Free Samples and Other Free Stuff

Free samples are now used by an increasing number of companies due to increased competition in the marketplace. The opportunities that free samples offers to purchasers far outweighs the cost to the company for supplying such samples. Everyone wants a bargain and a good deal and it is important that customers feel confident with the product they are buying before handing over their money.

Free samples available online helps anyone make the best purchasing choice and allows them to invest their money wisely. Free samples enable making this decision much easier than it was in days gone by.

The choice of options when making a purchase, regardless of the item required, is often overwhelming to an individual and being able to obtain a free sample helps in that we are all able to check out the quality and nature of the product before investing further. Big companies are aware of this need in their customers and so free samples becomes an important aspect of their marketing strategies.

Most of the major companies, both online and off-line, use free samples as an important advertising strategy. Free samples on a way for companies to get new and existing customers to try new products. This gives essential buyer–feedback to the company and allows them to focus more accurately on future product releases.

Because the use of free samples has become so extensive, specialized websites have now been created to cater for these needs. Free samples websites often offer a wide and diverse range of the current samples that are available from the leading manufacturers and distributors. Visitors can sign up to their regular newsletters to receive the latest information about the best and most widely sorted free samples available at any given time.

Naturally, when looking for free samples online, we should exercise due diligence to ensure that the site you are reading is legitimate and is offering free samples that can be easily obtained without having to give too much information to the site owner. However, most cases, the leading free sample sites can be found very easily in your favorite search engine and they often have blogs which are updated on a daily basis which enable you to see the current status of the best free samples available.

So if you are looking to try a product before you purchase and would like the opportunity to obtain a free sample of the product, simply make a simple search online for your desired product followed by “free sample” and you will soon be presented with the latest available free samples available at any given time.

Some other points to consider when obtaining free samples include the following:

1. Ensure that you do not have to give any credit card or financial details in order to obtain your free sample. Not want to have to commit to anything and so the samples being totally “free” and not be under any obligation.

2. Make sure that you are not signing up for a “trial period” where you only have a certain amount of time to try the free sample before you are obliged to purchase it.

3. Check that there is no shipping costs involved when ordering the free sample.

4. Be sure that you do not have to to create an account that is linked to a credit card or bank account in order to obtain your free sample as cancelling such accounts can sometimes be quite difficult and time-consuming

Some useful sources for free samples include: Constantly updated with all of the latest free samples and free samples by mail. Everything is 100% free of charge with no strings attached! No strings attached. Get hundreds of legitimate free samples of products from brand name companies. Free shipping. Looking for free samples? Woman Freebies helps you find the most current free samples from around the web in one convenient place.

Enjoy the process and obtain some really good examples on your journey.

Printable Coupons & Coupon Codes

Free printable coupons and coupon codes are an increasingly popular way of saving money when shopping. These coupons and codes have been around for many decades through the printed press, but since the explosion in Internet usage, most companies now provide these printable coupons as part of their standard marketing strategies.

It is not that long ago when these free printable coupons were only available through the Sunday newspapers. People would have to wait a whole week just to obtain some discount coupons that they could use in their local shops. However, it is amazing how quickly times change and now many people consider coupons to be an automatic consideration when deciding upon what and where they are going to spend their money. This is not surprising when it is not uncommon to find discounts of up to 70% or 80% when companies are running promotions.

Free printable couponsFree coupons have become so popular that there are now even books published and available online guiding people into the best ways of finding and using these free printable coupons. Below is just one example of the range of books available…

The Coupon Mom’s Guide to Cutting Your Grocery Bills in Half: The Strategic …
Stephanie Nelson, published 2009, 304 pages

From a buyers point of view, it is important that we are in a position to use the free coupons when we want to and so we need to be sure that when we are shopping that we have the coupons in our possession ready to be used. There’s nothing worse than being in the store and ready to make a purchase only to find that the coupon is sitting in a drawer at home somewhere!

Here are some interesting pointers to avoid such errors…

Avoid Avoid Extreme <strong>Couponing</strong> Pitfalls - Looking At <strong>Coupon</strong> DatesExtreme Couponing Pitfalls – Looking At Coupon Dates
from sherrykochmail, undefined ago in Business
Merchants have a few tricks up their sleeves!!! The good news is that if you prepared you will maximize your chances of success easily.

So where do we find these free coupons? well, as stated above, there are many sites that specialize in sourcing and listing many of the major free printable coupons available online today.

One such site is who offer coupons, coupons codes, card linked offers and loyalty coupons to their visitors. You can sign up to their newsletter and receive instant notification of the very latest offers as and when they become available.

