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Political Promises And What People Really Need In The UK

September 6, 2017 by Andrew Reilly Leave a Comment

Political Promises And What People Really Need In The UK

With the 2017 General Election now a thing of the past and seemingly a Government in place, it is time for the United Kingdom to move forward. However, you can see why a lot of people have no real enthusiasm or interest in politics these days, because there is a great deal of concern on more pressing matters at home. There is a lot of talk and promises made by political parties but when people are living week to week or day to day, it is very hard to listen to grand promises and the idea that things will become better. The worrying trend is that for many people, the situation is becoming much worse and there is no indicator or sign that things are going to improve.

Shelter is a housing charity and they have released figures that indicate more than half a million people in the United Kingdom have a job but also currently money in order to pay their rent. This isn’t people borrowing money for entertainment purposes, to go on holiday, to buy a new TV or lead a lavish lifestyle, this is people who are earning a living, taking in the benefits that they are entitled to and still being unable to pay their rent on their own. While some people are turning to family members for support, there are also people looking towards credit cards, to loan firms and other lenders. This is clearly a worrying situation because when you start to borrow on a regular basis like this, it becomes extremely difficult to break the habit and turn your life around.

Shelter cover the homeless sector well in the UK

The Shelter figures relate to one in three people who are renting and who are currently on a low level of income. When you think about the price of property in the UK, and the ever increasing cost of renting, there doesn’t appear to be any limit or level that will see people get the chance to move away from their current situation. No matter which political party you looked at in the run-up to the General Election, there was no indicator that there would be support or assistance that would make a change to the circumstances that these people face in their life. This has to be seen as a concern but it is fair to say that for many other people, policies which would help these people are not seen as a vote-winner.

Yes, there is a need to provide assistance and backing to everyone in the country but it would also be fair to say that some people need more assistance than others. This isn’t to say that anyone is more relevant than others but different people have different expectations of society and what they want from the local area they live in. This is a big factor in why many politicians and political parties will never go out of their way to provide strong support to the people that really need it most.

Many people can’t even think about the long-term options

In the long term, there are ways to move out of these issues but when you have short term problems arising all the time, it is very difficult for people to think about the long term. This is why if you are stuck looking at short term solutions, it is far better to look at short term solutions that are better for you. You know fine well that many people feel as though payday loans or even money lenders are the only options available to them, but this is definitely not the case. There are more affordable options when it comes to short term finance and a guarantor loan is an example of how people can improve their finances in a sensible manner.

It is likely that there will be increasing pressure placed on governments and politicians to bring more support and options for people, but even these changes, if they were to come, would take time. In the present day, a lot of people have to look to make decisions that impact on them now, today and this week before they can even think about next month.

There needs to be a period of political stability in the UK to allow changes and improvements to be made to give people the best chance of having a better life.

Filed Under: Finance Tagged With: Borrow, cash, credit card, debt, economics, finance, firm, General Election, government, guarantor, Home, house, housing, income, lender, loans, money, personal, political, politics, poverty, price, property, rent, Shelter, social, support, United Kingdom

How To Save Money In A Manageable And Realistic Way

August 3, 2017 by Jack Allen Leave a Comment

How To Save Money In A Manageable And Realistic Way

We could all do with finding that little bit of extra money to make life a little more comfortable couldn’t we? It might not seem possible sometimes, with the rising cost of foodstuff and household items and the never-ending uncertainty over the British economy in the wake of the Brexit result of last year and the current limbo of the economic climate. There are a few things you can do to help save money however, whether for a rainy day and an emergency fund, or for your own leisure purposes.

Arm Yourself with a Budget – The first thing is to plan thoroughly and accurately from pay packet to pay packet. Put together a list of all of your outgoings and incomings financially and put together a spreadsheet so you can see exactly where your money is going and what you get for that.

Save for Something – If you are saving just for the sake of it, it’s unlikely that the habit will stick. Set a realistic goal of how much you wish to set aside each month, and have a reason in mind to entice you to do so as habit. This could be to pay off a specific debt or to save for a holiday.

Cook Meals at Home – Cut down the eating out, whether at lunchtime when you can make your own lunch and take it to work, and of an evening time (of course you should allow yourself some treats from time to time). Cooking at home will drastically cut down your spending.

Take up Walking – Whether you have your own car or use public transport, by walking whenever possible you are cutting down on your travel costs severely. This will also add to your overall health.

Be Smart with Purchases – For certain items it makes sense to buy in bulk to get a discount and save money, but for other items it is smart to pay that little bit more now for an item that will last much longer, and work more effectively as a result.

Don’t be Impulsive – Whether you are browsing an online store or a physical retail shop, if you have seen something that you like and want to buy, give yourself a time out. That way you can take a step back and think about whether the item is something you actually need or really want to buy.

Look for Free Events – During evenings and weekends it is nice to spend time with friends and family out and about. It doesn’t always have to be for drinks, a meal, or to a ticketed event. Keep an eye on your local area for free events, or locations where you can go and enjoy nature for free.

Be Careful with Borrowing – Live within your means wherever possible and if you do need to borrow money only do so after thorough research, using responsible lenders to ensure you can pay back within the agreed repayment timeframe.

It is possible to save money without living like a hermit, it just requires some patience and careful planning.

Filed Under: Finance Tagged With: Borrow, budget, buy, cost, debt, discount, economy, emergency fund, finance, financially, Free Events, holiday, management, patience, pay packet, planning, Purchase, repayment, Save, saving tips, travel

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