$$$ – Family Costs You Mustn’t Ignore


There are plenty of costs involved in your life, and many of them when you have a family. So, you have to make sure you think of as many costs as possible and do what you can to cover these costs at all times.

Starting a Business

Starting a business when you have a family alters the financial game somewhat. Now, it may well be a family business, or it could be a work-from-home setup. Either way, you have to make sure you finance it properly. Starting an online business, for instance, is going to require some startup costs, and you have to make sure you cover these. So, figure out what it’s going to set you back to start a new business, and whether the family will be directly involved.

Mortgage Payments


Mortgage payments are crucial when you have a family. You have to keep a roof over your heads and provide food for your children. And the only way to do that is to recognize that these are real and important costs, and they have to be dealt with as soon as possible. The last thing you want is to default on your mortgage payments and risk the house getting repossessed. So, you have to understand the importance of making this your priority in terms of finances.



Yes, Christmas is coming, and it’s time to start preparing for that. The problem is that a lot of families struggle financially, and they think Christmas is unaffordable as a result. But, the reality is that you can do Christmas inexpensively these days, you just have to know what you’re doing. For instance, you could do Secret Santa, and that way everyone in the family only has to buy one gift. Making your own decorations is also a really great way of saving money too.



There are also legal costs involved in family life, and you need to know about these. You have to deal with legal costs involved with the home and insurance. But, you also need to look at other legal costs such as representation, or hiring a divorce lawyer like Skillern Firm. Legal costs are hugely important, so you need to make sure you cover these costs. No matter what the circumstances, you still need to make certain you’ve got great legal support.



Everyone deserves a vacation at some point, and you want to try to take one once a year at least. That means you should look at family vacation options and decide what is best for you. There are a lot of choices, and you will need to set aside a budget to help you come up with the best vacation you possibly can. If you have kids, you’re probably dreading the costs involved in taking them away. But family vacations don’t have to cost an arm and a leg. If you plan carefully and work within your budget, it’s entirely possible to enjoy a cost-effective travel experience.

There are plenty of family costs that you’re going to need to work out how to sort out. Some of these will be things you’re used to dealing with. Others will be stuff you maybe weren’t expecting. But this post should help to give you an idea of the sorts of family costs you’re going to need to deal with.

5 Steps to Higher Paying Freelancing Gigs

Are you one of the many freelancers out there who is undercharging for your services? If so, you are in good company. And, there is a probably a good reason why. When you start out in the freelancing world, it can be difficult to justify charging your clients decent rates. There is also a temptation to take on lower paying gigs because it’s more important to work than it is to earn a good living.

The trouble is, going down this route is setting yourself up for failure. Sure, your week might be full of work, but it’s low pay, and it won’t leave you time to do anything else. Targeting higher paying clients, then, is essential, and the sooner you start, the better. Here are a few things you can do to start charging more and finding better-paying clientele.

Study The Market

First of all take a look at how much a client would be paying you if you were a full-time employee. You can do this on job boards, or look at your industry’s salary guide. You need to be charging at least what you would be earning as an employee – and a little bit more, if I’m honest. When you are a freelancer, you don’t  get any vacation pay, sickness, and all the risk i yours. And that is worth money, which you should be charging your clients.

Quit the Imposter Syndrome

Imposter Syndrome is a condition where you feel insecure about your skills. Many freelancers suffer from it, and this crisis of confidence leads to charging less for your services. You feel like you can’t justify charging more – and it means you will steadfastly refuse to raise your prices. If this sounds familiar, get some help. Confidence classes – or even some acting classes – can help give you a little more swagger, and start to think more highly of yourself.

Prove Your Skills

Nothing can give you more confidence than earning a certified qualification. It’s something you can put on your website to prove your worth to prospects, of course. Most importantly, though, it will give your self-image an enormous boost. According to Training Connection, even a simple course in business skills could help. It will teach you how to communicate better, deliver better presentations, and manage your projects with more focus.  

Be The Solution

Work out what you are great at, and write it all down. Now, think about what kind of problems you can solve with that particular skill set. The answers you come up with will be the same answers your prospects will be looking for. It’s a simple case of joining the dots. When people have a problem, and you have a solution, they will often be happy to pay better rates for it.

