Category: Content

As we continue to struggle during the COVID-19 pandemic, businesses have a lot going on. From the decline in production to rising health concerns among the workers, it is hard to stomach everything.

Besides the epidemic, climate change is another factor impacting the ROI (return on investment) for leading brands worldwide. As per various reports, it is pretty visible that the climatic conditions around the world are changing. However, as things stand, climate change is happening, and it will impact lives as we know it. Thus, let us discuss climate change’s role in leading brands worldwide.

Climate Concerns Among Consumers

Unlike in the previous era, when there was no internet, and people were unaware of what was happening around them, today, people are very much aware of what is happening around them, especially regarding climatic changes.

There are many research papers in which the public calls the industry leaders to ensure every product is sustainable enough. Consumers currently want brands to use renewable energy sources to tackle climatic changes.

Impact on All Ages

Most brands worldwide do not offer products for a single age group. Instead, they provide products for every age group, intending to expand their horizons. However, these businesses must be aware that climatic change can affect every age group.

Thus, they must counteract accordingly to ensure their business practices do not halt during the significant climate shift. In other words, they should ensure their products are sustainable enough to withstand climatic change. Moreover, they should not compromise on sustainability in a limited number of products. Instead, they should implement it on every product belonging to every group.

The Buying Pattern of Consumers Amidst Climatic Concerns

These days, consumers are interested in the products they choose and the impacts they have on their daily lives. Thus, customer-centric businesses must be wise in strategizing to ensure that they are fighting climate change efficiently. Unarguably, some brands are resonating with their consumers’ needs and acquiring success indefinitely.

The bottom line is that more and more companies understand the economic need to adopt a sustainability mindset. Thus, as we move into the second half of 2020, it is predicted that other brands will strive to achieve a similar feat. However, without adequate strategizing, it will be next to impossible to ensure success in today’s changing climatic conditions.

A Direct Result of Climate Change on Brands – Current Analysis

You cannot win the battle against hunger due to climate change, as it is a significant hindrance. There is a prediction that the peril of starvation will increase by up to 20% in 2025. This statistic is the direct result of climate change. All these concerns are stimulating the brands to take severe measures to resolve all this. Hence, the prevention of food now becomes a necessary aspect. Brand’s scorecard should look forward to what successful food enterprises strive to diminish greenhouse emissions. During their supply chain’s journey, they try to assist agriculture sectors and farmers adapt to a changing climate. Understand the direct effect of climate change on brands. Let us see what a famous and global brand reveals in this regard.

• Unilever – It leads to the scorecard on the climate with the rising score that is (9/10) in the entire scorecard. The enterprise has effective strategies for deforestation and palm oil, plans for its suppliers, and appeals to administrations to take measures. We expect that they will endure to display management and go even ahead.
• Nestle—It is growing to the climate trial with rock-hard plans on deforestation, palm oil, agricultural emissions, and encouragement meetings. There is still scope for development in the employment of promises, renewable energy ambitions, and setting science-based goals for emissions drops.
• Coca-Cola—An ex-leader on climate change, Coca-Cola is now in the center of the pack as other businesses have important reputable obligations. There is an actual chamber for perfection on problems such as developing robust emissions reduction and renewable energy aims and moving toward employment in matters like attempting deforestation across supplies.

About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.

Digital marketing is trending these days. Staying updated with current business requirements is essential to meeting customers’ expectations. To improve your marketing strategies, you must include various tools and techniques to impact your digital marketing significantly. 

Social Media Tools

Social media applications are the most used on the web, mainly because of the evolution of smartphones. An average person with an internet connection spends almost five hours a day using social media applications. Therefore, community managers and network management tools have become essential for businesses.

Hootsuite software

Hootsuite is the flagship application for social media management. First, it is available on all operating system platforms (Windows, Mac, Android, iOS, Linux, Windows mobile, etc.).

The app also allows you to manage several publications on social networks simultaneously, schedule publications well in advance, and search for groups or communities created by other administrators. This option is not trivial. It will enable you to analyze, as far as possible, the feedback of your marketing activities on several connected objects.

The Buffer app

Although it is less recommended than its Hootsuite rival, the Buffer software remains a serious alternative. For a good reason, it incorporates many helpful and practical features. Indeed, this app also allows you to manage publications on social networks. Also, it offers an attractive, complete design and good stability.

Over graph software

Over graph is promising software created by the 909c firm based in Montreuil, Paris region. This young application is already well-established in the community management sphere. It offers data visualization, which is essential for monitoring.

Buzz Sumo app

Buzz Sumo is an essential accessory for community management. It allows you to find the contents of a web page and then publish them on social networks or display the links of the pages.

