Author page: Guest Writer

The 3 Core Principles When Managing Your Personal Finances

Inspiration LIFESTYLE June 21, 2019 0 Comments

Every single one of us has personal finances, whether we are an employee or self-employed, we own our own house or not, or we are a student or the CEO of a Fortune-500 company. There may be different ways in which we approach our personal finances, and indeed there may be different ways in which we manage it. Some people will use a team of accountants, whereas most of us will rely on a financial advisor or just ourselves, perhaps with a little help with some accounting software.

And yet the objective remains the same: to understand and effectively manage our finances. In this respect, the core principles, which can be broken down into 3, remain the same!

Create a plan, and stick to it, including your budget

This could be split into three distinct components of planning, executing and budgeting, but when you think about it, it all really boils down to the same thing: understand what you want (and have) to achieve. This will be intrinsically linked to the next point on debt, because a plan should factor in any debt that you already have, and thus want to get rid of, as well as the avoidance of any future debt.

Start by putting together some detailed goals: a five or ten-year plan if you will. In fact, it may be even more long term, covering you into retirement, for example. It will be best to include both longer and shorter-term goals because you don’t want a comfortable retirement coming at the cost of not taking a vacation for the next 30 years, for example.

The key considerations here are obviously your current earnings, your potential future earnings (set this out as a clear step), your assets, your debts, and then your costs. A properly fleshed-out plan will consider all of these variables, as well as the risks and opportunities that will arise over the coming period. These are impossible to predict accurately in the long term, but you definitely should think about health insurance, for example, just in case something does change in the future. What you absolutely cannot do is continue to live only in the moment. Build an emergency fund too in order to give you peace of mind in any circumstance.

Now, once you have your budget, there is no cutting corners: you must stick to it. If you don’t, then your plan becomes worthless. And when we talk about sticking to your budget, it’s not simply about spending no more than X amount per month, for example. It is also how that money is allocated.

“In order to respect the plan and your budget, you need to commit X amount to A (which could be your long-term objective) , X amount to B (which is your emergency fund), which then leaves you with X amount to spend on C (your short-term needs and wants). If you want to save for a vacation in a year’s time, then that means spending a little less on C each month to make up the amount you need, not taking something from pot A or B. This is all fundamental when it comes to respecting the budget,” states Ben Willough, a finance blogger at Academized and State Of Writing.

Eradicate debt

No one wants to live with debt: it is stressful, and seriously hinders you in reaching your financial goals. That is why, if you have debt, it must become the first priority when building your financial plan and setting your budget. Your plan must set out a debt elimination process, by which you seek to eradicate your debt as quickly as you can.

If your debts are split, then formulate a plan which looks to pay off a little of each debt every month. However, if one debt is inflicting serious interest, then this debt becomes your priority. Once you have paid off that debt, you can then move on to the next.

I always advise finding creative ways off assisting this debt elimination process: for example, by selling off any unwanted items, getting a second job simply to pay off those debts, if time allows, or by cutting back on non-essential spending,” recommends Faye McCrae, a business editor at Revieweal and TopCanadianWriters.

Get advice when you need it

This is a key piece of advice, and goes a long way to explaining why people with the means have a team of financial experts batting for them. It is very difficult to know everything about everything you need to know, so sometimes we must seek out advice to assist us in our financial planning. That may be an investment expert, a debt expert, or simply someone who can assist you in paying taxes and so on. There is plenty of software available which can assist too, and it’s mostly very easy to use.




read more

7 Helpful Tips to Write Fabulous Wedding Invitations

Weddings June 12, 2019 0 Comments

The wedding invitation is the guests’ first look at your wedding, even if it’s months prior. Do you feel daunted by the task of completing your wedding invitations? Unsure how to make them classy and properly worded to avoid offending any relative? Read on to find out everything you need to know about this key piece of your wedding planning.

