Why You Should Invest In Real Estate This Year


Real estate investment can be an incredibly good business decision and a lucrative way to invest in your future life. Property is a commodity that will always be needed and as the world’s population grows it is only needed more and more.

Today we are going to talk about why you should take action today and change the way you make money. Investing in property and renting it out can be a wonderful method of income and we are here to convince you to give it a shot. 

  1. Passive Income 

One of the main reasons you should invest in property this year is the ability for you to make some passive income alongside your job. Getting started in property investment is a challenge and you may need help from a service like Visio Lending, but as soon as you do you will be able to reap the rewards and make income without having to actively do anything. As soon as a tenant moves into the property you will have a consistent source of income. 

  1. Diversify 

If you already invest in other commodities or things such as currency and stocks, it is always good to

Diversify your portfolio and spread your eggs between multiple baskets. When it comes to investment it is important for you to spread your money between multiple things because this gives you a sense of stability and safety. Doing this will make all the difference to you and your ability to make money and keep it. 

  1. Use Market Cycles 

The beauty of the housing market is that it is always changing. As an investor you can make a huge profit on property if you time your investment and sale correctly and this is a great way to earn some capital very quickly. Use your knowledge and trust your instinct to utilize these market cycles and understand when to buy and sell. This can be a great activity for you and it will allow you to really learn what impacts the price of housing. 

  1. Up Your DIY Skills 

One of the fun parts of real estate investment is getting hands on with your property and renovating it ready to be rented out to your tenant. This is a great chance for you to brush up on your DIY skills and begin to understand how you can save money on a renovation. This is not only a good way to learn more skills but it is also an amazing way for you to gain skills to bring with you when you get home. 

  1. Tax Advantages

One of the good things you might manage to see when you invest in real estate is tax advantages. You could gain tax reductions and even breaks by working in this way. 

  1. Cash Flow

Of course, the most obvious benefit of investing in property is the money you will make right away and the cash flow you’ll be able to bring home with you every month. You’ll be able to build a more stable life for yourself and what can be better than that? 

What’s Stopping You From Starting Your Own Business?


Most of us would love to own a business and become our own boss. Unfortunately, too many of us hold ourselves back by making excuses. Here are just a few common excuses that people use, and why you shouldn’t listen to any of them.

I have too many commitments

Just because you’ve got a family and another job doesn’t mean you can’t also start a business. When starting a business you set the rules as to when you work – this makes it quite possible to run a business flexibly around other commitments whether it’s raising kids or even studying a degree. A business doesn’t have to be a full-time venture and could simply be a side hustle. You can also grow it at your pace or scale back whenever you want – the same can’t be said when working for someone else.

I can’t afford startup costs

For a lot of people, the upfront costs prevent them from following through. However, you don’t have to pay for a business out of your own pocket. Many people take out a business loan to pay for initial costs, whilst others seek backing from investors. It’s also possible to save costs by scaling back you start point – rather than aiming to open a independent clothing store with lots of staff, why not start off running a market stall or an online business and then build your way up to owning a physical store?

I don’t know anything about running a business

Many people are scared by the admin side of owning a business – this includes tasks such as accounting, ordering stock, managing employees, getting licenses and marketing. If you really want to develop a thorough understanding of business, you can always take a course in business administration. It’s possible to take an accredited online MBA that you can work around other commitments. Alternatively, you can learn the ropes by reading books, taking day workshops and hiring advisers. It’s important to realize that few business owners understand all the elements of business. In fact, many outsource other companies to handle roles such as accounting and marketing. You can even search for a business partner to take care of all the admin side, whilst you focus on the core part of the job whether that’s selling cars or running your own beauty salon or baking cakes.

It’s too risky

The main excuse that many people tell themselves is that owning a business is too risky. When you work for an employer, you have a guaranteed wage and a guaranteed workload. When running a business, this is not the case – if you can’t attract any customers, you won’t make any money. However, just as your business may fail, it could also be extremely successful. As a result, you could make more money than you’d ever be able to working for an employer. Rather than viewing starting a business as a gamble, you should see it as the opportunity to have full control over your income – if things don’t work out, you can always make changes.  