Tweet Deck for tweeters

This fundamental tool allows you to schedule publications and manage multiple accounts on Twitter. Unlike traditional community management applications, the app offers new options. Most of its features are not found in other software.

E-mailing tools

The term e-mailing is well known in the field of direct marketing. It is a commercial communication technique that sends e-mails to Internet users. In addition to attracting many Internet users, this process combines the advantages of low cost and simplicity. Here are the tools for a successful e-mail campaign:

• SAS software

There is a multitude of e-mailing software. Making the right choice becomes difficult. However, in this tide of applications, the SAS software is doing well by offering one of the best offers in the field.

It is a solution that offers many functionalities that can be easily used. These advanced options allow you to perform an e-mailing action efficiently. Its many features make it a simple and practical accessory for many companies worldwide to use.

• Sendinblue

The Sendinblue e-mailing tool is probably the most versatile and accessible solution on the market. Indeed, its overly aggressive prices and simplicity allow this software to adapt to all budgets and strategies. In addition to its great value for money, the Sendinblue solution is available in several languages, including English, French, German, and Spanish.

• Get-response

This bilingual software offers an extensive range of advanced options. Also, its use and interface are remarkably simple. These numerous solutions each have their advantages and disadvantages. However, it is important to note that the main benefit of e-mailing lies in the low cost. Indeed, no need to spend more than $100 per month sending more than 5,000 e-mails.

Despite knowing all the tools, it can be challenging to introduce all these practices into a company’s digital marketing process. Sometimes, it isn’t easy to get the most out of technology. It is better to hire experts to improve impactful digital practices.

Content Marketing Tools

Schedule and HubSpot are the best tools for those who are the central focus of work in content marketing. Both will help you create and curation digital content. As a marketer, you can identify the content’s upcoming opportunities. Engaging blogs and social media posts are two of the things that will resonate with your targeted audience. All marketers have learned that fans are concerned about your business performance and need your help with their queries. Therefore, business owners work hard to make highly influential content as people always wait for the latest events or news.

About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.

In essence, a hobby nurtures your well-being, while a side hustle contributes to your financial prosperity. This article aims to briefly elucidate the distinctions between these two endeavors. We hope you find it insightful and enjoyable to read!

What is a Hobby?

The term ‘hobby’ dates back to the 13th century. This historical fact indicates that humans have long harbored a natural inclination to delve into activities that enable them to explore their inner selves, comprehend their capabilities, and seek a form of leisure that allows them to rejuvenate their mental and physical well-being.

In his book Psychological Aspects of Hobbies, William C. Menninger illuminates two significant points. First, he underscores the notion that individuals are not mere machines and necessitate both recreation and rest. Recreation, in this context, entails engaging in activities distinct from one’s professional responsibilities and that one finds enjoyable. It ought to be sufficiently dissimilar from one’s work to enable a complete mental detachment from it. The ability to mentally distance oneself from work is the real essence of recreation.

This elucidation effectively underscores the essence and objective of pursuing a hobby. Our intention is to equip our discerning readers with a clearer comprehension of what constitutes a hobby and how it is differentiated from a side hustle.

Statistics of Different Hobbies in America – Reported by Statista

• Cooking & baking- 39%
• Reading- 37%
• Pets- 33%
• Outdoor activities- 31%
• Video gaming- 31%
• Traveling- 27%
• DIY and arts & crafts- 26%
• Gardening and plants- 24%
• Board games & card games- 23%
• Socializing- 23%
• Tech & computers- 20%
• Photography- 19%
• Doing sports and fitness- 18%
• Meditation & wellness- 17%
• Writing- 17%
• Cars & vehicles- 16%
• Making music- 14%
• Other- 6%

This research brings to light the creative ways in which Americans engage in leisure activities to improve their mental and physical well-being. Engaging in activities that bring a sense of achievement and contentment can significantly boost mental health. In a time when mental health issues are prevalent and often unspoken, there is absolutely nothing wrong with participating in activities such as reading, writing, cooking, gardening, walking, cleaning, or painting to improve your day.

 

Numerous studies have unequivocally shown that pursuing interesting hobbies fosters independence and reduces stress and depression amidst life’s chaos. For me, reading, writing, and cooking are particularly effective hobbies. What about you?

What is a Side Hustle?

Today, it’s challenging to finance your needs with one income. The rising inflation has made it impossible to survive on primary earnings. However, if you are affluent, that’s a fortunate fate, but people living from paycheck to paycheck cannot meet their requirements. Additionally, the higher rates and monthly payments of loans have already discouraged mass from pursuing them. But, in the end, you must put the food on the table!

