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HOW TO MAKE MONEY PLAYING BINGO

make money playing bingo

 

I’ve read a lot of stories over the years of some people winning big at bingo.  With everyone that wins there is often someone that loses.  I guess the key to making money playing bingo is to not get carried away.

 

Where on earth do you start finding the best bingo sites?  There are hundreds out there and for someone starting it can be bewildering.  With this in mind I wanted to share with you my tips on how to figure out the best sites and also what to look out for in terms of sign up and bonuses.

 

 

Finding the best bingo sites

If you are just starting to play bingo, the first place to go is Bingo Kings.  Here you will find a great website with reviews of all bingo the sites out there.  Bingo Kings outline the sign up process, how much deposit, minimal withdrawal, games on offer and the sign up bonus.  This should be your go to site at all times.

 

Sign up for a Welcome Bonus

Nearly all bingo companies make welcome offers to new sign ups. This is normally a bonus which is very attractive to get you to sign up.  If you want to make money then sign up for as many of these are  you can.  They can be different types of welcome bonuses, you could be offered a no deposit bingo play or a deposit match bonus.

If you wan to make the most of these bonuses it’s best to sign up to as many as you can.  Again check out Bingo Kings where you will be able to compare bingo bonuses on offer and read reviews of all bingo sites.

 

Watch out for a Reload Bonus

Once you sign up and have worked through your welcome bonus, some bingo sites will offer you what is known as a reload bonus.  They normally offer this to encourage you to play.  It is another way of increasing the amount of money you have to play with.  My top tip is to keep going back to Bingo Kings to read the reviews and see what types of bonuses are on offer.

 

Check Loyalty Bonus

Some bingo sites will give you loyalty points for playing with them.  Loyalty points can be given out in several ways from prizes, playing specific games or if they are running specific campaigns.  Keep an eye out for these loyalty points when you sign up.

 

Setting limits

Most bingo sites will have a function so you can set a daily, weekly or monthly deposit limit.  This should be done as part of your set up process to encourage responsible gambling. If you have any issues go to Gamble Aware for help.

 

While there are many different games out there, choosing the right one is important. Bingo is part of British life so I’d encourage you to give it a try and see what you can win.

 

 

 

Good luck!

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THREE OPTIONS FOR YOUR INVESTMENT PROPERTY BEYOND RENTAL

investment property

If you have an investment property in a popular area, it can seem like the route to your fortune is easy. All you need to do is make a few adjustments to the house, find a tenant, and then enjoy your new status as a landlord.

 

Of course, the reality is… somewhat different. While it might seem like a nice idea, the truth is that renting a property out is not without its difficulties. Even if you hand over the majority of the rental control to an agent, that still means you’re making a dent in your profits, and you might not be any more guaranteed a seamless landlord life anyway. With changing legislation always an issue and landlords high on the target list for national ire, there’s plenty of reasons why the idea of being a standard landlord isn’t going to work well for your situation.

 

So – you have a property, or at the very least thinking of investing in one. You don’t want to go down the conventional route when it comes to letting it out. So what can you do with it?

 

investment

 

Option One: Nothing At All

 

It’s not the norm, but it does happen: you own the property and then, aside from an annual inspection to ensure everything is still ticking along as it should be, you leave it alone.

 

This is an expensive option, without a doubt. You’re not going to have an extra stream of income to help with the mortgage and tax burden, so you’d have to be financially sound to even be considering it. On the plus side, it does mean you don’t have to worry about tenants damaging your building or jumping through the various legislative hoops – which if you prefer a worry-free life, might make it worth considering.

 

Option Two: Short-Term Lets

 

The so-called sharing economy has become all the rage in recent years, and there’s no reason why your property investment shouldn’t be a part of it. Without the constraints a traditional landlord-tenant relationship might place on you, short-term lets offer you a chance to increase your income without the hassle.

 

The platform that introduced the entire concept – Airbnb – is still overwhelmingly popular, and you may find that Airbnb management services make it easier than you ever would have imagined to run such a letting. On the negative side, you’re not going to be guaranteed a steady stream of renters the way you would be a more conventional tenancy agreement, but that also means that you won’t be dealing with an endless stream of problems, too.