Give yourself “financial peace of mind”


Black Friday Sale

Its the holiday season. We are all tempted by amazing deals and the enormous savings that companies and brands are flashing in our faces. It’s hard not to want to jump on every great deal. I know I have a difficult time passing up on tremendous savings. Unfortunately I have to keep a realistic mind.

Many years ago we found ourselves in dire straights. We were greatly in debt and didn’t have two dimes to rub together. It was a really rough time in our lives. Thankfully we were able to dig ourselves out of the “black hole” of debt. We have stayed out of debit for about 10+ years. We do have some debit (mortgage, one car payment, medical bills) but they are manageable.

We were foolish years ago. We didn’t create a reasonable and responsible budget. We spent money frivolously. We didn’t take to heart the consequences of spend-thrift spending.

Not all of our spending was foolish. There were times were we genuinely needed to spend the money, such as replacing the fridge when ours broke down (the cost of repair was a lot – it was cheaper to get a new fridge), or unexpected car repairs.

That whole experience taught us a VERY valuable lesson – you must have a reasonable budget and stick to it. At the same time you need to allow yourself a little flexibility so that you are able to enjoy yourself too.

The first thing we did was take a look at all our monthly expenses (electric, phone service, satellite dish, insurance…). Once we had a list of what our expenses were we tried to come up with the average monthly cost each expense cost us. Once we had some idea where our money was going we took each bill one by one and looked at ways to cut the expense down – even a little. For example, did we REALLY need all the channels with the satellite dish? If we cut down the gigs on our phone’s data plan, could we save money? What is we called the electric company and asked about savings plans.

It took a bit of work, and a lot of phone calls, but we were able to cut down our monthly expenses.

The next thing we did was look at other areas where we were spending money (trips to the coffee shop, ordering pizza, getting our haircut at salons…). After looking them over we were able to come up with a budget for all of these miscellaneous things.

We finally came up with a budget – one that was reasonable but also a bit flexible since there are times when “life happens” and you find yourself with an added expense.


We’ve adopted the motto “If we don’t have the money we don’t buy it”, meaning if we don’t truly have the miscellaneous cash for something we don’t buy it until we do – even if that means giving up a great sale.

If we HAVE to buy something on credit (for example, a new dishwasher to replace the one that died) we make it a point to pay it off in full the following month (if possible) or within a few months. We never “only” pay the minimum. We pay as much off as we possibly can.

As I mentioned earlier, it’s easy to be swayed by awesome holiday deals, but don’t lose sight of your finances or financial goals.

Don’t forget to give yourself a gift – a gift of financial peace of mind. Capital One 360 is decking the halls with deals you can bank on, including new account bonuses, referral bonuses and closing cost credits.

Did you know that Capital One 360 products are designed to save consumers time and money. They also have a our mobile app. Capital One 360 is with customers 24 hours a day, 7 days a week.

With Capital One 360 you can make deposits with the Capital One 360 CheckMate too. You can also take advantage of their Automatic Savings Plan option. Both Capital One 360 Checking and Savings are without fees and earn interest too!

Once you have finished gobbling up your Thanksgiving leftovers and make plans for shopping the Black Friday sales this weekend you should also check out the Capital One 360’s Black Friday Sale. That’s right – Capital One is having a Black Friday Sale too.

Visit the Capital One 360’s Black Friday Sale. Its a great way to give yourself financial peace of mind this holiday season and beyond.

Check out some of the deals you’ll find.


I like the you can refer family and friends to the Capital One 360’s Black Friday Sale and if they sign up you could get a $40 referral bonus.

When shopping this holiday season please be responsible and don’t go overboard. Sticking to a budget, and taking advantage of Capital One 360’s Black Friday Sale you can set yourself up for financial success in 2015.

For more information about Capital One 360 visit their official website. You can also check them out on Facebook and Twitter. You can also check out the hashtag  #FinancialPeace to see what others are saying.

Do you have a budget? How do you stick to it? Are you interested in Capital One 360’s Black Friday Sale? Feel free to share your thoughts. I always love to hear from readers.

