Sole Traders – How To Avoid An Urgent Cash Situation

Striking out as a sole trader can be incredibly exciting. The world is your oyster, so to speak – you’ve got free reign over which clients you choose to take on, you’re the master of your business’s destiny, and you don’t have a boss breathing down your neck asking you incessantly about deadlines. You manage your own fate, and that can be thrilling and liberating in equal measure.

Thing is, though, sometimes being a sole trader isn’t all that. When the money worries start to pile up, the client base is looking a little thin, and the market you chose to enter isn’t doing so good, you can start to panic a little. It might look for a while as though that dream you embarked on wasn’t such a great idea after all. Well, we’re here to tell you that there are plenty of ways to both avoid this and to tackle it if it does happen. Here are some ways you can avoid an urgent cash situation if you’re a sole trader.

Take on a guarantor loan 

We’ve all been there; we might not have the most positive credit rating in the world, and we’re not able to secure a loan easily. Even if you’re the head of a successful sole trading empire or your very own business, this can still rear its ugly head at the worst possible moment. With that in mind, it might be a good idea to secure yourself a reliable guarantor. A guarantor could be anyone with a positive credit rating in your life, be they a family member, a close friend or anyone. Bear in mind that your guarantor is going to bear the brunt of your debt if you can’t pay, so it should be someone you trust, but it’s an excellent way to get hold of some cash in a pinch to help your sole trading career through a tight spot. Check out TrustTwo guarantor loans for a great place to get started.

Make and keep to a plan 

Depending on the nature of your business, you should know when your high points and low points are going to come. If you make and sell handmade gifts and adornments, for example, you should know that your critical sales points will probably be around major holidays, while the summer might be a bit of a lull for you. With this in mind, you should prepare more for the moments where you’re going to be doing less business; if you’ve got excess funds during those months, then the sting of not doing quite as much business or pulling in quite as many clients won’t hurt as much. There are many ways to do this, and they’ll vary depending on the nature of your business, but there’s always a way to plan ahead.

Know your business inside and out 

As a sole trader, you’re expected to keep track of every aspect of your business, from stock control to accounting to administration and everything in between. Nobody said striking out on your own was easy, right? You can save a surprising amount of money simply by knowing every aspect of your business inside-out. Take regular stock of your inventory, and don’t let yourself be caught out by orders you thought you could fulfil when you actually can’t. Complete tax self-assessment forms regularly and on time and you won’t be blindsided by an unexpected bill when you need it least. Keep a running tally of all the clients you take on and whether you’re owed money; it can sometimes be a point of contention for sole traders when clients don’t pay invoices, so make sure you’re collecting. All of these are small points, but they’ll add up and stop you from being surprised by forking out cash you shouldn’t have to fork out.

Think about your expenses 

When you’re a sole trader, you need to make sure you look after every single penny. One of the best ways to do this is to tighten the purse strings when it comes to expenses, if you can. Let’s say you’re a peripatetic music teacher. If you’re running a car, perhaps it might be a good idea to see if you can switch to public transport. It might take longer to travel, and you’ll definitely be less comfortable, but the money you save in the process will be well worth the downgrade. If you’re a craftsperson, perhaps your materials are costing a little too much and you could source them from less costly places. If you’re a writer or blogger, you might be able to trade in your powerful laptop for something a little less flashy, making some money into the bargain. Look at where you can make money on your current assets and expenses and you’ll be onto a winner.

Anne

I'm a mother of 2 who likes to get involved in too much! Besides writing here I started a non-profit, I'm on the PTO board, very active in my community and volunteer in the school. I enjoy music, reading, cooking, traveling and spending time with my family. We just adopted our 3rd cat and love them all!

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Unique and creative Gift Ideas for those who are close to your heart

Everyone knows the importance of traditional festivals in life. There is a list of religious occasions on which we find time to spend with our close family and friends. It gives us a great time to strengthen the bond of closeness with them. Diwali festival is also famous for spreading happiness and joyous moments in a unique style. We get a chance to dedicate some beautiful Diwali gifts to our close ones. It helps to create some remarkable memories of the religious festival every year. People also start shopping to buy some unique Diwali gifts to send best wishes a week before the festival. They also want to give unique gifts to their family and friends.

Here are some ideas to choose unique Diwali gifts for your close family members.

A Beautiful Tea Set:

As we know that Diwali is the best time to dedicate something special to our close ones. Women are fond of decorating their kitchen with some unique crockeries. You can choose a designer tea set to gift your mom on Diwali festival. She will appreciate a beautiful floral tea set from your side. Your mother will love to use such a pretty tea set on her tea events. It would help to make her feel special on this memorable day.

Stationary and Book Drawer Set:

There are some people in the family, who are fond of reading in their free time. They also like to store new novels and famous books in their reading room. You can gift some stationery items and book drawer set to make them happy on this day. It will be helpful for everyone to spend their quality time reading thoughtful books. Your children also get knowledge from your book collection. It will be a fantastic Diwali gift for everyone in your family. Your grandparents will also appreciate such a thoughtful gift on this memorable day.

