5 savings tips from a leprechaun

first_imgAutomate your savingsYour ability to make savings automatic is enough to make any leprechaun jealous. Piggybacking on the last point, when you put money into a saving account with the mindset of goals you are less likely to spend it. Now with the ability to automatically transfer a percentage of deposits into most accounts and you are on your way to never reaching into your savings pot o’ gold.I am not qualified to speak on the existence of Leprechauns, though many believe that they do. But while their presence is only questioned around this time of year, the financial lessons taken from them are applicable year-round. Remember saving effectively is all about having the right mindset, not chasing rainbows. Be safe this St. Patty’s Day! There are many things people think when Saint Patty’s day comes to mind; wearing green, kissing an Irishman, four leaf clovers, etc. But before you spend a ton of money this St. Patrick’s Day on green beverages or an impulse purchase of a kilt, perhaps take a page from the leprechaun’s book on spending with these simple finance tips. Make a date with your moneyThe humble leprechaun spends his free time counting the pot of gold he is protecting, and you should do the same. Well, maybe not to that extent, but setting up a specified time of the week to update budgets, review accounts and track your savings progress is crucial to achieving your financial goals. Like any relationship, you have to spend time with your money, but perhaps a little less than a leprechaun might. Stay isolated from fadsEvery once and a while there is a new spending trend. Something people don’t need, but buy due to the influence of their peer group. An example of this trend would be the most recent hoverboard craze. While rolling around on the ground on a two wheeled potentially explosive device may not be your cup of tea, it perfectly sums of the subconscious ‘I need that too’ mentality that the media can create within us all. The social temptation to spend doesn’t affect all of us, but can be easily avoided by simply avoiding the trend that is driving the spending. This doesn’t mean you have to hide from everyone like the leprechaun, but just identify a threat to your savings and distance yourself. Work moreBy staying busy you have less time to even think about spending. This doesn’t necessarily mean getting a second job, which absolutely can help with financial goals, but can simply mean just staying active. Did you know that leprechauns cobble shoes when not guarding gold? He simply doesn’t have the time to spend even a single coin from that pot, and you can do the same. Goal orientated savingSaving becomes a lot easier when you don’t think of is as storing money away. Whether your goal is a down payment on a house or a trip to the Caribbean, the way you view your savings can change the rate in which you save drastically. When you see your pot o’ savings growing and growing it can be easy to dip into it for other expenses. Try not seeing it as money, view it as progress bar toward your goal. Not as dollars and cents but as a growing percentage toward that house or trip. 403SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Tyler Atwell Web: www.cuinsight.com Detailslast_img read more

Slaven Bilic moving West Ham training as injuries pile up

first_imgSlaven Bilic is taking drastic action in a bid to end West Ham’s injury jinx – by moving training grounds. The Hammers were due to relocate to their new Rush Green HQ, where they currently play under-21 games, at the start of next season. But beleaguered boss Bilic has decided to take training there from next Monday, despite the site not being completely ready, following a rash of injuries on the pitches at their current Chadwell Heath base. “The pitches are better there than here. We can live without the great dressing room, the kitchens and the free area for now.” New Zealand international Reid could be facing a lengthy spell on the sidelines, with West Ham awaiting the results of a scan on Friday. “It doesn’t look good,” added Bilic. “It’s one of those they tell you is four to six weeks, but it doesn’t look like small one. He slipped and felt it rupture. “Victor is out for four to six weeks. It’s a blow – we have had six injuries since the Everton game. Before that we had a full squad!” Ecuador forward Valencia is the closest to being fit and has an outside chance of making the bench against Stoke on Saturday. Bilic currently has six key players – Dimitri Payet, Enner Valencia, Diafra Sakho, Manuel Lanzini, Victor Moses and Winston Reid – on his casualty list. Payet and Valencia were hurt after heavy challenges against Everton last month but the other four have suffered muscle injuries, which Bilic has blamed on the training pitches. Winger Moses and defender Reid were this week ruled out until the new year with hamstring damage, which proved the final straw for the Croatian. “I heard a lot about the pitches here and they are not ideal,” he said. “With Reid’s injury, for example, they are slippery on the top but rock hard underneath, and it is a bad combination. “Over the time players have been moaning about the pitches, they are not happy. “We were planning to move next season, at the start, to Rush Green because of the quality of the pitches. “I decided on Monday next week, we will go. We can’t continue to risk this much on these kind of pitches. Press Associationlast_img read more