Tuesday, 23 August 2016

Looking For A Car That's Good For Your Bank Balance? Look No Further

For a family car, you often need to look in different directions than you might have when you were a single man. It’s not the fastest, zippiest thing you want any more. It’s one that has the space you need. That’s safe and takes care of you and your family. It’s also one that’s good for your finances. Family budgets are always a thing of serious consideration, so you want a car that’s good value for money. Here’s how you measure it.


Initial cost

First, you need to look at how much you can initially afford. You don’t want to go too cheap, either, because the car still needs to be reliable and effective. For example, the new Volkswagen Golf is available from as low as £17,625. But with it, you know you’re getting a trusted brand. You need to hit the sweet spot between inexpensive and trustworthy.


Insurance costs

Then you also need to consider which cars are better in terms of insurance costs. This will largely be influenced by your own history, but the choice of car does matter. Cars with better safety features and designated ‘family cars’ are expected to be handled more safely on the road. Therefore, they tend to get better insurance prices.


Fuel economy

It’s the third biggest running cost, and the most regular, that your car brings with it. It’s no surprise that you should be considering the car’s fuel economy. Hybrid or electric cars will always offer the best fuel economy, but they also tend to be expensive out of the dealership. Again, you want to strike a balance. For an affordable, yet efficient car, consider something like the Fiat 500 Pop.


Maintenance consideration

Another cost that not enough people prepare for is how much it’s going to cost to keep the car running. How likely is it to need repairs and how much can you expect those repairs to cost? You don’t have to do guesswork on that, anymore. Nowadays, you can easily look up the reliability index of your car and see what its problem areas are. Just remember, regardless of what car you get, you need to set up an emergency fund for repairs. Otherwise, you leave yourself susceptible to maintenance costs digging deep into your finances.


Value

Finally, you need to look at what monetary value the purchase actually has to you. What’s the car’s rate of depreciation? How much of a market does it have? Some cars will keep their value better simply due to reliability. Others have a brand that gives them automatic selling power. You don’t want a car that becomes worthless. Look at how yours is going to keep value.

We hope that this article helps you find a car that ticks all the boxes. One that’s reliable and safe, while also not totally tanking your finances. At the end of the day, cars tend to be the second most expensive purchase we will make in our life. But that doesn’t mean you can’t still be smart with how you finance it.

Household Tasks It Is Wise To Do Before Winter Arrives

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Okay, folks. Whether you like it or not, the darker, duller months are officially on their way. The evenings may still be light at the moment, and we’re still getting some lovely pockets of sunshine. But this isn’t the Caribbean (sadly), and so it can’t stay this way forever.

What this means is, it’s time to start thinking about what you need to do in and around the house in advance of this.

Each year, many people make the mistake of not doing certain household tasks until the very last minute. They do this for a number of reasons; perhaps they’re in denial about what is to coming! Or maybe they’re busy with prepping the kids for the start of a new school year.

Whatever the reason, waiting until the colder and less pleasant seasons set in is a bad idea for a few reasons. If you suddenly have an emergency breakage or issue that needs fixing, the fixers in question will likely have packed schedules. This means that you may have to join a long waiting list, or pay a premium. In fact, any service for household tasks may cost you more in the winter months, simply because there is more of a demand.

That is why you need this guide, which will pinpoint three of the most important things you need to stop putting off. Either get them fixed or protect them; you’ll be glad that you did!


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First up, your windows. Broken or just drafty windows are a nightmare for any household, for a number of reasons. Firstly, they let cold air in. This means that any heating you have in your house is being let out, and cold air is replacing it! Not good. Decide now which windows need replacing or fixing, and then book in a reputable company. Look for companies with a professional setup and positive customer reviews, like Buckwin.

Another part of your home that may need attention is your plumbing. A lack of cold water in the summer might be bearable- even pleasant. But in the colder months, it will make you totally dread taking a shower! This is another job that you should always hire the professionals for! That way, you know that it will be done both safely and effective. There is no point trying to fix it yourself, failing, and then having to hire someone anyway!


