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Blueboy's Articles in Personal Finance - TheArticleInsiders.com Free Article Content for Ezines, Blogs, Newsletters and Websites
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Blueboy's Articles in Personal Finance

  • Learning The Value Of Money
    This article describes how my father taught me the value of money and at the same time also showed me how to reach and attain the goals I had in my life.

    I have a friend called Peter and for his seventeenth birthday his parents bought him a very impressive car which would have cost them around £2000. He was very happy and showed off this car to all of his friends including myself. At this stage he was unable to even drive, however it was still a great present to receive.
  • The Importance Of Saving Money For The Future
    Money in my opinion is not the most important thing in life, but it is nice to know that you have a certain amount of money, saved or invested, which you can use if needed. I actually think that health and happiness are the two most important things in life. Having this pool of money helps to keep me healthy and happy, as it means that I do not have to stress as much about the future.

    I only really realised the importance of investing and saving money, when I was twenty-three years of age. Up until this age, I would always spend all of my wages and did not care if I was overdrawn in the bank. I used to think that I could die tomorrow, so why bother about saving money which I might not ever use. This is a bit stupid, I know.
  • The Cost Of Talking
    With so many companies offering “the lowest call rates, and the best service" who do you believe and are there any additional costs hidden in the small print? Do they all give per second billing by email, full cost analysis, discounted BT line rental and personal account managers? On mobiles do they offer free connection, and line rentals from £4?

    There has never been a better time to review the cost of your telephone charges and the service you are getting. Does it really match your company’s needs? The telephone has been with us for so long we just take it for granted, along with all the services available. Mobile phones too are an essential tool in our need to communicate.
  • Reducing Your Telephone Costs
    Know what costs to reduce –Reducing costs is sometimes just a percentage game with a focus on the areas of main expenditure. A 25% saving on an £60,000 telecoms bill is more important than working towards a 50% reduction on a £4,500 spend on vending machines.

    Length of Contracts – Signing a contract for 1-3 years is good for the telecoms company as reductions don’t have to be passed on and customers cannot benefit from moving to a lower cost provider. Also, if there is a 3-month notice period, who at your organisation will send out the letter to the telecoms company?
  • The Benefits Of Saving Money On A Regular Basis
    Over the past few years, I have been saving money each month, not for any particular reason like for example to buy a house, but just in case something big went wrong. It is in a way a form of self-insurance. In this article I write about the benefits of doing this and about my own personal experiences, i.e how hard or easy it has been saving in this way.

    Maybe I am being paranoid but I always seemed to have far less money than what my friends had. Four years ago a group of us went to Spain for a two-week holiday. I will never forget the moment when one of my friends asked how much money each of us were taking on the holiday. We all answered one by one and to my horror not only did I have the least amount but I had around two hundred pounds less than the next lowest person. It was not because I was being tight, it was because I did not have anymore. It had actually been a real struggle to save up this much.
  • Talk For Less
    Are you annoyed at how large your monthly mobile phone bills are? Are you looking into ways in which you can lower your quarterly landline telephone charges? Is the amount you are paying for your gas and electricity increasing to an unaffordable level? In this article I describe about the ways in which you can go about lowering these charges. I hope you find this article interesting and of benefit to you.

    I am sure that many of you have been stopped in the street before by one of the large band of people who ask if we would like to switch service providers for our telephone, electricity or gas. You may have had people knocking at your door or even making a cold call via the phone, asking you a similar question. These people are often seen as a hinderence and a bit in your face. I must admit I see them in this light as well.
  • Spreading Your Investment And Savings Risks
    The world stock markets are going through quite a turbulent period at present and on average around ten percent has been wiped off some of the leading markets over the last month. In this article I write about how on a personal note I try to save in a series of different financial products which helps me to spread the risk, including when we have these stock market falls.

    I started saving money on a regular basis about five years ago. At this stage the stock market in the UK had just had some dramatic falls after the terrorist attacks in New York. I wanted to build up a kind of rainy day fund and decided to invest monthly premiums into a unit trust. I started saving £50 a month and over time I increased this figure.
  • Earn Extra Cash By Taking Part In Surveys
    I have just heard about another way of making a little bit of extra money. This is by taking part in different surveys for a range of companies who are looking to find out more about their customers or potential customers. You may think just like I did that this would hardly be worth your time or effort, however you may be surprised when you realise you much these companies are willing to pay.

    A few days ago a friend of my step-daughters came round to our house to play. They are both twelve years of age and have known each other since primary school. This friend also stopped at our house for her evening meal and while at the dining table, eating her food, she started up quite an interesting conversation. She asked my step-daughter if she would be interested in joining her to take part in a survey which would be about the subject of childrens banking.
  • The Reason To Start Planning For Your Retirement Today
    Have you started to save into any form of pension plan? Are you saving enough into your current pension plan? Has your employer a company pension scheme that you are eligible to join? These are important questions for people to consider, you do not want to delay saving for your retirement as the consequences could be horrendous.

    There has been a lot of very bad press during the last few years regarding pension schemes. The stock market crash after the terrorist attrocity in New York put a huge dent in many people's pension funds. There is no doubt that this has put off a great number of people into saving into such pension schemes in the future.
  • Information Explaining The Different Types Of Mortgage
    In this article, I will be explaining the different types of mortgage products that are available in the mortgage market, hopefully after reading this article you will have a better understanding of mortgages, and the products available, and therefore be able to choose which is the most suitable for your circumstances.

    Firstly, I am going to talk about variable rate mortgages. There are four different types of variable rate mortgages, they are; standard variable rate, discounted, cashback and trackers. Although all of these products are slightly different they are all variable, which means they can go up or down.

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