 

Option Three: Live In It

 

Of course, just because it’s an investment property doesn’t mean that you have to have other people live in the house at all. If you pool the money you have available from your home and what you have to invest, you could buy a truly remarkable house which you can then downsize from in retirement – and earn yourself some money at the same time.

 

This does mean that you’re going to be using – and thus potentially damaging – the house as a family home, but on the plus side, it guarantees that you will always be able to keep an eye on the property.

 

So which option do you think might be for you?

 

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DON’T LOSE MONEY DUE TO YOUR BLOG

blogging tips

A lot of people start a blog in the hope of raising some additional cash. After all, once you raise your profile, it can lead to advertising on your blog. Also, you might get companies asking for sponsored blog posts which is also an extra way to earn some money. However, while we might set up a blog to raise some money, it’s easy for it to do the opposite if you are not careful. In fact, here are some ways you can ensure your blog doesn’t end up losing you money.

 

Pexels

 

Be careful to ensure you use copyright free photos

It’s common to use pictures on your blog. After all, it gives it a more visually appealing look and can give a break from the writing. However, while it’s always good to add pictures, you need to ensure the images that you are using are copyright free. Otherwise, you could end up sued if you use them without the owner’s permission.

 

In fact, as it says on https://www.theguardian.com/law/, US blogger Perez Hilton ended up in a £1.6 million lawsuit after using photos on his blog that weren’t his. And unless you fancy losing money down to your blog, you don’t want to follow his lead. Therefore, only use copyright free photos which you can search for online.

 

In fact, there are a lot of free image sites which will ensure you have great quality pictures without breaking the law. And to be extra safe, always credit the site where you took the photo. That way, you can never end up in trouble with the original photographer. And remember the same goes for any wording or quotes you take from other sources. Always link back to the original site to ensure you don’t get in trouble!

 

flickr

Don’t write defamatory claims about people

Of course, a blog is all about writing your opinion on things. But you need to be careful about what you are saying about people. After all, once it’s down in writing, it can be hard to take it back. And if the person in question sees the claims on your blog, they could end up getting you in trouble via the defamation law. After all, even if the comments are true, if you have managed to damage their reputation, they could still sue you.

 

In fact, if you do get into trouble with your blog, you will need to find a lawyer to help you with defamation claims. In fact, you can look online on the asb-law.com website and other similar sites for assistance. But to avoid this occurring, make sure you are careful about what you are writing about!

 

 Image from Pexels

 

Always answer any bad complaints

It’s easy to ignore any bad complaints which might appear on your blog or on your social media account for the site. But if you do ignore them, it could jeopardise your chances of securing advertising for your blog.

 

And not only this but you might lose people who are currently advertising. After all, they won’t want to be associated with bad press. Therefore, even if you pre-schedule your posts, constantly check your accounts for bad feedback. And respond quickly to ensure there is no further comeback!

 

And remember to always be honest and open if it’s an endorsed post to stay within the law.

 

Elf x

 

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GROWING YOUR NEST EGG: TOP TIPS FOR BEGINNER INVESTORS

Tips for Investing

A guest post by The Retired Broker, visit his blog here: http://theretiredbroker.com/

Please follow him here: https://twitter.com/retiredbroker

 

 

Thinking of investing some of your cash?  Below are some hints and tips to think about before making a decision.

 

Paying for Financial Advice

First, you have a choice of whether to take financial qualified advice regarding where to invest your money.  The key factor here is cost as you will be required to pay for this advice which could cost you 2% which means if you get a return of 2% in the first year you are back to square one!  There are a lot of websites out there that can provide you with generic information, it may be best to make the most of these if you decide not to seek qualified advice.

 

Investment Term

The length of time you want to invest depends on when you might require your money back.  The timescale of 5/10 years is regarded as medium to long term, anything less than this is considered short term.  Generally speaking, the shorter the term the less risk you should consider taking.

