We are going to do a feature every week including the talented Kevin Mills who you can contact via They are based on folks from Glencoe so if you need subtitles then you have never been to the beautiful part of Scotland where people are very friendly but that doesn’t mean we can’t take the mickey out of fictional characters. Enjoy…


paisley from drone

It is always an exhilarating feeling when you move into a new house. Although these feelings come with many chores to be done rightly, some fixes can be done before moving, and some after you have moved in. To set things right according to your desire is the utmost work. There will be stuff to do, things to manage, boxes to unbox, utilities to set up and whatnot.  One of the main things you need to do is to hire an excellent tv aerial service to guarantee the best reception no matter where you live. Many companies offer same-day service throughout the UK, using their employed installers who have extensive experience within the aerial and satellite home entertainment industry, and more importantly, are local to you.

Today we are going to talk about the things that you need to do if you have moved into a new house. You must know that moving in can be enthusiastic, but if you do not take proper care, then the procedure after the moving can tire you out. An organized way is the best way to get things right. Let’s know how to be more organized after moving into a new house.

Be Organized and Prioritize the Task

Moving into a new house isn’t easy, as it takes a lot of time to unpack things and then place it to its allotted space. Managing your workplace and setting into a new home can be tedious, so it’s imperative for you to be organized and for that prioritize the tasks. Maintain a notebook write down the things which you must get done before moving or post moving. Prioritizing to-do list can speed up your moving process and also keep you calm too.

Inspect the House Thoroughly

Must visit the house 2-3 times before moving in, and inspect every nook of the house thoroughly, make sure you don’t miss anything like plumbing leaks, such drippy faucets or rusted damaged pipes. Make sure to check that there are no termites, rats or cockroaches, if you find any sign of them, make sure to wipe them out by contacting the best pest control companies around you. Also check the locks for safety, if you feel like you need to get the lock replaced or repaired, get it done on priority, also if your house is in an isolated area, make sure to install CCTV cameras. Check out the electric sockets; any open electrical outlets can be risky, so make sure to call an electrician for proper inspection. Also, you must know where the circuit breaker box and main water valve are installed, so that if in case there is an emergency, you know what to do.

Unpack Systematically Right After Moving in 

Nowadays all of us depends on movers when we want to shift things from the previous house to the new one. In the procedure of shifting and moving, things can go missing or damaged. If you have sensitive belongings with you like porcelain, earthenware or decorative, then make sure you check them right after moving in. Learn more about the moving companies that offer the best services, so that it can lessen your worries. You must inspect your boxes thoroughly so that if you find anything missed or misplaced, you can talk to your movers and packers right away.

Set the Utilities Right 

There is never a possibility of setting your new house right unless you have the utilities running. You will feel more relaxed once you are confident that the gas and water are running fine. Advanced heat line products like electric heat tapes are must-haves these days, especially if you are living in a place where the temperature goes in minus. Make sure that your house has a proper heating system. Get in touch with the heat line product maintenance service provider around you so things can fall into place.

Don’t Miss your Old Home

Although this is not physical work, it is emotional, and a must-have too.

You must accept the new space emotionally and help your kids out as well. Don’t miss your old house. It doesn’t matter how large or small the area you get. Sometimes it can be tough to let go of the previous house. Try to have a sense of belonging and thus connect or feel as if every single part of the house is connected to your soul. The one way through which you can accept your new space is by taking responsibility for it. Make sure you take care of it as you did for your old house. 

Get Your Kid Emotionally Ready for the Prospect of a New School 

Children can get into a higher level of anxiety when they get to know that they will have to change their school after moving into a new house. In such a scenario, parents need a new level of parenting. Make sure you are always in touch with your children, so they don’t feel alone. It is also essential that you make your kid emotionally ready for the prospect of a new school.

Arrange a meetup

You wouldn’t want to have an image of a creepy neighbour once you have moved into a new house. You have the chance of getting this image if you will not arrange a meet up after moving in with your new neighbours. Neighbours see everything, and they would want you to have a chat chit with them so they can feel comfortable around your existence. You need to do the same to have your level of comfort as well. Make sure you arrange a meet up with your new neighbours and get to know each other so things can get cosy from both sides.


