The Importance of Good Website Design

Many people pay a lot of money for websites for their business and as someone who likes to save money, you may feel that I would say you need to go for a cheaper option. however, if you go too cheap or design something yourself then you are taking a big risk.

Your website could be the first thing that someone sees about your company. They will use it to judge you and therefore it is important to make the right impression. however, you also need to make sure that you come up high in search engines so that people can come across you in the first place. Things that you put on your website will have an effect on this as well.

It is therefore important to make sure that you get teh right company for the job. You need a good balance between expertise and experience and competitive prices. You want to make sure that you are getting good value for money and so it is perhaps even more important to do lots of research about this than anything else. make sure you ask around and see if you can get any personal recommendations, look for reviews of top web designers in London and most importantly speak to the companies. Ask them to give you details of clients they have worked for and ask those people how much business they have gained which they feel was a direct result of the new website that they got. Do not be afraid to ask questions, a good company will not mind answering them as they will understand that you want a good job and that you want to make sure you are getting a good service for your money.

I have seen some pretty websites lately but they do not give enough information to their customers, are difficult to navigate and they do not come up high in search engines. So make sure that you talk to your web designer about SEO as making something that is easy to use as well as making it look good.

0% Credit Card

I have been taking a look at the deals on 0% credit cards. We will soon be buying carpets and furniture for the house, once the building work is completed. I have decided that if we put it on a 0% credit card, we will be able to keep the money that we have to pay for it invested for longer. There are two cards offering 15 months interest free credit at the moment and so these look really great. The problem is that until my husband applies, we will not know whether they will give us a high enough credit limit to get everything that we need. I will therefore get him to apply for one as soon as possible so that we can find out if we need another one as well. It could be a great way of letting our savings earn us some extra money.

How the Payday Loans Market Operates

It can be useful to use a Payday loan if you do not have enough money to pay for essential bills before the end of the month. It is quite a different thing to a loan form a financial institution though. They will tend to lend money over a long period - at least a year if not significantly longer but a payday loan must be paid back when you next get paid. It is therefore likely that the lending period will only between seven and eighteen days. The amount this borrowing costs will depend on how much you choose to borrow and how long you have the money for. It is necessary to be earning over a certain amount of money before you will be accepted for payday loans. You will normally be able to get one if you have a regular income. In order to qualify you will also have to have some finance checks to make sure that you are capable of repaying the loan and it is possible that this could take a few days in some cases. This will depend on the company you choose and your financial circumstances. It is very important that even if you are accepted for a loan, that you make sure that you can pay it back when necessary. Your lender may have faith in you, but you need to make sure that you can trust yourself as well. It is an expensive way to borrow money and if you do not pay it back on time then it can end up costing even more. You do not want to be in this situation. It is also necessary to make sure that you talk to the lender and make sure that they can answer all of your questions before you start. Ensure that you fully understand the terms and conditions, know how much you will be charged for the loan and when you will be expected to pay it back and make sure that you can do this. Also get in touch with other cash advance lenders to make sure that you look at all your options and compare the cost and service that others are offering so you know that you are getting teh best deal for you.

Premium Bonds News

Despite the fact that I have removed a significant chunk of money out of my premium bonds this month, I still managed to win £25 in February's draw. My husband has twice the money that I do and he won £50. This is still higher than the odds of winning and so it looks like it was the right decision as not only is it earning 'interest' it is also giving me peace of mind knowing that I will get my capital back whenever I need it. I will need to take more money out to pay for carpets and furniture this month and so it will be interesting to what impact that might have on next months draw results.

Cash For Gold.....

I know there is a mixed opinion about cash for gold. I can see where it could be useful for people who really need some money, but I also know that it is well worth getting a selection of valuations before you should sell anything. I was walking past one of the many cash for gold shops in town with my six year old boys today. I didn't even notice we had walked past one until one son said 'it would be really good if you found lots of jewellery as you could take it in to that shop and get lots of money for it'. I know he is only six and so I can understand why he said this, but it did make me start to worry whether there are people out there, who have not been lucky enough to be taught anything about money, who would think this sort of place will be the best place to go if they need money. There must be people who think like this or else there would not be so many shops like this opening everywhere. It is so important to make sure you are getting the best deal, often these places just pay you for the value in gold, minus some profit for themselves. However, you may find a jewellers or antique dealer may pay you more as they will see the value in the item as well as the value of the gold it is made of. However desperate you are, you surely can spare a bit of time, even to visit several different place sin the town where you live.

January Earnings

Pay to Blog - £65.64

PayU2Blog - £59.84
Blog post - £5.80

Writing - £399.63

Article Writing - £345.22
Amazon ebooks sale - £54.41

Other - £84.57

Quidco - £1.68
Waterproof Memo Board - £10.00
Amazon book sales - £72.89

Making a Grand Total of £549.84

5 Ways to Save Money Online

With the power of the Internet, it is possible to do many things like stay in touch and get the latest information. However, one of the best things you can do online is save money. By using the Internet, you can save money in many different ways.

Comparing Insurance Quotes

One of the most effective ways to save money online is to shop around for insurance. For example, you can compare life cover options on many different insurance comparison websites. To do this, you simply enter in the information that you want to search for, such as whether you want term or whole and the face value. You may also have the option to get quotes on additional riders such as accidental death and dismemberment. Then many different life cover insurance companies will provide you with quotes.

Coupons

While many people are used to getting coupons out of the Sunday paper, the Internet can be a much more valuable source of coupons in some cases. By looking online, you can zero in on the types of coupons that you want to find. For example, if you're about to go to the store and buy a specific product, you can simply do a search online and try to find a coupon for it. You then can print it off and use it immediately.