Now, is there a way out of this tragic life? Thankfully, the human mind has always discovered solutions to improve its well-being—a side hustle! It’s a fantastic way to supplement your primary income and feed additional money into your bank. You can also interpret it as monetizing your skills or hobbies!

What are Some Examples?

• Start a Blog
• Work as a Virtual Assistant
• Drive for Lyft or Uber
• Become a photographer
• Cooking
• Tutor online
• Become a transcriptionist
• Join a focus group or take surveys
• Teach English
• Start a YouTube Channel
•  Freelance writing

History of Side Hustle

The term “side hustle” was initially used in 1950 when conventional employment ceased, and people had to provide food for their families. The rest is history! Today, many people make a decent living outside their regular occupations through e-commerce, social media, blogging, and freelancing.

A side hustle is a side business that an individual pursues along with their traditional jobs. As mentioned in the examples above, it can be anything from creating a YouTube channel to even investing! A survey of 3000 Americans depicted how many individuals had engaged in a side hustle to appreciate their hobby or passion. In my case, writing! It started as a hobby but turned into a full-time job.

Side Hustles are Often Turned into Full-Time Jobs

To supplement a full-time job and pursue his passion for writing, Craig Brett of Freelance Writing Studio began his side business on the PeoplePerHour platform eight years ago. In addition, Craig was free to exit his primary job and now works for himself after six years of putting in 40 hours a week.

Craig claims that there were two significant motivators for me. The first was having the flexibility to work whenever I wanted, and the second was the extra money, which combined to make the shift seem effortless.

This example demonstrates that a side hustle has opened numerous doors of opportunity for many individuals; you can be among them, too!

Conclusion

After conducting thorough research and gathering facts, we have created this article with the intention of informing our readers about the difference between a hobby and a side hustle, which is often misunderstood. We genuinely hope that this article will enlighten you on this matter. It is important to understand the origin and concept of any term in order to comprehend the variations. This approach will help you gain a better understanding and easily grasp the difference, as applied in this article.

I hope you found this helpful. Have a great day! A side hustle is anything you do to make extra money while engaging in a hobby for self-gratification.

About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.

By packing your lunch, you’ll control what you eat and likely make more nutritious choices.

When you’re trying to save money, every little bit counts. If you’re spending $10 a day on lunch, that’s $50 a week or $200 monthly. That’s a significant amount of money that could go towards your savings goals.

In addition, packing your lunch is a great way to save money. You’ll be in control of what you eat, and you can make sure you’re getting the nutrients you need. Plus, you’ll have the satisfaction of knowing you made your lunch!

Here are a few tips to help you save money by packing your lunch:

• Plan and make a list of what you need to buy
• Buy in bulk when possible
• Pack leftovers from dinner for lunch the next day
• Make your lunch the night before so you’re ready

Yes, meal prep can take some planning and time on the weekend, but tons of healthy and delicious lunches come together quickly.

You can follow a few simple tips to ensure you’re packing a healthy and affordable lunch:

• Plan by looking at your fridge and pantry and seeing what you have on hand. It will help you avoid buying things you don’t need.
• Try to get creative with your lunch ideas. There are lots of healthy and delicious recipes online that you can make with everyday ingredients.
• Don’t forget to pack some healthy snacks for your lunch.

It will help you avoid getting too hungry and making unhealthy food choices.

By following these tips, you can pack your lunch and save money while eating healthier. So, pick up some extra ingredients next time you’re at the grocery store.

Another great way to save money is by cooking once and eating twice. When planning your weekly meals, ensure one dish has enough servings for two nights so you don’t have to cook again! Sometimes, this means preparing extra portions of certain ingredients at home, such as rice or pasta—be mindful not to overdo it!

For example, stir-fried chicken with peppers and onions tastes delicious but becomes terrific in an Asian-style sandwich wrap. Or try making baked tofu with broccoli slaw from scratch instead of store-bought salad mixes, which can cost up to $3-$4 per serving, depending on how many items come inside each packaging unit.

Get a little help from your friends! The easiest way to ensure you do it is to bring a buddy along for the ride.

The buddy system is a great way to keep your goals in mind and ensure you stay on track. If you’re going to be working out with a friend, make sure to do it simultaneously so that one of you doesn’t fall behind. The same thing goes for dieting: if a friend is trying to lose weight, ask them if they want help or would like suggestions. It can also be helpful to share recipes and healthy snacks.

