Millennials (those born 1981-2000) face some fairly tough financial… You’re reading the blog post Financial tips for Millennials who want to get on the housing ladder that was written by and first published on Getting Loans and Credit & Managing Money.
Maybe you’re a summer person; maybe you really dislike the cold and grey of a British winter. Whatever your favourite season happens to be, for all of us at this time of year there’s more than a little anxiety thanks to the rising cost of energy. As the days get shorter and the temperatures drop it’s time to turn the central heating on – and that means bigger bills. When you combine the need to use more energy with the recent (and predicted) price rises, that can throw any budget into disarray. However, it doesn’t have to be as bad this year, as there are lots of ways to make sure that your home is more energy efficient – so that it costs you less to run. Washing your clothes It’s no myth that washing clothes at a lower temperature will save you cash – and it’s better for the environment too. Dropping the temperature of your wash from 40 degrees to 30 degrees can save you around a third on the cost of the wash. Investing in insulation Poorly insulated homes leak heat
When ebay first launched in 1995 it was something of a revolution. An online marketplace where consumer to consumer and business to consumer sales could take place opened up a lot of opportunities. Now, thanks to the success of the site you can sell anything via ebay – all you need is someone who wants to buy it. And, as a result, ebay now sees around 2 billion transactions per day. Whether you’re a regular ebay seller making a living out of the site, or you use it occasionally to get rid of old clothes or electronics, it’s a great way to generate cash. However, the way that you use ebay is important – this not only dictates how successful you’ll be in getting a great price but also how to protect yourself from losing out to scammers. Protecting yourself on eBay The London Metropolitan Police investigate thousands of ebay related crimes every year. Most are focused on unscrupulous sellers looking to rip off consumers but there are issues for those who are selling too. From b
The Best 2017 Back to School Deals Although it hardly seems a minute since Roger Federer won Wimbledon – or since the sunshine of Glastonbury Festival – the summer of 2017 is just about over. And, as the school term looms, so too does the huge bill that comes with kitting out kids for another academic year. No one wants to go back to school for a new term without all the essentials so where can you find the deals to get everything you need for the family without breaking the bank? Stationary Despite the tech that drives many classrooms these days most kids still need good old fashion stationary for day-to-day learning. From pens and paper to note books and pencil cases, if you’re getting a great deal on back to school stationary then everyone is happy. High street store Paperchase has a range of super colourful stationary and kit for children of all ages – they’re currently offering 3 for 2 on all the essentials, from highlighters to erasers. You can also pick up the basics
Given how much of the year is spent longing for the summer holidays it’s amazing how quickly they come around. One minute it’s Easter, the next you’re a day away from jumping on the plane and you don’t even have so much as a mosquito repellent to pack. Avoid being caught out before your summer hols this year with some hot tips for getting ready. Summer Holiday Top 10 Hot Tips Use e-tickets. We’ve all had that last minute dash to check in only to remember that the tickets/boarding passes we carefully printed out are sitting at home on the kitchen table. Give yourself one less thing to worry about this summer and use e-documents that you can access via your phone. Take a kindle. If you’re the kind of person who can’t holiday without filling half your suitcase with books then switch to a Kindle this year for a much less stressful (and lighter) travel experience. When you’re buying travel insurance look further than the price. Insurance comparison websites will give you a
In 2016, figures from fraud prevention service Cifas indicated that identity theft rose by 57% in 2015 – 2016. In the UK, 148,000+ people became victims of this digital crime, compared to 94,500 the year before. Fraudsters are increasingly able to target people due to the wealth of information we share online, particularly on social media sites like Facebook, Twitter and LinkedIn. And the motivation is high – as banks and other financial institutions become more and more able to spot a fake identity, cybercriminals have more need to steal a real one. So, how do you protect yourself against identity theft? Adjust your privacy settings Social media is an absolute goldmine for identity thieves, particularly as platforms like Facebook keep changing privacy settings and leaving personal data unwittingly revealed. Regularly check your privacy settings across all the social platforms that you use and make sure that you’re not revealing more than you want to. If you want to ensure only
A great interview is a crucial step for anyone looking for a job offer from a new employer. However, it’s also the stage that many of us fear the most – and the part of the recruitment process so often left to chance. If you want to maximise your chances of being selected then these 10 essential tips will help you land the role. Prepare as much as you can According to a survey by employment website Monster jobs, 93% of employers agree that the level of candidate interview preparation will have an influence on whether or not an offer is made. Employers specifically look for candidates who have prepared for an interview and they have enough experience to spot those who don’t. Preparation could include everything from extensively researching the role and the market, to getting information about the business culture from social media and forums. Be on time In that same Monster survey, candidate timekeeping was the top most influential factor in terms of what employers look for. If y