Decision time - PPI

If the truth be known, a government that doesn’t steal, kill or destroy its peoples’ dreams, promotes world peace, harmony, looks after the weak and vulnerable, and encourages sustainable living and fair opportunities, gets my vote.  And, if the voting system is not broken, why fit it. Hard times, decision time, trouble in the Middle East The news focus this week has been on the Middle East, while Lloyds, RBS and now Barclays stand to cough up over £6b+ in compensation for their part in misleading customers into buying payment protection insurance (PPI).  It’s not very often that we get real ‘cash back’.  PPI was presented to us in a way, that if we didn’t agree to accept it, we wouldn’t get the credit we were hoping for.  In some cases, people were not even asked, it was charged.  What’s an extra £5, £10, or £20+ a month on your repayment plan when you could have your mortgage, loan or credit/store card now. Have we finally won a battle fought on our behalf by the valiant FSA?  Well it certainly looks that way. (Let us know how you feel.  You can post your comments below) De-clutter tip So this weekend’s de-clutter tip is decision time.  Do you want your money back, especially when you didn’t need to have the policy, but felt compelled to?  Roll up your sleeves, find the old papers whether they be in the attic, garage or the back of the cupboards.  Or, if you’re organised, the filing cabinet.  Give us a call.  We can help get you started in the process, and you shouldn’t get thrown out of your bank for this one.  There are a few minor hoops but you’ve been jumping higher hurdles, I’m sure.  We deal with business coaching, mortgages, remortgaging, pension release advice, buy to let nightmares, credit card, debt solutions, business recovery, PPI support, money coaching or new ventures.                 Decisions, decisions, it’s your time now!

Regards

Saleah

saleah@moneyworkshops.co.uk
http://www.moneyworkshops.co.uk/

Rejoice, rejoice - back to work

Some weeks back, de-clutter tips talked about two weddings and we prayed no funeral.  This May bank holiday proved to be a roller coaster of emotions and a time of rejoicing.  There was Will and Kate’s marriage, followed by the death of Bin Laden.  Both, euphoric moments for celebration. Hard times, changed seasons, trouble in the Middle East Five months into 2011 and how times have changed.  Our mourning has turned to dancing.  May we receive a double portion of rejoicing to wipe away the tears our trying times.  There is something about weddings that makes you want to go out and buy new clothes and fix your hair. With renewed vigour, pull up the weeds in your life, whether it be, old connections holding you back or making a decision to cut free of those things that are not yielding any fruit.  It’s a bold step, as we are creatures of comfort.  Go down to the root. What now as we breathe sighs of relief?  Your future is waiting for you to step into without the baggage of the past. De-clutter tip So this weekend’s de-clutter tip is ‘get back to work’.  The old has gone and the new has come.  Where’s your action plan?  Work it.  Why should you mourn while others are rejoicing? And, why settle for the crumbs on the floor when you can sit at the banqueting table and enjoy what is before you?  If you’re struggling to get into the right frame of mind, give us a call.  We are hot on strategies for wealth.  Lastly, ‘with many counsellors a plan will succeed.’  We deal with business coaching, mortgages, remortgaging, pension release advice, buy to let nightmares, credit card, debt solutions, business recovery, money coaching or new ventures. Rejoice, rejoice, it’s your time now!

