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How To Manage Personal Finances This Easter

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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.

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Ways Green Preppers Are Trying to Protect their Privacy

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Environmental activists are not given the admiration that they deserve. A recent poll by Gallup found that a whopping 32% of Americans still doubt the existence of global warming. The government’s attitude is even worse.

Many global warming activists and green preppers have raised the alarm bell on climate change over the past few years. Government officials have taken notice and begun tracking their activity online. Even former National Guard officers have admitted that green preppers and climate activists are being targeted for terrorist watchlists.

Of course, the extent of their surveillance depends on the context of activism. People that make benign claims about climate change are unlikely to end up on a watchlist, although it is possible if they make allusions to their disdain of the government. However, even the most pacifistic and well intentioned environmental activists may unwittingly trigger some algorithm and be on the wrong side of a criminal investigation.

How could something like this happen? Here are some possibilities:

  • They could share a post on social media from a climate extremist group or another individual on the climate watchlist.
  • They could overly politicize their social media content, such as being highly critical of the president.
  • They could use figures of speech that may be misinterpreted as threats.
  • They might praise the goals of a climate change extremist organization that as previously resorted to violence, even if they don’t condone the actual means.

Preppers and environmental activists must do everything in their power to protect their privacy. Failing to do so could cost them their reputation, future career opportunities or even their freedom. Here are some ways that they are contacting themselves.

Living Off the Grid and Only Venturing to Civilization for Online Use

The more digital footprints you leave behind, the greater attention you draw. People that hold controversial views on environmentalism or doomsday prepping must minimize their digital paper trail.

Living off the grid is probably the best way to protect your privacy. You can make occasional trips to town to use the Wi-Fi and stock up on supplies.

Know the Surveillance Policies of Public Wi-Fi Providers

Using Wi-Fi away from your home can be a good way to protect your privacy.However, choosing the right public Wi-Fi providers is going to be very important.

Keep in mind that some corporate coffee shops such a Starbucks can store tapes for up to 60 days. Mom and pop businesses don’t have the technology nor the interest to store them that long. They generally store tips for only 24 hours and delete them afterwards. This gives you a good window of opportunity to post your thoughts on climate change without being detected.

Always use a VPN with a No Logging Policy

Using a VPN is one of the best ways to protect your online privacy. However, some of these providers do a much better job than others. What is a VPN and what should you look for when choosing one? Here are some things to look for when making a selection:

  • Make sure they are based in a country that has strict laws on protecting user privacy. VPNs that are based out of Switzerland, Panama for the British Virgin Islands are always good bets.
  • Look for VPN that has a strict no logging policy. Some VPNs will actually track the websites that you visit, which almost entirely defeats the purpose. Most obviously much better than this, but many also track Your connections and logging data. You want to use a VPN that doesn’t keep any logs at all.
  • Try to choose a VPN that has an Internet kill switch. This means that all content will stop serving if your VPN connection drops, which prevents your personal data from leaking out of the VPN tunnel.

You will be much safer if you use a high-quality VPN consistently, especially if you have controversial views on climate related issues or doomsday prepping.

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How Going Green Can Save Your Business Thousands

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Running a company isn’t easy. From reporting wages in an efficient way to meeting deadlines and targets, there’s always something to think about – with green business ideas giving entrepreneurs something extra to ponder. While environmental issues may not be at the forefront of your mind right now, it could save your business thousands, so let’s delve deeper into this issue.

Small waste adds up over time

A computer left on overnight might not seem like the end of the world, right? Sure, it’s a rather minor issue compared to losing a client or being refused a loan – but small waste adds up over time. Conserving energy is an effective money saver, so to hold onto that hard-earned cash, try to:

  • Turn all electrical gadgets off at the socket rather than leaving them on standby as the latter can crank up your energy bill without you even realizing.
  • Switch all lights off when you exit a room and try switching to halogen incandescent light bulbs, compact fluorescent lamps or light emitting diodes as these can use up to 80 per cent less energy than traditional incandescent and are therefore more efficient.
  • Replace outdated appliances with their greener counterparts. Energy Star appliances have labels which help you to understand their energy requirements over time.
  • Draught-proof your premises as sealing up leaks could slash your energy bills by 30 per cent.

Going electronic has significant benefits

If you don’t want to be buried under a mountain of paperwork, why not opt for digital documents instead of printing everything out? Not only will this save a lot of money on paper and ink but it will also conserve energy and help protect the planet. You may even be entitled to one of the many tax breaks and grants issued to organizations committed to achieving their environmental goals. This is particularly good news for start-ups with limited funds as the Environment Protection Agency (EPA) is keen to support companies opening up their company in a green manner.

Of course, if you’re used to handing out brochures and leaflets at every company meeting or printing out newsletters whenever you get the chance, going electronic may be a challenge – but here are some things you can try:

  • Using PowerPoint presentations not printouts
  • Communicating via instant messenger apps or email
  • Using financial software to manage your books
  • Downloading accounting software to keep track of figures
  • Arranging digital feedback and review forms
  • Making the most of Google Docs

Going green can help you to make money too

Going green and environmental stability is big news at the moment with many companies doing their bit for the environment. While implementing eco-friendly strategies will certainly save you money, reducing your carbon footprint could also make you a few bucks too. How? Well, consumers care about what brands are doing more than ever before, with many deliberately siding with those who are implementing green policies. Essentially, doing your bit for the environment is a PR dream as it allows you to talk about what everyone wants to hear.

Going green can certainly save your money but it should also improve your reputation too and give you a platform to promote your business.

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