1. Determine the style and color of your wedding

Before you start writing the invitations, it’s important to have an idea of the theme and style of your wedding, since your invitations will reflect this. The invitation will give guests a hint of the formality of the wedding, whether it’s classic, relaxed, modern, glam, etc. Browse other couples’ wedding invites to get inspired for your own, and don’t forget about the color scheme. You might wish to carry one hue or motif through all your wedding stationery, including menus, programs, table cards, and thank you notes.

2. Explore different shapes and sizes

You don’t have to stick with the traditional 4.5-inch-by-6.25-inch rectangular card that most people use for wedding invitations. Feel free to be more playful or modern by changing the size, or even the shape, but bear in mind that larger invites will probably incur a higher cost to send.

3. Make sure the text is readable

The text is the most important part of the invitation, and it’s important that the information is clearly written for all. Avoid a color scheme which makes the font difficult to read, such as light ink on a light background, especially yellows and pastels. Be conscious of the typeface as well, as some readers may have difficulty reading certain overly scripted font styles

4. Pay special attention to your wording

There are specific rules of etiquette to the wording of an invitation. It is customary for the host of the ceremony to be listed first on the invitation, often followed by a line requesting the honor of the guest’s presence. Everything should be spelled out, including the time of the ceremony and reception. The wedding invitation should also include critical information such as the couple getting married, the date and location, the hosts, and the method for RSVP. As previously mentioned, the wording should convey the level of formality of the wedding.

It is critical to write accurate invitations which are also clear and reader-friendly. Below is a list of tools which could be helpful while drafting your invitations:

5. Don’t put overwhelm your guests

Put only the key information for the ceremony on the invitation, as previously outlined. If you try to include too much on the invite, it will look cluttered, inelegant, and will be more difficult to read. Any details, such as the couple’s love story, details about the reception, and direction should be left for your wedding website or enclosed as a separate card. Stacey Fordham, a writer at Stateofwriting and Eliteassignmenthelp would like couples to know that “it is considered poor etiquette to put your wedding registry information on your invite; that information belongs only your website.”

6. Ask a professional to address the envelopes

Many couples choose to hire a calligrapher to address the envelopes, and we think it’s well worth it! It looks very elegant and personalized and makes a great impression on guests when receiving the invite. If you decide to address them yourself, do it in a few sessions so you don’t become tired or sloppy.

7. Invite by household, not by guest

If some of your guests share a household, you can send one invite per household instead of per guest, allowing you to cut your invitation number down. Families and couples who live together can get one invitation, with individual names listed on the invitation. Don’t forget to capitalize proper names and titles, and use guests’ full names instead of nicknames.

The wedding invitations are a critical part of the wedding planning process. Not only is it the first look at the wedding for the guests, but they also share highly important information for your special day. By following the steps above, you can ensure that your wedding invitations not only look and feel fabulous but are also worded properly and avoid any confusion that guests might have towards wedding details.

read more

My Decagon Experience

LIFESTYLE Reviews June 6, 2019 1 Comments

My Decagon Experience My dreams of becoming a reputable civil engineer who worked with one of them multinationals crashed with the falling oil price in 2015. The oil companies and oil servicing companies I grew up around in the city of Warri had pulled away and scampered off to safer environments. 3 years later, I stood with Uloma gazing into…

read more

Fashion And Lifestyle: A Copy And Paste System You Have To Edit To Suit Your Taste!

Fashion FASHION and STYLE May 30, 2019 0 Comments

Fashion And Lifestyle When we talk about fashion, it is like a tree with many branches; it spreads out to clothing, footwear, accessories, makeup, hairstyles and lifestyle. It moulds our everyday life. People, each day, look for ways to style their clothes better and differently, what hairstyle fits them more, how they wear their accessories and cosmetics that makes their…

read more

Life Of A Warrior: Growing Up And Having To Deal With The Certain Uncertainty!

LIFESTYLE Stories April 9, 2019 4 Comments

Life Of A Warrior: Part One I remember growing up and having to deal with the certain uncertainty; I had visited several hospitals and had the same test result – but I still didn’t stop getting ill. That doubt messed with me a lot and sometimes made me wonder if my genotype wasn’t really what they said it was. You…

read more