Making Money From Your Sofa

Making money from your sofa sounds like a dream come true, doesn’t it? Or something that people talk about, but few people actually manage to do. But, in the modern world, where the internet plays a huge part in our day to day lives and has opened up a world of online business and new ways to make money, it’s entirely possible to make money sitting on your sofa, wearing your PJs with Netflix on in the background.

Of course, it’s not always that simple. Like most things in life, the more effort you put in, the more money you will make. Which can mean that if you want to make serious money, enough to give up your job and become a full-time home worker, you might want to get dressed and take things a little more seriously.

But, if you just wanted to make a little extra pocket money, you could do it while chilling out after a long day at work, without too much effort at all. Let’s take a look at some of the ways that you can make money, whether a little or a lot, from the comfort of your sofa.

Sell Your Crafts

selling crafts - Making Money From Your Sofa

If you already make things, have you ever considered selling them? Many of us have creative or crafty hobbies. Crafting can help us to destress and unwind. Those of us with creative hobbies are often more productive and find it easier to think creatively at work.

But, selling your crafts can also be a great way to make money. While you might have to leave your sofa to buy supplies and organize delivery, you can create your work on the couch, just like you might already be doing.

Many people start out just making a little money from their existing projects, selling on social media, or online sales sites. But, if this goes well, people often create a brand, read an introduction to brand protection, and even launch their own websites. Some of these brands become exceptionally successful.

Try Your Hand at Writing

woman writing

If you enjoy writing, and you are reasonably good at it, you could use your skills to make money as a freelancer. There is plenty of freelance work available for writers.

Some of the jobs include content writing, CV writing, product descriptions, copywriting and editing, or proofreading. Working as a freelancer means that you can work when it suits you, earning anything from a little to a lot.

Start a Blog

Another great project to start at home is a blog. There are bloggers and influencers out there, making a substantial income. But, don’t think that it’s easy and that you’ll get free stuff all of the time. Successful bloggers work very hard and commit a lot of hours to their blogs.

Take Surveys and Test Websites

If you just want to make a little extra pocket money easily, then taking surveys, helping with market researching, and testing websites are all great ways to do it. Sign up for multiple survey sites, and you could make a little money every day.

Sad Bucks Into Swagbucks: Getting Money When You’re Desperate

It’s a desperate situation. Perhaps you’ve been working so hard to stay within a strict budget for the benefit of the family, but you constantly find yourself looking for pennies on the sidewalk, or praying that there’s a note lodged in between some cushions. But when you’re desperate for money, it’s not just about the financial stress, it’s the emotional stress as well. But what can you do to get some money if you are really desperate? Is there really a way out? Let’s provide a variety of options for you.

Are You Owed Money?

money

It’s now time to call in those favors. If you’ve been able to lend friends money before, or you’ve casually let something slide, perhaps it’s time to call it back? As well as this, don’t just think about the friends or family that owe you money, but think about the opportunities that went unnoticed at the time because you had money. For example, if you’ve been an accident, have you tried your luck with any personal injury attorneys? If you are that desperate, there is no harm in going down this route just to try your luck.

What Can You Really Sell?

You are desperate, so think about the things that can really rake in a pretty penny. Selling things may not seem like a good idea in the long-term, but if you need a quick cash injection, you’ve got to think about places like pawn shops or thrift stores. It’s important to go through all of your items, especially if you’ve got something like an old smartphone. You may have a pile of smartphones collecting dust, and there are plenty of websites that allow you to sell and recycle your old phones because if you are someone who has a lot of electronic items, you can certainly get a pretty penny if you’ve got a bunch of these little things lying around. It will all add up!

Getting Extra Money In Your Spare Time

emergency fund

The great thing with any temp agencies is that they pay on a weekly basis. This means that if you can get a job, especially in your spare time, you aren’t far away from a paycheck! But also, think about the methods that get you money right away. And while becoming an Uber or Lyft driver doesn’t sound like a great way to get money, if you live in an area with a dense population, you could make a lot of money quickly. If you wanted to, you could turn it into a full-time job, but when you think about the fact that you could earn up to $100 by working 5 hours solid, it soon adds up over time. As well as this, think about other productive methods of working in your spare time. There’s plenty of opportunities on freelance websites or even websites like Inbox Dollars or Swagbucks. With these websites, if you have the time, you will get out what you put in. It’s all about commenting on adverts, taking surveys, and watching videos. So if you are stuck at home, it’s a way to get a partially passive income.