To keep up with technological developments it is not surprising that companies are now releasing apps smart phones that unable customers to grab the latest coupons and deals immediately and easily.

Here is an example and excerpt of a press release of one such coupon launch;

Valpak® at Forefront of Technology; Launches Coupon App for New Apple …
WebWire (press release), on Wed, 22 Apr 2015 06:07:30 -0700
Leading the way in technology, Valpak® announces its new coupon app will be available for download for the Apple Watch™, making it one of the first coupon companies to offer savings for the new device, and making it easier than ever for consumers to.

So start cutting your bills today and embrace the wonderful world of printable coupons!

Promo Codes – Discount Codes

Free promo codes, or discount codes, are another excellent way of saving money when purchasing goods online. Any purchase made online, be it a regular or one-off purchase, will often benefit from a free promo code that has been issued by the retailer or manufacturer. Simply entering this free promo code at checkout will usually result in a substantial saving in the final purchase bill.

A recent survey showed that the use of these free promo codes has risen by almost half in the last year. Below is a link to the full report below –

The number of people hunting free promo codes before making purchases online has grown by almost half over the past year.

Whenever there is a shipping cost involved in the purchase, additional shipping coupon codes are also often available which will result in a further discount to the buyer.

The introduction of free promo codes is primarily a result of the incredible increase in online purchasing. The vast majority of households in the Western world are now linked to the Internet and online shopping has become one of the primary sources of purchasing for many, many households. This has meant that many companies have had to rethink their marketing strategies and create whole departments focus on optimising the online shopping experience. free promo codes are one of the obvious measures that could be introduced to give incentives to both existing and potential customers.

As with printable coupons, many guides are now available online to help people in their search for relevant and active free promo codes. Here is an example just one of them –

Coupon Codes and Savings
by Kendra J. Newton

Free promo codes have become so popular, that they are even promoted on local radio stations – Coupon codes for April deals KMBC Kansas City, on Tue, 14 Apr 2015. This just goes to show how much they have become an intrinsic part of our society will stop

These promPromo Codeso codes come in various forms. Some will offer a percentage discount on the final bill while others will give a fixed monetary value discount. Many of the free promo codes will have a time factor element to them meaning that they have to be used within a certain time period. This enables the seller to focus on precise marketing objectives and to shift the stock that they need to shift in any set time period.

One great advantage of free promo codes over printable coupons is the very fact that they do not have to be printed out. They are only used for online transactions and are simply a sequence of numbers and letters which have to be entered into a ‘coupon code’ box at the final checkout stage. Because of this, there are no coupons to collect (or lose!) and it only takes a few extra seconds to make, in some cases, a significant saving.

These free promo codes can be found both from specialist sites and directly from manufacturers. Those sites that specialize in printable coupons will often also have a massive range of free promo codes available as well.

Some of the main sites to consider when looking for coupon codes are and but other significant ones include; and

Always remember that whenever you are ready to place your order online, first do some brief investigation to find the relevant discount free promo codes available to you. In many cases, you will be pleasantly surprised at the amount of savings you can make when you use these codes and you will discover how quickly those savings can mount up when you are using these free promo codes for the majority of your online shopping.

Developing Your Own Home Business

Without doubt, most people can relate to the fact that, in the 21st-century money has become much tighter! Families and individuals are finding it much more difficult to make ends meet with ever-increasing demands upon their purse. The basic necessities of life including; food, housing, clothing, etc have all dramatically risen in price within these first two decades of the 21st-century. Many people are having to tighten their belts and are looking for alternative or additional ways to increase their income.

See this recent report from the Huffington Post about the increase of home businesses, their pros and cons;

Running Your Business From Home… Challenges and Solutions!
Huffington Post UK, on Fri, 17 Apr 2015 02:33:02 -0700
While it can certainly be tough at times to try to balance your home business with managing a young family – it’s also a hugely rewarding challenge! I run my own events business from the home I share with my husband, and three young children, aged

What has become increasingly popular in order to address this issue is the development of the home businesses that more and more people are embracing. More and more people are starting to do this either part-time or even full-time as an ever-increasing array of opportunities present themselves both online and off-line.

home-office-336378_640An increasing proportion of the population are starting to develop home businesses as their major source of income. What for some people started off as a hobby or interest soon grew and developed into a full-time occupation and income. The Internet has been a primary catalyst in this evolution as it has made it much easier for people to develop businesses from the comfort of their own home whilst reaching out to a global population. More and more companies have specialized in assisting people in the development of home businesses which has made the task much easier than it ever was before.

here is an excellent publication to read that explains the process in more depth – Setting Up and Running a Successful Home Business Kelvin Worthington, published 2006, 64 pages

Good examples of new businesses formats are mail order businesses and multilevel marketing which have become very popular but other people have focused on such outlets as Amazon and eBay and become highly successful.