 

Risk

Broadly speaking, there are two places to put your money, deposit and investment.

Deposit accounts of all varieties while reassuringly boring you will know exactly where you will stand and how much you will get with this type of investment.  So for example say a fixed bond of 5 years with a fixed rate of 2.4% you will get a return on your investment of 2.4% which could either be paid annually or month.  However it may mean in ‘real terms’ it could be lower depending on inflation at the time.  The main point to make is that if the interest you are earning is less than inflation then the buying power of your savings will be reduced.

 

With investment there is no interest, instead you are taking the risk that over time the value of your investment will go up.  It can also go down and almost certainly will fluctuate in the middle.  Check to see if the advantages of an ISA are worth investing in.

There are good reasons to consider it, but the main decision you have is the underlying stocks and shares themselves. One that invests in blue chip UK shares is generally considered to be a lower risk than one that invests in the shares of India or China. The attraction of the higher risk option is the chance of a greater return over time, but the risk of greater loss is also there. When you invest a lump sum into a stocks and shares ISA, you buy “units” of that investment at the value they are on that day. If this is the route you are considering you may want to look at regular savings options. By “dripping” in your investment you can take advantage of “POUND COST AVERAGING” Here is an article that explains it.
Now let’s me take a step back. There have always been a few guidelines when considering investments:

 

Clear non- mortgage debt. If you have any non-mortgage debt, then the interest you are being charged will outweigh any returns you may get on your nest egg by far. Consider clearing this debt.

 

Emergency fund. An emergency fund should be sufficient to sustain your family if the main earner is unable to earn for six months.

 

Consider clearing mortgage debt. Paying off part of a mortgage will create a monthly saving which then can be used to drip into an investment if you wanted to. You need to play with the figures to see if that is a runner for you.

 

Make a will. Whatever you choose to do, making a Will most certainly will ensure your plans are likely to go on even if you don’t!

 

Review your life cover.  If you have a family, there would be costs on death so it’s an idea to spend some time thinking about the financial consequences, sort it out to your satisfaction, then forget about it for a few years and then review it again.

 

Look at pension provision. The pension market has changed beyond recognition over the last few years, but the tax relief still makes pension plans worth looking at.

 

Children’s future. Think about whether you want to put any savings in your children’s names directly.
Finally, spend some and have fun. None of us knows what’s around the corner and time is a vicious thief, banking a memory now will give a guaranteed return forever!

 

Happy Investing!

 

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HOW TO SAVE MONEY ON CLOTHING, FOOTWEAR, ACCESSORIES & HOMEWARE

save money

There are times when we are under a lot of financial stress and more so when we need to buy clothing, footwear or accessories or have a gift ready for a friend or family member. In a bid to help you save money I wanted to share with you some of the top sales that are happening at the moment.  I believe with a little planning you could save yourself hundreds by buying items for upcoming birthdays, events and even Christmas 2017 all in the sales!

 

 

Florence & Fred up to 50% off sale

Fantastic for kids clothing too, t-shirts from £1.50.

http://fave.co/2m3z1H8

Remember you can cut down on the postage costs too by order with Free Click and Collect to a store near you!

 

 

Topshop up to 70% off sale

Some great items from clothing to accessories.  You can get a phone case for £1!

http://fave.co/2lBDzUl

 

 

Whistles up to 70% off sale

I just love Whistles but always wait for the sale!  Accessories are from £8 and t-shirts from £10.  Excellent quality at these fantastic reduced prices.

http://fave.co/2lGVABe

 

 

Jack Wills up to 50% off sale

Some great bargains for men and women.  Love the Fairisle Socks at only £3.95 here!

http://fave.co/2m7wkRT

 

 

Clarks Outlet Store – Always Reduced Prices

Yes a great place to shop for Clarks shoes – their outlet store have reduced prices all year round.

http://fave.co/2lH8Rtq

 

 

Oasis up to 70% off sale

Another great sale, this time from Oasis with up to 70% off.  Prices start from £10.

http://fave.co/2kUvJRz

 

 

