Five Ways To Balance Working From Home

As we push through our third lockdown (or fourth, who knows?) here in the UK, we have been forced to adapt our routines to fit around working from home on a long-term basis. It has been far from easy, but these five tips have allowed many people to find some form of balance.

1. Prioritise using your calendar

Keeping track of the day and the time can become difficult when working from home on a long-term basis. Working from your calendar allows you to set reminders for tasks that you may have forgotten about on the day or week that they need to be completed. If you’ve been struggling to stay on top of things during lockdown, rest assured that you aren’t the only one. Using you calendar more can ease the pressure of trying to remember everything you need to do.

2. Break down your workload into small tasks

It’s easy to think that working from home means you can get a lot more done because you are in your own space. For some people this is the case, but for others, working from home can allow them to become complacent and less productive compared to if they were working on location. Breaking down your workload for the week into smaller tasks can help you achieve more than if you were to attempt tackling your workload all at once. Being stuck indoors can become a drag, and it is easy to start the procrastination process, but completing at least two tasks a day is better than completing no tasks at all. Tailor your workload to your new environment, not to what you were used to doing before working from home.

Working from your calendar and breaking down your workload can make work easier overall.

3. Schedule regular breaks

Many are the first to admit that when working from home, they can get sucked into what they’re working on and forget to take regular breaks. When working from home on a long-term basis, it is absolutely essential that you make the effort to take regular breaks. Whether that may be to have something to eat or to stretch your legs, sitting in one place for extensive periods of time can disrupt your posture and cause you to overwork because you are in a comfortable space.

4. Get some fresh air

Imagine working from home 9-5 for five days a week and not going outdoors to get some fresh air. It wouldn’t be ideal for you physically or mentally. Taking a walk around the block or doing your weekly shop allows you to get out of the house and take your mind off work for a while. The lockdown has kept us isolated for long periods of time, and many people have become used to staying indoors. There is nothing wrong with being cautious, but fresh air and some sunlight can make a great difference to your mood.

5. Set a clock off time for yourself

Setting a clock off time is the most crucial point of all. If you are a freelancer or self-employed, it can be very tempting to work on your projects all day. Even more so if you enjoy what you’re working on and want to get as much done as possible while you have all this time on your hands. This approach to work can be disruptive to your usual work and sleeping pattern. We all hope to be released from lockdown soon, so it is important to maintain some routine as best you can so you don’t suffer a burn out.

Set a work routine that works for you.

It has been a stressful year for all of us here in the UK, and all of us across the world. It is essential that we stay positive and believe that we will all prevail. Thank you to all our readers for sticking around through these hard times.

T K Williams-Nelson

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Why Over 18’s Should Consider Making A Will

Whether you’re in your early 20’s or in your late 50’s, making a will is necessary if you would like a say in how your assets are shared after you have passed away. If 2020 has shown us anything, it’s that anything can happen at anytime, and it doesn’t hurt to be prepared for the worst.

Here are four reasons why all those over 18 should consider making a will:

  • With developments in technology, more people are able to start earning substantial amounts of money from a younger age. From influencers to bloggers, the internet and the rapid consumption of media, there are easier ways to become wealthy compared to 20 years ago. In the event of something happening suddenly, a will lets your family know how you would like your assets to be shared. You can update your will as you wish at anytime.
  • A will is important if you have people that depend on you financially e.g. children or other family members. It can ease the pressure of distributing assets during an stressful time. It also let’s beneficiaries know where they stand regarding what they are entitled to.
Creating a will can make the bereavement process easier on your loved ones.
  • Having a will can help reduce the amount of inheritance tax that you have to pay to the government after you have passed away. Inheritance tax is compulsory for those with an estate worth over £325,000. If your home is left passed on to your children or grandchildren, the inheritance tax threshold can increase to £500,000. Outlining your wishes can simplify this process for your executors in future.
  • If you are young and suffer with a long-term health condition, it would be beneficial to create a will in the event of sudden death. Regardless if you have many assets or not, you may still want a say in how you are laid to rest and having a basic will can let your family know your requests.
If you have a long-term health condition, a will can outline your wishes in the event of sudden death.

It’s never easy think about the process after death, but it is necessary to ensure that your wishes are carried out in the best way possible. Although a will does provide security for your assets, it does not mean that others can’t contest it if they disagree with what has been outlined. In addition to a will, something to also consider is appointing some as your lasting power of attorney.