Show Off Your Results

Numbers talk in business. But when you take a look at many freelance sites, you barely see them. If you can prove your ROI, you will attract better prospects. So, if you are an SEO freelancer, focus on the relationship between your work and the increase in the volume of high-quality traffic. If you are a copywriter, show people how many units your ad copy has sold. Prove your worth, and the higher pay will come – good luck!

A Checklist to Help You Find the Best Video Conference for IT Purposes

Video conference services are cropping up all over the Internet, with the proliferation and growth of development in the field of software-as-a-service. Through HTML5 and easily-implemented web-based applications, businesses are coming out of the woodworks constantly offering the best and latest and all that jazz and pizzazz.

But how can one cut through all the noise and get straight to the products and services that have the most to offer for customers and businesses? And most specifically, how can one find those video conference services that are ready to help a large enterprise deal with huge communications demands and the need for increased collaborative capabilities within their business?

That’s the challenge – but thankfully, it’s made much easier if you’ve simply got a concrete checklist to go by. But first, you have to figure out what you need from video conferencing.

Why Use Video Conferencing?

As a replacement to face-to-face communication, video conferencing shows a lot of promise and efficacy. It’s simple, it’s quick, and it’s very cost-effective – but that comes with the caveat that you’ve got a qualitative service. Otherwise, you get disconnections, audio and video issues, time wasted fumbling with complicated software and misunderstandings due to improper calls.

Even then, among quality video conferencing solutions, there are various degrees of capability. There are meeting solutions that work wonders for personal usage. And then there are meeting solutions that are reserved typically for large enterprise meetings, or even announcements and seminars that require hundreds or even thousands of people in live-streaming attendance. These solutions not only save on travel costs as per TechTarget, they also make you more efficient and productive.

If you’ve found the best video conference service for IT for your needs, and that service fulfills these specific features such as BlueJeans, then you’re good to go and enjoy the many benefits of using a proper enterprise video solution for business. But before then, you’ll have to do your homework.


The Checklist

While there are industry-specific questions you’ll have to ask yourself – such as the size of your company, how often you’ll need the tool, whether you’ll need it to talk within the company or with clients as well – this is a general checklist of features a great quality service should include in their offering.


  • Ease-of-Use – The usability of an application should always be chief among the major concerns behind its design. An application, product or software that can’t be intuitively used is, for lack of a better word, a failure: most people don’t read the manual of usage, and while tutorials help, they have to be seamless and perfectly integrated.


If you’re designing professional software for something very specific – like audio mixing or video editing – you can afford to add features over ease-of-use, if only to focus on providing a more complete product. But video conferencing is a communicative tool that needs to facilitate the conversation between two or more people of all levels of tech knowledge, meaning, it has to be simple to operate. Especially if you plan to use video conferencing to help manage customer relations.


  • Device Interoperability – Another basic feature in a good meeting solution is the ability to start and join calls throughout different devices and technologies. If you’re starting an audio-only conference, then many sophisticated enterprise-level services also offer SIP trunking, which allows phones to dial into your internet telephony service provider’s network directly instead of being switched around through the somewhat costly public access phone network.


Alternatively, video conferencing should be held not just through dedicated hardware, but also through webcams and PCs, laptops, smartphones and tablets. This is to facilitate the ease of communication and collaboration between departments, and make the process of sharing files and starting impromptu or “stand-up” meetings in a more seamless manner.


  • Premium Security – There’s no mistaking it, cyber security is a serious concern. The number of data breaches in recent time have been ramping up as per Statista – and as it gets easier to infiltrate conventional security standards, the need for higher levels of security, regular file encryption and 2FA (two-factor authentication) becomes increasingly urgent.


Enterprise-ready meeting solutions will openly advertise that they’re ready to protect your data – whether it’s call information, shared files and more.


  • Rapid File Sharing – Speaking of shared files, file sharing is an integral portion of premium conferencing services. Business collaboration is the name of the game, and the easier a program can help facilitate the efficiency of your company’s operations, the better it’ll be for you.
  • Minutes of the Meeting – Another useful tool is the ability to record important minutes of the meeting, without dedicating a single person to keeping track of a meeting or conversation. Video collaboration solutions help you keep track of calls by recording them and storing them safely and securely on the cloud.


Each and every service comes with its own respective price tag. Choosing a service that has what you need but not more can help you save a pretty penny.