Saturday, October 01, 2016

September Earnings

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Writing - £419.65

Article Writing - £411.25
dp article sales - £8.40

Other - £24.69
Clixsense - £5.52
Waterproof Memo Board - £19.17

Making a Grand Total of £444.34

This is a fairly good total this month, partly due to the fact that I have had more time on my hands due to the family being back at work and school and several large writing jobs form one of my regular customers. It would be lovely to earn more of course, but it encouraging to see totals going up despite the fact that online pay for freelance writing still seems to be fairly low. I am always looking for new opportunities to earn, but have not yet found anything that offers so much potential pay as freelance writing.

Monday, September 12, 2016

Is Local Shopping too Expensive?

I always think that it is good to support my local economy and try to shop local if I can. This is not just in the independent shops, although I love supporting them, but also in the local chain stores. I feel that they support the local economy by employing local people, who would not have a job if they closed. Plus those local people are more likely to shop locally themselves if they work locally.

However, shopping in some local shops can be more expensive. For example, although the local bookshop gives some discounts it is still cheaper to order a book online from Amazon and so it somehow feels silly paying that extra money. However, sometimes it is much better value choosing the closest store to my location, as it means that I do not have to pay postage if I would otherwise order online or transport if I would have to travel to a different shop.

New Waterproof Memo Boards Facebook Page

As part of my big push in selling more waterproof memo boards leading up to Christmas I have decided to launch a Facebook page. It can be found by searching waterproof memo boards in Facebook or clicking the link in this sentence! It will be interesting to see how quickly I can gather likes for the site and whether it will have an effect on sales. Obviously it is not always easy to see whether sales came from the promotion or if the customer just found the site from a search engine, but I still think that it is a worthwhile experiment.

Friday, September 02, 2016

August Earnings

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Writing - £233.80

Article Writing - £226.80
Sponsored Blog Article - £3.50
dp article sales - £3.50

Book Sales - £9.86

Amazon - £9.86

Making a Grand Total of £243.66

Friday, August 12, 2016

Saving Money on Everyday Items

There are so many ways to save money, but it is not always easy to see how you can make savings in your own life. It can therefore be good to look towards others and see what they do to save money that you can learn from.

For example, my neighbour picked up a piano stool recently which was second hand. It was very cheap and he repaired it and reupholstered it. Although we do not all have carpentry and upholstery skills, it is still worth thinking about where you may be able to pick up things cheaply, There are many things available second hand these days and they could be better quality than items that are available new. Therefore it is worth thinking hard about whether you should automatically buy things new or look to see whether you can find some cheaper second hand items first.

Monday, August 01, 2016

July Earnings

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Writing - £389.90

Article Writing - £378.28
Sponsored Blog Article - £3.50
dp article sales - £8.12

Book Sales - £37.39

Smashwords - £32.14
Amazon - £5.25

Other - £23.99

Hiving Panel - £4.00
Waterproof Memo Board Sale - 19.99

Making a Grand Total of £451.28

Wednesday, July 20, 2016

Referral Competition

There is a referral competition on The Street Lottery at the moment and it is well worth taking part. If you are already a member of the site then do your best to get referrals and you will have extra referrals allocated to you on top. This means that if your referrals wins a draw you will be able to get a percentage of their winnings. If you get a place in the top ten referrals leader board you will be allocated even more referrals and have even more chances to win. I have won on this site recently and so I can say for sure that it is genuine and they do pay out and it is really easy. Just sign up and check the site every day to see if you have won.

Wednesday, July 06, 2016

Mortgage Nearly Paid Off!!

It is exciting times for me at the moment! I am so close to paying off the mortgage. Due to interest rates beings o low for so long, me finding a really good mortgage deal and us as a family not overspending and putting all the money that we can aside for it, we are now just £561.46 short of paying off the mortgage. It is unbelievably exciting to think that we could potentially soon own the house as long as we don't spend money on anything too expensive such as something form the bb clarinet range before we have it all saved up.

Once we have accumulated the money, we then have a dilemma. We currently have the money in premium bonds, which give us various amounts of return each month. Last month we got just £25 but this month we got £150. Each month while the mortgage is outstanding we are charged £81.50 in interest and we also pay £11.50 in life insurance and if we pay off the mortgage those charges will go. This means that we need to be getting a monthly return of more than £93 a month, on average, on the money in premium bonds to make it worth not paying the mortgage off. If interest rates go down, which it seems that they may, then what we pay in interest will fall, but the premium bond prize fund may also fall due to the economy not doing so well. It is a difficult decision to make.

However, we have decided that we will certainly wait until we have a savings buffer before paying the mortgage off. We feel that we should make sure that we have at least enough money for three months worth of expenses in case of redundancy or needing emergency purchases such as white goods breaking down or car or house repairs being needed. After that we will have to do some serious maths, risk assessments and calculations to decide when we pay it off.