Exciting ways of making money at home
By financen | February 15, 2016 - 4:21 pm - Posted in Money and Banking

Nowadays, many people are interested in starting their own home-based business and make good amount of money. Normally, a person will work two to three professions in his work life. People who leave their career behind tend to start their own business at home.

Many people who have been a part of conventional labor force are on the brink of retiring from that routine and now they have their plans open about which direction to go for in the near future. Fortunately, anyone can start a business from home and feel the adventure. Below are some good examples of home based businesses you can start on your own.

Home repair service: Many homes usually face the common problems of dripping sinks, back logged water drains, broken appliances and a variety of other problems. Many of us don’t have the time or knowledge about how to deal with these problems. If you are an expert with your hands and have a good amount of knowledge on home repair, then you can start this business of home repair services. And to get more clients, you can charge less from the professionals in your area. Your target will be on how to save more money for people. The more you save for them; you will keep getting new clients. To start with, you need to have a good set of resources and a large vehicle for transferring your equipment.

Organizational Specialist: Sometimes you will notice messes and clutter in many houses and firms. If you feel interested, then you can start your own business as an organizer. There are many books available on arranging things properly and how to keep things in place to get more free space out of it.

Collect materials about this job niche: To get started, you can practice this skill on your friends and family for a little fee, and once you get your knowledge and experience, you can sell your skills to other people. Make sure that you get some good testimonials from your friends and families whom you have helped. You can also buy and mark up prepared good, or get in touch with craftsmen, to set up closet organizers, racks, and other furnishings.

Online content creator: there are many companies who have their business online and they are always in the need of new articles and blog posts for their websites. As a content writer, you can write up articles or posts for their websites, bringing up professionalism, trust or creativeness.

Web designer: web designers are needed for website development services. If you are experienced in this industry, you can offer it as a standalone service. It is important to have a collection of all your works as a web designer so that you can show it to your clients and advertise your services.

Flea market sales: flea markets are just like a garage sale. If you enjoy garage sales, you can consider it as a business. You can market many items such as crafts or merchandise for resale. There are many marketplaces where you can sell your skills like car detailing or antique restoration.

These are just a few examples of the many home based businesses that you can easily start sitting at the comfort of your home.

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3 Simple Ways to Help Your Employees Thrive
By financen | February 4, 2016 - 4:22 pm - Posted in Employment

Your employees are more than just members of your payroll: They are also one of your company’s best assets. When you do all that you can to help your employees thrive, you will both benefit. You don’t necessarily have to invest a large quantity of money to do this, but you do have to make a conscious effort to help your employees be their best.

Seek Honest Feedback

It’s difficult to help your employees thrive if you haven’t gained a full understanding about what is holding them back. No business is perfect, and seeking honest feedback from your employees is a great way to find areas that need improvement.

In order for employees to provide candid feedback, they need to feel safe. In most cases, employees feel more comfortable providing feedback in an anonymous manner. Print a short survey to distribute to employees, or create an old-fashioned suggestions box to place in the office.

Invest in Training

Once you know which areas need improvement, you can work on making strides in these areas. In many cases, the proper training can relieve a lot of the stress from your employees. Investing in software is great, but you won’t be able to take full advantage of the new program if you haven’t also invested in Sage 100 training.

Training sessions don’t have to be full-day events that keep everyone away from their regular duties. Instead, look for ways to scatter shorter training sessions throughout your schedule. Host a lunch meeting where you bring in a customer service expert, or take an hour on Friday afternoon to have a refresher on email etiquette.

Recognize Excellence

Few things in life are more motivating than positive feedback. Instead of harping on all that your employees are doing wrong, make the choice to recognize excellence. Employees who feel that they are appreciated will work harder and gain a sense of loyalty to your business.

Bonuses are always a great way to reward excellence, but you don’t have to abandon this idea if you are short on funds. Instead, think of other ways to reward great employees. Give the gift of an extra vacation day, give the employee a temporary break from one of her duties, or simply give positive feedback in front of other people at your next staff meeting. You might be surprised how a culture of positivity changes the attitude of your staff members.

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Little things that bring a smile – And making them come true
By financen | February 1, 2016 - 6:01 pm - Posted in Budget, Investment, Savings

Life is just not just about big dreams, high end luxuries and expensive comforts. Amidst your hectic schedule and working hard to make your both ends meet, you may often forget to enjoy the simple pleasures of life. These pleasures, though may seem trivial or frivolous in nature, can bring immense satisfaction to you. They are called the finer joys of life.

Ever wondered about the finer joys of your life?  Well, here is a small list:

  • Looking at the joy on your child’s face when you take them for their dance class
  • Dropping your wife for Zumba classesen route to your office.
  • Pursuing that long-cherished hobby of learning to play the guitar.
  • Watching your favourite singer performing live in a concert.

This list can be endless. You have an earnest desire to live these finer joys, but then there is the other side of the coin which calls for being practical to make them come true. You need to make time to do these little things you want to do as well as manage your finances to spend about the same.

Managing your time is relatively easier. You could start waking 15 minutes earlier every morning. Or you could limit your screen or digital media hours. You can even set aside a dedicated hour of the day for ‘me time’ and ‘family time’.

But, what about the money part? This requires a conscious and systematic planning at your end. Here is what you could do to achieve the finer joys in your life without worrying much about the finances.

  1. Make a Budget

Write down income and expenses (better, if maintained in an excel sheet). Review once in a fortnight or a month. Analyze the reasons if you have exceeded the budget on some counts. Try and live within the budget.

  1. Save Smartly

You should aim to save at least 15 – 30% of your income to meet the key milestones of your life – child’s education & marriage, own home, retirement, etc. Keep a long term perspective and allocate your savings to a diversified portfolio comprising fixed income securities, equity funds and insurance plans (life, health and non – life) for a better risk-return trade-off. Also, keep an emergency fund, equivalent to your 3 – 6 months, aside to meet unforeseen expenses. Similarly, you should allocate a part of your income towards the expenses that you will need to incur on the finer joys of life. This way, you and your family can enjoy the small pleasures of life without creating an additional burden on your budget.

  1. Invest in a Money-back Policy

The finer joys can occur at different stages of your life. To be able to enjoy them as and when the time comes, you need money at periodic intervals. Rather than juggling your finances impulsively in future for such things, it is better to plan for regular payouts ahead of time. A money-back planis quite suitable with this regards. It gives a guaranteed income flow at fixed stages during the policy term, so that you have the money when you need it the most. You could plan the payouts as and when you desire to fund the finer joys of your life. With a money-back plan in your investment kitty, you have an additional source of income in hand and you can glide through your recurring financial commitments smoothly.

If you plan your time and finances well, you need not forget, sacrifice or postpone those finer dreams in your life. Start planning today, your little joys are waiting to unfold!

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