Students: How to survive on less cash

One of the challenges that students face, apart from the piles of coursework that they have to do, is the fact that they will have little cash. Some students will end up having a lot less cash than they are used to, but their expenses could be higher.

So how can any student survive on less cash, without going hungry or eating the same food all the time? Here’s how:

Work out how much money you do have

this could include your loans, your salary from any job you do, and money from your parents. Once you’ve worked this out, you then need to go through how much money you’ll need for bills and food.

Try to leave aside money for alcohol, new clothes, take outs and anything else that isn’t a necessity right now.

If you live in rented accommodation, rather than on the university premises, you’ll need to make sure you have enough money to pay the rent, gas, electricity, water, insurance and other household bills. A great tip is to pay the rent as soon as your student loan or grant comes through. This way, you know that you’ve paid it, and you won’t risk spending it on anything else.

Work out how much money you have left


It may not be very much, but that doesn’t mean you’re going to starve or go without. You may want to save up for that fancy new gadget after reading a fenix tk16 review, or you may want that weekend away somewhere, but be prepared to make sacrifices if needs be.

The money that you have left, should ideally go on the food you’ll need to eat while you’re studying. You may be used to eating certain brands of food, but here’s where you’re going to have to lower your expectations and your expenditure. Buy value brands, as they are often cheaper, but exactly the same as some higher priced brands. Look out for bargains in the supermarket, but make sure they are still value for money. You can cook a healthy meal for very little money, as you will see when you visit the local market each week.

Although becoming a student and having less cash can be a culture shock, you can and will get through it. Treat this time as a means of testing how well you can cope, and try to save as much money as you can, while ensuring you have 3 meals a day, pay your rent, and study hard

The cost of looking after your data

FlashDriveMany of us have data that we would rather keep private; whether it’s work-related data, or personal data, we don’t want people snooping in and viewing the contents. The good news is there are a lot of data storage solutions out there, but they can cost quite a bit of money.


So what can you do to keep your data safe, and away from prying eyes, without spending more money than you really need to? The fact is that you need to shop around, and see what you are offered. The services that could be on offer to you will vary, dependent on whether you run a business, or you’re an individual who wants to stay protected.


If you are looking to protect your data from a business point of view, then services such as

global reference data solution are available. This type of service can store and encrypt your data in impressive ways, keeping it safe and out of harm’s way.



Why should we look after our data?


In this day and age, we need to be a lot more security conscious that people needed to be in the past. This is because there are those out there who want to gain access to our private data in order to steal it, or corrupt it so we cannot use it again. It is a sad fact that there are people like this out there, but they do exist, they are a real threat, and we all need to do what we can to protect our data.



How much does it cost?


The cost will pretty much be dependent on who you are, what you want to look after and how much of it you want to protect. An individual who has 10 GB of data that basically consists of a few files, some photographs and passwords, will not be charged as much as a business that has 2 TB of data that contains a lot of private information,


The price also depends on who you use to help you protect your data, but you can be sure that whoever you decide to go with, will offer you competitive prices, and probably a few freebies in there too.


Organizations that help us to look after our data are cropping up everywhere, and my advice is to use one that offers you a good service, and can prove they take your confidentiality seriously.


When you find the right organization to look after your data, you are likely to feel a little more at ease, knowing everything is in safe hands.

The Financial Implications of Moving to a New Home

Whether you are a first-time mover or you have tried it a few times, you may not have the idea of what exactly you have to consider before you move to a new home. There are several financial implications to take into consideration- especially the ones that most people have not thought of. Here is a list of some of the lesser known expenses of movie.

Utility Deposits

One of the things that many new movers fail to plan for is utility deposits. Even if you are just transferring your services, it is very likely that you will still have a small fee for the switch. If you are a new customer, however, you may end up paying $100 or more per utility. Keep this in mind and be sure to set money aside for this before you move. If you want specific amounts, call the utility company far ahead of time to fit it into your budget.

Replacing What was Left Behind

Often, it is easier to put some things in the trash or sell them in a yard sale than to bring them as you move between cities or states. Before making the decision to pitch something, remember to account for how much it will cost for the thing you intend to replace it with. Some bulky items (such as the pull-out couch that is never used) may cost more to transport or store than they would to replace.

Miscellaneous Groceries

Often, the cupboards of our home is stocked full of various spices, canned goods, pasta, and other relatively non-perishable items that we have taken granted over the years. Additionally, our fridges often have condiments, dressings, and more that we consistently pair with meals and snacks.

Even though these types of things are often taken for granted, it can take as much as $100-$200 per week for a few weeks until you actually start to build up your grocery supply again. If this is an issue, than it may be a better idea to think before you throw out the contents of your can and spice cupboards.

Miscellaneous Household Items

Another thing that is often taken for granted is cleaning supplies, light bulbs, toilet paper, and more. The cost of these items can really add up, especially if you have to purchase them all at once. Unfortunately, it can be rather dangerous to transport chemicals and lightbulbs, so this is not something you can bring from your old home.

Instead, budget at least $100 to stock up on these essentials, maybe more. You can get a better idea of a budget by going room to room and making a list of all you need to buy. Don’t forget about garbage cans, storage containers, hair products, and similar items.


If you have thought of these expenses, great job! You are on your way to becoming an experienced mover. If not, don’t worry! Now that you know what expenses to plan for before moving to your new home, you can prepare.


Movers NJ –

Wikipedia – Moving Home

Tips for keeping your books in order

fpQT15K3If you run your own business, you’ll know how important it is for you to keep your books in order. I know 5 other business owners and sadly not all of them regularly keep their books in order.

As well as making life a lot easier for yourself, making sure everything is as it should be is just good practice. If you’re not sure how to keep your books in order, or you’re struggling, read the tips listed below.

Register your business

This is a priority as the government and similar organizations need to know that your business exists. This is so you can pay taxes and it could even mean your business receives much-needed funding too.


Keep all of your receipts

All of your business-related receipts should be kept hold of and recorded. It doesn’t matter how small those expenditures are, they need to be accounted for.


Get a business account

Ask your bank for a business account, and see what they can offer you. Some businesses are eligible for overdrafts, loans and other facilities.


Hire an accountant

If you’re not able to do the work yourself, or it would just take up too much time, then hire an accountant. Find one that is registered and has a good reputation. Remember to add your accountant’s bill to your company expenses.


Keep things simple

When it comes to doing your accounts, keep things as simple as you can, even if you’re passing paperwork on to an accountant. You won’t need any fancy accounting software, just have a book that has a column that shows your income and another for your expenditures.


Save money for taxes

Chances are you’re going to have to pay taxes. Rather than getting a nasty shock at the end of the financial year, why not set a specific amount of money to one side each month? This will ensure you find the tax bill less of a burden.


Get things done on time

It’s so important that you meet deadlines, if your books need to reach your accountant by the end of the week, make sure they do. If you find you don’t have enough time on your hands, hire a company like Ameridial who will do a lot of work for you, while you concentrate on your books.


Ask for payment

If a customer owes you payment, then make sure you chase it up. If you did the work in question, you’re entitled to the agreed payment. Trust me, asking for money will get easier over time, and in reality you need it to help keep the company profitable.

Bear all of the above tips in mind, and you’ll find that it’s a lot easier to keep your books in order.