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Gavin Newlands visits new CAB premises

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Gavin Newlands, MP for Paisley and Renfrewshire North, has visited the new offices for Renfrewshire Citizens Advice Bureau to find out how they help their service-users.

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The Renfrewshire Citizens Advice Bureau has recently moved to a new premises at Glasgow Road, with these new offices having more interview rooms to allow them to help more clients seeking help.

During the visit, Mr Newlands was able to meet with staff and volunteers to find out more about the work that they do to help service users.

Gavin Newlands, MP for Paisley and Renfrewshire North, said:

“I was extremely impressed with the new premises that the Renfrewshire Citizens Advice Bureau have on Glasgow Road, Paisley. The new space that’s available at these new premises, including additional interview rooms, will be of great benefit to people using their services.

“I enjoyed meeting the Citizens Advice Bureau staff and volunteers and it’s easy to see how much pride they take in the work they do to help local people to deal with a wide variety of issues. The Renfrewshire Citizens Advice Bureau perform a fantastic service and can offer advice on a wide range of matters, such as benefits, legal matters and consumer issues. Anyone looking for advice and assistance should get in touch with our local Citizens Advice Bureau.”

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Finance and investment advice for entrepreneurs

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Running your own business can be exciting. It sure beats working for an employer and it gives you the opportunity to use your many talents to your advantage. The risk is greater than working for an employer, but being able to make money in more than one way can ensure a better survival rate for your enterprise, and enable you to invest in your own future, too.

Why you should study finance and investing

Of the many businesses that will fail this year, most of them will do so because of poor money management. While every entrepreneur is dreaming of and planning for success, many do not really know as much about good money management and investing as they should. Without it, long-term business survival is less likely.

There really are many things you need to know about finances because money is what will power and enable your business to go forward, so you need to take some time to learn how to use it best to your advantage. Mismanagement of finances, along with poor record-keeping, can easily lead to problems that will make it hard to keep your business afloat.

Investing wisely leads to greater stability

If your new business cash flow is such that it is a struggle to pay the bills that indicates you are already in trouble. By investing your money wisely, or a percentage of it, you can create a reserve supply of cash that is steadily growing. It will also relieve the pressure you will face if you have no reserve and unexpected bills come in. Remember, too, that if you are starting a business that it may be a few months before your new business will realize any profit. Investing money in the right places will enable your reserve to grow. It can also help you to get or stay out of debt.

Diversify investment money for safety

You will have heard it said many times that you should never put all your eggs in one basket. The same thing applies to your investment cash. By placing your investment into different investment tools, such as stocks, bonds, mutual funds, etc., you provide protection for at least part of your investment, in case of economic problems.

Diversification also enables your portfolio to continue to grow. There will be occasions when certain industries or stocks may come to a standstill, or even collapse. By investing your money in different financial instruments you are more likely to have some in sectors that will continue to prosper.

How to learn more about investing

There are several ways to learn about finance and investing:

  • Read books about it – there are plenty of very good books available about finance and investment.
  • Take a college course – colleges offer many courses on the topic. This is an excellent way to learn and the teacher can help with specific queries you might have.
  • Hire a mentor – bringing an expert in to teach you how to make the best use of your money has helped many businesses to continue trading despite financial problems.
  • Take a course on trading in currencies known as Forex – excellent courses are available to teach you how to trade Forex. It is the world’s biggest financial market and serious money can be made by experienced traders and quickly lost by the inexperienced. That is why you must learn how to go about trading before plunging in. The market is always open during the working week and trading is possible day or night.

Every business needs to take steps to invest some money and to do so using sound financial principles. You can protect your business financially by wise investing and also your own pocket.

 

 

 

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Core 2 Computing October desktop deals

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Core 2 Computing currently have, back to Uni/College, refurbished desktop PC deals running in store at the moment.

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These include system units from as low as £150 all preloaded with Windows 7 ( some have 10 if preferred ). All refurbished desktops come with 12 month Hardware warranty for added peace of mind. Also, there are laptop deals starting from as low as £170 ( while stocks last).

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Glentanar Court, Paisley – Cairn Housing Association

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Glentanar Court provides well appointed retirement housing for those over 50.  Situated in a well established residential area, convenient for the town centre, surgeries, local shops and supermarkets.