Getting a new house is comfortable but moving in is not. We need to take care of so many things once we are in a new space. Make sure you do these things so you can have your level of comfort in your new space. It’s all about feeling good, and these things have the potential to get things right. 

council PCT partnership

The ongoing drive to regenerate Paisley town centre will be boosted through a new partnership between Renfrewshire Council and the group hoping to bring a new cinema to the town.

Paisley Community Trust (PCT) are taking forward plans for a new cinema on Paisley High Street as part of their wider aim of delivering community-driven economic regeneration of the town.

council PCT partnership

And the trust has now signed a strategic partnership agreement with the council to formalise the commitment of both parties to work together.

A strategic partnership acts as statement of intent, strengthening the links and communication between two groups.

The council has already piloted this approach elsewhere in Renfrewshire, and last week councillors gave approval to sign a similar agreement with Active Communities, who are building a new community hub in the former police station in Johnstone.

The PCT are evolving their plans for a community-focused cinema in the heart of the town centre, and with funding from Renfrewshire Council and Regional Screen Scotland, are shortlisting suitable sites and carrying out initial feasibility studies to explore their potential.

This would be ‘Project One’ to emerge from the Paisley Vision – an ambitious ten-year blueprint recently revealed by the council, Scottish Government and Scotland’s Town Partnership, which imagines some ideas for what Paisley town centre could look like in a decade.

The Vision considers how vacant retail space could be better used to meet what people will need in future – and suggests ideas including new homes for town centre residents and new community and leisure ‘attractors’ such as a cinema or continental-style food hall.

The agreement was signed by Renfrewshire Council’s leader Iain Nicolson and depute leader Jim Paterson, and the PCT’s chair Gary Kerr and deputy chair Andy Campbell.

Cllr Nicolson said: “The council’s job is help make Renfrewshire a place where communities and businesses can thrive – but we recognise we can’t do that on our own.

“That can only happen by working with community groups who share our aims and by supporting them to deliver on theirs, and there are a number of current initiatives intended to strengthen that.

“The council and the PCT share a common goal to help bring new life to Paisley town centre and their plans for a new High Street cinema could complement the work we are already doing to transform Paisley’s future through investment in our historic venues and outdoor spaces.

“This agreement helps formalise that commitment and we look forward to seeing how we can support the trust to deliver on their ambitions.”

Gary Kerr of the PCT added: “Paisley Community Trust have been working with our local communities for a number of years to deliver community-focused leisure-led regeneration projects to the town.

“’Project 1’, the cinema project is a culmination of these years of work and refinement. We were delighted to be part of the Paisley Vision research and to make a strong case for the inclusion of cinema in the long-term plans and we are delighted to see its adoption as a vital component.

“Community-focused cinema has such an important role to play in the town. It can reconnect socially isolated groups such as pensioners. It can provide accessible, autistic-friendly viewing options for children with autism and their parents.

“It can educate and deliver resources to our young people to allow them to tell their own stories on film. Vitally it can provide considerable footfall in the town, delivering an economic boost for our local traders.”

Renfrewshire Council is currently overseeing a once-in-a-generation £100m investment in Paisley town centre, including the transformation of Paisley Museum into a world-class destination and keeping Paisley Town Hall at the heart of local life as a landmark entertainment venue, bringing huge volumes of new visitors to the town.

bookbug bath

WATER lot of fun there was for the babies and toddlers who came along to Renfrewshire Leisure’s first Bookbug in the Bath sessions.

Instead of the usual setting of a local library, there were four popular Bookbug sessions held in a swimming pool.

bookbug bath

Children had a splashing time when Bookbug came to the pools at Paisley’s Lagoon and the Johnstone Sports Hub. And there was even storytelling, nursery rhymes and songs in Gaelic at one of the sessions.

Chairperson of Renfrewshire Leisure, Councillor Lisa-Marie Hughes explained: “We know that children love coming to our usual Bookbug groups and they also like splashing about in the water at our swimming pools.

“So we thought we could combine the two fun activities and it worked very well, as both the children and the grown-ups had a great time.

“We also staged a Gaelic Bookbug in the Bath session, as there’s a growing interest in the language locally and we already have Bookbug in Gaelic in our libraries.”

The Bookbug in the Bath sessions were held to coincide with Paisley Book Festival.


