Archive for November, 2018

Home Renovation On A Budget

At some point during the year, everyone wants to renovate or rebuild something in either their indoor or outdoor living space. With many different design pieces of advice available online, ranging from DIY to 6 figures customization, in this article, we will focus more on the actual plan which stands behind the actual execution. Let’s break down how to renovate a space on a budget in 4 easy steps.

1) The Actual Plan

When it comes to planning for home improvement, there is a significant part which involves materials’ choice, budgeting and space planning. To prepare an execution plan it’s important to separate each phase in its entirety, in order to follow them easier. If your home renovation plan heavily relies on DIY applications, websites like Instructables and such could definitely help you in guaranteeing you results.

2) The Execution

Many times, following a plan could be a complicated matter, especially if it wasn’t clear at its start: for example if a building section tells you to put together 4 pieces of wood but you did not buy the tools necessary in order to do it, that could be a problem.
In order to overcome this “problem”, each and every section should include a “what do you need” paragraph.

3) Results

It’s important, especially when doing a DIY project, to keep in mind that most of the times your result won’t look like the picture you were using as an example. Mainly because there are several factors which could block the entire process, ranging from the materials you’ve used to your building skills. No one expects a DIY amateur to build a perfectly looking piece of conservatory furniture, indeed.

4) Organization

Once your piece of furniture, your decoration or your general piece is ready, its installation in the actual space would be the last bit. Space organization could be tricky, especially if you’re not following any particular rule or trend. There are several factors that you should take into consideration, but the biggest one will definitely be related to the fact that your perception of the space should be the final judgement detail: this is your space so you should be the one who likes it the most!

5 Things to Consider Before Hiring a Crane

Whether you are building a two-story house or a proper skyscraper, you are going to need to call in a tower crane. Since there are numerous crane companies today, you have to know at least some parameters before you decide to hire one. The primary issue with cranes is safety. Tower cranes go tens of meters into the air and if they crash lives will be in danger, not to mention that they can topple down the entire structure you are erecting. There are numerous things to consider before hiring a crane and we offer you the 5 topmost things to keep in mind.

Safety Record

Feel free to google the company you preliminary decide on. This is a good way to check if their cranes have been involved in any accidents or have they had any trouble with the law recently. Alternatively, you can check out the comment section on their Facebook page or search construction-related online message boards. When you contact them, ask for their portfolio just to be on the safe side. An impeccable safety record is a green light to hire them.

Experience

It is important to have people on the construction site who know what they are doing. Companies who have years and preferably decades of experience are less likely to mess things up. On the contrary, a good crane company will teach you a few tricks when it comes to using cranes and working at high altitudes. Their experience will prove valuable if you encounter any problems during the build. When enquiring about their experience, focus on the projects they did that are similar to yours. There is no point in hiring a crane company that specializes in commercial building if you need them for your house in the suburbs.

The Equipment

Whichever type of crane you need, the equipment they use has to be new and field tested. This means that they have to be able to operate in extreme weather conditions, like in the scorching summer and the chilling subzero temperatures during winter. That is why any tower crane rent must include machines that can operate during the summer months as well as cope with the cold in winter. Also, the crew needs to be trained on how to operate the crane and what to do in case of an emergency.

Go Through the Plans

One scenario that really ought to be avoided is for the crane to simply show up and get the instructions what to lift on the sport. This ad hoc solution can lead to disaster, as both the crane operator and the construction crew have not had time to coordinate properly. Way before the crane arrives, hold a meeting and make a plan and a timetable of what the crane is actually going to be moving. One reason this is done beforehand is to test the ground if it can support the crane and its load.

Insurance

All the pieces of advice he has provided you with so far have been in regard to the prevention of accidents. However, you should be ready for the worst case scenario. You need to have liability insurance and check with the crane company if they have one too. In case something goes wrong, both parties need to know exactly who is responsible for what and who will make up for the damages in insurance money.

