Today, while at work, I have attended a focus group regarding change and how to deal with it. This was informative to say the least. In fact, it made me realise how important it is to be positive in life – how to be determined, and to work hard for what you believe in.
In the last few months, a lot has changed in my life:
In summer, I was made redundant. It was a real struggle for me. I have never been in this position before, and I certainly did not see it coming. I was in shock for a number of days, and I could not believe my luck – This could not come at a worse time, with the wedding coming up. After a bit, I had to face the music and started by overhauling my CV. I made sure I got a few good recommendations from some ex-colleagues, and started looking for a job. A month later, I got a job offer which I accepted and here I am.
A new job and a new role later, this means more change and adaptation! Here I was, learning the ropes again. Luckily, I do love change so I took this challenge head on. Four months later, I feel like things are good again and I am settling in nicely.
Friends. Well, that was another bump in the road – However, I decided that after all I have been through this summer, all those who did not care should be of no concern of mine. I made a decision to let go of what was worrying me – There was no longer a point investing my energy in them. Upwards and onward, they say.
In the recent months, it was decided that myself and Daniel should look for a house to make it our own. This means that I will be selling my house. While this is something I want, it also requires myself (and Daniel) to uproot from the places we now call home. I am excited that we get to do this, but again it will not be an easy task – rewarding none the less.
In conclusion, change should be embraced with an open heart. While it might not feel positive in the beginning, things will get better – but only if you let them.
We’ve all gone through tough times and it’s impossible to predict the next time you’re going through financial hardship. While your finances may be in perfect order now, you could find yourself on holiday and spend all your money at once – or you may have to pay up for something sudden and unexpected.
No matter what happens, though, the best solution is to come prepared. It’s going to save you from that dreaded feeling of panic as you realise that you won’t be able to make it to the end of the month, and you’ll feel way more comfortable in general.
Here is a handful of tried-and-tested tips to help you out when you’re in a pinch. That way, you’ll be able to take care of yourself no matter what.
#1 Find a few side-hustles
The great thing about technology these days is that you can actually make money whenever you feel like it. You just need to know where to look – and you have to have a few contacts up your sleeve.
Sure, you still have your actual job and you shouldn’t necessarily quit this to go all out with your side-hustle; this is all about having access to quick money without having to borrow it.
Think about the kind of skills you have that may be useful online, and hit the search engine to check out one of the trillion sites that offer a platform for freelancers and companies. Web design, programming, copywriting, SEO, and social media marketing – all of these are in high demand online.
The good news with these kinds of online jobs is, of course, that you can do them anywhere. Complete a few projects on your commute back home and boost your income significantly – it’s definitely going to come in handy when you really need it.
#2 Get a payday loan
If you’re not able to wait for that paycheck from your full-time job or your side-hustles, it’s time to dive a bit deeper into your options. A payday loan is a great idea when you really need it as you’re able to borrow a small amount on a very short notice.
It will come at a significant interest rate, though, so keep in mind that this option is suitable for desperate times. Read more about it and go to this page if you’re interested; it’s a great option to have handy in case you don’t have access to your credit card at the moment.
Before you apply for a short-term loan, remember that you have to pay it on time. If you should happen to be late, you’re going to have to pay way more than you originally thought – and your credit score is certainly going to suffer. Borrow money responsibly and use it as a lifeguard in case you have no other option.
#3 Sell some of your stuff
You don’t have to be into the minimalist lifestyle just to sell a bunch of your stuff. It does feel great to get rid of some things, though, and you can actually enjoy the feeling of decluttering your life while also making money; it’s therapy that you’re being paid for.
If you need money soon but not right now, this option is perfect for you. Simply check out one of the dozen platforms that offer a marketplace for buyers and sellers, check out what other sellers tend to price their items at (or just slice the amount you paid for it in half), take a few pictures, and wait for the emails to roll in.
Keep in mind that this might take a bit of time, depending on how lucky you are. Sometimes you’ll be approached by potential buyers right away – other times, you’re going to have to wait.
Use this as a way to plan for the month ahead if you see that you might struggle financially. That way, you’re taking care of yourself while also clearing up around the house. Electronics tend to sell a bit quicker, by the way, as well as any nostalgia-items you might have laying around. Check out the attic, in other words, and you should be good to go.
