Diane Bartlett | Chateaux Isere Finance

Bad Financial Habits to Get Rid of for a Better Future

15 Jun 2022 Diane Bartlett

We all have them. Bad financial habits that we know we should get rid of but somehow can’t seem to break. Maybe it’s spending too much money on unnecessary things or not saving enough for retirement. Instead, try to spring clean your finances with these tips at https://www.atidymind.co.uk/3-ways-you-can-spring-clean-your-finances-this-year/. Whatever your bad habit may be, it’s essential to get rid of it if you want a bright financial future. This blog post will give you insight into some of the most common bad financial habits and how to break them.

Impulse Buying

One of the most common bad financial habits is impulse buying. It is when you buy something on a whim, without thinking about it or considering whether you can afford it. Impulse buying can lead to serious debt if you’re not careful. The best way to avoid impulse buying is to plan your purchases in advance. Make a list of the things you need and stick to it when shopping. If you see something you want but isn’t on your list, resist the urge to buy it and wait a few days. If you still want it after that, then you can go ahead and purchase it.

Skipping a Savings Plan

Another bad financial habit is skipping a savings plan. Many people think they don’t need to save money because they’re not planning on retiring anytime soon. However, this couldn’t be further from the truth. It’s essential to start saving for retirement as early as possible. The sooner you start, the more time your money has to grow. Many different retirement savings plans are available, so there’s no excuse not to create one. If you’re unsure where to begin, talk to your financial advisor for guidance.

Neglecting Your Debts

If you have debt, it’s essential to pay it off as soon as possible. Neglecting your debts will only make them worse. The longer you wait to pay them off, the more interest you’ll accrue, and the harder it will be to get out of debt. If you’re struggling to make your payments, talk to your creditors and see if you can work out a payment plan. There are also many debt consolidation loans available to help you get out of debt faster.

Not Automating Your Finances

Apart from those, the other common bad financial habit is not automating your finances. It can lead to missed payments, late fees, and stress. Instead, set up automatic payments for all of your bills. That way, you’ll never have to worry about forgetting to pay a bill again. You can also automate your savings so that money is automatically transferred into your monthly savings account. Automating your finances is a great way to stay on top of your finances and avoid costly mistakes.

Breaking bad financial habits is not easy, but it’s possible. It takes time, effort, and discipline. But if you’re willing to do the work, you’ll be on your way to a bright financial future. What are some of the most common bad financial habits? Share in the comments below.

27Nov

Tips for Safely Buying and Storing Gold

27 Nov 2021 Diane Bartlett

Buying gold is a smart decision for many investors because it has historically been one of the most stable investments. Gold prices have fluctuated over time, but they are always in a range that makes them a safe investment option.

There are several ways to buy and store gold, depending on your needs and preferences. But one of the best things that you can do is to work with legit dealers. You can read about birch gold group and find out how they can help you with your venture.

In this article, we will discuss some tips for safely buying and storing gold so you can protect your financial future.

Understand the Different Types of Gold

There are three different types of gold. These include bars, coins, and jewelry. Bars can come in a variety of sizes depending on the manufacturer you choose to purchase from. Coins have an old age value that many people prefer for their collection purposes and their higher quality over other forms of gold due to being mined less often than bars.

Gold coins can be issued by both governments and private sources, though they are issued by the government more often than not.

Find a Reputable Dealer

When searching for a reputable dealer, you will want to look at the rates they offer. If you are looking to buy large quantities of gold, then it is recommended that you shop around as some dealers have lower prices than others do.

Make sure that your chosen dealer is someone who has been in business for many years and has a solid track record. You do not want to be buying gold from someone new to the industry, as they are more likely to try and scam you. Use common sense when choosing your dealer. If their rates seem too good to be true, then it just might be that way!

Know What Your Budget Is

If you are looking into buying any amount of gold, then make sure that your budget is set before purchasing. A safe rule of thumb for this investment would be to save about ten percent of whatever money you have saved up and use it as a means to invest in gold. You can always purchase more than one type if needed, but this should be a good starting point.

Inspect It Firsthand

If you plan to buy your gold straight from the dealer, make sure that you inspect it firsthand. Do not buy anything until you have inspected it and can verify its quality as well as any markings or stamps of authenticity.