T K Williams-Nelson

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Six Simple Budgeting Tips For Couples

Budgeting on your own can be difficult, however in a partnership, managing finances comes with a new set of challenges. Here are six budgeting tips for couples that can ease financial pressure, and make more time for the things that matter most.

1. Communicate with your partner about finances openly

When in a relationship, your finances become merged to an extent depending on your circumstances. Communicating openly with your partner about your money management and encouraging them to do the same can help you both avoid unexpected expenses.

2. List and monitor joint outgoings regularly

Knowing what joint expenses allows you to manage your money better as a couple, but also allows you to budget better as an individual. Your income sources should be the main focus of your budgeting, and your expenses should never exceed this figure.

Saving Tip: Start saving your small change after your weekly shops instead of lump sums.

3. Make significant decisions as a couple

Decisions that involve joint finances should be made as a couple. Budgeting can be extremely complex if your partner may be overspending in some areas or making large purchases without your knowledge. Again, it comes to communication.

4. Learn eachothers spending habits

Whilst your partner may like to eat out often, you might like to splash out on self-care instead. Getting to know your partners spending habits allows you to budget more effectively. You’ll know where you need to cut back and where you can be more flexible with your finances.

Saving Tip: Set up a standing order to automatically save each month.

5. Categorise your budget plan

Breaking down your budget plan into different categories makes it easier to manage your money as a couple as well as individually.

Examples of categories could be:

* Utilities

* Savings

* Childcare

* Investments

* Food

* Recreation

6. Plan out your shared goals

By planning together, you are building together. Having a set of shared goals can help with budgeting as a couple. For example, reducing your spending when it comes to eating out because you’re both saving towards that dream holiday can get you on a plane sooner rather than later.

Saving Tip: Save as a couple as well as individually.

Managing finances as a couple can play a significant role in how happy you both are in your relationship. Once you both find the best routine for keeping track of your money you will have a clearer vision of where you are now, and where you want to go financially.

T K Williams-Nelson

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How To Protect Your Intellectual Property

It’s one thing to know what intellectual property is and another thing to decide what protection is right for you and your work. As discussed in our previous post, there are different ways to protect different types of work.

Creators get some rights automatically and other protections require you to apply. In the event that someone tries to steal or copy your work, having the right protection in place will make it easier to take legal action. The type of protection you can get is dependent on what you have created.

If your work is protected, you are entitled to take legal action against those who copy or steal it.

Top tips for protecting your intellectual property:

  1. It is best to not share your work until it has been registered.
  2. In the event that you do need to share your work before it has been registered, you should use a non-disclosure agreement.
  3. More than one type of protection can be associated with the same product. For example, you can register your business name and logo as a trade mark, and copyright the images or drawings of your products associated with that business.
  4. Be prepared for the costs of taking legal action in the event that someone copies or steals your work.

The different types of intellectual property protection are:

  • Copyright

Examples of intellectual property include, but are not limited to, writing and literary work, music, art, photography, films, web content and sound recordings.

  • Design right

Example of intellectual property is the shapes of objects.

Both copyright and design right are automatic protections that are acquired when you have created an original piece of work.

Other protections that require you to apply are:

  • Patents

Examples of intellectual property include, but are not limited to, inventions and products such as tools and machinery. Applications can take up to five years to be processed.

  • Trade marks

Examples of intellectual property include, but are not limited to, product names, logos and jingles. Applications can take up to four months to be processed.

  • Registered designs

Examples of intellectual property include, but are not limited to, the appearance of a product such as shape, packaging, patterns, colours and decoration. Applications can take up to one month to be processed.

Copyright is an automatic protection for specific types of work.

Protecting your intellectual property can be costly, but it is worth it when you consider the time, effort and money that you have invested into creating an original piece of work. For further information about the type of intellectual property protection you have, or think you may need, you can contact patent or trade mark specialist.

T K Williams-Nelson

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What Is Intellectual Property?

We’re back with our first post of 2021 and we’re getting straight into discussing the topic of intellectual property. With an unpredictable year ahead of us it’s important to ensure our work is protected in the ways that it needs to be. From musicians to photographers, your work is your creation, and this article tells you what you need to know about what intellectual property is and how it works.

What is intellectual property?