#4 Start a website
This is another tip that requires a certain amount of planning. You’re not going to make money from a website right away, that’s for sure – and you might even have to wait a few months before you start to make an actual income.
Yet, this is a great way to create a passive stream of money for the future, and particularly if you’ve been frustrated about a lack of money in the past. The website can be about anything you think you’ll be able to make money from; make it a DIY blog, a photography website, fill it with your cooking recipes, etc – you have a lot of options.
Have a look at this site if you’re not sure where to begin and keep in mind that this is something that will take a bit of time. The sooner you get started, the sooner you can enjoy the extra income, in other words.
#5 Get a part-time job
Want to significantly boost your income? Get a real part-time job and do something you love. The great thing about this option is that you get to enjoy the feeling of doing something that’s kind of relaxed and you don’t have to worry about working towards that promotion – you’re really just doing this for the money, after all.
If you’ve always loved the idea of working in a coffee shop, for example, get a job where you can work a few hours per week during the evening and maybe a day or two on the weekend.
That way, you have a flexible part-time job where you can smell the coffee and chit chat with others while actually making money. Boosting your income is actually not that hard as long as you’re willing to put in a little bit of work first.
Taking on your first mortgage will be the greatest financial decision of your life, and will have an impact on your finances for a long time to come. Before you decide to leave the nest or your rented accommodation, you need to make sure you are aware of the commitments and responsibilities that come with getting on the property ladder. While you will be able to build long term assets, a part of your income will be tied up for decades. To help you make the right decision, we have provided a few tips below.
Once you start thinking about getting your own place, you have to research the areas you can afford. There is no point stretching beyond your means, or you will end up getting yourself into trouble. Be realistic about your location. You cannot move in to a 5-bedroom, 3-bathroom mansion, unless you have a higher executive salary. Start small and make sure you can afford the repayments. Use an online mortgage calculator to get an estimate of the cost of getting a house on a loan.
2. Get Your Finances in Shape
Whether you are living in a rental property or with your parents, you need to make sure that you don’t have too much outstanding debt. Check out your consolidation options and find the right way of managing your credit. You will be more likely to get accepted for a mortgage if you only have one credit account, instead of debt all over the place on credit cards and car finance.
3. Check Your Credit Rating and Compare Rates
Before you would make an application and start planning your move, looking for properties, you must be sure that you are considered creditworthy by banks. The main indicator of whether or not you will be accepted for a mortgage is your credit score. Check it and find ways of improving it. If you live with your parents and are planning on leaving the nest, chances are you have little or no credit history. It might be worth to consider applying for a credit card and making a few payments to build up your score before thinking about mortgages.
You need to be realistic about what you can afford and maintain. Find out exactly how much it will cost you to maintain the property and pay the bills. There are several calculators online that will give you the estimated running cost of the property you have your eyes on. This way, you can budget better and will not stretch yourself too far.
5. Get a Stable Job
It is also important that you get a stable job before you apply for a mortgage. It will not only help you get a mortgage, but also give you a peace of mind that you can make the repayments.
Before you could jump on the property ladder, you need to make sure that your finances are in order, and you can afford to make the repayments for the next few decades.
Everyone daydreams about one day moving out of their parent’s house. The idea of your own space that you can manage yourself and have privacy is just like gold for a teenager. The thing is, there are a lot of things that you need to learn before you move out of your parents’ house; whether you’re a teenager or not. There’s no shame in sticking around at home until you have that house deposit saved or you find the right house for you to move into.
However, what is shameful is moving out of your parent’s house and having little to no life skills! No laundry fairy or dishwashing fairy is going to magically clean your things for you, and by fairy, we mean your Mom. You have to stand on your own two feet, just as you do with your job. You go out every day and you collect your paycheck, and that responsibility is something you’ve taken ownership of. Before you move into your first home, there are some other lessons that you need to learn and here they are:
Basic Cooking. There’s nothing satisfying about living on microwave meals or Ramen with cold cuts. Learning to cook a few simple, healthy dishes that don’t take too many ingredients is something that you should learn before you venture out on your own. No one else is going to look after your health, so you have to.
Basic Budgeting. You’re in a job already and ideally you are paying for your phone bill and paying a little housekeeping at home. If you learn to budget your money, you can use services like debtconsolidation.co to keep your outgoings as low as possible while still paying creditors. The more money you free up, the more you have for fun things like travelling and shopping!
