Questions to ask before applying for a loan

Questions to ask before applying for a loan

A loan can be great help. It can assist you in achieving your goals faster, such as buying a house, purchasing a new car or getting your business up and running. However, there are many considerations to make before taking on a loan as choosing the wrong loan can cause financial and legal havoc down…

Why real time bookkeeping makes a difference

Why real-time bookkeeping makes a difference

Keeping business records up to date and in order isn’t necessarily a habit that comes naturally to all business owners. With owners needing to be on top of essentials like expenses, cash flow and invoices at all times, having access to real-time information can make all the difference to small business success. Real-time bookkeeping can…

Managing your financial affairs when self employed

Managing your financial affairs when self-employed

There are many rewards when working for yourself; no boss, freedom to choose your own hours and some lifestyle perks. However, self-employment also means you are responsible for balancing your personal and business funds. Consider the following tips to better manage your personal and professional affairs: Pay yourself It is a good idea to get…

Choosing the best loan

Choosing the best loan

Getting a good loan can save you thousands of dollars in fees and interest, so it is important to shop around for the best deal. There are many considerations when choosing a loan. After you have decided on the amount you need to borrow, the features you need and the time frame to pay it…

Making the most of your tax refund

Making the most of your tax refund

Getting your tax refund back is exciting, but as tempting as it is to splurge, consider other ways you can put that money to good use. Consider the following options: Add to an emergency fund If you don’t already have an emergency fund then now is the time to start one. An emergency fund acts…

Quick financial tips to make your money go further

Quick financial tips to make your money go further

There are no steadfast rules for saving money. Everyone’s financial situation is different; people earn different amounts, need to save different amounts and have varying expenses. Luckily, the following tips can apply to anyone. Budget Planning ways to cut your expenses and save money is important if you want to save but at the same…

Strategies for getting out of debt

Strategies for getting out of debt

Getting into debt is not usually something you plan for; you may have an emergency fund but sitting down and planning how to pay off debt may not be something you have considered. Read the following strategies for getting out of debt. Plan It’s all well and good to recognise your debt and want to…

Small business budgeting tips

Small business budgeting tips

Budgeting in relation to your small business can make the difference between business success or business failure. A budget helps you keep a better eye on your expenditures and hence your profit and loss can be more accurately measured. Reflect on the budgeting tips below. Plan Planning can save you an abundance of money. Much…

Top tips for term deposits

Top tips for term deposits

Term deposits are an easy and secure way to invest your funds. But it is always a good idea to do your research and shop around first to find the best return before investing. Although there has been a significant decrease in term deposit rates over the past few years, they remain a popular investment…

Cash flow tricks you should be practising

Cash flow tricks you should be practising

The ability to manage cash flow is a critical tool for business owners. Incorporate the following cash flow tricks to keep the money coming in and the business running smoothly. Make payment easy One of the easiest ways to make sure cash flow keeps going is to make it easy to pay you. When a…