Category: Money

Is this the largest African Grocery Store in Birmingham, United Kingdom?

For those seeking the genuine essence of African culinary delights in the heart of Birmingham, look no further than Samis Online. As the largest African grocery store in the area, this establishment boasts an impressive collection of Afro-Caribbean products, providing an authentic taste of Africa to all who visit.

Recently, I had the pleasure of exploring this unique grocery store situated at 82-89 Cecil Street in Newtown, Birmingham B19 3SU. Here’s a glimpse into what makes Samis Online a standout destination for anyone craving authentic African ingredients.

A World of Authenticity: Samis Online’s Vibrant Atmosphere

Upon stepping into Samis Online, I was immediately captivated by the store’s lively ambiance. The shelves and aisles are adorned with a myriad of vibrant products, each exuding the essence of African culture. Samis Online is conveniently located, making it easily accessible for locals and anyone eager to experience authentic African groceries.

A Glimpse of Samis Online’s Offerings

The store is a treasure trove of all things African. It boasts an impressive array of authentic products, from dry goods to fresh produce, meats, fish, spices, and a plethora of vegetables. What truly stood out was the wide range of dry goods sourced directly from Nigeria. From spices tailored for traditional dishes to essential items such as garri, elubo, plantain flour, and diverse rice varieties, the store offers a comprehensive selection that caters to the essence of African cuisine.

The highlight of my visit was discovering the assortment of fresh Nigerian vegetables and produce, flown in multiple times a week via air freight. This dedication to freshness and quality is what sets Samis Online apart.

Embracing Diversity: Serving the Entire African Community

Beyond catering to the Nigerian community, Samis Online embraces the cultural diversity of Africa. Serving a broad spectrum of African nations, including Congolese, Kenyans, Southern Africans, and Zimbabweans, the store provides something for everyone.

Moreover, Samis Online offers an e-commerce platform, allowing customers to order their favorite African foods online. The store ensures next-day delivery throughout the UK, making it convenient for those who prefer to shop from the comfort of their homes.

The Vision and Resilience of Samis Online

While speaking with one of the staff members, I gained insight into the commendable work done by the founders, Olusegun and Oyetola Akande, in building their business. I learned about their vision that extends beyond mere commerce. Their commitment to providing a taste of home to the diaspora has faced challenges, such as fluctuating foreign exchange rates. Yet, they have navigated these hurdles while ensuring consistency in the quality and affordability of their products.

A Must-Visit Grocery Store in Birmingham

In conclusion, Samis Online is a culinary treasure trove that beckons all with its authentic offerings and unwavering commitment to quality. For those eager to explore Samis Online’s impressive collection of African products, visit their website at Samis Online. You can also visit their physical location at 82-89 Cecil Street, Newtown, Birmingham B19 3SU, and reach out via email at

This review is intended not only to share my personal experience but also to highlight and promote the exceptional services and products offered by Samis Online, encouraging others to indulge in the unique flavors this place has to offer.

My article on another African Grocery Shop like Samis is below. I live in Gloucester City where there is another African Grocery Shop is located.

Gracious Store & Afro Hair Salon, Gloucester

8 Ways To A Successful Career Change In Any Field

8 Ways To A Successful Career Change In Any Field

This article was originally published on Cr8v Stacks.


There are many reasons why people change careers, and these reasons can vary significantly from person to person. If you’re looking for ways to a successful career change, keep reading.

Did you know that about 50 million Americans changed or quit careers in 2021 alone? That number is expected to be higher in 2022. Another research showed that more than 74% of employees were willing to learn new skills so they can remain employed.

Some people change careers to increase their income and improve their financial stability. While others may be looking for a career that is more fulfilling or meaningful to them.

People may also look to a career change in order to find a better balance between their work and personal lives. Or they want to move to a different city or country and need to find a new job in their new location. While others may be feeling burnt out in their current job and need a change of pace.

Thinking of changing your career fields can happen for different reasons.

Ultimately, the decision to change careers is a personal one that should be carefully considered and based on an individual’s goals, values, and needs.

What age is best to change careers? There is really no default age for changing your career. What matters is your dedication and how quickly you can adapt to a new career field and pace.

So what to do for a career change? First, let’s look at some statistics.

