How to avoid spending money that you don’t have on a phone upgrade

We all get to that point where we crave a phone upgrade and it is unfortunate that suppliers make it incredibly simple to get one. With free minute packages and loads of features we are sometimes blinded by the extra money we would have to fork out every month to have the latest model. If you are under contract it is almost impossible to resist that shiny new box with the brand spanking new phone that we are just dying to use. It does take a toll on the pocket though with installments. In most cases once the period of payment is done on your old phone you own the phone and at that time it is wise to keep the phone that you own and to not request an upgrade. Here are a few ways to perk your phone up and to avoid that extra expenditure. Click here for helpful mobile phone maintenance tips.

How to avoid spending money that you don’t have on a phone upgrade

First of all appreciate what you have and don’t get envious about everyone around you with new phones. Your phone is paid up and you should remind yourself about that money that you are saving, it is worth it at the end of the year when you can perhaps go on holiday with the money that you saved. You should invest in maintenance and do any odd little fixing jobs yourself. If you feel that your battery life is pathetic and that you run out of power too soon. Take a look at https://www.amazon.com/iPhone-Battery-Replacement-Kit-Adhesive/dp/B01JMSAIFC/ for the best DIY battery solution. You will be able to use this kit to replace your phone’s battery and included in the deal is also adhesive materials that you need to do a good job. Instead of paying someone to do it for you take the time to learn something new so that if it happens again you know what to do.

Keep your phone away from water and any other harmful materials to make sure it lasts longer. This is self-explanatory but could keep your phone in its original glory without any water damage or other resulting damage. It makes perfect sense to get a protective case for your phone. With this you can get quite creative with different designs that will give your phone a new look. You can even make your own phone covers.  Click here to learn more. Keep your phone charged but only recharge it once it is completely flat. This is most probably one of the biggest mistakes people make with their mobile phones and that is overcharging it. Make sure that you keep your phone safe and keep as much space as possible available on it. This doesn’t mean that you can’t indulge in your favorite games but keep in mind the more memory your phone has to use the slower it will become. Don’t end up with buyer’s remorse after upgrading your phone and having to deal with the extra money that you have to pay every month.…

Steps to Achieve Financial Security

Achieving financial security is less about the amount you acquire and more about the amount you save. In all reality, the vast majority don’t have a retirement investment funds plan set up and the plan is to spend what the earn.

Keeping in mind the end goal to have a retirement with a decent way of life you have to precisely plan and afterward complete on your retirement plan. Here are a couple suggested tips that if followed correctly will help you to accomplish financial security.

Steps to Achieve Financial Security

Begin when You Can

The message here is – sooner is better than later, yet it is never past the point where it is impossible to begin.

Financial plan – have one!

Without a proper budget, cash has a tendency to vanish and regularly holes in our costs give the idea that require the utilization of charge cards or loans to fill. The enthusiasm on these then lessens the amount you can put into reserve funds. The savvy approach to guarantee that your retirement funds keep on growing is to consider them a “cost” in your financial plan – and a financial plan is the most ideal approach to guarantee that you have control over your use with the goal that you don’t decrease the estimation of these investment funds by utilizing credit or loans to cover your everyday costs.

Treat Your Savings as an Expense

When you are setting up your spending you ought to regard your reserve funds as a cost thing and consistently focus on “paying” it simply like some other standard bill like lease or your home loan, telephone or power.

Work with an Experienced Financial Planner

Just like you rely on Castle Security (www.castlesecurity.com.au) for securing your home, the valuables that are inside your home and your loved ones living inside the home – similarly, there are professionals who can help with securing your finances. The universe of venture, protection and financial planning are progressively mind boggling and testing to manage. That is the reason you have hire someone who knows what they’re talking about. They are experts at what they do, and will help you put together a financial plan that will not only be logical but also feasible.

Try not to keep all your investments tied up on one place – Diversify Your Portfolio

Having the greater part of your reserve funds in the one kind of venture expands your risk and your chances of facing misfortunes. Nobody can anticipate the future of the market however an accomplished financial organizer will alleviate your risk by guaranteeing that you have your cash in a variety of ventures that matches your own risk profile. Along these lines your benefits are better secured.

