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Living Savvy

    Living Savvy

    The Best Platforms for Making Online Sales

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    Increasing numbers of us are considering selling items online – we can see others raking in huge amounts of money from this sort of venture. But if you don’t want to go full on professional and set up your own website, it’s important to remember that there are a variety of different sales platforms out there that you can use, which are specially designed to make selling and generating a profit as fast and simple as possible. Here are just a few to consider!




    Learning how to make an amazon seller account is relatively simple and once you’re set up and ready to sell, you can rest assured that your items will be showcased to Amazon’s huge number of users. Amazon tends to be best for those of us who have multiple brand new items to sell rather than one off second hand goods, but don’t worry – you don’t have to be a big time seller or a professional to sell on here!




    Depop is a relatively new sales platform. It is downloaded as an app that can be used by buyers and sellers alike. It is essentially a combination of a Instagram style feed and sales tools which can allow people to buy whatever you happen to be posting pictures of. This is great, as people who are interested in what you have to offer can “follow” your page and get regular updates of anything new that you have to offer. People can comment on your posts if they want further information about an item, and you can easily hashtags that can direct people who don’t follow you to your page. If you’re lucky, your item might be featured on the app’s “explore” page, which means that it will be shared with hundreds of thousands of users who may be interested in purchasing! Depop charge a fee and all payments must be made through Paypal, which charges a fee too. But if you become a regular seller, this will all be more than worth it!




    Etsy is a little different to other online marketplaces or sales platforms that you might have come across in the past – you are limited to selling vintage or handmade goods on here! This, of course, is relatively specialist and niche. But if you happen to be selling vintage or handmade goods, it could prove to be perfect for you! People will visit the site with intent of buying what you have to offer and they won’t have to sift through unassociated items to find you! Like eBay and Depop, you will have to pay a portion of your profits from each sale in order to use Etsy, but this can be stored up into a monthly bill which can be paid out down the line, rather than having it deducted from your takings straight away.


    These are just three popular platforms that are available to anyone who wants to sell bits and bobs online! Consider the merits of each and determine which is best suited for what you have to offer, then set up and you’ll be making sales in next to no time!

    Living Savvy

    How To Get The Money To Buy Your First Home

    If you’re thinking of taking the first step, and putting your foot on the property ladder, then you need to have the financial backing to make sure that you can sustain this journey. Needless to say, it is an exciting time, but you can get ahead of yourself in terms of what you can afford, so it’s important to stay focused on your budget and the monetary support available. We’ve put together a quick guide, so that you can see what your options are when it comes to funding the home of your dreams!

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    Speak to your family

    If you’re looking to buy your first home but you’re not sure that you have enough of a nest egg to get you started, then speaking to your family and finding out whether they can lend you the money for a deposit is a good idea. Don’t make them feel like they have to give you the money and make sure you approach the topic in the right way, and ensure that you have enough money to not have to borrow from them again with regards to your home. If it makes them feel more comfortable, get a contract drawn up that you both sign, so that everybody’s mind is at rest.


    Speak to a Hard Money lender

    If you don’t feel too comfortable about approaching your family and asking to borrow money, then there are many companies out there who will help you to get your foot on the housing ladder. You can get a loan from a variety of places, so don’t make the mistake of thinking that you can only go to the bank, especially if you don’t think that you’ll pass a credit check or income verification. A Hard Money loan could be the best idea for you, and they’re on offer no matter what your situation is or where your property is currently at.


    Rely on your savings

    If you’re in a good financial situation and you have enough to cover any unexpected costs and emergencies that may arise, then you may be able to pay off the deposit, and the first mortgage payment, on your home simply by using your own savings. Whilst many people don’t have this amount, you may prefer to wait a while to get your savings up and use your own cash instead, particularly if you’re not fond of the idea of getting a loan. Using your own money can be a great feeling, but don’t cut yourself too short, and work out what costs you’ll need to pay beforehand.


    So, there are many ways that you can accrue the money needed to buy your first home, and speaking to your family is one of them. Make sure that you get a contract in place, and don’t put them under any pressure to hold you up financially. You can also speak to a Hard Money lender to get the cash quickly and without a credit check, and if you’re in a good position financially, you can even use your own cash to get the ball rolling. Good luck, and happy house hunting!