Why People Change Careers

According to a Midlife Career Crisis survey reported by Joblist, the following are the reasons why people switch careers; better pay (47%), a new challenge (25%), not passionate about the field (23%), and being too stressful (39%).

There are many other reasons why people change careers:

  • Better pay and benefits: Changing careers to increase income and improve financial stability.
  • Career advancement: Doing it to gain new skills and experiences that will help you advance in your current field or move into a higher-level position.
  • Job satisfaction: Some people are not satisfied with their current job. They may be looking for a career that is more fulfilling or meaningful to them.
  • Work-life balance: Some do it in order to find a better balance between their work and personal lives.
  • Location: Some do it because they want to move to a different city or country and need to find a new job in their new location.
  • Life changes: Changes in their personal lives, such as getting married, having children, or caring for an ageing parent can cause a career change.
  • Pursuing a passion: How about having a passion for a particular field and wanting to turn it into a career?
  • Burnout: You might be feeling burnt out in your current job and need a change of pace.
  • Layoff or job loss: Some change careers because they have lost their job due to layoffs or other circumstances.
  • Retirement: People can decide to change careers as they approach retirement age and want to do something different in their later years.

8 Ways To A Successful Career Change In Any Field

How To Change Careers

Changing careers can be a daunting process, but it can also be incredibly rewarding. There is no need for worries like “I want to change my career, I need a career change, I want a career change”.

If you’re feeling stuck in your current job and want to switch careers, here are some tips and strategies for making a successful transition to a new career:

  1. Assess your skills and interests: This is one of the most important career change advice. Before you start exploring new career options, it’s important to understand your own strengths and what you enjoy doing. Consider taking a skills assessment or career change quiz to help identify potential careers that align with your skills and interests. This also helps streamline your career change options.
  2. Research and network: Once you have a better idea of the types of careers that might be a good fit for you, it’s time to do some research. Look into the education and experience required for the roles you’re interested in. Consider reaching out to people in those fields to learn more about their experiences and get advice. Networking can also be a great way to learn about job openings and potentially get your foot in the door. Through networking, you can also find someone who would recommend career change jobs.
  3. Gain relevant experience: While it’s not always possible to switch to a new career without some additional education or training, gaining relevant experience can be key to making a successful transition. This might involve volunteering, internships, or part-time work in your desired field. This helps when starting a new career.
  4. Update your resume and cover letter: When you’re ready to start applying for jobs, make sure your resume and cover letter accurately reflect your skills and experience and highlight any relevant achievements. Consider seeking out professional resume writing services or asking for feedback from a career coach or mentor.
  5. Consider taking additional education or training: Depending on your desired career field, you may need to complete additional education or training in order to qualify for certain roles. Look into programs or courses that can help you gain the skills and knowledge you need to succeed in your new career. Taking that course is important in selecting career change ideas because most times courses open you up to more information about your new career field. If you are not enjoying it, it’s probably not for you.
  6. Develop a plan: Switching careers can be a complex process, so it’s important to have a clear plan in place to guide your efforts. This might involve setting specific goals and milestones, identifying any potential obstacles or challenges, and creating a timeline for your career transition.
  7. Seek support and guidance: Changing careers can be a stressful and overwhelming experience, so it’s important to have a support system in place to help you through the process. This might include family and friends, a career coach or mentor, or a professional network of people in your desired field. Don’t be afraid to ask for help when you need it.
  8. Be patient and persistent: Switching your career can take time, and it’s normal to encounter setbacks along the way. It’s important to stay patient and persistent and to keep your long-term goals in mind as you work towards your new career. Don’t give up if things don’t happen overnight – with the right mindset and approach, you can achieve your career goals. Being patient can help you make top career change choices.


Changing careers can be a challenging process, but with the right mindset and approach, it’s definitely possible. By assessing your skills and interests, researching and networking, gaining relevant experience, and updating your resume and cover letter, you can set yourself up for success as you embark on a new career path. Good luck.


11 strategies on how to shop more on a budget

It’s easy to learn how to shop more on a budget. If you can save money by buying goods on a budget, then by all means do so. In most countries, food is very expensive at the moment, and you should learn how to save money and do your grocery shopping on a tight budget.