This person should ideally be someone who has been there before—someone who knows what they are doing and won’t let themselves slip up while trying something new—having someone else around will also add some accountability. You don’t have to go crazy with making plans; call your friend once or twice weekly and chat about what each other made for food or share creative lunch ideas over the weekend. 

Some Easy Tips for Packing Healthy Lunches for Work

• Choose a healthy meal – Consider selecting foods from all five food groups: fruits, vegetables, grains, protein, and dairy.
• Pack a lunchbox—make your own or buy one with compartments to separate the food in your lunch.
• Bring a water bottle – staying hydrated throughout the day is good!
• Bring a healthy snack – this will help keep you full until it’s time for dinner! Try something low in fat like fruit or nuts; this way, you won’t go overboard on calories but still get some energy-giving nutrients while at work.

By doing this fantastic act, you will not only save money but also know what ingredients are going into your body.

There are plenty of healthy lunch ideas, but achieving the perfect taste takes time and energy. Despite that, pack your lunches and share in the cost savings and culinary pleasures! As mentioned earlier, you can do it with a buddy.

You don’t have to shop at fancy grocery stores or buy ingredients that aren’t familiar to you. You can still pack delicious meals if made from scratch using everyday ingredients readily available at any supermarket or big box store.

In the end, packing a lunch can be challenging, but it doesn’t have to be complicated. Whether you’re looking for inspiration on what to pack or need a few valuable tips, these strategies will help you save money by packing lunch.

About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.

In an era where lifestyle often trumps practicality, one silent budget destroyer often goes unnoticed, quietly eroding the bedrock of our financial stability and future prospects. Yes, we’re talking about that seemingly innocuous monthly expense: your car payment. While a shiny new vehicle sitting in your driveway does wonders for social status and personal satisfaction, it’s crucial to uncover the hidden truths about how and why your car payment could be sabotaging your future and the paramount importance of astute money and credit management.

The Stealthy Dream Snatcher: Understanding the Impact

Imagine you’re part of a common scenario: you’ve just signed the papers for a brand-new car, attracted by the sleek design and persuaded by the comfort of a warranty and the latest tech. The salesperson assured you of affordable monthly payments, making the deal seem like a steal. However, this is where the fairy tale ends and the reality begins.

A car, unlike a house, is a depreciating asset. From the moment you drive off the lot, its value dwindles. Essentially, you’re paying a premium each month for an asset that’s losing value at an astonishing rate. This would be somewhat manageable if the car payment was an isolated expense. However, when you factor in insurance, maintenance, fuel, and potential repairs outside of warranty, the financial strain intensifies.

Over time, this creates a significant dent in your ability to save and invest. The money tied up in your car payment could have been directed towards an emergency fund, retirement account, or investments, all of which offer the potential for growth and financial security in the long run. Instead, you find yourself in a cycle of working to cover depreciating liabilities.

The Future Delayed: Opportunity Costs Galore

One of the harsh realities of financial missteps is the concept of opportunity cost. Every dollar spent on your high car payment is a dollar not spent on reducing debt, saving for a house, or investing in your future. The interest rates on car loans can vary widely, often based on your credit score. If you’re not careful, you may end up paying significantly more for your car than it’s worth.

This leads us to the importance of credit management. A poor credit score can result in higher interest rates not only on car loans but on any form of borrowing. Over time, these overpayments compound, further crippling your financial flexibility and opportunities. Maintaining a good credit score, on the other hand, opens the door to lower interest rates, making your financial burdens lighter and allowing you to allocate resources more effectively toward your future.

Navigating Out of the Financial Quicksand

The first step towards reclaiming your financial future is to assess and realign your transportation needs versus wants. Practicality and reliability should trump aesthetics and brand prestige. If possible, consider buying a dependable, pre-owned vehicle in cash to avoid the cycle of monthly payments and interest rates.

If a loan is unavoidable, aim for a short-term loan with the most favorable interest rates and ensure the monthly payments do not exceed 15% of your monthly take-home pay. Moreover, resist the temptation of rolling over existing car loans into new ones, a common practice that only deepens the financial hole.

Simultaneously, embarking on a journey to fortify your credit score is critical. Simple steps such as timely bill payments, keeping credit card balances low, and avoiding unnecessary credit inquiries can steadily improve your score. Additionally, consider using financial tools and consultations to create a budget that prioritizes savings and investments over depreciating liabilities.

Investing in Your Future: A Call to Action

Redirecting the funds from what would have been a car payment towards investments can significantly alter your financial trajectory. The power of compounding interest means that small, consistent investments can grow into substantial sums over time, paving the way for financial freedom and security.

