How to Effectively Estimate Construction Costs for Clients

The construction industry has always been one of the top revenue-generating industries in the world, with the U.S. construction market being one of the largest. Despite the size and scope of the industry, it constantly adapts to the ever-changing economic and social climate. The construction industry also responds to changes in human behavior and technological advances. Major innovation can lead to a flourishing market. In recent years, the construction industry has grown to new heights, becoming one of the primary contributors to the U.S.…

How to Save Money via Your Car

A car, for the average person, is the second most expensive life purchase, after a house. Unfortunately, our beloved four-wheeled friend can often exist as a black hole that swallows up the entirety of our bank balance, with fuel, insurance, and repairs taking up the majority of expenditure. Thankfully, these unseen expenses don’t have to mean that your life is going to be destined to public transport. Rainy mornings stood at the bus shelter aren’t a certainty, as there are numerous ways you can drive down the cost of your motoring experience. In this article, we take a look at the variety of ways you can cost cut on the commute without leaving the car at home!…

3 Steps to Reducing Your Businesses Energy Costs

When it comes to owning a business, there are various costs that you have to factor in to help keep the business afloat and maintain good performance. From employee wages to monthly office bills, there are a host of costs that have to be paid and it’s a given that any business owner will want to keep them as low as possible. A large percentage of outgoings for any business is the amount that is spent on energy usage. Electricity and heating are undoubtedly two of the biggest contributors to the amount that is being spent by any business each month, but there are a number of ways in which the amount you’re spending can be reduced.…

5 Challenges You May Face with Debt Management

The first steps toward addressing your debt involves taking a hard look at your financial situation and learning more about the possible strategies available to you. This is why meeting with a credit counselor can be helpful in the early stages. These qualified professionals can help with everything from creating a budget to exploring options for debt relief. A credit counseling agency may also inform you that you’re qualified to enroll in its debt management program. If you enroll in a debt management plan (DMP), you’ll start making one monthly payment to your credit counseling agency rather than paying your creditors directly.…

8 Online Tools to Invest in for Managing your Business Finances

It can be difficult owning a small business and managing all of the financial aspects that are involved to keep things running smoothly. Having excellent financial management tools can really help you to save time and money and have a transparent view of your business at every stage as you progress through the growth phases. In this article, we’ll take a look at eight online tools to help you in your financial management process. Of course, it goes without saying that in business, you need both the right tools and the right system.…

8 Habits to Keep your Finances on Track in 2020

It may seem that keeping track of your financial situation and controlling your money is as simple as reducing the number of expenses you are paying out. However, if you really want to see improvement in your financial life, you’ve got to develop some good financial habits around saving and investment. This will help you to stay on track of your financial goals in 2020. 1. Don’t live beyond your means Living within your means is the foundation of good financial health.…

How do you Deal with Undeclared Rental Income?

There are a number of important points to note down, when dealing with undeclared rental income: It is now more important than ever to ensure your tax affairs are up to date. Government systems are much improved and offer greater visibility on individuals who are not up to date. If you have only recently acquired a rental property, it may be possible to get things up to date by completing relevant tax returns. The Let Property Campaign is helping individuals with many years of undeclared income.…

Finding the Funding: A Guide to Investment Partners

If you have developed a business plan that you are confident will succeed, the only thing that may be standing in your way is securing the finances to put the plan in action. If you know how much funding you need and can identify what each dollar will be used, you can consider the benefits of looking for an investor to help with your startup. The benefits of working with professional investors can be a good idea if you know who the investment advisor is as a person.…

Millennial Employees: Changing the Face of Insurance Sales

Everyone seems to be talking about the new generation of millennials and how they are shaping the culture of the U.S., but few understand the far-reaching effect of a new mindset and skillset being brought to the table. A millennial generation is a group of tech-savvy individuals raised around and dependent upon the internet for almost everything. This group sees the world differently from the baby boomers and older generation, and these differences impact how they act and operate within the work environment.…

Cut Labor Costs with Time Clock Software

Punch Cards Are a Thing of the Past: Save Money with the Latest Clock-In Technology In business, an old-school approach can be very valuable—for instance, a face-to-face meeting with a client might leave a better impression than a quick phone call or email. Yet, when it comes to saving money, technology can be your friend. You’ve undoubtedly heard the phrase “time is money,” and we’re about to get literal with that old adage. Whether you’re using a punch card clock, a digital time clock, or a fingerprint clock, upgrading to an online time tracking system can reduce labor costs, saving you time and money.…