ASOS up to 70% off sale

Another fantastic way to save money on birthday presents or gifts, with up to 70% off you can’t go wrong!

http://fave.co/2l2Z0dX

 

 

New Look up to 70% off sale

You can get items from 50p in the New Look sale – stock up!

http://tidd.ly/a2d92684

 

 

Superdrug Sale

Still some fantastic bargains to be had at the Superdrug sale which isn’t advertised!  Visit and you could be getting Christmas presents from 49p!

http://tidd.ly/c868be2b

 

 

Argento sale – Jewellery

Jewellery at a fraction of the cost in the Argento sale with rings from £3 – yes you read that right – £3!

http://tidd.ly/75fce031

 

 

Everything £5!

Not so much a sale but a great bargain from Everything5pounds.  Boots, shoes, jeans, tops and each item is only £5.  Why not have a look to see how much you could save?

http://tidd.ly/a2b7bfa5

 

 

Happy Money Saving folks 🙂

 

Elf x

 

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HOW TO MAKE MONEY WITH SURVEY SITES

survey sites

I have spoken at length before about a fantastic survey site Prolific Academic, survey sites are a great way of making extra money and vouchers, you would be surprised at how easy and quickly you can earn by just answering a few questions.

 

You could earn as much as £5 for completing questions which could take up to 30 minutes of your time.  It is easy to do in your lunch break!

 

Survey sites do differ in what they offer in terms of number of questions, time you need to take, types of questions you are asked to complete and the amount of money you are paid.

 

Below I have listed a further two survey sites which I recommend as a way of making extra cash…

 

 

Reward TV UK

RewardTV has been around for approximately 10 years.  You sign up and answer questions about your viewing habits and other likes and dislikes in relation to TV programmes.

 

It’s a very easy to register and start earning.  Basically you watch TV as you normally do, you then login to their website and answer questions about what you watched.

 

Answering questions allows you to accumulate points which you save up and then get to spend.

 

Why not register today and see how much you can accumulate?

 

 

 

Pinecone 

 

This is a great site, where you get to help influence tomorrow’s products!  You complete surveys from the comfort and convenience and get paid for sharing your thoughts.  Membership is totally free and only takes a few minutes to sign up.

 

Pinecone is very generous in terms of payment – you can earn up to £3 per survey so really worth signing up to now!

 

Why not register here and start earning now?

 

 

Happy money making!

 

 

Elf x

 

 

 

ANT TO MAKE MONEY WITH YOUR OLD RECEIPTS?  READ ALL ABOUT IT HERE.

WANT TO EARN GIFT VOUCHERS?  READ MY REVIEW OF SWAGBUCKS.  

INTERESTED IN KNOWING WHAT A VIRTUAL ASSISTANT DOES AND HOW YOU CAN MAKE MONEY?  READ MORE HERE.  

WANT TO GET PAID FOR COMPLETING SURVEYS?  READ MY POST ABOUT PROLIFIC ACADEMIC HERE.

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HOW TO START A FINANCIAL DETOX TODAY

financial detox

I want to share with you how you can start a financial detox and you don’t have to wait until the New Year either – have a go today!

 

A New Year is about fresh starts, it is about making resolutions to implement a new habit or kick a bad one.  While many work towards becoming healthy and fit or setting out to achieve a specific goal, there is one part of our lives that is often overlooked – money!

 

The New Year is the perfect time to take part in a financial detox.

 

What is a financial detox I hear you say?  Put simply it is a way of getting your finances in shape.

 

We all know that Christmas comes around at the same time each year yet three in 10 adults reported they will be in debt after Christmas 2016. A nationwide poll which was commissioned by BBC1’s Watchdog noted that the debt is likely to be up to £250 per person with younger adults more likely to experience debt.

 

I’ve put together a financial detox list of tips to help you keep on track in 2017…

 

Write out your financial goals

 

Most of us are so focused on today that we are often ill prepared for tomorrow.  Which is why it is so important to plan for the future.

 

We all have dreams for the future, but without a plan dreams can often be put to one side.