Keep Some of Your Gold at Home

If you are planning on purchasing gold, then it is recommended that you have some of this valuable asset at home. This way, if the economy takes a turn for the worse, or there are riots in your city due to civil unrest, then having access to bartering chips will help ensure that your family stays safe and has food on the table.

Gold has been an investment vehicle for centuries and continues to be a popular choice because it is rare, durable, and easily tradable. However, there are many different types of gold available on the market today with varying levels of quality that will affect its financial value. It is essential to know what you want before buying any type of gold so that you can find reputable dealers who offer this service or buy from sellers online.

Setting your budget in advance will help ensure you don’t overspend when shopping online while also helping protect against impulse buys which often result in regretting these purchases later on down the road. Take good care of your investment by following these tips!

10Feb

Simple Guide to Emergency Loans

10 Feb 2021 Diane Bartlett Leave a comment

If you are currently having an issue and need some dollars to solve this issue, you should consider getting an emergency loan. There are many types of emergency loans that you can borrow for your need. You can learn about the types of emergency loans at InsightsSuccess. There may be another type of emergency in your finance, such as underestimating the budget for something, overestimating your profit, or losing your job, etc. All these issues can be fixed by getting emergency loans. Now, let’s learn further about emergency loans.

Facts About Emergency Loans

The emergency loan does not affect your credit scores. However, your personal guarantee is crucial when making it. Approval of a distressing emergency loan takes as little as a day. Once accepted, the principal is transferred within 1-8 business days. Unlike bank loans, your credit history is not required when applying for a secured emergency loan. There is a score threshold that you must meet to qualify for a distressed business loan.

Types of Emergency Loans

To get the proper emergency loans, you should consider your need. There are several types of emergency loans that are suitable for different needs. For example, you can get a car title loan if you need to fix your car after an accident or buy a new car. The second type of emergency loan is the pawnshop loan. This loan works as the lender will give you some cash depending on the value of the item you let them keep. You can get back your item once you pay back the loan.

The Best Alternative to Emergency Loans

Sometimes emergency loans can include a high-interest rate on business loans compared to loans provided by a financial institution. It may lead you to look for other alternatives to get cash to survive under challenging circumstances in life or case of any other emergency. The best alternative to an emergency loan is your line of credit. If you happen to know the bank that handles your small business account well or have a fantastic connection with them, it is possible to apply for a credit line. While this is not directly accepting a loan, it can help fund future emergencies for your company at a lower rate of interest than emergency business loan providers.

Conclusion

It is a known fact that emergency money lenders are certainly inclined to charge a higher curiosity rate if no one else is willing to provide such an emergency business loan. And this is something you don’t need right now, when your business may already be struggling to succeed. You should opt for this loan only if you are confident enough. Moreover, you will create enough income to repay the lender on time. If your business is sophisticated and you have a good track record of getting into the lender, then getting a crisis loan will not be as difficult as it might be otherwise.

28Sep

Three Great Ways to Avoid Being Broke

28 Sep 2019 Diane Bartlett

As we now live in a fast-paced world, people have to work double-time so as to earn more money. Some decide to put up their own companies because they want to be their own boss, while some, who works for corporations, strive harder so they will get promoted and grow in that particular organization.

However, as the number of millionaires and people who have achieved financial independence grows, so is the number of individuals who are still living paycheck to paycheck. There are even people who can’t even make ends meet because they have too many debts and obligations.

So how can you avoid being broke? Here are some useful tips that can help you become financially stable:

Avoid Things that You Cannot Afford

Many people are broke because they spend beyond their means. This is the number one reason why millions of people across the globe are struggling. Therefore, if you don’t want to be part of this category, you should watch your spending habits.

First, take a look at your monthly earnings, and then make a list of the basic necessities of your family, such as rent, car payment, insurance, tuition fees, and food allowance. After deducting all of these from your household income, see if there is anything left. If there is, then you should start setting aside some money to put into savings.

After all is said and done, and you still have money left, then that’s the time you can buy a little something for yourself as a reward.