Hiring a crane is for many companies a routine task. They have done it tens of times before, but each time they went through the checklist we provided you with here. Be sure to take all these factors into consideration. before making the final decision.

How To Choose The Ideal Brand Colours For Your Business

If you’re starting a business or are in the process of rebranding your existing one, it’s important to know the influence that colours can have on your consumers when going through the creation stages.

 

Some research suggests that over 85% of consumers are a firm believer in colour choice impacting their product selection which is a huge factor when it comes to standing out from your competitors. In order to make sure that the brand colour you choose is fit for purpose, consider these tips so that your colour palette can be memorable and inspiring to other users.

 

Understand Your Focus

An essential factor that should be considered when choosing the colour palette for your business is understanding your focus and ethos. If you work in a corporate environment, it wouldn’t appear ideal to be using big and bright bold colours for your palette. The colour red that can be easily identified with brands such as Coca-Cola and Virgin have the identity for wanting their consumers to be bold and energetic. By considering your brand’s goals and the target audience, it helps to understand which colours would be ideal for you.

 

Consider The Psychology Around It

Colour psychology is a thing. The colour of objects and signs have associated thoughts and feelings that can influence a users’ perception. For example, technology brands tend to sway towards using blue for their brand as it projects a sign of trust and intelligence to users. By understanding how you want your users to feel when they consider your brand will influence the colours that you choose for your branding.

 

Be Bold And Experiment

There are many examples in which brands have chosen to be bold with their colour choices for their products and have seen great results that have come from it. It can be a risk to experiment but engaging your consumers should be your primary focus. Therefore, consider at least 3 colours to put together with your brand that can ultimately result in something powerful but still relevant to your brand.

 

Do Competitor Research

Knowing your industry and what makes your other competitors successful can provide you with ideas on whether you wish to stand out or fit in with the crowd. It’s all about finding a balance in your colour palette that can effectively do both so consider several brands and companies in your industry before having a play around.

 

Create A Mood Board

An alternative way to mix together colours you’ve considered is through creating a mood board. Colours are extracted and put together through images that have similar colour schemes. By placing the colours together, it can help you judge the emotions and moods that your brand would project to your audience. Many agencies that specialise in brand design Manchester based will advise using the 60:30:10 colour ratio. This is where three colours are chosen and distributed by 60%, 30% and 10%.

 

It can be an exciting time creating a new brand image for your business, but it’s also important to now get carried away with your ideas. Following a structure and doing relevant research will be beneficial in creating a brand that will be engaging and memorable to your consumers.

Best Tips for Successful Shop Fitout in Any Business

A lot can depend on successful shop fitout in any business. It requires that you take into account a lot of factors like color, branding, and lighting to the very least. Therefore, it is not an easy task and will require some finesse to pull it off perfectly.

However, sometimes the budget may be a problem since fitouts tend to turn out expensive. But with some strategic ideas, you can still get the best concepts without spending too much. To help you with that, here are the best tips that will turn your shop into a perfectly designed space.

  1. Use decluttering

No one likes messy or crowded store designs. Customers get tired pretty quickly with trying to find what they need and you may lose them forever. On the other side, you will have a hard time keeping track of your items for retagging the prices or restocking.

When a store is small, it’s hard to keep it decluttered, but with some finesse, you will be able to do so efficiently. Use tables with storage space on the bottom to store excess items and leave the above surface to serve for displaying. Install shelves, create power walls, and leave enough space between the racks so your customers can move.

  1. Store zones and messages they carry

The easiest way for successful shop fitout is if you designate zones in your store. That way, you can assign a different message to each zone and promote more of your items. Furthermore, this strategy gives you a clear overview of your inventory and encourages your customers to buy more.

For example, consider retail counter as a point of sale you can use to display smaller items, like socks, wallets or greeting cards. Use front of the store for first impressions, but also outside of the store to highlight certain offer or items. Even changing rooms and restrooms are ideal for displaying certain messages, if there is enough space to do it effectively.