 

To gain control of your financial future start with your financial goals.  Writing these down is a great way of reinforcing the goal and it also allows you to visualise and reaffirm that goal.

 

Why not treat yourself to a notebook in the January sales and start writing down your financial goals – remember to keep it close and have a pen attached to it – no excuses!

 

 

Purify your income and expenditure

 

To get a handle on your finances it is important to list your income and expenditure.

 

First step is to know your actual income from your salary, benefits, child benefit etc.  Once you have this information you can then move on to your expenditure.

 

Note down your bills and whatever other monthly expenses you have including those trips to the coffee shop or the times you nip in for a pint of milk but end up spending over £20!

 

Once you have this information you can create a realistic budget to help you keep track of your monthly budget.

 

 

Trim your spending

 

Seems straightforward but when you have a lot of bills it can seem a daunting task.  Break it down in to manageable chunks.

 

First re-negotiate your current services such as mobile, home insurance, broadband and cable TV services with your current providers.  However, before calling them visit a cost comparison site such as Go Compare and see if you can get better deals by getting a quote for each of the services.

 

With this key information to hand contact your current providers and ask them what kind of discount they could give you.  Pass on the deals you have found on the cost comparison website.  More times than not, they will offer you a discount.

 

Personally, I have saved hundreds doing this – I know you can too.

 

 

Plug the toxic spending leaks

 

Sit down and assess what you currently spend your money on.  You need to be honest with yourself.

 

Ask yourself the following questions: Why am I spending money on this item? Do I want or need this item? Is it worth that much? Is this purchase trying to make up for some area of my life that is lacking? Is there a less expensive alternative to what I want to buy? If so, why am I not willing to buy the less expensive alternative? What else do I want or need that this money could be used for?

 

Give your answers some thought. Once you understand your feelings make an agreement to rectify any bad habits which are causing you to spend money carelessly.

 

For example, you could put strategies in place to deal with these such as having a ‘no-spend’ day or setting yourself a target such as saving for a holiday.

 

Whatever the challenge I highly recommend you start a spending diary so you can track where your money goes.

 

 

Fire up your income making skills

 

It’s not just about cutting back it is also about increasing your income.  There are many ways to do that.  If you have time to spare you could try out  mystery shopping, or completing surveys during your lunch break or indeed you could start a blog.  You could also sell your unwanted clothes, CDs, and DVDs online or if you have a hobby – sell your handmade items at craft fairs or online.

 

If you are receiving benefits, visit your local Citizen’s Advice to make sure you are claiming everything you are entitled to.  There are so many people that miss out because they are unaware of what they can claim.  Make sure you are not one of them!

 

Happy Detoxing!

 

Elf x

 

This article first appeared on Belfast Live.

 

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HOW TO SHED THOSE £000’s AFTER CHRISTMAS

 

 

Today I have a fantastic post from George who runs the blog Retired Broker.  You can follow George here.  George shares his ideas of how to shed those pounds from your credit card bill.

 

The January credit card statement is the financial equivalent of standing on the scales on Boxing Day;  you know the numbers you are looking at are accurate, but the events that led to this point don’t  seem such a great idea any more.

 

So what are your options when faced with the aftermath of a little festive overspending? Well there are options, but like the battle with the scales, success relies on a bit of planning, effort and will-power.

 

As with any credit card bill, the absolutely best solution is to clear it in one go, It avoids interest charges and does wonderful things for your credit score.

 

If that is not possible, you are then facing the prospect of paying interest probably in excess of 15% APR. If you took advantage of a special offer on a store card in order to buy that must have present that was otherwise just financially out of reach, then you are facing higher charges as these cards generally have interest rates of 20% APR and even over 30%! These can wipe out any “special offer” if not used wisely.

 

If you have a balance of £1000 with an interest charge of 18% APR and are paying £30 a month to clear it IT WILL TAKE YOU JUST UNDER 4 YEARS AT A TOTAL COST OF £1410!

 

If you can’t clear your bill in one hit, then the first thing to do is make a realistic assessment of the situation. This is quite simple; however it only works if you are completely honest with yourself!