Jewellery and ornaments are the exclusive add-ons in the personality that women love to have. It was in trend from a long time back, different metals, stones, pearls, and other precious items are used to make jewels. It offers great coverage and suits a lot. The trend of wearing jewellery on occasions like festivals, event and celebrations are always higher. Different gemstones were used in different stylish cuts that look appealing and make it more presentable.


Previously the handmade jewellery considered more precious. By the time new techniques and method take their place to offer sleeker fitting and crafting. But Klenota jewellery still offers handcrafted and striking designs that offer a more attractive outlook. It can be the best addition to have on the wedding celebrations, presentable gift for anniversary and enhance the overall looks.

Why go with handcrafted choice?

If you are looking for the gift options or want to get the one for the wedding celebrations. A handcrafted piece of art is the perfect and more sustainable option to have. It is a source to praise the art and craftsman effort as well. Moreover, handmade options are more sustainable. Because there is no need for massive material or energy consumption.

Here are some impressive add-ons you can enjoy by getting the one handcrafted piece:       


  • Unique design


One of the best things in crafted jewellery is design and crafting. It reflects the true picture of the effort made by the craftsman that put to turn metal or raw material into a unique artwork. Most importantly all the work is done without the use of any machine or mass production. It reflects the talent that craftsmen have and shown in the unique piece. Due to the unique and eye-catching design, it is considered an investing option to have as a gift for the loved one.   


  • Traditional outlook


In the crafted ornaments you can experience the impression of the traditional outlook and cultural ambience. It shows the striking thing for the buying. Women always appreciate the traditional styles in ornaments. It offers elegance, style and offers an impressive addition in overall appearance.   


  • Most expensive


As compared to the one who is made through the machines, a traditional handcrafted piece of jewellery looks more expensive. It is a refined piece that reflects someone’s effort, time and dedication to transform into a valuable thing. Handcrafted jewellery especially the traditional one sole at the expensive prices. Because of the sleek cuts, motifs, definition and refined cutting. All are done with hand tools.


  • Material choice


In the handcrafted jewellery material is no compromised. Instead of the ornaments manufactured at the factories are found with an excessive amount of unwanted or raw metals. That makes it hard to find out. But with the handcrafted piece of art, only the pure metal stuff is used to transform a particular shape. Due to good material choices, the items are more sustainable and of high quality. only with the quality, they can stand for a long period.

Handcrafted: a way to support the business

Choosing the handcrafted jewellery offers great quality and a sustainable piece that stand long. As well as its unique design can make it a perfect addition to present someone on a special occasion. Moreover, praising the handmade options is a source to promote the small business at the local level. They offer high-quality material with durability. Instead of the large production scale, at a small level, it is easy to offer a more elegant and high-quality piece as a perfect addition.

Handcrafted items are truly a reflection of the culture and values. Women love to wear different ornaments especially traditional and culturally crafted ones. They are made with the aesthetic techniques and offers complete coverage over the culture and tradition as well.

Jewellery a source to show love & affection

For a long time, back jewellery made with metals, pearls, and gemstones considered valuable. Women wear them on different occasions and celebrations to look good. With time the trends are bit change but women still like to have a perfectly crafted ring, neckless and many more. It offers an elegant or decent addition to the overall outlook. As well as reflect the working or the craftsman.

The trend of the machine-made articles is getting higher. But still, the people who know the worth of crafted one always looking for these articles. It shows the purity and effort that someone put on to made an extremely outstanding ornament.

If you are looking for the ring or complete jewellery set for the loved one. Then it is preferred to get the handcrafted one. They are pure in quality, different in design and show the traditional reflection, through which you can show a more appealing impression on your loved one. Even for the wedding jewellery, traditional and handcrafted are the trending and desirable options. so, whether you are looking for a gift for girlfriend, wife or for mother. The crafted option is more appealing than any other.         

Jewellery from the old town

An aesthetically designed traditional jewellery is a perfect piece of art that someone loves to buy. Whether it is available at the nearest store or a person has to give the order to get one. They are more expensive because of the design, material, and efforts of a craftsman that involves refining the article. Moreover, the striking options are not specific to be wear at the parties or specific occasions. They are designed in a way to carry in a regular day.

