How Modernizing Your #Finances Will Improve Your Client Relations

As you consider your business relationships, it is imperative to strive to keep the client, or customer happy with their experiences when interacting with your company. Making the payment process streamlined is an important attribute of any successful company. Technology is quickly changing and can be overwhelming. Certainly, you want to always utilize consummate professionals at every level of your financial process.

Finding these professionals may not always be easy, however it is critical. 

The Best New Payment Technology

Outsourcing: In order to simplify the process of faster payments for your clients, evaluate which portions of your financial process can be outsourced to qualified professionals. This is how you can always ensure that your company remains on the cutting edge of technology. Outsourcing items such as payroll or payment processing comes with the benefit of removing one or several time-consuming tasks from your agenda. Since these venues are in the business of ensuring your business runs efficiently they will excel. 

NFC Based Mobile Payments: Near Field Communicator has been on the market for a few years now and allowing your customer base to utilize this payment method can only be a good thing for your bottom line. The technology involves two devices (i.e a smart phone and a terminal with an embedded NFC chip) to communicate with each other.

If you haven't used the technology yourself, you have probably seen it at checkout. Most smart phones are being manufactured with this technology and many stores are on board. Depending upon the type of business you own, it would be a great option to explore. Payments can be made for any type of monetary exchange.  

Faster Payments Technology: You also want to ensure your in house finance process is up to speed so that if you need to make client payments, you can do so in a timely manner without complications. Making electronic payments has been streamlined significantly with the introduction of the faster payments service. Faster payments is a cloud based piece of software which is ideal for making last minute and same day payments. If you want to keep your clients satisfied, this is essential.

Same Day ACH: Allowing your customers to make payments using Same Day ACH will be of benefit to you and to your client. Same Day ACH (Account Clearing House) is what is already in place currently. The mandates have changed and now the clearance time will shorten from 2-3 days to the same day. The changes have started to take effect already to the pre-existing system. The initial phase of the change was implemented in September 2016. This will make finances move quickly and more efficiently. 

QR Code: The barcode system has been around for several years. This is a system that keeps on expanding and becoming better. Scanning methods are less time consuming and literally the method transcends wait times on order processing. Bar codes have been used on smart phones and other applications all in the move toward going completely paperless, and plastic-free. Clients who are allowed to make payments or place orders by scanning a barcode and having money instantly transferred out of their account will undoubtedly enjoy the experience. 

It is clear that payments technology is becoming more and more advanced, and those who don’t keep up with the trends will only fall behind their competitors. Staying up to date and learning about what’s available on the market is crucial.

The bottom line is that your bottom line is contingent upon the success of the relationships you develop and then maintain with your clientele. If you make their lives easier by making how they gain access to your goods and services faster, it will build a stronger relationship.

If you add the secret ingredient of efficiency in the payment transaction you are guaranteed a satisfied customer who is going to want to come back and experience the encounter again and again. Because great customer service is something that is basically lacking worldwide today, they will tell their friends and family about the resource they found.

Business to business works the same way. Your company will gain a reputation for efficiency and the rest is history. 

Phobio-Saving the Planet One Cell Phone at a Time

How many old phones and blackberries do you have stashed in a drawer because your cell store wouldn’t compensate you when it was time for an upgrade? Phobio Safetrade is working to end the stuffed drawer syndrome. 

Safetrade is a device buyback program designed for wireless retailers that handles all aspects of trade-ins seamlessly providing sales representatives with more opportunities to delight their customers, put some money in their pockets too and gain more revenue to grow their business. 

It’s a novel idea really, devices are simply categorized as working or damaged as opposed to multiple condition classifications. You even get some money if the phone is severed in half!

The trend of trade in is on the rise: 
•        80 million smartphones were traded in 2015 with a value of $11 Billion 
•        120 million smartphones were traded in 2016 with a value of $17 billion 

So as it’s Earth Day and we’re all more focused on being less wasteful, Phobio is helping us start with that drawer of phones. 

Should You Consolidate Debts?

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When you find yourself facing debt, it can feel like an uphill battle. There’s so much to do, so many decisions to make, and a serious impact on your lifestyle habits. You’re going to have to change the way you spend and combat the problem once and for all.

