Everyone has made mistakes, and our parents are no exception to this. Some mistakes can be corrected, others just need to be tread through and just deal with them. But what about retirement? Specifically, what if your parents have no retirement savings or plan in place?

Life insurance might not sound like something you need to think about until you are an older adult, but is that true?  At what age should you get life insurance and is there an upper age limit?  In this article, we’ll cover exactly what this type of insurance is, why you might need it as soon as you enter adulthood, as well as why the pandemic has prompted millions more UK citizens to take out a policy.

Weddings are often synonymous with traditions and this also extends to proposals and engagement rings. One of the most common expectations is that engagement rings should cost 3 months wage, yet with the rise of lab grown gems, you can spare on that expense.

Taking newborn photos in a hospital can be quite challenging. But with a few tips and tricks, you will be able to take some amazing shots of your baby.

Spending less when shopping is a goal many of us have. But it's not always easy to do. The key to successful shopping is knowing the tricks savvy shoppers use to get the most bang for their buck.

I think we can all agree that it feels great to save money, especially in this day and age. However, sometimes it can seem daunting to know where to start. Should you cut down on those subscription services, should you buy generic products instead of name brand, or should you skip going to the movies with friends? We’re always looking for ways to save some cash and while it can be helpful to do so, it shouldn’t require you to give up the things you love. 

That’s why the popular US money-saving apps we list in this article are so beneficial and important to have on your smartphone. You won’t have to give up your luxuries by downloading and using the apps discussed below, so read on to find out how you, too, can save some money without having to do without.

There are many benefits of working from home, and more and more people are starting home-based businesses every day. If you're thinking about starting your own business, or if you've been running a business from your home for a while but aren't satisfied with the results, keep reading. This blog post will discuss some tips to help you create the best possible home-based business.

Golf is one of those sports that people either love or hate. There’s no denying that golf can get quite expensive. However, people who love the sport become avid and passionate golfers. Golfers often try to make time to enjoy their favorite sport at least once a week, if they can manage.

Golf offers many benefits. There are physical benefits, and then, of course, you get the mental benefits — which are plenty in this sport.

As a sport, golf can bring mental peace and clarity that is no doubt welcome in these uncertain times. If you’re wondering what other benefits you might see from playing golf, read on to find out!

Identifying your target audience is essential for any business and is especially true for t-shirt businesses. Clothing, in general, is something quite personal, and if you can nail down your audience, you will have a better understanding of what sells and what works.

Many people like the idea of setting up a home business and selling their services online. However, before you even think about founding an enterprise, you need to put yourself in the right place emotionally, professionally and psychologically. That’s why personal development is so critical. It sets you up for both personal and business success.

Summer is on the way, finally, and the weather is starting to brighten. It’s time to dust off your tees, shorts and mini dresses and get ready to soak up the sun. Mini dresses are flattering for all body types and styles, from girly to boho and from sexy to sophisticated, but you might be wondering how best to wear a short dress in the summer. Get the lowdown on how to wear a mini dress, including advice on what shoes to wear with them in this article.

Covent Garden, in the heart of London’s West End, is a fantastic place to have your office. With an unlimited supply of restaurants and bars, it’s great for team bonding and client wooing. If you’re still on the hunt for an office space in this bustling part of the city, these five tips will help you narrow down your search.

If you have a spare bedroom in your home, more often than not, they become an unused area or a dumping ground for storage. Rather than neglecting this space, there are things you can do which can transform your spare bedroom for the greater good.

Small businesses can often find it challenging to compete with the more established corporations, which can lead to a wide range of issues, such as struggling for customers and finding it difficult to achieve the growth you need. Still, small businesses can find the success they want by offering something different, and one way to achieve this is by creating a better connection and learning how to build strong relationships with customers. 

The intimate manner of home businesses will also be more approachable than large corporations that make the entire experience feel too impersonal. If you are running a small business and want to connect better with your customers, especially if you operate out of your home, consider these useful tips to make effective changes and attract more customers.

We all know that self-care is essential for health and well-being, but in our busy lives, sometimes we don’t take the time to look after ourselves as much as we should. With burnout becoming more common, it’s becoming increasingly clear that we must do more to prioritise our mental and physical health — especially in the winter months when shorter days and dreary weather might make us feel blue.

I first wrote about the Shopmium UK app in 2018 and I have been using it ever since.  The Shopmium app is a great way to get coupons for money off food and other items in popular UK supermarkets.  If you’re not already signed up for this free app, then I have a Shopmium promo code that will reimburse you 100% for a regular size tube of Pringles!

How do you make a minimalist capsule wardrobe?  There are many benefits to having a capsule wardrobe to save yourself time, money and to be more sustainable.  But how to get started with a capsule wardrobe when you already have a full wardrobe of clothes?  Do you really need to go and buy new pieces to get started?  And what are the essential items that you need to include in a capsule wardrobe.

The truth is, there are no rules to having a capsule wardrobe. You can create your own system, or follow one that already exists. However for inspiration for how to start a capsule wardrobe, remembering the essentia items you need, and a reminder of the benefits of having less clothes, read on.

There are so many benefits to being self employed (including more freedom of time, more money, and not having to answer to a boss) that more and more people are choosing to do so. It is relatively easy to set yourself up as a sole trader and begin work. However, there are some crucial points that you will need to remember to be successful and get everything right and be above board. Read on to find out more.