Intellectual property is work that you have created through your own thought process e.g. a story, a business idea, an invention or a symbol. Having the right intellectual property protection allows you to protect your work from others who steal or copy it.

Copyright is automatic for writing and literary works, films, web content, art, photography and more.

Different types of intellectual property protection:

  • Copyright
  • Patents
  • Designs
  • Trade marks

You get some intellectual property protection automatically, but other require you to apply. There are also requirements that have to be met for the protection you have to apply for.

You own intellectual property if you:

  • have created the work.
  • have purchased the intellectual property rights from the creator or the previous owner.
  • have a brand that is a trade mark e.g. a well-known product name.

Intellectual property can:

  • have more than one owner – for example, two partners in a business can share the intellectual property of a product they both created.
  • be sold or transferred – for example, an author can sell the rights to their book to a production company for media purposes.
Protecting your work can be costly, but it is always worth it.

If you’re self-employed, you own the intellectual property to your work even if the work was commissioned by someone else. For example, if a client commissioned and artist to paint a portrait, the artist would usually hold the rights to this work unless a contract states otherwise.

You would not usually own the intellectual property rights for work that you have created whilst working for someone else.

T K Williams-Nelson

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Five Ways To Save Money As A Small Business

2020 has been a great year for some businesses and a crushing year for others. Many companies have had to close down or re-adjust their practices to continue trading. According to research, approximately one quarter of all businesses have temporarily closed or paused trading due to the pandemic in the UK since April 2020. Over 82% of these business closures were from the arts, entertainment and recreation sectors, compared to 3.5% of human health and social health businesses (Statista, 2020).

Being a small business within any industry during these times can be challenging. Here are five ways that small businesses can save money, reduce stress and flourish.

Outsource work

One thing that can be stressful for small business owners is trying to do too much on their own. Running a business comes with many different roles that can’t all be fulfilled by one person. Outsourcing work to independent contractors and freelancers allows the right people to focus on the right things for your business.

There are freelancer platforms with thousands of experts waiting for new clients. People Per Hour and Fiverr are two of the best freelancer platforms for anything from social media management to graphic design. Take advantage of easy access to experts from around the world to reduce your employee expenses or your workload.

Hire smart but inexperienced

Experience is great but it costs more. Small businesses can benefit from hiring smart candidates that lack in experience. These candidates are more likely to have the drive and dedication you’re looking for because they are eager to get to work. It also helps you save on employee expenses because you’re able to set an entry-level salary. When looking to fill a new role, take a look at recent graduates and freelancers that could be a good fit for the position.

Take advantage of free resources

As a small business, free resources are a gold mine. If you’re thinking about creating a new business plan, you can find 100’s of business plan templates tailored to your specific business to help get you started. If you need information on how to save money as a small business, then this free blog is for you. When you need something, think about what free resources may be available before you spend and take advantage of them.

Save money on shipping costs

Shipping costs can add up for any small business. A great way to monitor and manage your shipping costs is to have a designated day or multiple days when you ship your products each week. Not only does this allow you to monitor the amount of orders shipped each week, but it allows you to to manage your shipping expenses in an easier way.

Think beyond the money

Money isn’t the only thing that can be used in exchange for services. If you’re an expert in your craft, then use these skills to negotiate. There are people that are willing to accept the services or products that you offer in exchange for the services and products that they offer. Thinking beyond the money can open more doors for your small business, and potentially bring you new customers along the way.

Being a small business owner has its challenges and its rewards, but these quick tips can help you maximise the rewards. Small businesses are essential for a fully functioning economy, and Time is Money Media aims to help you flourish through the hardest times with the best tips and tricks to keep you going.

T K Williams-Nelson

How A Good CRM System Can Boost Your Business

When it comes to the world of business, there are many ways to building lasting relationships with your customers. One of these ways is through customer relationship management, also known as CRM. CRM is the process of managing interactions with potential customers and existing customers to build relationships which have the potential to convert into sales.

What does CRM software do?

In a nutshell, CRM software records customer information such as email, phone, social media profile and more. The software then organises this information to provide you with an in-depth analysis of your customer relationships over time. Analysing this information can give you great insight into your audience and help you navigate your business more efficiently.