Every month, your wage will hit your account. It will then undergo the process of being depleted. Every creditor will get their share, before you have even had the chance to siphon off money to pay your bills and expenses that month. The leftover expenditure, yours to do want you want with, is so small and cannot be topped up by credit card usage anymore. Everything has got to change, from the small to the huge, reevaluating your relationship with money at every turn. It’s going to be a rough ride back to financial solvency, with many changes and lessons you are going to have to learn along the way.

Or are you…?

The Promise Of Consolidation

In theory, the practice of consolidation is a tempting one. You can sweep away all those debts into one pile, bundled neatly into one monthly repayment. It’s simple and easy - it will even free up space on your credit cards.

And you can sweep so much up into it! Not only do your regular payments to credit cards get snapped up, but you can get rid of anything you want into that single monthly payment. You could say goodbye to the student loan hanging over your head, wipe off the store cards, even settle I.O.Us given to friends and family if you see fit.

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Of course, you will tell yourself, you have learned your lesson. The credit cards will be available only in the case of an emergency; you won’t rely on them as a way to top up your wage anymore. They won’t be habit; you’ve gone wrong with that kind of thinking before, and of course, you’re not going to fall into that trap again. They’ll just be useful in the case of an emergency. It’s also going to make a big difference to your life not to have to cope with bad credit; if you go down the consolidation route, most of your credit score will survive unscathed.

It seems like the perfect option; the solution that you have been dreaming of.

Or it could just be the beginning of another nightmare.

Why Consolidation Isn’t The Easy Choice

While consolidation offers many advantages, such as those listed above, nothing in life is that easy.

The biggest problem comes from the fact that you don’t learn much from the process. Everything is swept up and away from you; ironically, the thing that makes consolidation so attractive is its downfall.

If you’re not extremely careful, you could find yourself in five years time looking for more consolidation. The most important part of dealing with debt is learning what got you into the situation in the first place.

Is It Always Bad?

Before we go into detail, it’s worth taking a pause and considering if consolidation is always such a bad idea. In some scenarios, it’s actually the perfect solution without any of the warning signs. Examples of times when consolidation would be beneficial are along the lines of:

• If you have a singular debt, which you can incurred due to circumstances beyond your control. This is the kind of payment you have to make that you can’t plan for. An example would be a friend or relative becoming unwell, and you needing to spend money on flights and accommodation to go and see them. No household budget in the world would have been expecting that kind of event, so it makes sense you relied on debt to get through it.
• The debts are due to a factor that no longer exists. For example, if you took a break from work to improve your education, then it’s natural you will have wracked up some debt in the process. If you are now returning to work and will be bringing more money in, and are confident you can meet the monthly payments, then it makes sense to keep everything in one simple bundle.

The above are examples, but the general rule for consolidation is that it works for single debts or debts that occurred due to a specific circumstance. If that applies to you, then it’s definitely something worth considering.

Where it doesn’t apply is where there is no single debt, no solo purchase, no event that prompted you to rely on credit cards to see you through to the end of the month. This is the kind of spending that tends to be chronic; it becomes a habit, as if the credit cards are an extension of your wage, and you rely on them in much the same way every month.

It’s this kind of habitual spending that is so dangerous for consolidation.

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How Can You Avoid The Risks?

Consolidation can give you a fresh start, but only if you let it.

You have to let consolidation be the end of the line, the point you can’t turn back from. It makes sense to keep a single credit card in case of emergencies, but for everything else - store cards, catalogs, other cards - then they have to bite the dust.

You have to change your spending habits, going as far to investigate their emotional causes and discover what causes you to overspend.

If you just go back to your same old lifestyle, then the same old debt is going to begin to creep up again. The only way to avoid falling back into this pattern is if you see consolidation as the end, not just another way to begin spending again. It is a viable choice that can do a lot of good for your financial life, but only if you commit to it. If you don’t, you’ll likely end up in the same situation all over again.

Being a Landlord Isn't as Easy as You Think

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A lot of people paint the life of a landlord as something approaching luxury and laziness. They imagine that a landlord creates a completely passive income, sitting around at home, not doing much, ignoring phone calls from tenants. This isn’t so: being a landlord is often a busy and complex business. It’s important for tenants to understand this - but it’s especially important for budding landlords to understand this!

We’re going to look at the things you should be considering if you want to make sure people want to rent from you - and, subsequently, what to keep renting from you! Otherwise, you may find that your investment was a bad choice.