The transformation from a cycle of debt to a cycle of growth requires discipline, foresight, and patience. It involves making tough decisions today to enjoy a more prosperous tomorrow. By managing your money and credit wisely, you’re not just saving for the future; you’re investing in it, ensuring that your dreams and aspirations are not held hostage by a depreciating asset sitting in your driveway.

In conclusion, while a car is often deemed a necessity, how we choose to finance it can have far-reaching implications on our financial future. By taking control of our money and credit, we can steer clear of the quicksand that is the car payment trap, setting our sights on a horizon of financial stability and growth. Remember, every choice we make today shapes our financial landscape tomorrow. Choose wisely. About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.

Budget with purpose

This one task is the game-changer. Believe it or not, a monthly budget will first provide your current financial standings, then a correct demonstration of your spending and expenditures. It allows you to determine where the money is going and how to cut it off from unnecessary expenses. Upon making a budget, you must stick to it and locate the extra money you didn’t know you had. Then, you utilize that extra money in your loan repayments and gradually progress.

To be precise, it’s time to develop the excellent attribute of self-discipline while managing finances. In addition, you are a student, which translates to being well informed to improve your financial stability, shed light on financial literacy, and learn its golden rules.

Brush up on your financial attitude

Our subconscious values of money influence our thinking paradigm on managing finances. If you perceive your current life as enjoying and spending money without accountancy, it may lead to a financially unstable and indebted future life. How does it sound? Terrible, right? The impulse to instant gratification impacts our present and our future. However, if you change your behavior towards money, you can make noticeable progress in effectively handling debt.

If you undergo persistent struggles to control your debts, it’s time to reshape your thoughts about finances. It can be demanding initially, but the outcome is fruitful. Have you ever heard that it’s paramount to come out of your comfort zone to achieve success? Here the comfort zone can be excessive spending and prioritizing desire over necessities. To combat this negative psychological trait, one must enroll in a financial literacy course to professionally manage their debts.

Hunt for part-time jobs

It is a piece of efficient advice; getting a part-time job and studying can constructively keep your debt in check because these earnings will go straight into paying your repayments.

Assume you can perform part-time employment, permitting you to save $500 a month. That’s $6,000 you can put into wiping off your debts annually. Furthermore, you can receive an additional $7,040 per year without compromising your demand for financial assistance status.

Open your ears to school resources and career centers for open recruitment positions. Moreover, on-campus jobs are more understanding of your busy schedule. Furthermore, it’s an excellent opportunity to learn time management skills with real-world insights, earn money, and manage debts.

Ask for repayment assistance

Many employers have initiated offering student loan repayment assistance. In addition, they grant free college for workers who are enrolled in a degree program.

With leverageable tax treatment, employers contribute up to $5,250 to their workers’ college tuition or loan payment assistance through 2025. This perk is not counted in taxable income for the workers. It is an excellent benefit for employees looking forward to pursuing higher education while managing work. Converse with your HR department to figure out how they can support you in loan repayment assistance and what options are available at your firm.

Automate your monthly installments

Automate your monthly repayments if you battle against other financial responsibilities to meet. This method will work in your favor as it automatically pays your installment without effort. Plus, it will timely pay off, improving your credit score significantly.

Kill two birds with one stone

Maintain accurate documents of your loans and deal with financial challenges right away. As the record is concerned, monitor your monthly payments to stay informed and consider utilizing online platforms to manage loans efficiently. On the other hand, address your financial hardships straight away. If you face issues in repayments, investigate your choices and don’t put it off. Speak with your lender. He might modify your plans, change your due date, or get a deferment or forbearance.

Advantages of repaying student debts promptly

You can meet additional monetary objectives earlier. You’ll be focused more on life matters such as pensions, mortgages, and investments if you clear off your student debts soon.

It can boost your debt-to-income ratio. However, repaying student loans earlier can lessen your debt-to-income ratio and make it achievable for you to meet the standard eligibility criteria of other loans in the future.

The shorter the installment time, the lesser your interest rate will be. Furthermore, you can conserve hundreds of dollars by making early payments.

About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.

Tip 1: Buying shares or another form of Fund?

Asset management is the most accessible for novice investors. You can have your assets invested there and then outsource the buying and selling of shares. Investing for beginners is therefore no longer difficult.

You can also spread over multiple strategies or services. For example, you buy shares yourself and outsource some to an asset manager. Another option is to buy broadly diversified index trackers or funds in addition to your own chosen shares. You are, therefore, less dependent on the profit or loss of your strategy.

Buying stocks can still be fun and profitable. If you want to choose and purchase the shares yourself, read the following tips carefully.