Don’t Forget To Negotiate With Your Creditors

If you are clouded in debt, it’s certainly a way to buy yourself some time. Because if you need money to pay bills or debts, it’s always worth contacting your creditors to explain the situation and to make arrangements to pay part of what you owe. This is something that we may not necessarily think about, because we are likely doing our best to avoid speaking to them. But ultimately creditors will work with you to get their money, and they are happy to take part of the payment, rather than nothing at all.

Have You Thought About Bankruptcy?

It is a last-ditch attempt. Bankruptcy is something you shouldn’t take lightly. But if you are buried in piles of debt, it could be a way to wipe the slate clean. There are various types of bankruptcy options, and it’s always worth doing your background research. But if you are so desperate for money that you don’t see a way out, and there’s too much debt, as well as this, everything appears to be going against you, bankruptcy should be the final option. Sometimes, it will wipe your debts completely giving you the chance to start again. But it all depends on the type of bankruptcy you file for. 

Conclusion

Getting money when you’re desperate is achievable, but we’ve also got to be realistic and think about our life. There are ways for you to cut back on your spending and still be happy.

Considering Becoming A Landlord?

Letting a property can bring in an additional source of income, be an investment for later life, or even be your full-time occupation. However, dealing with all of the details on your own can be difficult and time-consuming. Have you considered the benefits of working with a letting agent?

Letting agents provide many benefits to landlords and to tenants. They are a source of information and advice. They have experience in every aspect of the letting process, from promoting your property to guiding you on setting your rent to finding the best moving company to remove furniture or add it to the property.

However, this is not the end of the benefits of short let letting experts. Many such firms have connections within the business that mean you can get greater coverage for your properties without needing to pay additional fees. They will also have templates for many of the legal documents you need to produce, including your tenancy agreement. 

In addition, they may undertake referencing of perspective tenants on your behalf, deal with tenancy deposits and set up rent collection arrangements. Some services offer to work on setting up viewings and offer a point of contact so that you do not need to give out personal details.

Such agencies give you support and advice, including on aspects such as inspections and end of tenancy arrangements. It is an ideal situation for those who still want to retain complete control over their property and the final decision on who to let your property to.

Why Tenant Referencing Is Important

a woman at her desk

It is important to ensure that your tenant can afford the rent and will take care of the accommodation. This is where tenant referencing comes in.

Tenant referencing provides you with details about your prospective tenant and safeguards you and your studio accommodation, flat, apartment, or house in a number of different ways.

Firstly, it provides you with evidence of the prospective tenant’s identity. This is important for your own peace of mind, but also to fulfill your legal requirements in regard to their right to rent a property.

Referencing also gives you a chance to check other details the person has given you in relation to their employment and previous renting record. Employment information will include salary information that ensures that they can afford the rent and have a stable long term income.

a man working

References from previous landlords give an indication as to the type of tenant they have been previously and the level of risk you are taking with your financial investment. 

A credit check is usually carried out as part of the referencing procedures for long-term or short let properties, including studios, flats, apartments, and houses. A poor credit score can happen for a number of reasons, and you can create safeguards by requesting that a guarantor is provided.

Alternatively, you can request a greater number of month’s rent in advance if they are a positive asset in every other respect. 

5 Things To Consider Before Setting A Family Budget

If you’re looking to get your finances in order when it comes to your family then you’re going to need some tips. With so many important things to consider before setting your budget, it’s important you know exactly what you’re doing when it comes to your finances. Whether you’re looking to save for a high-ticket item or you want to get a better hold of your finances, setting a budget is important. With that in mind, here are 5 things you need to consider beforehand: 

What Bills Do You Have To Pay?

bills

One of the first things you need to think about when it comes to a family budget is the bills that you need to pay. Whether it’s your monthly rent or your gas and electricity, you need to be making note of them in a spreadsheet. Once you have all of your monthly bills noted down, you can start to think about how much money you have leftover for the month. For guidance when it comes to working out your outgoings, you can visit this site here. 

