Category Archives: Money

Non-Profits That Will Help You with Your Finances

Below are some examples of organisations that can help low income earners with their finances or money issues in the UK. Whilst this list is specific to the UK it does provide readers with examples of financial services that should be available in their countries as well.

If you are having a difficult time with your finances or managing money, or you feel like you are in a perpetual circle of debt, there are financial experts available to help you at no fee to you. There are numerous non-profit organisations located throughout the UK that are available to help you get your finances back on track. Below is a look at some leading non-profits that can help you with your finances.

Citizen Advice

Citizen Advice offers people who live in the UK with free and confidential financial advice. They offer face-to-face meetings or home visits, as well as, services by phone or online. They can help you deal with your debt and create a plan to dissolve it, teach your money management skills, help with employment related issues, or offer expert financial advice on a variety of issues, such as loans, and repayment plans.

Debt Advice Foundation

This non-profit is registered as a national financial support services charity. They offer confidential and independent advice to help you with any of your financial problems. They work to help develop a financial strategy that is right for your specific situation. They provide free advice on all types of loans, credit and debt issues. In addition, they can help you develop a free debt management plan or an Individual Voluntary Arrangement (IVA) plan.

My Money Steps

My Money Steps is a division of the National Debtline and is designed to offer free independent and confidential financial services to people throughout England, Scotland and Wales. They offer their services either over the phone, online, or through email. They teach money management and budgeting skills, as well as, offer assistance with rental arrears, overdue mortgages, debt relief orders and bankruptcy. They can also help you design a plan to get rid of all your debt.

Shelter

Shelter is a nationwide organisation, whose main goal is to prevent homelessness. They offer free and confidential services to all residents who are concerned about losing their current housing. They work directly with landlords and mortgage companies to help devise a plan that will allow you to remain in your home. They also teach budgeting and money management skills to help you get your finances back in track, so you do not lose housing in the future. They offer face-to-face meetings, as well as, online and phone services.

Step Change Debt Charity

Step Change Debt Charity can offer free and anonymous financial advice either by phone or online. This may help you get answers to some of your primary financial problems. In addition, this organisation can help people who are dealing with a variety of different financial issues, such as mortgage problems, repossessions, debt relief, employment issues, overdue utility bills, and more. This organisation can also provide free debt management plans, Individual Voluntary Arrangements (IVA), Debt Relief Orders, and bankruptcy.

All of these non-profit organisations offer free and unbiased services, which means they are looking out only for your best interests. They will gladly talk to your creditors, landlord, and utility companies on your behalf to help improve the likelihood of getting the result your want. They are likely to ask you a wide array of questions about your current financial situation, so make sure you have all of your information readily available before contacting them. The more details you can offer, the better able these organisations will be able to help you deal with your current financial issues and help you get the results you need.

Going Back to School? 3 Career Tracks to Consider

Are you craving change in your life? If you really want to alter the direction in which your life is headed, why not go back to school? With all the online and alternative programs out there today, there’s no reason you can’t change your stars while living the life you’ve already carved out for yourself in the meantime.

Don’t worry, you’re not alone in your change of heart. These days the average person changes careers about 11 times. That leaves a lot of wiggle room for you to decide what’s best for you and your family.

When it comes to changing your career path, though, you might find that building on the knowledge and skills you’ve established up to this point will make the transition a smooth one.

With that said, here are a few career tracks to consider for your next life adventure.

Financial Advising

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Image via Flickr by LendingMemo

If you have a knack for numbers and enjoy working directly with people to help them reach their goals, consider becoming a personal financial adviser. You can expect a comfortable salary, too. Though the lowest paid financial advisers earn about $32,000 each year, they most often bring home about $67,000 yearly.

Becoming a successful financial advisor involves taking a number of courses, including the CFP examination. Most CFPs hold degrees in the areas of finance, economics, accounting, or business, and have experience in stocks, bonds, and insurance policies. Finally, a general passion for crunching numbers and the ability to earn the trust and respect of clients is a must for those who pursue this career path.

Nursing

Nursing

Image via Flickr by COD Newsroom

Nursing is one of the fastest growing fields in the U.S., according to CNN. It doesn’t hurt that it’s part of a group of professions that the human race, by its very nature, will always have a demand for. The nursing degree alone is expected to grow by 19 percent between 2012 and 2022. Registered nurses make a comfortable $65,000 salary on average, enjoying varying routines and one-on-one contact with patients.

Similar to the previously mentioned financial adviser career path, nursing is a field that is also often chosen later in life. Thankfully, there are many directions you can take with your nursing degree, and multiple ways to complete the coursework as well. Online nursing programs offer flexibility, which makes them great for established professionals who wish to change careers.

Entrepreneurship

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Image via Flickr by reynermedia

If you’ve always had a great idea for a new business in the back of your head, now’s the time to make it a reality. If the career path you’ve chosen for yourself just isn’t cutting it anymore, why not revisit some of the wild ideas you had when you were just starting out?

If you’re a lawyer, team up with a colleague and start your own firm. If you’ve worked in law enforcement, open your own private investigating company. If you’ve worked for a wedding planner, consider opening your own floral or bridal shop. Always had a flair for cooking? Go to culinary school and open your own business.

The possibilities really are endless. The only thing stopping you from doing something you really love is…you. So instead of focusing on all the obstacles standing in the way of achieving your dreams, blaze your own path right through them and do what makes you happy. Life is too short and time is too precious to sit around and wonder “what if.” So what’s your next move?

Things to do for Mother’s Day

Mother’s Day is celebrated all over the world, a chance to treat our moms, recognizing all the things they do for us. Although Mother’s Day is now a global tradition, it actually began in America in the early 20th century and while flowers do the job nicely, it’s high time that moms got some extra special treatment. With Mother’s Day approaching on 11th May, children who don’t want to get into their Moms’ bad books had better not forget it! UK bingo brand, Gala Bingo recently celebrated Mother’s Day in the UK by launching a ‘Supermum’ chat game, celebrating real life superheroes – our moms!

Across the pond, it’s now our turn to celebrate the supermoms of America, so clear your diary for the 11th May and plan something special to treat her. If you are struggling for inspiration, we’ve come up with some fun ideas beyond chocolates and flowers, so you’ve got no excuse not to enjoy a fabulous Mother’s Day:

  • A shopping spree – There is one thing that is guaranteed to please any woman and that’s a shopping trip that she doesn’t have to pay for. While it may hurt your bank balance watching your mum splash out on the high street – it’s unlikely to be a treat she’ll ever forget!
  • Give your mom a REAL break – One word that is bound to make your mom smile, no matter how awful her day has been, and that word is – spa. Spend some quality time with your mom and take her for a day of relaxation at a luxury spa. There are options to suit all budgets from a one off treatment to a full day of pampering. A massage, manicure, and a glass of bubbly will put you firmly in your mom’s good books.
  • Take her out for lunch – Find a nice restaurant to give your mom a rest from cooking up a storm in the kitchen. If you know of her favorite place to eat, treat her to a meal out where she can spend quality time catching up with you and the family.

Whatever you decide to do for your mom, just be sure to show how much you appreciate her. It doesn’t have to cost a fortune; but doing something a little different from the stereotypical ‘flowers and chocolates’ can be a nice surprise and shows that you’ve given your Supermom some extra special thought and attention.