Here are some publications describing some niche home business ideas which provide excellent examples of what is possible when developing a new home business –

How to Start a Home-Based Children’s Birthday Party Business
Amy Jean Peters, published 2008, 192 pages

How to Start a Home-Based Jewelry Making Business: *Turn your passion into …
Maire Loughran, published 2009, 224 pages

The 200 Best Home Businesses: Easy To Start, Fun To Run, Highly Profitable
Katina Z. Jones, published 2005, 272 pages

How to Start a Home-Based Online Retail Business
Jeremy Shepherd

Blog Your Way To The Top Of Your Home Business Organization

As more businesses develop, then more services required to support these businesses, which in itself leads to more home businesses developing as a result. Such services as ghost writing or typing are excellent examples of this. People are always looking for specialists and this has meant that specialists can now offer their services online and the premium. Once again, distance or geographical location is not an issue and as a result, businesses can expand very rapidly.

This has also spurred the development in online networking for businesses or individuals to pool their resources and offer their combine services as a package online. Again, all of this can be performed and coordinated from the comfort of home.

here is an excellent recent article about how people are using social media in their home businesses –

How social media is helping boost home business
THV 11, on Thu, 23 Apr 2015 20:33:45 -0700
How social media is helping boost home business. “I was the one that was like I will never make any money with network marketing and I was blown away because it did happen,” Megan Hatcher explains. Loading… Post to Facebook. How social media is …

For anyone considering starting a home business, the first thing is to perform your research. Identify your interests and skills and look at the competition there is currently out there offering similar services to your potential customers. Once you have clearly defined your market, your then a much more powerful position to identify exactly where you are going to pitch yourself. Again, this is when networking is very powerful as it allows you to discuss your potential business ideas with other like-minded people.

Here is a brief presentation which offers some additional insights when researching for a home business idea;

How to Find the Perfect <strong>Home</strong> <strong>Business</strong> for YOU!How to Find the Perfect Home Business for YOU!
from JimEastman, undefined ago in News & Politics
Are you inquiring for a lucrative home based business?

The next logical step would be to create a business plan, as if you were presenting your business idea to a bank or an investor. This way you can clearly define exactly what your goals are and the manner in which you intend to achieve them and any obstacles that need to be addressed in order to achieve your goals. Your business plan should be as clear and as detailed as you can make it as it will prompt and encourage you to think about how you see your business developing and growing.

This guide shows you how to create a simple business plan for any type of business or enterprise;

The Business Plan for Home-Based Business – SCORE
T he Business Plan for Home-based Business. Management and. Planning. Series. Building … EVALUATING THE SITE FOR YOUR HOME-BASED BUSINESS.

You will soon discover that you are in a very powerful position to start offering your services to the world in less time than you thought. Once you put your toe in the water and give it a try you will soon receive valuable feedback and important data into how you should proceed next. You can soon find yourself developing your business very rapidly and receiving an income that you never thought possible!

In the following video you can see 50 ideas that can whet your appetite when considering which home business idea might be right for you –

Conduct your research diligently, set out your goals, set out your plan and start moving towards a greater degree of financial independence whilst having fun in the process.


Save Money and Buy a Used Car

The simple fact of the modern world is that we all need transportation, and most people prefer to have their own car to achieve their transport needs. For short journeys, an increasing number of people are turning towards pushbikes and in some cases public transport, but for the vast majority of people, especially when needing to travel further afield, the car is an absolute necessity.

In difficult economic times, buying a new car becomes a questionable issue. The cost of new cars has become increasingly high and more and more people are considering whether a used car is a more viable and cost-effective option.

The used car market as had quite a negative image in past years and many people immediately think of a untrustworthy car salesman selling them a heap which has been made to look something that it’s actually not under the skin! It has been difficult for car traders to shake off this negative image but a lot of work has been put in to try and properly inform prospective buyers about the integrity of both the used car business and the cars for sale.

Used car prices reach record level in 2014 – Autoblog Edmunds says the average price of a used car rose to a record level, $16800, in 2014.