  1. Keep your shop clean

Cleaning may be an annoying task, but if not done regularly you will notice the customers avoiding your shop. If the business looks dirty from the outside, the customers will most likely give it a wide berth. However, this doesn’t mean that simple washing of windows and dusting will do.

In order to keep your store impeccable, you will need to designate daily and weekly chores to clean and maintain the space. This even includes cleaning the area where your employees spend their break time and have lunch. Hire a professional service to do the cleaning, but make sure that to include this expense in your budget.

  1. Work on lighting

One of the cheapest tricks that will help you improve the overall look of your store is lighting. Many stores tend to overlook the influence a good lighting can have on the customers. But those who know how to use it, have a steady number of customers at all times.

For example, shopping malls use bright light so their customers can have the better look at the quality of materials and colors. Some stores get more creative and use Edison lights and spotlighting to highlight certain areas. You can even have fun with different colors of lights and neon signs if your budget permits it.

  1. Charm your customers

Start charming your customers right at the entrance of the store with the presentation of the certain products. That way you will be able to interest them to browse around and help them decide what to buy. Carefully designed shop fitout and a theme will make this fixture a perfect way to attract more customers and promote your offer.

Use small tables and sales racks to create these fixtures throughout the entire store as well. Just make sure you don’t place them too close to each other to avoid cluttering the space. Also, rotate the products regularly so your customers would observe the range of your offer and not get bored quickly.

  1. Appeal to senses

When you decide on a certain design, think about other senses you can appeal to with your customers. The best way to complete the whole presentation of your products is by using music and scents to inspire store visitors. Of course, they need to be matched perfectly in order to create stimuli that will help the customers’ decision-making process.

Studies even prove this combination an ideal strategy to encourage customers to purchase certain products or frequently visit the same store. Use Spotify to play sounds and position oil diffusers strategically so that the scents don’t overwhelm the visitors.

  1. Add a power wall

Power wall is another efficient way to draw the attention of your customers the moment they enter the store. Use this spot to display items on sale or the ones that are currently in trend or hot selling. With this installation, you will help your customers find the newest products or those they can buy on discount.

Also, the power wall can serve to promote certain brands or group of products, like laundry detergents, sweaters or smartphones. Customers like to know they have more than one choice and preferably to be able to compare them. With the power wall, you can easily do so while at the same time you will also boost the sale of certain items.

All in all

Before you start with designing your shop interior, take a good look at the space you have. The secret of successful shop fitout is to use the available areas to attract more customers and promote your inventory. After all, that way the customers will find what they are looking for and your business will be a success.

Solo Travel Is Big Business For The Travel Industry

Typically, a summer holiday is an occasion for all the family to get together for a wonderful getaway somewhere hot and sunny. However, there’s a new wave of holiday’s that are taking the travel industry by storm – solo travellers. A survey conducted in August 2018 shows that in the past seven years, there’s been a staggering 150% rise in solo travel by British holidaymakers. It’s safe to say that solo travel is becoming big business for the travel industry. So, why has it become so popular and what impact is this having?

 

Why Solo Travel?

For travellers aged 35 to 44, the idea of travelling solo has become more appealing – particularly for those who don’t have a partner. In just a year, the number of them embarking on solo travel holidays trebled from 5% to 16%. It’s believed that people are choosing to travel alone because of the freedom that it brings, along with the fact that smartphones with navigation are making the experience seem less daunting.

Going on holidays by yourself has also become safe in some ways, as you can keep in regular contact with your family and friends back home. All you need is yourself, a backpack with your favourite travel accessories and a taste for adventure.

 

Solo Travellers In Group Holidays

There are also those people who enjoy meeting up with other solo travellers or joining groups who travel around the more undiscovered parts of the world. There are many groups that cater for various age groups, from 18-25 to 65+ groups. Meeting up with likeminded people is one of the most appealing things for solo travellers. Though there are itineraries, they’re by no means restricting, and you can opt in and out of the activities planned. Group solo trips are often more popular with female solo travellers as they feel safer.