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Tenants enjoy use of  a communal lounge with a Social Group providing a range of activities many of which are open to family and friends.

Applications are welcomed for our ‘1 person flats’ and ‘2 person flats’ both offering recently fitted walk in showers within  refurbished bathrooms quality fitted kitchens.

Prospective tenants can call 0800 990 3405 and arrange a visit to Glentanar Court and have a chat over a cup of coffee about what we offer

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Hamishes Hoose upcoming events

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Paisley Development Trust’s Annual Bake Off is this Sunday, 1pm,  Hamishes Hoose.  There will be a raffle with great prizes and fun stuff for the kids. It’s always a great day oot so come along and bring your goodies. Free entry to all but £2 to enter your cake in the competition. Prosecco on special offer at £2.95 per glass.
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Our “Spree for all” events start on the 15th October with Live music from Heavy Load then there is the Comedy Gong Show on Sunday the 16th and Monday the 17th with the final on the Wednesday the 19th. Win cash prizes and develop your comedic talent or get Gonged Off!
Also during the Spree for all we have a right Mods night on Friday the 21st with the Turkey Nuts and The Sell Out a double bill of fabulous music and on the 29th We have live music from Epic a well respected Glasgow band who will really get you up and dancing.
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Paisley Pirates-preview

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Paisley Pirates go into this weekend’s local derby against North Ayrshire Wild buoyed by their 3-1 success at the home of the reigning SNL champions, Kirkcaldy Kestrels, last Sunday evening in a tight thriller in Fife.

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“We played very well against the champions,” said coach Ian Turley as he reflected on the match before looking forward to another tough looking local derby. “Once again, I was delighted that we kept calm and stuck to the game plan which saw us through, just as it had done the previous weekend when we came back against Dundee Comets. It gives us confidence to know we can play for 60 minutes, and it puts a wee bit of pressure on our opponents as they know they won’t get any respite from us over the course of the game.”

He continued, “Sure, as we anticipated, there were times in the match against the Kestrels that we were under pressure, you have to expect that when you’re playing against good teams. What was pleasing, though, was the way in which we dealt with those situations and came out the other side with a win. Our young team is getting better with every game and I’m pleased with the way the newcomers are settling in as if they’ve never played with anyone else.”

“This Sunday we have another challenge in front of us in the form of North Ayrshire Wild. We know they’ve got a good team assembled as they’ve already recorded a win and two draws against good opposition. They’ve got a talented squad, with a couple of former Pirates in their ranks, and they’ll be desperate to put one over us, and equally we’re very keen to put on another performance for our own supporters. I know the Wild will bring a good number of supporters with them so it has all the hallmarks of a noisy local derby, just the way we like them!”

“I keep saying this, and it doesn’t get any less true each time I do-if there’s a more value for money evening around than coming to watch the Paisley Pirates in action, I certainly don’t know about it. The word is getting about that we’re worth a look, and it’s a great family night out without breaking the bank to do it, so get yourselves along to watch us this Sunday at 6.00pm!”

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How your business can do more for charity

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In the current economic climate in the UK, it is obvious that charities need greater support. It can be difficult for individuals and businesses to focus on their own needs and also support others, but there is a great deal to be said for those who back worthwhile causes. In an area like Paisley in Renfrewshire, there are many fantastic local causes requiring backing to support the local community. In this regard, it makes sense for local businesses to get involved with helping charities.

A report undertaken at the end of 2013 by the Directory of Social Change suggests that business support for charities in the UK comes in at around £700m to £800m a year. This accounts for 2% of charity income in the UK. Given that individuals contribute around 43% of charities’ income and statutory sources offer 37%, it is clear that businesses could do more. The level of business support was calculated at 0.4% of pre-tax profits, which is less than the recommended 1%.

Why do businesses support charities?

There are many reasons why businesses support charities. The PR benefits that a company can receive from supporting good causes and providing funding to a charity can create goodwill and generate sales in the long term. There is also the fact that the publicity surrounding charitable deeds can generate more awareness of the company than traditional advertising or promotional methods.

Local and national news outlets won’t provide coverage of a business for its everyday activities, but a company supporting a good cause or a local community is a news story in itself. Quite often, the money spent by a business supporting a local charity is more than compensated for by the increased exposure and media coverage that the business receives.