Different CRM systems have different features to help you engage with your customers on a deeper level. Common features include:

  • Email marketing
  • Calendar and reminders
  • Internal chat integration
  • Marketing automation
  • Task management

Choosing the right CRM system for your business can be based on multiple factors such as the size of your business and what you would like to achieve. If your aim is to increase sales, improve customer service and create marketing campaigns that convert, then a CRM system can help you achieve this.

Why is CRM important?

The main function of CRM is customer acquisition and retention. It allows you to develop relationships that can turn into profits. Not only is it suitable to build interactions with customers but it also allows you to gain a deeper insight into companies, partners and suppliers. A good CRM system is efficient for business because it automises and analyzes the data needed for you to create targeted marketing campaigns, provide excellent customer service and make more sales.

How can your business benefit from CRM?

There are many benefits to CRM for businesses across different industries including:

  • Maintain relationships between existing and potential customers.
  • Keep track of how well your marketing campaigns are performing.
  • Monitor employee progress e.g. sales targets.
  • Provide a common platform for customer interaction so crucial information isn’t missed.
  • Enables easy cross-team collaboration.
  • Access to reliable sales forecasting and sales metrics.

Regardless of what type of business you run, a good CRM system is helpful in the process of managing customer data which has the potential to boost your marketing ROI and help your business grow.


  • If you own a an e-commerce business selling goods, CRM could consist of email marketing, landing page creating and marketing analytics.
  • If you provide customer service and support, CRM may be done in the form of a live chat or ticketing systems.

What CRM system is right for you?

It’s important to choose a CRM system that fits your business. Different CRM platforms commonly have multiple price tiers so your system is tailored to the needs of your business. Other CRM platforms are completely free. Popular platforms include:

Whether you’re a small business or an established business, a customer relationship management system is a great way to create both short-term and long-term strategies for your business. As with everything, it will take time to find out what works for you but organising your customer data is a great start and maximising customer engagement is a great start.

T K Williams-Nelson

UX vs UI: What Do They Mean?

The tech world is constantly introducing new concepts when it comes to business and development. You may have heard the terms UX and UI in the same conversations and assume they mean the same thing, but they have different functions that come together to reach the same goal. There are no ‘official’ definitions of UX an UI, but this quick guide tells you everything you need to know about using these concepts to your advantage.

What is UX design?

The term UX stands for user experience, and refers to the experience that a user has when interacting with a product. UX is often associated with design, and is the process of creating a product, either physical or digital, that gives users a seamless experience that allows them to see the value of that product.

UX designers are tasked with focusing on the products consumption, but also have to take into account the accessibility of the product as well as how to troubleshoot it. There is no concrete definition of UX because it involves so many different aspects.

A good user experience is commonly defined as a product that meets its users needs in the context that they would use that product in. A bad user experience can be defined as a product that doesn’t let it’s users navigate easily or causes users to see no value in using the product for what it was designed for.

Good examples of UX design include:


The simplicity of Google is why it became a popular product.

Google is a brilliant example of UX design because of it’s simplicity. Most people don’t need to learn how to use Google, they simply type in the search bar and hit enter. It’s fast and easy to use which are two things that people are always looking for in a product. Extensions of the search engine such as Gmail and Google Drive are seamlessly linked together making it easier for people to navigate, and most importantly, making people repeat users.


LinkedIn is the go-to platform for employers and employees.

LinkedIn is another great example of a platform with good UX design. From allowing you to create an account to providing you with steps that make your account stand out to employers, LinkedIn has a UX design that fits its exact purpose of connecting people together in the job world. The platform is constantly making suggestions on how you can improve your profile and develop your skills which gives people direction. Another great feature is how they send out emails related to the jobs you’re searching for that provides you with the most recent listings every day. This keeps people going to the platform regularly and this is without access to the premium features that LinkedIn offer.


Twitter is one of the most popular social media platforms for millenials.

The UX design of Twitter is why it has become one of the most popular social media platform for millenials since it was founded in 2006. Similar to Facebook, it allows users to communicate by sharing information and content, but the difference is Twitter is specifically designed for micro content. Tweets have a character limit of 280. You can comment on other tweets related to your own and quote other tweets to be more direct. The features of Twitter determine how its users navigate the platform, and the approach to providing ‘fast-paced’ micro content keeps people engaged with what’s trending, celebrity news and what’s next all in one place.

What is UI design?