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Property problems

A lot of landlords make the mistake of not placing themselves in a prospective tenant’s shoes when they’re looking for a property to buy. You should approach the shopping phase as though you were looking for a house for yourself. That means you shouldn’t just be looking for a place that looks comfortable. You need to think about nearby amenities and neighborhood safety, too. Remember: quality homes attract quality tenants. Make sure it’s a home you wouldn’t mind living in before you starting renting it out and expecting tenants to be pleased with everything.

A good price

Not all landlords charge high rent because they’re greedy. In fact, you’ll find that very few of them do. In reality, most landlords have to charge high rent because, well, they need to at least break even! They need to make sure they’re paying off the costs associated with the place. If you’re looking to become a landlord, then you may wonder how you can keep the rent below extortionate levels while making enough to pay off the expenses.

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For the most part, it’s all about the mortgage. A lot of these landlords got themselves into these situations because they took on mortgage plans with high repayment obligations. If you’ve done the same, you may want to consider looking into mortgage refinance, which allows you to change your mortgage terms. Consult a mortgage refinance calculator to see how feasible it would be for you.

Empathy and communication

Surely you’ve had a landlord at some point in the past, right? No matter what you thought about the landlord as a person, the chances are that you avoided getting in touch with them unless you really needed their assistance with something. This is something landlords should remember: most tenants aren’t whining at you for the sake of it. They really need a problem fixed, and it’s important that you get to it as soon as you can. Keeping an open line of communication for this is vital.

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A bit of empathy and compassion will go a long way here, especially because so many tenants seem to think landlords are cold-blooded leeches. If you’ve got a good tenant, then allow them a little leeway when things go wrong for them. If they’re going to be a day or two late with the rent, be understanding. If they need to let someone stay for a while because of personal problems, be understanding then, too. Tenants will remember these kindnesses, making it much more likely they’ll renew their lease.

"FOMO" And Other Pitfalls That Cause You To Overspend

If you’re a young person, the idea of saving money could seem totally alien. For years, all you’ve done is rack up more and more debt. You’ve got college debt, a mortgage and a bunch of credit card loans.

There’s a strong case that the vast majority of debt you own is the fault of society. After all, it’s not your fault that colleges have jacked up their fees to ridiculous proportions, and it’s not your fault that house prices have skyrocketed. But is there anything you can do?

For young people, working is rarely fun. When you got your first paycheck, your eyes widened at the amount of money being paid into your bank account. But once bills, rent and all the other necessities of living are accounted for, you realized there’s not much left over. What was once an exciting paycheck is now nothing more than a few pitiful pennies you may or may not be able to stuff away at the end of the month. Suffice to say, it’s not the greatest feeling in the world.

It might seem that starting to save money is impossible. But no matter what your situation, there is usually a way. Many of the financial problems that you face aren’t in your direct control. But there are plenty of pitfalls that could be causing you to overspend. Let’s take a look at these one at a time and see whether or not you are in the habit of saving.

You Feel Like You Have To Say “Yes” To Everything

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Going through life being a “yes” person is a bad idea, in general. But it can be particularly harmful to your finances. FOMO - the Fear Of Missing Out - is a real problem. It’s when you’re afraid to say no when invited out by your friends because you don’t want to miss out on experiences. If you’ve got an active social life, you know how expensive it can be. Going out for a meal or drinks isn’t cheap and can end up sucking up the better part of your disposable income. Just remember, it’s okay to say “no” from time to time, especially if you’re trying to save for a house deposit.

You Act On Impulse

FOMO isn’t the only problem facing many people. Another is their idiosyncratic money pitfalls. Some people spend money purely on the basis of their emotions. Other spend hours browsing the internet looking for the latest and greatest tech gadgets, believing that they can only get by if they have the very best. Still, others think that they only way to make themselves look beautiful is to buy the most expensive makeup when, in reality, it makes very little difference which brand they choose.

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It turns out that having an Achilles heel is very common. The key is figuring out what it is, when it strikes and how to address it. For instance, a lot of people are emotional spenders. Just as emotional eater eat when they get upset about something after a rough day at work, emotional spenders spend when things haven’t gone the way they would have liked. They vent that frustration by going to a clothes shop and buying a new dress or treating themselves to an expensive bar of chocolate from Hotel Chocolat. Just spending money, though, won’t make your life easier. In fact, as DebtConsolidationUSA.com/debt-relief points out, it’ll probably just make your debts worse, causing you even more stress. It’s a good idea, therefore, to look for alternative ways to deal with stress, like doing exercise.