Make a Large Photo Frame:

Everyone loves to decorate their home with some essential items which resemble closeness of the family members. If you want to dedicate something special for your family, then you can make a large photo frame on Diwali celebration. Try to create a beautiful photo frame of all family members as a memory of the day. You can choose the best cherished moments together with family to make a photo frame. Everyone will appreciate your idea of making such a fantastic Diwali gift for the family. It will be a perfect gift to strengthen the bond of closeness with all members.

Cake for Sweet Moments:

We need some delicious sweets to enjoy any memorable occasion with family members. A cake can be perfect to commemorate your special day with full of joyous moments. You can prepare or order cake online for the grand celebration at home. Make a theme cake to represent the bonding of your family. You can also arrange a photo cake to make everyone feel special on this day. Enjoy the delicious bites of the cake after performing Diwali Pooja in the evening. It will be an ideal food gift for everyone present in the family.

 

Anne

I'm a mother of 2 who likes to get involved in too much! Besides writing here I started a non-profit, I'm on the PTO board, very active in my community and volunteer in the school. I enjoy music, reading, cooking, traveling and spending time with my family. We just adopted our 3rd cat and love them all!

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Simple Tricks You Can Use to Decrease Your Chance of Reoccurring UTIs

UTI infections can be both uncomfortable and painful. While antibiotics can effectively clear up an infection, they become less effective the more you use them. If you deal with recurring UTIs, standard antibiotics may no longer be a viable treatment option, in which case you may require long-term, low-dose antibiotics. You can prevent the need for antibiotics entirely by taking simple daily measures to maintain optimal urinary tract health, such as adding a UTI prevention medicine to your daily vitamin regime. Below are a few other ways in which you can keep chronic UTIs at bay.

 

Stay Hydrated 

The number one way in which you can prevent UTIs is by staying hydrated. UTIs occur when harmful bacteria is given the opportunity to settle into your urinary tract. If you’re well hydrated, you can flush out the bad bacteria before it has a chance to implant itself and wreak havoc. In addition to drinking water, you should also add all-natural cranberry juice and a preventative drink to your diet.

 

Wash Up Before and After Sex 

Most women know to urinate and wash up after sex to rid the body of foreign and potentially harmful bacteria, but most don’t know to wash up before sex as well. Washing your vaginal region with soap and water before sex can rid the groin of any harmful bacteria that could make its way into the urethra during intercourse.

 

Wipe From Front To Back  

UTIs are often the result of E. coli bacteria that has spread to the urethra. E. coli often lives in the intestines, which means that when a person defecates, there is a very real chance that the feces will contain the virus. If you wipe from back to front, especially after a bowel movement, you risk spreading E. coli to the urethra. You can eliminate this treat by wiping from front to back instead.

 

Take UTI Prevention Medicine 

Give yourself an immunity boost and add preventative supplements and medications to your diet. Some such supplements include cranberry pills, probiotics and vitamin C tablets.

 

If you suffer recurring UTIs, boost your urinary tract health by following the above advice. Contact us to learn more about what you can do to prevent UTIs from complicating your life.

 

 

 

Anne

I'm a mother of 2 who likes to get involved in too much! Besides writing here I started a non-profit, I'm on the PTO board, very active in my community and volunteer in the school. I enjoy music, reading, cooking, traveling and spending time with my family. We just adopted our 3rd cat and love them all!

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Basket Case – Make Laundry Day the Best Day

 

 

Chores. The mere mention of the word is enough to make you shudder and wither up and die a bit, isn’t it? Unfortunately, once we grow up and leave home, chores become as much a part of life as work. There’s no excuse, they just need to be done. Yet everyone has their preferred chores. Some people would rather wash the dishes than vacuum the floor, while others love to dust but can’t abide cleaning the bathroom. Or, perhaps the thought of laundry day turns your stomach? So if doing your clothes washing makes you plain riled up, read on to learn how to avoid becoming a basket case while doing your laundry.

You Need the Right Tools for the Job

Laundry day is like any other chore or task, it becomes easier with the right tools. A pair of good, deep laundry baskets is a great place to start. If you get big enough ones, all your laundry from each load should fit in them, meaning that you can make a trek out to the line in one go instead of going back and forth and wasting time and energy. Make sure to grab good quality baskets too. It can be tempting to go for bargain basement deals but like most cheap products these are inferior and will break before you know it. So spend a bit more and get something that will last a while.

Make it Fun

Laundry can be fun, if you do it right. One hot tip is to listen to some of your favourite music as you work. This can make any mundane task fly right by as you groove out to some classic hits or contemporary beats. If you don’t have a stereo that’s fine, you can just pop in your headphones and the time will pass quickly.

Also, if music’s not your thing you could always catch up with some friends and family over the phone. Again, bust out the headphones and make some calls. You can chat and discuss events in your life while you hang up or fold the washing.