    Living Savvy

    Protecting Yourself When You are Self-Employed

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    There are so many benefits that come hand in hand with being an employee. You have contracted hours, so know how much money you will be bringing in on a monthly basis. You don’t have to worry about taking time off to recover from illness or injury, as you will receive sick pay, allowing you to recover without worrying about financial instability. You are likely to be entitled to parental leave. You also receive annual leave, so you can enjoy a little time away from the workplace each year. However, an increasing number of people are opting to pursue a self-employed lifestyle. Being self-employed means that you are your own boss. You can decide what hours you work, where you work, and what direction your career takes. You also make yourself rich instead of other people building their dreams and making major profits off your back. Now, when you are self-employed, you take on full responsibility over yourself and you are also exposed to particular threats or problems that employees may be oblivious. Let’s take a moment to look at a few different areas that will change when you make the switch to being self-employed!


    Managing Your Finances


    Everyone has to manage their finances. But when you become self-employed, you have to take on even more responsibility over your own money. Why? Well, when you work in an employed position, your employer ensures that your taxes and other legal contributions are automatically deducted from your pay. You don’t have to consider paying them yourself. Instead, you just receive your wages in your bank account and how you spend them is up to you. When you are self-employed, you have to ensure that you deduct your taxes and other necessary costs from the money that you earn. If you fail to do this, you will get to the end of the tax year, will complete your tax return, and find that you have huge amounts of outstanding money that you can’t get together in time for payment. You will then receive all sorts of late payment fees and fines. If you don’t pay up at all, you could face serious legal action. If you find yourself in this predicament, feel free to contact McCarthy Law PLC. They will be able to give you any advice that you need.


    Opening Up a Business Account


    One of the easiest ways to organise your finances when you are self-employed is to separate the money that you use for your business and your personal money. This will allow you to know how much you have available to spend on business and what you have to spend on personal items. The best way to separate your finances is to open up a business bank account alongside your personal bank account. They will generally work in similar ways, but you will just benefit from a little organisation.


    Paying Your Taxes


    Paying taxes can be an extremely complex process, especially if you start deciding to expense particular business costs. The easiest and most secure way of completing your taxes is to engage with a professional accountant. They will be able to complete your tax return at the end of each fiscal year on your behalf. You can also benefit from their services in other ways – they can take a look at your spending habits and suggest areas where you might want to cut spending and areas that could be lucrative if you invest in them further.


    Taking Out Insurance Policies


    When you are self-employed, you are responsible for all of your own equipment. If a laptop, tablet, or smartphone breaks or is lost or stolen, you’re the one who’s going to have to fork out for repairs and replacements. This can be costly, but necessary, as you may need these things to be able to complete your business tasks effectively. A good idea is to take out insurance policies that will cover expensive items used for work. This means that if anything happens, they will be repaired or replaced quickly and you will only have to pay for an excess.


    Write Up Contracts


    If you enter into any deal with a client, customer, or other individual, it’s important to write up some sort of contract. This will ensure that everyone sticks to their end of the deal – whether it’s a contract for a financing or payment plan for your products or a contract regarding supplying and manufacturing. If someone doesn’t stick to the contract, you can then take legal action more easily with higher chances of success too!


    These are just a few different steps that you can take to protect yourself when you are self-employed. It is generally best to implement them into your business practice as soon as possible. This means that you will prevent problems from occurring in the first place, or that you can take steps to rectify issues that do manage to establish themselves.

    Living Savvy

    Financial Advice You’d Wish You Knew Sooner

    Whether we like it or not, money does make the world go around if you want to gain financial stability. While money doesn’t always bring happiness, when you want to raise a family and build a life for yourself, being wise with your finances will certainly make it much easier for you. Money handling isn’t as easy as it might seem though, so today we’ve got some financial advice you’d wish you knew sooner so that you can begin to get your life on the track you want it to be on.

    Photo by Jeremy Dorrough on Unsplash

    Check and take note of your credit score

    The words ‘credit score’ often scare people because they don’t quite understand what it means. To put it simply: credit score is a rank (usually out of about 700) that scores how well you handle your money. Every decision you’ve made financially will reflect on your credit score. So, if you’ve missed some payments or taken out loans, it will affect the score you receive. However, credit report companies are now able to offer advice on how to improve your overall credit score. The number you’re scored is important because it could affect large purchases such as becoming a homeowner or gaining finance for a car.

    Prepare for the big purchases in life

    Speaking of large purchases, it’s always a good idea to prepare for the big purchases that you may be planning on making in the future. So, if you’re planning on getting married, working out how you’re going to afford the wedding you’d like is a good place to start. The same goes for buying a home to settle down in; checking out the advice on first time buying from Dean-Smith Realty will help you make the necessary changes in your life so that you’re plenty prepared.

