For a society that was meant to be a paperless society after the invention of computers, there sure are a lot of papers we need to keep. But which financial records are necessary to hang on to and when can you get rid of them?
Author Archives: Cheap Like Me
Thrifty at Home, Thrifty at Work
Saving money is something we typically think of as a consumer activity, something that we do at home to free up money for a new car or nice steak dinner. When it comes to a business, we think about savings more in the context of eliminating costs instead of finding ways to lower them. The reality is that businesses can operate with the same thrifty attitude that their employees and managers may have. There are essentials that you must spend money on, but if you understand that it pays to economize on them at home, why wouldn’t you do the same at work?
Cheap Last-minute Holiday Ideas
If you have been holding back from planning a holiday because you wanted to see what the UK weather was going to be like, or maybe you just really fancy a holiday now, there are still plenty of options available. The summer weather has been better than usual, which has seen people looking at UK holiday options more than usual and you can save plenty of money from flights and other expenses of going abroad. Here are some holiday ideas that you might want to consider over the summer holidays:
How to Save Money on Finance Costs
Financing is a great option for allowing you to pay for purchases over time. The catch, however, is that there is an interest rate attached. Depending upon the interest rate and how long it takes you to pay off the balance of the loan, this means that you could wind up paying significantly more than you initially borrowed. This could end up hurting you severely in the long run. Fortunately, there are ways that you can save money on your finance costs. Here’s how. Auto Loans
Saving Money on Your Hotel Stay
Going away can be an expensive affair, combining travel costs, food budgets and most importantly, accommodation expenses. Not to mention, trying to find good quality accommodation within your set budget. There are ways to compromise on hotel costs; staying in a hostel, finding a reasonable Airbnb stay or camping, but sometimes a hotel is your best option. Before starting to look for your hotel stay, consider what is a necessity – for instance, you don’t need to be paying for spa and golf access if you are only using the hotel to sleep. Consider your ideal location and how much you are willing to compromise on distance/cost. Also take into consideration what the hotel price includes – you may be paying for meals or breakfast that you don’t intend to take.
3 Surefire Ways to Stretch a Limited Household Budget
Even though minimum wage is slowly creeping up, it is not rising at the same rate as inflation and this leaves many households at a serious disadvantage. No, you may not be actually working for minimum wage, but the truth is, every paygrade above minimum is based on that flat rate and so you are left lacking as well. If you are finding it hard, if not impossible, to meet your monthly expenses, there are ways to stretch your budget a bit further than you ever thought possible. Here are just 3 sure-fire ways to stretch even the most limited of household budgets.
Learn About 3 Best Personal Loan Companies with Best Rates and Terms
You must be checking banks, credit unions, online services of some company, and possibly any other thing to get a personal loan. There are many other options that a person can use to take loans for the business or other things in life, but according to the experts, taking advantage of personal loan is far better than any other option. Why Does Someone Like to Get A Personal Loan?
Are home warranties a good investment?
As a homeowner, you have to be aware of some of the common expenses that come with owning a house. Of course, there’s mortgage, taxes, utility bills or maybe a homeowners insurance. But there is one more optional thing: a home warranty. So what’s a home warranty good for? Basically, a home warranty can help you reduce the costs to repair or replace something in your house that broke down or something else that doesn’t work properly anymore. Here’s what you need to know in order to find out if home warranties are a waste of money or not:
Reasonable Ways to Raise Your Credit Score
Having good credit can open many doors for you – doors that take you places. However, with poor credit, these doors close quickly and become fiercely locked. This is frustrating for those with less-than-shining credit who want to improve their financial situation and don’t feel as if they can. Speak to Your Credit Report
Installing Custom Roman Shades for Your Child’s Room
When it comes to creating the perfect room for your child, you’ve got a host of options for any budget. Here’s a tip: focusing on window coverings will go a long way into providing the ideal space for your child to play, sleep and study in. With the right window treatments, you can improve your child’s space so that they enjoy plenty of natural light for playtime (or enough darkness for sleep time), while still being child-safe. So, what’s the ideal window treatment for your child’s room? Well, for a stylish window covering that provides ideal light control and comes in a variety of vibrant colours, try SelectBlindsCanada and for Quebec residents, visit: storesselectscanada.ca
Best ways to cash out consistently at online slots without betting big
Life, Work & Bills: Why Entertainment & Diversions Are Essential To Health
Most people think it was Jack Torrance, played a little too realistically Jack Nicholson in the 1980 horror classic ‘The Shining’, who coined the sinister phrase ‘All work and no play makes Jack a dull boy’. However, in actual fact, the proverb has been dated as having roots as far back as the mid 17th century, showing that feeling overworked, overburdened and simply stressed to breaking point have sadly been around for many generations of people. Astonishingly the World Health Organization estimated in February 2017 that around 300 million people worldwide will have suffered a depressive episode during 2015, with the numbers increasing faster than the rate of global population growth. The WHO concluded their report by suggesting that depression was the number one cause of disability, with rates in the Western world increasing most rapidly as healthcare professionals become more open to registering a diagnosis. Just to make things […]
How Chemical Etching Can Be Eco-Friendly
The process of chemical etching and photoetching is one which is increasingly being employed throughout the manufacturing industry. Suitable for a wide range of different sectors, chemical etching is a truly versatile, effective solution. In part, this is largely down to the fact that it is an incredibly accurate process of manufacturing metal parts and components for business and commercial use. A thorough, considered approach is employed to ensure that each and every end product is high-quality and precise, conforming exactly to the client’s unique requirements.