Take a look at your Retirement Expenses

Working with your financial organizer implies that future potential expenses will be considered when building up your financial plan. Your costs, particularly restorative ones are probably going to be higher the more seasoned you get so it is reasonable to anticipate them now to guarantee that your retirement plan is prepared for covering the majority of your needs.

The Bottom Line

These are only a couple of the things that you ought to consider doing keeping in mind the end goal to enhance your retirement lifestyle.…

Ways to save money on your medical and healthcare costs

It is always good to take a look at your budget and save money where you can. It is said that medical and healthcare costs are some of the most demanding expenses that we contribute to on an annual basis. We all need and want the best medical care that we can get but it is sometimes hard to balance the scales. There are however a few fantastic ways that we can make sure we don’t have to delve too deep into our pockets to pay for our health. Click here to take a look at some interesting healthcare expenditure statistics.

First of all find any discount plans that will help you to save a bit on what you spend. Find plans that will give you an option to save on what you pay for dental for example. It is better to be aware of any methods where you can cut a bit of what you spend. You can for example join the Farm Bureau to save a bit. Remember that you should find discount plans that are relevant to you. It is also important to make sure that you have a safety net for those expenses that are not covered by your insurance. This is important for your health and for your pocket. You don’t want to be in the position where you have to take out a huge loan to cover any excess payments that aren’t covered.

Ways to save money on your medical and healthcare costs

Take a look at True Health Diagnostics to read about healthcare providers that are constantly up to date with preventative medication and other great innovate healthcare solutions. By getting medical care from some of the best healthcare providers you will prevent any additional illnesses or ailments which in turn will save you money on doctor’s visits. You need to constantly be up to date with what your coverage includes and what your insurance plan covers you for so that you don’t run into any misunderstandings with your insurer.  Make sure that you take advantage of extra benefits that are preventative for example screening tests that will give you the opportunity to identify any illnesses early.

Get regular checkups to make sure you are always on form and in the best shape you could possibly be. This is completely relevant to those patients that already suffer from chronic illnesses. If for example you suffer from diabetes keep a close eye on your sugar count to avoid any worsening conditions. Click here to read more about proper diabetes care. Make sure that you read your bills carefully and that you are always up to date with any payments that you still owe. This will help you to avoid any interest accrued on payments due. Think wise with your medical costs as you would with your monthly grocery bill to avoid any nasty surprises at the end of the day. If you are in need of minor treatment don’t make an appointment with a specialist that might cost you a fortune.…

Money Advice for Doctors

Lay people think that doctors have little to worry about financially. They assume, based on media portrayals, that doctors have the easy life of fancy homes and sleek cars. However, they neglect to understand the amount a doctor invests in pursuing that career. They don’t pay attention to the fact that liability insurance for doctors is sometimes astronomical. And, they just don’t plain care that doctors might need money advice. But we do.

Doctors who care about their patients are likely to employ companies like True Health Diagnostics. They want their patients to have access to laboratories that are committed to helping regulate the cost of long term medical care. They want to see patients, costs, and risks managed in a responsible manner. Unfortunately, they don’t always apply that desire for proper management to their own financial situations.

Money Advice for Doctors

Let’s be Honest

Many doctors live from a sense of entitlement. They recognize the hours and dollars they have put into achieving their positions and they expect those sacrifices to pay off. This leaves them spending what they make without considering that their lavish lifestyles will not be supported when they retire, devoid of a savings plan or tangible investments.

Doctors are often quite brilliant, but their money decisions don’t always demonstrate that intellectual acumen. Sadly, many of them believe that because they are so knowledgeable in the medical field that this education will somehow transfer over to the area of financial prowess. There are a number of great doctors who have lost considerable amounts of money due to thinking that they could invest in “hunches.” Read this story.

Advice for Doctors

The best advice we can give doctors is to acquire a financial advisor. Find someone that is trustworthy and can handle all your investment and portfolio development needs. If doctors can recognize that they are playing the role of the patient in these situations, maybe they will be able to humble themselves enough to listen to sound advice from people who are also well educated in their fields.

