Advertisements

How to protect your money as a high earner

*Collaborative post.

Financial security is what almost everyone strives towards.

For high earners it is of particular importance — to try to protect the money they are earning — as there is more to keep safe.

But, how exactly can we achieve this?

 

How to protect your money as a high earner picture

 

If you want to make the most of your assets, take a look at three of our top tips:

 

  1. Careful budgeting

Some high earners feel that they don’t need to budget. Frugality, after all, has long been associated with people earning a low income.

However, budgeting can benefit everyone — however much they earn. Monitor your money, and you’ll be less likely to face unexpected shortfalls in the future.

By creating a weekly or monthly cash flow on a simple spreadsheet, you can plan your outgoings and lifestyle in advance. Better still, carry your cash flow with you as an uploaded document on your phone or tablet, and you can look at it whenever you feel the urge to overspend.

You don’t just stand to protect your assets; you could become more confident in financial handling, too.

 

  1. Contingency funds

Budgeting isn’t just useful — it’s essential. If you put aside a certain amount of money each month, you can be prepared for any financial situation, including emergencies and changes of circumstance.

Though nobody wants to face a costly surprise, they can occur at any time. Building a contingency fund means you will be able to deal with it much better.

It could be particularly helpful if you need to take unpaid leave from work, for example. That way, you won’t have to worry about covering bills and maintaining your usual lifestyle during that period.

Equally, a fund may come in handy if you ever face redundancy. You’ll then have enough money to tide you over while you secure new employment.

Prepare well, and you can always remain financially secure.

 

  1. Pension plan

You’ll no doubt know the value that a pension plan can offer. As a high earner, you will have garnered a state pension through national insurance contributions as well as building a private or corporate pension along the way, too.

At state pension age (currently 65), Brits have the opportunity to either claim or defer their acquired sum. A deferred pension, for example, increases by a small amount, once its owner has retired. A private pension can be drawn earlier – usually around the age of 55.

Although you may be a long way of retirement age now, it’s useful to plan ahead and decide on the best option for you long-term. You can then start to save effectively. You could always consult a financial adviser to work out the best route for your retirement.

You work hard for your income, so it’s only right that you want to protect it. Follow the right steps, and you can secure your finances, both now and for the future.

Advertisements

How to Style Polka Dots this Spring

Polka dots are fast becoming a fashion statement. They add fun and playfulness to our outfits. As influencers and celebrities show up more in their polka dot ensembles, it’s only natural to expect more polka dot outfits this spring. So how will you style polka dots this spring?

It seems like the fashion conscious have caught a wind of how versatile polka dots outfits can be. Whether you wear them at formal occasions, to work or causal outings, polka dots have proven to be a must-have item in your wardrobe.

Polka Dots Dress Image

 

 

Since we’re anticipating more polka dots this season, here are ways to style them.

Pair polka dots with a solid coloured piece

This is an age-old unfailing rule when it comes to styling polka dot clothing items. Pair your polka dot top with solid coloured pattern-less bottoms, like a skirt or trousers and you can never go wrong.

The fashion favourite is the monochrome – black and white polka dots layered on solid black or solid white. Red polka dots are also a fashion favourite and if you stick to this rule you’ll have yourself a well-put together outfit.

 

Pair polka dots with other patterns

This may seem counter-intuitive with the first tip, but I have observed how 2018 fashion is tilting towards a bold and adventurous theme. And that includes styling with polka dots. Although it breaks the ancient rule of matching polka dots with solid colours, this combination adds a lot of creativity to your outfit.

Play around with pairing polka dots with other patterns like stripes or checks to add some adventure and edginess to your outfit.

 

Style with bright and cold colours

Polka dots do really well not only with the famous black and while. They work great with bright colours like yellow and orange which perfectly depicts the spring time.

Don’t be afraid to go bold and venture into more yellows, oranges, bright blues and pinks. Pair them with your polka dots pieces to add a lot of fun and playfulness with the bright and bold background. It works perfectly either way whether it is a bright top or bottom.

 

Embrace polka dot one-piece clothing

Spring has an easy laid back vibe which people express in their choice of clothing. A good example is easy to slip on clothing like maxi dresses and jumpsuits.

This is an ensemble not many women are comfortable pulling off because of the overwhelming number of polka dots. However, you can always break the pattern with a fashionable solid coloured hat, a pair of boots or heels, a waist belt or a clutch purse.

 

Compliment your outfit with polka dot accessories

Polka dots are not only fashionable with clothing items, they look amazing as accessories. Polka dots are always eye-catching so even a touch of polka dots can make your outfit stand out.

For low neck top, layer a polka dot scarf. If you’re wearing solid colours all through, compliment them with a polka dot handbag or clutch purse. Those are enough to inject fun into your outfits.

 

Layer over jeans

Another classic is complimenting a polka dot top with a pair of jeans. This combination never grows old. It’s relaxed and casual; just perfect for the springtime. You can also add more denim like a denim jacket over a polka dot top to nail that playful yet relaxed look.

 

How will you style polka dots this spring?

Christmas Online Games

It is beginning to look a lot like Christmas with the decorations and very chilly weather. I am seriously looking forward to Christmas. I am done with my Christmas gift shopping and I have already started wrapping them up! We have started listening to Christmas Carols, which the kids are seriously enjoying. I loved Christmas even as a child. There is just something relaxing and magical about the season. It is difficult not to like. We will be spending Christmas Day indoors with family and I have already started thinking of various activities to keep everyone engaged. If you are looking for lots of online games, slots and more? Try printable festive dice and card games, you and your family can enjoy.

 

Gift Exchange Dice Game

 

Online Christmas game image

 

 

With all the Christmas chaos going on, it is easy to forget the reason for the season, and what Christmas is really about. Family time is what Christmas is about and quality time together as a family is where the real festive fun is. I am going to remember that this year.

There are various Christmas online games available to play, with many being free and great for the whole family. I am looking forward to taking a break from work, and being gadget free this holiday, so I can soak it all in. That is what makes the season so special.

I remember being in Dubai last Christmas, and taking some days off to enjoy the sunshine and festivities. I thought my work and blog would suffer, but it didn’t. Everything was great, and I got back to busy as usual in January, and it felt good to be back after the break. I am looking forward to doing that again this year without no guilt or remorse. Work can wait! And a Digital Detox is always needed every now and again.

How will you be spending Christmas this year? Do you have any plans lined up? Do share in the comments section below.

 

*Collaborative post.

 

error: Content is protected !!