 

Here are a few steps you can take that will help you get back into control:

 

Step 1.

Write down the total amount of the credit card bill. If there is more than one, then list them separately.

 

Step 2.

Read the terms and conditions of each card. You need to know the interest rate you are being charged and the length of time you have to pay it. If you have more than one card, list them in order of who is charging the most interest first.

 

Step 3

Work out a budget for yourself. Include everything you spend and include an amount for day to day expenses. Work out an amount that you can comfortably afford each month to pay the outstanding amount.

 

It may be that you find that the balance can be cleared in a few months and you are happy to accept the interest charges for those few months. On the other hand, it may be that it will take a while longer.

 

One way of dealing with this situation is to look at other credit cards and see if you could be better off switching and taking advantage of an interest free offer. Also known as a “Balance Transfer”, this is where you move your existing credit card debt to a new card in order to take advantage of an interest free period over a set time.

 

The advantage being that if you are no longer paying any interest, the whole of your monthly payment is set against the outstanding balance, resulting in the debt being reduced (and hopefully finished) a lot quicker. There is usually a bit of a catch though.

 

The new provider commonly adds a transfer fee, typically 3%, to the balance that is being transferred. You need to check this carefully when looking at your switching options. It has to be said though, that even with the fee, you are virtually guaranteed to save considerable amounts by switching to an interest free card.

 

Other things to consider are the interest rates the new card will charge when the interest free period ends and whether or not the interest free offer is just for balance transfers or will it be for purchases as well.

 

The safest way to use these cards is to make the transfer, work out how much you need to pay in order to clear the balance by the end of the interest free term and never use it again!

 

GOING BACK TO THE EARLIER EXAMPLE OF A BALANCE OF £1000, IF IT IS SWITCHED TO AN

INTEREST FREE CARD, EVEN WITH A 3% FEE, IT WILL NOW TAKE UNDER 3 YEARS TO CLEAR, AT A

TOTAL COST OF £1030. A SAVING OF ONE YEAR AND NEARLY £400!

 

There are a variety of credit card comparison sites on the internet that will help you choose the best one for you, but bear in mind that in order to qualify for the best offers, you need a good credit record.

 

WANT TO KNOW WAYS TO INCREASE YOUR BANK BALANCE THIS JANUARY?  CHECK OUT MY BLOG POST HERE.

HOW TO SET UP A BLOG TO MAKE MONEY IN 3 EASY STEPS?  VIEW THE POST HERE.

INTERESTED IN KNOWING HOW TO MONETIZE YOUR BLOG?  READ MY BLOG POST HERE.

WANT STUFF FOR FREE TO REVIEW ON YOUR BLOG?  READ MY POST HERE.

WANT TO MAKE MONEY WITH YOUR OLD RECEIPTS?  READ ALL ABOUT IT HERE.

WANT TO EARN GIFT VOUCHERS?  READ MY REVIEW OF SWAGBUCKS.  

INTERESTED IN KNOWING WHAT A VIRTUAL ASSISTANT DOES AND HOW YOU CAN MAKE MONEY?  READ MORE HERE.  

WANT TO GET PAID FOR COMPLETING SURVEYS?  READ MY POST ABOUT PROLIFIC ACADEMIC HERE.

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TIPS TO HELP YOU SET GOALS FOR 2017

As another year comes to an end we start to think of what we want to achieve as 2017 approaches.

 

The winter solace has passed and the New Year beckons it also signifies the shortest day has passed and the days are on the turn again as we head to spring and eventually summer.

 

Goal setting is a fantastic way to start the New Year, it also gives us the focus we need to achieve what we want in life.

 

Goal setting also helps you along a journey to a specific destination (your goal).

 

Goal setting also helps you set out precisely what you want to achieve and to visualise that goal in order to turn it in to reality.

 

Goal setting is not just about long term goals but short term ones too which are clearly defined and provides you with the motivation to focus and measure how you are doing.

