Is Your Business as Strong as It Can Be?

Every business owner wants to boast the strongest business in the land. Some even do boast this, even when it’s not necessarily the case. Now, it’s always a good idea to paint your business in the strongest light in a marketing campaign, but it is imperative that you can back it up. Is your business as strong as you say it is? Is your business as strong as can be? If not, then make sure to check out the hints and tips below.

First of all, you need to ensure that you are as strong as can be as a business owner. You need to provide a strong backbone for your business. You need to ensure that the knowledge you have of your business is strong. You need to ensure that your communicational skills are strong. And you need to ensure that you are able to deal with the languages of business that are spoken in each one, every day. One such language is accounting. As a business owner you should surround yourself with a crack team of experts, this includes an accountant. But to really provide a strong backbone for your business you should be well versed in the field of accounting yourself. In doing so you create stronger finance in your business as two heads in the field are better than one. And as well as this you can offer support and even cover to the accountant you’ve hired. Say if your accountant was taken ill and you were left in charge to sort your finances out, would you have a strong enough knowledge to do so? Even one day missed when it comes to VAT and PAYE procedures can be costly to your business. This is why you should do all you can to be attuned with your inner-accountant. A good place to start in this venture is to take an Accounting degree. The best part of all? You can now take these kinds of degrees online, meaning that your studies would never have to interfere with all the important business work you do every day. 100% of the Accounting degrees offered by the UAB Online School of Business, for example, are taken online. This means you can take your course at your own pace, so as long as you meet the deadlines that are set.

But it’s not all about you. As previously mentioned you need to surround yourself with a crack team of experts. They should each be strong in their respective field. If they are then you are strengthening your business two-fold. An important position that needs filling, that sometimes slips under the radar is that of HR Manager. You need a strong HR Manager for a number of reasons. Because they are going to bare the brunt of your employees communication they need to be strong enough to do what is best for business, rather than what is best for your employees. They need to be able to negotiate two parties and find an outcome that suits both sides.

So, if you want a strong business model you need to target a few crucial areas. You need to ensure you are strong enough to take on any task. You also need to ensure that you surround yourself with a strong team. When a business’s strength grows from within it radiates outwards. A customer will always be to tell a strong and well-run business from a weak one.

Build Your Own Home For Less Than £100K

We’re not sure if you have realised but buying a house is what one would call stupidly expensive. Even the term ‘affordable housing’ has made its way into the dictionary of oxymorons. That is why so many people are now looking at options to build their own home, and with a lot of government incentives to do this, it doesn’t seem like a bad shout. However, there are a lot of misconceptions still floating around out there.

If you’re interested in going down the self-build route then you’ve watched Grand Designs, which has probably put you off the whole idea because, well, it makes it look complex and expensive. But this isn’t always the case or, should we say, it doesn’t have to be.

In fact, with clever design and management, you can build an inexpensive house without too much sweat, and here’s how:

Simplicity Is Key

The thing that ramps up the cost of a home is complex plans or fussy needs. It is pretty simple really; the more complicated your plan the more expensive your home. Why? Well, one of the biggest costs of any home is the labour. There are no two ways to put it, this accounts for a large chunk of your budget, so help them out by scrutinising as much of the plans as possible and considering how you can simplify.


Method To The Madness

How cheap your construction depends on how carefully your measure up the different decisions against one another. The professionals at explain that it isn’t all about going with the cheapest materials on offer, but rather the ones that offer the best value. That means taking into consideration everything from durability to lifespan, maintenance to upkeep. That’s where your long-term plan comes in and knowing how long you plan on living here. Higher investment now may mean lower investment in the future.

Labour of Love

The cost of using a main contractor can be anywhere between 18% to 38% more expensive than if you were to go it alone with the help of just a few sub-contractors. Yeah, the cost of labour can account for a huge portion of your budget, so if you can do a lot of the construction efforts yourself then you should, with help from these subbies according to Of course, you may find a contractor that will be able to do you a deal, or save you a small fortune thanks to their relationships with suppliers and tradespeople, so dig around first.

Space, The Final Frontier

The needs for lots of small rooms is no longer necessary because houses have become much more efficient. As such, the current trend is big, open living spaces, or broken living spaces. They feel roomy, natural light can flood in and socialising is more encouraged. But with this space comes an added cost because of the extra structure needed, structure like steels. Steel is expensive. As such, you should consider adding columns to reduce these extra structural costs. With good vision, though, you can make these columns or supports as nonobstructive as possible.

5 Easy-to-Miss Signs Your Finances Need an Overhaul ASAP

Personal finance management is something that a lot of people struggle with. You would have to admit that it is not very easy sticking to healthy practices that the experts advocate, like saving more, living within a budget and spending less. However, there are times when you can tell that a financial disaster is imminent if something is not done about spending habits. Before it gets to this point, knowing the signs to look out for helps a great deal in putting your finances back on track before it is too late. Here are 5 signs that can be easily neglected, but point to the fact that your finances need an overhaul ASAP.

  • You live from One Paycheck to Another

One of the clear signs that your finances need a complete overhaul, is if you spend all your earnings before the month runs out, and have nothing to fall back on until the next pay day. It is easy to miss this sign especially if this is how you have always approached your personal finances. However, this means financial troubles for you especially in the event that something unexpected happens, like job loss.

  • You Always Over Spend

If you always overspend and cannot keep track of your expenses and where your money goes, then you are likely at that point where a conscious effort should be made at getting your finances right. It is important to know how much money goes out and comes into your account from time to time. As such, you should review your bank accounts to avoid going into youroverdraft. If this is happening particularly often, you need to understand how your overdraft works in order to come up with a plan to level out your finances.

  • You Do Not Have Any Financial Goals

At the end of the day, we all want to live comfortably and retire well. This takes mapping out goals, employing realistic strategies such as budgeting, planning constantly, reviewing spending, and forming the right habits for a secure financial future. If you find yourself struggling to survive till the next pay day such that having any long term financial goals seems like a bleak prospect, then an overhaul is needed ASAP.

  • You Do Not Have Savings

Savings are important. Whether for the rainy day or to fund a future project, it is a form of security to know that you have finances to fall on in case something unexpected or unplanned happens. Of course, not having savings may be as a result of you trying to pay up debts. However, with the right planning and expense allocation, you can have all expenses correctly handled.

  • Your Debt Keeps Accumulating

One sign that your financial situation needs serious evaluation is if you keep accumulating debt to pay off other debt. This means that a cycle has been created and without the right personal financial management strategy, you will be unable to keep up.