Financial Resolutions Worth Making

Most of us, really deep down, know that New Year’s Resolutions are a complete waste of time. If someone asks about your resolutions early in the year, you might come up with something that you vaguely want to change or improve in your life. But, the reality is often that you don’t mean it, it’s not realistic, or it’s something that you don’t really want. Our resolutions are often based on our dream lives. We don’t put much thought into them, and they stay forgotten in January.

Even if it is something you want to achieve, it’s going to take more than an announcement at the start of a New Year to get you there. You need smaller goals and achievable targets to help you. You need to break it down and make a plan to help you get what you want from your year. You can’t just say “I’m going to save money” and hope for the best. You need to look at how much you can save, you need to budget and set goals, and you need to find ways to save.

Money is often the focus of our resolutions. We want to make cutbacks. We want to clear debts. We want to save or take greater control of our finances. But, these are all quite vague, which is often why they are forgotten. Let’s look at some more detailed finance resolutions that are worth making.

To Have Less Debt by the End of the Year

In the ideal world, we’d all love to clear our debts within the next year. Debts cost you money. They can be bad for your credit report and having them means that you can’t get more credit if you really need to. But, paying all of your debts off within a year is unlikely to be a realistic target. Especially if you’ve got a large debt, more than one, or you are still paying off the minimum each month.

Instead, look at what you can afford to repay right now. Assume that you’ll be able to pay that all year and set yourself a target. This might be to pay 20% off a credit card or to pay 30% off the debt with the most interest.

Start the year by exploring your options. Could you consolidate your debts? Or move a balance on to an interest-free card? You could give yourself a big head-start on your resolution with the right choices now.

To Create a Household Budget that You can Stick to

Most of us live without a household budget. We set up direct debits for bills, we send our paycheck to that account, and we hope for the best.

Setting up a household budget can help you to manage your money. You’ll be able to see what you are spending and where, and get a clear idea of how much you could save or pay off debts. You’ll also be able to see where you could be making cutbacks or spending less.

But, you don’t want to make it that complicated that you can’t follow it. Set up a simple budgeting spreadsheet, and make sure you update it and check it whenever you need to.

To Explore Your Investment Options

After paying debts off, investing your money should be your next financial resolution. Look into your investment options, visit our website here to find out more about handling poor advice and speak to an advisor. If you’ve never invested or even saved before, focus on small amounts and exploring your options in the next year.

To Use Your Piggy Bank

It doesn’t need to be a piggy bank as such, a jar or pot will do as long as you use it. Look at penny savings challenges and find one that you can afford. Perhaps saving anything less than $1 in your jar. Make sticking to your challenge your resolution and enjoy watching your pot fill up.

To Monitor Your Credit Report

Your credit report is essential. Your credit score determines what you will be able to borrow in the future. Companies use your credit report to determine how reliable you are, and a high score gives you more options. In today’s world, most of us check our score online, but we rarely make the effort to read and monitor our report. Make your resolution this year to check your report each month and work on improving your score.

Make More Money

Having more money is the ultimate goal for many of us. Saving, clearing debt and investing are great ways to do it. So is earning more. Look at gaining promotions and pay rises at work, and consider side hustles to make extra.

Nursing Your Personal Needs: How To Make A Career In Medical Care Feel Less Stressful

Working in the field of medical care is one of the most rewarding things you can ever do. After all, nothing could be better than saving lives and helping patients restore a sense of normality to their lives. However, there’s no doubting that it can be one of the most stressful career paths too. While you’ll never completely rid yourself of stress, you can help reduce it by taking note of some very simple ideas.

First and foremost, you should go the extra mile to ensure that you feel comfortable during your shifts. You cannot do much in way of your uniform, but the best doctors work shoes will work wonders. There’s nothing worse than spending hours on your feet knowing that blisters and other problems are surfacing. On a similar note, making more practical choices regarding your underwear will have a telling impact on how you feel throughout the day.