How Much Income Do You Have Coming Into Your Household?

Another important thing to consider is how much income you have coming into your household, as without this you won’t be able to work out your monthly disposable income. Make sure you’re taking into account all of the different incomes you have coming into your household. 

Do You Have Any Outstanding Debts?

Once you know your incomings and outgoings, you need to think about any outstanding debts you may also have. If you find you have lots of debts, it might be worth considering a loan that will help you consolidate them. For more information about online installment loans, you can visit this handy site here. 

Are You Savings Money?

savings

If you’re trying to save money, you also need to take this into consideration when creating your family budget. Make sure you’re treating it as a recurring outgoing, as this will increase the chance you have saving money each and every month. The theory is if you act like it’s a necessity to save, chances are you’re more likely to save a considerable amount. 

Do You Keep Track Of Your Disposable Income?

Finally, you need to keep track of how you’re spending your disposable income. Although this is spare money you have to spend each month, you may find that you’re spending it on unnecessary items. 

Make sure you’re keeping track of everything you purchase, monitoring the things you do and don’t need to buy. This could mean cutting down on your visits to the pub, ordering fewer take outs each week or reducing the amount you spend on clothing. Either way, you may be surprised you can save each month. 

Do you need to set yourself a family budget to help look after your finances? What do you need to consider beforehand? Let me know your thoughts and ideas in the comments section below. 

What Are the Main Things to Consider When Making a Will?

Investing in the future is a smart decision, but what happens if your future is cut short? A will is one way that you can invest in the future of your loved ones so that they never have to fight over real estate, investments and assets that you leave behind.

When you create a will, you’re choosing to break away from the 60% of Americans that leave the burden of estate managing in the hands of a lawyer, state or family member.

You can create a will online, or you can go to a lawyer that specializes in wills and trusts. The latter is the ideal choice when you have:

  • Investments
  • High net worth
  • Real estate holdings

If you have nothing to your name, a will may be made online. The more complex the will, the better it is to go to a lawyer. A lawyer will be able to walk you through some of the tax advantages that you may be able to setup for family members, and they’ll ensure that the executor of the will has everything in place to divide your assets properly.

What to Consider When Making a Testament With Varied Investments

If you have varied investments, you may want to consider the following:

Foreign Tax Compliance Laws

If you have foreign bank accounts, you’ll want to work with a lawyer that has experience working in both countries. Israeli bank accounts, for example, are subject to FATCA Compliance which means that if you’re a US taxpayer or a foreign entity that has US taxpayers with substantial ownership, you will need to pay taxes in the US, too.

For example, if you have over $10,000 in financial accounts in Israel, the money will need to be reported to US tax authorities with the IRS expecting to collect 30% tax on the asset.

It’s in your best interest to work with an attorney or law firm that specializes in wills and trusts in Israel and the United States. The lawyer will have experience dealing with FATCA compliance and also helping to lower the tax burden on your loved ones.

Should You Create a Trust?

Trusts are a great option if you have a lot of assets to leave behind. Trusts can have tax advantages, and they can also help you put conditions on asset division. Perhaps you’re leaving your estate to your grandson which has been in recovery for years.

You can put a stipulation in the trust that only a certain portion of the assets will be distributed when your grandson is:

  • 3 years clean
  • 5 years clean
  • 7 years clean
  • Graduates college

Trusts can lower estate taxes, and they allow for the distribution of assets without delay and without costs involved in probate court.

Executors and Guardians

If you have minor children, you’ll want to make sure that you appoint a guardian in the event of your demise. The guardian you choose should be aware of the burden that she or he will shoulder upon your passing.

But you’ll also want to name an alternative guardian just in case the first passes away or has become incapacitated.

Executors should also be named, and these will be the family members or persons that you trust the most. This individual will be responsible for executing the will, and the best executor is someone that is familiar with fiscal matters.

The estate’s executor will be responsible for everything from executing the will to filing with courts and a variety of other legal tasks.