 

The Impact On The Travel Industry

Many existing travel agents are expanding into the solo travel market, offering special packages for those wishing to travel to just one country or several. There have also been a number of other new companies set up to rival the bigger airlines and agencies, specialising only in solo travel. This has made for competitively priced trips, benefiting the consumer.

More and more people are booking holidays online as opposed to in a physical agency, but solo travellers like to feel looked after and reassured; spiking an interest in those visiting agents again. This is because there is a personal approach that can’t be achieved online, with the travel agent being able to make custom recommendations based on the experience the traveller is looking for.

 

The Most Popular Destinations

Typically, the most popular destinations include Asia, USA and Indonesia. In fact, single travellers make 50% more trips to Asia and more than twice as many to Antarctica. Many British holidaymakers prefer to go further afield than the typical European countries, giving them a stronger sense of exploration the further they’re away from home.

Work at Home: TOP 9 Ideas for Your Business

Want to be a working mom? There are many women who are ready to work at home. But they are not ready to run the risk and attract big capital. Also you should love what you do. It’s rare to meet an entrepreneur who is not invested in own business. Do you think you need much money to start? Of course, if you want to create something as much big and successful as ACE, United Technologies, or Target you need big money to invest. Also, it needs much time and attention.

But if you have some free time and want to add some money to your budget, you should think of partial jobs. It’s when you like cooking but don’t have enough money for opening your restaurant. So, you decide to cook at home for taking out. So, any ideas about where to start?

IMG_8455-136
  1. eBay Trades

You can easily sell something on eBay. This is rather cheap and fast platform to sell your old even broken stuff online. If you have nothing to sell you should buy something for cheap so that you can sell it from eBay later. Let’s count. Giving your valuable time for eBay trades every week (about 20 hours), you can earn about $1000 per month. It’s real money! Of course, it might be not enough for you but the sum seems to be impressive when you sum up. And you even didn’t go to the office!

2. Negotiations

Negotiators are neutral people who try to make peace between different sides in the court or during negotiations. They keep their neutral position and don’t take one or another side. You don’t even need a certificate to take part in negotiations. You take about $ 80- $ 100 per hour, but prices much depend on your experience and knowledge. Where to start? Try to contact to American Arbitral Association.

Two people giving a fist bump

 

  1. Answering Service

If you have a sweet voice and good communication skills, you may try yourself in the answering service. You can do it by phone from your home. It depends on what sphere you are expert at. One way or another telephone answering service usually takes about $200 monthly from every new client. Count! Also, you need to spend some money to start business.

  1. First Aid Boxes

Medical products are very popular for business because they are always in high demand. First aid boxes are good for schools and other organizations that MUST HAVE such a box in daily use. You need to buy all components from the wholesale dealers and mix them up. Ready-to-use box costs about $ 10 – $ 150 depending on your local market.

  1. Bookkeeping

This work is good for you only if you have some professional experience in this sphere. That’s so great to work from home! If you are a well-trained accountant, you have good chances to make good money. Such a freelance work is very helpful for small businesses. They badly need a bookkeeper but they don’t want to spend much money for it. So, it will be enough for you to have about $30 000 per year.

Money Count
  1. Hairstylist

Of course, this profession is good only if you already have experience in cutting hair or manicures. So, you have a good chance to start your own business in this sphere. Just don’t forget to check your state’s requirements for providing salon care at home. What about money? You can make about $20 500 per year.

  1. Copywriting

Copywriting is good if you are good in writing. You can write materials for businesses, websites, promotions, newsletters, mails. Be attentive! You have to be a good writer so that you can do your writing task in the best way. The salary you can get is about $50 000 per year.

  1. Translation

Translation business is good only if you are good in languages. It’s so simple to translate documents from home. You don’t need even go to somewhere. Work online! You can get about $40 000 per year. Nevertheless, much depends on your professional skills here.

Young woman sketching at work / Junge Frau bei der Arbeit skizzieren

 

  1. Blogging

Blogging can be rather profitable business if you are active and have something to share. Also, if you like talking, sharing your ideas, this job is right for you. By the way, the niche blogs are still growing. There are no limits if you have something to say. Try to be interesting and positive.