Read these reports to gain more insight into buying used cars and to remain safe in the process –

How to Buy a Used Car Without Getting Ripped Off  by Joe Sutton, Steve Dessy, published 2014, 30 pages

Here are 8 ways used car dealers can swindle you

Used carWithout doubt, many car buyers would prefer to buy a new car whenever possible rather than one that’s already been owned before. People still think that a used car is a problem waiting to go wrong but the fact of the matter is that this is just not the case. The increased vibrance of the used car market now means that there are some excellent pre-owned cars, which in many cases are almost as good as new, available at a huge discount to the original forecourt price.

So what are the key issues that need to be thought about when trying to determine whether to buy a pre-owned car or a new car;

How to Buy a Car – Best Car Buying Tips & Tricks

<strong>Tips</strong> on Buying a <strong>Used</strong> <strong>Car</strong>Tips on Buying a Used Car
from johnnyboysouthsea, undefined ago in Automotive
Tips and hints and things to look out for when buying a used car.

First and foremost, the most obvious issue is the cost. New cars cost a lot more than pre-owned ones! As soon as a new car leaves the forecourt, its value depreciates very quickly and within a few months of driving, the value has decreased even further. This means that a car that is less than a couple of years old can be purchased significantly cheaper than a brand-new one and if the car has very little mileage on the clock, then this will be an absolute bargain.

There tend to be far more used cars available at the price that’s right for you than brand-new ones. You will have a much more extensive selection to choose from when looking at a pre-owned car then you would if you were looking for a specific model brand-new.

It is now possible to have a pre-owned car examined by professional organizations so that you can be sure that the car is genuine and roadworthy. All documentation will be checked, chassis numbers, and all matters relating to this individual car will be examined and authenticated. The small price that you would pay for this service means that you will have absolute peace of mind and know that you are buying a genuine item.

Many companies and individuals alike, will change their brand-new purchase before a certain time period or mileage is reached. This means that cars are being exchanged simply because it is time to do so and not because there is anything wrong with the vehicle. Again, this means that the next buyer will have access to a vehicle that has had very little use but has been greatly reduced in price from its original value.

How To Buy Used Car From Dealer For Cash TipsHow To Buy Used Car From Dealer For Cash Tips is mobile mechanic directory. Here are some step by step video on How To Buy Used Car From Dealer For Cash Tips “buying a used car from a dealer”, …

With all of these factors in mind it is clear that used cars are a very viable option for anyone needing a vehicle. Exercise your due diligence, shop around, research online and you could soon find yourself with a car of your dreams!


Essential Considerations for a Happy Retirement

For anyone entering middle age, thoughts about retirement start to become an important feature of their future considerations. We all have different ideas about what retirement is and how it will unfold for us; some see it as the time when they will have an opportunity to do all the things they’ve been wanting to do throughout life, some see it as an opportunity to travel and many others relish the opportunity to have more leisure time to spend with their family and loved ones.

Here is an excellent USNews report about retirement and its major considerations –

Retirement – US News & World Report
Retirement planning advice and guides to help you plan for a successful retirement. Retirement news on investing, including articles on 401ks, simple IRAs, …

The fact of the matter is that, regardless of your dreams, the one single factor that will apply to everybody is to be in a position to be able to afford to retire comfortably. Nowadays, people are being actively encouraged to think ahead towards their retirement from an earlier age with the intention of trying to calculate how much money they will need and where that money will come from in order to be happy and safe.

State benefits will provide some security in terms of financial income but for most people who have been used to a high standard of living, additional financial planning will be necessary. With company and work related pensions being less secure and unpredictable, it is prudent to look at other ways of securing finance for the latter phase of our lives.

This is a useful calculator for assessing your retirement financial needs – Retirement Planning and Savings Plans – Retirement Calculator …
Retirement planning strategies and retirement advice, including retirement calculators to help you retire faster, 401k tips and more.

… and this throws another issues to consider when assessing financial needs in retirement;

Why the ‘4% Rule’ for Retirement Only Works for the Wealthy …
For years, financial advisers have relied on a simple rule of thumb to guide people planning for retirement: withdraw 4 percent a year, and you have excellent…

RetirementLife expectancy is much greater now and retirement ages of being extended. This means that we work longer before we are eligible to start drawing upon our pensions. On the positive side, this gives us more opportunity to put money aside and to invest in our retirement years and so become more financially secure. At the same time, it is important that we look after our health and well-being so that we are in a fit and healthy condition to enjoy our retirement years.

