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Goodreads 2019 Reading Challenge – Failed!

I’m sad to say I failed my Goodreads 2019 reading challenge. The reason I failed is that I ran out of time to read because I was too busy making stock for the craft fair.
I’ve lowered my challenge to 30 books this year. I feel a bit of a cheat because I have 5 books on the go that I started last year but haven’t had time to finish them yet. Two of them are audiobooks and for some reason, 1 of the CDs isn’t working on my laptop so I haven’t been able to finish it yet.

Anyway, here are the books I did manage to read last year.

Goodreads 2019 reading challenge
Goodreads 2019 reading challenge
Goodreads 2019 reading challenge
Goodreads 2019 reading challenge
Books I read in 2019
Books I read in 2019
Books I read in 2019
Books I read in 2019

So that was my Goodreads 2019 reading challenge. I hope I do better in 2020 because I really do love reading and I have a huge ‘to be read’ pile!

Goodreads 2018 Reading Challenge

Ways To Improve Your Credit Score

person holding a credit card - credit score
Image by Michal Jarmoluk from Pixabay

In today’s world, your credit score is quite important. Not only will your credit score determine whether you can get a mortgage or other bank loan, it will also be checked when you want to sign up for a mobile contract, pay your car insurance in monthly instalments or open a new bank account.

What Is A Credit Score

Your credit score is used by lenders to help them decide whether to issue you with a loan based on your credit history.
If you always pay your bills on time and haven’t been in arrears you will have a good credit score.
However, if you’ve fallen behind with any bills, had your credit accounts sold to debt collectors because you’ve failed to keep up with agreed payments etc, your credit history will be poor.

Get A Credit Rebuild Card

Using a credit card to rebuild your credit is a good way of improving your score. However, it’s a vicious circle because it can be difficult to get a credit card if you have a poor credit history.
There are card companies out there that provide credit to people with a poor score and as long as you use it for small amounts each month then pay the bill in full, it will look good on your credit report.

You can also do the same by looking into smaller loan amounts and making sure you pay them off in full and on time.

Register To Vote

One of the easiest ways to help improve your score doesn’t have anything to do with your payment history, it’s simply to be included on the electoral register.
Being registered to vote means lenders can verify your address and they like to know you have a permanent address.

Another way to improve your score is to pay all your bills on time and never default on payments.
Defaults in the last 12 months will hurt your score more than some from a few years ago.
Reducing all your debt will go a long in helping your score improve.

Building A Good Score Takes Time

Building a good credit score won’t happen overnight. It takes time and planning, especially if your current score is low.
Limiting credit applications, only borrowing what you can afford and making sure all payments are made on time will help the process but you’ll need to be patient.

This is a collaborative post.

Helpful Tips For Setting Up An Office

Image by Malachi Witt from Pixabay

Setting up brand new office space from scratch can be pretty daunting. It doesn’t have to be, however; if you plan ahead and do your research, you may even find yourself enjoying the experience.

Below are some things to think about when setting up your new office.

Make Lists

Lists are your friends! They can help to keep you focused when things start to get overwhelming.
You’re going to need different lists for the different areas of the office. Here are some ideas to get you started:

  • Legal Constraints & Obligations
  • Communications & I.T.
  • Furnishings
  • Stationery & Office Supplies
  • Security Systems

Let’s look at these in more detail.

Legal Constraints & Obligations

If you’re leasing your office space, you need to be aware of any constraints there may be, especially if you’re wanting to make any alterations.

You also need to ensure the office observes health and safety laws as well as complying with the Equality Act to make sure people with disabilities can access the space.

Communications & I.T.

Phone lines, broadband and internet access points are the main areas of communication you’ll need to organise.
You’ll then need to decide how many computers and printers you’ll need and decide whether you’re going to have your own servers and network.

Office Furniture

There are many different styles of office furniture out there so you’re going to need to visualise the space and decide how you want the space to look.

Desks, chairs and office storage for your employees are the first items that come to mind but you may also need larger conference or training tables and comfy seating for visitors.

Stationery & Office Supplies

Stationery is not just paper and pens, you’re going to need to think about letterhead paper, complimentary slips and business cards amongst other things.
You can design your own company logo for your letterhead and business cards, pick from hundreds of different designs online or have it designed specifically for your business by a design firm.

Security Systems

Do your research before buying and installing a security system. There are many different types and levels of security available to suit all budgets.
Don’t go with the first firm you find, get quotes and check reviews before parting with your money.

This is a collaborative post

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