FemaleLives

  Avoid Scams - Holidays Scams Caravan and mobile home scams Fake listings and attractive prices.  Avoid payments via bank transfer as opposed to other secure payment methods Holiday Cancellation refund Scams Criminals defraud people in a number of ways and they can find out a lot about you.  Avoid giving out bank account details over the phone. Look when entering details into a website which might be fake (look at the full address and ignore and domain name details that are left of any full stop, for example ryanair.iamascamsite.com is a scam site. Refund via a spoof refund agent Criminals call you with the claim of a refund which requires personal and financial information.  The real company should have enough information about the original payment method to pay back to your credit card or debit card. Holiday Booking Scan Make all purchases using a credit card which will protect you if the holiday is a scam or does not come about.  Holidays that are fantastic ...

  Avoid Scams - Currency Update all credit card companies with contact details and that you are going on holiday Make sure that you write down or photograph all financial contact details Make sure that you read the amount of the bill before paying the amount and check what that amount will be in local currency. Some scams put a zero or two at the end of the bill Leave items that you will not use from your purse in a secure place at home. If your cards are registered with a card protection agency, keep a contact number with you and a friend who can help with the details if required. DO NOT leave some with your card your any time, you can make a fraudulent purchase in 10 seconds. Shield your PIN entry with your hand when typing and move your fingers to do non-presses as well as real button presses so that overlookers can't read your movements. Have all your belongings on you or hook bags around chairs or your foot while sitting down. Check your accounts while on holiday to report any...

  Avoid Fraud - Romance Scam To build up a relationship with someone while on holiday where criminals are looking for a target to scam - widowed or divorced Scammers go to great lengths to gain trust and convince you that a genuine relationship exists before exploiting you by asking for money while on holiday or when you are back home. They ask that they need money for emergency medical care, and transport costs to continue the relationship.  Do not send money this will always end in tear, so avoid.

  Alternative Investment Gold Silver Artwork Wine and/or Whisky Property - fractional, rental Collectables Virtual Land NFT

  4 Simple steps to wealth 1. Step to wealth is to never spend more than you earn. Getting into debt by 1% of your earnings will compound over time and your debt will build and your expenses will go up and the debt will turn into a large overall debt. 2. Step is to save a percentage of your income every month Even 1% will build up over time and in a few short years, you can gain lots of wealth from small amounts of money. 3. Invest those savings into assets Saving will not make you rich, only investing will make you rich.  Invest in real estate, digital assets, and watches.  You only get really rich by investing in assets that pay income which you can invest in other assets. 4. Invest the profits from those investments Make sure your investment pot grows so that your capital grows so that you have multiple income streams.

best personal finance advice   I turned to   ChatGPT   and asked it for the best personal finance advice. Here is what it offered up. 1.   Create a budget and stick to it. Knowing where your money is going is an important step in managing your finances. 2.   Save for the future. It's never too early to start saving for retirement. Consider setting aside a percentage of your income for long-term goals. 3.   Pay off high-interest debt. If you have credit card debt or other high-interest loans, try to pay them off as soon as possible to save on interest. 4.   Save an emergency fund. It's important to have a financial cushion in case of unexpected expenses or a loss of income. Try to save at least three to six months worth of living expenses in a liquid, easily accessible account. 5.   Invest in your education. Continuing to learn and improve your skills can pay off in the long run through higher earni...

  Motivation  The first question you need to ask yourself is whether you're motivated to take the action steps required to achieve your targets. Achieving big goals is rarely plain sailing. Working towards goals can be one of the most valuable learning experiences you can encounter, and you'll need to be in a headspace where you can weather the storm when challenges come your way. You'll need to be able to pick yourself up and continue to keep moving forward when obstacles knock you off course. Motivation isn't all you need to achieve goals, but it can often carry you through the highs and lows of the journey to get there. If you set an ambitious goal when you're feeling depleted in areas such as energy or time, you may set yourself up to feel disappointed as your motivation wanes and you find yourself avoiding the action steps required to achieve your targets.  Time Ideally, you want to be setting goals that align with your values. This will ensure you're setti...