5 Ways To Stay Money Savvy This Christmas

Uncategorized Oct 29, 2019

1. Have a minimalistic Xmas 

Christmas is a time for laughter, cheer, family, friends and ….a LOT of waste. In fact around 227,000 miles of wrapping paper is thrown away every year and over 6 million Christmas trees are discarded. Not to mention how many toys end up in landfill by early in the new year. So why not make a commitment with your family to have a zero waste Xmas. Make a donation to your favourite charity, have a no gift policy or only buy presents from charity stores.

2. Stop treating yo self 

If you’re like us, then when you pop to the shops to go Christmas shopping for family and friends, you somehow manage to also end up getting yourself a few extra presents…because hey it’s been a long year! Well then maybe online shopping is a safer option for you? Look at quality presents from Etsy that you can personalise or use an Amazon Discount Finder. This allows you to search for specific discounts such as Hair Straightener 25% off, Make-up...

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Stay-At-Home-Mom With Student Loan Debt? 8 Ways To Escape

debt Oct 29, 2019

Education gives us the credibility to achieve our dreams. However, not everyone has the means to continue their education. Most of the students want to find out ways to stretch the student loan to get the maximum benefits. The increasing cost of education forces students to take out overwhelming student loans to bear the cost of college fees. This ultimately results in students incurring student loan debt.

Repaying the student loan debt becomes difficult due to the lack of good employment. The problem becomes more intense when a stay-at-home home has to deal with her student loan debt.

A mom plays an important role when it comes to matters related to money. It is she who looks for the betterment of her family. She takes the right step to her children as to how money should be spent sensibly. However, As a stay-at-home mom, managing finances is pretty tough, and having an additional college debt could be stressful. Following are a few simple steps you can repay your...

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14 Ways For Women To Grow Their Wealth Fast – Tips From The Experts

“Working 9-5..  what a way to make a living”. Urmmm….?! We think not. At Ladies Finance Club UK we know that working 9-5 on a 5 day week is not the only way for women to grow their wealth and make a living. We have ladies message us daily about financial worries asking ways to make money – whether that’s making some extra cash on the side of a day job, or your main income. It’s not only about how to save the money you already have, but also how to make your money work as hard as you do. So to help, we have reach out to some of the lady experts in the industry and have put together some fabulous tips for you!

1. Investing for the future you want isn’t just about building your wealth to make your own ambitions possible. It can also be about investing for the world you want to live in. Think about your own values and whether your investments align with them. If you want a world powered by renewable energy, for example,...

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5 Minute Budget Planner

Uncategorized Oct 29, 2019

We have created a super simple budget planner for you – now I ain’t no spread sheet warrior but this I love cause it is so easy to use.

The best way to use this budget calculator is to:

1. Be realistic  – write in the correct amounts, if you’re not sure of them, then just estimate or look through some of your last month’s bank statements.

2. Spend just one week writing down everything you purchase separately (yes even those quick trips to Pret and boots).

3. Take another look at your budget and adjust…. is it realistic? If you’re in the red you can either earn more or spend less. They are the only two options!

4. Stick to it. You can do this. #BACKINTHEBLACK

Download the BUDGET 5 MIN PLANNER HERE

Share your budgeting journey here. 

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Does Your Pension Need Attention?

Uncategorized Oct 29, 2019

So for some of us talking pensions is as much fun as… well nothing! So we will try and make this as pain free as a good Brazilian waxer. When your in your 20’s-30’s even 40’s talking pensions is a topic that’s really hard to connect with … I mean I’m trying to tackle tinder not my retirement, therefore we put it off and stuff those envelopes in a draw (you know the A4 sized ones).

However the stats don’t lie and ladies, we gotta wake up and smell the coffee (cause it’s burning). We are living longer, earning less and retiring on HALF THE PENSION of men.  More than half of us ladies who hold a pension don’t know where it’s invested and a close to a third of us (37%) don’t know how much it is worth.

 

Let’s think of your pension as your future freedom fund, because essentially that’s what it is. You’re putting away money now...

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Girls Just Wanna Have Funds – Investing tips

Uncategorized Oct 29, 2019

Rachel O’Connor Director of Flourix Wealth has put her top tips together for us!  Thanks Rach (we are sending you a long distance high five).

1. Write down your goals and divide them up into short term (1-3 years), medium term (4-6 years) and long term (7+ years).

The point of investing is to get you to your goals. It’s not about beating the share market, ‘buying high selling low’, the next hot tech stock or anything else like that. It’s all about you, your goals and getting you there. So the first thing you need to do is write down your goals and be as specific as possible. This is going to determine the kinds of investments you will make and therefore the results you achieve.

2. Compounding Returns

‘Compounding’ is what is happening when your money is making money. It happens when you take a number and grow it over and over by a percentage. In order to make compounding work for you, you need to start as soon as possible and...

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Money Monday Saving Tips

money savvy Oct 29, 2019

Be Supermarket SAVVY! Psychology secrets you didn’t know

Who has gone into buy milk and have come out with everything but milk! Yeah me too,

 

so supermarkets are designed to make you spend more literally from the moment before you even enter. They want to slow down your pace, so when you first enter even the automatic doors are actually slower and the flowers for sale out the front as to put you at ease. A mid-size shopping centre will stock 30,000 products however we will only ever buy 300 each year.  In smaller express shops where they are short on space – they will make you do a 90 degree turn to get into the aisles again slowing you down. The wide layout when you first enter a large supermarket (fruit + veg ) is to make you feel at ease .  According to Which.com.uk Aldi and Lidl’s famous special buy sections in the middle (which is that really random bit in the middle where you can...

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Honey I Shrunk the Money

Uncategorized Oct 29, 2019

Talking about finances can be super awkies at the start of a relationship but it’s important to understand each others approach to money. When do you have this discussion? Maybe the first Bumble date might be too early, but you also don’t want to find yourself 5 years down the track and learn that your partner is £25k deb nor do you want to be saving for a house deposit while your partner is busy buying up bitcoin? It’s important that you understand each other’s money mind-set when it comes to finances as you will ultimately be inheriting their wealth or their debt.

On today’s podcast show, we talk to Founder of Mr Social Nana Wereko-Brobby who runs real life dating events about how to broach the subject of money, love and relationships!

Here are 20 questions we have put together for you to discuss with your honey to make sure your both on the Money!

  1. If you won a million pounds in the lottery what would your...

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Quick Ways To Make Extra Cash On The Side!

Uncategorized Oct 29, 2019

If you just want to make some extra cash on the side but don’t want to give your full time job up, check out some of these ideas:

Making money from things you already own

• Car – rent it out or become an Uber/ Lyft Driver

• Spare Room – rent out a spare room on AirBnB

• Ebay – Sell clothes on Ebay

• Gumtree – go through your house and get rid of things you don’t want

Use your skills to pay the bills

Use your skills to pay the bills 

• Upwork.com/ Expert 360  – professional freelancers go to find work from all around the world

• TaskRabbit.com –  an on-demand errand-running service

• Funzing.com – create an experience (tours, supper club, how to..)

• Fivrr.com – on demand freelance service  (what would you do for a £5)

• Etsy.com – sell handmade products

 

• Catering – are you good at baking for events

• Sport –...

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