Doctors should seek out a financial plan that will provide them with the rewards they so desperately seek in their typical “spend what I make” mentalities. They should refrain from allowing their friends to coerce them into investing in products, companies, or other ideas without first seeking out sound advice from their accountants and financial advisors. Learn more.

The Things They are Getting Right

Up until this point in the piece, one might be thinking that doctors just can’t handle their money properly. And, in many arenas of life that is true, just look at the exorbitant homes, fancy sports cars, and exceptionally expensive attire. However, there are few things that doctors are getting right when it comes to planning for their futures.

Many doctors, especially those who have chosen to specialize in a certain medical field, purchase disability insurance. Thankfully, they realize that there are catastrophic occurrences that could completely hinder their ability to function in their area of choice. That means they protect themselves with disability insurance in the event such a tragedy ensues.

And, they are often easily encouraged to place significant amounts of money in a retirement plan simply because deferring their income means they get a tax break. Getting them to contribute to that retirement plan might take showing them how dire their retirement situations will be if they don’t contribute. Or, it might be as simple as showing them how much they can save on their taxes.

No matter what the method, doctors need financial advice, and they can get more here.…

How Virtual Assistants Can Save You Time and Money

A lot of businesses run mostly online these days.  Businesses can be fully functional on a completely virtual basis because all marketing, promoting, information sharing, sales, communications and personal assistance can be done over the internet.  But all of these small tasks can end up consuming a lot of your time and you still have other parts of your business to attend to such as the product- manufacturing, packaging, delivering, tracking and your business paperwork not to mention salaries, bills, equipment, equipment repairs and staff issues.  And that is just the tip of your business.  You also have to constantly analyze the financial health of your company and you constantly have to work out new marketing strategies and try to invent new ways to expand your business.  A virtual assistant might be just what you need to help take off the load, save you time, money and even make your business much more profitable.

How Virtual Assistants Can Save You Time and Money

What exactly is a virtual assistant?

A virtual assistant is someone that provides services to a company from a remote destination.  These virtual assistants can be hired on freelance basis or permanently.  Virtual assistants are quite diverse but mostly provide administrative, creative, design, technical or data work for you but they can handle any job that can be done or sent over the internet.

Benefits of hiring a virtual assistant

There are lots of benefits to virtual assistants.  You often get higher skilled individuals at a much more affordable rate since most virtual assistants work from their home.  Virtual assistants can save you a lot of time because they can handle a lot of tedious work on your behalf and if you find a skilled virtual assistant you can even enjoy a much more profitable business thanks to the input you receive.

Where to find cheap virtual assistants?

Miles Beckler is a terrific writer that has a website; MilesBeckler.com where you can find the best information for the best online marketing strategies.  He recently wrote a great article on where to find the best Cheap VA for your company.  The article is free to anyone who wants to read it and the advice he gives in his article is great for directing you to the best agency for scouting VA and tips for finding the best and most suitable candidates for your company.

Can you work with an international VA?

One of the big benefits of hiring a VA is the fact that you don’t have to hire locally or even in your own country for that matter. You can scout for international virtual assistants and improve the likelihood of finding the best talent and you can find better talent a lot more affordably since the money currency difference between first and third world countries makes it possible for people to work for far less.

Virtual assistant VS physical employee

Yes, there are some benefits to hiring a permanent employee such as the ability to delegate other small tasks to these permanent employees but with virtual assistants you can get much higher skill levels at a much more affordable rates and if your VA has good skill he or she might even bring in a lot more cash for your company instead of just saving you time.…

Best Money Saving Apps on the Market

At Everyday Money, we make it our goal to locate ways you can save money. That might mean offering you specific money saving advice and direction with investment. Or, it might mean pointing you in the direction of the best money saving apps on the market.

If you are struggling with how to get help in Windows 10, these apps are probably not going to help you. But, we can advise some relatively free methods for help in that arena too. You can always contact Windows support via online chat, or schedule a call back appointment with them. Or, if you would like to try to figure things out on your own, there’s always the F1 key that will lead you to help options. So, while you are discovering how best to utilize Windows 10, you might also want to peruse these great apps for other money saving potential.