This is particularly important when you have a large family to feed and need to stretch your resources. Shopping on a tight budget is easier if you compare prices and look for sales.

Recently, the inflation rate in the UK has been going up which has been affecting the quality of life. is at a 40-year high.

UK’s current inflation rate means people need to find ways to improve their cost of living.

It is also important to understand how inflation is affecting your cost of living.

Shopping on a budget means that you determine how much you are willing to spend in advance and then stick to it.

If you go over budget in one area, the extra cash must come from another part of your budget. So it’s important to carefully consider any changes before implementing them.

Before spending any money, make good decisions and think long and hard to find out whether you are within your means.

How to shop more on a budget

  1. Practice Online Shopping:

Online shopping has become easy and convenient for customers thanks to e-commerce.

For clothing and accessories, you need only know your size and order from the comfort of your home.

For Food items, you just need to have a list of what you are looking for.

When you shop online, you can compare prices and find the best value for your money. This is even with the added benefit of not having to pay sales tax. You can save more money.

A lot of companies offer free shipping, depending on where you live and the terms and conditions. You should do some research and inquire about this.

  1. Plan your shopping:

Before you decide how much you have to spend on shopping, work out your monthly budget. Then plan for living expenses such as utilities and housing.

If you need to pay for the essentials in an order of importance, write them down and use your income to do so.

Keep to the budget you’ve set yourself and avoid impulse purchases.

  1. Make use of Coupons:

You should use coupons when you are shopping; there are grocery stores that offer discounts to those with a membership card.

Before you sign up for a membership card, research all the grocery stores in your area. You can then choose one or more that appeal to you.

This is if the membership card is affordable and won’t affect your budget. This way, you can find the best prices and fit into your tight budget. If you are shopping for clothes, always ask if there are sales.

  1. Think of Food:

Be sure to write down your shopping list before you go to the store and then stick to it.

Shop in discount stores and other places where you can get great deals on high-quality foods. An example is your local farmer’s market.

Avoid buying candy and junk food as they tend to be expensive and have little nutritional value. So, whenever possible, buy food in bulk and prepare large meals so that you can freeze a portion for later use.

When you have a shopping plan, you can eat well for less.

  1. Shop during Sales:

Most stores run regular sales, and you can usually find bargain clothes in a sales section.

You can ask a salesperson about items on sale and look them over. Also, you should think about shopping out of season.

During some sales, you can buy basic products for as little as 75% off.

Taking advantage of sales is a guaranteed way to shop more on a budget.

  1. Practice Circulars shopping:

Before you plan your meals, open circulars from your local grocery stores. Most offer email subscriptions so you can get newsletters.

You can then compare what is on sale and which retailer has a better price on common items.

If you know that the store often sells oranges at a discounted price of two for four during the summer months, you don’t need to pay 4.99 GBP for a carton of strawberries.

  1. Buy from Thrift Store:

If you are shopping on a tight budget and live in an expensive location like London, thrift stores might be the best option for you. This way you can find vintage goods for less than the price of shopping at more expensive stores and brands.

You can find a range of products, sometimes, including the newest fashions.

  1. Eat Twice and Cook Once:

If you find a really good deal on the lasagna ingredients, buy enough for two and keep the other in the freezer.

No need to stretch your budget when cooking a quick dinner. Simply pull out the leftover recipe and toss it in the oven the next time you have to plan a meal.

This option is easier and cheaper than if you had purchased all the ingredients for the second lasagna at their regular prices.

This can help you shop more on a budget.

  1. Buy items in bulk:

Non-perishable items such as tissue, toothpaste, rice, sugar, and tin items should be bought in bulk. This may seem expensive at first but will ultimately save you money in the long run.

Buy things that you are certain to use, or it is a waste of money.

Also, sometimes, buying items in bulk can help save money unlike buying items individually. Depending on where you are shopping, people are always discounted for buying certain items in bulk.

For example, instead of buying that soda in pieces, why not save money on it by buying a pack?

Buying items in bulk is an effective way to shop more on a budget.

  1. Plan for leftovers:

Do not throw away your leftovers.

Throw away leftovers, and you’re throwing away the money you spent on the ingredients.

When you are preparing your meal plan, include leftovers in it.