The most important investment from your side is your time. It is not a secret that starting a new business is always money-taking. Also, your business takes your time and energy. If you like what you do, you’ll be satisfied from every small detail. That’s why it is really important to think twice and implement your ideal into life even from home.

The Pillars of an Exceptional Coworking Space

If you are looking for office rental space in Dallas, TX, you might end up being frustrated with the expensive prices! Luckily, there is an alternative if you want to save – a coworking space. But, with too many options available, which space is best for you? Read on and we will briefly tackle some of the things that will make a coworking space exceptional!

A Welcoming Design

From the moment you set foot in the coworking space, you must feel welcomed. Otherwise, you might end up being unproductive when you start to work. In recent years, hospitality in coworking spaces has been given a higher degree of importance by the providers, such as Common Desk. Meaning, they have been more proactive in thinking of ways to make their places more accommodating, which will help them to attract more clients.

A Strategic Location

The coworking space will be your office. Therefore, it should be in a location that is accessible and safe. If it is too far from where you live, you will end up wasting a lot of your time commuting or traveling. Also, if it is in a central location, your clients will be happy since it is a place they can easily visit when they need to meet you. A central location might be quite expensive, but it is sure to be worth your money.

A Social Environment

In one article from Forbes, the author asserted that coworking’s social aspect has been a big draw to its clients. People are inspired, and they tend to become more creative when they are surrounded by others. A good coworking space should be socially exciting. This will make the work less stressful. Plus, it also provides more opportunities for networking. It should be a place not only where work is done, but also where you can make friends.

An Opportunity to Grow

A lot of coworking spaces these days are actively organizing programs and events that can help their tenants grow in their professions. They provide workshops that are meant to mentor those who have yet to learn in their chosen fields. Choose a coworking space that is known for their initiatives in helping other people grow.

An Affordable Price

The main reason why people go to coworking spaces instead of traditional offices is the fact that it is cheaper. Therefore, find a place that offers prices that are easy on the wallet. They should have different plans that are available, such as daily, weekly, and monthly. Nonetheless, never trade quality for cost!

A Fast Internet

This is one thing that you should not ignore when choosing a coworking space, especially when your line of work requires you to be online most of the time. It can be frustrating to work in a place where the internet is slow! You can get more things done in a short span of time if your internet speed is blazing fast!

In sum, if you are looking for an exceptional coworking space, make sure that it ticks all the right boxes, including the things that have been mentioned above.

6 Benefits of Having a Digital Receptionist

With the use of a digital receptionist software such as Greetly, visitor registration and issuance of visitor badges can now be automated. A human front desk assistant is no longer necessary. If you are not yet convinced that a digital receptionist will be good for the business, keep on reading as we list down some of its most significant benefits.

  1. Save Money

Amongst the many cost-cutting measures that can be implemented in an office, one of the most promising would be using a digital receptionist as a replacement to a human receptionist. In the long-run, you will be able to save a lot of money since you no longer need to employ a full-time employee just so there will be someone to be on the front desk.

  1. Improve Availability

With a digital receptionist, availability will not be an issue. This means that there will always be someone available at the front desk to handle the arrival of guests. To add, depending on the scope of the software, it is also possible to set up an automatic answering feature, making sure that no calls will be missed, even during outside of office hours.

  1. Speed Up the Process

Using a visitor registration software like www.greetly.com is also beneficial in terms of making sure that visitors won’t have to wait for a long time. One of the reasons for this is because they can already pre-register beforehand. To add, because the process is automated, it will be significantly quicker compared to signing in a logbook.

  1. Instant Notifications

After a visitor logs in through the software, the contact person will be immediately notified. This can be done in the form of voice, text, or email. Therefore, if you are the person to be visited, you will already know that there is someone in the lobby waiting for you. This gives you the time to prepare and to manage your own schedule.