Regards

Saleah

saleah@moneyworkshops.co.uk
http://www.moneyworkshops.co.uk/

Marathon stroll jog or sprint

As they limber up for the London marathon, what’s our fitness levels like?  Would your race be a leisurely stroll, jog or sprint?  Either way, a journey of 26 miles begins with the first step. Hard times, NHS cuts, Middle East chase Hard times, is about a journey of change and destination, where faith is tested through tough terrains of endurance and confidence.  How long will it take for it to pass over and just be a distant memory, where we can say, it was hard back in the day, but we survived and won the race?  Everyone wins, just by crossing the finishing line.  Hard times will be over, just as there is an end to every day.  The NHS is being shaken up like tremors of an earthquake with no signs of abating.  And in the Middle East, pursuing Gaddafi has proved not to be a sprint, but a steeple chase.  There will be winners and losers.  Shortly, all eyes will be off them as celebrations and rejoicing will over shadow all news, to make way for the royal wedding. (You can post your comments on http://moneyworkshops.blogspot.com – let us know how you feel) De-clutter tip So this weekend’s de-clutter tip is ‘GO’.  Start your marathon.  Take the first steps towards your new business venture or review your position at work.  Do it with gusto.  If it’s a sprint – seize the opportunity and go for it.  Do not doubt you will achieve success. If it’s a jog, pace yourself.  Set milestones to check your progress.  A word of advice is, DON’T GIVE UP.  Be consistent you will make it.  And if your race is a leisurely stroll, don’t forget to enjoy the scenery – stop and pick the daisies, smell the roses, just breath.  Look forward to every moment of your marathon.  We can help you plan your route to success and develop your ideas or find finance.  We’ll be with you every step of the way.  We deal with new ventures development, money coaching, mortgages, remortgaging, pension release advice, buy to let nightmares, credit card & debt solutions, and business recovery. On your marks, get set, GO!

Regards

Saleah

http://www.moneyworkshops.co.uk/
saleah@moneyworkshops.co.uk

Kick start yourself

When the walls to a house are broken down, remember that if the foundations are good, it can be rebuilt into something more glorious.

Hard times, cut, cut, cut, Middle East – who’s winning?

We’re not talking small cash injections but BIG money.  The banks were in trouble due to over-extending credit, so the government pumped in tax payers’ money to rescue them.  Then our Irish neighbours were drowning under the weight of debt, and the government gave £7 billion to prop them up.   And now Portugal can’t continue carrying their burden of debt, so the UK will be asked to contribute to the bail out package.  Joe public has been asked to continue sacrificing in cuts.  Is it a case of profits over people, to make savings, which are later given away?  Admittedly, a good dose of money helps, but it is short lived.  What’s needed is real growth from sales to bring wealth back into small businesses.  The buying and selling of goods and services we actually need. (Let us know how you feel by making a comment below)

De-clutter tip

So this weekend’s de-clutter tip is kick start yourself.  Cutting back to the bare bone doesn’t produce real growth to sustain you.  Where’s your creativity? That’s worth more than you can imagine.  What can you do to get your creative energy going?  A good idea at the right time and place could pay dividends.  Once again, there’s no business without sales.  Plus you might need to consider exploring where to get small loans to increase your business potential. (I don’t mean the cash converter or the pawn shop.)  We can help. So who do you know that wants to kick start their ideas into real growth?  We deal with mortgages, remortgaging, pension release advice, buy to let nightmares, credit card & debt solutions, business recovery, coaching or new ventures.

Put plans into action!

Regards

Saleah

http://www.moneyworkshops.co.uk/
em: saleah@moneyworkshops.co.uk

Opportunity Knocks

Two weddings and we pray, no funeral.  With all this talk about weddings, did you get an invite from Will & Kate or Ed & Justine?  Well they are restricted on numbers, so don’t take it to heart if you didn’t. Hard times, new opportunities, Musa Kusa trouble in the Middle East With all this talk about marriages, it appears that Musa Kusa has defected from Libya and his long time relationship with Gaddafi has ended.  And, whose arms are open wide, saying ‘there, there, you’re well shot of that nasty man? Yes, it’s the UK.  What does this mean to Joe public?  We hope nothing.  Our minds should be firmly fixed on finding new opportunities in these hard times.  With the upturn in the weather, as you look along the high street, there’ll be no less people out there buying as usual.  What we see are big supermarkets taking their pick of empty shops and moving in.  How do big businesses get big?  Take for instance BP or Tesco.  They all have products that we want, but it takes millions of people buying, week after week to help them make billions.  Don’t underestimate the buying power of Joe public.  So anyone that has an opportunity that can reach the masses will do well right now.  But you’ll need to reach them. (You can post your comments on http://moneyworkshops.blogspot.com – let us know how you feel) De-clutter tip So this weekend’s de-clutter tip is about opportunities.  The door of opportunity knocks many times.  Make sure you’re there to answer it.  There are some good ones about if you have a good reach of people.  Contact us to learn more about the one on coffee for you coffee drinkers, or Utility Warehouse for cheap gas, electricity, phones and CASH BACK cards.  And, how’s your sales technique?  If it’s not that great, it can be improved.  There’s no business without sales.  These days the biggest endorsement for any product is you.  So who do you know that needs help spotting opportunities?  We can all be eyes and ears for each other.  We deal with mortgages, remortgaging, pension release advice, buy to let nightmares, credit card, debt solutions, business recovery, coaching or new ventures. Be ready for the next opportunity!