The term UI stands for user interface. Unlike UX, which can be associated with both physical and digital products, UI is solely a digital term. A user interface is the point of interaction between the user and a digital platform or product, for example the touchscreen on your tablet. UI design considers the interactivity of a product by focusing on the look and the feel in addition to the navigation of the product. UI designers look at elements such as:

  • Icons
  • Buttons
  • Typography
  • Colour schemes
  • Imagery

UI designers are similar to graphic designers. They have to consider the overall design of a product so the interface is attractive and and visually enticing for users. They have to ensure that all elements of the interface design fit the purpose and the theme of the product or application. Think about all the things you like about using your IPhone or Android, and how it makes you feel when you use it. That is a great UI at work.

Good examples of UI design:

McDonald’s Self-Service

McDonald’s was founded in 1955.

If you have ever used the self-service touchscreen to make your order in McDonald’s, this is a great example of UI at its best. From the imagery to the spacing, every element of the platform is designed to make ordering food easy and efficient. The size of the screen itself allows various options to be shown at once, and gives the consumer a sense of control over their purchase as they tap the products that they want to order themselves instead of ordering at the till. People can take more time to consider what they would like to purchase compared to ordering with a queue hanging behind them. The self-service process provides a seamless ordering experience from start to finish.

Air Bnb

Airbnb is a great platform for affordable accommodation.

The Airbnb website and app is another brilliant example of UI design in action. It’s a straightforward platform that allows people to search accommodation straight from the front page. The interface is designed to be conversational with questions such as ‘what can we help you find, Elaine?’, which creates a more personal experience for the user and inadvertently directs them to start planning their stay. The platform encourages communication with the process of connecting hosts of the properties listed with travelers, and providing reviews so people can make informed decisions without having to leave the platform once. The booking process is lighthearted, approachable and easy to use all round.

UX design and UI design go hand in hand to create a great product. UX design is about the overall feel of the product and how this highlights value to the user. UI design is about how the product’s interfaces look visually and function in response to the user. A great product will use both approaches to ensure the design is fit for purpose and generates a response in its users.

What is UX writing?

UX writing refers to writing for the user experience. UX writers produce the words you read and hear when using a digital product, and can often be confused with copywriting. Copywriting has more flexibility when creating content, where UX writing needs to be clear and concise in order to guide the user through the experience. Copywriters write for marketing purposes, whereas UX writers solely focus on writing for the user experience, not to market the product that they’re writing for.

Although UX writing is a relatively new term, it is common for employers to ask for this experience when applying for writing-based and content creation jobs. It’s always important to note that copywriting and UX writing do not have the same functions. UX writing is about content strategy, and copywriting is about attracting attention. Job descriptions can often be confusing if they require both, so it would be helpful for both you and your employer to clarify what type of writing is needed for the writing role.

T K Williams-Nelson

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Six Ways To Save Money As A Student

Being a student is hard enough as it is without having to worry about finances. From studying to balancing a social life, money management is often one of the last things students think about. It isn’t hard to still enjoy student life and save money while doing it. Here are six simple ways to save money that won’t compromise your fun

  1. Save money on your transport

If you’re a student travelling regularly on the train, you can buy a 16-25 Railcard which will save you 1/3 of your travel costs. The card costs £30 for one year and £70 for three years, and can save you up to £199 per year. Mature students can also buy a 26-30 Railcard for £30 offering the same benefits.

2. Use student discount platforms

Student discount platforms are a great way to save money on anything from clothing to software while you’re at university. You simply sign up with your information and student ID to get started. The best student discount platforms include:

  • Student Beans
  • Unidays
Save money on books by using your library.

3. Don’t overspend on books

Despite what your reading lists may say, you don’t need to purchase all the books that are recommended. For the books that you would like to buy, aim to purchase them second hand. For those who are unable to buy any books for their course, the library is always a great resource for academic texts that you may be looking for. Great online platforms for academic texts include:

  • Scopus
  • Research Gate
  • SAGE Journals

These platforms allow you to sign in with your university details and access a wide range of academic texts for free.

4. Take advantage of student bank accounts

Student bank accounts come with various benefits that other accounts don’t have. For example, many student bank accounts offer an interest free overdraft to provide students with a financial buffer. It’s important to stick to the terms of your agreement and pay what you owe on time to avoid any penalties.

