Respondent.io – Review

This post may contain affiliate links please read our disclosure for more info. This video was first published on my YouTube channel; you can sign up for Respondent here – http://bit.ly/2JLgdI6

Increasing Your Income

Often the path to financial freedom isn’t complicated, or at least the next step isn’t, it could simply be that you need to increase your income without adding additional stress to your weekly routine. In this post, I focus on one website that will allow you to do that. As always with any review I publish, I have personal experience and results from using the product or service. I hope that you find it useful too.

Respondent.io Review

In this video, I review the Respondent website. This video will be of interest to people who are interested in earning income online and making money online generally. Respondent is a website that brings together companies wanting qualitative research for their products and services and research participants who are paid for their time taking part in market research interviews.

It is very much a qualitative approach, typically you will be interviewed  via webcam or in person by a market researcher for 45 minutes. Within 8-10 days you will receive payment via PayPal. Respondent is a good way to earn extra cash; in the video I discuss the process of applying for research interviews, the cash amounts available and my personal  experience with Respondent.  You can sign up for Respondent here http://bit.ly/2JLgdI6

Next Steps

Would you like to earn some extra money on Respondent? You can sign up Sign up for Respondent here -> http://bit.ly/2JLgdI6    Have you heard of Respondent before? Let me know in the comments section below.

DSX The Professional Crypto Exchange

If you have enjoyed this post you will also like the following posts:

How to Monetize Twitter with Affiliate Marketing

Top 3 High Paying Affiliate Programs

What to do if you are Made Redundant: 5 Steps

How to Control Your Cashflow With a Bill Payment Schedule

Credit Cards: How to Make Balance Transfers Work For You

Should you Combine Pensions?

What’s the Best Strategy for Clearing Debts?

Save up to £300 per year by Changing Broadband Supplier

Investments: Why Saving is Not Enough 

How to Stop Emotional Spending

Water Bills: Are you Pouring Money down the Plughole? 

How to Stick to Your Budget During Summer: 5 Tips 

Save Money by Switching Energy Supplier Every Year 

My aim with each blog post is to help you move to a better financial future. I believe that there is not enough financial education in the national curriculum and I intend to share anything helpful that I have learned along the way. I am by no means a financial expert. None of the information on this website constitutes financial advice and is provided as general information only.  This is my personal finance blog; my marketing blog is over here and I have been blogging there since 2010. I hope you have found this information useful. Thank you for reading.

Best regards,

Mike

 

Top 3 High Paying Affiliate Programs

This post may contain affiliate links please read our disclosure for more info. This video was first published on my YouTube channel. 

Affiliate Marketing

If you do not know anything about affiliate marketing, please read this post first, Is Affiliate Marketing Easy to do?

Affiliate marketing links and banners take time to set up but can prove to be very lucrative in the long run. It makes sense to become an affiliate for programs that drive the best return on investment, in most cases these are the high paying affiliate programs.

In this video, I discuss the top 3 high paying affiliate programs  that I have experienced personally. Before selecting any Affiliate Marketing Program to join, I  reviewed each program to ensure that it was in alignment with my values and those of my business.

Affiliate Programs

There are hundreds of affiliate programs that you can join, it is possible to approach some potential affiliate partners direct and many more can be accessed via an affiliate marketplace. ShareAsale is an example of an affiliate marketplace with over 4500 merchants. After joining ShareASale, it is easy to apply for the the affiliate programs of those merchants; many categories of products and services are represented on the platform.

Have you applied to join any affiliate marketing programs? Have you started Affiliate Marketing? Let me know in the comments section below.

DSX The Professional Crypto Exchange

If you have enjoyed this post you will also like the following posts:

Is Affiliate Marketing Easy to do?

How do you Monetize Twitter With Affiliate Marketing?

What to do if you are Made Redundant: 5 Steps

Credit Cards: How to Make Balance Transfers Work For You

What’s the Best Strategy for Clearing Debts?

Save up to £300 per year by Changing Broadband Supplier

Investments: Why Saving is Not Enough 

Water Bills: Are you Pouring Money down the Plughole? 

How to Stick to Your Budget During Summer: 5 Tips 

Does Your Choice of Supermarket Matter? 