Limit the Use of Your Credit Card

It is nice to shop using your credit card. You simply have to swipe it with every single purchase that you make. But once you receive the bill, that is when you come into your senses, and ask yourself why you have spent so much. If you can’t pay the total amount due, the interest will start to pile up, and this is when the burden begins.

It is not bad to use a credit card as long as you know how to discipline yourself. The same way when taking a personal loan. Like what we have mentioned above, do not buy something that you cannot really avoid.

Increase Your Income

If you know for a fact that your monthly income hardly makes end meet, then you should think of a way on how to increase it. Maybe you should take a second job. Or, you can also make investments. But if you do this, you must be very careful where you are putting your money into.

30Jun

Advantages Of Computer Science Opportunity Fair

30 Jun 2017 Diane Bartlett

The Computer Science opportunity fair is held from time to time o sensitize the various stakeholders of the roles that they are expected to play in the field. There are numerous career opportunities in Computer Science that need to be explored more. The opportunity fairs, therefore, open a window of opportunity whereby various individuals can seize the opportunity and explore this field of computer science. The computer fair is usually an exciting event. Let us explore some of the benefits of the computer science opportunity fair;

Solving problems and improving solution

Technology not only helps us in solving problems but also in developing solutions. The world is constantly looking for various ways of doing things better and faster. The Computer Scientists have been at the forefront of this thanks to their innovations. Some of the innovations have come as a result of the opportunity fair. Most of the systems that are used for various issues require maintenance and fixing. There are some that can be created from zero.

Protecting organizations and people

Every business – no matter the size usually leaves a digital footprint; this alone tells us that there is a need for digital protection. For instance, individuals who make online purchases have to ensure that the information that they enter online is secure. The computer science fair has opened lots of opportunities to these realities. Many companies and individuals have responded to the call made during these shows by developing a service that can safeguard the organization from fraud as a result of leaving their digital footprint behind.

Improving communication

The computer science exhibition has also helped us improve on communication. Right now it is possible to send emails, texts, and videos to individuals who are thousands of miles away. Many computer programmers are developing applications on a daily basis to help us with our communication.
Without the programming experts who usually attend these fairs, the world would be experiencing the slowest methods of communication like the snail-mail correspondence. Social networking has also brought people together. Most of the ideas of the developers are usually birthed during the exhibitions.

Create network

The computer science fairs help the various computing personnel to create a network between themselves. The system created has been used to come up with a solution that has created a significant impact in the world. Different computer programmers that are experienced in a particular field have been able to combine their various skills to solve a complex program.

15Jun

Steps To Getting Most Out Of Job Fairs

15 Jun 2017 Diane Bartlett

The majority of job seekers usually overlook job fairs. This is because they can be busy, confusing, competitive, and crowded events. However, they provide you with an opportunity to find potential employers within one place. Moreover, they can assist you to get a job. The following are some of the things to help you get most of the job fairs.

Preparing for job fairs

Do advance research

Your aim is to target the most promising companies at the upcoming job fairs. It is your duty to find out who such employers are and what they can offer. For instance, if there are airport jobs then you should research and know how much employees in your level earn. In most cases, advertisement and promotional materials for job fairs do list participating employers and the types of open vacancies. When you know a lot of the companies hiring than other job seekers, you are in a better position to get a job.

Bring enough resumes

You should come with at least 25 copies of your CV. If it is a large event, you should come with more.

Be ready to fill out applications

The majority of companies may not accept your resume unless an application accompanies it. You should come with a pen and sheet to record information, which you need to fill out your application forms. It is great than having to take applications home.

Be ready for interviews

A good number of companies do short, on-the-sport interviews during job fairs. Thus, you need to be ready for an interview. You should talk about your great selling points, skills, and assets that you can take to the company. Carrying out research as recommended above will help you have answers, which meet your company’s needs. When the interview is wrapping up, you should inquire the following steps.

Keep track

You need to follow up with the companies that you submitted reviews. Also, collect business cards and come up with a list of companies. It is also advisable to make notes about the conversations you had with the representatives or the topics, which were discussed during the interview.

Send thank-you letters

You should send thank you letters within 48 hours to every company you spoke with it. It does not matter whether there was no interview when doing so, you will stand out among the several job seekers.