    Use better money handling techniques

    Being good at handling money means refraining from overspending, paying your bills on time, and knowing what’s in your account. While the premise might seem simple, it can sometimes be difficult to resist spending that little bit too much. Clueing yourself up on better money handling techniques and putting them into practise will help you cope better financially when you’ve got commitments that need to be fulfilled.

    Become more self sufficient

    Finally, a great way of taking care of your finances is by becoming less reliant on services and goods that you’d usually buy. Here’s some examples:

    • Investing in solar panels will save you tonnes of money in the long run and eventually, they will pay for themselves while still saving you money.
    • Building and maintaining a vegetable patch will help you grow your own produce; meaning that you won’t have to spend as much on groceries.
    • Keeping livestock will help keep your family fed with milk, eggs, and even meat if you wish.

    As you can see, with a little bit of financial knowledge, you could have a much more financially stable future, so put these steps into action and look forward to a comfortable future!

    Living Savvy

    Improving A Poor Credit Score: Must-Read Tips



    It does not matter how old you are, how much money you have, or what your profession is, one thing you definitely need to be concerned with is your credit score. This is a score that lenders and banks can see if they are considering giving you a financial product, be it a credit card or a home loan. If you do not keep a track of your credit score, you may find that this puts a halt on your future plan as you are not able to secure a mortgage or any other financial products you require.


    So, what happens if you have a bad credit score? There are a number of different reasons why this could occur. You may have reached a stage of financial difficulty in your life for one reason or another, which has meant you have become reliant on credit. Or, your score may be bad simply because you have never checked it or maintained it, and so you have made careless errors such as late payments without even realising it. Another reason why people have poor credit scores is because they do not have any credit history whatsoever. You may think never taking out a credit card is a good thing but it can hinder your credit score dramatically. This is because credit report agencies have nothing to base their decision on. They can’t tell lenders whether you are reputable to lend to or not because they simply don’t know. This is why it is a good idea to take out a credit card and pay it on time every month so you can show you are someone credible to lend to.


    Steps to take if you have a poor credit rating


    If you have a poor credit rating, there are a number of different things you can do to improve this. Here are some suggestions:



    • Download a full copy of your credit score – The first thing you need to do is make sure you download a full copy of your credit report in full. This is beneficial because you will be able to see all of the details regarding the money you owe and to whom. It could be that your credit report actually has a mistake on it. Is there an account that has not yet been settled on your report, despite the fact you paid it off months ago? If so, you need to get in touch with the lender so that they can rectify this with the credit agency. You will also be able to see what is having a negative impact on your score. It could be, for example, that you are using a high level of the credit that is available to you or that you have made a number of applications for loans and cards in the past six months. There are many different factors that influence your score, so you need to get to the bottom of the negative factors relating to your score so you can rectify this.
    • Lend responsibly – If you have a bad credit score, it is probably not a good time to start taking out more financial products. Nevertheless, there are scenarios whereby this simply cannot be avoided. For example, if you need to fund a repair or you require a new car. In this case, choose your loan with care and make sure you are eligible before you apply. Head to to find out more information about the loans that are available for people that currently have a bad credit score and would not be eligible for other types of loans.
    • Put together a budget – The next thing you need to do is put together a budget so you can have a complete understanding of the money you have coming in and going out every month, and therefore, how much is left over. When putting this together, make sure you do not leave out any type of expense, no matter how insignificant it may seem. You also need to attribute a chunk of money to your living expenses every month. Make sure that this is a realistic amount. You will then see how much money you have to spare per month. You can then determine how much you will be able to put towards your debts, giving you a realistic picture regarding when you will be debt-free.
    • Improve your money management skills – You also need to make an effort to improve the way in which you manage your money. Putting together a budget is an important step in this but there are other approaches you can use too. Read my money management tips here: From tracking your spending to looking for secondary income sources, there are a number of different things you can do to improve the manner in which you manage your funds.
    • Pay the most expensive debts first – Rather than trying to pay off all debts at once, you need to start with the most expensive and work your way down. The most expensive is the one with the highest APR. Make sure you make your minimum monthly payments on all cards, though – you cannot neglect your responsibility to do this.



    So there you have it: the complete guide to fixing your poor credit score. Hopefully, you now feel more prepared in terms of devising a plan that will help you to rectify your credit rating and make positive changes. While your rating will not change overnight, if you stick to the tips that have been provided in this blog post, you will surely notice a difference as time goes on. Simply burying your head in the sand and hoping it will sort itself out is never a good way to go about things.