Four Smart Money Tips to Gain Control of Your Finances

financesIt doesn’t matter where you are financially right now. You could be in debt, struggling to pay the bills, trying to earn more money, or just simply looking for more control of your finances. This article can help you, and it’s important that you read every single word.

You see, we’ve asked our top financial and money experts to give us their best tips on how to get the most out of your dollars. No hype. No complicated theories. Just smart advice from people that know what they are talking about.

Let’s get straight to it…

Set a budget

Did you know that only 22% of Americans have a budget? With this statistic in mind, it’s no surprise to learn that millions of people are in debt and struggling financially.

It’s essential that you set a budget so you know exactly how much you are able to spend each month. Always be looking to minimize your expenses so you can save and invest any extra money.

Investing

Once you’ve got some extra money in the bank then you might be wondering how to invest it? Our experts recommend Real Estate Investing as a good starting point, as well as buying up precious metals such as gold and silver.

Be wary of the stock market and things like Forex trading, as it’s very easy to lose money if you don’t know what you’re doing.

Saving

Try and save a portion of your income every month, even if it is only 5 or 10 percent. At the end of the day, it’s good to know that you have some cash saved away in a high interest savings account, which can come in useful if you ever find yourself needing money quick.

Get rid of debt

You’ll always find it hard to gain control of your finances if you are constantly in debt. Perhaps you took out loans and credit cards a few years ago, and are now just paying the minimum each month to keep the debt collectors at bay? This is not a good situation to be in, which means you should make it your main priority get rid of the debt as soon as possible.

This means you have to face up to the debts and tackle them head on. Don’t ignore things as this just makes them worse. Do whatever you have to do to start paying back that money, even if it means getting an extra job or selling some stuff around the house.

Reduce Global Warming in 3 Easy Steps & Save Money

glacierA huge crisis we are currently facing is something called global warming, and if something isn’t done quickly then our planet could be under serious threat.

What exactly is global warming you might be wondering? Well, in simple terms it is an increase in the amount of carbon dioxide levels in the atmosphere of the Earth, and this is mainly caused by fossil fuels such as gas, oil and coal.

In order to reduce global warming then it’s essential that we do everything possible to reduce our dependency on fossil fuels. Below are 3 easy steps to get you started…

Choose a green energy company

Fortunately, there are some energy companies that are taking global warming seriously and are committed to reducing their carbon footprint and exploring renewable energy sources.

For example, in Alberta Canada, there are many energy companies turning green to help save the planet – click here to learn more.

Reduce heating around the home

During winter it’s all too easy to simply turn on the heater or gas fire when you start to feel a little bit nippy. However, in the vast majority of cases people are using artificial heating when they don’t really need to, and with just a few simple changes they could help to reduce global warming and save themselves some money as well.

The first rule of reducing heating is to wear extra clothing and use blankets when you start to feel cold. Also, consider installing extra insulation into your walls and attic and keep windows closed to stop heat from escaping.

Be a smarter driver

Obviously, driving a motor vehicle has a huge impact on the environment due to the fact that it uses up a lot of fuel. With this in mind, it’s important that you learn to be a smarter driver so you can reduce your carbon footprint and help save the planet.

The easiest way to achieve this is by driving less. Don’t drive the car for short journeys…walk or cycle instead, and use public transportation as much as possible.

Also, try and adjust your driving style so it is more environmentally friendly. Avoid sudden braking and accelerating and check your tire pressure on a regular basis to ensure the best gas mileage possible.

Finally

Reducing global warming might seem like a huge task, but if we all do small things to help, then our combined effort will make a real difference. Best of all, you can get started immediately with the 3 steps above.

Car Insurance for New Drivers – CHEAP?

driving-407181_640Everybody knows that car insurance is pricey, but when you are a new driver then the prices start going through the roof.

Why is this? Quite simply it’s because (rightly or wrongly) the car insurance companies believe that new drivers are more likely to be involved in a accidents, which ultimately means they are more likely to make a claim. This means more risk for the provider, so they have to charge accordingly.

It doesn’t have to be this way though. If you are a new driver still wet behind the ears, you can get cheap car insurance to suit your budget. Let’s take a look at a few expert tips below to help you achieve that.

Advanced driving course

One of the best ways to get cheap car insurance as a new driver is to take part in an advanced driving course. Although you have already passed your initial driving test there is still a lot to learn, and car insurance companies like to see that you are making an effort to improve your driving skills and become a safer driver.

Once you have completed an advanced driving course then you will be presented with a certificate, which can be shown to car insurance companies for cheaper premiums.

Less power

While you might be eager to get behind the wheel of a sports car so you can become king of the road, it’s important to realize that this will result in expensive car insurance.

The general rule of thumb for new drivers is “less power = cheap car insurance,” so keep this in mind when shopping for your first car.

Voluntary excess

In a nutshell, the voluntary excess is the amount you agree to pay out of your own pocket if you have to make a claim at some point in the future. The more voluntary excess you are prepared to pay, the cheaper your car insurance will be.

However, keep in mind that if the worst was to happen then you would be stuck with a large bill, so don’t push the excess too far up.

Keep your car safe

While guaranteeing the safety of your car is impossible, you can do everything in your power to significantly reduce the risk of it being stolen or broken into.

For example, by using things such as alarms and steering locks you deter thieves and give yourself peace of mind. Not only that, but car insurance companies like to see that safety is one of your priorities, which ultimately means you will be rewarded with cheaper car insurance.