Webinars have been a popular marketing strategy, especially these days when face-to-face interactions are limited. Due to their extensive advantages, big and small business owners invest in webinar marketing to ensure that their brand stays on top despite the intense market competition.

Search engine optimization is a complex process that requires a lot of time and effort. It is not always something that you can do on your own or that you have the time to do as a successful website owner.

For small business owners, time carries considerable value. Outsourcing the logistical aspects of your company’s backend ensures that you have more of this valuable time to focus on where your business is heading rather than what it needs to do to stay afloat. In addition, outsourcing these overhead processes ensures that you have management, financial, and technical expertise on your side to make essential business decisions.

Launching your own business can seem like a daunting task. The business world is highly competitive, so you must be sure of your idea and have a detailed plan you can follow.

Your business will, hopefully, bring in plenty of cash. However, there’s no avoiding the fact that, in this day and age, you also need to spend a fair amount of money if your business is going to be the best that it can be. However, while there’s little doubt that you’ll need to invest in your business, how much you spend is within your control. If you’re able to take a smart approach to your business finances, then you’ll spend less, and that’ll ultimately boost your bottom line. In this blog, we’re going to look at a few tried and tested ways to limit the amount that you have to spend for your business to succeed.

Essential oils are a popular natural remedy for a variety of health and wellness needs. These oils are not just a trend: they have been used by many cultures for centuries and they can be used in so many ways. You can buy them at the store or create your own blends using different kinds of oils. Using essential oils, you can create your own customised essential oil blends to address specific needs.  Creating your own essential oil blends could help to save money in comparison to buying readymade blends as you'll be able to buy your ingredients in bulk and make a saving. 

In this article, we will discuss the benefits of essential oils, as well as how you can use them to create your own personalised blends that will help you maintain a healthy lifestyle.

The cost of running a home can be tremendous. It can seem like there’s always something that needs fixing, and in every instance, it can be a costly expense.  Maybe you are looking for some helpful tips on how to reduce home maintenance costs, especially given the state of the economy right now.

Clothes are one of the biggest spending categories for many people after normal bills and household outgoings. We all want to look our best when we go out into the world, and the right outfit can have a huge impact on our mood and confidence. Fortunately, if you’re looking to save money without compromising on the quality of your wardrobe, there are many ways to do so if you invest in clothes and make the right choices.

You will need to put care and planning into your wardrobe to ensure you get good value for money and quality.  Doing so can be cost-effective in the long run and can help you to save money on clothes shopping overall. This article will explore some of the best ways to save money and invest in clothing at the same time.

Investment in precious metals can be an excellent way to diversify your finances. When it comes to precious metals, there are many options that you can consider for investing.

The notion of cyber security is thrown around a lot now that we are in the digital age, but what does it actually mean? Cyber security refers to the processes involved with keeping you safe online. This includes anti-virus software, malware, and software updates. These systems are still necessary for the modern age, but technology has moved on since then.

Annuities are not inherently bad or good, but they are complex and you should understand the various components of them before committing to one.

Do you want to renovate your kitchen area? If so, you will need to choose a sink mixer that's perfect for your style. Although it may appear to be a lovely piece of kitchen accessory, your sink mixer must also function flawlessly over time.

A will or a testament is a law-binding document you create when you are alive, and it executes your estate plan after your death. It establishes your legal guardianship status for your child as well as the smooth transfer of your funds. The will is a comprehensive document that outlines all your assets and their distribution. It may include information about arrangements for existing accounts or care for elderly parents. 

It is best to write your will when you are still alive. It gives you a chance to distribute your assets according to your own choice without any legal complications. 

Your testament will decide the future of your assets and family care, so invest your time and energy while creating them. Here are the steps you can follow to get it done simply and easily.

We usually think of programming as a skill that is reserved only for the most computer literate among us. And that if you want to learn how to program, you need to be able to type 90 wpm (words per minute), while simultaneously scrolling through miles of text, and tons of images spread across multiple screens. Actually, nothing could be further from the truth. We all know that learning to code can be hard. But it's not impossible. And the benefits are worth it. Programming is more than just a skill; it's an empowering tool for self-expression and personal development.

Learning to code is a rewarding, challenging, and empowering experience. Even if you don't pursue a career in software development, learning to program will make you a more creative and strategic thinker. Learning to program is one of the most intellectually demanding and rewarding pursuits a person can undertake. Learning how to code teaches us how to think. 

Table tennis seems like it’s one of those sports that looks fun, but you just seldom get the chance to play it. It also feels a bit old-fashioned, since these days, most people won’t instantly think of table tennis when they think of sports they want to get good at. However, table tennis is starting to see a little bit of a resurgence lately, with some businesses even popping up, focused on providing a place for people to gather and have fun with the sport.

A ping pong table is the perfect addition to any family home. It is a game that everyone can play, and it's always a great activity for kids and adults alike. Learn why this timeless game should be in every home.

There’s a general perception of truckers being strong and tough, and in a way, that’s true. After all, being strong and tough is almost necessary for handling the rigors of the job. Truckers deal with long hours, stressful conditions, and a lot of time away from home.  However, the mental health of truck drivers is often overlooked, but it's crucial to their ability to work and stay safe. This post offers 5 important tips for boosting trucker mental health.

Some of the spreadsheets that we encounter contain large data sets that may be difficult to analyze. Google Sheets has a feature called conditional formatting that can make things easier for you.

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?

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.