Getting Help with Your Finances

Most of us are in debt. We’ve got credit cards, loans, overdrafts, store cards, and car financing plans. Some of us even owe money to our utility providers and landlords. Even those of us that aren’t are cutting it fine. We want to save, we even open savings accounts, but find ourselves struggling to put any money in them. Many of us want to set up businesses and build home offices, but our financial situations won’t allow it.

But, just as many of us are doing nothing about it. We’re getting by paying the minimums back on our debts.We’re letting any savings that we do have just sit there, instead of finding ways to make them grow. We’re living paycheck to paycheck without taking the time to improve things.

This is often because we’re embarrassed. We don’t want to admit that we need help or that we’re in debt. We don’t want to ask for advice on how to save or make our money grow because we are ashamed to admit that we don’t know already or that we’ve been wasting our money up until this point. We are afraid of speaking to an accountant only to find that we’ve been recording our profits incorrectly and our small business accounts are in a mess. We bury our heads in the sand because we are embarrassed and afraid. But,there’s really no need to be. There’s plenty of help out there, and plenty of people that need it. You just have to make that first move. Here’s a look at some of your options.

Visit a Financial Advisor

If you’ve got debts, you might find that their repayments are crippling. That you’ve got very little disposable income each month because paying off your debts is eating it all up. It doesn’t need to be like this, but it’s so hard to see a way out when it’s your money.

A financial advisor can take a look at your situation and help you to find ways to improve it. They’ll look at your income and expenses and recommend consolidation loans or other options that could help. They can even help you to create a budget to manage your money.

Most banks offer a free financial advisor service. But, remember your bank is only likely to recommend their own products. You may have to pay to see an independent advisor, but you could be offered a wider range of options.

Get Help with Investments

Investing your money is a fantastic way to watch it grow. But, it’s complicated and confusing. If you’ve never invested,you might worry that you can’t because you don’t know enough. The good news is,you don’t even need to meet an advisor in person, read another option that’s great for beginners and novice traders.

Hire an Accountant

If you run your own business or work as a freelancer, you might try to manage your own finances to save money. But, it can be all too easy to make costly mistakes. Hiring an accountant can actually save you money. They’ll ensure you are claiming any tax deductibles that you are able, and they’ll make sure you don’t face a hefty fine because you’ve either missed your tax return deadlines or made a mistake in your working out.Read more about deducatbles at

Are You Schooled Sufficiently in Your Career of Choice?

Does it feel sometimes like your career is at a dead end?


If so, you may feel like you should do something to help ensure your future, but you may not know exactly what you can do.

Signs that a Change is Needed

Some signs that your career is at a dead-end include being passed over for promotion on a regular basis, losing out on jobs because you don’t have enough qualifications, or not being eligible for jobs due to a lack of credentials.

According to a recent study by the Institute of Education Statistics, more than 57 percent of continuing education students are post high school grads who are taking further education classes to advance in their careers.

Are you schooled sufficiently in your career of choice?

If you aren’t getting promoted the way you think you deserve to be, it’s possible that your educational credentials could be to blame.

Here is a list of careers where continuing education could equal promotion and higher pay:


Contractors can learn a great deal about new methods and technologies to advance in their careers, even if they don’t have a direct boss to report to.

In the contracting business, there are always new governmental regulations to adhere to, new employee policies to comply with, and updated building codes to adhere to.

As the following article looks at, Contractors school can make it easy to keep up with all of it.


The accountancy industry is constantly being bombarded with new tax laws and guidelines that have to be managed.

Not only do principal accountants have to be aware of these new regulations, but staff has to be aware of them as well, so they don’t inadvertently commit an infraction against tax code.

Getting Help for Continuing Education

If you are interested in continuing education in your career of choice but can’t afford it, it’s possible that your employer may be willing to subsidize all or part of your education.

Don’t assume they will say no. Subsidizing employee education is a big benefit for employers.

For one thing, they can take the expense as a tax write-off.

Secondly, they get the added benefit of having a highly educated employee on their staff once you complete your coursework. That’s a huge benefit to them, and they will likely increase your pay substantially as a result.

If you’re looking for a way to advance in your career but you don’t want to change jobs, enrolling in continuing education courses in your field might be the way to go. You’ll be able to prove existing knowledge in your industry as well as get updated on new advancements in your field of study.

The combined benefits of learning and pay are something that shouldn’t be ignored.

About the Author: Kate Supino writes extensive about best business practices.