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Ten Things to Help You Stay on Top of Your Finances

Ten Things to Help You Stay on Top of Your Finances

1 – Check your Statements Regularly.

If you are in financial difficulties, or even if you’re not, it is easy to avoid reading your bank account and credit card statements. However, by not doing so, you could be losing money. There may be bank charges on your bank statement or transactions on your credit card statement that are fraudulent or simply erroneous. Examine

your statements every month and ensure you account for all of your outgoings and all of your fees. If there is anything you do not recognise or anything you do not understand then contact your bank or your credit card company and ask them for help.

2 – Don’t Hide from Debt

If you are starting to struggle with debt, the worse thing you can do is hide from it. Believe it or not credit card companies, loan companies and banks do not want to see you struggle to repay a debt. They would much rather it be easy for you as that way, they will continue to get their payments and they are more likely to get repeat business. So, at the first sign of trouble, call them or write to them and let them know what the problem is and how you intend to resolve it. Some companies may even help you out with a payment holiday for a month or two while you get back on your feet. Sometimes they will see this as being in their best interest as it becomes expensive for them to try to recover debt from someone who is struggling to pay.

3 – Reduce the Interest you Pay

If you have debt on credit cards you may be paying more interest than you need to. There are plenty of credit card companies that offer a zero percent introductory rate for new customers. These rates can last for anywhere between 6 and 18 months. By moving your debt to a zero percent deal and paying off as much as you can each month you will see the debt reduce quicker as interest will not be added every month.

4 – Check Your Credit Rating

Check your credit rating at least once per year to ensure you remain in good standing as mistakes made by the credit reference companies can be costly as a poor credit rating may mean that you can only get credit at higher interest rates. In the UK the two main credit reference agencies are Experian and Equifax. Contact them and ask

for a copy of your file.

5 – Don’t Invest if you Don’t Understand

If you are thinking of dabbling with investments then follow this one simple rule – don’t invest in something that you do not understand. This way you will be able to make your own decisions about whether or not to invest in something. If you understand the company and the product or service they offer then you are much more likely to understand if they seem like a worthwhile investment.

6 – Don’t Lend to Family and Friends – Consider Giving

This tip is really more about the importance of family and friends than it is about finances. The point is that if you do lend money to family or friends and you value that relationship then consider that money unrecoverable. That way, when the friend or family member is unable to pay you back it won’t lead to a falling out. Family and friends are more important than money. You never know when you may need them.

7 – Create Passive Income

This may mean that you have extra work to do in the shorter term but it could lead to genuine extra income for very little effort in the longer term. An example would be setting up a useful internet site or blog that provides useful advice to people. If this advice is in an area of expertise that you have knowledge of or an interest in, it won’t be too much of a chore to keep adding info to the website or posting to the blog. As your site gets more popular and people start visiting to get your advice you could start to carry ads that pay you money when your visitors click on them. This can be quite lucrative if done correctly.

8 – Get the Best Deals

Don’t stick to routine, and don’t be lazy, especially with utilities and other services that could be offered by more than one company. Shop around and get the best deal. Don’t be afraid to switch to a new service provider to save money.

9 – Stop Paper Waste

Ok, this isn’t necessarily about getting all environmental, this is about saving money. Most credit card companies, loan …

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Some Important Aspects To Consider Before You Purchase Storage Shed Kits

Some Important Aspects To Consider Before You Purchase Storage Shed Kits

If you are contemplating on purchasing Storage Shed Kits, there are a few things that you need to bear in mind. Take a look…

Why, where, what and what not

There are so many things to consider when you are planning on purchasing a kit of this kind. First of all, you need to understand why you are making the purchase as this is the most crucial aspect at play over here.

Then, the question arises as to where you can obtain these kits from and whether you should make your own from scratch.

So, why do you need one?

Why do you need a storage shed? Primarily because of the plain and simple fact that it makes a great place to store all kinds of stuff like your lawn mower, garden equipment and just about anything and everything that is taking up room in your garage.

If you can clear up all the clutter, you would finally be able to park your car where it belongs – in your garage! You definitely do not want all that garden junk to scratch up your car and that is just why you need to get a shed to store all the stuff that is lying around in your garage!