Save Money by Switching Energy Supplier Every Year 

My aim with each blog post is to help you move to a better financial future. I believe that there is not enough financial education in the national curriculum and I intend to share anything helpful that I have learned along the way. I am by no means a financial expert. None of the information on this website constitutes financial advice and is provided as general information only.  This is my personal finance blog; my marketing blog is over here and I have been blogging there since 2010. I hope you have found this information useful. Thank you for reading.

Best regards,

Mike

References

How do you Monetize Twitter With Affiliate Marketing?

This post may contain affiliate links please read our disclosure for more info. This video was first published on my YouTube channel. 

Affiliate Marketing

We will need to embrace alternative ways of generating income if we are all to achieve our goal of financial freedom. In most cases, selling your time for money in a traditional job will not be enough.

If you have read this post, Is Affiliate Marketing Easy to do?, you will know that Affiliate Marketing is one of those alternative methods that could help you achieve your financial goals much faster.

Globally the Affiliate Marketing industry is worth $12 billion and is predicted to grow by 10% in the next few years*. Affiliate Marketing could become an additional revenue stream for you.

In this video I demonstrate how to monetize Twitter with Affiliate Marketing. If you are not already a member of any affiliate programs, you’ll need to join a few and then you’ll be in a position to start making additional income from Affiliate Marketing.

How to Monetize Twitter

Twitter is a social media platform with 321 million monthly active users** ; recent research published by the Pew Research Center has confirmed that 80%  of tweets are sent by just 10 % of users. If you want to be successful with this monetization strategy, you will have to become one of the active 10% of users on the platform.

Have you thought about monetizing  your Twitter account? Have you started Affiliate Marketing? Let me know in the comments section below.

DSX The Professional Crypto Exchange

If you have enjoyed this post you will also like the following posts:

What to do if you are Made Redundant: 5 Steps

How to Control Your Cashflow With a Bill Payment Schedule

How to Boost Your Income With a Temporary Christmas Job – 4 Examples 

Credit Cards: How to Make Balance Transfers Work For You

Should you Combine Pensions?

What’s the Best Strategy for Clearing Debts?

Save up to £300 per year by Changing Broadband Supplier

Investments: Why Saving is Not Enough 

How to Stop Emotional Spending

Water Bills: Are you Pouring Money down the Plughole? 

How to Stick to Your Budget During Summer: 5 Tips 

Does Your Choice of Supermarket Matter? 

Save Money by Switching Energy Supplier Every Year 

My aim with each blog post is to help you move to a better financial future. I believe that there is not enough financial education in the national curriculum and I intend to share anything helpful that I have learned along the way. I am by no means a financial expert. None of the information on this website constitutes financial advice and is provided as general information only.  This is my personal finance blog; my marketing blog is over here and I have been blogging there since 2010. I hope you have found this information useful. Thank you for reading.

Best regards,

Mike

References

* https://hostingtribunal.com/blog/affiliate-marketing-stats/

** https://www.theverge.com/2019/2/7/18213567/twitter-to-stop-sharing-mau-as-users-decline-q4-2018-earnings

Personal Finance: How Should You Prepare for Brexit?

This post may contain affiliate links please read our disclosure for more info.

Image credit: https://www.irishnews.com/

For those of you not living in the UK, Brexit is a word coined to mark the Great Britain’s intention to leave the European Union. This decision was the result of a national referendum in July 2016 in which the electorate voted to ‘Leave’ or ‘Remain.’  The United Kingdom was very divided; 52% voted in favour of leaving and 48% voted to remain. Those who voted to leave did so without any real understanding of the repercussions of such a decision; they were encouraged by politicians who were economical with the truth. Now in December 2018, UK inhabitants find themselves heading towards Brexit and what looks like a self-inflicted recession.

Businesses and consumers have been heavily impacted; consumers are not spending as much as they used to and business people lack of confidence about the future. Businesses are currently less likely to invest in new equipment or staff and according to the GFK consumer confidence Index the current score for the UK is – 13. To give that some context, in December 2015 the confidence index score was +2. Significantly 2015 was the first time the index had remained positive for an entire calendar year since records began in 1974.

Prepare For Brexit

From a personal finance perspective, how can you better prepare yourself for the reality of Brexit? Below I have listed 4 practical steps you can take that will help.

