Three Budget and Savings Tips For Tough Times

During tough financial times, people learn that it’s necessary to go back to the basics. All it takes to get through times like these is common sense and a good work ethic. If you’re ready to put in the work to get to the other side of these times, here are some budget and savings tips for you and your family.

1. Agree On a Budget

This is probably the toughest step for most families, but it’s also the most important. If one partner has one budget in mind and another partner has another, you’ll only be divided and totally ineffective. The partner who is the most concerned about money or who wants to be the tightest should write a budget. The more freewheeling partner should then look it over and make a few changes. Your budget should be livable, but you should also try to live at least a little beneath your budget if possible.

2. Save for Emergencies

Many budget and savings tips leave out this important piece of the equation. You need to not only save up for purchases rather than turning to credit but also to save for emergencies. Every household should ultimately have an emergency fund of between three and six months of expenses. If you’re one of the ones lucky enough to still have a good job right now, this should be a huge priority. With the way things are today, you never know when that job is going to go away. An emergency fund can keep you from having to live on credit for a number of months while you get your job back.

3. Keep and Revise the Budget

Writing a budget is one thing, but actually using and learning from one is something altogether different. In order to make your budget really do its work, you need to be meticulously recording all your spending all the time. You can simplify things by operating mostly out of cash. Then you can just look over your bank account ledger every week and record all your debit card spending. At the end of each month, you should review your budget. See where you overspent or where there was a little money left over. This will help you balance your budget, cut the fat, and figure out where you can save even more. These budget and savings tips are absolutely basic, but they’ll get you on the right track in these tough times.

Posted in |

CV Writing Tips for Ex Military Personnel

When ex military personnel start to look for civilian work or training, the first thing that’s required is an up-to-date CV. In order to help heroes find employment, organisations need to know what each applicant’s skills are, as well as where they’re based and what their ideal role would entail.

Some employers appear unwilling or resistant to employing ex forces personnel. As wrong as this seems, sometimes the blame can rest on the prospective employee too. Stereotypes and prejudices are wrong, but it is hard to prove an employer’s beliefs wrong with a CV that lacks depth and appropriate information.

It is hard for employers to choose an employee based on a CV that is incomplete and does not show the applicant off in their best light.

A good CV is a headline. It tells prospective employers who you are, what you want, what you can do and how you can improve further. It shows them your potential and it also reveals just how much of an asset you could be to their company.

Think about your CV. What is included? It is almost certain to be lacking in some vital information regarding skills or experience that could land you with your dream civilian job.

It’s not that the skills aren’t there – often it’s just that you haven’t laid out what you can do in black and white. In CVs there is no boasting. Show yourself off. Here are five tips for army heroes to create the perfect ex military CV.

1. Fill in all the correct contact information so employers can get in touch.
Add in your email address (if you have more than one, use both), home and mobile phone numbers, address and if you have one, put in the address for your personal website or blog. Double check all this information to ensure it is correct.

2. Include a full career history.
If your career has been within the military for the most part, look at your roles from a civilian point of view. Write in the dates you changed within a certain regiment or service and tour dates. Also include a concise paragraph for each change of role detailing what the new position entailed.

3. Include skills you learned.
It may not seem instantly obvious, but skills learned in the military – for example team work, engineering, first aid, weapon safety and maintenance training, organisation and drill – all count as excellent transferable skills. Weapons training may not be inherently useful in a security or administration role, however the discipline learned in order to safely use and maintain such a weapon responsibly is. Similarly, drill might not be a key requirement of civilian employment, but team work, punctuality, organisation, self-confidence, the ability to follow orders and presentability are all skills every employer looks for in new team members.

4. Talk about your goals.
If civilian experience is a bit thin on the ground in your CV, explain your goals and hopes for the future. If you want a full-time role with the security that brings, talk about your dedication and hard-work ethics. If you are looking for a position that offers training, expand on your willingness to adapt and grow as a team member; put yourself forward as a candidate who is not afraid to work hard to achieve his/her goals, is eager to learn and can pick up new skills quickly.

5. Who are you?
One section of CVs that is invariably done badly is the self-statement. There should always be a part of your CV dedicated to you and what your ‘extra-curricular’ activities are. Remember, employers are looking for a candidate who fits the correct skill sets, but they are also looking for a colleague. Don’t go overboard – a couple of sentences should suffice – but try to tie in your hobbies and passions with your employability and skills. For instance, if you love hiking and climbing, this shows you are an active and adventurous person; reading and photography show adaptability and an interest in learning and discovering new things. If you don’t have many interests outside of work, you could cite spending time in the garden or with family as your main loves in life which will show dedication and placidity.

All of these tips have been designed by professionals to help soldiers make the most of the skills they already have to make them work for them in the civilian world.

Posted in |

Overcome Dating Jitters by Using Dating Tips For Men Wisely

Men and women are made to love each other. It is ethical to choose the best person who can share the rest of our lives. In order to make sure you find the right person, you can choose the process of dating. Dating is to spend some time together exchanging pleasantries and trying to know more about each other. You can use the dating tips available for men to enhance your dating experience by increasing the comfort level of your lady of interest. Read more to learn more tips for dating.

  • Some sense and sensibility to the emotions of the woman you are going to date is very essential. Make sure she feels comfortable with you. To ensure this, propose to meet at a common place where there are people moving around without hindrance, such as coffee shop or a park. Respect their dignity and feelings.
  • Know the interests of the lady and offer to accompany her in the activities. This could be a game of lawn or table tennis, horse riding, etc. However, the pothole to avoid is to resist yourself from high-adrenaline action such as bungee jumping or skydiving for the few dates before getting intimate.
  • Women like to be pampered and do it by staying within your limits. You have to show that you really care for her and put her before yourself. Though expressing this in words are effective, subtle actions also spread the news.
  • Gifts go well during the meetings. However, avoid any expensive gifts or intimate gifts such as dresses during the first few meetings. The expensive gifts may show you as a spendthrift and intimate gifts are not welcome until you gain a place in their heart.

Posted in |