So in order to plan effectively for retirement, we need to ask ourselves some critical questions in order to attain a clearer picture of what we consider our retirement years to look like.

the following book offers some interesting insights into planning for your retirement future – Retirement: A New Adventure
Christopher Borman, published 2009

The following publications offer some excellent strategies and tips to help you plan more effectively, in all aspects of your life towards securing the type of retirement that you ideally want;

50 Plus One Tips to Building a Retirement Nest Egg
Linda M. Magoon, Poonum Vasishth, published 2006, 216 pages

Retirement Planning
Ramiro A. Needham

The Everything Retirement Planning Book: A Complete Guide to Managing Your …
Judith R. Harrington, Stanley J. Steinberg, published 2007, 304 pages

With so much to consider, retirement planning can feel a little heavy at times and so to lighten the situation it sometimes helps to add a little humor. So indulge yourself for a few moments with this humorous quiz –

What You Don’t Know about Retirement: A Funny Retirement Quiz
Bill Dodds, published 2010, 132 pages

Also, we tend to consider retirements equally for male and females alike but this is not always the case. The following brief presentation offers a few additional insights from the woman’s perspective when planning retirement –

6 Mistakes Women Make When Planning for <strong>Retirement</strong>6 Mistakes Women Make When Planning for Retirement
from moneygal2020, undefined ago in Business
When preparing for retirement women face challenges that their male counterparts do not. Ladies, what mistakes are you making?

What is clear from all of the above, is that there are many considerations that need to be taken into account when planning our retirement.  Spend the time to invest in thinking through  these important issues so that you can  more effectively plan your retirement for a future which can bring security and happiness.

Finding the Best Insurance for Your Pet

We all want our pets to remain as healthy as possible as they are a major part of our lives. Unfortunately, in order to achieve this, we have to make regular visits to the local vet and this has become more and more expensive over recent years. To help us all meet these ongoing bills, pet insurance has got to be a major consideration. However, like all purchases nowadays, it can be very challenging finding the best cover for your particular pets’ needs.

Fortunately, we can do most of our research online now and we are able to find lots of testimonials from people who are relating their experience about all sorts of subjects. All of the larger insurance companies now have their own dedicated websites where we can review all of the services they are offering and to identify which one suits our individual needs.

Below are Some excellent references discussing the relative merits of pet insurance and addressing some key questions to be considered by anyone who owns a pet;

Pet insurance: Is it truly worth it? | FOX CT
Homeowners insurance and pet insurance can both be affected by owning a dog that is considered ‘dangerous’. Many see this as discriminatory practice, but with up to a third of liability claims against homeowners caused by …

Shopping for Pet Insurance, a vet’s view – The Seattle Times
Dr. Jerald Gemar, a retired vet who chairs the Washington State Veterinary Medical Association’s finance and insurance committees, answers questions about pet insurance in the second of a four part series. Question: How …

Should You Buy Pet Insurance? – MintLife Blog

As with all purchases online, exercise your due diligence and ensure that the company you are considering is registered and fully legitimate and has excellent reviews on their website from previous customers.

dog-624952_640If you’re not sure where to start when looking for pet insurance, pet forums are an excellent source of information on all matters relating to animals and many people there are more than happy to offer advice based on their own experiences. Here you will find many recommendations for pet insurance companies, including which ones to avoid based on an individual’s experience.

Once we have a clear idea of which company we want to potentially use, it is best to first check out what they are offering online in terms of degree of cover and premiums ask to get an overall idea of what each you will receive for the money that you pay. Fortunately, most companies will offer a telephone helpline where you can discuss your individual needs in greater detail. You may have a pet with particular issues that need to be covered or you may have particular concerns for the future health and well-being of your pet and require a policy that is tailored more specifically for your situation. Speaking to a real person over the telephone line is something that would be a necessity in these cases.

Watch this video comparing different insurance companies –

Pet Health Insurance Comparison - MyVNN.comPet Health Insurance Comparison –
The Veterinary News Network did a direct comparison of one test case using four popular insurance companies.


Below is a useful article about the relative merits of having pet insurance and discusses the reasoning behind why we would choose to spend that little bit extra on our beloved pets;

Pet insurance gives peace of mind, owners say – Utah Local …
“I think it’s heartbreaking to put an animal to sleep because of a financial decision,” she said. “[Pet insurance] allows pet owners to make medical decisions based on what they want instead of what they can afford. For those …

If you do have a pet with previous conditions, these need to be declared upfront as they may require extra premiums to be paid to take out cover with the company. Again, speaking to an individual from the company will help clarify this for you.

