I wrote this poem after waking up and realising that I still have two weeks until I get paid again. Although I am much better with money than I used to be, I have had some unforeseen expenses this month and so the tap has well and truly run dry.
I wonder how many of you spend too much in December and regret it slightly by mid-January. It just makes me want to blow some cash on take aways and nights out when I finally do get paid. Or even book some lovely theatre tickets so that I have something great to look forward to.
Today’s poem is a bit silly but let me know if January feels like this to you. For another of my poems, click here.
Many of us are writers and bloggers or work from home and all of us are looking for ways to make savings or increase our incomes a bit. This blog article is to share a few things that I have learned about making savings and using money more wisely. I am no professional financial advisor but just sharing my own experiences. Additionally, I am not being paid to promote any services.
1) Have an e-savings account
I have an e-savings account attached to my Nationwide Building Society one and every time I spend, the app tells me how much I would have if I rounded up the amount to the nearest pound. For example, if I used my card to buy something for £5.19 the app would suggest I save 81p. These reminders help me to manage money and I click accept to send these small amounts into my e-savings each time.
2) Get a 0% interest credit card transfer
You hear about this a lot and I have just completed a transfer, where I have consolidated the balances of two cards onto a new zero percent interest card, which protects that level of interest for 26 months. It is saving me lots of interest fees and enabling me to make bigger payments to get the total down overall.
You can usually check whether or not you are eligible for a new zero percent credit card by using a credit check website such as Clearscore. If you apply straight away directly with the card provider, the credit search can negatively affect your credit rating so it is definitely better to go through a credit check website initially.
3) Add adverts to your website
We all have to try and make ends meet and providing content is hard work, so why not add online adverts to your blog or website. I initially did this using Google Adsense on my personal website and then used WordAds which are partnered with WordPress to add adverts to this blog. It takes ages to see the results but after a while the pennies eventually add up.
4) Buy shares
Having tried to understand Bitcoin and finding it very confusing, I was recommended Moneybox, which is an app on which you can buy shares and add savings. I split my cash between the two (shares and savings) and every week I pop some more money into the app and have enjoyed watching the savings grow steadily and the shares do well. Moneybox gives you choices that allow you to be safe or ambitious with your shares. You can choose between stock market shares in large companies such as Disney or property bonds. I have used this app now for over a year and taken some money out with a nice profit included.
5) Try Extra Acting Work
A friend suggested I join an Extras agency for when I have free time in the summer and I have been offered lots of opportunities to be an Extra on film sets or TV projects. Often I have had to reject the offers due to work commitments, but when I have taken part the income has been very welcome. Usually a standard day pays up to £200 and extra hours mean a higher rate. So far I have enjoyed pretending to work in a morgue while detectives talked about a corpse and have been a protestor watching Kiera Knightley work her magic on a movie set.
These are just some suggestions that I have made based on my own experience of trying to save and make a little extra cash. Please share your thoughts and suggestions below. If you want more blog posts about writing, reading and the environment, perhaps consider following my blog. Click this to see another post about working from home.
Maybe it is the pessimist in me that makes me worry about the new attitude people are having towards the Covid pandemic. Many people say that I am a happy and positive person but, regarding this situation, I like to think of myself as more of a realist.
When I am confused about something or want to make a decision, I usually weigh things up using lists. Here is my pros and cons list about the current situation:
1) The vaccine is mostly rolling out well (although we still have many who refuse to take it and teenagers who have not been given the chance).
2) Businesses have been able to reopen fully, which means job security and the end of government loans and furlough.
3) That’s where I start to run out of positives but I can see people enjoying themselves, partying and generally having fun.
1) The UK infection rate is rising rapidly. Roughly 50 thousand people are testing positive daily.
2) Hospitalisations have increased markedly in the past few weeks. Currently 4.5 thousand people are staying in hospital each week.
3) The death rate has reached 96 in a day, heading towards a few hundred a day in the near future.
4) Freedom Day meant an end to social distancing and mask wearing in public spaces.
5) Large crowds of football fans and lots of close gatherings, including nightclub events and celebrations have meant a very quick relaxing of attitudes towards Covid. Such sudden relaxing could easily fuel a steeper rise and the introduction of more variants.
So yes… At this time I do feel like the negative points outweigh the positives. It is unlike me to concentrate on the negatives but I feel there is no choice right now. Pragmatic people can see that the reality is that we have a problem and just turning a blind eye to it will not make it go away.
This was one of my most serious posts yet. I do want everyone to have a lovely summer but fear that if we all go crazy it may be a very bleak Autumn indeed.
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