UNIVERSAL CREDIT BUDGETING
Universal Credit is a social security benefit that provides financial support to low-income or unemployed people in the UK. It aims to simplify the benefits system by replacing the six existing benefits with one monthly payment. These payments are intended to cover housing costs for applicants and their families.




Budgeting is an essential skill for everyone to enjoy Universal benefits. Managing your finances well can be difficult, as monthly payments are not made weekly or biweekly.
In this article, we will discuss some tips and tricks for getting the most out of Universal Credit.
Know your income
Before you create a budget, you need to know your income. Universal Credit is calculated based on a number of factors, including your age, whether you have children, your mortgage, an your income. The amount you receive may also decrease if you have savings or if you or your spouse are earning more than a month.

You should check your Universal credit report regularly to get an accurate picture of your income.
The report will show you how much you will receive and when it will be paid. It will also show you how your payments were calculated so you can see what has changed since your last payment.
Create a budget
After you know your income, you can create a budget. A budget is a plan for how money will be spent. It should take into account all your living expenses such as rent, meals, utilities and transportation, as well as non-essential expenses such as utilities, entertainment and entertainment.
To create a budget, start by listing all your income sources and all your expenses. You can do this on paper or with a financial statement or spreadsheet. Be sure to include regular expenses such as car repairs or medical bills, and set aside a portion of your monthly income to cover these expenses.....read full article onhttps://www.deembizz.blog/2023/05/universal-credit-budgeting.html

Starting up a bakery can be a rewarding and exciting venture. Here are some steps you can take to get started:

BAKERY BUSINESS PLAN 1. RESEARCH THE MARKET
Start by researching the local market to identify the demand for baked goods in your area, your potential competition, and any trends that may impact your business. You can gather this information by visiting local bakeries, conducting market research, and analyzing data.

2. DEVELOP A BUSINESS PLAN

Use the information gathered in your research to create a business plan. A good business plan should include details about your products and services, target market, marketing and sales strategy, operations, management structure, and financial projections.

3. REGISTER YOUR BUSINESS

Once you have a business plan, you'll need to register your business with your state and local government. This includes obtaining any necessary licenses and permits.....Read full article https://www.deembizz.blog/2023/02/bakery-business-plan.html

Family credit management involves relatives using loans to achieve financial goals while avoiding obligations and other financial hurdles. A successful family credit council requires a combination of financial resources, discipline and relationships. Some notes from the Family Credit Board.


Planning: An important part of Family Credit is that the Board creates an expenditure plan that takes into account all of the family's compensation and expenses. This allows families to see where their cash flows will go to identify areas where they can cut costs. Proper financial planning can help families prepare for major purchases and save cash for emergencies.

Credit Score: Relatives should understand the importance of maintaining a high FICO score. A good FICO score can help families meet all their needs for lower interest rates and financing visas, which can save them cash in the long run. To achieve a good FICO score, relatives should make regular payments, keep Visa transactions low, and try not to open too many new credit accounts at once.

Responsibility Committee: Relatives should understand the dangers of overwork. Greater responsibility can make it harder to meet financial goals and lead to financial problems if relatives lose their jobs or face other unforeseen costs.To meet obligations, families should first focus on eliminating excessive debts and try not to take on new obligations unless there are significant obligations.....Read full article on https://www.deembizz.blog/2023/04/family-credit-management.html

Credit management is an essential part of personal and business finance. It includes creative and responsible management of credit-related activities such as loans and debt repayments. It covers a wide range of financial applications, including debt management, credit utilization, maintenance, credit reporting and credit scoring. Good credit management is essential to achieving financial goals, reducing financial risk and maintaining a healthy credit profile.


In this article, we cover the board's core concepts, implications, and best practices.The process of obtaining and using credit effectively and managing debt effectively is called credit management. He needs to understand how credit works, evaluate credit worthiness, and make student loan decisions.

Credit utilization, credit monitoring, credit reporting, credit scoring and debt management are all aspects of credit management. Here are some important ideas about credit management:

Credit Utilization Ratio: The current percentage of credit used by the borrower is called the credit utilization ratio. One of the factors affecting the FICO rating is the mathematical description of the borrower's financial position. Lenders and borrowers use credit scores to determine the risk of lending or lending to borrowers. The borrower's utilization rate, or where he or she uses all of the loan, can have a negative impact on credit scores, as it can indicate financial stress or a credit crunch. It is generally recommended to use less than 30% of the loan for good management. This means that if the borrower has a limit of more than $10,000, he must try to keep his credit card balance below $3,000 to use his credit well. Through good credit analysis, borrowers can prove to be good credit, which can determine the impact on their FICO score and overall creditworthiness......Read full article on https://www.deembizz.blog/2023/04/credit-management.html

Below are some amazing business ideas/tips for nurses. You will also learn some basic steps on becoming a good nurse.


