happening to you, I can empathise but let me try to put a positive spin on this.
So you’ve got a bit more free time on your hands? It’s often said “there aren’t enough hours in the day”. You’ve now got a few more to play with. Why not build on your skills by enrolling on a training course? There are plenty out there, ranging from floristry to plumbing, teaching to alternate therapy. Check out your local college- you may even be entitled to government funding. Click here for more details.
Temporary work is also a good way of filling the gap while you wait to find something more permanent. There is an array of different opportunities that may even lead to a permanent position. It also shows future employers that you are willing to put in some real effort and not just wait for something to drop into your lap.
It might not be possible for you to enrol on a course or find temporary work so use your time to get rid of that dreaded list of odd jobs about the house. Not only will it help keep your mind off any worries but it may even lead to a future career as a handy-person or painter-decorator.
Living the good life
Now would be the ideal time to start producing your own food. Not only will it save you money, you’ll also reduce your carbon footprint whilst knowing exactly what’s going into your food. Lets face it, self sufficiency and home cooking IS the new rock and roll! Want some tips on how to start your own vegetable garden? Visit the BBC’s guide.
Improved Health
With less money to spend, our automatic reaction is to cut back on the luxury items that normally cause us the most harm. Takeaways and alcohol are two offenders when it comes to piling on the pounds but will also probably be the first things we cut down on, not only helping our wallets but our waistlines too.
Interesting Town High Streets
A year ago, the town of Pudsey in West Yorkshire consisted of a small variety of shops and commercial property. It was dominated by estate agencies, travel agents and betting shops amongst others. This made for an extremely dull town centre with very little going on. Look at it today and over 50% of the estate agencies have vanished and it’s likely that a number of the other stores will go too. Let’s hope this signals a re-birth of town centres with independent retailers returning and offering the more personalised service we’re all in need of.
Concluding Thoughts
So instead of reading the online articles and watching the news and letting it get you down, try looking for the positives. The Budget Planner, used regularly, can help take care of the negatives and leave you to concentrate on the positives.
I don’t know about anyone else, but I’m getting a bit bored of the doom and gloom. So bored am I, that this is the first and last time I’m going to mention the dreaded “Credit Crunch” in this article. No more! Instead, I thought I’d suggest a few ways to turn the negative situations arising from this “predicament” into positive ones.
Unemployment
The last few months have seen numerous redundancies and employers reducing the hours of their workers. If this is you, or you foresee this happening to you, I can empathise but let me try to put a positive spin on this.
So you’ve got a bit more free time on your hands? It’s often said “there aren’t enough hours in the day”. You’ve now got a few more to play with. Why not build on your skills by enrolling on a training course? There are plenty out there, ranging from floristry to plumbing, teaching to alternate therapy. Check out your local college- you may even be entitled to government funding. Click here for more details.
Temporary work is also a good way of filling the gap while you wait to find something more permanent. There is an array of different opportunities that may even lead to a permanent position. It also shows future employers that you are willing to put in some real effort and not just wait for something to drop into your lap.
It might not be possible for you to enrol on a course or find temporary work so use your time to get rid of that dreaded list of odd jobs about the house. Not only will it help keep your mind off any worries but it may even lead to a future career as a handy-person or painter-decorator.
Living the good life
Now would be the ideal time to start producing your own food. Not only will it save you money, you’ll also reduce your carbon footprint whilst knowing exactly what’s going into your food. Lets face it, self sufficiency and home cooking IS the new rock and roll! Want some tips on how to start your own vegetable garden? Visit the BBC’s guide.
Improved Health
With less money to spend, our automatic reaction is to cut back on the luxury items that normally cause us the most harm. Takeaways and alcohol are two offenders when it comes to piling on the pounds but will also probably be the first things we cut down on, not only helping our wallets but our waistlines too.
Interesting Town High Streets
A year ago, the town of Pudsey in West Yorkshire consisted of a small variety of shops and commercial property. It was dominated by estate agencies, travel agents and betting shops amongst others. This made for an extremely dull town centre with very little going on. Look at it today and over 50% of the estate agencies have vanished and it’s likely that a number of the other stores will go too. Let’s hope this signals a re-birth of town centres with independent retailers returning and offering the more personalised service we’re all in need of.
Concluding Thoughts
So instead of reading the online articles and watching the news and letting it get you down, try looking for the positives. The Budget Planner, used regularly, can help take care of the negatives and leave you to concentrate on the positives.
Labels: beat the credit crunch, bored of credit crunch, budgeting, credit crunch positives
Monday, 10 November 2008
The Budget Planner Introductory Post
Welcome to the first post from The Budget Planner.
We are going to use this blog to tell you about our Budget Planning exploits which, hopefully will help you to make your money go further.
We would also like you to share any budgeting tips you may have and welcome any comments on our posts.
We are going to use this blog to tell you about our Budget Planning exploits which, hopefully will help you to make your money go further.
We would also like you to share any budgeting tips you may have and welcome any comments on our posts.
Labels: budget planner, budgeting, money saving
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