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The Savvy Scot

Personal finance and lifestyle blog

It’s Time to Stop Being Your Own Worst Enemy

By Pauline

It’s Time to Stop Being Your Own Worst Enemy

  The percentage of mistakes in quick decisions is no greater than in long-drawn-out vacillations, and the effect of decisiveness itself “makes things go” and creates confidence. — Anne O’Hare McCormick Indecisiveness is a paralyzing condition. This is true for governments, businesses and individuals. Do you find yourself grappling with uncertainty? Do you spend hours… Read more

Filed Under: Uncategorized Tagged With: enemy, Worst Enemy

Can You Sell You Home in 7 Days?

By Pauline

    Sometimes when you are looking to move home you will need the process to happen as quickly as possible. This could be so that you can purchase a new property, you could be looking to raise money for a new business, you could be going through divorce, facing repossession or you may want… Read more

Filed Under: Money Tagged With: cash house, debt, distressed property, foreclosure, Housing, mortgage, property, sell house fast

Receive Large Sums for Items Lying Around at Home

By Pauline

    One of the fastest and easiest ways to get some quick cash involves simply looking around your home. Most homes will contain all kinds of items which can then be taken to a pawnshop, and many of these places will pay good money for any kind of asset. This could be jewellery, a… Read more

Filed Under: Money Tagged With: debt, fast, Money, mortgage, pawn, pawn shop, pay off, quick money, sell items, sell old stuff

Demand for Housing Continues to Outstrip Supply

By Pauline

House

Prices are on the up, which shows strength, but the lack of housing supply is behind the increase. Yet again, the Royal Institution of Chartered Surveyors has revealed that all is not well with the Scottish housing market. There’s significant demand for housing but the supply of homes simply isn’t there, which is driving up… Read more

Filed Under: Money Tagged With: bank, borrow, debt, help to buy, House, Housing, lend, lender, mortgage

DIY car repairs: not as complicated as you think

By Pauline

Sure, you can change a light bulb, but if the new washing machine comes in, will you be able to plug it in or will you have to spend a fortune to have a handyman do it for you? The same goes for your car, and repair shops know it.

One thing I don’t like about the “modern world” we live in, is that while we are able to talk to someone on the other side of the planet, most of us are completely useless when it comes to perform a simple task around the house. Sure, you can change a light bulb, but if… Read more

Filed Under: Money Tagged With: buy parts online, car, car parts online, diy, maintenance, online car shop, parts, repair

Small Business Owners: Plan for Your Retirement 10 Years Ahead

By Pauline

Business, by its very nature has many ups and downs, and these are natural occurrences that any owner will expect and account for. The one crucial time you need things to be on the up however, is during the period of time in the run-up to your retirement. As you start to run out of… Read more

Filed Under: Money Tagged With: Business, invest, plan, retirement, save, small business, sme

Health and fitness in your 50s

By Pauline

Health and fitness in your 50s

Неаlth, nutrіtіоn, fіtnеss аnd ехеrсіsе аrе stаrtіng tо аdd thеmsеlvеs tо уоur lіst оf соnсеrns nоw thаt уоu’rе іn уоur 40’s аnd 50’s. Іt mау stаrt wіth а bіt оf bасk раіn whеn уоu gеt uр іn thе mоrnіng оr thе fіrst tіmе уоu fіnd уоursеlf runnіng shоrt оf brеаth аftеr сlіmbіng stаіrs. Аnd bу… Read more

Filed Under: Diet, Fitness, Food Tagged With: 50s, being healthy, Fitness, Health

5 Sensible and 5 Ridiculous Reasons to Take Out a Loan

By Pauline

Loans: Yay or Nay? What is your attitude towards taking out loans? I have quite a balanced view on borrowing money, providing it is for the right reasons. Here are 5 great and 5 not-so-great reasons for taking out a loan! Enjoy… 5 Reasons to Take Out a Loan 1. To Buy a Car –… Read more

Filed Under: Money Tagged With: loan, reason

Protecting your income and your family: The Family Insurance Tool

By Pauline

As a single person, I certainly value the fact that I only have to think about myself, and if something happens to me, no one relies on my income to survive. So I just have to make sure that I won’t be a burden for anyone if I were to get sick or permanently disabled,… Read more

Filed Under: Money Tagged With: Drewberry, family insurance, tool

Why do we value money?

By Pauline

    Do you sometimes wonder why we value a piece of paper as worth $100, 500 euros, or more? I often do as I travel to countries with double digits inflation rates, or when I see places like Zimbabwe where people deal with skyrocketing inflation, and until a few years ago, $100 trillion banknotes. When… Read more

Filed Under: Money Tagged With: currency, gold, Money, silver, standard, value

How to Start Investigating Financial Crimes

By Pauline

In recent years, the FBI has increased its focus on investigating financial crimes. These crimes, which can include insider trading, corruption and creating off-books accounting schemes, cause significant damage to individuals and to the U.S. economy as a whole. Earning a certificate that qualifies you to investigate financial crime (click here to explore programs) is… Read more

Filed Under: Money Tagged With: credit, credit card, crime, debt, financial crime, fraud, identity theft

Health and fitness in your 40s

By Pauline

Health and fitness in your 40s

Unfоrtunаtеlу fоr thоsе whо аrе wеll іntо thеіr 40’s, hаvіng а strеnuоus рhуsісаl wоrkоut іs nоt rеаllу а gооd іdеа аnуmоrе. Оnсе уоu rеасh thіs аgе, іt іs rеаllу mоrе dіffісult fоr уоu tо kеер оff thе ехсеss роunds – but wоrkіng оut іs nоt аs еаsу аs соmраrеd tо whеn уоu wеrе іn уоur… Read more

Filed Under: Diet, Fitness Tagged With: 40s, Fitness, Health, healthy being

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