Capital One 360


I was selected for this opportunity as a member of Clever Girls and the content and opinions expressed here are all my own.

5 Tips for Budgeting Your Finances

Budgeting Your Finances

Let’s face it the economy has been slow to improve no matter what the media says.  The cost of goods is continuing to rise while wages stay the same. I don’t know about you but we’ve been struggling to get back on our feet since 2008 when my husband was laid off from his job. While things have improved, we are constantly looking for ways to save money and increase our income.

That’s why I wanted to share five tips for budgeting your finances….because if you are like us and living paycheck to pay check budgeting your money may need to be re-evaluated.

Use cash. In the age of credit cards, this one can be tough. We are not against using credit cards, but are working on using cash more. Using cash keeps you within your budget and out of credit card trouble.

Pay off your credit cards every month.  If you are living within your means, then paying off your credit cards every month won’t be difficult. If you are over charging then make it a point to start paying off the smallest balance. Once it’s paid off move on to the next and so on.


Do not spend more than you earn. This one is tough if you aren’t making enough money to make ends meet and are depending on credit cards to get you through your shortfall.  Get rid of unnecessary subscriptions to save money (Netflix, Hulu, cable and even your cell phone, if you don’t have a contract and move to a pay as you go). However, temporarily taking on a second part-time job (think paper route, think freelance work or even pizza delivery) will help and hopefully help stop the overcharging.

Limit going out to eat. Eating out frequently can add up. The best thing to do is to forgo eating out while you get your finances in order. Eating homemade meals is better for you anyways. And consider stopping your daily visit to the local coffee shop for your favorite latte. $5 x 7= $35 per week, which amounts to $1820 per year that could be in your pocket or paying down your credit card debt.

Don’t buy what you don’t need. Only buy what you need. Don’t buy a new outfit if you have 20 perfectly wearable ones in your closet. You don’t need the newest, most recent thing on the market. That’s a want, not a need. Suspend all spending for a period of time only buying necessities. This will free up cash or give you time to pay down credit cards.

I guess this last time is a hard one for me to adjust to because I really want to buy a  Single serve espresso machine because I am addicted to espresso (some days I can’t seem to function without it). 🙂

These five tips for budgeting your finances will not only lower your stress levels, but also make you feel good about yourself and your spending.

What is your biggest struggle in budgeting your finances?

Theresa has been married for nearly 19 years and is a homeschooling mom  to 8 beautiful children. She is also a WAHM (Work-At-Home Mom). In addition to  blogging, she is a Virtual Assistant with her own  company as well as a subcontractor to a couple other VA firms. Her interests  include: reading, writing, traveling, education, being an entrepreneur, being  self sufficient by growing her own food through farming and gardening. You may  read more about her and her family at Faith  and Family Reviews.


KAIKU Visa Prepaid Debit Card


Shopping for the holidays can be a crazy time. It’s hard when you come across a great gift idea, but it’s not within your budget. Sadly many people rather put charges on high interest rate credit cards rather then pass up a good deal.

Credit cards are the devil in disguise! As someone who has been burned by them in the past, I avoid them at all costs.

To give you a little background, we were struggling to get by. We ended up having to do grocery shopping on the credit card just to put food on the table and for diapers for our infant and toddler. I was in charge of paying the bills because my husband stressed out about it too much. Eventually it got to be too much and without saying anything to my husband (HUGE mistake!) I applied for another credit card. When that card got maxed out I applied for another. Soon it snowballed out of control. I eventually started to take out cash advances from one credit card to pay another. When all the cards were maxed out I knew we were in big trouble. I had to come clean to my husband (that was the hardest thing I ever had to do!). The only way to get out of the debt was to refinance our mortgage. Because of that refinancing if/when we sell our condo we’ll only profit a couple of thousand dollars – if we’re lucky. If we didn’t refinance we could sell this place and walk away with $75,000 AT LEAST in profit. Sigh…

From that day forward we gave up all credit cards. We had a gasoline credit card for a while, plus one for Sears and Macy’s. But we eventually got rid of those too. We’ve been without a credit card for close to 10 years now. And for the record, NOT having a credit card DOES NOT destroy your credit rating. My husband’s credit rating is PERFECT. I don’t know about mine however, and I rather not know.