Even online you can find the companies who are still offering multiple design options. they customize the jewellery for the customers as per preferences and offered the handcrafted one. Whether you can go with the engraved design, peal fitting or gemstone, it will be suitable to carry at home, office, parties or different festivals. So, search the options and get the right article to have as a perfect add-on.        



Planning out your approach with your kitchen renovation project can be a stressful and daunting task. You may find it challenging to choose the design of your kitchen and match a suitable theme for it as well. But the most difficult task could be budgeting your funds to cover the renovation costs and additional expenses. Know these eleven useful tips when doing kitchen renovations.

  1. Plan the layout of your kitchen

The kitchen’s layout isn’t only the size or shape of the kitchen interior, but the designation of the respective sections of the kitchen. Carefully planning out your kitchen layout will help you to get a glimpse of the available space that you can work with. It will also let you decide on what type of kitchen design you are going to use.

  1. Method of payment

Know how you are going to pay for the renovation costs and expenses. Determine your mode of payment, whether it will be through monthly payments or if you’ll be paying upfront. Determining your method of payment will also help you know where you’ll be getting the money that the budget will be comprised of.

  1. Set limits

Everything and anything will take a toll on your budget. So, it’s better to set some limits on the things that you’ll be spending on. Limiting your budget means that there is a specific threshold on the amount of money that you can spend for a particular item.


  1. Create a record of your expenses

Having a record of your expenses will help you keep track of your spending. It will help you trace back and assess your budget and how much will be left. You can do this by writing down your expenses on a sheet of paper. You can also create a checklist so that you can visually see your progress.

  1. Prepare for unwanted accidents

Even if you planned well and have a structured approach with your renovation project, there will always be unforeseen circumstances waiting to happen. The best course of action is ensuring your safety and maintenance of the kitchen. If your kitchen is situated at a higher level in the house, then it would be best to get a Cherry Picker hire Lincoln company to get the job done right. These small cranes with elevated platforms will help workers to perform installation with ease. It would also help to avoid damaging certain areas in the kitchen during renovation.

  1. Look for alternative living spaces

The last thing that you will need is another place to stay for a while. Renovations are noisy with power tools and equipment always hammering away demolishing floors and walls. It may make it hard for your family to tolerate. So, prepare for the inconveniences that the renovation will make by looking for an alternative living space.

Remember to hire professionals to handle the situation to avoid additional expenses for unwanted accidents. Also, apply these tips to save money on your budget!




Despite the worries about e-cigarettes in the United States, the experts and researchers at Public Health England and the Royal College of Physicians are maintaining their claim that vapour is at least 95% safer than smoking. In the US, an outbreak of lung illness was initially blamed on vaping. Eventually, the CDC determined that the actual cause was vitamin E acetate found in black market THC oil. However, the CDC is still advising against vaping.


The chaos in the United States has caused vape users to go back to smoking. Mig Vapor, a US-based ecig store, is one of the independent American e-cig companies that have been fighting back against flavour bans. “Flavours are not the issue,” a company spokeswoman said “the issue is the THC oils made by drug dealers as well as the misinformation coming from the media. The uproar caused by inappropriately blaming e-cigarettes is effectively driving people back to cigarettes.” 


She went on to explain that the UK is taking a much smarter approach to vaping. In fact, unlike the US, we limit nicotine content but embrace using vapour products as an alternative to smoking cigarettes. The UK government sees electronic cigarettes as a key part of reaching the goal of ending smoking by 2030.

US Crisis Leading To World-Wide Suspicion

In January, the World Health Organisation issued a new health warning regarding e-cigarettes. WHO expressed doubt that vaping is an effective means of quitting smoking. They cautioned that e-cigarette vapour is not safe and the lack of long-term studies is a reason for smokers to avoid using a vapour device. Instead, WHO advises smokers to use nicotine patches, gums, or quit-smoking medications.


UK researchers did not take the WHO warning lying down. Peter Hajek directs the Tobacco Dependence Research Unit at Queen Mary University of London. Hajek said that WHO has a history of anti-vaping activism that is damaging the organisation’s reputation. Hajek said, “Less than 1% of non-smokers become regular vapers. Vaping does not lead young people to smoking.” Hajek went on to say, “There is clear evidence that e-cigarettes help smokers quit.”