Where to buy?

So, from where do you buy the shed? Probably, the best place by, far to look for a kit of this sort is your local garden or home improvement store.

But, a word of caution to you – these can be really expensive, especially the pre-made ones. But, the big plus over here is that you would save yourself all the time in building one yourself.

Besides, you would get everything you need included. Though of course, you may still need things like a hammer, a screwdriver, and level.

Should you go it alone?

Consider getting Storage Shed Kits to build the shed by yourself. It is much more economical, it’s fun to do and – it’s a lot easier than you think!…

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The Advancement of the Self Storage Unit

The Advancement of the Self Storage Unit

Self storage units have been around since the 1970’s and have undergone a lot of changes since then. Today, a growing number of people and businesses are taking advantage of the convenience that self storage units provide. However, most people have no idea where self storage units actually came from and how they have evolved over time. Some units are still very similar to the original units whereas some have advanced a great deal in order to accommodate the changing needs of today’s storage users. Here is a quick look at how self storage has changed over the last few decades.

Originally, self storage units had very few rules and were normally built off of the everyday path with no additional safety aside from the locks on the doors. Initially, the rules were fairly simple and few in number. They included: no one can sleep or live in their storage unit, they could not resale or sub-lease a storage unit, and could not store hazardous materials. That was about it.

Over time, the self storage industry has grown extremely rapidly and the services provided has expanded a great deal. They now range widely in sizes and accommodations Traditionally, self storage facilities had a very limited selection in regards to size whereas today, storage units can be as small as walk-in closet or large enough to store everything from a two-bedroom apartment.

Some of the most noted changes are in the features that a self storage unit has as well as the safety precautions that are taken. Some of the newer features include: climate controlled environments and cold storage. Climate control has proven especially useful as people are starting to store more fragile items such as finished wood and electronics. Climate controlled storage units are insulated and well constructed which helps them to prevent a variety of damage such as water damage and mold/spore damage.

Security has changed in a number of ways as well. Recent technology that is being used include: keypad access, 24-hour onsite security, a variety of fencing, and video surveillance. Before these types of security measures were used, self storage rooms were often left out in the open with the padlock being the primary means of securing the property inside. They also did not have fencing or any on-site or video security either.

As you can see, self storage has already advanced quite a bit since the 1970’s. The main advancements can be seen in the increased size, features, and security that are now provided as a standard service. It is expected that self storage will continue to advance as quality alternatives continue to join the marketplace, most notably PODS-style systems. To compete with the convenience of mobile self storage, traditional self storage rooms are primarily relying on advances that are being made to features, such as climate control, and guaranteed security.

Now that you have a better understanding of how self storage units have advanced over the past several decades, it should be easier to identify which services are more up-to-date than the rest. This will not only help you make a quality choice, but also help you identify what features are most meaningful to fit your needs.…

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The Best Online Storage for Your Media and Files

The Best Online Storage for Your Media and Files

We currently live in a digital world where everything is easily accessible and almost intangible. The Internet has empowered us to share photos, files, and resources for free and use them as we please. For the technologically savvy individual, storing files in a flash disk drive or a portable hard drive is common. How would you like to store, share, and access your file from one source over the Internet?

The answer is online backup. Free online media storage gives anyone instant access to their digital life from anywhere in the world where there is Internet connection. With the best online storage, you can store music files, photos, and documents safely and securely. Simply register with an online account and upload as much files as you want. Free accounts are given with limited storage space. Individuals who want more space can register for a paid account.

Why choose online backup instead of traditional hard drive backup?

There is absolutely nothing wrong in storing your files in a flash drive or a spare hard drive; however, the features of conventional storage are limited. The following are the benefits of using an online backup site:

– There are no risks in losing your files. Storing your files online is a sure-fire way to secure them. The best online storage providers today utilize redundant server architecture with enterprise grade disk drives at remote data centers. Multiple copies are created at multiple locations. Should a server fail, another server automatically backs up and restores data. There is virtually no data loss. Hard disk drives, on the other hand, have the potential to be damaged, lost, or destroyed.