Special Circumstances

Circumstances change, and you do not have an obligation to leave anything behind to family members. If you have had a lifelong feud with your nephew, you can opt to leave him out of your will completely.

When you omit family members from a will, you should have it written down why the person has been omitted with a simple statement.

The reason for providing a statement on the matter is that the person that has been left out of the will can argue that they were omitted by error or mistake. If you clearly state that the person is not to benefit from your will, it will allow for an easier time executing your will and final wishes.

If you create a will today, you should update the will whenever new financial investments or matters arise. Perhaps you didn’t mention your stock in Amazon in the initial will because you’ve just purchased shares.

You can amend your will to include these new investments to ensure that they’re dispersed accordingly upon your demise.

Read over your will annually and have any changes made by a lawyer. You can even request that a person take care of your pets or livestock. You can also leave the continuation of your business in your will so that someone else will overtake your business.

Upwork Scams: How to Not Get Scammed on Upwork

Formerly known as Elance-oDesk, Upwork has become one of the largest and most popular freelancing platforms in the world. With a 16% increase in revenue gain this year, approximately 12 million freelancers and about 5 million registered clients, Upwork does not seem to be slowing down.

If you are willing to put in the time and effort and can build a decent portfolio in terms of successful completion of projects with decent reviews, you can earn anywhere around $100-$150 per day. That’s a decent $3000 minimum pay per month considering you have kept Upwork as a side hustle.

If you plan to make Upwork a full-time gig then you stand to earn much more than this. The amount you earn is limitless. Over time and with a good hourly rate, you’ll be making thousands. This will take time and effort. To
succeed in freelancing on such platforms you always need to depend on the snowball effect.

The first couple of projects will be the hardest to get, but once you power through those with honesty and a good work ethic, you will find projects flowing into your queue in no time. With all that said,  freelancing on Upwork does come with its risks. Here are few of the  different Upwork scams and how you can avoid it.

Requesting to work off-site

This has become one of the most common ways freelancers get scammed on Upwork. If you’ve gone through the handbook for freelancers on the site (which you should’ve), then you know that operating outside the site does not fall in the site’s code of conduct. All work on Upwork has to be done on Upwork and nowhere else.

Most often, this scam works because freelancers get enticed by fancy rates that these “clients” supposedly offer if you agree to work with them outside Upwork. What freelancers do not understand is that these clients are not accountable to anyone outside the site. You stand a risk to get scammed and get paid nothing for all your hard work.

How to solve this?

Follow the handbook rules. Stay within the site for all work received through Upwork. Do NOT go off-site or you risk getting scammed and Upwork can do nothing about it.

Asking for some fee to begin working

Off the back, you might think that this a scam that clients face but surprisingly this is something that freelancers also face. Some clients will request a small fee before they let you begin working on their project. This goes against the website’s rules and regulations and could be a possible scam.

The only money involved is what is listed on the site which is either the amount the project will cost or your hourly rate as a freelancer. If any other cash is requested via chat, this hints to a possible scam so stay away.

How to solve this?

Just say “NO”. If they demand money from you, there is a high chance that this is a scam. Reject the offer and report such clients so that they can deal with them.

Asking for free work

In some instances, clients will ask for a “sample” article to “prove” your writing potential. Although this sounds legitimate, it isn’t. Upwork has stated that there is no concept of free work here whether it is an actual
job or a simple sample. Any work done has to be remunerated. Clients asking for free samples fall under scammers so stay away from such parties.

How to solve this?

Browse through this client’s open jobs, proposals and reviews and make a decision. If it looks fishy, it’s probably a scam. Let your instinct guide you but always remember that free samples are not part of Upwork and their structure.

Asking to share accounts

Yes, the initial days of being a freelancer on sites like this will be nothing short of a struggle. With many rejections and failed attempts at getting that one project to get the ball rolling, you will be desperate. Freelancers in this state usually tend to get scammed by sudden invitations to share accounts so that they can work with you and split the earnings (50-50 or sometimes even 70-30 ).

This might sound downright convenient. Sorry to burst your bubble, but that’s a scam! The risks involved in sharing your account is endless. Changing your password, withdrawing the existing earnings, hijacking and asking for money to give the account back are just a few of these.

How to solve this?