Hajek was certainly not alone in his criticism of the WHO statement. John Britton is the director of the UK Centre for Tobacco & Alcohol Studies and one of the authors of the original Public Health England study that deemed vaping to be at least 95% safer than smoking. Britton said, “WHO misrepresents the available scientific evidence.” Britton stands by the claim that vaping is indeed safer than smoking.

Smoke-Free By 2030

England has set a goal of being smoke-free by 2030. Health officials in England view vapour devices as one of the means to end smoking. In Scotland, the government has set an ambitious goal to create the first tobacco-free generation by 2034. The goal is for kids born after 2013 to grow up smoke-free leading the way for a tobacco-free Scotland for generations to come. Scotland is one of the few countries in the world aiming to raise a tobacco-free generation.


Smoking is the number one cause of premature death in Scotland. It is estimated that smoking leads to 128,000 hospital visits every year costing the NHS more than 300 million pounds. Worse, 10,000 Scots die from a smoking-related illness every year.


Currently, vapour products are available to Scots. In fact, there are several vape shops in Paisley. You must be at least 18 to purchase. Anyone who looks under 25 must show ID.

Should You Vape Instead Of Smoke?

The pros and cons of vaping are much in dispute. The United States, the WHO, and others have taken a harsh view of vapour. Many countries are enacting strict laws to discourage the practice. But in the UK the approach is much different. Public Health England is more adamant than ever that vaping is safer than smoking.


Here are the basic facts about vaping to help you decide who to believe. We know for a certainty that smoking is deadly. Starting chemically treated tobacco on fire is obviously not good for you. Contrarily, a vapour device heats a liquid comprised of nicotine, flavour, and VG or PG to the point of vapourization. That means no burning occurs with e-cigarettes.


VG stands for vegetable glycerin, which is a liquid derived from palm plants. VG is used in everyday items including foods. PG stands for propylene glycol, which is a common substance used in everyday items like shampoo and even toothpaste. Ideally, the only thing any of us would ever inhale would be crisp, clean air. But the real question is whether or not it is better to breathe in smoke or vapour.


At the end of the day, we look forward to future generations not using any type of tobacco product at all. But until then, anything that can prevent 10,000 Scottish families from losing a loved one every year should be applauded.


Image from pixabay


One of the influential things you can do to save your environment, community, and home is to carefully decide on a rubbish removal company. Be mindful of who you hire to collect unusable and undesirable materials. In case you have already decided on a rubbish removal provider, then consider the following factors before finalizing everything.  

#1: Quick & Reliable

You must acquire services of a well-reputed rubbish removal company that can offer low response time. The rubbish removal London delivers cleaning services on the same day basis and provides 60 minutes response time within the M25. An efficient rubbish removal company is capable enough to take proper care of everything without any delays. Thus, once you have made a request on your end, a rubbish removal company must be able to deliver services within 24 hours to 48 hours. It is one of the qualities that you need to consider when deciding on a rubbish removal provider.

#2: Environmental Friendly

The No.2 on my list comes the environmental friendly aspect of a rubbish removal company. You must remember that when a rubbish removal provider takes all the unwanted and unusable material to the landfill site, it has the power to negatively influence your environment. The responsibility lies on your shoulders to check on the environmental sustainability preferences of a service provider. Don’t feel reluctant to ask your rubbish removal provider about the employed wastage removal and recycling procedures. Understand and encourage the effective waste management strategies of a provider that can have a positive influence on your environment. 


#3: Experience

You need to remember that experience matters a lot when it comes to gaining help from a rubbish removal provider. Obviously, a company with a long history of rubbish removal services can ensure best strategies to lower the response time, save the environment, employ recycling methods, and deliver high levels of customer satisfaction. Hence, you need to acquire services of a reliable service provider like Clearabee. Perhaps, you have already heard that experience speaks a lot about a provider’s goodwill and market reputation. Therefore, I would suggest you search online, read reviews, and go through the customers’ feedback on the official website of a rubbish removal company. This way, you are in a superior position to pin down a few names that can work best for you.