4 Helpful Tips For Getting Out of Debt

fishing for penniesIf you have decided that now is the time to get out of debt then this just might be the most important article you read all day. Recent government statistics have shown that the average American has around $9,457 of debt, although some sources claim that this figure is even higher.

Now is the time to take action, and you can get started right away with the 4 helpful tips below…

Set a budget

Let’s face it, the main reason you got into this mess is because you fell into the habit of spending more than you were earning. For this reason, it’s essential that you set a budget, so you know EXACTLY how much money is being spent every single month.

Not only that, but you should also be looking for unnecessary expenses that can be completely cut out, such as Cable TV and gym memberships However, maybe you won’t have to give up the Cable TV, especially if you find a company like Time Warner Cable Texas who are well known for supplying top of the range Cable at rock bottom prices.

Avoid any new debt

The next tip for getting out of debt is to avoid taking out any new loans or credit cards. Ultimately, why make things harder for yourself, especially when you have got enough debt already? As they say, if you find yourself in a hole and want to get out, then you really need to stop digging!

Pay back the biggest debt first

Identify which debt is costing you the most each month and then aim to pay that one back first. As an example, if you have two debts, one for $2500 and one for $5600, then you should put your main focus onto the bigger debt, especially since the interest rates are probably costing you more.

Consider a consolidation loan

It’s hard to keep up with multiple debts, and sometimes there just isn’t anything you can do to stop missing the monthly payments and getting yourself deeper into a hole.

This is why a consolidation debt might be the solution, as not only can you put all of your existing multiple debts into one single debt, but you can also reduce your minimum payments, giving you valuable breathing room and a chance to work everything out.

There are many consolidation companies out there, so make sure you spend some time comparing offers before making the final decision.

Medical Negligence – Fight The Power and WIN!

intravenous dripIt’s an unfortunate fact of life that medical negligence cases are on the rise. As you are no doubt aware, most hospitals today are understaffed and overcrowded, which means this creates a scenario ripe for patients being neglected and ignored.

Fortunately, you don’t need to suffer in silence if you feel that medical negligence has affected your life. Thanks to websites like http://www.medicalnegligencecompany.org.uk you can fight the power and WIN!

Let’s take a look at a few tips that will allow you to go up against the medical establishment head on…

Get a second opinion

Don’t even think about starting a medical negligence case until you get a second opinion from an independent doctor. If they confirm that you were the victim of negligence, then your position becomes a lot stronger and you have a real chance of getting the money you deserve.

Keep records

Quite simply, if you fail to keep accurate records of your illness or injury then it basically comes down to your word against theirs. In a court of law, this won’t hold much credence, and you will find yourself out in the cold before the case has a chance to get started. The more records and documentation you can gather, the more chance of ultimate success.

Hire the right lawyer

Make no mistake about it, a medical negligence case is no place for the inexperienced. The process of making a successful claim takes expertise and knowledge, which is why you should hire a lawyer to represent you at all times.

However, not just any lawyer will do…it’s essential that you hire the right lawyer. For this reason, it’s recommended that you visit medicalnegligencecompany.org.uk to see who they recommend.

Consider a settlement

While it can be tempting to want to take your medical negligence case all the way to court, in reality this is often a slow and painful process. That’s why around 85% of these type of cases are settled out of court, with a lump sum cash payment from the insurance company of the doctor or hospital.

If you are offered a settlement (and you almost certainly will be) then you should give it careful consideration before accepting or refusing. Not only that, but don’t be scared to go back with a counter offer if you feel that your case is worth a bigger payout. Insurance companies are always open to negotiation, so use this to your advantage to get the most amount of money possible.

5 POWERFUL Ways to Cut Your Utility Bills by 39%

water billsAre your utility bills getting out of hand? You’re not alone. Every year the prices continue to rise, and this shows no sign of slowing down according to many experts.

Fortunately, you don’t have to just sit there and take it. With a few simple changes around the home, you can quickly and easily stick two fingers up to the powers that be and start saving money.

In fact, by following the tips below, you could very well cut your utility bills by as much as 39%. Keen to discover more? Read on…

Use fluorescent lights

In a research report released by Alberta Electric Providers in Stettler last year, it was uncovered that fluorescent lights use less electricity and last for longer.

Not only that, but fluorescent light bulbs are also cheaper than ordinary light bulbs, which means you will be saving money at the store as well as on your utility bills. Way to kill two birds with one stone!

Embrace the darkness

Millions of households around the country are wasting hundreds of dollars a year by leaving lights on when no-one is in the room. This is such a waste of electricity, which means if you are one of these offenders then now is the time to start changing your habits.

Also, it could be a good idea to use candles around the house at night instead of switching on the lights. This is actually a growing trend, as millions of people are embracing the darkness and enjoying night after night with only a candle to guide their way.

Be frugal with kitchen appliances

Another way to cut your utility bills is by reducing the amount of times you use kitchen appliances such as the dishwasher and washing machine. For example, wait until you have a full load of dishes before giving them a clean, and only use a quick wash so there is less water wasted.

Avoid air conditioning

Unless you live in a super hot country with the sun scorching all day long, then air conditioning is often a waste of power and money. With this in mind, why not try turning your air conditioning off and experimenting with other ways to keep yourself cool.

For example, you could open up windows around the house, use a portable fan, and even try using ice packs around your body at various points in the day.

Switch off computers and laptops

Are you guilty of leaving your computer or laptop on overnight? While this may seem harmless enough, the reality of the situation is that it is costing you money. Quite simply, you should turn off any device that you are not actually using.