Tip 2: Make an investment plan first

Most people buy and sell shares themselves because they like it. It is an essential factor in investing yourself or having them invested. But it is precise with these investors that the danger lurks that a good long-term investment plan is missing.

Many people start investing to earn more than the interest on savings, but then start investing without a goal and a precise long term. That’s a bad plan!

At a minimum, your plan should meet the following:

• You have a concrete investment objective.
• You invest for the longer term.
• You have determined your (periodic) contribution.
• The available amount does not have to be used in the coming years.
• You have sufficient financial buffer for unforeseen expenses.
• You have determined when or why you will sell again.

To earn with shares, you naturally want to sell for a higher price than you bought. But in practice, timing the right buying or selling moment raises many questions for investors. By determining your investment plan, you can decide what reasons would be for you to buy and sell shares.

Investing involves risks. The savings account is better if you only have an amount available for the short term. Or, in that case, look at the amount to be invested critically.

Don’t have an investment plan yet? You can easily create a successful investment plan with the five steps from this eBook.

Tip 3: Gain knowledge about buying shares

Basic knowledge is necessary before you buy shares. What exactly is a claim? How do you determine the value of the share?  

Many online brokers allow you to use fundamental analysis. For example, you can use this to determine the value of a share. And using the technical analysis offered, you can interpret graphs, for example, to choose your buying or selling moment. If you are unfamiliar with this, such information will come to you immediately. How do you use these analyses?

Below are some suggestions where you can gain knowledge:

• The book “The Intelligent Investor” by Benjamin Graham. According to Warren Buffet, the most successful investor ever, this is the book you must read to be able to invest. The book teaches that your character and attitude determine the money you make. Your behavior during stock market fluctuations can cause you to make or lose a lot of money.
• The book “Common Stocks and Uncommon Profits” by Philip Fisher. Morningstar calls him one of the best investors ever. Fisher describes, among other things, a 15-point model for assessing the potential of a stock.
• With the book “Investing for Dummies,” you can quickly acquire basic knowledge about investing.
• In the Netherlands, IEX.nl is the best-known website for financial news and background and share price information. Here you will find more information about mainly Dutch shares.
• Finally, an investing course is also an option

Tip 4: Know which products you buy

which stocks to buy? Invest in products and companies you understand. A wise lesson from Warren Buffet is, “after you think, then think again.” He states that if he can’t write down different reasons for buying the stock on a piece of paper, he doesn’t believe the stock.

The same applies to the choice of the type of product. At a broker where you buy shares, you often also have the option to invest in options, turbos, CFDs, or futures. You can use these products to increase your potential return or go short. But don’t be tempted too quickly. These products also entail additional risks. Only sponsor products you fully understand and for which you can think of good reasons.

Tip 5: Spread your risk

We often see it happening in practice; investors who state that they do not want to take too much risk but, in the meantime, invest in only one or a few shares of companies. Even when it comes to a stable oil company or a large bank, we still speak of a hugely offensive or speculative investment portfolio in this case. In comparison: professional asset managers put together a much more diversified portfolio. For example, an average risk profile usually involves 50% equities and 50% bonds. And the portfolio is also spread worldwide over at least ten, but usually hundreds of underlying companies.

Some companies pay an excellent and stable dividend; part of the profit goes to the shareholders. You can generate an income stream by paying the dividend to your contra account. But don’t forget that these shares can still have a declining price. You always run a price risk. You can reduce this risk by spreading it.

About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.

Did you know you can lower your utility expense and establish an eco-friendly environment?

While purchasing energy-efficient appliances, take these simple steps:

Firstly, determine your style and size. Then, for a good fit and stylish device that complements your home and makes you happy with your purchase, ensure it fits the space dimensions and takes up as little space as possible while leaving enough ventilation.

Determining the model is crucial to acquiring and evaluating the cost and the expected power consumption. In many circumstances, purchasing the priciest, the more energy-efficient design will save you dollars in the long run.

Inquire about special energy-saving deals: Purchasers frequently provide refund amounts, reduced financing, or other incentive schemes to persuade them to acquire energy-efficient equipment. Take advantage of this program and save a fortune!

Most importantly, look at the Energy Star logo, which indicates that the equipment is much more environmentally friendly than the typical comparable model. The US Department of Energy and the Environmental Protection Agency runs the Energy Star program.

What are some best and most essential Energy Star Appliances?

1. Refrigerator

According to authentic research, the standard refrigerator consumes roughly 7% of your monthly electricity costs, ranking it the seventh most energy-intensive item in your household. Furthermore, several Americans possess a second refrigerator, implying that about 15% of their energy is spent keeping refreshments chilled. That’s intense. We advise you to invest in a potentially energy-saving refrigerator to save energy and lower your utility bills.

