Motivational Speaker

Book me to speak at your event

Gabby Bows

Shop

Browsing Category:

Living Savvy

    Living Savvy

    What Are The Fastest Ways To Get Some Extra Cash?

    dollar-163473_1280

    Image Source

    You should always ensure that you have cash when you need it. Putting some savings aside can help you reduce financial stress and bail you out of tough situations. If you don’t already have an emergency fund, you should work on getting your finances in order next year. But what if you need money now?

    There are many situations where you need money fast. For instance, you may need to deal with medical bills or an emergency repair. Sometimes you might just have some extra time and want to trade it in for some pocket money. Here are some of the fastest ways you can get some additional funds.

    Borrow Money

    One of the easiest ways to get extra cash when you need it is to borrow! Of course, you’ll have to pay it back. But it can help when you need to cover a payment fast. You can easilyt check out a Cashfloat calculator if you’re ever unsure how much you could borrow.

    Many banks let you apply for personal loans online now. Make sure you do your research into ones offering the best services. There are many ways you can do this- for example, you could read a Citizens Bank review or check a lender’s online feedback ratings.

    You could also use payday loan services. They can provide you with cash instantly. However, they come with rapidly increasing interest rates. It’s better to use personal bank loans unless you can pay off your borrowed amount fast.

    Get Selling

    You can make cash rapidly simply by selling some things around your house! Electronics, fitness equipment, and clothes can all be quick and easy to sell. There are also various methods you can use for selling.

    Sites such as Craigslist allow you to put up ads for whatever you’re selling. You can find a buyer in your local area who’s willing to meet you and pay by cash instantly.

    You could also take your old belongings to a local flea market. You might be surprised at how much you can make from stuff you don’t need! Another idea is to start a yard sale. All you need to do is set up a table outside. If a lot of people pass by your house, you can make money from your stuff fast!

    Do Cash-In-Hand Jobs

    Getting an extra job will help you rack up some extra cash. But tracking down opportunities, taking interviews, and getting hired can take a long time. You might want to do some cash-in-hand work instead.

    You can get paid for all kinds of skills and services. You could offer to babysit for neighbors for cash. Or maybe you can do some yard work for local people. You might even want to provide IT help or graphic design skills.

    The internet can also be useful for this. Many cash-in-hand jobs are both advertised and requested on listings sites like Craigslist. You could also create a Facebook post to offer services to friends and connections.

    Make Money Online

    There are various methods of making money on the internet. All you need is a computer and some spare time. While some take a long time to generate profit, others are much faster!

    Some sites let you fill in short 5-10 minute surveys for money. There are also freelancing sites where you can offer your digital skills for PayPal money. You might not make a ton, but it’s fast and easy!

    Family Living Savvy

    Outgoings Too High? How To Save More Money Each Month

    At some point in our lives, we can struggle with our finances. The most common problem being that our outgoings are higher than what we bring in. As it’s a common problem, it means there is light at the end of the tunnel. Thankfully things like this can be controlled, and you can get yourself out of the red and into the black sooner than you think. With that in mind, I thought I would share with you some of the ways you can make savings each month. Hopefully making your financial future much brighter.

    6793826885_d3b6befb99_z

    Image source

     

    Stop spending too much on food

     

    Food shopping can be one of your biggest expenses after paying for your home. However, it is also the expense you have the most control over. After all, you are the one who is buying the food. Sometimes careful consideration like meal planning can save you a whole heap of money each week. Also, this enables you to work out what ingredients you have in and therefore should start to reduce the amount of food you waste. Armed with a list you should only then buy what you need, rather than being tempted to add further things to the trolley. Savvy shoppers will also consider buying different things from alternative stores. Some shops offer bigger savings than other. If you do your research online, there are plenty of recipe ideas for using more budget friendly ingredients. Which can also help save you money.

     

    Consider changing your shopping habits

     

    Saving money doesn’t mean you have to sacrifice on your spending; it just means creating new habits to help you become more frugal. Things like clothes are essentials, but instead of buying when you need you could be organized and buy in the sales. It can help when you have children. Also, a great tip is to consider using discount and vouchers codes to bring the overall cost down. Everyday essentials and big ticket items can all be covered under codes. One to consider would be something like a Target.com Coupon Code. Make sure you save the difference in a separate account, so you can see them add up over time. For some people, sacrificing their luxuries can offer big savings. For example, if you have a take out coffee each day consider making one from home instead. That saving can mount up on a weekly basis.

    Switch providers for your essentials

     

    The perception is that loyalty can pay off. But for things like energy and internet access it pays to be a new customer. Most brands and companies offer their biggest savings to new customers to entice them in. So take advantage of that and switch providers as and when you can. Keeping an eye on offers will keep those costs at an all time low. Some people have saved a small fortune just by refreshing their bills.

     

    Consolidate any debts

     

    Finally, paying several debt payments out to different providers can end up costing you a lot. So consider consolidating those debts into one monthly payment. Not only saving you money but also helps you to reduce the balance, rather than paying several interest payments out.
    I hope these tips help you save more each month.

    Living Savvy

    My Best Advice For Buying Jewellery

    Many people all over the world worry about how they look. To feel more beautiful, we tend to buy a lot of jewellery. It looks good on us and makes us feel elegant and important. We grow in confidence and feel better about our looks.