However, it’s important to remember that your work day starts long before you reach the workplace. The commute to work can be infuriating if you don’t take care. Given that most doctors nurses, and healthcare folk work shifts, it pays to get a car. Nobody wants to be using public transport after finishing a night shift. So, if you’ve yet to pass your driving exam, booking up lessons should be on the agenda for 2019. Just remember to avoid driving when you are overly tired.

Taking care of people is a wonderful thing to do. Nonetheless, you must not forget that the job is ultimately there to pay the bills. Having put yourself through medical school, you deserve to see the full financial rewards of a career in this field. Using a job board that’s specifically aimed at medical personnel lets you see the best vacancies. Moreover, it can highlight whether you are being paid enough or not. If the answer is no, it’s time to speak to your boss about a raise.

Knowing that you will get paid the right amount of money is one thing, but this isn’t the only thing that influences your finances. You may be due pension schemes, funded training, or various other entitlements. Letting this go to waste simply isn’t an option, and you must learn to take this aspect seriously. Likewise, some of your expenses may be covered by the company. When your funds are in good health, your job – and general lifestyle – becomes less stressful.

While it’s imperative that you take greater responsibility for your personal actions, you can’t stop there. Medical teams need to work closely at all times, which is why positive relationships will go a long way to making your job a lot happier. Suggest team bonding to your manager, and it could be the first step en route to achieving a better atmosphere around the team. The worst thing your boss can do is say no. Most will see the benefits, though, resulting in a positive outcome.

Last but not least, you should remember to establish a solid work-life balance. Do this, and you’ll feel far more relaxed in daily life.

Make As Much Money As Possible From Your Property

If you’re selling your property, then you want to get the best price for it. You know how good it is from living there but in a couple of minutes how your property can make the best impression? Here are a few tips on how to get the most out of your property – to get it sold fast and potentially add thousands of pounds to its value.

Declutter

It goes without saying that you would tidy up before people come to see your house, but it’s also a good idea to declutter as well. People need to be able to imagine what it will look like if they were to live in it, where their things would go. You can put your things into storage in the meantime, which will save time when you move out anyway.

Spruce up with fresh paint

I know, I know, you’re leaving, why paint now? But the time and money invested in giving the walls a new lick of paint will make all the difference. Use a neutral color which will make your home seem lighter and bigger and enable potential buyers to see how they would adapt the rooms to their needs. It will also be easier for the buyers to move in and use the rooms immediately than if the walls were still bright orange or turquoise. Don’t forget about the front door either, a new coat of brightly colored paint will make the perfect first impression.

DIY

If there are any minor repairs such as holes in walls, broken door knobs, cracked tiles or torn carpets, get them fixed. It makes moving in for the new owners far more comfortable and less stressful if they know there’s no added pressure and jobs to do when they get in there.

Clean and sparkly

Don’t just clean it, deep clean everything until it sparkles. Get rid of limescale, clean and repair tile grout, wax wooden floors, get rid of all odors and hang up fresh towels. This will make the place more appealing and will allow people to imagine living there themselves.

Don’t forget the garden

Cut bushes back, clean the patio and furniture and cut the grass.

Update the kitchen

The kitchen is the most valuable room in a house. It is worth the most per square foot and can make the difference when buyers are unsure. If you can touch it up by refacing your kitchen cabinetry and upgrading kitchen countertops, you can add serious value to the property.

Make sure you declutter the surfaces in the kitchen and leave a bowl of fruit out.

Finishing touches

Wall mirrors make a room look much bigger and lighter. Consider putting some up, especially in smaller rooms or hallways. Clean the windows inside and out, and replace any broken light bulbs.

If you need some inspiration go and view properties for sale to see from the buyer’s perspective what would make you want to buy a place – what little touches are you impressed by? What negatives do you notice that the sellers think are hidden? Have a good look round and take note of everything to make sure yours is the most attractive on the market.