Regards

Saleah

http://www.moneyworkshops.co.uk/

Reviews and savings

The budget was everything it promised it to be and that was a big B for boring.  Don’t give up hope for your own expectations coming to fruition.  If it’s going to be, then it’s up to me’. You make it happen.

Hard times, tax guarantees, troubles in the Middle East

Mr Osborne delivered his second budget.  One thing that stood out was people with Lear jets and non domiciles needed to worry because they would be taxed more.  Well, if they can afford a Lear jet, what’s an extra 30 or 40% of tax to your pocket?  Very little!  While those of us with mere cars, can look forward to paying 1p less on a litre of petrol.  But don’t jump for joy yet. In some weeks’ time, there’ll be an extra 5p on the same litre.  So it’s hard cheese for us.  Let’s get serious.  We really need to look for where we can save money.  The mortgage/rent, food and utility bills are the largest monthly outlays.   Remember, if your fixed term mortgage is coming to an end then start planning NOW.  Then there’s food.  There’s no point in saying ‘the bill is what it is’.  I strongly believe in setting limits.  If you don’t, you’ll be enticed to buy every ‘buy 20, get one free’ deal that the supermarkets offer.  Where’s the savings in that?  These days the supermarkets appear to be in price wars, pitting themselves against each other, saying our price is cheaper than Tescos, or cheaper than Asda or Morrisons etc.  This looks suspiciously like an agreement where they take it in turns to have the lowest or highest prices. And Utility Warehouse supply gas, electricity and phones very cheap. (You can post your comments on http://moneyworkshops.blogspot.com/ – let us know how you feel)

De-clutter tip

So this weekend’s de-clutter tip is about savings.  Take the food bill.  If you could grow your own and live organically, apart from the hard work, you’d save money.  Buying fruit and veg locally could save something.  Because when you go to the supermarket for a few items, you end up buying loads.  There’s something not quite right about perfectly shaped and sized fruit and veg.  Think about it.  Besides food, who do you know that needs a review of their expenditure?  Get them to give us a call.  We’re giving a personalised budget.  We’ll talk about where savings can be made.  We deal with mortgages, remortgaging, pension release advice, buy to let nightmares, credit card, debt solutions, business recovery, coaching or financial reviews. There’s got to be a saving somewhere. 

Regards

Saleah

http://www.moneyworkshops.co.uk/

Peace of Mind

What more could you ask for than peace of mind.  But doesn’t it make a big difference now that the days are longer and much brighter.  Seeing a glimmer of sun makes you want to plan for better days. Hard times, debt mountain, troubles in the Middle East So where are we now?  Is there enough business around to ride out the storm of recession? We hear about government ministers with salaries over £100k and bonuses still on time, like clockwork. There must be.  Now’s not the time to give up sowing those seeds of hope.  Opportunities for increase still exist.  It’s like the yellow car game – once you start looking, you’ll eventually see one. How do we keep the debts down, while still remain optimistic? Bills need to be paid.  Perhaps new agreements can be made.  I’ve noticed one thing.  In the past, large companies merging together, making prenuptial agreements.  As long as they both benefit and profit they stay together.  And, when the objectives have been met, they plan a separation.  For this season, two are better than one: sharing resources, ideas, strengthening the bank balances, going forward for markets together.  Everyone gets a share of whatever business is out there.  If you’re employed, your income is capped.  But if you have your own business and clients are dwindling, before you give up and go back to finding a day job, consider alliances, partnerships and mergers.  You may still have something that the customers want.  You need to reach them. De-clutter tip So this weekend’s de-clutter tip is peace.  Peace of mind is also having a piece of the cake.  Debt management will help reduce payments.  However, being proactive in a slow market may give way to consider a marriage of convenience.  Who do you know that you could talk with about working together, sharing resources and business? Give us a call.  We can talk about synergies for growth.  We deal with mortgages, remortgaging, pension release advice, buy to let nightmares, credit card, debt solutions, business recovery and coaching.  A bit of peace gets creativity going again. Kind regards Saleah Let us have your comments!