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Of course, here in the UK, it can be difficult to tell exactly when it will start to get cold. Sometimes, we can get taken by surprise. We can get snowfall as early as Autumn, for example! For this reason, once summer comes to a close, start thinking about what needs covering and protecting. You’ll likely have had things lying about and sitting about on your driveway, patio and garden. Invest in covers now, or dig them out of storage. Put them on before you need them- it’s better to be safe than sorry. So, consider things like garden furniture, but also any young plants that may not survive the cold.


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Everything You Need To Do Before Hitting 40

Age 40 is a pretty big milestone in any person’s life. This is where your adulthood peaks, and you start a totally new journey towards your senior years. For some people, it’s something big and ominous which they think will mark the end of all the fun in their life. For others, it’s one step closer to the retirement plan they’ve been working on for years. However you feel about it, there are certain things everyone should have in order before their 40th birthday. Here’s a checklist to help.
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First of all, getting a firm handle on your health. Without a decent standard of health, you’re going to find it pretty hard to enjoy much of anything in life! While you’ll still have many years to live after turning 40, your body will have been in decline for a few years prior, and it’s important to keep a sharp eye out for issues which have the potential to shorten your life expectancy. Dermatological conditions, such as melanoma, should be a particularly big concern as you get closer to middle age. Gastroenterological issues and latent heart disease are also big risks in people who are close to 40. Simply making a point of eating better and getting more exercise in can make a massive difference to your quality of life from middle age onwards.

Creating a solid plan for your children’s education is another important thing to do before you’re 40. Like many parents, you probably want to be able to send your kids to the best schools in the country, and in turn give them a wide range of opportunities in their adult life. If you think you’ve been neglecting your kids’ education somewhat, then you need to turn this around as soon as possible. Yes, getting some kids to apply themselves is hard and exhausting, and saving for a good education can become horribly expensive. However, 40 should be the point where every adult starts putting the other people in their lives before themselves. Many financial journals recommend that you start an educational fund the day that your child is born, so don’t put this off!

Reviewing your life insurance should be another big item on your list of things to do before you’re 40. Now that you’re getting close to middle age, I’m sure the last thing you want to do is contemplate your own death! However, life insurance is an important financial factor which can change drastically over time. If you’ve had more children since the last time you reviewed your policy, then your current premium may not be enough to cover all the additional childcare costs. Furthermore, if you’ve had any major changes in your health or occupation, this can have a pretty big effect on your life insurance. The continuous factor of inflation is another big reason to check if your life insurance is adequate for your needs. I know it’s dry, but knowing you’re covered by the right policy can be a massive load off your mind. Read more at www.genesage.com/life-insurance-over-40-quotes .

One of the more personal things you need to do before you’re thirty is iron out any problems with your spouse. Though some guys may not be too quick to admit it, we all have countless times where our spouse has helped us out of financial, occupational and personal issues. If you think about it, I’m sure you’ll be struck pretty hard by how much you owe to your partner. When we first start living with our partners, it’s completely centred around our love for one another. This is that lovely, lazy phase that’s all romantic getaways and rose petals. When you throw mortgages and kids into the picture, the relationship becomes something far more practical, and you start having to make some serious long-term decisions together. The whole experience can put a strain on your love for each other, which is why we see so many divorces in later life. Letting issues with your relationship stagnate is never a good thing, so try to take action before middle age hits you! You can read a helpful article on this at www.psychologytoday.com/blog/compassion-matters/ .

Finally, paying some attention to your spirituality. Countless people dedicate their lives to keeping themselves and their families financially stable, and as they reach 40 they begin to realise that something’s missing. I’m not telling you to convert or find a religion, but taking spirituality seriously can be hugely beneficial in your later years. Take a break from pouring over your investments and savings accounts, and ask yourself what it’s all for.