5. Have more than one bank account

By separating your finances, you can gain a clearer picture of of what you have incoming and outgoing. You are able to have more than one student account at a time provided you meet the conditions, and this can allow you to separate finances such as your maintenance loan from your work wages. Being more organised with your money also lets you see how much you can afford to save and what can be used in the case of an emergency.

Credit cards can be costly in the long run.

6. Limit your use of credit cards

It can be easy to overspend as a student, so it’s important to remember that you should always aim to spend what you physically have. Credit cards come with additional fees and if you don’t stick to the conditions of your agreement, the penalties can outweigh the credit. If you do decide to get a credit card, opt for a cashback credit card so you can earn as you spend.

These six tips can save you money without much effort at all, and give you the time you need to focus on your studies.

T K Williams-Nelson

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10 Ways To Save Money On A Low Income

According to the Money Charity, 12.8 million households in the UK have less than £1,500 in savings. A common saving myth is that you need to save lump sums of money to achieve your saving goals. You don’t. You can save any amount that suits you and it can still come in handy on a rainy day.

Here are 10 ways to save money if you’re on a low income:

1. Switch your utilities

We all need gas and electric, and sometimes we can forget that savings can be made by switching to cheaper providers. Switching energy providers can be done quickly and easily online.

Comparison sites are a great way to compare different energy costs. We would recommend using:

Go Compare



2. Buy a saving pot for emergencies

We’re an advocate for physical saving. Where you can feel your money grow as well as see it. Buy a saving pot and start saving your spare change from weekly shops, recreational activities and anything else that leave spare change in your pocket. You would be amazed at how much you can save by following our everyday saver plan.

An emergency fund is essential.

3. Clear off minor debts in full

It can be easy to let debts linger, but paying off minor debts in full can both boost your credit score and save you money. Not having to pay that extra expense monthly gives you the opportunity to save that extra money.

4. Take advantage of discounts

Discounts are everywhere if you didn’t know. You just need to find them. When you intend to make a purchase online, search for any discount codes that may be available.

Groupon, and Wowcher are companies that offer brilliant savings purchases on travel to everyday goods. When searching for a product, type in ‘discount’ or ‘voucher’ to see if you can get a better deal. Many retailers have big discounts in-store as they aim to improve traffic in the run up to Christmas; take advantage of them.

Take advantage of sales and discounts.

5. Sell your unwanted items

It’s much easier to get rid of unwanted items with platforms such as Facebook Marketplace, Gumtree and Sphock. You can simply set up a listing and sell whatever you want. People are always looking for new things to buy, whether they’re old or new. The next time you do a deep clean, see what treasures can sell and add to your saving goals.

6. Slash your subscriptions

£2 billion each year is spent on subscription services in the UK, and the average person spends approximately £60 per year on these services.

We’ve all been guilty of having one too many subscriptions that we don’t use as much as we should. Cutting these subscriptions out of your expenses can save you more than you think.

Save on subscriptions you don’t use.

7. Claim benefits the you’re entitled to

You can easily check online to see the benefits you’re entitled to. Some of these may be payments for using extra energy during winter, or income support to top up your work earnings. If you have children, you may be entitled to child benefits to help support your family.

Use a benefits calculator to see what you may be entitled to.

8. Set up a standing order

Setting up a standing order can help you reach your saving goals faster. Having a small sum of money from your income automatically transferred into a separate account saves you from having to do this manually each month. It will leave your account just like your other expenses and you most likely won’t miss it.

Be sure to budget and save what you can afford to avoid having to access your savings in the case of an emergency.

9. Join a cashback platform

Cashback is simply the process of getting a percentage of your purchase given back to you. You shop through the cashback website and buy as normal.

You can earn cashback on various online and in-store purchases which can add up to a substantial amount without any extra effort. Top Cashback is a great starting point, with thousands of retailers to shop and earn rewards.

10. Be mindful of your spending

Saving starts with being mindful about what you’re spending. Creating a budget plan can help you track your income and outgoings so you know exactly what you have to spend and how much you can afford to save.

Limit your use of credit and purchases of non-essential items. Utilise discounts where possible and remind yourself of your ultimate saving goal to stay motivated.

Saving on a low income is easier said than done. These are just a few ways to guide you, but it takes discipline and consistency to see results.

Stay consistent and watch your savings grow.

T K Williams-Nelson

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