Another point that many people forget is, like car insurance, there is often an excess to be paid when it claims being made and social you should be fully aware of what your liabilities are before you sign on the dotted line and be clear about how much money you will have to pay in the event of your pet needing help.

The following article discusses the advantages and disadvantages of pet insurance and prompts some important factors to consider for anyone wishing to gain adequate cover for any potential medical costs for their pet;

Buying The Best Pet Insurance
Barbara R. Giles

By reading some of the articles referred to on this page, you will soon get a clear idea of what your options are when taking out your pet insurance. Dedicate a good amount of time for this process as it’s not something you want to rush into. Exercise the same degree of care attention that you would for your own family health cover and in so doing you should be able to find the right cover, from the right company to suit your pets requirements.


Be in Control with a Financial Budget

In these economically challenging times, we all need to keep on top our finances is an in order to do this effectively we should all be creating an effective financial budget.

Most people carry on day by day going to work, paying the bills, doing the shopping and hoping that at the end of the month they will have enough money left over before the next pay cheque is due. Going about life in this way means that we just can’t plan ahead effectively nor can we safely provide ourselves with those little extra treats not knowing if we’ll have enough money left over to pay the bills.

By following a simple plan and investing a little time in the process, we can soon become more fully aware of our financial situation and in doing so, take back more control of our lives and reduce the fear of lack and need.

The financial budget, put very simply, is a list of our expenses, i.e. the money that is going out, and the money that is coming in. Because we have very little control over the financial demands that are faced by all individuals and households just to keep going, by taking back greater control of our spending then we can more accurately determine what or precise financial situation is so that we can respond to additional financial needs as and when they arise.

Below is a link to an excellent free guide that will explain the process of personal budgets in more depth;

The Only Budgeting Book You’ll Ever Need: How to Save Money and Manage Your …
Tere Stouffer, published 2012, 240 pages

It is very simple to write down each day how much money we have spent. We can also write down all of our ongoing monthly expenditures and with this information we can see very quickly where all our money is going and in doing so, identify any areas where where wasting money or where we could be spending the money more effectively.

apple-589640_640Anyone that has a computer immediately has access to free software to produce a very simple spreadsheet. The Open Office software is probably the most popular and with this we can then accurately itemise all of our outgoings and income. Of course, we can still do this on a piece of paper, but the use of a spreadsheet allows us to see the immediate result on our total financial situation when small changes are made.

Since the introduction of the smart phone, there are now a good range of apps that can be used to assist with organizing personal budgets;

Top 10 Personal Budget Apps For Everyone
from Aliyahadora

The best way to structure our financial analysis is to break down our expenses into key categories. Most people would identify the categories of; household services, food & drink, car costs, children and family entertainment. Again, this will vary for each individual but these are certainly expenses that the vast majority of families can relate to.

This document provides useful formatted budgeting sheets that anyone can use for creating their personal budget assessment –

<strong>Budget</strong> WeeklyBudget Weekly


When looking at past expenditure figures, it is very useful to start with bank and credit card statements where you can clearly identify all the major expenditures and any one-off payments you have made over the past few months. Items such as; birthday gifts, auto expenses and Christmas all need to be taken into account when identifying the yearly expenditure.

This video covers many of the categories that you need to consider when creating your personal budget;

Some payments, we only make on a quarterly or six monthly basis and so it is important to go through a whole years past expenditure to clearly identify where we have spent money.

Once we have completed this very simple exercise, we will have a very clear understanding of what our expenditure have been for the whole year. Now we can compare this against our annual income figure and often be quite surprised in the process! If you discover that your expenditure far outweighs your income, you are now in an excellent position to clearly recognise why you have spent more than you have brought in. Are you living within your means? Have you spent too much on extras? Are you spending money in effectively? All of these questions can be answered with the data that is now presented before you and you’re in great position of power to rectify the situation.

The outcome of this exercise may be that you have to cut back on your expenditure or it could be that you need to earn a little bit extra money. It could equally be that you need to invest your money more wisely or you may need to reduce your debt or credit payments more effectively so that you’re not wasting money in the process. The most important outcome is that you now know exactly what your financial situation is and you can see quite clearly what you have to do in order to balance the books.

So gain greater financial freedom today and start producing a financial budget. You will feel empowered and relieved that you now know exactly what it is that you need to do in order to maintain a healthy and balanced financial situation and as a consequence of this, enjoy life more fully.


Simple House Selling Strategies

New Year's Day sale

In the 21st century, more people are moving home more frequently than ever before in our history. Gone are the days when families would stay in the same home for generations where local communities grew and evolved together. Homes were passed from generation to generation and there was an ongoing continuity. Nowadays, people and families move very frequently for a whole range of diverse reasons, sometimes financial considerations and sometimes social ones.

