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.


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.



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.





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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