Negotiate Your Way to a Raise at Work
Approaching your employer for a salary increase is enough to leave most people sweating. But it needn’t be. The key is to be prepared, so sit down and start putting your case together.
Here’s what you can do.
Make a list of SPECIFIC accomplishments
If you want more money, be prepared to prove it. Point out instances where you’ve made significant contributions, saved the company mo…
Simple Ways to Save Money Every Day
Often, the thought of saving money (or reducing your expenses) can seem daunting, especially if you have a big money goal in mind. To help get yourself into the mind set of saving, start by looking to see where you can save in your day to day expenses. You’ll be surprised at how much you can save each day or week, and without much effort too!
Here are our top 4 simple ways to save money…
Spoil Your Loved One Without Breaking the Bank This Valentine’s Day
Just when you think your wallet might be starting to recover after the festive season, Valentine’s Day strikes, and your better half is expecting something special. This means cheap chocolates picked up from the garage on your way home simply won’t cut it. Starting to panic? Fear not, there’s plenty you can do to woo your Valentine this year, without breaking the bank. Here are our top t…
Thinking About Lending Money to Family or Friends? Read This First…
Some will say that family, friends and business shouldn’t mix, and that there’s too great a risk for something to fail and for it to cause permanent damage to a relationship. The same is also often said when it comes to lending cash to family and friends. Of course, it’s often easier said than done. After all, it’s only natural to want to help out someone in need, especially if that some…
How Does a Low Credit Score Affect Your Borrowing?
You may have heard banks or other financial institutions talking about a credit score, and whether it’s high or low. But what exactly does this mean, and how does it affect your lending potential?
Unfortunately, many consumers are in the dark when it comes to their credit score, and don’t realise that a low score can negatively impact their ability to apply for credit.
What exactly is…
Focus on the Future to Help Reach Your Financial Goals
Many adults have similar financial goals in life. They’d like to buy or build their dream home, send their children to a good school or tertiary institution go on holiday to new and exciting places, start their own business, and even retire early. It’s a very good idea to have financial goals, as they help keep us motivated.
What are your financial goals, and how will you reach them? B…
Making Your Household Work on a Single Income
With the increased cost of living, and salaries not always increasing with inflation, it can be hard to stretch your money through to the end of the month, even on a dual household income. However, many people don’t have the luxury of two (or more) people contributing each month, whether it’s because they’re a single parent family or because one person is currently unemployed. Trying to…
10 Financial tips for 20-somethings
When we’re in our 20’s, many of us survive from paycheck to paycheck, which can prevent us from planning ahead. When you’re caught up in making ends meet, it’s difficult to commit to a long-term savings plan. We spoke to a few people about what advice they would share with their 20-year old selves, and here’s what they had to say:
1. Learn to negotiate
Learning the art of negotiation i…