The answer is not rocket science. Under no circumstances should you ever share your account with anyone. Shortcuts will lead to nothing and cost you everything. The simplest way to prevent this is to reject such “helpful” suggestions.

As a client on Upwork, you face scams too. Some of the possible scams are:

Getting plagiarized material

A very simple scam that clients fall into is receiving material that you think is original only to find out later that it is plagiarized. With over 12 million registered freelancers there is a chance that quite a few are scammers looking to make some easy money with copy-paste material.

How to solve this?

Nowadays, tools like Copyscape help clients ensure that the material they receive is 100% genuine. Run the material you receive through this and if it fails, you can easily reject the client and keep the money. There is no point in doing this after a week after completion of the transaction. Do it as soon as you receive the material. (Grammarly is another tool that can help check for grammatical errors along with plagiarism)

Requesting off-site communication and payment

This should be a red flag that your freelancer is possibly trying to scam you. The handbook clearly states that no communication or payment should occur outside its channel. If you do so, you risk getting scammed.

How to solve this?

Just say “NO”. Accept no communication outside Upwork. It ensures accountability, proof and reduces the risk of getting scammed.

Conclusion

Whether you are a freelancer or a client, Upwork is a perfect place for you. With that being said, if you choose to ignore signs of such scams and indulge in activities that might sound like a jackpot, you have a high chance of getting scammed. Stick to their guidelines, adhere to the tips provided here and you stand to gain both as a client and as a freelancer on Upwork.

Sell Your Home Fast And For A Profit

Urgently needing to sell your home? Then you’ve come to the right post. Any person selling their home wants to make a profit of some kind, and this can be increasingly difficult to come by when you don’t have the time to wait for a high bidding buyer.

However, there are some things you can do to enhance your homes appeal in a short amount of time and increase the value and help it sell fast.

Contact Sellers

To sell your home fast, bring in the experts such as real estate professionals or you can contact businesses that purchase properties for a quote to buy your home. For instance, We Buy Houses, Sell My House, give you the option to either buy or sell your home on your behalf.

Seek a valuation from a few professionals before deciding who you want to use, this way, you can find the price that fits your desire to gain a profit on your property. Although this step is essential, you may want to commit to it after the following steps below, to ensure you get the best price possible for your home.

Upgrade Kitchen and Bathroom

If your bathroom and kitchen are outdated, consider investing some time and money in fixing these rooms up first. This will boost your homes appeal to buyers and its value. Whether purchasing a new bathroom suite or changing the tiles, your kitchen or bathroom doesn’t necessarily need a complete overhaul to look stylish and presentable.

Merely changing the faucets, updating the kitchen surfaces, and grouting the tiles can make a world of difference in transforming your bathroom or kitchen on a budget.

Curb Appeal

Your gardens and the exterior of your home are the very first thing new potential buyers will see, so make an effort to create a welcoming and impressive entrance. Mow the lawns, declutter the gardens, paint your peeling front door and update the handles and door knocker.

These are all budget-friendly ways to help sell your home fast. Purchasing a few bright-colored plants will also add appeal to your home. You want your guests to see themselves living in your home, and so creating the best first impression possible, is one of the most effective ways to do that.

Repairs

No busy professional couple, or family of five desires to move into a home where there is heaps of things that need fixing or replacing. Because of this, be sure to make your home functional, by sorting out urgent repairs quickly such as damp in your home.

Whether you have a noisy boiler, creaky doors, or cracks in the walls, focus on these repairs, you can either hire a professional or spend some time putting your DIY skills to use to keep costs down.

Neutral Decor

It’s fair to consider that your decor efforts may not be to everyone’s taste. Because of this, you may want to tone down any bright colors on the walls and change it for something more neutral such as cream, or white. A blank canvas will give potential buyers a clean slate to put their own stamp on their home, and it means less work for them having to change the decor to which is appealing to buyers.

To sell your home quickly, doing what you can in the time available to repair any problems, neutralize the decor and create curb appeal is essential. A home with too many repairs and outdated or garish decor shall decrease the value of your property and most likely only appeal to those who specifically want a fixer-upper.