Basic Healthcare. Taking a first aid course and learning how to patch up a wound and which medications you should always have in your medicine cabinet is important. You need to know what to do to help yourself if you have migraine or any other illness that doesn’t require a doctor.
Basic Housekeeping. Living alone means learning how to clean up after yourself, iron and launder your own clothes and learn how to unclog a toilet. Moving out means gaining the ultimate independence, so you need to know how to do these things to be self-sufficient.
Basic DIY. Replacing a lightbulb or a fuse and fixing a broken appliance are beyond a lot of people, but if you teach yourself these skills before you leave home, you can save yourself some cash on hiring out the professionals to do it for you.
Moving away from your parent’s house – no matter how old you are – is a difficult prospect. Exciting, but difficult. There’s no way to know whether you are truly prepared until you actually move out. Spend time practicing at your parent’s house before you go so you can ask as many questions as you need before you go.
The beginning of a new year is often a fresh start for many people. For some, it can be a daunting thought that it’s just going to be the same old, but in a different year and that can be depressing for some, especially when you see people on social media appearing to have much better lives than you do. If this is sounding familiar then you more than likely need a confidence boost, and a helping hand to feeling better about yourself. Here are some ways in which you can feel better about yourself this year.
Eat cleaner
A common reason for someone feeling sluggish and down in the dumps is purely down to the fact that you’re not eating the right foods. Junk food will bring you down in many ways, not just your weight. It will cause you to breakout in spots, have drier skin, and it can even affect your mental state of mind. Try eating cleaner and you will feel much better in yourself quicker than you think. You will notice that you’re less bloated, your skin will clear up, and you will have much more energy than before; therefore having a brighter outlook on life.
Sort out money matters
Another reason that people feel down in the dumps is because money is tight or their is a debt looming over their shoulders. Take on some extra hours at work or get another part time job so that you can build money up and not feel like you’re living paycheck to paycheck. If you’re in debt and are worrying about how to pay off what you owe, it might be worth thinking about borrowing money to consolidate all existing debts into one loan and paying just one thing off every month. Take a look at these small unsecured personal loans and see if there’s anything that can help solve your situation.
Try something new
Trying something new can give you a brighter outlook on life almost instantly. This could range from trying a new place to eat out with your partner, or it could be taking on a new hobby that you haven’t tried before. Hobbies don’t have to cost much (if anything) either, and they can bring a new breath of fresh air into your life and make you feel better. Alternatively, if you’ve got something that’s been on a bucket list of yours, then why not take the opportunity to tick off something on your list?!
Have a clear-out
Having a cluttered home can bring even the strongest of people down. Take some time to clear out your home of unwanted belongings and give it a deep clean. Having a fresh clean home can make you much happier, and if things are more organised you’re likely to keep it clear too.
Finally, if you’re feeling hopeless a lot, don’t hesitate to speak to your GP. Depression is nothing to be ashamed of and you should never suffer alone!
As the saying goes, nobody has ever said on their deathbed ‘I wish I’d spent more time at the office.’ According to research, one of the things people do regret not doing more of is travelling- and so if every year you vow to travel more but never do now is the time to make a change. You don’t need loads of money to see new places, so if you have the opportunity to take some time out and broaden your horizons with travel you should definitely go for it. Here are some of the ways you can go about it if you don’t have a whole lot of money in the bank.
Earn As a Freelancer
When you work as a freelancer, you can take your job with you when you travel. All you need is a laptop and you can continue earning money while you’re away. It could be blogging, Youtube, freelance writing- once you have regular work coming in you know that you have a way of earning additional money while you’re away. You can get free wifi in lots of places, from hotels to coffee shops and restaurants unless you’re going somewhere very remote. If you have plans to travel in future and are a huge fan of all things travel, starting a Youtube channel or blog in the year or so before is a smart move- then when you go away yourself you could track your trip.
Work in Another Country
Moving to another country for work is another option. Not only could you improve your career prospects in some cases, but you also get the opportunity to live in a new place. It’s different from being a tourist since a lot of your time will be dedicated to working, however you really get to know a place when you live there. You will learn about their customs and cultures, their food, meet lots of new people in a different way than perhaps you would as a tourist. You could search for jobs in Singapore to jobs in Australia, America- wherever has interested you as a country why not go for it. You could move out for six months, a year, five year, permanently- whatever suits you. But you’ll get to explore and understand a new part of the world and support yourself while you’re there. Voluntary work is another option, you won’t get paid but you get to spend time in another country and help out, in return for accommodation and food.