  1. Customization

This is one thing that will depend on your personal choice of a digital receptionist to use in the front office. Generally, however, it offers a high degree of customization. You can have it personalized based on the interface that visitors will find easy to use. You can also customize the visitor badges to help identify the guests who are present in the office.

  1. Ease of Use

Again, this will be dependent on the software that you will be using. However, it would be safe to say that digital receptionists are easy to set up. Often, they might take only about ten minutes to get ready. Even the users of the system – your office visitors – will not have a hard time figuring out how the system works as there is a user-friendly interface.

Now that we have tackled the benefits of having a digital receptionist, there is no excuse to not have one! It is one of the technologies that can significantly improve the front office and provide guests with a better experience.

3 Year Cosmetic Surgery Business Plan

Becoming a doctor or cosmetic surgery is one of the hardest things to master, and while your educational history will train you to work under pressure, with skill and knowledge to help every choice, it doesn’t help your business acumen.

 

It can become a worry when you open the doors to a new surgery business, and there are a significant amount of empty beds and a lack of consultations. Sadly, being the best in your trade isn’t always enough to fill the books with enquiries and creating a business plan is a necessity. To give you a brief idea on what your plan needs to consist of, here’s a look at three years and what changes you need to make.

 

Year One: Build

The first few months will be the toughest, and it’s about creating trust with clients and potential partners. You’ll always need to ask patients if they are comfortable showcasing your work, which isn’t always the easiest task for a breast augmentation Manchester surgery as some people won’t be comfortable with being on the website or in a portfolio.

 

Advertising is the other option and if you find that you don’t have a rich portfolio yet, the digital market might be the breast approach. Building your website up on google searches and paying for social media ads prove to be the most effective as you can target people interested in cosmetic surgery. Having a billboard or a magazine section might work for big companies, but the ad can be wasted of people who aren’t interested at all.

 

Year Two: Develop

If you’ve gained traction and had people in the door for consultations and operations, you can begin to offer referral discounts and spread through word of mouth. You want your clients to go out and praise the work you’ve done, as when it comes to something as expensive or personal as surgery, a friends recommendation can’t be bought.

 

Consider adding extra services to your business, if you specialise in certain aspects of cosmetic surgery, through training or hiring new staff you can add new specialities to your practice, which in turn will attract additional clients and possible return business.

 

Year Three: Branch Out

While the first two years of the plan will be locally based, branching out around the country can work well for surgery practices. Plastic surgery is something a person would travel across the country for in order to receive the best service, so if you find your expansion needs a next level this is the way to go. Just be sure that you can control any influx of inquiries that can come from going nationwide.

 

A business plan is never set in stone, and you might find that the second part of your plan doesn’t take exactly a year, it’s best to use this as a guideline to give you a positive direction to strive for.

 

 

Amelia Morgan is a freelance writer with a current interest in surgery and it’s impacts before and after of a patient and is based locally to a cosmetic surgery Manchester practice. Amelia also enjoys blogging about the latest fashion trends and current news.

4 Golden Rules to Choosing the Right Online Business Opportunity

When deciding to start an online business, it’s important to have the right idea, and no matter how brilliant this idea is, keep in mind that it wouldn’t work without patience and a proper plan. Establishing an online business will require you to mount real dedication of time and effort, let alone the requirement of money.

If you are wondering how to choose the right online business opportunity, then you have come to the right place. Here are the four golden rules to finding one. Make sure to keep them all in mind!

#1. What Is Your Start-Up Investment?  

By now you already know that every business needs investments, not only money but also time. You must ask yourself how much you’re willing to move forward with for the overall start-up costs. This is where you need to determine how much money you can utilize and invest in your business.

However, you must find the balance – Just because you are starting a business it does not mean you have to skip meals and stop paying bills. Sure, a business cannot grow if it doesn’t have the money to start. However, it is never a good idea to put all eggs in one basket.

#2. What Kind Of Support or Training Is Available? 