Revisit Your Budget

Take a look at your current monthly budget and re-evaluate all of your expenditure. If there are opportunities to cut back – take them. For example, a lot of people have unmetered water bills even though in many cases a metered water bill will work out cheaper; read this post for information, Water Bills: Are you Pouring Money Down the Plughole?  There may be other opportunities for you to cutback.

Assess Your Employer & Job Stability

In financially challenging circumstances many companies suffer and some go into administration. In the UK, we have seen this with the demise of Maplin and Toy R Us.  

The task for you is to dispassionately assess how well your employer is doing and how likely/unlikely it is that you be made redundant. Do not rely on any  assurances from the management team at your company; do your own independent research. If you think that you could be made redundant save more money into your emergency fund.

Reduce Discretionary Expenditure

In personal finance circles, there is a lot of discussion around how much impact cutting out daily Lattes will have on the path toward better financial health. That’s a choice that you are best placed to make. However, what is sensible is to rein the dining out occasions and perhaps replace them with entertaining friends at home. Beyond entertaining, holidays are another area that you should review. Choosing a more cost effective destination or changing an international holiday to a UK based ‘staycation’ will give you greater financial comfort. Also, do not go overboard at Christmas.

Review All of Your Financial Products

Review all of your financial products including savings, mortgages, investments and pensions. Assess the impact on Brexit in each case and evaluate whether you should continue with your current provider. If appropriate, change to better performing products with other providers to maximise your returns.

How are you preparing financially for Brexit? Let me know in the comments section below.

DSX The Professional Crypto Exchange

If you have enjoyed this post you will also like the following posts:

4 Credit Cards to Repair Your Credit Score

Take This Free Financial Literacy Course Today

Cryptocurrency Exchange: This is Why I Recommend DSX

What to do if you are Made Redundant: 5 Steps

How to Control Your Cashflow With a Bill Payment Schedule

How to Boost Your Income With a Temporary Christmas Job – 4 Examples 

Credit Cards: How to Make Balance Transfers Work For You

Should you Combine Pensions?

What’s the Best Strategy for Clearing Debts?

Save up to £300 per year by Changing Broadband Supplier

My aim with each blog post is to help you move to a better financial future. I believe that there is not enough financial education in the national curriculum and I intend to share anything helpful that I have learned along the way. I am by no means a financial expert. None of the information on this website constitutes financial advice and is provided as general information only.  This is my personal finance blog; my marketing blog is over here and I have been blogging there since 2010. I hope you have found this information useful. Thank you for reading.

Best regards,

Mike

Follow me on Pinterest

Is Affiliate Marketing Easy to do?

This post may contain affiliate links please read our disclosure for more info.

Image credit: https://partnernetwork.ebay.co.uk/

Affiliate Marketing is the process of earning commission by promoting a company’s good or services. In most cases, this commission is earned when a web visitor is sent from one website through to a retailer’s website and goes onto to make a purchase.

For example, if you are an affiliate partner for Amazon and one of your web visitors clicks through to to make a purchase via your promotional link, you will receive a commission. It is not essential that you have a website; it is possible to  achieve the same by posting your links via Social Media, Having said that, if you want to take a more structured approach to Affiliate Marketing, creating a website will help you do this.

Affiliate marketing can boost your household income if you can master it and for that reason it is worth considering.

I answered a question on Quora related to Affiliate Marketing that I have chosen to share here too.

Liberty,

Thanks for the question.

If you are thinking about affiliate marketing for your blog, here are some considerations for you.

Affiliate Marketing Considerations

Time

Yes, you could get affiliate income in a few weeks but if you want to be realistic you should allow about a year to create significant income. On reading this, most people will no doubt click away. The article I have linked to below is one you should read.

How Long Affiliate Marketing Takes – Affiliate Marketer Training

Choice of Affiliates

Evaluate your niche and pick only the appropriate affiliates for your audience (assuming that you have built an audience for your blog). Don’t just sign up for Bluehost because the commission is quite good and you read that Pat Flynn and Michelle Schroeder-Gardner earn $50,000 per month from Bluehost. Those guys have a massive audience full of newbies. Maybe your audience isn’t people getting started earning money online. There are some great affiliate programs and many of them are not as well known as Bluehost and Amazon.