Go on a Road Trip
Road trips are something that most of us have on our travel bucket list. And with incredible routes in different places in the world, it gives you the chance to see lots of different places while stopping at whatever landmarks and attractions interest you. If you hire an RV or campervan you have the benefit of accommodation and transport in one, it’s easy to eat cheaply too as you will either have a fridge in your vehicle or you could buy a cool box. Fill up with food and snacks from the grocery store and you save on expensive restaurants. Many campsites offer hookups for RVs including electricity and water and don’t cost much, but you can park up and sleep anywhere providing you’re in a safe and legal space. You could always have the odd night at a motel if you’re going to be travelling for a while- it won’t cost much and you can have a shower and sleep in a proper bed. RV and campervan hire is relatively cheap, check out companies in the destination you will be visiting and be sure to shop around. Once that’s paid, you only really have your fuel and food to pay for, and any attractions that you plan on seeing.
Go Backpacking
Backpacking is an incredible experience. While humble you see your destination in a different way, it’s not about the five star restaurants or fancy hotels. Instead you’re in the midst of the action, chatting to locals, meandering through markets tasting the street food, finding interesting places that are off the beaten path. It’s a cheap way to travel as most of the time you’re on foot or on public transport, fill your pack with the essentials and some staple food items and you’re good to go. Keep an eye on flights to see if you can snag some cheap ones, and if you sign up to a chain of hostels you can stay in any of them in the world meaning it’s easy to find a place to lay your head.
Explore The Country You Live In
When most of us think about seeing new places, we think of exotic destinations far from home. However there’s a place right under your feet, and chances are you’ve not explored the half of it. It’s much cheaper to visit the country you live in because there are no flights needed. Think of all of the different cities, countryside, beaches, lakes, rivers, tourist attractions there are to see where you live. Put it on your bucket list to visit them all, whether it’s with family, friends, a partner or just by yourself. Don’t rule it out just because you haven’t travelled thousands of miles to see it. Other tourists have, so take advantage of what you have where you live!
Seeing new places and travelling really broadens your horizons. You can meet new people and will probably develop a new outlook on life. Plus it’s fun too, and sometimes doing things just for the fun of it is exactly what the doctor ordered. If you work hard all year, a few weeks or a month of to indulge in culture, history and spectacular sights will give you a new lease of life for when you return.
Will you be travelling this year? If someone was on the fence about seeing a new place in the world this year, what would you say to them?
There are days, when I question things about my life, and my choices. Today has been one of these forsaken days. Actually, I have been at it since 3AM, but that is beyond my point.
I was thinking about back in 2011, when I had my first Christmas alone, living far away from my family, friends, and on top of that, in another country – How courageous was I, to take such a big leap, leaving everything and everyone behind!
Before then, I have never lived alone, and I had no idea about the kind of responsibility and effort it entails to live and make ends meet at the end of the day, and month when all bills came crawling up. I have done a great job, and learned a lot from this experience.
When I have moved back to Malta, I was not willing to move back with the family, as I enjoyed my independent life too much to let go of it. So much so, that within a year of renting, I purchased my own property.
Although this made sense financially, this has indirectly tied me to this country without even realising at the time. Now that I have settled down in such a “grown up” lifestyle, it seems to me that I have become more self conscious when taking decisions. And I shall give you an example. This week, I was meant to travel, but my plans fell apart, and I have decided to give up the holiday based on two reasons:
1. I should not travel alone at night
2. Accommodation has risen up in price (it also being Christmas holidays, and included NYE), and a last minute purchase would have costed me my entire savings for my holiday.
If I did not have my house to worry about, and if I were not such a wuss, I would be in the UK right now, enjoying cold weather, possibly fog and snow, and beautiful beautiful scenery. How silly am I? Where has all my self confidence gone? What has tarnished my spirit in such a way?
And if you are wondering why I wrote this and why I am sharing this with my readers, it is because I want to be able to read this whenever I need to, so I do not repeat such thing ever again. And also, to try to keep reminding myself that not all my decisions in the past years have been as bad.
Now to try and live life guilt free… and keep moving forward… >>>
You know you are doing a fantastic job with your blog when amongst your website mail, you start receiving hate mail, or better known as jealous mail.