The fact is that selling a property can be considered an art in itself and it is vitally important to present your property in the most appealing light. This way, the property will sell much more quickly and the price that it can attract will be significantly higher.

First impressions are always very, very important and this is especially true for anyone viewing a new potential home. The property needs to appear to be well looked after, cared for and in excellent repair. The problem is that for many people, the visual aspect of their home is something that they have become so familiar with that they can’t see the defects. The marks, the scuffs, the little areas that needed tending to are just not seen and recognized by the brain. They tend to blend into the background and become the norm. For some of these defects, it can even just be an issue of laziness, that is, something you’ve been meaning to get round to fixing for a long time but never achieved it. Regardless of the cause, it is essential that your home is being presented at its most attractive as everything that is in and around your home will be seen in a completely new light by a prospective buyer.

real-estate-156502_640A good way of addressing the above concern is to have someone come and look at the property who has never seen it before and will view it with fresh eyes prior to it being put on the market. This way you can address all of the basic, fundamental issues that need to be addressed, and can be addressed very easily so as to make your property look at its best. Potential buyers come with great expectations, hoping to find their ideal property. Unfortunately, some very minor defects can completely destroy that image very quickly and put the potential buyer in a much less favorable mindset. This can be disastrous for the seller as it will leave them with less bargaining power when you come to negotiating the final price.

These concentrations of the visual aspects of the property apply not only to the inside of your home but also to the surrounding area. The first thing that a potential buyer will see will be the scene that they are presented with when sitting in their car having just pulled up outside your house. If your property is surrounded by clutter, waste, overgrown gardens, shabby paintwork, or any other unpleasant sight, they will enter into your property having already been influenced by that visual scene. All of these points can be addressed very, very easily and will have a huge impact on anyone coming to look at your property. Take the time to address these issues and to remove any possibility of you losing a sale on these minor points.

This book offers a wealth of information about what to consider when selling your house;

House Selling For Dummies
Eric Tyson, Ray Brown, published 2011, 384 pages

…and here is another one that will offer further insights into the whole process Which although has been around for a while, is still very relevant today;

Buying and Selling Your House
Adam Walker, published 2004, 324 pages

When selling your home it is also your legal responsibility to inform any potential buyers of any ongoing repairs that need to be completed. Sometimes these issues can’t be seen, like with damaged piping, leaking roofs, damaged services, etc but ‘out of sight’ is not ‘out of mind’ and if you do not come clean about these issues then they may well come back and bite you at a later date when it is discovered that you weren’t upfront about such defects.

When all of these points have been addressed it is then very important to find a selling agent that will work for you and in your best interests. A reputable and effective agent is worth their weight in gold if they know what they’re doing. They are the people who will draw potential buyers into your home, and in many cases they can perform the selling operation for you. They can describe and sell your property in the best light possible and so it is vital that they are efficient and effective and experienced. Ideally, they need to be local people who can relate not only to your home, but also to the surrounding area and advise and recommend the benefits of the area to potential buyers.

Read reviews and testimonials of past customers of the selling agents and speak to a few to get a feel of who they are and what they’re like before you employ the services. You need to be able to work with these people and for them to work with you and you will soon discover the right agent for you.

Below is a brief presentation covering some of the key points to consider when selling a home;

Best <strong>tips</strong> of <strong>selling</strong> a <strong>house</strong> fastBest tips of selling a house fast
Every single Realtor & Buyer that calls should be followed up with. Keeping sloppy records means potentially losing a sale or getting another listing. Be organized, diligent, kind, and smart at all times. Ask the person when they would like a follow up call. You might have to lower the listing price and this may be of interest to a Buyer who approached you 30 days before. Let them know. is this the price range you were looking for? (This is non-specific) If so, what are your conditions for purchase?

 One minor, but significant consideration is the aroma that visitors to your house experience when they first walk through the door. The old trick of roasting some coffee or the smell of freshly baked bread still works wonders and gives the impression of homeliness and comfort. What is most important is that you do not present potential buyers with an unpleasant smell, and this can include the smell of animals. If you have cats or dogs in your home is important that you do not allow that to become the dominant smell for new visitors as for some people it can be very offputting. Again, asking someone who’s never been in your home before to see what they smell is a good way of assessing the true aroma of your home. This is where you’re selling agent can help you.