– Effortless file sharing. Accessing files from a physical disk drive or thumb drive requires you to plug in your device to a computer and download its contents from there. It is only then that you can share it over the Internet. An online storage eliminates this redundancy and inconvenience, and allows users to share files straight from the user’s account to the various social networking and media avenues.

– Instant access via web connected devices. There is no need to hook up separately to a computer or tablet. Files stored on your online backup account can be accessed by any device connected to the Internet. The best online storage web accounts even have mobile application to make it more convenient for users to access their files, even when away from their personal computers or laptop.

– File organization. Files are sorted and organized by media type, so users do not need to create separate folders just to identify them. The enhanced system easily recognizes file types and sorts them in an ordered fashion, ready to be shared anytime.

Adapt the modern way of organizing files, documents, photos, and so much more. Share files on your Facebook or Twitter accounts. Upload videos on YouTube. There are over 16 other social networks and newsfeed that are connected to the best online storage sites today. Organize, access, and share using one easy platform.…

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Tips For Better Self Storage

Tips For Better Self Storage

There are many storage facilities all over the town. You have your own attic even. So, why do people still go for Self Storage? The best reasons would be they are safe and temperature-controlled, and also, they provide a lot more space than what may be available at home.

Tips For Better Use Of Self Storage Places

While selecting and placing your goods in a Self Storage, there are some important points to keep in mind. They may be considered as tips for gainful utilization of these facilities.

* Check out the different options available in the city. If there are no Self Storage places in the locality, scout for them in the neighboring locality.

* Check out the online sites and see the various stores available.

* Go and see the storage facility before making a deposit. Make sure that the unit space advertized is as mentioned. There are chances that when it’s the time to actually place the items, the unit is too small. Therefore, personally go and see the storage unit and pick the one that suits your requirement.

* Ask precise questions about the rent and make sure that there are no hidden costs involved.

* Check out the security facilities available in the premises. Though the customer is ultimately responsible for the items stored in the units, it always helps to get a place where the security system is sound.

* If the store boasts of climate-controlled environment, check that out too. See if there are proper ventilation and air-conditioning and humidification systems in the storage unit. See if the unit is properly sealable.

* Make sure that the items are packed in similar-sized boxes (if small items are being stored). Mark the boxes properly and try to keep the heavier boxes on the bottom.

* In case of electronic equipments, follow the instructions on their manuals regarding storage, for example, refrigerators need to be stored with their doors slightly ajar.

* Similarly, if the items stored are vehicles like cars, boats, bikes, motorbikes or RVs, make sure they are well covered and also that they do not have any inflammable substance in them. They can also be placed after being well oiled so as to avoid rust.

* When placing items in the unit, keep an inventory. The store authorities usually do not look into what is stored in the units. So make sure there is a list. This may come in handy if there is a theft or missing items.

* Check the lock of the unit. If possible put in your own lock (some storage stores let the users use their own locks for additional security).

* Finally, in case of doubt ask, ask and ask!

Self storage units are really great. They provide spaces like mini storage, furniture storage, RV storage, car storage and boat storage. Whatever may be the goods stored, the basic tips provided above comes handy and need to be kept in mind.…

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Shopping Around For Self Storage Units

Shopping Around For Self Storage Units

Despite the tough economic times, the self storage industry is growing at a massive rate with more people than ever searching for extra room to store cars, furniture and general possessions. The problem with this is that there are many potential places to store your property, and a plethora of choices to make in regards to whether or not your goods are in the safest place possible.

Check the business out online

The first sign of quality is to look into the website that the provider operates. Usually you can see their credentials and customer testimonials and the standards that they operate under. This is usually a good way to gauge whether or not this is a professional operation. Look for regulation compliance and accreditations.

Inspect the property

Before going in to pay for your services, it might be a good idea to inspect the lots yourself for primarily ease of access via car. If you are planning on using this facility at odd hours, it is essential that you have regular access to the facility and can find it easily from the street. Beyond that it is important to have a quick look for any signs of moisture leaking out or into the storage units.