It is also important for businesses to be aware of their local market and the need to be seen as a community-based company. While the rise of the Internet and social media makes the world a smaller place for businesses, it also increases local awareness. Companies can positively impact upon their reputation and attractiveness to consumers by actively supporting the local community.

Another very strong reason to support a local charity is that your employees will feel a stronger bond with your business. Many companies allow their employees to pick a charity to support, or they may provide backing to a charity nominated by employees or one that is close to their families. This is a fantastic way for a company to engineer loyalty and respect from their employees without having to pay higher wages or improve working conditions.

Depending on the sums of money involved, the charities that are being supported and the nature of the company itself, there may be tax benefits to a company in supporting a charity. This is something that individual businesses should examine and there are often local bodies that will provide further insight into this aspect.

The key benefits that a company can receive from supporting a charity are:

  • Potential tax breaks
  • Employee perks and benefits
  • Free promotion and publicity
  • Networking
  • Creating awareness and picking up new followers
  • Feeling energised or motivated from supporting a local business

The fact that there are so many benefits in supporting charities should ensure that businesses take steps to be more charitable.

Give funds or a portion of profits to charity

Charities always need financial support. Many companies run promotions stating that a certain percentage of their sales on a set day or period will be provided to a charity. This can drive traffic to your site or store and can increase sales, but it also supports a worthwhile cause.

It is important to realise that you don’t need huge sums of money to back a charity, every penny counts. An example of this is found in the work undertaken by Penny Appeal. In taking small change from a wide range of people and businesses, it actually raises enough funds to provide effective poverty relief support around the world.

Allow charity access to your premises to canvass support or raise funds

Sometimes, charities wish to get their message across in a more personalised manner. In this case, a company can help a charity by providing direct access to its audience and customers. Allowing charity workers to canvas or ask for support on your premises or website can generate significant awareness and backing.

Host an event in support of a charity

Many organisations host charity events, creating a fun evening that also provides funding and creates awareness of a local group or significant charity.

Volunteer at a local charity

On occasion, a local business can assist a charity more with its time than with its cash. If your workforce has skills that can benefit a charity, arranging time for employees to volunteer can be of significant benefit to a local charity group.

 

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How local businesses can revive their finance practices

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If you discover that your present way of keeping financial records is not giving you the financial control that you need to run your Paisley business effectively, it is necessary to revive your finance practices. This can give you better management, insight and greater survival rates. It is generally not difficult, especially when you give greater diligence to your money, and when you have the right software to simplify the financial processes you need.

Rearranging financial control

Putting your finances in order requires several things. The first and most important is constant and thorough recordkeeping. It is essential that you keep track of all expenditures and sales. You must know what money is coming in and how much money is going out at all times.

Once you have a system in place to record your transactions and expenditures, it is necessary to analyse the data. From it, you should be able to understand those times of the month when income is lower, as well as knowing when all your bills are due.

The importance of sound financial management

Having good data on your business income and outflow enables you to plan accordingly. You will be able to anticipate slower sales, and then know that you need to spend less during that time. Marketing should decrease at the same time, but increase when you know people are more apt to be in a buying mood.

Without good control of your finances, you are apt to wake up one day and find yourself in serious debt – and with no money to pay the bills. Ignoring it is definitely not going to help. You need money to pay the employees, buy more materials, pay yourself, pay the rent and utilities, and more.

How to revive your business finances

Getting your business back on track financially can be accomplished by following a few simple steps. The sooner you take these steps, the less time it will take to revive your finances. Waiting only lets the problem grow, which means that it will take longer to resolve. To get started, you will need to do the following things.

Choose the right software

There are many software accounting packages out there. Instead of buying one that you really do not need, or that costs too much, determine your needs for it, find one that will meet those needs, and then make your purchase.

Take time to learn the features and benefits

Being able to create charts and trends automatically from the software is essential to keeping your business finances under control. This can give you a quick glance at trends and see problem seasons. Once you have purchased the software, remember that it is only good if you know how to use it. Learn how to use all the features that will help you.