#4: Affordable

I would again recommend you to go online and shortlist a few rubbish removal providers based on the services and prices offered by them. This way, you can better evaluate a service provider who can go well with your specified budget. You may find that for average service providers, the prices are a bit high, but the services will be worth the money. A reputable rubbish removal company has to offer several packages depending on your restricted budget. You can even get a free quote before you actually get to benefit from the services. Hence, it is suggested to get a few price quotes from different service providers before making a final decision.  

#5: Deals in All Kind of Waste

Lastly, on my list, it is significant for you to decide on somebody that deals in all kinds of wastes to save yourself from future hassle. Typically, waste is classified into five main forms. These comprise solid rubbish, liquid waste, recyclable material, organic waste, and harmful garbage. Make sure you separate waste according to these identified types and hire a service provider who can ensure appropriate waste removal techniques. A qualified rubbish removal provider deals in all kinds of waste except for the hazardous rubbish as it requires proper processes to break down the risky materials. 

Mill Magazine
Over its short time in existence, Mill has grown to become the preeminent culture and lifestyle magazine for Renfrewshire. A free bimonthly, compact-sized and dynamically constructed publication, the title showcases the best people, artists, businesses, events and developments from across the region.
Mill Magazine
Bustling with engaging content that encompasses music, film, TV, fashion, beauty, travel, food and drink, interiors and property, the magazine represents the increasing vibrancy of the area and acknowledges that just as there isn’t a singular demographic that lives here, our magazine’s content should echo the broad spectrum of people that we encounter every day.
Outside of our core team, Mill also plays host to professional guest contributors who can lend their expertise to an array of pertinent topics.
A publication that prides itself on being For Renfrewshire, By Renfrewshire, on average, 6,000 magazines will reach 18,000 to 24,000 readers and potential customers every issue.
New issue out at the end of February.
tiger woods

tiger woods



Trying to get better at golf often proves more challenging than you would expect. You keep working on your swing and get the best clubs and gear in the market, but for some reason, you still have a hard time with the learning curve. This is usually because people approach learning and improving in golf the wrong way. They pay attention to the insignificant details, and they direct their effort to the wrong places. The key to getting better at this game is having the right course strategy, which would differ from one game to the other. You also have to know how to navigate a golf course, which is as equally important as having a strategy.  


Use Google Earth 

If you’re new to the world of golf, you might find this tip a bit weird, but it is one of the most efficient golfing tips to understand the course navigation. As a player, it is important to know the yardages to the different targets so you could adjust your game plan accordingly. While there are different ways to do that, using Google Earth Pro is one of the better options out there. Using this software, you can get actual distances and yardage using satellite imagery, which will significantly improve your gameplay. Just open Google Earth, and look for your golf course, zooming in on the different holes until you can figure out the distance and just how much power you need to put into your shots.



Get a Rangefinder 

Google Earth is great, but it can be unreliable at times, especially if you have connection problems. This means you might not be able to get the accurate distance readings you want, and that will affect your shots. As you can see on, your best choice is getting a golf rangefinder. It gives you instant and accurate readings without having to access software or zoom in. Using this device, you could accurately measure the yardage and get the readings you need. More importantly, a rangefinder has a very cool option of letting you get slope settings. This means you can find out if your shot will go uphill or downhill, and that is something you will need to adjust for, so it’s definitely a very cool feature to have. 

Understand the Land Topography 

Call it navigation knowledge or golf strategy, but understanding the course topography is crucial if you want to get good at this game. You need to know where the water hazards are, and the exact distance to each of them using one of the above-mentioned solutions. You should also do the same with bunkers and out of bounds stakes. This will help you plan your shots more accurately around the terrain. 


One Shot at a Time

This is arguably the most important tip you will get about your golfing strategy. You need to pay attention to one shot at a time, whether that is a drive, putt, or a lay-up and approach. So, take only the shots that you are confident that you can make, or else you’d be just wasting your time. Invest your energy and focus on making those shots that you know you could make, and manage your game accordingly. 

Plan Ahead 

Most non-players don’t know this, but golf is a planning game. You need to plan your strategy way before you start hitting the ball. You can’t just go out there, start hitting the balls and hope for the best. You need to have a strategy in place. Decide which holes you’re going for and using what clubs. Measure the distances and calculate how many shots it will take you to finally reach your goal. It is small details like this that make the difference between a good golf player and a poor one.