Look into the units

Another important aspect when planning on investing in self storage facilities is that whether or not the unit fits your needs. As all units vary in size it’s important when getting a quote to look at precisely how much space you will be getting for the price agreed upon.

This would be a perfect point to look into the security and insurance measures put in place to protect your property, this is especially essential in inner city storage facilities. CCTV and security guards are pretty much the minimum that you should expect when looking to protect your property.

Pricing and approaching contracts

A lot of self storage facilities will ask a minimum contract when it comes to signing up, as you couldn’t example simply use them for only a week. Shopping around is essential at this point when comparing prices as the points involved differ massively from source to source. It can also be advantageous to estimate how long you will need to use the storage facility for, as over long term period’s costs will increase or decrease depending on the type of contracts that you have agreed upon with your storage provider.…

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10 Ways That Self Storage Units Are Valuable

10 Ways That Self Storage Units Are Valuable

We all have a tendency to accumulate too much stuff. If that’s you, there’s no need to feel guilty about it – especially when there’s a perfect solution that doesn’t involve getting rid of your prized possessions. Maybe you just need to find somewhere else to keep the things that are special, but don’t need to be on display. A self storage unit is the perfect way to make your life less stressful. Here are 10 ways that self storage units can be valuable:

1. You can use a self storage unit to keep that extra furniture that you just can’t bear to part with. You never know when you or someone else might need it and you know how expensive it will be to buy more. Maybe you’ve downsized your home and you don’t need so many beds, tables and chairs. A self storage unit is a great place to keep your spare furniture until you are ready to decide what to do with it.

2. If you’re lucky to be going overseas on a long-term holiday, you don’t want to sell everything and have to start again when you return. It’s much more sensible to rent a self storage unit for the duration of your time away. When you return, you’ll be able to set up house and get back to normal more quickly than you expected.

3. Perhaps your kids have left home but they haven’t taken all their worldly possessions. You want the house to yourself at last, but you don’t want to get rid of their stuff. It’s hard to know what they’ll need and what they’ll be happy to part with – and it’s hard to pin your kids down to make a decision. Instead of fretting about all that, a self storage unit is a great value for money way of solving the problem. The kids’ gear will be there when they need it and you’ll have the house to yourself. Perfect!

4. If you are a sports lover, your garage is probably full to the brim with sporting equipment. If it means you can’t fit the car in the garage, you might need to have a rethink. A self storage unit is a great solution. Your sports equipment will be safe, secure and kept at the right temperature. You can even set the unit up so it’s all stacked and shelved to make life really easy. Just drive in, pick up the gear and off you go.

5. Maybe you have a hobby that needs its own space. It might be fixing an old car, making model airplanes or any number of other activities. If that’s you, then you know what it’s like when other people move your stuff. To make sure everything is left exactly the way you want it, rent a self storage unit for your hobby gear and you’ll never have to worry about it again.

6. Life can generate a lot of excess paperwork and a lot of it can’t just be thrown away. If you feel like you’re fighting a losing battle with paper, documents and archived records, consider a self storage unit. It will make a big difference to your stress levels and keep your documents safe.

7. Sometimes you need a workshop or a studio to potter about in at the weekends and there’s just nowhere suitable at home. A self storage unit is the ideal answer. You can get away by yourself, get creative and then get back to reality when you’re ready. And you know that all your workshop materials will be in one place when you need them again.

8. If you’ve sold the house and haven’t found a replacement, you might be thinking of a temporary solution. But what do you do with all your gear? A self storage unit is the answer. They come in several sizes, including a size that’s just right to hold a houseful of possessions.

9. When you’re trying to sell your home, the best thing to do is to go for the minimalist look! That means decluttering big time. But what do you do with all the extra stuff? A self storage unit is just the right answer. Your prospective buyers will be amazed at the look of your home and be much more likely to put in an offer – which means you’ll be able to move to your dream home much more quickly.

10. If you have some really valuable possessions that don’t look right in your home, it’s hard to know what to do with them. One option is to store them in a self storage unit. You know they’ll be safe and secure and – who knows – they might even increase in …