Be Prepared to Earn Nothing Per Month

For every blogger proclaiming that they earned $15,000 per month from Affiliate marketing there are many more who earned nothing. That is the reality that creators of Affiliate marketing courses do not always tell you. My experience has been in the middle… sporadic earnings but no consistent income. Nice bonuses here and there but not predictable.

Evaluate Your Affiliates and Dump Poor Performers

Even affiliate programs that are strategically aligned with your blog’s purpose and vision might not work with your audience. If that is the case, after testing for a few months, dump that affiliate and replace it with a new one.

Don’t Sign Up To Too Many Affiliate Programs

Avoid signing up to too many programs. You will need to keep track of them and assess click and conversion rates; signing up to 20 programs is not what I would recommend. Think quality over quantity.

I could probably write pages about this topic but I will end it here. I hope my list of considerations/ danger signs has been useful to you.

Good luck!

Are you an affiliate marketer? Is it a side hustle that you will investigate? Let me know in the comments section below.

DSX The Professional Crypto Exchange

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Take This Free Financial Literacy Course Today

Cryptocurrency Exchange: This is Why I Recommend DSX

What to do if you are Made Redundant: 5 Steps

How to Control Your Cashflow With a Bill Payment Schedule

How to Boost Your Income With a Temporary Christmas Job – 4 Examples 

Credit Cards: How to Make Balance Transfers Work For You

Should you Combine Pensions?

What’s the Best Strategy for Clearing Debts?

Save up to £300 per year by Changing Broadband Supplier

My aim with each blog post is to help you move to a better financial future. I believe that there is not enough financial education in the national curriculum and I intend to share anything helpful that I have learned along the way. I am by no means a financial expert. None of the information on this website constitutes financial advice and is provided as general information only.  This is my personal finance blog; my marketing blog is over here and I have been blogging there since 2010. I hope you have found this information useful. Thank you for reading.

Best regards,

Mike

Follow me on Pinterest

https://www.quora.com/What-danger-signs-should-I-look-for-when-looking-to-start-affiliate-marketing-on-my-blog/answer/Mike-Pitt-1

 

Take This Free Financial Literacy Course Today

This post may contain affiliate links please read our disclosure for more info.

Image credit: https://vdc.edu.au/

One of the goals I set for myself for this blog was to help people improve their level of financial literacy.

What is Financial Literacy?

‘Financial literacy is the confluence of financial, credit and debt management and the knowledge that is necessary to make financially responsible decisions – decisions that are integral to our everyday lives.’

Kristina Zucchi, a contributor to www.investopedia.com

With each blog post, I have intended to spread financial awareness and increase the knowledge base of my readership. The feedback I have received suggests that this has been appreciated. Thanks to all of you that took the time to feedback. Another way of spreading financial literacy is by sharing details of a free financial literacy course. Over the course of the last couple of weeks, I have been searching for a free resource that I could share with my readers.  I have now found a suitable course and this course is the focus for today’s blog post.

Free Financial Literacy Course

This financial literacy course provides a good introduction to personal finance and money management. The course is supplied by Alison.com the free online learning platform set up as a For Profit Social Enterprise in 2007 by Mike Feeric. Alison.com was started in Galway, Ireland and now has over 12 million students from 195 countries. The course that I have selected has been studied by sixty nine thousand students and has a rating of 4.1 stars. The course will take approximately 6-10 hours to complete.

Click here to be taken to the course landing page.  

Continual Learning

As we continue on this journey towards financial freedom, I will share other helpful resources with you. I hope that you find this course useful. I believe that it is important for us to continue learning and improving our knowledge base.

Have you taken any financial literacy or money management courses before? Let me know in the comments section below.

DSX The Professional Crypto Exchange

If you have enjoyed this post you will also like the following posts:

Cryptocurrency Exchange: This is Why I Recommend DSX

What to do if you are Made Redundant: 5 Steps

How to Control Your Cashflow With a Bill Payment Schedule

How to Boost Your Income With a Temporary Christmas Job – 4 Examples 

Credit Cards: How to Make Balance Transfers Work For You

Should you Combine Pensions?

What’s the Best Strategy for Clearing Debts?