You Save Money That’s Easy To Access

Another common problem is telling yourself that you’re saving money when really you’re just putting it into another bank account and have no intention of leaving it there. Putting your money in a savings account works fine, so long as you’re not hit with a major expense. But the moment that you are, the temptation is to dip into your savings, rather than cutting your current consumption.

Usually, it’s not just a one off. Once you’ve dipped into your savings once, it’s easy to make excuses for doing it again. That why, if you are going to save, it’s best to put it in an account or instrument which is difficult to access. For instance, you could put your money into a mutual fund. The good thing about a mutual fund is that you can’t get access to your money until your policy matures. What’s more, since you’re unable to get hold of your money for a while, mutual funds pay higher interest than regular savings accounts, meaning you ultimately get more money.

You Don’t Set Financial Goals

Setting financial goals is an important part of adult life. They’re a way of keeping score and making sure that you’re on the right track. What’s more financial goals can serve as excellent motivation, especially when you’re eyeing up all the things that you want to buy.

When it comes to financial goals, you want them to be ambitious, but you don’t want them to ruin your life. Yes - it would be great to save $1,000 a year. But you also need to set yourself shorter, more achievable goals, like saving $50 from your next paycheck. Doing this will get you into the habit of winning and achieving your goals, motivating you to go further.

You’re Ignoring Retirement

Unless you’ve got freaky genetics and are on an amazing diet, there’s a good chance that by the time you hit sixty-five, you’ll no longer be able to work. It seems like retirement is a long way away, and so you don’t bother saving for it in the here and now, but it could come back to bite you in the future.

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Overspending early on in life is a real phenomenon. It represents a missed opportunity to save for retirement now could mean that your pension income is low. According to Forbes.com, starting to save for retirement when you’re 25 rather than 35 could add thousands of dollars to your retirement nest egg.

Your New Neighborhood Checklist

It's no secret that buying a property is one of the biggest and most important decisions you will make in your life. Property is so much more than merely bricks and mortar - it a huge asset, one that can easily have a lasting impact on your financial future. With that in mind, it's something you want to get right first time, as there is little room for mistakes. But all too often, people rush into a house sale (usually spurred on by the pressure of an ever-shifting market) and end up regretting their decision. A frequent reasoning behind this is that a lot of people view the houses independently of the neighborhood they are buying them in. Families, in particular, have a lot of specific requirements for their properties, and understandably so. If you have children, or if you have plans to expand your family, one thing you are going to need is a lot of room. Even if your kids currently share a bedroom, there will come a time at the start of their teenage years where they will need a little more privacy. So, having more rooms than you may originally have a use for can come in particularly handy in this scenario. Additionally, you may look specifically for a property with a large back yard, so your kids can play outside, or maybe you see some value in an attic conversion. Whatever your specifics are, it is always good to know what you want your dream property to look like. But that doesn't mean to say that you can completely bypass location and neighborhood too. In fact, it could be argued that you should look at the area before you even start looking for a house in that vicinity. The last thing you want is to find your dream home and move in, only to find that the neighborhood is unfriendly, dangerous or simply not to your liking. Here are a few hints and tips on how you can streamline your property search by knowing what to look for in a neighborhood.

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Crime rate

Visiting the internet to look at crime rates is always a tricky one. More often than not, you will come across various forums, all full of people talking about horror stories regarding crimes they were a victim of in any given area. While some of them may be true, it is important to try and remain reasonably impartial. Everywhere has good and bad in it, and people can often get easily carried away writing things online if they had a bad experience. Try and stay away from these types of websites and instead visit the archives of local police departments, which can give you a more factual viewpoint. Bear in mind that the types of crime will differ depending on how developed the area is. For example, if the place you have in mind is a relatively wealthy neighborhood, burglaries may be more common, but gun crime may be somewhat low. If you are still in any doubt, visit the neighborhood yourself in person at various times of day, and judge how safe you and your family would feel there.

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How walk able it is

Virtually every modern-day family has a car. It makes our lives a whole lot easier and allows us to get from A to B with minimal hassle on a daily basis. However, before you move somewhere new, you may also want to consider how comfortable the place is to access by foot. For example, if your children could walk to school, rather than you having to sit in early morning traffic with them for hours on end, that could be a huge benefit to your daily routine. It can also be incredibly useful to have a nearby store and a few restaurants all within walking distance of your home, so you don't always need to factor in taking the car and having to park up somewhere. Most of us can probably agree that we don't walk as much as we should, so try and find somewhere that doesn't always require you to have a car.

