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Debt management options, whatever your circumstances

The phrase “crippling debt” sounds melodramatic, but when you are facing them, financial problems can be every bit as debilitating as a physical injury or illness. The stress and anxiety can also lead to both mental and physical health conditions. Debt, crippling or otherwise, is an everyday part of life. Most of us have loans, mortgages, credit cards and so on, but very few of us are financial experts. When you look at it that way, it is hardly surprising that we run into trouble from time to time. If your central heating breaks down or your car develops a…

Stream Energy Reviews: Will Stream Energy Make You Money?

With hundreds of Stream Energy reviews on the internet, it may be hard to tell whether or not joining Stream’s associate program is the right career move for you, personally. . For some Independent Associates (those who sell the company’s services), the Dallas-based company has changed their lives for the better, giving them financial independence, their own businesses, and ownership of their time. Others claim not to have found success. But what’s the truth? Let’s start with what the company is, how it allows its customers to make money, and whether it’s a credible company. What Is Stream Energy? Stream Energy…

Freedom From Debt Is Just Around The Corner

You don’t have to keep living with debt. There are ways to reduce your debt and get out of it sooner. You’ve probably already heard of bankruptcy, but bankruptcy isn’t the only means of getting out of debt. Since the 1990s, consumers in Canada have also been able to file a consumer proposal, a bankruptcy alternative that makes it easier to get out of debt if you have a job or an income, without losing your assets. Bankruptcy trustees, today known as Licensed Insolvency Trustees, are the only professionals who can file for consumer proposals or bankruptcy. Your bankruptcy trustee…

Does Your Home Business Need Insurance?

Image source Many entrepreneurs start their business at home. That way, they can cut costs on having to rent out office space and they can be more flexible by working from the comfort of their home. However, a home business is still a business and you must treat it as such in order to succeed. What’s more, many home business owners believe they cut even more costs by avoiding or neglecting business permits, licenses and insurances. For instance, insurance is the first thing to get neglected. After all, you have home insurance and that should be sufficient, right? Very wrong!…

How to Create an Effective Presentation for a Product

Product presentations are a great way to introduce and inform people about your product, by showing them what it is and letting them know why it is unique. However creating an effective presentation for a product can be tricky, as you will need it to be able to grab and hold the attention of your audience. If you want to start to create more effective product presentations, there are a few ways that you can go about it: Define the goal of the presentation Product presentations can be used for a wide range of reasons. In some cases you may…

How to Start Your Own Mechanic Business

Not every business has to be online in order for it to be a lucrative career. If you have specific skills you can capitalize on, then it’s never a bad idea to turn them into a profitable business. Car mechanics are a perfect example of such a career. Nowadays, many people rely on their vehicles to get them to various places. What’s more, not everyone has the financial means to buy a new car each time the old one breaks down – most people will turn to a mechanic for assistance. However, just because you have the necessary skills to…

Five Ways To Protect Your Finances After A Car Accident

A car accident is just that – an accident that no one can see coming. It can happen in a blink of an eye and yet the results can be devastating like getting injuries, a damaged vehicle, and other repercussions that you might not have expected. So how do you protect your finances in the event that you have a car accident? We’ll be sharing with you five simple ways to protect yourself and your finances in the event that you find yourself in a car accident.  Get Medical Attention Right Away. This should be the first thing to do…

How to Boost Your Kids’ Money Smarts this Summer

Wondering what to do with all that quality time with your kids over the summer? Why not use this year’s summer break to boost their financial IQ? According to a Barkley report, Gen Z has an overall spending power of $100 billion. Marketers might be rejoicing, but parents are likely not. Without financial smarts to know how to manage their finances, your kids will be prey to ad campaigns aimed at taking money out of their pockets. Debt, bankruptcy, and money woes could follow. Fortunately, there are now resources for helping individuals climb out of situations like filing for bankruptcy…

5 Tips to Throwing the Ultimate Child’s Birthday Party

There’s nothing more special than a child’s birthday party. Or, at least, in theory. In practice even the most well-coordinated birthday plans can go up in smoke under the wrong circumstances. And no parent wants to deal with the fallout of an underwhelming birthday party –– let alone the disappointment of a young child. With that in mind, we’re here to provide five tips to ensure that your kid’s next birthday party is a smash hit: Eschew the Surprise Surprise parties might sound good on paper, but they come fraught with logistical problems. Not only is it difficult to keep…

12 Ways Your Family Can Save Money and Add £5K in Your Bank Account

Money is hard to make and easy to spend, but does that mean we cannot manage to save enough of it? Nope. In fact, you can save as much as £5,000 over the next year once you know what to do and that’s just what we’ll be sharing in this post. 1. Lower your bills by consolidating your debts If you feel your credit rate interest rate is too high, consider consolidating and refinancing. Look out for credit with better terms and make the switch. 2. Make extra money with your car If you haven’t tried services like Uber yet, you might want…