Try to look for the blue ENERGY STAR logo; the government-backed emblem for energy conservation is an imperative and simply great way to know. However, if you believe that ENERGY STAR appliances are out of reach, sigh a relief; the technological advancements in energy efficiency have entirely transformed the appliance industry. As a result, ENERGY STAR appliances are now economical and accessible to the public.

2. Washing machine

Life runs smoothly and neatly if you have an excellent and highly efficient washing machine. Who doesn’t want to appear chic and clean in meetings, social gatherings, or at home? In contrast, if your washing machine is operating poorly, get an energy-saving one now! Kill two birds with one stone. Lower your bill and energy consumption! Before selecting a device, consider these factors first; High-efficiency (HE) washers consume 33% reduced water and a quarter of the electricity, saving an estimated $370 in energy costs throughout their life expectancy! Furthermore, your conventional washing may be costing you money. According to statistics, older and inefficient washers cost $185 more yearly than their contemporaries.

3. Dryer

Indeed, ENERGY STAR-qualified laundry dryers are the best energy efficient as their washer-dryer equivalents; they require roughly 20% less energy, that’s a lot! Furthermore, they assist you greatly since they can save you around $215 in electricity prices throughout the appliance’s duration. In addition, whenever selecting a dryer, there are a few other features to consider: If the equipment features programmed or detector drying, both of which might assist save power.

4. Dishwasher

These machines are packed with intriguing features like dust detectors that determine how dirty your plates are, allowing them to use increased water filtration and water-saving sprays.

On the other hand, Dishwashers are one of the priciest domestic appliances on this list. So, contrary to your washing machine and other appliances, which we advocate buying before your old one breaks down, you might want to buy a new dishwasher after exploring their exceptional features and convenience.

5. Your Freezer

An additional freezer is undoubtedly the most extravagant equipment, and many American houses today do not have one. These appliances use somewhat more energy than a refrigerator on average, but replacing your old freezer with an energy-saving model can save you just around $200 over the following five years. However, if you can’t live without your deep freezer, you might want to look for an energy-efficient model the next time you need one.

The Importance of Energy Conservation for a Bright and Better America

Our surroundings are fundamental. We need to take better care of it, which involves selecting equipment that conserves energy and minimizes pollutants. It’s a prime example of spending your money to vote.

This equipment will save you money, but it will help improve the ecosystem, which we are passionate about. We will continue to promote alternative energy and a better knowledge of energy efficiency because it is the road to a healthier, better, and environmentally friendly future. About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.

Many people think of a cheap newlywed’s dinner as a dining hall on the outskirts of town with unpretentious costumes, “a la local market,” a small number of guests, and not the best banquet food. So, let’s try to dispel some of these myths.

Its soul poured into the wedding’s planning, the newlyweds’ organizers’ inventiveness, and the desire of family and friends to assist in the preparations are the main prerequisites for a memorable celebration. Examine the wedding’s estimated costs. Establish a business plan for both a low-cost and a high-cost alternative. Using the services of an event firm to plan a celebration will be significantly more expensive than planning a wedding on your own.

American style – an option for an inexpensive wedding

One way to save money is to choose an appropriate wedding theme: the rustic design is trendy. A low-cost celebration will require you to “work,” but the effort will be worthwhile. Buffet in the woods is a fun event; choose the newlyweds attire that matches the wedding theme; construct your wedding flowers and decorations, and consider the holiday situation.

Departure to nature – an economical option for a banquet

Getting out into the environment instead of a typical dinner can enable active newlyweds “keep up appearances” at the registry office while also providing independence, the chance to fool around again and enjoy time in a way you want. Leasing a minibus for visitors will be less expensive than booking a restaurant or calling a food service. Offer to assist mothers, sisters, and girlfriends with reception dishes. Men will deal with meat in a dignified manner. It would be best to use photographs and video equipment to capture beautiful moments during a romantic vacation.

Choosing a venue for the celebration

And save money on your wedding, choose a restaurant or cafe for the ceremony. Focus on the following details:

• Location. Popular establishments are usually found near the city center. Gatherings, weddings, and the cost of the food served at them are not inexpensive. The cafe’s distance from the city’s center plays right into the hands of couples who like to host a low-cost but high-quality wedding reception.
• The name of the marriage restaurant promoted well-known cafes aren’t afraid to include a portion of their “fame” in the price of their services. They frequently provide discounts to entice clients. If you want to save money:
• Seek a new, recently launched institution.
• Book a dinner in advance after deciding on a cheap wedding venue.
• Make a contract outlining the prices for the wedding menu’s dishes.
• Wedding conditions Live music and animators are available in most modern cafes and restaurants. A service like this will be less expensive than hiring outside musicians for a ceremony. You can negotiate the cost of musicians’ assistance with the administration and include a contract clause.
• Vacation time. The “down season” for the restaurant industry is generally the end of autumn, winter, and the beginning of spring. If you prepare for a wedding around this time, you will be eligible for bonuses, promotions, and savings.