Save up to £300 per year by Changing Broadband Supplier

Investments: Why Saving is Not Enough 

How to Stop Emotional Spending

My aim with each blog post is to help you move to a better financial future. I believe that there is not enough financial education in the national curriculum and I intend to share anything helpful that I have learned along the way. I am by no means a financial expert. None of the information on this website constitutes financial advice and is provided as general information only.  This is my personal finance blog; my marketing blog is over here and I have been blogging there since 2010. I hope you have found this information useful. Thank you for reading.

Best regards,

Mike

Follow me on Pinterest

 

Cryptocurrency Exchange: This is Why I Recommend DSX

This post may contain affiliate links please read our disclosure for more info.

You can sign up to DSX here. This video is called,  Cryptocurrency Exchange: Why I Recommend DSX by Mike Pitt.

If you have read this post, Has the Cryptocurrency Bubble Burst? you will be aware of the inherent volatility within cryptocurrency markets and also the tremendous investment opportunity presented by them. Even though fortunes have already been made by some we are still very much in the early stages of crypocurrencies. In August, I took the opportunity to research and review a UK based cryptocurrency Exchange called DSX.  In this video*, I explain why I am happy to recommend DSX to those considering investing in cryptocurrencies.

Cryptocurrency Exchange

There are many cryptocurrency exchanges all around the world. A quick review of Coinmarketcap.com, shows that Binance is the biggest when compared by trading volume. However, trading volume is not the only consideration when comparing Cryptocurrency Exchanges. The fees charged for transactions, deposits and withdrawals are also very important. The more transactions that you execute the more fees you have to pay. DSX has low fees compared to other exchanges that I have used. I speak about this and other considerations in the video.

* This video was first published on my YouTube channel and some of the written content was originally published on my marketing website. 

Have you invested in Cryptocurrencies? Are you considering investing?  Let me know in the comments section below.

DSX The Professional Crypto Exchange

If you have enjoyed this post you will also like the following posts:

What to do if you are Made Redundant: 5 Steps

How to Control Your Cashflow With a Bill Payment Schedule

How to Boost Your Income With a Temporary Christmas Job – 4 Examples 

Credit Cards: How to Make Balance Transfers Work For You

Should you Combine Pensions?

What’s the Best Strategy for Clearing Debts?

Save up to £300 per year by Changing Broadband Supplier

Investments: Why Saving is Not Enough 

How to Stop Emotional Spending

Water Bills: Are you Pouring Money down the Plughole? 

How to Stick to Your Budget During Summer: 5 Tips 

Does Your Choice of Supermarket Matter? 

Save Money by Switching Energy Supplier Every Year 

My aim with each blog post is to help you move to a better financial future. I believe that there is not enough financial education in the national curriculum and I intend to share anything helpful that I have learned along the way. I am by no means a financial expert. None of the information on this website constitutes financial advice and is provided as general information only.  This is my personal finance blog; my marketing blog is over here and I have been blogging there since 2010. I hope you have found this information useful. Thank you for reading.

Best regards,

Mike

What to do if you are Made Redundant: 5 Steps

This post may contain affiliate links please read our disclosure for more info.

Image credit: https://recruitingtimes.org/

There may come a time during your career when you are made redundant, in the United States the term used is Laid off. It is not usually a pleasant experience but it can prove to be a springboard to new opportunities. Having been through the experience myself, my advice is to take the steps that I have outlined in the post below. The Retail industry is an example of an industry that seems more susceptible to redundancies than others but the truth is that it can happen across the board an in many sectors. Once you have taken time to understand the practical implications of being made redundant, you should then create a financial action plan that will keep you focused on your financial goals.

If You Are Made Redundant

Emergency Fund

If you have an emergency fund, assess how much is in it and how long you will be able to cover living expenses after you receive your final salary cheque. Be as detailed as possible because this will determine the maximum time you have available to find another job.

Monthly Budget

Revisit your monthly budget, are there any areas that can be reduced? Rather than wait until you are in a desperate position, cut back on entertainment and other discretionary expenditure now. You will be able to reintroduce them when your employment status improves.  Consider your approach to food and increase the number of home cooked meals you make instead of visiting restaurants or buying takeaways. It will surprise you have much can be trimmed off your expenditure in this way.