Buying Products

If you're in the business of saving money, purchasing your products online can be a lifesaver. Many businesses that sell online do not have the large overhead that traditional brick-and-mortar merchants do. Online businesses may be nothing more than a warehouse or even a single person working from home. With this lower overhead, the online business can save money and pass the savings onto customers. In addition to the extra savings, most purchases online are not subject to sales tax. The only thing that you have to watch out for is the shipping costs. Some online merchants will charge you more for shipping and the extra savings you realized may be lost.

Online Auctions

Another way to save money online is to get involved with auctions. Many online auction sites sell practically every product that you can imagine. If you time it right, you may be able to get a product for much cheaper than you would ordinarily be able to elsewhere. When using online auctions, you have to be careful to ensure that you are getting the exact product that you want and that it is in good condition.

Free Content

Instead of spending a lot of money on entertainment expenses, you could cut those out by using the Internet. For example, much of the television programming that you pay for on TV is available for free online. Most of the TV networks allow you to watch their shows on demand. You can also listen to music for free and even play video games for free online. This can allow you to cut other expenses that you pay for as long as you have an Internet connection.

Record Kindle Book Sales

I was very excited in December when I sold my biggest ever amount of Kindle books at 34 in the month across all Amazon sites. However, during January I sold 73! I do have a few more titles out now, but it is not the new titles that are doing so well. I know that Kindle has been having a sale, but I am not aware that my titles have been involved. I did have less books lent this month and I wonder whether people who borrowed copies last month are buying them this month. I also think the high sales are due to a lot of people getting Amazon vouchers and new Kindles for Christmas. It will be interesting to see how long it lasts.

Personal Injury Claims

Many people do not like the idea of personal injury claims. they feel that most claims are fraudulent and just end up in people ending up having to pay higher insurance premiums. however, it is important that people realise that this is not always the case. there are many genuine claims, where people have been injured through no fault of their own and been put in a financially disastrous position as a result. No one likes false claims and Spencers, a personal injury lawyers have just put together an interactive campaign to try to prevent this. They have put together a selection of Youtube videos at their website http://www.shouldtheyclaim.co.ukand encourage people to take a look at the accidents and work out whether the people involved have the grounds to make a claim or not. This is a very interesting approach from this company of solicitors and will hopefully start to get people thinking that they are not just interested in representing any case because they think they will make money out of it. They do have morals as well.

How you benefit from overall stock market growth

Taking the plunge into making investments can sometimes seem a little bit daunting at first, particularly if it’s something you’ve never done before. However, if you are keen to make some investments and are willing to invest your money over a long period of time in the hope of achieving maximum growth, read on to find out more about how you could benefit from overall stock market growth.

In particular, let us take the example of some of the best stocks and shares ISA. For those not already in the know, this is a kind of ISA that invests in – you guessed it – stocks and shares. There is an annual limit as to how much you can invest (£10680 for the 2011/2012 tax year), but all your interest and dividends are tax free, which is one of the reasons these ISAs make such a popular form of investment.

If you are looking to invest your money over the long term then one good example of an investment ISA to consider is a FTSE all-share tracker ISA. This is a type of ISA that purchases shares in all of the companies listed on the FTSE all-share index, which helps to spread out the risk and means that you have your eggs in multiple baskets as opposed to one, more concentrated, investment.

One thing to note, as you are probably already aware, is that your investment has the potential to go down as well as to grow, because the growth of the stock market is not guaranteed. However, when the market is growing, if you have an all-share tracker ISA, you’ll never miss out on that growth due to the fact your investment is spread around as opposed to concentrated in a smaller group of companies.

Also, one of the benefits of this type of share ISA is that you can get share dividends, which means there is a chance your investment will continue to grow even if the growth of the market is currently struggling. Plus, if you are able to invest money in your stock share ISA over the course of five years or more, there is a fairly decent chance that the FTSE all-share exchange will grow rather than fall, so even though you are taking on a financial risk with this kind of ISA, there is a good chance for growth – and the rewards can be very good.

Overall, if you are looking for a long term investment and are willing to take a risk in exchange for potentially very good returns, an all-share tracker investment ISA could be the ideal option for you.

Getting a Good Car Insurance Deal

Swapping car insurance can be a great way to save money. many people choose to switch after looking at a price comparison website. However, Aviva have launched a fun campaign where you can play a series of games in order to learn more about their car insurance and how you can save money.

The games feature the main character of the advertisements who is called Ollie. You have the option of creating a personalised song and sending it to your friends, you can play at catching fish, you can view the TV advertising campaign and there is a chance to win prizes.

Of course, it is all about encouraging you to find out more about their Multicar insurance. If you insure more than one car, then you can get up to a third off when you add a second vehicle to your policy. This could save you a lot of money if your household has more than one car, which many do these days and so it is well worth a look and getting a quote to see how much you can save.

Why not take a look at the video below, have ago at the game or find out whether you can save some money.

Post sponsored by Aviva

Massive savings!

Thanks to spending nectar points and printing off a 20% discount vouchers and an in store deal, I managed to save £150 in Homebase this weekend. It was an amazing saving. I purchased 4 5 litre tubs of Dulux paint pod paint. Each 2 tubs came with a free Paint pod compact worth £30.99. We also bought undercoat, gloss, gloves, sandpaper, masking tape and other things for painting. I am always shocked at how dear these things are, but with a 20% saving as well as spending £48 worth of nectar points, we made an amazing saving. It was certainly well worth using our loyalty card (we get points from reading our meters monthly for British gas and buying petrol at Sainsburys) and searching for vouchers on line. The voucher was emailed to my husband from the Money Saving Expert so thank you Martin Lewis!