 

HOW TO START SETTING GOALS

Before putting pen to paper it is a good idea to first think of the big goal you want to achieve, this will set the sceenee for how you break it down in to smaller achievable tasks to keep you focused.  This can be done on a week to week basis or a month by month one.

 

STEP 1:  SETTING YOUR OVERALL GOALS

 

Firstly, think of what you want to achieve in your life overall, this big goal is what you want to achieve in all aspects of your life from your career, health, family life, financial etc.  and write these down in a personal note book.

 

 

STEP 2:  SET SMALLER GOALS/TASKS

 

When you have set your overall goals above, create a one year plan, a six month plan and then a one month plan for each goal.  Break each goal down in to smaller tasks you are going to do to achieve that goal.

 

Next step  is to create a daily to do list of things you are going to action which will help you achieve the goal.  For example you may have to research a business idea or you may need to read up on a particular topic, whatever you need to reach your goal, write the tasks down.

 

 

STEP 3: BE SMART

 

To help you along the way try and make your goals SMART.  SMART stands for:

 

S – Specific

M – Measurable

A – Attainable

R – Relevant

T – Time bound

 

As an example if your goal is to start a blog, using SMART  it could be “to have started my blog by 1st March 2017”.

 

 

SOME FURTHER TIPS

 

Be precise when setting your tasks to achieve your goals with dates and times, this will help you stick to your plan and measure how successful you are.

 

Be positive.  State your goals in a positive expression, this will help you stay positive and keep on track.

 

Prioritise.  Give each task a number to prioritise your list.  This will also ensure you are not overwhelmed by the task ahead.

 

Note it down.  Make sure you write your goals and progress down in a note book, this is a great way to visualise them and keep them in mind wherever you are.

 

Be realistic.  It is important to be realistic with your goals.  This will also help you stay motivated.

 

 

FINALLY

 

Goal setting is a fantastic way of helping you decide what it is you want to achieve with your life and a plan for how you can achieve it.  It is also a way of keeping you motivated as you work towards the goal and can also help build your confidence as you grow in knowledge and achieve your smaller tasks you have set yourself.

 

I believe it is very important for you to set yourself goals, if one of your goals is to make extra money during 2017 I highly recommend you read my other blog posts below.

 

Happy Goal Setting!

 

Elf x

 

 

WANT TO KNOW WAYS TO INCREASE YOUR BANK BALANCE THIS JANUARY?  CHECK OUT MY BLOG POST HERE.

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5 WAYS TO LOOK AFTER YOUR MENTAL HEALTH

 

 

If you are on a money saving journey for whatever reason, it is so important to look after your mental health.

 

Below I have listed 5 ways to help you stay positive along the journey.

 

Remember though if you require help please visit your Doctor.

 

 

  1. Try a little exercise

 

There is so much evidence now to suggest that light exercise can improve our mood no matter what your age or ability.  Exercise releases happy endorphins so give it a go, whether that’s going for a walk during your lunch break or in the evenings or exercising to a DVD or app – why not give it a go?

 

  1. Connect with family & friends

 

Social relationships can have a positive impact on how we feel about ourselves.  Connect with family and friends today.  Try phoning someone you haven’t spoken to in a while or say hello to someone you always see on your journey to work.  Make a connection and see how it goes.

 

  1. Write down your goals & use visualisation techniques

 

It can be difficult and lonely if you are on a journey to save money and make money.  It can be helpful to write down your goals and visualise these to keep you motivated.  Do this each morning and evening as a way of keeping on track.

 

  1. Start a hobby

 

Lifelong learning is common place now, it increases our social interaction with others, allows us to be more active and has the potential to increase our self-esteem.  Why not start something new today?  Go look at what is on offer in your local leisure centre or community group now.

 

  1. Volunteer

 

Volunteering is a great way of giving back, but it also helps you to connect with others and is very rewarding.  Why not see what volunteering opportunities there are in your local area?

 

 

 

I hope these five steps will help you look after your mental health in general but even more so if you are on a journey to save money and to make money.

 

Take care of yourself!

 

 

Elf x

 

 

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