The clear advantages of a memory foam mattress over regular bedding materials
Not many people know this but memory foam was first introduced in day to day use within medical facilities. Here, patients with severe problems or in wheelchairs would be given memory foam pillows and mattresses to replace the regular ones. There are many benefits that come with using memory foam instead of regular bedding materials. Different people might want a memory foam mattress for different reasons, but the universally true benefit of memory foam mattresses is that they provide people that lay in a still position for long period of time a way to avoid bed sores and even back or muscle pain. Here are some of the advantages of memory foam and why it can be a great investment for health and personal comfort. Pain relief
Improve A Business By Using Search Engine Optimization Services
Proper managing a business’ website is perhaps the most important factor which should be taken into account if one desires for his business to be successful. Not only will a website’s design and visibility on popular search engines such as Google will confer it a lot of traffic as well as popularity but having these details in mind, it would be impossible for one no to rake in some profits. Business owners are striving to provide their businesses with the best tools in order to stay on top of their competitors and improve the ways in which their respective businesses will be profitable in the long run. Marketing products on social media and websites is the best way in terms of assuring that a business is successful and owners are switching their attention to Search Engine Optimization firms, some of them being even Google partners.
You need a pardon? Here’s what you need to know about pardons and how they work in Canada
In Canada, pardons are granted by the Parole Board. For the Parole Board to grant you a pardon, you need to meet certain criteria, but we’ll get to that in a second. Before we go into what you need to do or what you need to have so that you are eligible for sending a pardon application, let’s take a look at what a pardon implies in Canada. In Canada, receiving a pardon is not a form of “wiping” a crime. It is not a form of acknowledging that you have been previously found guilty by error and that you have been convicted wrongfully. Through obtaining a pardon, Canadian citizens have the opportunity of starting over and becoming functioning parts of society once more. Another critical factor about pardons is that they remove the individual’s criminal record from currently active criminal records, thus improving his or hers chances for re-integration.
Save time by signing documents electronically
Business can be very tedious, depending on what exactly it is that you are doing. There are a lot of things that you have to do and often times you can’t really get on with all your plans because you lack a little something. That little something is probably the most important resource in any domain, and it’s called time. When you’re running out of time you sure wish that you could save some, and there are several ways to do that. If you work in a field where you are required to sign a lot of documents each day, or at least frequently, you might want to try switching to an online signing method.
Business Owners: How to be Smarter with your Money
The business world is a highly competitive place and one of the most important parts of getting ahead of the rest is to have enough capital to survive. While there’s some truth in the old adage that you need to ‘spend money to make money’, the reality is that if you’re smart with your investments you can develop but also save at the same time. To give you a clearer view of this, what follows are a few examples of how you can improve your operations without breaking the bank.
Amazing Signup Deals at Betway
With all the stresses of life, it is fun to relax and play some games once in a while. Financial stresses and concerns are a fact of life, so why not have some fun with something financial also? I have found that casino games are a great way to relieve stress and even win some money in the process! Betway is one of the most popular online casinos on the Internet. Making the most of signup offers is a great way to make some money playing games at online casinos and Betway has some great deals.
How To To Be A Successful Stockbroker
Did you just finish watching Wall Street and The Wolf of Wall Street? The lavish life of Jordan Belfort in the latter, must have charmed you in its full glory, right? Stockbroking sounds glamorous just like these Hollywood movies. But, being a stockbroker doesn’t involve that glam and glitz, but it is pretty amazing. It is a very rewarding profession but one doesn’t become rich just in a day. Even if you are a Wall Street enthusiast or an aspiring stockbroker, this article is just for you. – Stockbroking