Looking For Employment

Search for new roles as soon as you are informed that you will be made redundant. Search for career relevant jobs and side gig / second jobs at the same time. You will find that these side gigs/ second jobs often have a more urgent need and a faster turnaround time. The main benefit of this is that you will be able to get money coming into your account sooner than if you rely solely on career relevant jobs that may have a lead time of 2 -3 months. Keep a spreadsheet of jobs that you have applied to.

Transport

Assess your vehicular needs, do you need a car? If you have two, could you manage with one?  I recommend that you consider these questions dispassionately; don’t be concerned about what the neighbours will think. In the major cities of the UK and other cities around the world, it is possible to hire cars on hourly basis. You could hire a car for a few hours and then return it.

There are quite a few car sharing companies in London, for example, Enterprise Car Club, Easy Car and Zipcar. Ensure that you read the terms and conditions before signing up. Renting cars rather than having your own to maintain and run could save you a significant amount and buy you more time whilst looking for another job.

De- Clutter and Sell Unwanted Items

If your emergency fund is going to run out soon or if you don’t have an emergency fund start to de-clutter your home. Selling unwanted or unused items via websites such as Gumtree or Ebay will help you raise additional funds that can go into your emergency fund. This will buy you more time whilst you are searching for a new job.

Have you ever been made redundant? Did you get your financial house in order? Let me know in the comments section below.

DSX The Professional Crypto Exchange

If you have enjoyed this post you will also like the following posts:

How to Control Your Cashflow With a Bill Payment Schedule

How to Boost Your Income With a Temporary Christmas Job – 4 Examples 

Credit Cards: How to Make Balance Transfers Work For You

Should you Combine Pensions?

What’s the Best Strategy for Clearing Debts?

Save up to £300 per year by Changing Broadband Supplier

Investments: Why Saving is Not Enough 

How to Stop Emotional Spending

Water Bills: Are you Pouring Money down the Plughole? 

How to Stick to Your Budget During Summer: 5 Tips 

Does Your Choice of Supermarket Matter? 

Save Money by Switching Energy Supplier Every Year 

My aim with each blog post is to help you move to a better financial future. I believe that there is not enough financial education in the national curriculum and I intend to share anything helpful that I have learned along the way. I am by no means a financial expert. None of the information on this website constitutes financial advice and is provided as general information only.  This is my personal finance blog; my marketing blog is over here and I have been blogging there since 2010. I hope you have found this information useful. Thank you for reading.

Best regards,

Mike

Follow me on Pinterest

 

 

 

 

 

 

Boost Your Income With a Temporary Christmas Job : 4 Examples

This post may contain affiliate links please read our disclosure for more info.

Image credit: https://www.thetimes.co.uk/

If you have spent any time researching ‘making money online’ as I have for this website, you will soon realise that there are lots of articles and videos pointing you towards websites that help you make money. Nothing wrong with that in itself, but when you dig a little deeper you soon find that the opportunity isn’t as appealing as it often presented in videos on YouTube. Let me give you just a couple of examples; survey sites that inform that you are not eligible only after you have been through 50 minutes of screening questions or user testing websites where you are competing with a large online community to be picked for one of the few tests that are available each week.

In this post I want to take an old school approach to boosting your income by concentrating on Christmas seasonal jobs rather than anything online. The reason I am focusing on Christmas seasonal jobs is because many people with money concerns have them because they simply do not earn enough money. Their challenges are not because they are compulsive spenders or cannot budget, it is because they need more monthly income.

The ‘Underemployment’ Trend

In the last ten years, an employment trend has emerged in the UK, this is the trend of underemployment. More adults are working part- time roles because they could not find suitable full time work.  Sports shop retail workers on zero hours contracts are just one example of this phenomenon. According to ONS data, ‘underemployment’ has actually got worse since 2008.  Many adults would be glad of a second job that would allow them to boost their income.

Temporary Christmas Jobs: Examples

In the run up to Christmas, there are always plenty of temporary Christmas jobs available if you know where to look. In the UK, websites including indeed.co.uk. Reed.co.uk and Gumtree.com will be helpful to you if you want to begin your search. Below I have listed 4 examples of temporary Christmas jobs that are currently available.

Temporary Sales Assistant

People are shopping more often because they need to buy presents for Christmas as well as food and other provisions.  Large department stores and supermarkets often need additional staff and many temporary positions do not require experience because training is provided.

