Today, people use computers to chat, shop online, pay bills, and keep in touch with friends on social media channels. However, a lot of them don’t know that this makes them vulnerable.

Unlike other fashionable trends like clothes, shoes, or handbags, engagement rings are considered timeless and unlikely to fluctuate. However, every era comes with discovery, and people like a specific new trend, abandoning the previous norms.

On average, people spend about 50% of their waking time in their home. In recent years this has increased to about 62% due to the pandemic.  With all this time spent in our homes, there is no surprise that many want to improve the aesthetic, functionality and overall quality of their homes. In this post I’d like to explore a few key factors that can help transform any home into a practical living environment, that bring both pleasure and a calming factor to our lives.

If you feel like you’ve been given substandard treatment from a medical professional, there’s a chance that you could claim compensation.

When the time comes for a new car, it can be stressful deciding what to do with the old one. There are a few options when it comes to selling your car and you will want to make sure that you get the best price to offset the cost of the new car. With this in mind, read on for a few of the main steps to take when looking to sell your car.

Financial behaviour is usually developed from a young age. From pocket money to our first jobs and careers, we gradually form our own unique relationship with money and how we spend it. Typically, one of two broad categories emerge, Spenders and Savers, and we all fall somewhere along that spectrum. 

Being a spender carries short-term benefits, while savers typically enjoy longer-term benefits in exchange for sacrificing temporary gain. Either way, the goal of being financially healthy is to live within your means and spend in a way that allows you to build on your goals for the future, whether that be immediate or further away.

How can you spend what you earn every month, buy what you need, and save for the future - without feeling deprived or broke?

A few clever storage solutions can go a long way to making a small bedroom feel more roomy. Here are several ideas for where to put your clothes, shoes, books, and more.

Do you have a knack for math, finance, accounting, and possibly anything related to numbers under the sun? If yes, then this blog post is worth your time. In today's time, finding a financially and personally gratifying career can be a bit tricky for any motivated person. However, some money-related jobs will put your math skills to use and help you earn money, pay off student debt quickly, build your dream home, and do whatever the hell you want. We've listed a few jobs below to give you some options. These jobs might involve directly dealing with the money or supervising money-related tasks. So let's begin.

Travelling is an experience that everyone should be able to enjoy. Whether you're travelling for work or pleasure, there are a few things that can help make your trip more enjoyable and productive. In this blog post, we'll outline some of the best ways to get the most out of your travel experience.

A mortgage can be confusing, especially when looking to pay it off as quickly as possible. Mortgages are simply a loan used to purchase a home. The most common type of mortgage is the fixed-rate, where you borrow a set amount of money at a fixed interest rate for a specific period of time (usually 15, 20 or 30 years).

However, there are ways someone can pay off a mortgage faster. In this blog post, we will provide five tips on how to do this:

1. Refinance your mortgage 

2. Steer clear of interest-only loans

3. Open an offset account

4. Use a redraw facility 

5. Switch to fortnightly payments 

By following these tips, you could be well on your way to being mortgage-free sooner than you thought!

Whether you’re purchasing a bottle of wine as a gift for a friend or you want to enjoy a glass by yourself, there are some tips to save money when you are buying wine. It doesn’t mean you have to give up on quality though. Being on a budget will not prevent you from tasting good wines. There are some tricks you can pull. By following some of these tips to save money when buying wine you will be able to save a few pounds.

You may try to practise self-care as much as humanly possible but you still feel that you are hitting the wall in life, either because you're feeling depressed or anxious.  And when you feel like this, sometimes when you need help the most, is when it's most difficult to ask. Asking for help when you are depressed is not about admitting you are weak and it's not just about defining the steps, but it's about understanding that how you are feeling is standing in the way of your opportunities for hope. So if you are experiencing obstacles on the path to emotional recovery, how can you work towards asking for help?

Every year people around the world become overnight millionaires. Think about that for a moment. Lotteries go on all the time, and it is not uncommon for lotteries to reach hundreds of millions. Then, just like that, someone has the right numbers, and their lives are changed forever! If you are a lottery player, you have probably thought about the lifestyle a lottery win will afford you. But, don’t stop there. Think a bit deeper.