How to organize a cheap wedding in nature

Its registration office’s banquet hall. After seeing the solemn painting, have you decided to go on a belated honeymoon? Order a mini buffet in the registry office’s banquet area and make your friends and relatives happy by planning a low-cost marriage. Banquet hall of the registry office – we save on wedding expenses.

Invite a small number of guests

A more significant number of guests means more money. Bosses, distant relatives, and “essential” acquaintances are frequently invited “because it is usual.” If you want to keep the wedding costs down, talk to your future husband about inviting only your closest, dearest friends, who you are usually happy to see.

Reduce the cost of newlyweds’ outfits

Want a bridesmaid dress to rent – this will allow you to save money on this aspect of the wedding budget. Another cost-effective but dangerous option is to order a bachelorette outfit from a foreign or domestic online retailer. In this situation, go with a model you’ve already tried on at a grooming boutique.

How to save money on bridal outfits

The abundance of high-quality yet less expensive shoe options allows you to select shoes that will serve you well in the foreseeable. You will consider your potential savings that some order processing time will fly past. When repurchasing a suit for the groom, think about how your cherished spouse will look on vacation or at work.

About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.

Managing your grocery list can be daunting, especially when you are a student on a budget. But with a little organization and planning, you can ensure that you get the most out of your groceries and stay within your budget.

Keep it short- simple, and to the point

Regarding grocery lists, less is more; the longer your list, the more time you’ll spend wandering up and down the aisles trying to find everything. Think about it- going to the grocery store to buy a few things, not an entire list of groceries.

Instead, keep your list short and simple- a few items you need for that week’s meals. It will save you time at the store and help you stay on track with your budget.

Stick to a budget- know what you can and cannot afford

It is crucial to stick to a budget when making your grocery list. You may be tempted to buy everything that looks good, but that can quickly add up and blow your budget. It is essential to know what you can and cannot afford. If you are on a tight budget, try sticking to staple items you know you will use. You can add more variety to your grocery list if you have more cash to spend.

Either way, it is crucial to be mindful of what you buy and how much it will cost.

Plan your meals- know what you need before going to the store

One of the most amazing ways to manage your grocery list is to plan your meals ahead of time. This way, you’ll have a general idea of what you need and won’t waste time or money at the store. Not only that but planning your meals will also help you stay consistent with your nutrition goals. For instance, if you know you’re going to have chicken for dinner on Monday, you can plan to buy chicken breasts at the store.

Having a list of go-to ingredients will help when attempting to make a quick supper. It’s also a wise option to create a list of essential products you’ll need regularly. Olive oil, salt, and spices are examples of this.

Make a list and check it twice- bring what you need

Making a list and committing to it is one of the most remarkable ways to save money while shopping. You won’t be enticed to buy goods you don’t need this way. It’s also good to verify what you already have at home before heading to the store to avoid buying duplicates.

Another strategy to save cash is to buy just what is necessary. Avoid purchasing perishable items such as ice cream, chips, or other treats that will only last a few days. If you require them, seek things on sale or wait for a discount.

Following these tips can quickly reduce your grocery bill without giving up your favorite foods.”

Organize your list- put items in order of the store layout

When making your list, it’s essential to organize it to mirror the store layout. This way, you won’t have to go back and forth throughout the store to find everything.

Typically, grocery stores are laid out in the following order: produce, meat and seafood, deli, bakery, dry goods, and finally, dairy and frozen items.

If you’re using a paper list, mark the products in the rear of the store with an asterisk. You’ll know to put them at the end of your list. However, sort your items by the department if you’re using a digital list. You can quickly tell which things are in which part of the store this way.

Check expiration dates- don’t buy what you won’t use

Before heading to the store, look at what you have in your pantry and refrigerator. Then, list the items you need to buy based on what’s running low. It is a great way to avoid buying things you won’t use, like food that’s about to expire.

It’s also imperative to check the expiration dates on the items you’re buying. Make sure you’re not buying anything that will go bad before you can use it.

If you’re looking for some meal inspiration, look at our recipe section. We have tons of delicious recipes perfect for students on a budget. About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.