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Local infrastructure is good

The term 'infrastructure' tends to confuse a lot of homeowners, but it's something that is always worth looking into. It basically just means how well the area operates and how good the local services are. If the roads are clear and smooth, and the trash cans are emptied weekly without fail, it is a sign of good local infrastructure. If the local council is always carrying out unfinished building work and you can never get a good internet signal, these things are usually signs of bad infrastructure. Do some research online, but also visit the area yourself and speak to some locals. You may not learn about these things until after the move, which is a big risk to take, so it can help you out if you find them out beforehand.

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People seem friendly

Even though our relations with neighbors are not always as friendly as they used to be, it can still be worth the effort to see what the local crowd is like. This is especially important if you are moving far away from friends and family, as both you and your children will want to make some new friends. A good sign is if people are out on the street chatting and if the town center is busy and bustling. Look out for local noticeboards that advertise local events like fairs and festivals. If you can see plenty of examples of the local community coming together for events, you can pretty much guarantee that it is a friendly and sociable place to live. Also, make a note of the demographic of people who live there - the last thing you want is to accidentally move to town popular with retired seniors with three young children in tow! The neighborhood is integral to your happiness in your new home, so tick these boxes first before you start putting in any offers.

How To Save Cash By Shopping Smart Online

When many people look to save money while shopping, they automatically turn to the internet. And while it is true that internet retailers tend to offer significant discounts ahead of the high street stores, sometimes people aren’t making the savings they can just by taking their time and following a few simple tricks. Learning the smart way of shopping online will make a significant difference when it comes to making purchases both big and small. So, if you are asking yourself how to shop smart online, then this is the blog for you!

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Use Cashback Websites

Before you make any purchase online, it is worth checking if the retailer you are using is on a cashback website. For those not in the know, cashback sites offer you are certain percentage of your purchase price back again - and they are often free to set up! All you need to do is create an account, log on to it before you make any purchase and click through to the retailer using the link on the site. After you have made the purchase, the cashback site should track it and pay the money back into your account within a stated timeframe. While some deals are as little as 1%, there are others which can make you a bundle, particularly if you are signing up for new phone or entertainment contract. And any money you make is a bonus as you were going to make the purchase anyway!

Utilise Comparison Websites

With so many comparison websites out there these days, it just makes sense to shop around for the best deal if you are going to get exactly the same product anyway. For example, if you are looking to buy a flight then Skyscanner will show you the different prices online, as well as listing all the options that you have. Nowadays, comparison websites specialise in all different types of product area so it is worth doing a little bit of research before making the purchase. The money you save could well be significant.

Take Advantage of Deal & Coupon Sites

Many shoppers are trying to do exactly the same thing as you - save money wherever they can. A whole host of voucher and coupon websites have sprung up all over the place, so you may well be able to get discounts on the purchases you make. For example, if you use Amazon on a regular basis then it is worth checking for Amazon coupons and promo codes from CouponSherpa.com. If there is money off to be had, it just makes sense that you should go for it!

Organise Your Emails

We all know the frustration of constantly being spammed with junk mail, but some of these will actually be offering you pretty good deals. The trick is to get organised. If there are online retailers that you use on a regular basis, these are the ones that will be the most advantageous to you. Unsubscribe from all the ones that are simply of no use to you and you will be in a much better position to take notice when valuable offers actually do start appearing in your inbox.

Leave Items in Your Cart

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There are two good reasons to leave items in your cart rather than making the purchase straight away. Firstly, it will stop you making an impulse purchase and regretting it almost instantly! As well as this, some retailers will send you a discount code for what you have in your shopping basket as extra encouragement to actually go through and make the purchase. Good things come to those who wait!

Watch Out For Dynamic Pricing

Dynamic pricing is a very sneaky strategy that many online sellers use to show differing prices to different customers depending on location, as well as taking into account browsing and spending habits. Have you ever noticed that you have looked at a product one day, only to find that it has significantly risen in price the next? To get a better picture of pricing, clear your cookies, log out of your accounts and switch to incognito browsing.

Shop On the Right Day

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Watch out for doing most of your shopping on the weekends. Most stores tend to roll out their best offers on Wednesdays, Thursdays and Fridays. Again, it is all about taking your time and working out if you can get something cheaper on another day. Even if you have bought a product only to find the price has been slashed the next day, try getting in contact with the customer service team to see if they will offer you the same discount.