These Are The Reasons You Need An Emergency Budget! (& What To Do If You Haven’t)

If we went about thinking of the worst possible scenarios that could happen in life, things would get pretty miserable pretty quick. However, that doesn’t mean we can breeze through life, ignoring them either. Especially when most catastrophes involve our financial stability as well as emotional stress. To that end, it is essential to consider what could go wrong. At least in terms of the economic impact, it could have, something you can get some guidance within the post below.

Your pet is injured.

For most people, pets are more than just animals we own. In fact, they are a part of the family, meaning that if they get injured, we will want to do everything in our power to return them to health. Of course, just like the costs involved with a human patient, treatment for your pet can set you back a great deal of money. Something that it can be tough to find out of nowhere. 

Happily, if you have been topping up your emergency budget regularly, there should be enough in there to cover this sort of situation. Although, it is also possible to pay into a pet insurance policy that will cover the costs of most the treatment instead. Something that may actually work out to be more economical than finding the entirely of the sum from your own savings. 

You experience trouble with the law.

If you have ever experienced any trouble with the law, you know that it is no joke! You will also be well aware that any legal difficulty can cost you big time if you are not careful. In fact, there are many potential costs involved. These may include legal representation, the compensation you are instructed to pay to the other party, and even the amount you are required to pay for bail. Something that you cannot be released from prison without. 

Of course, those with a healthy emergency fund will immediately be in a better position should such a situation arise. The reason being they will have at least part of the money needed to cover these costs. However, some people can help, even if you do not have the required funds to hand. 

These being businesses such as Freedom Bail Bonds that can lend you money to secure your release. In addition to those lawyers that offer their services on a no-win, no fee basis. Something that means you do not need to worry about payment at all, as they will take their percentage from the compensation you receive. 

Your need to move home. 

The issue with needing to move home is that it can be very costly. Something that can be problematic if all of your spare capital is tied up in your residence. After all, you cannot access the money you need to pay for renovations and realtors fees before you have sold your house. 

Luckily, those with an emergency fund can use the money they have there and then replace it when their house has sold. While an alternative for those without funds is to get a loan against the value of their home. Something that may decrease the profit they can make on the sale, but also help them out of a financial bind in the short term.

Financial Turmoil We Struggle To Get Out Of

Struggling financially is one of the most common struggles that people have. And struggling financially then leads to so many other struggles that people have to try and deal with, such as problems with a social life, eating right, and mental health problems. It literally controls our life to the point where there’s not much that you can do without it.

So when you find yourself in a bit of financial turmoil, it can literally be one of the most stressful times of your life. When you feel like all you’re doing is borrowing money to pay off other bills, it’s a never ending spiral that ends a lot of people up in debt. Debt is such a serious problem in this world at the minute, that it’s estimated that two thirds of people are actually in debt right this minute.

So before it even gets to that point, we want to try and get you out of the turmoil that you’re in. There’s so many ways that you can work your way to financial freedom, where you don’t feel like you’re being consumed with debt and all of the other problems you might be facing. So if you’re desperate and looking for a bit of help, look no further. Here’s how you can get yourself out of the sticky situation that you’re in.

Battling With Debt

We wanted to start this by talking about debt, because debt is one of the biggest problems this world is facing. It’s not just those that are dealing with debt in terms of personal finances, it’s literally the whole world. Even those businesses that you think are doing so well, are struggling with debt behind closed doors.

So find comfort in the fact that you’re not alone, and there are plenty of things you can do to get away from it. The first thing that we’d recommend that you do, is go and talk to a financial advisor to help you out. Financial advice from a professional who is used to dealing with people who are struggling with debt at the minute is so important.

They can help you formulate that all important plan that will get you back into steady waters. The second thing that you can do, is cut access to all of the areas that you’re borrowing from. Half of the reason we’re in such growing debt, is because there’s so many access points to borrow money.

But if you ring those companies and ask them to freeze your account so that you can borrow no more, it cuts the ties that you’ve began relying on so heavily. It’s a simple solution that not enough people are trying!

When You’re Left Out Of Work

Being left out of work is one of the quickest ways to find yourself in debt. People can be left out of work for so many different reasons, but one of the most common at the minute is an injury at work. Especially those that are involved in a lot of manual labour, there always seems to be some sort of safety hazard, and there always seems to be someone out of work.