Get caught up on entering data

Once you know how to use it, enter in all your accounting data, and assign someone (or do it yourself) to maintain the records daily, or weekly. If you would rather not get involved in the finances, choosing someone else can enable you to have more time to devote to those aspects of the business that only you can do – focus on your strengths. As an owner, however, you do want to oversee your finances and get regular reports. Keeping your business finances under control depends on this, and it needs to be a priority.

Develop an invoicing system

Creating invoices is a very good way to increase your monthly income. Not only will you be able to tell how much money is owed to your business at a glance, but you will also know how much you can expect to come in. Adding interest and penalties on balances or late payments will provide an incentive for your customers to pay their bills on time, creating a better cash flow for you.

You can reduce the costs of sending out your invoices if you do it through email. It will save time, the cost of labour, printing and stamps, and it can also be processed automatically every month. To use an invoicing system that has everything covered, you can find a range of  invoice templates online.

Find money for savings

Reviving your finances should include having a way to prepare for contingencies. You can expect to have problems sooner or later that will force your business to close, or prevent customers from buying. It could be a natural disaster or an economic one – or even a seasonal one. Having some extra money in the bank is part of having good control of your company’s finances. It will be there during the slow times, providing you with money to get by and keep your business going.

Getting the right software and invoicing system can enable you to revive your finances and become a more stable business. Take action quickly with the right tools and it will also help take some pressure off of you.

 

 

 

 

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William Phelps Butchers – October special offers

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Special Offers this October are:
The Finest Rump Steak Mince £4.19 lb.
1/4 lb. Angus Steak Burger £1 each contains less than 5% fat
Low Fat Square slice Sausage contains less than 5% Fat £3.30 lb
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So why not pop along to Wm Phelps Butchers at 41 Causeyside Street , Paisley to see what is on offer.
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How to Adopt Good Spending Habits: 5 Top Tips

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How to Adopt Good Spending Habits: 5 Top Tips

 

Sometimes, it feels like the world is geared up to get you spending money. Relentless TV adverts, tweets from your favourite brands, and even text messages from your most loved retailers can make it really hard to not part with your cash. But there are a number of things you can do if you want to get better at spending. Here are our five top tips for better spending habits so that you’ve got a bit more cash knocking around in your current account at the end of the month.

 

  1. Plan your spending
    Do a bit of forward planning when it comes to your spending. If you know that your hair needs a trim, for instance, plan it for the following month once you’ve been paid so you know you can afford it. But if you’ve a dental appointment and a car MOT to cough up for in the same month, consider delaying that haircut until you’ve paid for the important stuff first! Planning like this will help you to think about what you spend your money on and help you to prioritise your spending too.

 

  1. Delay unplanned purchases whenever possible
    Another great tip is to put a bit of time between seeing something you want and actually paying for it. For instance, if you’ve caught sight of a great pair of jeans in a shop window (but didn’t plan to buy a new pair), then don’t allow yourself to head to the counter to pay for them. Instead, commit to giving it a week – or 30 days if you can manage it! Then, see if you still want the jeans. Impulse shopping can cause us to spend more than we mean to, and delaying purchases a bit might see you get better control over your spending.

 

  1. Don’t spend more than you have to

It’s inevitable you’re going to spend money throughout the month, but you can be smart about how much you spend. Reduce the amount of money you’re spending by buying things in bulk, shopping at cheap stores and supermarkets, and putting off big purchases until sale seasons. For instance, bed linen is often on sale in January, and electronics are reduced in spring. Also, consider switching over your debt too. If you’ve got a logbook loan or another form of finance to pay off, shop around and see if you can switch lenders to get a better deal so that you’re not spending more than you absolutely have to.

 

  1. Try to distance yourself from bad influences

Next, tackle the people or things who make you spend money! For instance, talk to friends who egg you on to buy things, or partners that aren’t committed to the same financial future as you. Remove shopping apps from your phone, log out of online stores so you can’t just buy things in a few short clicks, and make a deal with yourself not to use your lunch break for a spot of online window shopping. Go for a walk or read a book instead!

 

  1. Give yourself rewards for good spending habits

Finally, if you’ve been able to implement all these tips successfully, reward yourself! This could mean spending money on yourself, but if you really want to break that habit of thinking that spending equates pleasure, do something else to celebrate. Perhaps a movie night with friends, or a pamper session in your own home would be a nice way to mark the fact you’ve practised great spending habits and will do so again next month?