For example, you can prepare them for lunch the next day, or use them as a sauce for another meal.

You can also adjust the recipe for the amount of food you and your family will consume. If you like a certain rice sauce, you can cook more than you need to. Then store the leftover in the refrigerator.

  1. Shop at the market:

Shopping at the local market often proves to be more affordable than buying items in the supermarket.

This is especially true in countries where items are imported and sold at the supermarket. You will pay a premium for items that are not made locally.

Buy your vegetables and ground provisions at the local market. If you know a local farmer, you can buy them from him.

Planting your vegetables is another great option; why not get a backyard garden and eat what you grow? It can be a fun experiment.


Some might find these tips to be excessively frugal. But when you cut costs in lots of small ways, you can make significant savings without making any huge sacrifices.

It does not take a great deal of time or energy to get into the habit of thoughtfully considering your purchases. You may not always make the choice that will save you the most money and choose convenience, but at least you have made a conscious, well-informed decision.



If you are an expert in your field, you should probably seek ways to make money off your knowledge and earn something extra. If you are one of these people seeking ways to monetize their knowledge, you have come to the right place.

In this article, we are going to explain how you can make cool money sharing your knowledge and teaching other people that which you know how to do well.

However, before you go ahead and try to monetize your knowledge, make sure you really know this field in depth. You don’t have to be perfect at it, but you have to have a great deal of knowledge on the subject matter to be able to share this knowledge.

Also, make sure you have value to provide to people seeking to learn more in this field. You have to show that you have and you can provide value to them. This way, you will be trusted more when you finally decide to monetize your knowledge.

Test the waters by putting out contents into the world and building an audience. You can start a blog, vlog or podcast. You can create social media pages to showcase your knowledge. Once you have attracted a good number of audiences interested in what you know and who want to learn from you, you can now start to monetize it.

There are endless opportunities to make money based on what you know. Here are some ways you can earn some money with your knowledge.


Writing about what you know on a blog is a great way to earn some money. Create a blog based on your niche, create amazing content that provides a lot of value in this niche, ask questions people might have on the particular topic and break down seemingly complex areas.

Focus on creating high-value content that will help generate traffic to your blog. Note that your focus should be on the quality of your article, and on serving your readers the valuable content they need.

You can advertise on your blog to make some money once your blog starts to generate good traffic. You can advertise via google ads or team up with companies and help them advertise their product for a fee.

However, blogging may not make you a lot of money but can serve as a ladder to something more. For example, building an audience who knows you deliver great value might come in handy when you decide to publish a book. By then, you will have a willing market ready to buy.


You can reach out to magazines and websites in your niche that is willing to pay for your content. First, you must establish yourself as an expert in the field who can provide the type of informative and educative article they are looking for.

Make sure you have samples of your work at hand to establish yourself as an expert. Your blog or social media pages where you talk about your niche might also come in very handy.

Some of these magazines or websites pay a flat rate while some pay by the page view.


Another way you can make money off your knowledge is by publishing a book. Consider sharing what you know in a book and selling it to people who will benefit from the knowledge.

For this to work well, you must be seen as an expert in the field who provides value. This way, people will trust you enough to buy your book. You can establish authority by implementing social media or blogs to share free knowledge. Try to build a solid audience base who will become paying customers when you publish your book.

You can decide to publish the traditional way or self-publish. If your book is the type that will appeal to a lot of people, it is advisable to go the traditional way. Publishing this way has a lot of advantages and is more lucrative.

You earn an advance and royalties which is a set amount of money you will earn regardless of how many copies are sold. The publisher also takes care of all the expenses incurred in publishing the book. In addition to this, you have a professional team to help you to publish the book.

However, it might be a bit hard to get a publisher, especially if your niche won’t attract a wide audience. You might have to resort to self-publishing.

You can also research how to start selling books on platforms like Amazon.


Based on your niche, you can create courses to host on your personal website, this way, all your earnings go to you. However, you need to have a functioning site that drives lots of traffic and people willing to pay for the course.

You can also put up your courses on a popular site like Udemy, where you earn some money when someone buys and pay for the course. However, you might need to pay a token to put up your course on the site.  You can also create a course in collaboration with another company where you can earn an advance and royalties.