This one here is important. Remember that as a new online business owner, you must have resources to learn all ups and downs. It also gives you the ability to enhance your general business skills. It also gives you the ability to enhance your general business skills. There is nothing wrong about enrolling in classes or constantly looking for support. Doing any of these does not mean you are incapable of running your online business.

For instance, you want to have knowledge about various online marketing platforms. In one way or another, you chanced upon the banner advertising platform Click2sell.co. You firmly believe that this could help your business in some ways. Obviously, you need to learn all about it first, and that’s exactly how you should take things further.         

#3. Do You Think Compensation Can Wait?

At the end of the day, your business – no matter how small or big it is – will have to make money. It’s crucial that you understand how money affects your online business’s primary stage. Ask yourself this: “Am I willing to see the fruits of my labor or am I just after for the quick financial reward?”

Regardless of your answer, the key is to always set realistic goals. If you think your budget is going to prevent you from achieving measurable returns, then perhaps it is not the best time to start your venture. Pull back for now and plan your next move.

#4. Do You Believe In Your Online Business?

Let’s say you are leaning towards a product-oriented business. Do you actually like the products you are selling? Do you believe your products are of high-quality? If you think otherwise, then there is no sense moving forward. If you do not believe in your business, no one else will. The same thing can be said for service-oriented business. You must believe in the services you’re offering and that it could benefit others.

Moving Towards the End of World Hunger

A man has two faces: one when he is hungry and the other when he is well fed. In any case, it is the circumstances of his life that truly determine which face comes forward and which does not. A man who hasn’t had a proper meal in over one whole week is bound to not only visibly look ill, but he will also appear to be mentally unstable as a result of the empty stomach. This is because our body needs an adequate amount of food and water daily in order for it to function normally.

Failure to meet the daily supply of food or water can lead to severe health concerns, such as infuriation, uncontrollable rage, anxiety, malnourishment, dehydration and liver problems, to name a few. People who do not consume healthy vitamins, proteins and a decent amount of food are likely to develop a fragile immune system, which is the gateway to all other diseases and problems related to sleep.

What Do the Statistics Show?

Hunger and poverty go hand in hand. It is unlikely that a person who is not living in extreme poverty would make themselves starve or not be able to eat at least one proper meal a day. These are basic needs, without these, a person cannot enjoy a life that is good quality or even can focus on essential tasks throughout the day, no matter how simple these may be.

Statistically speaking, there are about 900 million people in the world today who are living in extreme poverty and are forced to go to sleep every night with empty stomachs and barely any water to get by. Although the numbers are still depressing, to say the least, there has, in fact, been an improvement over the years in the number of people that are living in extreme poverty. In 1999, the figures were at 1.75 billion, where are today, they are much lower.

The United Nations, however, has large plans for the future in this regard and plans to bring world hunger to an absolute zero – meaning that there will not be extreme poverty or world hunger by 2030. Although this seems unlikely to many, companies along the lines of BraineHealth AB are quick to acknowledge that these goals can be achieved as long as there is moral support.

BraineHealth AB is a company that was founded by a group of geniuses, who have since devoted their lives to ensure that the world is a happy place for all. At BraineHealth, the team of experts is professionally trained to research newer and better technological advancements that can help bring the change that this world needs.

There are plenty of other companies that are actively working with the United Nations to help bring about a change by helping complete the agenda set for 2030. The speed at which everything is improving now is impressive, and with enough support, it would be possible to achieve this goal.

The Working Student’s Guide to College Costs and Budgeting

As a student, budgeting is essential if you want to make college a lot more affordable. However, more often than not, many students fail to set a budget beforehand. In a 2016 study, 43 percent of students say that they don’t track their spending habits, while a staggering 58 per cent say that they aren’t saving cash each month. As a result, it doesn’t come as a surprise anymore that 7 out of 10 students are stressed, when it comes to their financial security.

Why Do You Need to Budget?

While managing your cash flow and budgeting may be the last things that are on your mind, especially if you have a term paper to finish, or you’re studying for an unexpected exam, it is vital. By having a budgeting plan early on, you’ll likely develop healthy financial habits in the future.