Today I’m going to be reviewing the ‘Cell 2’ from IMOU, a 4MP QHD security camera designed to protect your home, office or any other property type. We’ve been testing this product over the last few days to see how well it performs, what features it has and how it can help secure our home. We have experience with similar products on the market so it’s going to be interesting to see how this compares.

A wise Ayurvedic doctor called Jigar Gor once quipped that: “Yoga is not about touching your toes. It’s what you learn on the way down.”

The water heating system is undoubtedly one of the most important appliances at home and if it is not working properly or leaking – life at home can truly get haywire.  It's a good idea to know what the most common problems are with water heaters and the signs to look out for before it gets worse and causes a major issue. 

Money has long been one of the biggest problems people face. Even in ancient times, people would work extremely hard to get their hands on the money they need to survive, and this could often mean turning on one another to get what they want. Of course, things have changed in the modern world, and most people don’t feel the need to try and take things from their fellow people! Instead, when you’re strapped for cash, you have to use your brain to solve the problem. To help you out with this, this post will be exploring some of the work which can go into making your wallet feel bigger.

Every year, thousands of people decide to move out of their rented apartments and start building their own homes. Whether it's a decision to stop wasting money on rent or just a desire to build your own home to your specific requirements, it's important to know what to expect when you're building your own home. To help you out, this article has compiled the most crucial things you need to know before building your home.

Living off the grid is not as free as it seems. There are hidden costs that you might not be aware of. Learn more about living off the grid and the potential hidden costs in this blog post.

Are you looking for easy ways to start living a greener lifestyle?

Update... 3rd June 2022... ORCA IS CLOSING DOWN!  This offer is no longer valid as Orca is closing down!

Don't worry, I have loads more free money offers just like this!

Find loads of ways to make extra money at home on my blog, as well as my favourite side hustle in my matched betting blog!

To get started, you can make money online uk with these 60 ways I’ve tried and tested.  

Follow these steps to make £1000 in one month at home.  

Or, if you’re short on time, try these methods to make money in one hour.

Love sharing great offers with friends?  Make extra cash with these refer a friend schemes.

What do Orca say about their closure? 

Here is copy from the email I just receieved:

“We are really sad to announce that we are in the process of gradually closing down our business. This means we can no longer accept new customers and our existing customers can transfer to a new provider (ISAs only) or sell down their positions and transfer their money back to their accounts. 

Your money and assets are safe.

During this process your money and your stocks are securely held by your custodians, so there is no need to worry about not being able to access them. Please feel free to withdraw and close your account as soon as you want. If you have an ISA, please open an account at a new ISA provider and transfer your ISA to them.

If you have not sold down your stocks and transferred your money back to your bank accounts by 02-July, we will do this on your behalf.

Please see our Closing Down FAQ for details on what is happening, how long it will take and how it will affect you.

If you need to contact us, you can do so through our customer support function within the app as normal.

In order to support you in your investing journey we are arranging for a special offer from another share trading app. We’ll send information on this to you next week.

Please note that as per Section 1, 17.3 of the Orca Terms Of Service, we are giving you notice of the termination of the agreement between you and Orca. The Terms of Service will terminate with effect 02-July-2022.

A personal note from Denis and Fedor, the founders of Orca:

You are the person who has supported the idea to create the coolest investment app, and for that we are eternally grateful. You know better than anyone how fast we are growing, how the product has developed, how much we have managed to do so far, and how many plans we have ahead.

Our latest plan was to raise funding that would allow us to make our goals come true but with the Russian invasion of Ukraine a lot changed and it proved really hard to get that funding in. But we don’t stop working to make it happen.”

When you're newly married, it can be difficult to keep track of what is happening in the world. You've just said your vows, and now you're on a honeymoon! It might feel like there's no time for anything else besides being with each other- but not so fast! Some important things need to happen after the wedding. These four topics will help new couples get off on the right foot as they start their lives together.

Whether you are on a budget or just want to get the most for your money, it’s worth looking into tips for travelling cheaply.  By learning how to save money on travel you can get more bang for your buck and enjoy even more travel experiences this year.

