Connect with us


How To Manage Personal Finances This Easter



This Easter as well as having a long weekend and indulging in Easter eggs you could get your finances in check. With the added time off work it is the perfect time to start managing your personal finances.

Track Your Monthly Expenses

If you’re keen to be able to manage your personal finances this Easter you will need to keep track of all of your monthly expenses. The first step into successfully doing just this is to set aside some time and Easter is the perfect opportunity for this. The best way to do this is to create a spreadsheet, start by adding up your available monthly income. Then remember to include any debt, bills and necessities you have to pay for in a month. Once all the important essentials are accounted for track what you spend your money on and how much.

Bills, Bills, Bills

The best way to manage your bills is to calculate how many you have and how much each bill costs. Hunt around for the best deals when it comes all of your bills this could include, mobile phones, internet provider and even heating this can be made easy as there are lots of websites dedicated to comparing costs. That way you could end up paying less each month, just ensure that you set yourself reminders to avoid costly late fees. If you are confident enough in your bank balance set up standing orders to ensure your bills come out on time each month.

Eliminate Debt

If you have accumulated a lot of debt managing your finances this Easter will enable you to stay on track to pay that debt off. If one month your money is being stretched too far there is always the prospect of thinking about instalment loans that way you will be able to manage your money a little bit easier until payday arrives.

When you’re paying off debt it is best to face the debt head on and calculate how much debt you actually owe this will include all credit cards, possible student loans and overdrafts. Once you have done that you can work out the minimum payments you have to make each month to pay that debt off. The best way to track this is using spreadsheets, ensure that you check each month how much debt you have left to pay. Seeing the amount of debt go down each month will spur you to carry on.

Reduce Spending

To get the most out of your monthly income see what expenses you spend your money on and how much of it. Once you know the full extent of how much you could be potentially wasting try and curb that spending to just essentials. If you begin to make small cut backs like not getting that weekend takeaway, or the morning coffee on the way to work all those little costs start to add up. If you take lunch to work with you and do some bulk cooking which you can freeze you could be saving a lot of money.

Aim To Save

Once you have paid all debts and become aware of your spending habits it is important to start saving. Most people find it hard to get motivated about saving but setting a goal of how much you want to have saved by a certain time will make it a lot easier. Having savings can be a relief if any emergency expenses crop up. It is always better to be prepared and have some money to fall back on. The best way to save is to have a separate ISA to your current account so you can put money away each month and not be tempted to dip into it. If you manage personal finances this Easter when next Easter rolls around you can celebrate by potentially going away.

Continue Reading


Green Weddings Trend: Why 70% of Newlyweds Are Going Green



A couple of months ago, my best friend got married to her new husband. They are both very eco-conscious people, so they decided to have a unique twist on their wedding. They asked for the following:

  • They arranged a carpool with their friends.
  • They didn’t have any balloons. Instead they used umbrellas.
  • They used plant materials instead of plastic confetti.
  • My friend insisted her husband not purchase a diamond. In addition to being ecologically conscious, she didn’t like the idea of having a stone that was used in conflict zones.

My friends aren’t the only ones making these changes. In fact, nearly a quarter of all newlyweds are organizing green weddings.

Green Weddings Are Becoming the Norm

People are more concerned about green living than ever before. They are trying to incorporate environmental protectionist ideas into every facet of their lives, even the most intimate, such as marriage. A growing number of people are trying to have green weddings, which can make a big difference in reducing their carbon footprint.

How much of a difference can this make? Here are some statistics to bear in mind:

There are a number ofreasons that green weddings are becoming more important. Here are a few.

People Are More Worried About Environmental Preservation than Ever Before

Green living in general is becoming a greater concern for most people. Even younger conservatives are breaking from their older counterparts by insisting on fighting climate change. According to a poll from Pew Research earlier this year, 75% of Americans say that they are very concerned about protecting the environment. Having green weddings is a good way to act on this concern.