Here is an excellent video about how to optimize your home for selling;

If you follow this very simple advice, you will be ensuring that your home will be as pleasant as possible to any potential buyer. Spend a little money and a little time on finishing jobs that need to be done to make your home as attractive as possible and this will reap many benefits when people come to your home with the intention of trying to see themselves living there. Often, the simple things can make all the difference and it could be the difference between you selling your home easily or struggling and having to reduce the price just to make a sale.


How To Get Better Car Insurance Quotations

For all car drivers, and that includes the vast majority of people in the Western world, renewing our car insurance is a standard annual procedure. With increased competition from many insurance companies trying desperately hard to get our business, most people are now trying to find the lowest quotation they can before renewing their policy. In order to get the best quotation for a car insurance policy that meets your particular needs, it is important to consider some simple, but essential factors and we will look at those now in more detail.

In addition to the information found below, there is also a wealth of information online which offers further guidance and consideration of factors to be considered when obtaining your new car insurance quotation. Here are a couple of publications that you may consider to be very useful;

Cheap Car Insurance: How to Slash Your Auto Insurance Costs and Get Cheap Quotes
by Meir Liraz

Cheap Auto Insurance: How To Get The Best Car Insurance Quotes
by James Stuart

Below are Additional points that need to be considered when searching for car insurance quotations;

1. Make sure that you get a good range of quotations from a number of different companies so that you can make a true comparison between the different policies you are being offered. It is sometimes very tempting to accept the first offer you are given if it appears to be a good deal and to remove the need for further searching online. However, this is not necessarily the best way to do things because as soon as you have one quotation you are then in a stronger bargaining position to obtain an even better deal from another company.

2. Hopefully this goes without saying but it is essential that you are 100% honest with the information you provide to the insurance companies. In the event of a claim on your policy, either by yourself or by a third party, any discrepancy in the information you are given and the facts taken at the time of the incident will mean that your policy becomes void if you have not provided accurate and honest information when the policy was taken out. Remember, you are entering into a legal contract with the insurance company and you need to be honest on all accounts.

3. Before you make your final decision about which company to go with, it is important to conduct some research about the company you are considering. With so much business being performed online, anyone can set themselves up in business and it is vital that you know that you are dealing with an established and reputable company. Fortunately, this is very easy to do as the Internet provides a wealth of information from satisfied and dissatisfied customers alike and you will soon get a clear idea about the nature of the company you are considering doing business with.

headlamp-2940_6404. Another important feature that people often fall down upon is understanding exactly what you are being offered in terms of the level of cover for the insurance policy. Sometimes, companies will throw in hidden extras that you may not require for your individual needs. Such things as; breakdown cover, legal expenses, replacement car, etc. to name but a few. In many instances, these are valuable extras but it is up to you to decide if these are extras that you actually want to pay for at this stage. Another common issue of confusion is the level of excess on the policy, i.e. the amount of money that you have to spend from your own pocket before any money can be claimed from your policy. Excess covers do vary considerably and so it is important to ensure that you are getting quotations on a like-for-like basis.

5. Never be harassed into completing your policy signup until you are 100% happy with what you are being offered and that all your questions have been answered. Some companies offer incentives for you to sign up quickly so as to receive extra discounts on the premium. This can be a false economy if you have not thoroughly and adequately checked out the policy details.

6. If during the process of obtaining quotations you discover that they are all much higher than you anticipated, you may be faced with a situation of considering changing your car completely! You may discover that your particular model is considered to be a high risk vehicle or the engine capacity means that you are being penalised for driving a vehicle that is deemed to be a higher risk in the eyes of the insurance company. If you don’t need a car which is so big and powerful it may well be in your interest to consider changing your model so that you can make significant savings both on your insurance policy and in your ongoing driving costs.

7. Although the vast majority of quotations can be obtained online, sometimes it is very important that you feel that you can speak to an actual person. Fortunately, most of the larger companies who perform most of their business online will still offer a telephone number for you to contact them directly. This is very important as you need to know that you are able to get in touch with a human being in the event of help being required as and when you need it. Many of the companies offering much lower quotes often do not offer this service and it is something that needs to be considered in the event of a crisis.

8. Where possible, pay your insurance premium in one lump sum rather than paying on a monthly basis. By doing this, you can make significant savings on the annual premium price. Of course, this is not always possible for everyone but if it is it is a prudent measure that will save you money.

Below is a useful video containing additional point to consider;

These are just some of the ways that we can all save money by obtaining cheaper quotations for our car insurance. By just considering some of the above points, we can all make some significant savings to our annual motoring costs and that’s got to be a good thing!