How to expand your office space without breaking your wallet


If your company is growing faster than you accounted for, you may be on the lookout for new office space. While that may be necessary for many companies, there are a few options you can consider first. This article will give you a few ideas about how to manage the problem without having to spend too much.

Expand office space

Some companies need a space to meet clients and make their pitches. It may be important for all your employees to share a common building to make the job easier. You can look for good deals to lease a larger space or put in additions- these are the traditional methods of increasing office space. You may also want to consider using module offices if you own your office building. This option allows you to put in an addition without spending too much money and without too much disruption to the workday.

Share a space

If you lease an office in a building with other companies, you may be able to find a shared workspace situation. Some businesses may have more office space than they need and may be willing to rent a portion of their space out to you. This means that you share in the burden of rent and utilities. Another advantage of this arrangement is that you can negotiate a shorter lease than you would get with a commercial landlord. This allows your company to be agile and respond better to sudden drops in workforce numbers.

Offer flexible work arrangements

Not only will these arrangements help you cut rent costs, but they can work wonders for morale as well. This will mean that you have a more happy and productive workforce. Offer to let your employees work from home if they do not absolutely need to be in the office. You can also offer shared spaces where employees can work flexible hours and share a desk or area. This is especially viable for businesses that need to be operating around the clock.

Take down those walls

If you have a suite of offices around the cubicles for mid to high level managers, you can opt for an open flooring plan instead. While you may hear some grumblings from the managers, it can work wonders for team cohesion and productivity if implemented properly. The managers will always be around their employees which will build trust and a more harmonious environment. Getting rid of large offices and their walls will also mean that a lot of floor space will open up where you can accommodate your new employees. A growing company will need team cohesion if it is to keep functioning properly and an open floor plan is a great way to achieve this.

These are just some of the options when it comes to accommodating more people on a short budget. Brainstorm with your employees and get their input before making major changes. This will mean that you will have a workforce that will bear some of the responsibility for the decision and will be happy with it.

How to Save Money on Fitness


If you keep spending money on gym memberships but never have to time to go in, it might be time to rethink your approach to fitness. There is no reason to spend a lot of money on expensive gym membership and home fitness equipment to keep fit. Here are some tips to keep your body and your wallet healthy.

Start with your diet

Along with exercise, your diet is an important factor in keeping fit. Start saving money by eating out less and cooking healthy food at home. Shift your diet to include more fruits and vegetables. Keep the portions small. Try using a small salad plate to keep the portions about the size of your fist.

Use Free Apps

There are many free apps available that help motivate and instruct you to keep fit. Apps can help you keep track of your calorie intake and create a personal fitness regimen that you can do at home. Additionally, there are many wearable available that keep track of every fitness indicator of your body from your heart rate to the amount of sleep you are getting.

Use Online Forums

Online forums are a great resource to join a community of like minded fitness enthusiasts who can motivate you and help you stay on track. Take the opportunity to ask for advice from the more experienced members and boast about your progress. There are online communities for all sorts of activities- from how to eat healthy to runner’s forums.

Get Creative

You can easily exercise at home without equipment. Sit-ups, jumping jacks and stationary running are all options. If you want to do some gym activities, there are many easy ways to save money on home equipment. Look for the best stationary bike stand that you can find and convert your own bike into a stationary bike that works as well as the one at the gym.

Get Outside

Join a running group and run outside. Go biking when you can. Join an amateur league in a sport that you love. All cities and towns have these group activities. It is just a matter of finding out where they meet and when. Don’t be shy. These groups are always looking for new members.

Look For Deals

If you have your mind set on that expensive membership, home equipment or sports apparel, try your best to find the best deal. Sign up for newsletters and coupons that alert you to a sale. Ask your company if they offer incentives for fitness. Some healthcare plans also cover fitness expenses. Ask your insurance company.

Gyms also offer family and friends discounts in which case you may save money if you join with a friend. You should also be aware of the best time to get a gym membership. Generally, you will not be able to find a deal at the beginning of the year because gyms get flooded with new members who have resolved to get fit in the new year.

Use Free Trials and Samples

Before paying the full price for a supplement to lose weight and keep you fit an healthy, you should take a look at free trials offered by supplement companies. For example, you can get a garcinia cambogia cleanse free trial for 30 days, with free shipping and handling.

This way you get to try before you buy and make sure they they work for you and agree with your body before stumping up the cash in full.

There are many ways to save money AND get healthy, just use a bit of creative thinking to get the most for your money.

Applying for a loan when your credit score is bad

file000195499258Not everyone has a great credit score, in fact more and more people have trouble keeping their credit score just as it should be. In a perfect world, we would all have a good credit score or history, and we’d be able to get a loan as and when we needed it.

The trouble is that a lot of people are struggling as it can be hard to make ends meet, and they often take out loans that are hard to pay back, or they miss payments on their current loans.

<h3>A risk

When your credit score is bad, banks and other financial institutions tend to see you as a risk. Unless they are sure they will get the money back, they won’t lend it to you in the first place. I know this may seem quite harsh, but they do have to be careful.

Imagine if someone asked you to lend them some money, but you weren’t sure if you would ever see it again, how would you feel? Chances are that you may not be too keen to hand over the cash. The money that you’ve worked so hard to earn may end up disappearing into someone else’s pocket, when it could be in yours all the time.


What can you do?

So what can you do? How can you get a loan when you really need one? There are a few solutions that you may want to consider:

  1. Ask yourself if you really do need a loan, and whether there’s any way you can manage without one.
  2. If you find that you still need the money and you cannot manage, then perhaps asking friends or family is a good way to get the cash you need. They are unlikely to charge you interest, and arranging payment dates can make them more confident about handing over their cash.
  3. Try to work a few extra hours. Some people I know have taken on a few more hours at work, and they’ve managed this way. My friend who creates Topiary Art did an extra 5 hours a week, and that helped him to get hold of the much-needed cash.
  4. Think about selling things you don’t need or want. This is a great way for you to make some extra cash. Although you may not be able to come up with the full amount, you could well find that your bank balance is a little better.

Pay day loans

One thing I don’t want to suggest is taking out a payday loan. The interest rates on them can be phenomenal, and you could end up paying 50% more back. Some people do manage with this type of loan, but a lot of people don’t. My older took out a payday loan, and then had to apply for another as he was unable to make payments on the first loan. This is how things can spiral out of control if you’re not careful.

I think one of the best things you can do is to consider all of your options before you take out a loan. If it looks like you can get away without applying for one, you could save yourself a lot of cash in the long term.