Temporary Stock Replenishment (Shelf Stacker)

As a natural consequence of more people shopping more often the shelves and stock cupboards need to be re-filled more frequently and there will be jobs available in the Stock Replenishment team at many department stores and large supermarket stores.

Christmas Postal Worker

At Christmas-time, people send more letters, cards and parcels through the post than during other months creating new jobs for temporary postal workers. The roles available will require you to sort and deliver mail during the run up to Christmas.

Delivery Drivers

Not all Christmas mail is delivered by the Post Office, there will also be a requirement for additional delivery drivers for companies including Amazon. In addition, there are also a host of consumer food apps including Deliveroo, Just eat and Uber Eats that have a constant need for new drivers.

I hope you find this information about Christmas jobs useful. Have you applied for temporary Christmas role? Let me know in the comments section below.

DSX The Professional Crypto Exchange

If you have enjoyed this post you will also like the following posts:

Credit Cards: How to Make Balance Transfers Work For You

Should you Combine Pensions?

What’s the Best Strategy for Clearing Debts?

Save up to £300 per year by Changing Broadband Supplier

Investments: Why Saving is Not Enough 

How to Stop Emotional Spending

Water Bills: Are you Pouring Money down the Plughole? 

How to Stick to Your Budget During Summer: 5 Tips 

Does Your Choice of Supermarket Matter? 

Save Money by Switching Energy Supplier Every Year 

How to Stop Impulse Buying – 10 Ways

Have you Found all of Your Dormant Accounts?

Can you live off a Cash Budget for a Week?

My aim with each blog post is to help you move to a better financial future. I believe that there is not enough financial education in the national curriculum and I intend to share anything helpful that I have learned along the way. I am by no means a financial expert. None of the information on this website constitutes financial advice and is provided as general information only.  This is my personal finance blog; my marketing blog is over here and I have been blogging there since 2010. I hope you have found this information useful. Thank you for reading.

Best regards,

Mike

Follow me on Pinterest

Should you Combine Your Pensions?

This post may contain affiliate links please read our disclosure for more info.

Image credit: http://www.yourmoney.com/

Over the course of your career, you are likely to move jobs and contribute to more than one pension. Keeping track of all your separate pensions and monitoring the relative performance can be a difficult task; there’s also the often complicated fees and charges to be taken into consideration too. It is no wonder that many working adults in the UK do not stay on top of their retirement planning in general and pensions in particular.

Your Pensions and Performance

When you have tracked down your pension pots, write to the pension providers and if necessary advise them of your new address. I add this point in because whenever I have lost track of a pension it is because pension providers have been sending the annual statements to an old address. You must notify them when you move house. Once your details have been verified, when you call your pension provider they will be able to give you a statement balance for your pension. Repeat this step for each of your pension pots. Ideally you will have the balance from previous years too. This will enable you to calculate which is your best performing pension.

Exit Charges

Once you have worked out which is your best performing pension it would be great if you could simply move all of your pensions into the best performing pension and go on to live happily ever after. Well, unfortunately it is not that simple, whilst most pension providers will usually let you add to an existing pension pot free of charge the same cannot be said ot exiting an existing pension plan. You are likely to face exit charges for exiting the pension plan early. Give your pension provider a call to find out the full extent of the charges that you will face if you exit the pension plan.

What Should You do?

After your research and phone calls, you will have a better understanding of whether it is a good idea to combine all of your pension pots into one. I cannot give a generic recommendation in this case. Please also consider the investment funds that your pensions are invested in on your behalf. You could have set them up with different risk profiles; keeping separate pension pots could be a smart way to diversify your pensions portfolio and reduce investment risk. At some point as you are evaluating your pensions and deciding what to do it would be sensible to consult an independent financial adviser.

Have you tracked down a lost pension pot recently ? Have you worked out which is the best performing pension? Let me know in the comments section below.  There is no need to write any specific amounts!

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My aim with each blog post is to help you move to a better financial future. I believe that there is not enough financial education in the national curriculum and I intend to share anything helpful that I have learned along the way. I am by no means a financial expert. None of the information on this website constitutes financial advice and is provided as general information only.  This is my personal finance blog; my marketing blog is over here and I have been blogging there since 2010. I hope you have found this information useful. Thank you for reading.

Best regards,

Mike

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