{"id":3968,"date":"2018-02-20T13:27:20","date_gmt":"2018-02-20T13:27:20","guid":{"rendered":"https:\/\/www.openbusinesscouncil.org\/?p=3968"},"modified":"2020-02-27T09:01:12","modified_gmt":"2020-02-27T09:01:12","slug":"not-enough-time-finances-five-top-tips-make-work","status":"publish","type":"post","link":"https:\/\/www.footballthink.com\/not-enough-time-finances-five-top-tips-make-work\/","title":{"rendered":"Not Enough Time For Your Finances? Here Are Five Top Tips To Make It Work"},"content":{"rendered":"<figure id=\"attachment_3971\" aria-describedby=\"caption-attachment-3971\" style=\"width: 800px\" class=\"wp-caption alignnone\"><img decoding=\"async\" loading=\"lazy\" class=\"wp-image-3971\" src=\"https:\/\/www.openbusinesscouncil.org\/wp-content\/uploads\/2018\/02\/5-tips-personal-finances.png\" alt=\"Not Enough Time For Your Finances? Here Are Five Top Tips To Make It Work\" width=\"800\" height=\"500\" srcset=\"https:\/\/www.footballthink.com\/wp-content\/uploads\/2018\/02\/5-tips-personal-finances.png 1080w, https:\/\/www.footballthink.com\/wp-content\/uploads\/2018\/02\/5-tips-personal-finances-300x188.png 300w, https:\/\/www.footballthink.com\/wp-content\/uploads\/2018\/02\/5-tips-personal-finances-768x480.png 768w, https:\/\/www.footballthink.com\/wp-content\/uploads\/2018\/02\/5-tips-personal-finances-1024x640.png 1024w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><figcaption id=\"caption-attachment-3971\" class=\"wp-caption-text\">Not Enough Time For Your Finances? Here Are Five Top Tips To Make It Work<\/figcaption><\/figure>\n<p>The tech revolution was supposed to make our lives easier, but is it us or are we busier than ever? Between work, family and status updates, it feels like there\u2019s not much time left for all the other things. Like our finances. Well don\u2019t worry, we\u2019ve pulled together five tips to make managing your finances easier (you can thank us later)\u2026<\/p>\n<p><strong>1. Take 10 minutes to write a plan \u2013 right now<\/strong><\/p>\n<p>All good things start with a plan. That\u2019s all a budget essentially is. And it\u2019s super easy to do. Grab a pen and paper and list what money you have coming in every month in one column and what money goes out in the other. Then subtract the second from the first. You can even download a\u00a0budget planner online\u00a0if you prefer.<\/p>\n<p>Account for everything from toothpaste to your gym membership. Take whatever is left and direct a small portion to a short-term fund (for unexpected payments such as repairs), and a healthier sum to a long-term savings account. If you\u2019re not sure how much should be spent on what, a good tip is to use the\u00a0<a href=\"http:\/\/www.lifehacker.com\/10-good-financial-rules-of-thumb-1668183707\">50-30-20 rule<\/a>.<\/p>\n<p><strong>2. Be a mindful spender<\/strong><\/p>\n<p>In the age of contactless, it\u2019s so easy to swipe and spend. But with your budget, you\u2019ll know how much you have for food and other purchases and will appreciate what is a reasonable price. Then all you have to do is take a mindful approach in shops. This simply means asking yourself:<\/p>\n<ul>\n<li>Why you\u2019re buying something<\/li>\n<li>Whether the cost is worth it<\/li>\n<li>And if it isn\u2019t in your budget, what you\u2019re going to sacrifice instead.<\/li>\n<\/ul>\n<p>Since studies suggest paying by card can actually\u00a0<a href=\"http:\/\/www.abc.net.au\/radionational\/programs\/archived\/talkingshop\/the-psychology-of-making-purchases-with-cash-and-credit\/5595972\" target=\"_blank\" rel=\"noopener noreferrer\">\u2018weaken impulse control\u2019<\/a>, encouraging us to\u00a0spend more\u00a0and on more unhealthy things too, going shopping with a list and cash to pay with helps. Or just do your food shop online.<\/p>\n<p><strong>3. Schedule reminders<\/strong><\/p>\n<p>We never stick to goals when they\u2019re too overwhelming which is why you need to break up your savings goals and tackle them separately. Right now, schedule:<\/p>\n<ul>\n<li>10 minutes every Sunday to make a food plan.