Tag Archives: Finance

Top 5 savings apps for freelancers

Freelancers and digital nomads are often among the most budget-efficient people, but sometimes everyone needs a little extra help. Read on for 2019’s top 5 saving apps for workers on the move…

Even if you’re already a budgeting guru, it can’t hurt to use some apps to save some much-needed cash. As a freelancer’s work pattern is so variable, having funds on hand should you enter a dry spell is key to survival.
Continue reading

5 financial aspects of life freelancers don’t consider

Being a freelancer can mean having to give up a few perks that come with having a contracted position. And this can affect your personal finances.

There are a number of benefits to being a freelancer – from choosing when you work to not having to tackle a daily commute. But there are also a few downsides – one of which is how it affects your finances.
Continue reading

Creating your own Terms & Conditions

terms and conditions

Making sure you have legally-binding terms and conditions when signing up with a new customer or client is vital for a small business. Here are a few things to consider when creating them

Getting a client to sign on the dotted line can be a tricky business. And it might seem like the wrong time to be throwing pages of legal Terms & Conditions (T&Cs) at them.
Continue reading

SME’s ‘avoiding finance’

SMEsFinance.jpg

Nearly eight out of ten small and medium enterprises (SMEs) have avoided using finance in the last 12 months.

BDRC Continental’s findings from its latest SME Finance Monitor – which is released on a quarterly basis – raise the question of whether banks are as much to blame for the lack of lending taking place as previously thought.

The research is based on around 50,000 interviews with small business owners to provide a comprehensive picture of the challenges and attitudes within the economy.

Only 15 per cent of firms took out finance in the third quarter of 2013, which was down by 10 per cent on the peak seen back in the first quarter of 2012.

However, one reason behind the trend could be a lack of awareness in schemes designed to help companies borrow – with just a third of respondents admitting they knew about the government’s Funding for Lending initiative.

Posted by the Secret Businessman