Offer one on one coaching to people who need help or tutoring in your niche. You can also offer a group tutorial to people who are looking for help on the subject. It may be virtual, hosted on social media spaces where people pay a token to participate.

It may be real-life coaching as well. There are different media to explore when it comes to coaching, carefully choose one that’s perfect for your niche. These days, people organize masterclasses to share their knowledge in their field with people who need it.

Your services can also be offered to organizations or businesses that could use your expertise.


This can be a lucrative source of income if you go about it the right way. You can be a motivational speaker who gives speeches for handsome pay. You can also organize training and workshops for people who are eager to learn about your field.


There are online surveys and tasks designed for people who are an expert in a particular field. However, this may not pay much but it’s a great way to cash in on your knowledge.


Hosting a paid webinar to share your knowledge is a great way to make some money. You can utilize Skype and Google Hangouts to work with clients, one on one. You can also utilize ClickMeeting to host a live video to teach and share valuable insights to your audience for a token.

Targeting a large audience to teach a paid webinar is very lucrative. If you offer great value, you may be able to get hundreds of people to pay to learn from you via a webinar. Several things can be taught here, ranging from practical classes e.g cooking classes to theoretical classes.


You can earn money as a consultant online. For example, if you sign up on a site like Maven, you get paid to answer questions on your area of expertise.

All you have to do is sign up, select your consulting rate per minute or hour and answer some questions about your niche. The site will find you a gig and match you.


If you love making tutorial videos based on your niche, you can find a way to make some money from it. You can post these videos on a platform like YouTube and learn how to grow them. Once you meet their requirements, you will be able to earn some money from it.


Most times, we underrate how much we know about certain subjects by thinking we don’t know enough. You’d be surprised how many people out there don’t know even half of what you know and will pay to learn from you. Looking for ways to make money off your knowledge is one of the most convenient ways to make extra money.




Is Cheltenham actually in the Cotswold?

Cheltenham’s proximity to the Cotswold makes a lot of people think that Cheltenham is in the Cotswold. Geographically, Cheltenham is not in the Cotswold.

Cheltenham is a very important town in Gloucestershire and plays a very important role in fostering the economy of the Cotswold area.

Cheltenham is often regarded as the Centre of the Cotswold because the town is just at the edge and boundary of the Cotswold AONB and Cotswold District Council.

Cotswold area is one of the most beautiful regions of Britain and the area has a very rich history.

The Cotswolds are a region of undulating hills in central-southwest England that extend from the upper Thames’ meadows to an escarpment over the Severn Valley and Evesham Vale.

When the boundary of the Cotswold is been considered. There are two possible ways to see the boundary of the Cotswold.

Cotswold AONB

An area of outstanding natural beauty ( AONB ) is land protected by the Countryside and Rights of Way Act 2000 ( CROW Act ). AONB is a landscape that is protected at the federal level.

Each AONB was established as an AONB in order to protect these assets for future generations.

Each AONB has its own unique, sometimes distinctive, traits in terms of its culture, history, and wildlife. Cheltenham town boundary does not fall within the boundary of Cotswold AONB.

Cotswold District Council

This is a local authority that is one of the Local Authorities in Gloucestershire county. The Cotswold district council covers the majority of the Cotswold AONB. Cheltenham is outside the boundary of the Cotswold district council. Cheltenham has its own local authority called Cheltenham Borough Council

While Cheltenham is technically not within the boundary of the Cotswold, the town is very important to the Cotswold.

Cheltenham town is in proximity to most of the Cotswold towns and villages including the Cotswolds tourist attractions and landmarks.


Best proven ways to improve your cost of living

Thanks to several factors, the cost of living has increased a lot globally and in the UK in 2022. A lot of people have started researching the best-proven ways to improve their cost of living.

The cost of living represents money that is required to pay for basic living costs in a location and time, such as housing, food, taxes, and health care.

A recent health and wellbeing survey showed that 1 in 5 people struggle to adapt to the rising cost of living.

This is why we have decided to do our own research and suggest some tips to help you improve your cost of living. These strategies will help you cut costs at home and even save –money.

Even if you are not struggling with the demands of the increased cost of living, you can still read this article.