Just be sure to check the latest travel rules and make sure you are covered or can rebook easily in case of cancellations due to COVID!

Here are 10 money saving travel tips to stop your overspending when booking your next holidays.

I’ve been a member of H&M for a while now and it comes with some great money-saving benefits.  By using my H&M referral link you can quickly and easily sign up to H&M and get 10% off your first order as a H&M member.  What are the other benefits of the H&M free membership?  Read on to find out.

Your uncle might be someone important in your life, or, they might be someone you only occasionally see or spend time with.  Either way, it can be important finding them the right card and gift for their birthday. 

Whether you’re an individual who wants to learn more about the future of their finances, or you’re a business leader looking to grow your business, you will benefit from learning more on the world of money management. It can be difficult to know where to start, which is why it’s useful to know you have this guide available below, so take a read.

It’s that time of the year again when everyone feels like it’s time to start a new chapter of their lives and begin afresh.

Even if you aren’t very fond of making resolutions and promises every year, only to break them halfway through the year (if not sooner), it’s still a good time to motivate yourself to reach the goals you’ve always wished to attain

Prom is the most exciting event in high school. For seniors, it marks the end of high school and the start of something new in their lives. Many schools start organising prom as early as possible to ensure it becomes the most fabulous event in the year. For the attendees, they also start getting ready since everyone wants to show up looking gorgeous. But do you know what to do to have the most stylish prom ever? Well, this post will guide you on the things to do to make your prom memorable and the most elegant event in your teenage years. Read on.

Did you know a simple tweak to the occupation listed on your car insurance could save you money each year?  There are many factors that affect the price of your car insurance premium and you could be paying out more than you really need to.  Read on to discover the factors that affect your auto insurance premium and a great tip for how to save money on your car insurance.

In this post, we take a look at some of the herbs that have incredible, and often surprising, health and beauty benefits.

When deciding who will be your bridesmaid, be it the best friend or a relative, having this role comes with great benefits such as planning the hen do and helping the bride with many other aspects of wedding planning. It is a pass to know all the details related to the wedding, but not everything is rosy as the bridesmaid may have to help with the wedding budgeting, which includes choosing the bridesmaids dresses within a set budget and not outshining the bride herself.  

If you’re wondering how much a bridesmaid dress costs, we can tell you that this varies according to several factors including whether you opt for a designer dress or something more affordable.  In this article, we’ll cover 10 tips to take into account when budgeting for the bridesmaid dresses, including money-saving tips.

 You might think living on a budget would be difficult for a student, but it can be easy if you have the motivation and determination to spend wisely. Here are some tips for how to save money as a student.

In 2022, jobs will be in high demand for creative and innovative thinkers, independent workers, and skilled professionals. The future of work is flexible and lifelong learning is a must. Explore the skills of the future workforce that will be needed now and in the future to succeed.

Are you one of those designated to work from home? Due to the pandemic, more people are now working in the comfort of their homes. However, most of them are freelancers doing freelancing jobs and both are in-demand right now. This demand is constantly increasing and reshaping the current workforce and several industries.

Freelancing is a way of providing professional jobs or services to the client.  The freelancer is the one who performs the job. It’s usually done by an independent contractor rather than by a company. 

However, as the whole idea may sound easy, the truth is it’s not. Today, as the number of freelancers increases, so does their competition. Although there’s a way to take advantage of other freelancers which is to learn and acquire more skills through online teaching platforms. 

With your new and in-demand skills, your job opportunities will increase and you’ll have more chances of getting hired in performing multiple jobs at the same time. Furthermore, here are the top essential skills you can learn to power your freelancing career.

It’s really important to start learning to save money as early as possible.  Learning important money management skills such as saving will help to set you up for life whilst helping you avoid debt and money issues.  Whether you’re a parent interested in how your teen can start learning how to save more of their money, or a teen who wants to take responsibility for their own earnings and savings, read on for lots of tips on how to start saving money as a teenager.

Financial management is crucial for the success of any business. Every business requires financial resources to run and grow, and the unavailability of such resources can derail its progress.

