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Rants and Raves of a Bum




Money is a major source of stress, whatever your age. Even in our younger years, we must make sure we have enough money to pay the rent and cover any other bills. When you grow older, your financial worries grow too. After all, having a partner and children means that your money must take care of them too. Improving your financial wellbeing, therefore, is incredibly important. This isn’t about chasing fortunes; it’s about peace of mind. Although money can’t make you happy, it does go a long way. With that in mind, here are sixteen tips you must know.
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Figure Out A Budget

Like many other pursuits in life, it’s difficult to improve your finances unless you have a plan. Without a budget, most people don’t have any idea how much money is going out of or coming into their account. This means you won’t keep your spending in check, which could leave you without any money before the end of the month. Every dollar that you spend must be accounted for. Keeping track of your spending like this will help you to spot any bad habits you might make.
Live Below Your Means
Overspending is a huge problem that impacts your ability to save. Although you should track your spending, that doesn’t mean spending every dollar you make. If you’re struggling to prepare for the future, you have to live below your means. Avoid making big purchases or renting fancy apartments and instead start small. By sticking to the basic essentials and slowly raising your standard of living over time, you improve your finances now and protect them for the future.

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Marry The Right Person

During your wedding vows, you agree to love your partner for richer and poorer. However, I think we can all agree that the former is preferable. Unfortunately, if your new spouse is a big spender, you won’t see any riches. Money isn’t the most romantic topic, but it is one you should discuss with a partner in depth. Your partner’s spending habits will affect your finances, which is why it’s best that you marry someone savvy. Before getting married, you must talk about money together.

Stay Away From Debt

Debt isn’t the monster that we often make it out to be. In fact, in the right hands, it can be a useful tool. Nonetheless, it is best that you avoid making a purchase unless you can pay in cash. When debts start to build up, it can leave you with a larger bill to pay back, as well as harm your credit score. Thankfully, there is help available, including debt law firms, like McCarthy Law PLC. If you’re struggling to rid yourself of unwanted debt, it’s best to seek out professional advice.

Ask For A Raise

Among the many conversations you have with your boss, asking for a raise will be one of the scarier ones. Even when you’re sure that you deserve a higher salary, it’s natural to feel nervous about the response. To make this talk easier, you must plan what you’re going to say. While you needn’t read from a script, you should prepare your main arguments for being given a raise. The very worst thing that your boss can say is no, so there’s no reason not to ask the question.

Go Back To School

A salary boost is more likely to be offered if you have a good reason for deserving one. Many different arguments might apply to you, but the most effective is additional experience and qualifications. Going back to school can greatly improve your job prospects, helping you to stand out in your current job and future employment. Being able to juggle learning and working is commendable too, as it shows determination and your dedication to education and employment.

Make A Career Change

When you’re not offered the salary you deserve, you should think about a career change. This could mean finding alternative employment within the same field or looking at different industries. Frequent job-hopping is a risky move, but staying in the same position will hurt your finances too. Moving on to bigger and better things makes sense when your salary has plateaued. You could even consider working from home, as this eliminates many expenses, including transport costs.

Earn A Side Income

Even with a raise or brand new career, there are still other ways to increase your income. A popular option is to start a side hustle. If this is what you choose to do, then you must treat your venture well. Like with any other business, you must have marking tools, accounting software, and a business mentor. Far too many start-ups fail because entrepreneurs don’t take them seriously enough. Securing a second job is an easier option and a less expensive one at that.

Eliminate The Unnecessary Costs

Making extra money is pointless if you continue to waste it. Because of this, you should take a look at your budget and search for bad spending habits. Many people buy takeaways every weekend and coffee every morning or pay for a gym membership that they don’t use. Although you should allow yourself treats, these unnecessary purchases have to go. They don’t make you happy and can harm your finances, so scrap them now and choose your luxuries more wisely.

Hunt For Money Off

Even when you’re trying to save, you can’t avoid spending. After all, you still have to pay for food, utilities, clothes, and more to live a comfortable life. However, that doesn’t mean that you can’t make these essentials cheaper. There are many ways to get money off your spending as long as you’re willing to put the effort in. Price comparison websites make it easy to find great deals, while online discount codes offer money off. Sometimes, you can haggle for better deals too.

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Stop Renting Your Home

Renting a property offers many benefits that buying doesn’t. For example, if something were to break, you could ask the landlord to fix it. A rental is more flexible too, which allows you to move house when you want to. Nonetheless, renting works out more expensive than buying in the long run. For this reason, you should consider buying your own home. While the process can be complicated and expensive, if you can get through that, the rewards are more than worth it.

Look Into Other Investments

Real estate is a relatively low-risk investment. There are always people in need of homes, after all. Unfortunately, this opportunity isn’t an option for everyone. If you have bad credit or a tight budget, you won’t be able to cover the costs. Thankfully, there are investment opportunities available for all types of investor, including those on low incomes. Whatever opportunity you choose, make sure you look into the potential risks and rewards before putting any money down.

Forget About Other People

Many people care far too much about what others think of them. They want to fit in and look wealthy, so bankrupt themselves by buying expensive houses, driving flash cars, and giving extravagant gifts. Trying to keep up with the Joneses does you no good whatsoever. When you feel pressured into spending more than you should by a friend, it shows that they don’t care about you. Forgetting about what others think, allows you to live a more secure and honest life.