And you know what? How insecure and pathetic can you be, to send over 3 separate mails one after the other, in a matter of 4 minutes,without the decency of signing them with your own name and contact details? Clearly, the person who has issues, is the person who hides behind a computer and a fake name. Need I say more?
And to answer your question; yes, I do screen my comments on this page, and this is for a few reasons:
1. Believe it or not, I receive a lot of spam
2. I do not tolerate ignorant people who either try to:
Make fun of what I have said, coming into their own conclusions without verifying if it is true with me first
Try to troll others who reply to my blog post
I respect everyone who spends some of their precious time to reply to my articles, and I don’t mind being criticised or challenged but obviously, it needs to be in a constructive manner and not done immaturely. I do research what I write about, unless I am writing about a personal experience, but I am only human and I can be wrong at times.
Kindly also bare in mind, that replying to my comments or emailing me disrespectfully may result into a harassment case and I take these matters seriously.
Having said that, all publicity is good publicity; So, THANK YOU 😉
It is only one year until I’m 30! When I say it like this, it sounds scary… I am growing old! Luckily I have a lot of older friends, so I do not feel too bad about it! Haha 😉
I am not much of a birthday person. As much as I enjoy the fact that family and close friends remember the day I was born, I do not crave the need to do something special on a day like this. (We age on a daily basis not on a yearly basis!) In fact, I am not too comfortable being in the center of attention. I would rather open up a bottle of wine, snuggle up on the couch and enjoy a good movie. If only it was not this warm right now in Malta….!
Having said that, this coming year I will try to be happy for what I have achieved, and where my life is taking me, rather than focusing on the fact that I am growing older. I will attempt to be thankful for who I have become, and welcome the coming year with arms wide open. I am grateful to those who have supported me, and listened to me complain about what was bringing me down. I appreciate especially those who pushed me to do well, change jobs and not to lose hope! When I stop thinking about how unlucky I am at times, I come to realise how good it feels to be alive, how I survived so many difficulties and heartache this year, and because of this, I have become a stronger person. More than ever, I know what I want in life and I am determined to not let anyone get in the way of myself following my heart and my dreams.
Post-college graduation is an excellent time for you to start traveling. You have a great education and the means to make some money. You might not set off on your travels right away, but maybe you’re desperate to start making some trips. The only problem is, you might not be making too much money after college. Plus, many people have mountains of debt they have to overcome. So if you want to travel after college, how can you afford it? Fortunately, you have lots of options to make travel affordable. Try some of these techniques to ensure you can see the world.
When you first leave college, one of your greatest concerns is probably your student debt. It’s hanging over your head, and you want to get rid of it as soon as possible. But there’s a lot of it, and you have other expenses to take care of too. How can you travel when you have so much money to repay? The first thing you should do is look into Obama student loan forgiveness. You might be able to have some or all of your debt removed so you no longer have to repay. The next thing to do is consider consolidating your loans or managing them in another way. Create a budget to ensure you’re making timely payment.
Lock Down a Job First
Going traveling straight after graduation sounds great. However, you’re unlikely to have much money. Maybe your parents will be kind enough to loan or gift you some. But once it’s run out, that’s it. Before you set off on your travels, it’s a good idea to find your first post-college job. Here’s the crucial part: you need one with good vacation time. Of course, that shouldn’t be your only criterion. But a steady income coupled with flexible vacation time will allow you to travel more.
Travel Frugally
Traveling doesn’t have to mean 5-star hotel and first class flights. You can see so much more if you’re willing to budget your travels properly. You can save by staying in hostels or even camping. You can find cheap places to eat or perhaps avoid eating out altogether. If you stay in a hostel or maybe a homestay, you can cook for yourself. Book your trips at the right times to get the best deals. Go to the right destinations too, where you can get more for your money.
Combine Work and Travel
Here’s another idea: work as you travel. You can look for work programs in various countries that allow you to experience a new country and earn money. You could work as an au pair or in hospitality. There’s seasonal work and other opportunities. You could also consider volunteering or combining travel with studying. You can get experience in the workforce while also gaining life experience. You might even learn a new language.
Traveling after college is achievable if you go about it in the right way. Consider your dreams carefully to plan them successfully.
And to answer your question; yes, I do screen my comments on this page, and this is for a few reasons:
Steffi Says... 