  • Track or Pay attention to how you spend

One of the first steps to having a better cost of living is to track your expenses. When you do this, you know where you are leaking money and where to plug it.

Without tracking your income and expenses, you can’t effectively create a budget.

Keeping track of your expenses will help you understand your financial situation i.e. how you spend money, save money and your income.

To track your income, you must be as detailed as possible when tracking your incoming and outgoing.

To do this, you can make use of several budgeting tools or online budget planners.

Once you understand your spending habits, you can then know which of your spending is essential and non-essential.

What you decide to remove might be a streaming service that you don’t really use or a gym membership. It can be anything you deem non-essential and can be cheaply replaced or ignored entirely.

  • Bargain where necessary

Bargaining helps you get value for money most time. Most people, especially the middle and lower-income earners look for the best deal possible on everyday products and services.

Switching to a less expensive service or product is one way to bargain. Looking for promo deals is another.

Moneysavingexpert has a guide on how to negotiate for the best deals.

Lower-income families can also look for income-based savings programs.

  • Create a budget system:

Once you have a better knowledge of your income and expenses, you can then create a budget system. It is the second step to improving your finances.

To create an effective budget, write your short, medium and long-term goals. This gives you room to make your money work better for you.

An example of your short-term goal might be paying off your debt. A medium-term goal may be saving for a course. A long-term goal may be going on holiday, saving up for your child’s education or applying for a mortgage.

You can be as flexible as you want with your budget.

Having budget systems ensure you have a strict plan to follow. It is very easy to deviate from a plan but your budget should help put you in check.

  • Shop for groceries

Eating out can greatly have an impact on your cost of living as it is more expensive than eating in. this is why shopping for groceries is one step to improving your cost of living.

A simple hack to shop well for less is to create a meal plan and shopping list. With this list, your shopping for any given period is streamlined and will reduce spending.

You can also choose to alternate between cheaper and generic brands instead of your favourites.

You can also look for supermarkets offering deals on products that you need whether through coupons or in-store discounts.

  • Fuel Pricing

Energy prices are at a record high in 2022. This increment has greatly affected the prices of petrol, diesel and gas.

This is why it is now important to be strategic with your refills.

Do you still need to take your personal car around or are you better off taking public transport? You need to ask yourself these questions and do your appropriate calculation.

You can also use online platforms that compare diesel and petrol prices in your area to find the best deal around.

You really don’t need to go everywhere with your car or switch on your air conditioner all the time.

You also don’t have to cook individual meals at home. The advantage of having a meal plan is that you can cook in bulk and refrigerate appropriately.

  • Appliances using Energy

Energy prices are also ridiculously high at the moment. This is why it is important to invest in power-saving appliances when you can.

For the appliances already in your house, you can limit how much you use them. Dryers and refrigerators are high energy-consuming. You can find energy-saving alternatives and put yours up for sale.

You have to use a tumble dryer when you can your clothes outside.

Looking for appliances with a high energy efficiency rating will save you a lot of money.

  • Save Fuel For Cars

As mentioned earlier, fuel prices have skyrocketed. For this reason, you must follow some fuel-saving practices.

If you are not a fan of public transport, you do not need to abandon your car entirely.

Firstly, you must define where you have to go with the car. Secondly, you should avoid excessive speeding, especially accelerating aggressively from a standstill. These guzzles fuel a lot.

Also, you can put your car in the “eco” setting if it has. With the settings, your car’s speed is automatically reduced.

You should also, take your car for a thorough health check to ensure essential fuel consumption parts like the fuel pump and nozzle works perfectly.

  • Practice Financial Diet

Procrastination is one of the biggest enemies you must fight to improve your standard of living. You must be intentional about this.

This is why you must set a financial diet goal for yourself. Just like you set a goal for a nutritional diet.

You can give yourself a target of reducing your expenses by 300 pounds in the next quarter.

A financial diet gives you room to manoeuvre your expenses and plan your fat trimming accordingly. It is quite easy to overwhelm yourself while trying to cut costs.

It helps you make good, clear and intentional financial decisions over time.

  • Rent a cheaper apartment

Rent or mortgage has a way of adding up. In fact, for most individuals or families, it is their largest monthly expense.

Ideally, your rent or mortgage shouldn’t take up more than 25%-30% of your income. You should consider finding a new space if this is not ye case.

