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5 Ways You Can Start Reducing Money Stress Now

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Start Reducing Money Stress

If you’re worried about your cash flow, you’re not the only one: An APA study found that 72 percent of U.S. adults self-reported feeling stressed about money. The good news is, there are steps you can take to decrease your worries and gain control over your finances. Try these 5 ways to reduce money stress now.

1. Put Bills on Auto-Pay

Do you ever wind up paying bills late because you forget? If so, you know that late fees cost you. Put bills on auto-pay, so you won’t be penalized for forgetting.

2. Pay Yourself First

If you have an emergency cash fund you’ll be less stressed when an unanticipated expense arises. The day you get your paycheck, transfer some into an emergency savings (aka, pay yourself first). This can help you pay for a difficult situation without credit cards or emergency cash loans.

emergency cash loans

3. Confront Your Spending Habits

The fear of confronting bad money habits keeps many people from getting proactive about their finances. But you’ll keep making the same mistakes if you don’t try to do better. Confront where and how you spend money, then find ways budget to reduce your expenses. For example, purchased fitness equipment and cancel your gym membership, or eat pantry items and stop getting food delivered.

4. Reward Yourself for Doing Well

As you change your financial habits, reward yourself to boost morale. Rather than splurge, take out museum passes or rent movies from your library, find free events in your town, or trade mani/pedis or massages with a friend. You don’t need to spend money to have fun.

5. Ask For Lower Interest Rates

Many lenders are willing to reduce monthly payments or interest amounts if you call them, so give it a try! There’s nothing to lose.

Is A Personal Loan Online A Bad Idea?

In a situation where money is stressing you out to the point of no return, cash loans online may provide some relief. We advise that you find a credible lender who may offer online loans. Make sure you understand your goals such as consolidating higher interest loans. When you get a personal loan online make sure to ask the common questions any borrow should ask such as the following:

  • Will borrowing money help me achieve my goals?
  • How much do I need to borrow?
  • What will my monthly payment be, and can I afford them?
  • How long will I be paying this loan off?

Personal Loan Online and cash loans online

Ideally, you will not need to take out a loan to reduce money stress, but sometimes we realize this is the only options. Make sure to manage your credit score and utilize some of the great resources available. Here are the top 10 personal finance apps for you to use right now from your smartphone. We are confident if you follow these money tips you will reduce your stress quicker than you imagined.

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Finance

5 most underrated cryptocurrencies

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Cryptocurrency and crypto tools like a wallet, crypto tracker are becoming increasingly popular. Yet, there are still highly underrated coins.

Let’s discuss 5 of them!

1.  Nano (NANO)

Nano is a project launched in 2015 which operated by the block-lattice technology. This architecture is unique to Nano and is an acrylic graph. The block-lattice consists of individual chains, account chains, that can be accessed and modified only by the owner.

Nano has been a highly successful project and its crypto coin NANO ranks #58 on CoinMarketCap.com with a market cap of $134 million. The current value of NANO is $1.01, however, it reached its all-time high of $37.62 in January last year.

The project has many advantageous qualities. The  transactions on the network are instantaneous and free. Because of its unique architecture, the coin is scalable and also consumes much less energy than Bitcoin or any other crypto coin operating on the blockchain.

2.  Zcash

Zcash was founded in October 2016 with a mission to make cryptocurrency more private for users. After its launch, the ZEC cryptocurrency gained immense popularity and reached almost $6000.

Zcash is among the most secure crypto coins on the market. It provides users the opportunity to prove transactions for inspection purposes. It is the user’s choice to disclose the transactions.

Another good thing about the currency is its supply. With a total supply of nearly 7 million, the price of Zcash rises quickly and is a great potential investment. The ZEC coin has a market cap of almost $555 million ranking 24th. Its current price is $79.41.

3.  Stellar Lumens

Stellar is a decentralized ledger for financial transactions. It was established in 2014 by the co-founder of Ripple and MtGox, Jed McCaleb. The network is also a smart contracts platform and its primary use is international transactions.

Stellar Lumens (XLM) is the native crypto coin of the Stellar network and is currently among the TOP 10 crypto coins. XLM hit its all-time high of $0.938 in January 2018. The crypto coin is now traded at $0.085 and has a market cap of $1.67 billion.

The Stellar network is backed by many established corporations around the world. It is also, in contrast to Ripple, highly decentralized. Compared to Bitcoin or Ether the transactions are also fast and cheap.

4.  Neo

NEO was developed in 2014 to establish a smart economy, which integrates crypto coins and smart contracts. The ecosystem can be employed to create both decentralized applications and ICOs.

The NEO network applies the blockchain technology and digital identity as a way to digitize assets. The platform has numerous great projects and partnerships.

The NEO cryptocurrency has a market cap of $846.5 million ranking #17. The coin is trading at $12 and has a volume of $404 million. The all-time high for NEO was $196.85 reached after the Bitcoin bull run in late 2017.

5.  ICON

ICON is a blockchain-based network that enables separate blockchains to cooperate. The ICON project is looking to reevaluate the definition of communities and establish an era of decentralization.

ICON has partnered with both corporations and the South Korean government. It is a blockchain-as-a-service platform which means that it makes easier for different establishments to make their blockchain without any hassles.

ICX, the project’s native token, ranks #40 with a market cap of $193 million. Its current price is $0.394 and, at its pinnacle, it was $12.64.

Even though these coins don’t get the attention that they deserve, the crypto market is still growing in popularity. If you want to join this market and become a successful investor, take a look at this cryptocurrency tracker guide.

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Finance

Why use an Online Accounting Software

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When it comes to running a business in 2019, one of the biggest problems you can have is dealing with your books. Accountancy is not something that many of us enjoy, but it’s something that has to be done. If you are like many other business owners and want to make your life a bit easier, then you should absolutely invest in some online accounting software. How, though, do you go about making use of an online accounting software package that suits your needs?

Online accounting makes it easier to avoid mistakes

The first reason why this is an investment you should make is that you can spend more time doing what you want to do. Why? Because online accounting software more or less removes the chance of mistakes being made. That can lead to you having more time to do what you want to do, instead of spending so much time doing what you don’t want.

If you are serious about making your life a bit easier when running a business, online accounting software makes that possible.

You can get better value for money

The other bonus is that running your accounts through an online software platform will allow you to get some fast answers on what kind of deductions you should be making. With everything stored online, it’s much easier to get advice and to make sure that you can easily access all of your content. This leads to faster solutions, making sure that you can make the most of your money.

Get access whenever you need it

Part of the bonus of using a software package like this, though, is that you can spend more time getting the access that you need, when you need it. This helps to save you valuable time and money trying to get the access that you need to your accounting documents.

Now, trips to your accountant or business assistant will be much easier, as you can easily access all of these vital details.

Remove the stress of filing

Another bonus of using online accountancy tools is that you can make the normal arduous process of filing a bit easier to work through. Now, you will be able to easily upload all of the needed documentation to HMRC when the time comes, saving you valuable time and money. Instead of struggling to upload documents, this takes out much of the work involved in getting it all online in the first place.

Get the help that you need it

Trying to file your books at home means that you are often reliant on your own knowledge of the tax process: that might be more of a risk than it is really worth taking on. If you want to avoid such an issue, then we recommend that you look to get the help that you need as soon as is possible with the help of our online software, complete with a support platform that can give you help with anything you are not sure about.

Can you see why this makes the normally arduous tax filing process a bit easier?

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