It has been a scorcher of a summer, with many places in the UK and Europe experiencing record-shattering heat. But summer is finally and mercifully drawing to a close and before you know it Christmas will be here. Yes, Christmas. With the weather still on the warm side you may feel it’s entirely too early to start thinking about that, but it is never too early. And for families who are facing financial difficulties, particularly those that have small children (with all of their childish expectations), it’s especially important to start planning for Christmas now.
Actually some experts advise planning for Christmas at the beginning of the year, immediately after the holiday season. Granted, many people are in a financial squeeze at that time and have no desire to look ahead to yet another spending spree. But if you start planning early and plan smart, you’re much less likely to get yourself mired in holiday debt. And spreading the cost of Christmas across the entire year instead of over a few weeks puts much less of a strain on your finances.
But we’re long past January now. No worries, you still time to plan and save. Start by making a budget, even if the prospect seems distasteful to you. Then make a commitment to stick to it. Your budget should be based upon what you can realistically afford without skimping on necessities in order to fund the holidays – and without going too deeply into debt. Give yourself a little bit of slack but don’t go too far over budget or you will have defeated your purpose.
Conveyancing a property, especially if it’s your first time, can seem very daunting – and it
definitely can be, why it’s always a good idea to hire a lawyer or licenced conveyancer to take care of
deciphering all the legal jargon and make sure all of the documentation is in order. The last
thing you want is a problem in the wording of a contract causing issues on your hand-over
While you might not know the ins and outs of conveyancing, there are a few things you
can do to make sure everything goes to plan on your big day.
Every year, mobile technology gets more exciting and more amazing. We’ve already come such a long way since the massive mobile phones of the ‘80s! Now, there’s an app for just about anything you could want your phone or tablet to do. As well as enriching our personal and social lives, advancements in mobile technology have also unlocked new possibilities for businesses and professionals – from networking via the LinkedIn app to taking part in conference calls from the convenience of home.
But it’s one thing for your company to simply have access to this technology… it’s another, vastly superior thing to be taking full advantage of these wonders. Below are some tips for how to make the most out of these excellent devices.
1. The Best Devices
If you had the latest, greatest devices six months ago, there’s a fair chance you no longer do now! To ensure your workforce is at the top of their game, it’s a good idea to regularly check that they have the best mobile devices available. If you’re not sure if this is the case, a company that specialises in mobile technology, like Com2, can quickly determine this for you and then work out the best modern devices for your company.
After a brief period following the housing boom which ended in 2007, property prices appear to be on the rise once again. The average house price in many parts of the UK is over £200,000 which makes home-ownership something people on modest incomes can only dream of. To try and remedy this, a scheme launched by the government could make buying a home a little less unaffordable.
Help to Buy, launched earlier this year by the coalition government, was designed to try and give both first-time buyers and property developers a much-needed boost. The scheme, part of which has already been rolled out, could be a success, but concerns voiced by the likes of Vince Cable might help to undermine how effective it becomes.
It’s a well-known fact that energy is one of the hottest topics of discussion right now. Many politicians, business owners and industry analysts wonder about the future of the UK’s energy supply, whether renewable energy will become the norm and if the current trend of rising costs for gas and electricity will continue to prevail.
Businesses and households are among those affected most adversely by rising energy costs. Some of the UK’s biggest energy suppliers including Centrica, the owner of British Gas, have hiked their priced up astronomically, much to the dismay of their customers. It’s likely that prices may rise even higher in the next few years, but why?
Communication – we would all be lost without it. From exchanging pleasantries with your next door neighbor to holding a high-powered meeting with your company’s most lucrative client, it’s good to talk; but face-to-face communication isn’t possible all the time, especially if the people or organisations you want to be in touch with are on the other side of the world.
Technology to the rescue?
In situations where meeting someone in person is rendered impossible because of time constraints, or because you or they lack the means to get to them, technology could help. In the past, a simple phone call was the next best thing; but in the past few years, the growth of video conferencing technology has proved to be a lifesaver for businesses and public sector organisations.