We know moving to a new home isn’t always the easiest thing to do. But if it means it’ll greatly improve your household’s cost of living, then you should consider it.

Also, this tip is great for prospective new home earners and first-time home buyers.

A couple of hundred pounds that you save monthly on these fees will translate to thousands every year. Think about it.

You can find out more on how you can save for a house on a low income.

  • Avoid being in debt:

Debt has a way of piling up. You may think debt is small or you’d look to borrow from elsewhere to cover the existing debt. But debt is best paid quickly and on time.

Paying off your debts early gives you the chance to focus your finances on other things. It offers a great financial cushion.

The truth is if you can do without getting into debt, you should let it stay that way.

  • Try boosting your income:

One of the easiest ways to improve your cost of living is to earn more than you spend.

How then do you increase your income?

You can try working for and asking for a raise at work. However, you should have in mind that this can go either way.

Another strategy is to find and master a side hustle. Side hustles are the best way to improve your income as it has a lot of growth potential. Several people’s side hustle has become their main source of income today.

There are several side hustle business ideas out there you can consider.


One of the best things you can do to reach your financial goals as quickly as possible is to lower your cost of living.

Have you ever taken the time to add up how much you spend on necessities such as food, utilities, and housing costs each month? It sometimes adds up to a lot.

But, while these areas of personal finance can be expensive, reducing your spending is often the most difficult. With these tips, you can improve your cost of living in no time.


Does Vanguard have individual stocks in UK?

Many investors who want to consider investing using Vanguard in the UK often ask whether vanguard offers individual stocks.

As of the time of writing this post, Vanguard does not offer individual stocks to their UK investors.

Vanguard is one of the most popular and favorite investment platforms in the UK. Vanguard is famous for its index fund and ETF.  One of Vanguard’s most popular products is its Lifestrategy.

Stocks & Shares ISA should not be mistaken for the actual stock and shares. One of the account types Vanguard offer for people interesting in investing is Stocks & Shares ISA. However, you can not invest in individual stock and shares. Instead, you can invest in index funds and Exchange-Traded Funds (ETF).

Both individual stocks and shares and Index fund and ETF do have their advantages and disadvantages. if you are not specifically interested in a particular company, I think should consider investing in the Vanguard Index Fund or ETF.

What is the difference between individual stock and index fund?

When you buy a share your investment is in a particular company. This gives you ownership of a single company. An index fund is a portfolio of assets that often consists of bonds, other assets, and shares in numerous firms. This portfolio is intended to follow entire market segments, growing and declining along with those segments.

What are the best Vanguard Funds in the UK

LifeStrategy fund

Vanguard created the LifeStrategy range to help people who do not know how to build and manage their own portfolios. Vanguard LifeStrategy combines multiple individual index funds into one fund portfolio, giving you access to thousands of shares and bonds in a single investment.

Vanguard LifeStratgy is a ready-made portfolio and is one of Vanguard’s most popular products.

Depending on your risk tolerance and stage of life, Vanguard LifeStrategy comes in 4 types which are

  • LifeStrategy® 20% Equity Fund
  • LifeStrategy® 40% Equity Fund
  • LifeStrategy® 60% Equity Fund
  • LifeStrategy® 80% Equity Fund
  • LifeStrategy® 100% Equity Fund

FTSE U.K. All Share Index Unit Trust

This fund is one of Vanguard Equity Funds. The word equity simply means stock and shares. The fund does not have any other assets like bonds.

This fund is unique in that it holds portion shares of all the companies listed on the London Stock Exchange.

It simply tracks the FTSE and follows the performance of the overall UK stock market.


This fund primarily tracks the performance of the United States S&P 500 index. It holds a portion of all the companies listed on the S&P 500 index. For UK residents interested in investing in the US stock market, this fund provides you the opportunity to do so.

U.S. Equity Index Fund

Aspiring investors in the UK often enquire about the UK equivalent of Vanguard Total Stock Market Index Fund.

This fund invests in the over 3,000 securities in the Dow Jones US Total Stock Market Index. The objective is to track the total return of the broad US equity market which includes large, mid, and small-capitalization stocks.

A lot of the big companies you might be interested to invest in will be inside this fund.