When you have your own place, you will already know just how heavy your workload can be. Because not only are you trying to work and have a social life and a relationship, but you also have a house to take care of too. And […]
Last month, I was going it alone in the Button home as Mike was away working at Milton Keynes. While juggling Baby Button alone is tough (especially when he decides to cut four teeth at once…) Mike came back with some beautiful pictures that I […]
If you’re not happy with the savings in your bank account then the answer is probably: “yes, you could be doing more to manage your money”. You might earn a decent income and cover your costs, but that doesn’t necessarily mean you’re managing your finances as effectively as possible.
Update your budget regularly
The best way to manage your money is to regularly return to your budget. And if you don’t have a budget then you definitely need to create one. Budgeting is a smart way to keep track of your expenditures and income. Otherwise, it’s very easy to overspend. You might know how much you’re earning, but can you mentally keep track of every little expense you face on a monthly basis? Write up a proper budget for yourself and take into account utilities, rent, food, petrol, and other necessary bills. That way, you’ll know how much money you have to set aside for basic costs; you’ll also know how much money you have remaining for non-essential costs. You need funds for those little costs like the occasional snack from the vending machine at work, the parking charge for the weekend trip to town, and so on.
It’s important to update this budget regularly to account for changes in your life. You might change your phone plan, your car insurance could become costlier, or your energy bills might increase. You need to track fluctuations in your monthly expenditures so that you know how much disposable income you have on a regular basis. That way, you’ll be able to stop yourself from living beyond your means. Of course, disposable income isn’t necessarily “spending money”. As we’ll discuss in this article, there are much smarter ways to save and invest those funds. You just need to work out what you can afford. And if you want to increase your available “excess cash” then the following point might help.
Seek good credit
Not all debt is bad, and credit cards shouldn’t always be avoided. Building up a sturdy credit history can actually help to improve your finances. Good credit proves that you can manage your debt. It proves that you can borrow money and pay it back promptly. That’s what lenders want to see when giving out loans to people, so you should be seeking ways to improve your credit score if you want to manage your money more effectively in the future. You might want to check out Bonsai Finance if you have a bad credit rating and want a loan. Breaking the cycle could give you an opportunity to improve your credit by paying back a loan on time. This will make it easier for you to borrow money in the future, and that’ll definitely help you and your family in a financial sense.
Save money on each payday
You could be doing more to manage your money by setting aside bigger portions of your earnings more regularly. It’s about giving you and your family a safety net for the future. You can use financial apps to help manage this on your phone, making sure your finances are in the palm of your hand.
When the colder months start to creep up on you there is a sudden urge to change up your household. This is quite a smart idea seeing that your home operates in a completely different way when the weather is freezing cold. You can make […]
Sometimes it’s nice to indulge ourselves, and when it comes to our homes, the bedroom is the one place you can really enjoy the indulgence. This is the room that is solely yours or maybe shared with a partner, but you sleep there every night. In theory, we spend more time in our bedrooms than we do anywhere else in our home, but yet it is very low on the redecorating priority list. So I thought now is the perfect time to share with you a helpful guide on how you can overhaul your bedroom.
Make sure the bedroom is clutter free
A great first step in any redecorating project is to begin the decluttering process. Your bedroom, especially, can be a place where clutter can gather without you even realising. This might be because you don’t have enough storage, or simply the item has nowhere else to go. Decluttering your bedroom could make it feel bigger overall, and helps you to understand what you have to work with. Often clutter can make a DIY project feel worse in some way.
Treat yourself to some new bedroom furniture
New bedroom furniture is an indulgence we often don’t treat ourselves to too often. So if you are planning on overhauling your bedroom, you may as well go all out and invest in some new key pieces. It might be just the bed and mattress you focus on, or perhaps new wardrobes that could help you create more storage. Go on, treat yourself.
Stick with a colour choice that you are happy with
Colours are so important in a bedroom. While you want to ensure that your personality shines through, it’s also worth remembering that this room needs to be a calming place, so that you are still able to get a good night’s sleep. Some colours are worth staying away from as there are even studies to suggest that they don’t benefit you when it comes to sleeping. I think a pastel shade or something neutral will always work well and stand the test of time.
Create new and unique features
One of the great things you could consider would be to create new and unique features to your bedroom. It might be a seat, or creating a window seat that you could read from. A carpenter could create a great frame, foam for comfort and material to match your new theme. You can see here for more information about where you can get some inspiration.
Scented candles can work well in a bedroom space
Scented candles are definitely an indulgence we can take advantage of in our bedrooms. Not only can we use particular scents to create a calming ambiance, but they also look amazing. Some people opt for some of the heavy duty glass jar candles, which not only look good but stand the test of time.
Invest in things like lighting and flooring
Finally, spare a thought to how well the lighting is in your bedroom and what you walk on. Flooring and light fixtures are key for completing any bedroom overhaul. Investing in new carpets or wooden flooring can change a room completely while adding more light can give the element of space.
I hope this guide helps you makeover your bedroom soon.