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The main reason a lot of businesses fail is that they have a poor cash flow situation. While being a student is not the same as running a business, there are many ways in which the financial management of both overlap. You may start your university year with plenty of money in your pocket, but [...]



These days, you don’t have to spend a lot of money to take a course at a local college or university because you can instead opt to take one of the many online courses that are available. Both brick-and-mortar colleges, as well as schools that are totally online, offer courses on a wide range of [...]


save money

There is often huge disparity when it comes to salary levels and many of us, from retail and food service workers to a fair percentage of public sector workers, all have to budget to make the most of their income. There are some ways to boost your salary, such as signing up for teacher recertification [...]



The issues hindering small businesses today are well known. But the most common of these, business experts say, are cash flow issues, usually related to unforeseen bills and inefficient employees. Both increase your operating costs and divert valuable resources away from helping you grow your company, thus making them fatal to many firms. Fortunately, there [...]


Budgeting for Savings Can Help You Avoid Debt

Are you living from paycheck to paycheck trying to keep up with bills, living expenses, and debt repayments each month? Perhaps you’re trying to save money for that dream vacation or a deposit on a home? No matter what your financial goal is, it’s always possible to master your money and achieve the things you [...]


Business in Budget

So many businesses have watched their budget spiral out of control. So many, in fact, that being in a perpetual state of debt almost seems like a normal state. There isn’t a country in the world that doesn’t owe money to the International Monetary Fund (IMF) – so what chance does your SME have? While [...]



Are you nearing retirement, but fearful that you’re not financially ready? Though time may be of the essence, there are still ways you can prepare yourself to enjoy the next 30 years of your life. If your savings and income sources are going to last you that long, you’ll need to plan, budget, increase your [...]


What you can do to rid yourself of Zombie debt

How’s that New Year’s Resolution working out for ya? Have you made any progress on your finances? Many people make lofty goals, but never follow through on them. For some, they get stuck – finances are hard and they’re afraid of making mistakes. For others, it’s laziness. Here’s how to buckle down and make something [...]


Veterinary Care Financing Options

Everyone would like to have more savings, but saving up is not always easy. Sometimes it can seem almost impossible to save money for life’s unexpected situations that you do not budget for. It may seem difficult, but it is not impossible—and saving can be so useful that everyone should do it. Here is some [...]


HVAC Maintenance

The days of taking your special key to the cupboard outside and reading your meter once every few months, are well and truly numbered. Many of us are much smarter consumers these days and that is why we regularly check for the best deals on sites like Gocompare.com and it is also a reason why [...]


kitchen appliance

Appliances are expensive. And, if you don’t have to replace them, you shouldn’t. At the the same time, everything has its end. Here’s how to extend your appliance’s. Getting More Out Of Your Dishwasher Dishwashers are really convenient, but they’ve also become a necessity in some homes. They use less water than washing by hand, [...]


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