Keeping Up Bad Habits

Drinking excessively and eating unhealthily are bad habits for many reasons. Not only do they put your health at risk, but they harm your bank balance too. Alcohol and junk food are expensive. They have huge price tags and can cause sickness, resulting in lost wages and medical bills. For your body and finances, you have to ditch these habits. Switch alcohol for water and begin cooking meals for yourself. Exercising regularly will also improve your overall wellbeing.

Protect Yourself With Insurance

Insurance is not an unnecessary expense. Although it can seem like a waste of money, you’ll be glad you have it when something goes wrong. A car accident, break-in, or illness can leave you with unexpected costs, wreaking havoc on your finances. Without insurance, you would have to covet these expenses yourself. That being said, you shouldn’t invest in coverage that you don’t need. An insurance specialist can offer advice and keep you from wasting your money.

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Build An Emergency Fund

Along with insurance, you must have an emergency fund. These savings will cover any costs that your insurance policy doesn’t. If you were to lose your job, for example, you could use your emergency fund to get by until you find new employment. Because it can take several months to find a new job, it’s best that your fund covers at least six months worth of household expenses. You won’t be able to put this away immediately, so start slowly building up the money now.
Being rich might not matter to you, but you shouldn’t have money worries. Hopefully, with the advice above, you can improve your financial wellbeing and give yourself peace of mind.


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Image Credit Pixabay.com License CC0The environment is a significant concern. The news is filled with stories about the climate crisis, and we all inevitably need to make changes within our daily lives immediately. We only get one planet, and although there are seven billion of us on this planet, we all need to take responsibility for our own individual actions.
But you may just see yourself as one person out of seven billion, and you may ask yourself what difference you can make on your own. But, the more of us on the planet that are continually asking this same question, the more chance we will have at making a difference and turning the tide of the climate crisis.
Many of the changes that you can make will be minor and may come down to making different decisions as a consumer. They might involve a small sacrifice in your time, or a fundamental change that once established will have little effect on your life. There are of course much more significant changes that you can make too
Stop Wasting Water
Wasting water can have a detrimental effect on the environment. We all need water to survive, but at the rate that society is using it, experts believe that by 2025, 1.8 billion people on this planet will live in areas affected by severe freshwater shortages. You may look around and assume that because the world has a two-thirds ocean, that it won’t run out of water anytime soon. Fresh, drinkable water accounts for a small fraction of just one per cent of the total in the world.
Having water tanks fitted can be a great way to catch rainwater. If you have are someone who uses water for your garden, or even if you are a farmer, having the means of capturing and recycling rainwater can help to reduce the amount that you are using.
Think about how much water you use for bathing or showering. Showers use less water, and if you spend less time in there, it can be reduced even further. If you are in the habit of leaving taps on while you brush your teeth, try to stop doing this.
Conserve Energy
Many of the major energy suppliers still burn coal to produce power. This creates a considerable amount of C02, which goes into the atmosphere. But there are much cleaner energy options available, and you don’t need to wait for your energy supplier to come on board with a more environmentally effective solution.
You can choose to vote with your feet. Leave your current supplier because their power is contributing to the climate crisis. There are plenty of newer companies starting up that have the means to produce renewable energy that we can all enjoy the benefits of. Many companies will manage every aspect of your switch over, so there is no real reason to keep putting it off.
Another option to enjoy clean energy would be to get your own solar panels fitted on your roof. This will help you to produce much of the power that your home needs meaning that not only will your energy bills be lower, but you will also become self-sustainable and more environmentally friendly.
There are little things that you can also do, such as turning off the lights when you are not in a room. Unplugging your electrical items when you are not using them will also help.
Reduce The Amount Of Meat And Dairy That You Eat
A UN climate report along with the findings of several environmental scientists have advocated for a reduction in meat and dairy production. The animal agriculture industry is one of the most significant pollutants on the planet, and if everyone cut down on the amount of meat and dairy that they consumed, or even stop altogether, it could have a massively beneficial impact on the environment.
Animals need several things to be kept alive. They need food, water, and space. As the human population grows rapidly, so does our appetite. Added to that, the shift in consumer attitudes toward meat, and we are now consuming record amounts. This means that more crops need to be grown to feed the animals, and this often means deforestation. Removing swathes of woodland will have a terrible effect as trees help to turn C02 back into oxygen. We need them to keep our balanced ecosystem in order. The overuse of water in farming animals is also an issue. The amount of water that goes into producing one single hamburger, for example, is enough for you to have a bath each day for a month.
Adopting more of a plant-based diet will greatly help to minimize your impact on the environment. As more and more people adopt this lifestyle, stores and restaurants alike, are waking up to the demand for meat and dairy-free alternatives. There have never been so many readily available and tasty plant-based options available as there are right now.
Change Your Driving Habits
Another major factor in our carbon footprint is transport. While it is unavoidable and also important that we can travel around as we need to, there are ways that we can make choices that will help to reduce our own impact on the health of the planet.
If you are buying a new car anytime soon, consider getting an electric or hybrid car. If this is not an option for you, opt for a smaller, and more environmentally friendly model that has lower emissions.
If you only need to make a short journey, ask yourself if you can walk it. If you drive to work each day, is there anyone else that you know that drives the same way as you? You could start a car share. If you live close enough to cycle, see if your employer has a cycle to work scheme. You may get help with buying a bike. Think about taking public transport too to minimize the number of cars that are on the road.
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