 

The Budgeting Basics

Know Your Cash Flow

The first step in the overall cash flow process is first getting an overview of your present finances. It’s crucial because if you don’t have a clear picture if where you financially stand today, how can you expect to achieve your financial goals of surviving college?

So before you buy an expensive concert ticket or a gadget, take time to assess if you can afford it. You have to come up with a concrete game plan so that you can pay your way through college.

You can do this calculating your assets and liabilities, your income (if you have). You also need to understand where you are spending your money. So, let’s say you’re sending $350 for groceries each month. But what would happen if you spend $300? Would you be eating less, at that state? Chances are, you won’t even notice. Or instead of eating one every weekend, what if you plan to go every other weekend?

Focus on what you need, instead of what you want. If you start making these little sacrifices, you’d be surprised how much you can save every month.

Anticipate College Expenses

As any valuable step in making a budget plan, you need to determine your expenses. When you map out a budget, it’s crucial to determine which costs will be covered by your parent or guardian. Then, subtract it from your total monthly expenses.

Here are the most common expenses you’re expected to pay for during college:

  • Housing
  • Books
  • Utilities
  • Transportation
  • Savings

Also, if you want to go in-depth on how much college could cost you, check out this college cost calculator for additional computations on yearly attendance, possible scholarships, and loans that you may incur during your college years.

Track Your Spending

The next thing that you should do is to track the average amount of cash that you send each month. Review your bank accounts, credit cards, and debit card. See where your money is going for the last couple of months, and where are the more expensive items coming from. Once you have a good idea where you’re spending your money on, it would surprise you that a lot of things there are non-essentials.

Automate Money Management

You’d be surprised that there are a lot of online tools and apps that are available for you to utilize once your prioritize your spending. These tools will make it more convenient for you to track your spending habits. As a result, it will be easier for you to map out a budget plan to monitor your spending. These apps would usually already categorize your budget in different categories. Then, it would alert you if a particular category is close to exceeding its specified limit.

Also, the Department of Education’s federal student aid office also provides essential resources on budgeting that’s ideal for college students. Another tip is to separate your finances into two accounts ‒ one for fixed expenses, another for variable costs. That way, you won’t be tempted to spend your money on fixed expenses like your monthly bills, rent or car insurance.

On the circumstance that you need extra cash for a night out, then you can spend the money that you’ve set aside for variable resources or the credit card that’s linked to your variable money. Managing your cash by automating is a simple, but an efficient concept that you can take advantage of.

Look for Ways to Save Money

If your monthly income exceeds your total expenses, then it’s a good time to cut back. There’s no doubt that cutting back is hard ‒ this might require you to give up on indulgences like eating out with your friends every weekend, or going to your dream getaway this summer. Saving and cutting back takes a lot of commitment, but you’d be quite surprised that saving opportunities exist virtually, everywhere. The important thing is for you to be aware of it, should an opportunity present itself.

For instance, before deciding to buy a brand-new car, ask yourself first if you’ll be able to afford it. Buying a car can be expensive, especially if you’re a young adult with a lower income. Not to mention, other miscellaneous expenses of having a car can add up quickly, such as tires, brakes, gas, and oil change.

The Bottom Line

Here’s the thing ‒ while it’s hard to create a budget, it’s even harder to live with the budget you’ve set for yourself. There will be times that you might need to take a small break from trying to pinch pennies. However, one month without having a clear budget in mind can quickly send you to the wrong direction, and you’d be surprised how much everything can add up.

If you don’t learn how to budget as early as now, you’ll likely end up being in debt, by borrowing too much for school. Once you graduate, you might have a hard time paying off these debts, as well as manage your finances properly to pay off those loans.

Meanwhile, if you proactively shape your financial life as early as now, you’ll be off having a fresh start by the time you graduate. Taking control of your finances now can be quite challenging, but once you start a strict budget for yourself and stick with it, you’ll soon be moving forward to the right direction.