Pre-shot Routine

Planning aside, you need to have a pre-shot golf routine. Some experts even say it is the most important aspect of your game because without it, you will miss and you will not be able to focus. You simply need to have a certain routine in place and exercise that routine every time you are about to hit a shot. Work on your breathing, relax your muscles, and envision where you want to hit the ball. These might seem like trivial steps to you, but they actually make a lot of difference in your performance. 

When it comes to golf, you have to keep going. It won’t always be easy, and the learning curve is anything but simple. But the more you practice, the better you will get. Just make sure you have a good understanding of golf course navigation and strategies.

paisley from drone

Before you start paying your dues, there are some considerations that you should make. Some arrears are given more consideration than others for payment. Also, you should consider what you have to settle deal with debt collectors, what you need, and what you are anticipating to have or get. Once you have figured all your debts, you should consider the following:

  • Paying debts with colossal interest rates

Arrears with colossal interest rates accumulate very fast. If you have such dues for a long time, they sum up to huge figures. They may go beyond your ability to repay. It is usually economical to pay such arrears first.

Some debts, if not paid as agreed, will land you in massive trouble. Such arrears always have a fixed timeline and failure to comply leads to very harsh penalties. You may even find yourself behind bars or losing one of your favourite or precious belongings. Such liabilities may include mortgages or child support. You should consider paying such liabilities as soon as possible to evade the penalties.

  • Paying debts to people who you want to retain a good relationship with

Some organizations or creditors are those you want to keep a good relationship with. Maybe for future assistance or how willing such an organization was when crediting you, you will consider keeping a good relationship with them to payback gratitude shown.

  • Small debts

Paying off small arrears withdraws pressure and motivates you to pay larger debts. They ignite you to start on repaying the big arrears. Paying off small debts help improve creditor’s trust in you. Therefore, clearing these arrears will put you in a better position to receive credit in the future.

5 Steps to Close Your Debt

  1.  Identify your debts

Before you start paying your debt, first you need to identify the arrears that you have and how much they accumulate to. Arrange them from the one you owe most to the least liability, from the urgent liabilities to the least urgent ones. Identifying your arrears will help you prioritize on which arrears to pay first.

  1. Balance your budget expenses

You will also need to plan and reduce your budget to a sustainable amount. You can reduce the entertainment fund, for instance, gamblers who like to play at online casinos may switch to low wagering casinos and save money and still have fun. It is also advisable to stop amassing more debt, no matter how good your plan is, you cannot stay debt-free if you continue adding more debt to existing arrears. Just live within your budget limits.

  1. Identify the resources you have

After listing all the debts you have, the next step is planning on how to pay them back. So, you have to identify what you have to pay them. You should list the amount of money you have at hand, the amount at the bank as well as money other people or organizations are owing you. This will help you to know if you have enough or less at your disposal. Depending on the resources you have, you will decide on how and which liability to tackle.

  1.   Decide which debt to close first

You may have more than one debt that you need to handle. It is wise first to handle debts that will give you a massive boost from an economic perspective: it may be liabilities with higher interest or principal. For instance, You have £1000 debt with an interest rate of 5% and another loan of £100 of a simple interest of 10%, it may be wise to pay the £1000 loan even though it has lower interest rate compared to  the £100 credit because it will accrue higher amounts because of the huge principal amount. You may also consider paying the debt, which you may want to keep a good relationship with the creditor maybe for future borrowing or refinancing your arrears by borrowing a low-interest rate debt to clear a high-interest liability. This step is essential because it helps you decide which and why to pay the debt.

  1.  Tap into your extra income

Try to tap into your extra income if you have any or look for extra revenue-generating activity if you do not have one. Salary may not be enough, paying dues and sustaining yourself with the same wage may be impossible. This can help you to pay off your arrears faster. You can also consider selling stuff that you do not need to add more cash.

Final Thought

Debt is prevalent among many people. The process of settling your arrears may be complicated if you do not plan properly. First, you need to analyze your debts to decide what to pay first. Once you have determined your arrears in their level of priority, you can then follow the abovementioned procedure to help settle your debt.

Go Kids

Go Kids – The Diane Mitchell Music School

Go Kids
For kids age 7 – 13 years!
Learn ukulele, Sing and make friends. – with Disney songs, Pop, Musical Theatre and more!