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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.

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Cleaning Our Home With Beldray

*PR samples.

The spring and summer months make me want to deep clean our home. Which is why I was so happy to work with Beldray on a blog collaboration. I had the lovely opportunity to try out Beldray Quick Vac Lite 2 in 1 Vacuum Cleaner and Beldray 10 in 1 Handheld Steam Cleaner. I have used the cleaning gadgets a few times already and I really like them. They are both very handy to have at home, especially now that the sunshine is here and has put me in the spring cleaning mood.

Here are my thoughts on these cleaning gadgets.

 

Beldray Quick Vac Lite 2 in 1 Vacuum Cleaner

Spring cleaning image

 

This Beldray Quick Vac Lite is great for floor to ceiling cleaning. I have used this gadget many times in our home now and I really like it. It is a lighter alternative to vacuuming as it is very lightweight which makes it easier to manoeuvre. I like how easy it is to carry around the house. I usually struggle with our good old vacuum as we live in a town house, so lots of stairs  This Quick Vac Lite by Beldray is great for houses like ours as the lightweight allows you vacuum the house form top to bottom. The 5 metre cord also allows you take it from room to room a lot easier.

It is suitable for both hard floors and carpets, and the vacuum also has a washable filter and cyclonic technology which provides a smoother and faster cleaning experience. I love it and I can see myself using it a lot thanks to the ease of using it and the great suction power.

 

Beldray Vac Picture Beldray Quick Vac Review ImageBeldray Vac Lite Image

 

 

Beldray 10 in 1 Handheld Steam Cleaner

The Beldray 10-in-1 handheld steam cleaner has changed the way I clean. I use this amazing gadget all over the house, especially in the kitchen and bathrooms.  It comes with 1000W steaming power and a tank capacity of 250ml, which gives you about 10 minutes of continuous steaming from one fill.  This Steam Cleaner is comes with attachments to clean taps, tiles, ovens, barbeques, upholstery, grout, toilet and bathroom suites, cars, and windows. I use the steam cleaner all over the house and I find it very effective. It has made my cleaning a lot easier and faster!

 

Beldray Steam Cleaner Review ImageCleaning gadget imageLifestyle Blogger UK ImageBeldray Wilko Review Image

 

You can shop for both gadgets exclusively at Wilko Stores – Beldray 10 in 1 Handheld Steam Cleaner and Quick Vac Lite 2 in 1 Vacuum Cleaner. I love these gadgets so much that I vlogged about them. Check out the video below –

 

YouTube Channel

 

What do you think of these Beldray Cleaning Gadgets? Have you tried them before?

 

Fighting Hay Fever With A Dehumidifier

*Affiliate link.

I have had Hay Fever every summer for the last 3 years. If you have been reading Fashion and Style Policer for some years, you would know all about my summer health issues. I am still not completely sure what triggers my allergy but I have prescribed medicine I now take for it, which has been helpful. The over the counter hay fever medicines do nothing for me. My Hay Fever can get really intense, so I had to get more effective medication for it.

I start to take my medication just before summer so it works better. I did that this year and the first few weeks were blissful. But these past few days have been very hard. My Hay Fever is really messing with my sinuses and has left me feeling very poorly.

 

Dimplex Dehumidifiers image

 

 

I have had many articles and tried many different ways to relieve these symptoms but not really had much luck. It has been so bad that it has started to affect my sleep which sucks. I am proper grumpy when I don’t get enough sleep, so these past few days, I have had the zombie feeling. Which is why I ordered a Dehumidifier. I read somewhere that Dehumidifiers can relieve Hay Fever symptoms. So I quickly placed an order for the DIMPLEX Forte Dehumidifier. I have used it for some days now and I can say it has relieved my Hay Fever. I sleep a lot better with this Dehumidifier on. It is really getting rid of unwanted moisture in my home, and I am thankful a product like this exist. It is great to be able to keep my home at a comfortable humidity level.

 

 

Dehumidifier ImageFighting Hay Fever with a Dehumidifier picture

DIMPLEX Forte Dehumidifier

This Dehumidifier reduces moisture content in the air. It is movable with wheels and light enough to carry or wheel from room to room. I have had it in various rooms in our house already, and it is really working hard to get rid of unwanted moisture in our home. It is great for anyone that suffers from airborne allergies such as asthma and hay fever. Also, minimising the moisture content in the house prevents excessive humidity in the air which can prevent damp forming.

 

 

YouTube Video

I love this DIMPLEX Forte Dehumidifier so much that I blogged about it. You can watch the new video on our YouTube Channel below.

 

 

Do you suffer from Hay Fever? How are you coping this season?

 

 

 

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