Our logic is if we don’t have the $$$ we don’t buy it. Plain and simple. If a 90″ HDTV was on sale for $300 (Ha! Like that would ever happen) and it was a one day only sale – if we don’t have the $$$ in checking we can’t buy it. As much as it would kill us to pass up on a great offer, we will not get ourselves into debt. We do owe $$$, but only to my father. We DO pay him back. It will take us a while, but we pay off chunks as often as we can.

I know that people like to have credit cards on hand just in case of an emergency. I think it would be better to keep a prepaid debit card on hand, one of the ones that you can add money to it whenever you can and it can add up so that you have plenty in case of emergencies (finding the perfect pair of shoes to go with a dress you own is NOT an “emergency” :-)).

There are plenty of pre-paid cards on the market. Some are good, some are bad.

One such card is the KAIKU Visa Prepaid Debit Card.

Here is a little more information about the card.

KAIKU card

KAIKU Finance launched the KAIKU card as an affordable, transparent, accessible and convenient money management tool.

The KAIKU card can also help you to easily manage the family’s finances. KAIKU cardholders pay a monthly fee of only $1.95 and access their money at more than 53,000 ATM’s worldwide (through the world’s largest surcharge-free ATM Network) – making it more affordable than a bank account in many cases.

Prepaid cards allow you to load (and reload) set amounts into your account.  Once loaded, you can spend these funds like you would from a debit or credit card.  The perk of using a prepaid card is you do not run the risk of overspending and incurring high overdraft fees (debit cards) or interest rates (credit cards.)

While I do like the idea of prepaid debit cards, I am not overly happy with the fees some cards charge. KAIKU for example charges you $1.95 a month just to have the card. Even if you don’t use it you still pay $1.95/mo. That means you pay $23.40 a year just for owning the card. It’s much lower then other card fees, I just don’t think there should be a fee at all. Some people don’t mind paying fees. I know some credit cards charge a yearly fee too.

If you withdraw funds from one of the 53,000 in-network ATMs. If you use one that is out of the network you will pay .95 cents just to check your balance and $1.45 to withdraw funds PLUS whatever fees that ATM charges. That can be costly. You shouldn’t have to pay to check your balance.

As with any prepaid card you should keep track of any additional fees you might have to pay out. You can find a list of all the fees on the KAIKU website, KAIKU.com/Card/Fees.


A prepaid card like KAIKU is a great way to help children (and college students) how to live on a budget because parents are able to deposit money on their kids’ KAIKU cards via direct deposit, cash loading, card-to-card transfer or bank transfer.  Your kids can then spend wherever Visa debit cards are accepted and withdraw cash at ATMs. Kids can also reload the card themselves with their own money and use KAIKU’s online tracking tool and unique mobile application that allows anyone to track real-time purchasing, in order to better learn how to budget.

I like the idea of giving a card like this to a college student. They will have to learn to budget wisely which is a skill they MUST have for the “real world”. I’m not sure if I agree with giving a card like this to a child, but for a teenager I can see the value of it. Our daughter it hoping to get a job next summer. I might look into her getting a KAIKU card. She can put some of the money into savings and the rest loaded on to a prepaid card.

I have a KAIKU card and so far I like it. The only issue I have is the monthly fee, but like I said earlier, other cards charge monthly or yearly fees. The $1.95 a month is certainly a lot less then what others charge.

I also like that its a VISA card so it’s accepted everywhere whether it’s the grocery store, deli, movie theater or a retail store. It also looks like a regular card so no one would know that it’s a prepaid card.

I also like that it has a smartphone app so you can access your account anytime, anywhere.

For more information about KAIKU visit www.KAIKU.com. You can also find them on Facebook and on Twitter.



*I received a free card preloaded with funds in order to try it out and do the review. There was no other compensation. The opinions expressed are my own and are not influenced in any way.