When it comes to planning a wedding, most people like to stick to a strict budget (weddings can be pricey if you don’t do them right). And you’d be surprised how much money you can save by budgeting throughout the planning process. But where should you be willing to spend more? And where should you be making sacrifices to save? Here are a few of our favourite tips to help you plan out your wedding budget:

If you have the extra space in your home for a home office, then it’s a great idea to have a space separate from the rest of the home that can be dedicated to work.  It helps to ensure a better work-life balance by keeping work away from the main house and your private life.

However, if you are suddenly creating a home office for the first time then you might be wondering how to go about it in an eco-friendly way.  With the economy fragile, you might also be wondering how it can be done with money saving in mind too.

Luckily being eco-friendly and money saving, often go hand in hand.  Here are some of the best ways you can create a more sustainable home office and save some money in the process!

It's that time of year again, where we all bundle up and try to keep warm during the winter months. It can be difficult to stay warm in colder climates, but there are a few ways you can make it a little easier on your family this winter. We have put together a list of five different ways for you to stay warm this season!

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Housing prices have been increasing rapidly in recent years making buying a house seem out of reach for so many.  And, even if it doesn’t seem out of reach, some people simply don’t want to spend such exorbitant amounts of money on a property if there are alternative housing ideas that provide the cheapest way to live.  

After all, the costs of owning a house don’t stop at buying the house…. There’s often large monthly bills, taxes, insurances, maintenance costs to think about.  

This is why in recent years there has been a boom in people seeking out alternative housing ideas such as tiny homes, off-grid living and other alternative ways to live a simpler and cheaper lifestyle when it comes to the place to call home.

It can be difficult when one or more of your family has moved abroad. You have limited opportunity to see them and when you do, it can be costly arranging flights to their country.

Sometimes you will have to travel on short notice, but it’s always good to plan ahead for your trips abroad if you can. This ensures that you won’t forget to bring any of your essentials with you.

Planning ahead is also important if you’re travelling to a country that has different laws from your home country. You won’t want to get into any legal trouble while you’re supposed to be enjoying time with your family.

So, what are the important steps to take before you travel abroad? Here are some top tips to ensure you have a smooth trip from start to finish.

Travelling with your children is an amazing experience; the chance to experience new cultures and make fantastic memories as a family. However, just like life is with children, travelling with kids can be unpredictable!  To help you start planning your trip today, check out these top family travel tips for travelling with kids to make things go as smooth as possible.

The rules on travel are neverending when it comes to Covid-19 and whilst some of us might be waiting for everything to return back to normal before we travel, whatever normal will be, others are keen to satisfy their travel bug and get on the road again!  For some, it’s not just about exploring new places, but travel could be a necessity for work, health or to see friends and family who live afar.

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Long-term, or chronic, stress can put you at risk of a number of health problems. It has been linked to depression, anxiety, insomnia, and digestive issues. However, one of the unexpected side effects of stress is hair loss. Although there is good news, if your hair loss is stress-related, it means that your hair follicles haven’t been permanently damaged, and as such, there are a few things that you can do, let’s dive in.  Here are several ways you can begin to reverse and treat your stress-related hair loss.

Like the health industry, the financial sector is also struggling due to the effects of the pandemic that started in 2020 and is still going on right now. This is one reason knowing how and where to invest your money can be difficult under the current situation. Also, the uncertainty brought by COVID-19 in the coming year can significantly impact your investment decisions. You might end up using an ineffective investment strategy, resulting in more financial losses over time.

Due to such circumstances, diversifying your investment portfolio can be an effective way of managing the potential risks associated with investing. Essentially, diversification refers to combining various types of investments in a portfolio to minimise risks and generate higher returns. It’s also the process of spreading out your wealth in multiple markets and through different asset types.

If you’re an investor, below are the four ways to diversify your investment portfolio in 2022.

R&D refers to research and development – and it’s crucial for your business. The goal of R&D is to innovate and produce new ideas for a company’s products or services. 

Without forging ahead with R&D, companies can easily stagnate and get overtaken by other businesses. 

Below, we explore the importance of R&D and the companies that have benefited the most.