Keep Fit (For Your Finances)

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Getting (and keeping) your finances in shape is almost as important as ensuring that your body is fit and healthy – both will allow you to live a long and happy life. Of course, neither one is easy, but at least you know where to start when it comes to taking proper care of your body, but what do you to keep your finances fit?

If you want to come out of the red and stay in the black, there are many things you can do – it just takes some time and dedication to get started. Check out these basic steps to sorting out your finances and begin the process of freeing yourself from financial strains right now:

Take an Honest Look

There is absolutely no point in lying to yourself (or your spouse) about the state of your finances if you want to get financially fit. So, the first step of your new ‘fitness’ regime should be sitting down and working out how much money you have, what you owe and how much you need each month to survive. You can take things from there, knowing that you are on the path to a healthier bank balance and a better way of managing your money.

Draw Up a Budget

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Drawing up a realistic budget will stop you from failing. It’s like building up your stamina in the gym slowly instead of running a marathon on day one. You can read more about setting and sticking to a realistic budget here, but basically, you write down how much your monthly fixed costs like rent/mortgage and utility bills will set you back., along with any other expenditures and set a cost limit for the month that you should aim not to exceed.

Start a Spending Spreadsheet

In order to help you keep on top of your spending, and alert you if you should start to stray from your budget, it is never a bad idea to start up a spending spreadsheet. Every time you make a purchase, either get a receipt, or note it down, and add it to your spreadsheet at the end of the day. Very quickly, you’ll  start to recognise spending patterns that aren’t serving you well, and this will help you to work out where to trim the fat.

Have Three Bank Accounts

Sometimes, we spend money just because it’s there and because we can, and sometimes we spend more than we intend to without realising it. One of the best ways to get around this is to open up three separate bank accounts. First, you will need a current account in which your salary can be deposited and which can be used to pay all of the bills. Second, open an account which you can deposit your ‘spare’ money into. This is the money that you can use to spend on night’s out, beauty products and whatever else it is you require to get through the month. Finally, you should open a savings account and aim to pay more into this account that your spending account, when you are able.

Start an Emergency Fund

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Life is full of little emergencies, which although not too serious can pose a problem to our finances. That’s why it’s always useful to set up an emergency fund, which can be dipped into if the dog gets sick, the washing machine breaks down, or there are a lot of birthdays in the family one month.

Transfer Your Balance

If you’re currently paying off credit card debt, and you’re being charged interest on those cards, it is certainly worth looking for any interest-free offers that might be available to you. There are many credit cards which will offer you an interest-free deal for as many as three years, which means you could clear your current credit debts without paying a cent more in interest. Just be aware that there is normally a small fee for transferring a balance (it’ll be much smaller than the interest you’d otherwise pay over three years) and take this into account before you do any transfers.

Call a Credit Repair Service

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If you’ve had trouble paying back your debts in the past, it could mean that your credit score isn’t the best, which means that you might have to pay more for credit, in the event you need it, in the future, and  although I wouldn’t advocate getting into debt, a bad credit score can affect important stuff like the ability to get a mortgage, so it is important that you take control of this. Lexington Law is one of the US’s best credit repair services, and it could be worth talking to them if you’re worried about the future effects of your credit score. You can read more about Lexington Law if you want to see the benefits of such a service, just bear in mind that talking to a credit repair service will be noted on your credit file, so you need to think carefully about your options before proceeding.

Maintenance

When you lose weight, you have to start a maintenance plan to ensure that you keep those extra pounds off and the same is true with finances. Once you’ve got your financial matters into a fit state, you need to work hard to keep them that way, which means that you should check your spending spreadsheet at least once a week and be willing to reign in your spending if things are spiralling again. You might also want to steadily increase the amount of money you use to pay off any outstanding debts and then put into savings, as things improve. This will put you in good stead for the future and ensure you never have to worry unduly about your finances again.

Reward Yourself

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Of course, keeping your finances fit doesn’t always have to be a drag. You work hard for your money, and you should be able to enjoy it at least some of the time. So, once you’ve got things under control, you can think about giving yourself a few little treats. Incorporate them into your monthly budget and don’t go crazy and you’ll always have a healthy bank balance.

More #Buffalo! This Time, Canadian Ones!

                                  Buffalo just outside of Drumheller, Alberta, Hwy # 9 East