Best Money Saving Apps on the Market

6 Money Saving Apps for Your Consideration

Money is tight for most people these days. So, learning methods in which to save, little by little, is probably a good first step. We understand that you might not be able to pack away hundreds in your nest egg each month. But, we can at least point you toward 6 money saving apps for your consideration when you are ready to make that jump. Take a look at these options:

  1. Azimo– Those living in the UK will be able to transfer money to people in a variety of different countries with the assistance of this app. It is available on Android and iPhone. The beauty of this app, is that you can save money on transfer fees.
  2. WhatsApp– This is a far more versatile app as it functions on iPhone, Android, Blackberry, Windows, and Nokia. It’s free for the first year and is very popular with those under 25. It lets you text people without paying for it because it uses Wi-Fi. Learn more.
  3. RedLaser– Owned by eBay, this app will let you scan barcodes and compare prices with online and brick and mortar retailers. You’ll be able to read the reviews of the products as well. It’s a pretty nifty app that is free for use. iPhone, Android and Windows phone users can benefit from its services.
  4. Loyalli– If you are like most of us, you have a number of loyalty cards floating around in your wallet or even their tags hanging from your key chain. Well, that inconvenience just got rectified by this app which allows you to input all your loyalty information into one app. There are at least 600 retailers using this app. Read this.
  5. MyVoucherCodes– If you want to have access to the best coupons in your area, this is the app for you. It utilizes your GPS to ascertain your location and which deals are currently available for you. It’s free and available on Android and iPhone.
  6. Trivago– Let them do the work for you when it comes to searching out the best hotel deals. This app will compare all the deals on all major travel deal sites like: booking.com, lastminute.com, and hotels.com. Check this

These apps are not specifically designed to teach you where to put your money. Rather they are methods in which you can regularly save money while making purchases or traveling. What you do with the money you save is up to you.…

A Flashy Way to Spend Your Money on Golfing

Life is about much more than surviving.  When you work hard you have to reward yourself for all of your troubles every now and then so you can stay motivated and positive.  Life is after all about having fun because if you don’t enjoy living then what are you living for? A great way to spoil yourself after a tough year of hard work is by getting yourself a fantastic new golf chart so you can enjoy more golfing sessions a lot more comfortably.  Golf carts are now becoming more popular than ever before because you can now get yourself a golf cart that suits your unique style and need by customizing your chart any way you like.

A Flashy Way to Spend Your Money on Golfing

Get a customized golf chart

Recreation Sports Carts (RSC) is a golf cart company like you have never seen before.  This unique cart company allows you to choose and shape your golf cart any way you like.  The costs of such a chart depend on the modifications you want but these custom golf carts are worth every bit extra cash you spend because you will be able to enjoy golfing so much more.

Customize any way you like

You can recreate your golf cart any way you like because RSC allows you to customize the carts body, seats, roof, dashboard, enclosures, lights and color.
Color customization – Choose from sixteen different colors for the chart body as well as for the chart seats so you can be as flashy as possible when cruising around on the greens.

Body Customization – If you have a specific idea in mind then RSC can help you make that idea real.  You can get a body wrap done on your cart so your chart will be branded or simply styled up.  You can also modify your chart body in different ways such as for a retro car look or more.

Seat Customization – For seats you can choose between various colors and styles like Extreme, Clubhouse, Tropical or Fanatic.

Customized roof – Add a roof rack or simply go for a different colored roof

Dashboard customization – Customize your dash to suit your chart color

Enclosures – Cover your chart with different enclosures to suit your golfing needs

Lights – Opt for brighter and more modern energy saving lights like LED and get much more from your battery life.

Added extras – You can choose to add different extras such as extra seats or a carrier o the chart.

Golf carts have much more functionality than you think

Don’t you like golf?  Well that’s no problem either because golf harts can be used for much more than golf.  Thanks to customization, golf charts are now popularly in use at holiday destinations, reservations, parks, retirement villages, farms and even at airports because the golf charts are small, energy efficient and they can be customized to suit certain needs such as hunting, baggage carrying, passenger hauling and more.  You don’t have to be a golfer to spoil yourself with a fantastic and all new custom golf chart.…

Ways to Improve Your Chances of Getting a Home Loan

Owning your own home is sheer bliss.  You get complete freedom the moment you sign that purchase contract and move in because you can finally transform your home any way you like.   With your home you can be free and do what you like with your home whenever you want without having to consult your landlord.  Buying a home is also the smartest business choice you can make because property is one of the most valuable assets you can own.  There are several ways you can earn an extra income from your home and you can always resell your property in the future.  The most difficult part about buying a house is however getting the loan.  You need to be able to prove that you will be able to pay the mortgages which can be tough if you don’t have a good credit track or when you don’t earn a very big salary.  Luckily there are some ways to still get your home loan even if you don’t have the most stable of incomes.