Save Money

It can be tempting to throw every washing load straight in the dryer once it’s done washing, can’t it? While this may give the impression of saving time, it’s actually costing you money. Dryers suck power to create all that heat and motion. If there’s some sun outside then hang out your washing the old fashioned way. If it’s rainy then can you hang them on an indoor clothesline or clothes horse instead? If it’s winter and you already have the heater running the double up on it and hang your clothes near it to dry.

If you absolutely must use the dryer then try to do a few loads in a row, as it will stay hot and use less power as it stays on for multiple loads.

Don’t Let it Pile Up

A common mistake that many people make is letting their laundry pile up until there’s a giant Mount Doom of dirty clothes to clean. This can be overwhelming and make the chore harder than it has to be. So try to make laundry day every two to three days so you save your sanity and it’s a smaller task that is easier to carry out.

All Done!

There you are. Grab a few decent laundry baskets, and pop on some music or make some calls as you work. Save money by hanging clothes outside or indoors and not using your dryer unless you need to. Finally, don’t let it pile up and you’ll have an easier time of it.

 

Anne

I'm a mother of 2 who likes to get involved in too much! Besides writing here I started a non-profit, I'm on the PTO board, very active in my community and volunteer in the school. I enjoy music, reading, cooking, traveling and spending time with my family. We just adopted our 3rd cat and love them all!

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5 Creative Ways to Customize Your Baby’s Photobook

 

If you have a baby, you undoubtedly have dozens upon dozens of photos that you’ve taken in a relatively short amount of time. Those photos can stay on your phone or camera, they can be sent to other people in the family, and they can be posted on social media, but what about having a tangible copy of them in your own hands?

There’s nothing quite like being able to see printed out copies of your most precious photos. Traditionally, photo albums and frames have done the trick to display them, but today’s world provides you with so many more options.

This is the era of photo books: sleek books you have designed yourself that can be customized and sent directly to your home. You have so many ways to customize these books, too, so that you know your product is just for you and your baby. There are little details you can add to a photobook product that maybe hadn’t even occurred to you!

So, without further ado, here are some ideas of creative ways to create customized photobooks that might help you get started on your next project.

Books for Kids

Just because it’s a photobook doesn’t mean it has to be photos of the baby for everyone else to enjoy! Why not create a little photobook that is meant to teach and entertain the baby too?

You can now design photobooks that display photos of children on one side, plus text or other lessons on the other side of the page. For example, select photos of people (including your children) making different facial expressions and print them next to the word associated with that expression!

Soft or Hardcover Books

Maybe you want a soft book that baby can hold and play with, one that you’re not too worried about getting bent or poked around. In that case, a softcover book might be the perfect option for showing off your favorite photos of your baby.

However, you might want to show how important family is by creating a beautiful display of your photos that can sit on the shelf. In this case, having a hardcover book means you can put your photos on the shelf next to your favorite novels, adding some elegance to how you share your memories with everyone else!

Ways to Show Off

Maybe you or Grandma really like to show everyone their family, but you need a succinct way to do this without scrolling through endless photos on your phone. There are ways to brag about your kids and grandkids that is perfect for carrying around: a brag book.

This tiny collection of photos is big enough to see the details in each shot but folds accordion-style so that it’s compact and transportable. With one of these little books on hand at all times, you’ll be ready to show off your family with the drop of a hat.

Add Some Art

Your baby’s photobook doesn’t just have to be photos, either: try scanning in some pieces of art to add to the pages. Not only is this a creative and cute way to keep more than photo memories in one place, but it’s also a way to show kids how important their little masterpieces are.

Over the years, you can watch the collection grow and reflect back on the changes they’ve gone through in growing up. If nothing else, it’s a nice personal touch to really bring a baby’s photobook to life.

Scrapbook-Style Photobooking

Some people have taken up the art of scrapbooking, adding little details to the pages of their photos and gluing endlessly as part of their hobby. You can do the same—kind of.

It may be a little less labor-intensive, but it still adds a beautiful touch to your photobook: when you go to design your book, incorporate fun expression, pretty passages of text, and various other bits of clip art. This will add color, enhance memories, and help pull together the perfect photobook for your family to share!

Final Thoughts

Photobooks are great ways to keep memories together in one singular place. These days, they are increasingly easier to make with affordable craft supplies. If you’re going to take the time to make something for your family to cherish for years, you might as well make it personal and specialized just for you.

From soft and hardcover books to displays of art alongside the memories, photobooks are a great way to capture the past and present. Having these little treasures will also give you something tangible to pull out when guests are over. The options out there are endless, so put your energy to good use with these creative ways to customize your high-quality photobook!

Photo URL: https://unsplash.com/photos/EQlTyDZRx7U

Anne

I'm a mother of 2 who likes to get involved in too much! Besides writing here I started a non-profit, I'm on the PTO board, very active in my community and volunteer in the school. I enjoy music, reading, cooking, traveling and spending time with my family. We just adopted our 3rd cat and love them all!

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