How to use debt management to safeguard your financial well-being

Most people get into debt at some time of their lives. In fact, debt is often sought after by many people who want to buy their own homes. House prices are so expensive that most ordinary people have to borrow money by way of taking out a mortgage, and these mortgages get paid back over many years – usually up to 25 years.

People also often buy other expensive things like motorcars for example by taking out a short loan over a number of years, anywhere from 1 to 6 years in fact.

There is nothing wrong with being in debt. As we’ve shown it is quite normal. But the key thing to remember before you take on any sort of debt is to make that you can afford the repayments.

There are two types of debt; good debt and bad debt, so let’s take a look at these, starting with good debt. If you need assistance with debt management, or are interested in learning more about saving, budgeting and investing then check out the free ‘Money Academy’ resource here for instructional videos.

What is good debt?

Good debt can be seen as a way of investing in your financial future. It’s something that will enhance your future personal wealth. Taking out a student loan is a prime example of good debt. This is aimed at bettering your future employment, and money earning potential. Another good example is taking out a mortgage on a property. Properties generally increase in value … Read More


Low Budget Recipe Ideas

 Eat well for less.

Cheap and cheerful doesn’t necessarily mean tasteless or lacking in nutrition. Anyone who wants to eat well – and/or feed a family – can do it without overspending. Eating well doesn’t mean you need to take on debt – you don’t need to use doorstep cash loans or a bad credit loan if you don’t have a healthy credit score just to have healthy food.

If you’re looking to economise on food right now then these are some top low budget recipe ideas to help you do it.


This Italian staple should also be a store cupboard staple for anyone keen to prepare tasty food on a budget – particularly if you have lots of people to feed. The pasta itself is super cheap and you can make a sauce with onions, garlic, tomato puree and tinned tomatoes. If you can’t afford the minced beef for the sauce then use minced mushrooms instead – half the cost, lower in fat and super tasty too.

Shakshuka (baked eggs)

It sounds exotic (and tastes it too) but the reality is that Shakshuka is incredibly quick and cheap to make. Create a tomato sauce from tomatoes, onions and whatever leftover vegetables you have (e.g. kale or peppers) and add spices like cumin, paprika and chili (half a tsp each). Add your eggs (two per person) and bake until the whites are no longer see through. Serve with some toast or bread on the side.

Chickpea stew

Chickpeas are … Read More


What Should I Know About Credit Card Processing For My Home Business

Starting a home-based business can be a great thing, however, there are a few things to consider. One of them is whether or not you can accept credit card payments. Your customers will appreciate the ability to use a credit card when purchasing their products from you and your business.  The ability to accept such payments will give your business more credibility and your business will appear to be more established if you can accept credit cards.

There are several ways to go about this. It can make your business life much easier if you are able to accept credit card payments. You’ll be able to see that payments have been made and that the customer has the balance so that it can cover the cost of the purchase.

Use A Merchant Account

Merchant accounts are an ideal way to go. Your credit card payments will be safely deposited to your account and you can use PayPal or another independent sales program to process the payments for you. This can free up a lot of time for you and it’s very convenient for your customers.

If you don’t have a lot of sales, you can use this, and it will actually save you money. There won’t be any excessive fees and it will give you the funds. If you have a higher volume of sales, you can go with another option. It can be difficult to be approved for a merchant account with a bank as many of them don’t … Read More


10 Essential Pieces of Office Stationery That Should Be On Every Work Desk

When you say office stationery hundreds of different kinds come to your mind. Depending on the nature of work of your company, you would need different supplies.  In spite of the difference in the nature of work, there are certain items of office stationery that are used in all companies. No matter how developed today’s world may be many of the traditional office stationery continues to be used by almost all the organizations.

There are a number of cheap stationery supplies and suppliers from where you can get these things. Let’s take a look at some the essential pieces of office stationery that are necessary for your work desk.


Pens are one of the most important items that need to be there on every work desk. Whether it’s meetings, conferences, presentations, or classes you would have to take down notes or sign some documents. It’s better to have at least a pack of pens both black and blue and even other colors depending on the nature of your work.


Pencils are definitely another piece of stationery that is required. You can take down quick notes and pencils lasts longer than pens. Make sure you have a sharpener along with your set of pencils.

A4 papers/ White Papers

You are able to put your thoughts in writing on a white paper. White papers also come in handy when you have to write down plans or draw diagrams. A4 papers can be used for taking printouts.


One of the … Read More


Ways to Get Approved for a Loan Faster

Applying for a loan online is arguably the quickest way to get approved for cash fast. Be that as it may, applicants can experience different processing times. Though it is sometimes beyond their control, many times, loan applications are held up because of human error, missed information, or inaccuracies. To speed up the approval process and get your money within one business day, here are some suggestions when filling out an application.

Fill the Application Out Entirely

There are easy cash loans you can apply for online. However, incomplete applications lead to the need for the lenders to have to contact you before they can go forward with reviewing your loan application. The best thing you can do to speed up the process is a double check that you’ve filled in all required fields on your application as well as provided any necessary backup information that was required.

Don’t Lie

Though you may feel that certain areas of your life may make you ineligible for a loan it is important that you do not lie or omit the truth from your application. This is especially true when stating your income. Since the lender will have to verify this information with your employer, if the numbers are conflicting, this could eliminate your chance to borrow money. Not to mention, increasing your income on an application to make it look as if you can afford the loan could lead you into debt. Since you really don’t make enough to cover the … Read More