<\/li>\n<li>10 minutes the last day of every month to review your monthly budget and any debt repayments.<\/li>\n<li>1-2 hours every 4 months to look at things like insurance plans and phone or energy tariffs (and deciding whether to\u00a0<a href=\"http:\/\/www.ofgem.gov.uk\/consumers\/household-gas-and-electricity-guide\/how-switch-energy-supplier-and-shop-better-deal\">switch supplier to save money<\/a>), and review your savings goals such as switching to an ISA with a better interest rate.<\/li>\n<\/ul>\n<p><strong>4. Increase your contributions<\/strong><\/p>\n<p>What you never had you won\u2019t miss. Most of us now have a workplace pension thanks to the government\u2019s auto-enrolment scheme. Get in touch with them to increase your contributions based on what your budget shows you can manage. If you don\u2019t have a pension, ask your employer about it or\u00a0set up your own.<\/p>\n<p><strong>5. Let tech help you<\/strong><\/p>\n<p>Tech can be a distraction but there\u2019s no denying it\u2019s streamlined many aspects of our lives. Consider switching to a\u00a0smart meter\u00a0to track your energy usage. And instead of standing in line at the bank or Post Office to pay bills, download your bank\u2019s app and manage your finances through your phone or internet banking. Most can break down where you\u2019ve been spending too much, help set savings goals, and put aside a set amount each month into a savings pot or round up change from each transaction you make.<\/p>\n<p>If you\u2019d like to have a portfolio of investments, using an\u00a0<a href=\"http:\/\/www.moneyfarm.com\">investment management<\/a>\u00a0tool like Moneyfarm is an easy way to go about it. Once you sign up, an algorithm will match you to the best portfolio to suit your needs. You can also set up a stocks and shares ISA or a personal pension all from the same place. All you need to do is credit your funds!<\/p>\n<p>There, that wasn\u2019t so bad was it? If you need any more advice, check out our blog or get in touch today.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The tech revolution was supposed to make our lives easier, but is it us or are we busier than ever? Between work, family and status updates, it feels like there\u2019s not much time left for all the other things. Like our finances. Well don\u2019t worry, we\u2019ve pulled together five tips to make managing your finances [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":3971,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_mo_disable_npp":""},"categories":[25],"tags":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v18.1 (Yoast SEO v19.7.2) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Not Enough Time For Your Finances? 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Well don\u2019t worry, we\u2019ve pulled together five tips to make managing your finances [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.footballthink.com\/not-enough-time-finances-five-top-tips-make-work\/\" \/>\n<meta property=\"og:site_name\" content=\"OpenBusinessCouncil Directory\" \/>\n<meta property=\"article:published_time\" content=\"2018-02-20T13:27:20+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2020-02-27T09:01:12+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.footballthink.com\/wp-content\/uploads\/2018\/02\/5-tips-personal-finances.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1080\" \/>\n\t<meta property=\"og:image:height\" content=\"675\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Hernaldo Turrillo\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Hernaldo Turrillo\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.footballthink.com\/not-enough-time-finances-five-top-tips-make-work\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.footballthink.com\/not-enough-time-finances-five-top-tips-make-work\/\"},\"author\":{\"name\":\"Hernaldo Turrillo\",\"@id\":\"https:\/\/www.footballthink.com\/#\/schema\/person\/b9610afd0759dc701187a7f622375c23\"},\"headline\":\"Not Enough Time For Your Finances? 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