Ways to Improve Your Chances of Getting a Home Loan

Buy through a good real estate company

When you are looking for mission BC houses for sale, go through a reputed real estate company.  Real estate firms often put a lot of effort into evaluating property value and they do extensive market research on the property which means you will be buying market related prices for your home.  The real estate companies also makes home buying incredibly easy since they know all the best processes to get your loan approved.

Partner up with family

If you don’t earn enough to get approved then you can always partner up with a family member, spouse or even a friend and buy the house together with equal shares so you can divide the mortgage fee.

Keep your credit accounts on track

All real estate companies, mortgage brokers, finance brokers and banks will do a credit check on you when processing your application.  Keep your credit payments paid before due dates so you will have a good credit score.

Save up for a big deposit

The bigger your deposit the better your chances will be of getting your home loan so save up as much as you can while you scout for the perfect property.

Accumulate assets

Do you have other assets such as a company, vehicles and more?  Then you can use these assets to verify your financial stability and improve your chances of getting a loan.

Consider tenants

A lot of real estate companies love the concept of buy-to-let properties.  By letting out your property for a few years you are sure to make payments and you are buying a home even if you cannot stay in your own home just yet.

Get your employer to co-sign for your loan

If you have an open minded employer that trusts you a lot then you could get your employer to co-sign for your application.  You will still be responsible for the payments but your employer will be held responsible if you cannot make payment.…

Try Managed Hosting For the Most Secure Money Sites

Getting a money site like a blog, ecommerce store or website to be profitable is a huge task.  There are so many online competitors out there that can whisk your clients away with just one popular slogan, product or service.  You have to do so much to keep your money sites up to date and interesting so clients will keep visiting.  And that is just half the struggle.  The other part of the struggle is to manage and run your site effectively so your site will perform well and be fast and secure.  Managed hosting is one of the best ways to keep your website in tip top condition no matter how busy you are with marketing.

Try Managed Hosting For the Most Secure Money Sites

What is managed VPS hosting?

Managed VPS hosting is a web hosting service provided by hosting companies that have their own servers.  They rent out the server space to you with added services such as maintenance.  With managed VPS hosting you are not responsible for the upkeep, maintenance and upgrades of your servers and site.  The hosting company will do all the hard work for you so you can focus on the less technical aspects of your money sites like popular blogs, e-commerce stores, electronic magazines and more.

Managed Hosting is great for the following sites

VPS hosting is terrific for lots of different money sites.  Developers and digital agencies can easily run and develop client projects from their sites.  Digital publishing companies like magazines can load large amounts of content and handle heavy traffic.  E-commerce stores can sell goods securely and quickly.  Popular blogs and sites can handle millions of views per month and businesses can enjoy secure websites that are ultimately flexible when it comes to expansions.  There are plenty of different hosting solutions such as clusters, dedicated servers, cloud VPS solutions and shared hosting options that are sure to suit any money site.

Services that good VPS hosting companies provide

The best VPS hosting companies offer terrific added services that will ensure that your site runs as smoothly as possible no matter how much content you have on your site and no matter how many visitors you receive to your site.  The top hosting companies offer added services such as;

Performance Improvement – They frequently update and maintain your site so your website or money blog will run as fast as possible and load quickly on any device despite high volume traffic.

Security enhancement – Good VPS hosting companies have terrific security which will prevent hackers from getting access to your and your client’s personal information.

Backups – It is important to have good and steady backups for your site so none of your content will ever get lost.

Migration – Managed VPS hosting enables you to move from one hosting solution to another or expand much easier without any of the effort involved in large changes.

Support plans – The VPS companies also offer support plans that will ensure that any problem you encounter will be solved as quickly and effectively as possible.…