    The problem a lot of us have is that we buy too much jewellery. We end up wasting money on things we wear once then discard to the bottom of our jewellery box.

    Today, I’m going to bring you some advice of my own. I’ve got a few things listed that I think everyone should consider when they buy jewellery:

    jewellery-1175532_1280

    (pixabay: https://goo.gl/xS4BOq)

    Are You Getting Good Value For Money?

    Obviously, your biggest consideration should be the price. How much are you going to pay for that necklace or those earrings? What you need to look for is value for money. Sometimes, it’s worth spending a lot on an item because you’ll wear it lots. It goes with plenty of outfits, and you can wear it every day. So, you’re getting good value for money by buying it. On the flip side, if you spend loads on an elaborate piece that only goes with one specific outfit you own, then it’s bad. You’re not getting a lot out of the purchase, so you shouldn’t buy it.

    One thing that always sets prices through the roof is diamonds. Diamonds can be costly, and some jewellers try to charge you more for them. So, you have to be alert and know how much a diamond should cost. Sites like YourDiamondGuru.com can help you with regards to diamond buying. Sometimes, it’s worth buying an item with smaller diamonds, because it’s better value for money.

    Are You Buying From A Trustworthy Source?

    The jewellery industry is riddled with fakes and rip-offs. There are so many companies that claim to sell genuine things online. In reality, they’re fake, and you’re being ripped off. My advice is to ensure you buy from trustworthy sellers like Jacobs The Jeweller official. Check reviews online to ensure you’re not throwing your money at a fake company.

    The best way to make sure you buy from reliable sources is by going to actual jewellery stores. They have to be genuine, or they wouldn’t be allowed to set up the shop. Also, try and stick to the brand’s online store too. Of course, not every online brand has a store. For example, we were recommended to look into rings by ManlyBands, who are an online store, who sell wedding rings for men and wedding bands, which would be a nice gift to your loved one. Just be sure you have done enough research into a company you many not be too familiar with and buying online too.

    If you’re buying a Pandora item, buy it directly from http://www.pandora.com/. This guarantees you’re buying a genuine item, and won’t get ripped off.

    How Do You Know It Suits You?

    If you’re buying online, then there’s every chance you won’t know if the item suits you. So, my advice is to buy your jewellery from a physical store. Somewhere you can travel to and try on the pieces before you buy them.

    By doing this, you ensure that the item fits and looks good on you. So, you don’t have to waste money on returns! Or, even worse, buy something from a site that doesn’t accept returns and get stuck with it.

    Take my advice on board and jewellery shopping will be a lot easier. You should manage to buy things that you like, and that you’ll wear a lot. As such, you minimise the amount of money you waste!

    kids and fun Living Savvy

    Decorating A Room For More Than One Child? Here’s Some Tips To Help

    Decorating your child’s bedroom can be quite an exciting time. Whether that is the nursery to bring them home to, their special toddler room, or a real grown up affair. Each of them mini milestones themselves. But, when you have to do it for more than one child at the same time, it can get costly and take up more space in your home. More often these days, twins and siblings share. So I thought I would share with you some tips on how to decorate a room for more than one child.

    maxresdefault Image credit

     

    Think about your budget

     Decorating for more than one child can often mean doubling your budget. While of course, it will cost more you don’t need to necessarily do that. The best thing you can do is work out how much money you have to spend on the decoration. This will mean planning for different furniture purchases and all the materials you will need. Knowing your budget and the costs in advance will mean you are less likely to overspend.

     

    Draw up a room plan

     When children share, it can often feel like you are trying to cram too much into your space that you have to work with. So an excellent suggestion would be to draw up a room plan. Work out where you want key pieces of furniture to go, and where everything else may lay. It might highlight if you need to rethink certain purchases or create different storage solutions to make the room functional. While you want the place to be fun filled, you also need it to be user friendly and an environment the children can relax in for bedtime.

     

    Save on the big purchases

     The big purchases can be the things that eat into your budget the most. So try and save yourself as much as possible here and think of alternative solutions. Beds, for example, can be costly when bought individually. You could consider bunk beds instead. You can even get Triple bunk beds if needed. What this does is have you on space and also overall on the cost. Some furniture may not go with your new theme or ideas, but it doesn’t mean you have to replace them. Instead, try and work with what you have got and do some upcycling. This could be a great money saver, and you already know the furniture works and fits in the room.

     

    Try and create spaces to express individuality

     Finally, it can be hard but try and create some individual spaces to allow you children something personal to them. Twins and siblings have their personalities that they may wish to express. It might mean creating a reading nook for your avid little reader, or a work station for a more creative child. Think of their needs and work around that. The use of colour and feature walls could distinguish the different areas. As will soft furnishings and accessories.

     I hope these tips help you when decorating a room for more than one child.

    Living Savvy

    How To Make Some Fast Cash When You Need It

    We’ve all been in the position of needing to make some cash in a hurry. When you’ve stripped away all of the options that are illegal, it can often feel like there aren’t many avenues to go down. And because getting a job can take a bit of time (and see you waiting a while to get paid), that’s not always an option. Not least if you’ve already got a job and need a bit extra.

    Continue Reading