Asking for Financial Help, It’s Not a Crime and It’s Completely Fine

For some reason, we humans seem to struggle when it comes to the task of asking for financial help. Whether it’s pride getting in the way. Whether it’s a fear of what might be thought of us if we do it. Or whether it’s the fact that we never envisaged ourselves ever actually having to do such a thing. Whatever the reason, there’s something about us humans and asking for financial help that just doesn’t mix. But, if you find yourself in a spot of financial bother, then you might simply have to do it. And if you do, remember it is not a crime and that it is completely fine to do! Read on to see who or what it is completely legal and fine to borrow, or even be gifted, money from.

Image source Pixabayhand-66610_960_720.jpg

 

Ask those closest to you

If you ever find yourself in the midst of a financial fiasco that is bad enough to warrant you need help, then the first person or people you should turn to are those are closest you, i.e. your family and friends. You should do so because they will not ever want to see you struggle with anything, especially something as stress inducing as money.

However, as good an option asking your loved ones for financial assistance when you need it is, it is probably the toughest option to take. But, there are ways to make it just that little bit easier. You need to ease yourself into it and not rush into deciding who to ask for help and how you’re going to ask them. You should know exactly what you need and exactly how your financial future looks so that you give them exact details on how you’re going to pay them back, if they have in fact asked you to pay the money back. And you should always be gracious with the financial assistance they provide, whether they gave you exactly what you asked for or not.

Get in touch with professional lending borrowing companies

If you just can’t bring yourself to ask those closest to you for financial help, or you don’t know anybody that has the ability to provide you with help because of their own financial outlook, then you should get in touch with professionals in the lending and borrowing sector. This could mean getting in touch with payday loan companies and subsequently taking out a loan that you will pay back when you paid and have the financial capabilities to do so; if you take out a loan with such a company, just make sure you know exactly what is asked of you in regards to interest payments and payment deadlines. Or, it could mean getting in touch with crowdfunding organisations and asking them to help you raise money; if you want to take this option, just make sure the reason you are raising the money is a good reason for people to fund you, and not just to get yourself out of a bit of financial bother.

If you ever find yourself in the midst of a financial fiasco because of money management mistakes you’ve made, then be sure to ask somebody or something to help you out. A problem shared is a problem halved, and all that.

The Money-Management Mistakes You May be Making

puzzle-2500328_640.jpgImage source Pixabay

We all want to be want to be financially stable. None of us want to have to worry about paying the bills every month, or whether we’ll have saved enough to send our kids to college by the time they reach 18. Unfortunately, that is a daily reality for many of us, which is really sad when you consider that things really don’t have to be that way!

The fact is, many of us aren’t as financially stable as we could be, no matter what our income levels and commitments are because we don’t manage the money we do have effectively. Check out these common money-management mistakes to see if this could be your problem too:

Paying too Much Tax

If you tend to get a large tax refund at the end of the year, which comes as somewhat of a blessing because you’ve been struggling for most of the year, it’s a pretty big indicator that you’re having too much tax withheld from your pay each month. By simply adjusting your figures, you could keep more money in your pocket throughout the year, so that you don’t have to worry about paying the bills any longer!

Having Too Many Debts

If you have six credit cards and two loans, it can get tricky managing the repayments. Not only are they likely to suck up a sizeable chunk of your paycheck every month, but there’s a good chance you’ll forget to pay at least one of them, thus accruing charges. The good news is that a quick visit to debtconsolidation.co and a quick conversation with a professional is all it takes to make things more manageable. When You consolidate your debts, you really do simplify them.

Not  Tracking Your Money Effectively

calculator-385506_640.jpgImage source Pixabay

If you try to keep track of your spending in your head, you will miss out lots of expenses, big and small and your budget won’t stretch quite as far as it otherwise might. That’s why you should be using a spreadsheet, or even better, one of the spending tracker apps at forbes.comfree-apps to track everything you spend and help you to cut down on unnecessary purchases. It’ll Make a huge difference.

Not Automating Savings

No matter what your circumstances, unless you are quite literally living hand to mouth, you should be making efforts to save and that. If you’re reluctant to do this, or you always find an excuse not to, automating it so that a lump sum comes out of your bank account and into your savings account every pay day is a great way to make it as painless a habit as possible.

Spending More than Necessary

bag-15709_640.jpgImage source Pixabay

Of course, the biggest barrier to financial stability is undoubtedly spending more than you really need toon anything at any time. Before you buy anything, you should really ask yourself if the purchase is necessary and if you can do anything to lessen the cost. Onlyif after doing this, it seems like a good idea, should you buy.

Stop making these mistakes, draw up a tight budget and review your finances regularly to ensure that you have more money in the bank and you’re better able to meet your future financial goals, whatever they might be.

Yes The Bride And Groom Should Shop Together – Here’s Why

Planning and shopping for your wedding is a bride’s dream. In fact, many brides have thought about their weddings for years before they’re ready to tie the knot. It’s something that takes months of careful consideration. And every moment is amazing! So why would you want to share that with the groom? Isn’t it considered bad luck?

Many people strongly feel that the groom should not see the bride’s dress until the ceremony. Dress shopping is just one part of the preparations required for a wedding, though. More and more grooms want a say in the look and feel of the venue, the choice of colors, and even the menu options. Gone are the days when the guy just turns up. A wedding is to join the two of you together. What better way to get some practice than by making purchase choices as a team?

Image source Pexels

Rings

Choosing rings together means you can choose a matching set. And if you shop for the rings together, at least you can agree on any engraving you might want. Start online at the best designers with the biggest ranges. You can find Tacori wedding rings here that offer you a range of gold colors as well as lots of design options. No matter how different your style choices might be, shop together and see what you can find that works for each of you.

Venue

Both of you should attend the venue appointments. It gives you both a chance to work out what you really want from the reception. Most importantly, it will help you each to clarify your expectations of such a big event. Perhaps the groom was expecting a small, intimate setting with a string quartet. You, on the other hand, might have aspirations for a choreographed group dance like a flash mob. One of you might be keen for an informal buffet while the other wants to sit for five courses.

Image source Pexels

Flowers

Both the bride and groom wear their flowers on the big day. You might be holding your bouquet, but chances are you have a flower in your tiara too. Make sure you’re both happy with the blooms and colors chosen. If you shop together at the florist store, you can make sure you’re on the same page about the centerpieces. Even if guys aren’t that into flowers, chances are they want to have a say in what goes into their buttonhole.

Image source

Celebrant

In some places, a celebrant or registrar is allocated to you. But if you don’t really get the warm and fuzzy feelings about this person, you need to have a chat with your partner about alternatives. Lots of choices need to be made. You should agree and order of events. And you might want a poetry reading or an opportunity to say longer vows. Then, of course, is the music. It’s important you both have your input. After all, you’re both getting married that day!

Shopping together for a wedding might make you feel like you’re letting go of the reins a lot. But it’s important you agree on the details, so you’re both happy with the arrangements. You can still keep the dress a secret to the big day, though!