I make the minimum monthly payment to my Santander 123 Credit Card by direct debit.
Initially, the direct debit came out of my Santander 123 Current Account. Recently, I changed the direct debit so it would come out of my Halifax Reward Current Account. I changed the direct debit details when I logged into my Santander 123 Credit Card online account.
As a precaution, I made a note in my diary to check that the direct debit payment appeared in my Santander credit card account on the due date.
If you’re trading in Forex, you’re most likely doing so to make money. Yes, there are other advantages. You’ll learn about global economies, improve your status as a trader, and learn more about trading in general. But money talks, and you’re likely wondering how much you can expect to make in average monthly Forex returns.
It is vital for all new (and seasoned) traders to have a realistic idea of how much they should be making. If you set unrealistic targets, you’ll either be disappointed, or make big mistakes trying to get there and probably lose your investments.
That said, what returns are realistic to expect from Forex trading?
I paid just under £55 a night, including breakfast, for a family room at the Travelodge London Stratford for a four night stay in September 2015. If a family room is available at no extra cost, I always go for it in order to have some extra space.
Normally, it’s cheapest to book on Travelodge’s own website. But on this occasion, I found a better deal on the HotelTravel.com website, through the HotelsCombined price comparison site.
Although the price for the four night stay at the Travelodge London Stratford on HotelTravel.com was similar to that quoted on the Travelodge website, I could cancel the booking made on HotelTravel.com with no penalty up to four days before my arrival date. Whereas on the Travelodge site, it was the non-refundable Saver rate. I could also use a credit card, with no additional fees, to pay on the HotelTravel.com site, whereas Traveldoge charge a £2 fee to pay by credit card.
The hotel is located a ten minute walk from Stratford Station, which is served by the Central and Jubilee Tube lines, Overground trains and the Docklands Light Railway (DLR). It took me around 35 minutes to reach King’s Cross Station from the hotel.
I’ve been trying out the eToro social trading platform. The idea behind social trading is that you can benefit from the knowledge of other traders.
It’s relatively easy to get started on eToro. I recommend that you start off with a virtual portfolio. This gives you the opportunity to invest up to a virtual $100,000, allowing you to experiment with eToro’s features.
You can verify your eToro account either by text message or through your landline.
Before setting up a home art studio, I’d recommend that you start small and try your hand at creating art for under £10. Once you’ve decided that you wish to proceed, here are my money saving tips on setting up a home art studio.
Where Will You Work?
Ideally, a home art studio should be a single-purpose room flooded with light. But in real life, not many people will be able to achieve this.
I decided that my office/our home computer room, which is a single bedroom with one window that faces north, would need to double as a home art studio.
The room contains quite a large desk, so I reckoned that I could push the laptop into a corner next to the printer and have a reasonably sized work surface.
I had a good clearout of the large bookcase in the room to make space to store art supplies. I knew that it would be a bit of a pain having to set up and clear up after every art session.
Which Art Materials to Buy?
Paint – £6.14
I decided not to use oil paints for two reasons, the odour and that almost certainty I’d spill paint on the carpet.
A set of 14 acrylic colour tubes (12ml each) cost £2 at B&M Bargains. I find that you get more texture and brighter colours from this type of paint than from the dry block watercolours.
On my recent trip to London, the Virgin Money Lounge London Haymarket was a much appreciated bolt-hole. The comfy chairs, free hot drinks, WiFi and phone charging facilities offered some welcome respite from my packed schedule.
I planned to visit the National Gallery in Trafalgar Square. The Haymarket lounge is conveniently located a five-minute walk from the gallery. The lounge is open seven days a week, which was handy as I visited on a Sunday.
You enter the lounge on the ground floor, where’s there’s a piano, plenty of seating, a small kids’ play area and a self-service refreshments station with a coffee machine, fruit squashes, water, biscuits and fruit.
Peer-to-peer lender RateSetter have increased the welcome bonus for new customers from £25 to £50.
To qualify for this bonus, you need to deposit and lend out at least £1,000 using this link.
The £50 welcome bonus which will automatically be invested in the monthly market at the current rate.
You can read my review of RateSetter, written in May 2015. I’ve been using RateSetter since then. Today, I made a one month deposit at an interest rate of 3.1%.
Warning and Disclosure
Your capital is at risk on a peer-to-peer lending website. I will also earn a £50 credit for a referral. The welcome bonus may be withdrawn or modified at any time by Ratesetter, so please check that the promotion is running before you proceed.
Do you feel like you’re trapped in the cycle of making money, but it never seems that you have enough money to live the life that you want? How much money is enough money?
The first thing to do is to work out how much your preferred lifestyle will cost. Then work out strategies to achieve the required amount of cash.
I’ve been grappling with this issue with regard to retirement.
I estimate that for a comfortable retirement, based on today’s prices. I’ll need a gross income of £15,000 per year. That’s on the basis of being married, so having two incomes in the household, and owning a property outright, therefore having no mortgage or rent to pay.
However there are several issues, out with my control, that I have to take into account.