One of the biggest changes people are making is using recycled products for their green weddings. This is explained by the research from Pew:

“Overall, 32% of U.S. adults say they are bothered a lot by people throwing away things that could be recycled. Roughly six-in-ten Americans (61%) who say they always try to live in ways that protect the environment say it bothers them “a lot” when others throw away things that could be recycled. Among those who are less focused on environmental protection, only a quarter say it bothers them a lot when others don’t recycle. People who are environmentally conscious are also twice as likely as others to say that seeing someone incorrectly putting trash in recycling bins bothers them a lot (42% vs. 21%).”

Indifferent Politicians Are Driving them to Take More Initiative

Many politicians in power have been very hesitant to take action on climate change. Many of them have openly stated that it is a hoax. These politicians are forcing people to do what they can in their own lives to make a difference. Making small changes, such as hosting green weddings, is a great way to improve the environment without waiting for political momentum.

Cost and Simplicity

A couple of the biggest reasons that people want to host green weddings have nothing to do with their concern for the environment. Running green weddings is simply cheaper and simpler than having a massive, traditional one. One of the biggest changes is that they are buying green engagement rings from the best brands.

Green Weddings Are the Future

Green weddings have become very popular over the past few years. They will probably account for close to 90% of all marriages by 2025. People that are planning to get married should look into the benefits and plan accordingly.

Continue Reading


Green Tech Start-Ups: Are they the Future?



Endless innovations are occurring in green companies, reinventing the industries they belong to. Gradually, they are beginning to amass more success and popularity. Consequently, these factors serve as a good indicator for green technology businesses, and their development must begin somewhere.

Green tech start-ups boast a wide array of opportunities for the economy and environment, while boosting recruitment openings with valuable services. While the technology industry is littered with high revenues and competition, the green tech start-ups are the clear sign of a cleaner future.

Fulfilling a Genuine Need

Many tech companies will market themselves as the ultimate tech giants to shift stock and make profit. As they all vie for attention through warped corporate rhetoric, there is only one ethical winner; the start-up green tech company.

Some argue that mainstream tech businesses have grown far too big, branching out into other industries and standing between the consumer and practically everything they do. However, green tech start-ups go beyond the shallow ambitions of a company, answering a call to sincerely help the customer and climate in any way they can. Of course, this is an attractive business model, putting customers at ease as they contribute to a humanitarian cause that is genuine through and through.

After all, empathy is a striking trait to have in business, and green tech start-ups maintain this composure by their very nature and purpose.

Creating Opportunities

Despite the pursuits for clean energy still needing more awareness, green tech is an area that is ripe for contribution and expansion. There’s no need to copy another company or be a business of cheap knockoffs; green tech start-ups can add a new voice to the economy by being fresh, fearless and entrepreneurial.

Technology is at its most useful when it breaks new ground, an awe that eco-friendly innovations have by default in their operations. Of course, green tech start-ups have the chance to build on this foundation and create harmony instead of climate crisis. Ultimately, the tech advancements are what revolutionise clean energy as more than an activist niche, putting theory into practice.

Despite the US gradually becoming more disengaged with green technology, others such as China and Canada recognise the potential in green technology for creating jobs and growth in their respective economies. The slack of others spurs them on, which creates a constant influx of prospects for the green tech sector. Put simply, their services are always required, able to thrive from country to country.

A Fundamental Foresight

Mainstream technology can seem repetitive and dull, tinkering with what has come before rather than turning tech on its head. Since 2011, technology has been accused of stagnation, something which the internet and petty app services seem to disguise in short reaching ideas of creativity.

However, green tech start-ups aren’t just winging it, and operate with a roadmap of climate change in the years ahead to strategize accordingly. In other words, they aren’t simply looking to make a quick profit by sticking to a trend, but have the long-term future in mind. Consequently, the green tech start-up will be there from the very start, building up from the foundational level to only grow as more and more people inevitably go green.

They can additionally forecast their finances too, with the ability to access online platforms despite the differing levels of experience, keeping them in the loop. Consequently, with an eye for the future, green tech startups are the ones who will eventually usher in the new era.

Continue Reading