The Derrick Law Firm is just one firm you can turn to if you ever find yourself out of work due to personal injury that you know isn’t your fault. It can happen for any reason, but if you know that accident would have been preventable if the company had better measure in place, and you’re off work unpaid for a few weeks, then what have you got to lose.

You could win a case that would give you the finances you need to carry on living, whilst you can’t work!

Dealing With The Emotions That Come With It

The emotions that come with it is something people don’t talk about enough. People love to talk about the financial situation they’re in, but not truly how it’s making them feel. But the emotions that come with it can quickly lead to mental health problems, and it’s those that you need to try and combat.

So to make sure that you stay on top of your mind through all of this, make sure that you’re speaking to those around you about how it’s making you feel, rather than the situation itself. It’s so good to speak out about issues!

Even if it just be a free help advice service that you’re talking to because you don’t want to talk to those that you know, it’s still good to get it out in the open!

How Putting Your Safety First Will Protect Your Money

Protecting your money is something you should be doing anyway, but did you know it’s not always in the most obvious ways that you can do this. Staying safe in all aspects of your life will protect your money because if you a reckless, it costs money.

Stay Safe Online

This is one of the obvious ones, but still very necessary. IF you’re someone who uses the same password for all your accounts – Amazon, eBay, Asos, then if you have ticked the box for ease, then your card details will be saved, and if someone can manage to guess one password, then they have access to everything. Test how secure your password is via howsecureismypassword.net.

This will give you an estimated time for how long it would take a computer to crack your password, and it also offers hints on how you can improve it. Then once you know this, it’s important to up your security by using a password manager such as LastPass.com which can store all your log-in details and also protect them with just one single master password. It also enables you to automatically change your existing passwords to a random series of symbols, numbers and letters without having to visit each particular website.

As well as passwords, make sure that you scan for viruses and spyware regularly, You can buy premium antivirus software, but if you want a free one PC Advisor magazine recommends Avira.

Stay Safe On The Road

This isn’t the first thing that springs to mind when it comes to protecting your money, however, if you think of it from the other side, if you are not safe on the road and you have an accident it will cost you a lot of money.

It could cost a lot to repair the car, getting a new car, repairs to a car you hit, if you are injured it could mean that you need to have time off work and will lose out on money there. You may also have to pay for services from somewhere like NBA Law Firm who has gained a reputation for high-value value settlements and verdicts in car wreck cases.

Stay Safe While Travelling

fun

As a tourist, you are already susceptible to thieves and pickpockets, so you have to take extra care of your money and possessions. One of the best ways to protect your money while you are travelling is to use credit and limit the use of cash. While it is easier to stick to a budget when using cash, cash isn’t replaceable, and if you lose your wallet or someone steals your money, you can lose all of your travel funds.

However, if your credit card is stolen, then you are not liable for unauthorized charges. Even with a debit card, your bank will refund any fraudulent purchases. It’s a good idea to bring some cash on your vacation, but just don’t carry too much.

It’s also a good idea to avoid secluded ATMs. Instead, go to cash machines located inside your hotel or near busy areas but don’t visit them at night or in the early hours of the morning. 

Stay Safe In Your Home

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Keeping your home safe will also keep your money safe. If someone gets in your home, not only will you need to replace valuable items if stolen, but a thief will no doubt be able to find all the information about your bank accounts from inside your home. 

Start off by getting a security camera. It is invaluable to have another set of eyes looking out for you and your home. Having a security camera means that you can check on what’s happening when you’re away from home as they are usually smart these days and you can see what’s going on from an app on your phone. They also act as a deterrent and can force a burglar to think twice before targeting your house.

Another smart idea is to get yourself a smart doorbell which can give the impression you’re at home even when you’re not. They are usually easy to install and highly affordable and come with live video streaming, remote viewing apps, and two-way communication that lets you see and talk to whoever is at your door.

This provides extra security, and it also helps you protect yourself from a home invasion or other violent attack when you are home. Forget having to get up and look through the peephole—these doorbells allow you to see who’s at the door from wherever you feel safest.