1.Starting a Home Health Care Agency: A nurse can start a home health care agency to provide medical care and assistance to individuals who are homebound, disabled or recovering from an illness or injury.

2.Wellness Coach: A nurse can become a wellness coach and help people achieve their health goals by developing personalized wellness plans and providing guidance on healthy living.

3.Medical Writing and Editing: A nurse with good writing and editing skills can offer medical writing and editing services to healthcare organizations, medical journals, and other publications....read full article https://www.deembizz.blog/2023/02/business-ideas-for-nurses.html

The English Premier League has already started and strikers are already lined up to start the race for the golden boot as usual.
Last season it was between a handful of strikers as many of Premier League forwards could not step up to compete for the golden boot. The race for the golden boot was between few strikers, Salah of Liverpool, Heung Min Son of Tottenham Hotspur and Cristiano Ronaldo of Manchester United.
Heung Min Son and Mohammed Salah scored twenty-two (22) goals each last season while Cristiano Ronaldo managed to score seventeen goals.
The golden boots were awarded to Mohammed Salah and Heung min Son who did their superb best to deserve the award, both had twenty-two (22) goals each.
This season that just started, there are some new things to talk about because a lot of changes has been done in the squad of various teams. The English Premier League Champions for last season (Manchester City) made some great changes into their squad that will still see them compete for the League title this season.
Here are strikers who have upper hands to clinging the golden boot.

1. ERLING BRAUT HAALAND
All of us know the king of beast Manchester City has got in order to see them leave at the Pinnacle as usual. The Norwegian is this kind of nightmares to defenders though he is new, however he is probably no longer the kind of striker who locate it hard to acclamatize......Read more http://www.sekannisport.com/2022/08/premier-league-strikes-who-could-win.html

Romelu Lukaku is apparently one of the biggest flops that has ever been in the English Premier League.

The Belgian dude had every opportunity to adapt to the system of the Premier League football, but he failed on different occasions.
Lukaku started his career from Chelsea FC academy before he was loaned out to Westbrom Albion. During his days with Westbrom Albion, he put on a master clam performance, which made Chelsea manager (Jose Mourinho) to rejuvenate interest in him. Romelu Lukaku has seventeen goals with Westbrom Albion before returning to Chelsea after spending a year at the Hawthoms. Lukaku then rejected Chelsea in the summer of 2012 after his loan spell at West Brom Albion had come to an end. He joyfully returned to London and started a new chapter with the blues, but his performances was not up to expectations of the then Chelsea manager, the person of Jose Mourinho.
Romelu Lukaku inability started when Chelsea played against Bayern in the UEFA Super Cup in 2013 at the Eden Arena, Prague. Chelsea and Bayern Munich both scored two goals each, that is 2-2 during the 90 minutes of play, and 0-0 in the extra 30 minutes (extra time), in which they had to go on penalty shootout.......Read more http://www.sekannisport.com/2022/08/big-signings-in-premier-league-that.html

As the 2022/2023 Premier League approaches, football lovers will be expecting a great performance from teams having prepared themselves for this lupcoming season. With all the great signings happening, football clubs are giving the best they can to enhance their team to produce outstanding squads as possible.
The English Premier League been known as one of the toughest Leagues in the whole world will be starting its League on 5th August 2022 as there are teams building their squads and will appear tough and outstanding this upcoming season.
Here we will be looking at teams that will pressure up and be on top forms in the English Premier League this upcoming season.

1. LIVERPOOL
The Reds having proved themselves as one of the best clubs in EPL has been on top form till date after they have raised three trophies last season (Community shield, Caraboa cup and FA cup) 2021/2022, which they have returned to their astonishing form by beating the Cityzens (Manchester City) in the community shield 2022/2023.......Read more http://www.sekannisport.com/2022/08/seven-teams-that-will-pressure-up-to-be.html

The summer transfer window has been very busy, lots of players have moved in and lots have moved out of the Premier League. Here we are going to look at players signed by each premier League club and players sold out, released and loaned.

1. CHELSEA
The blues have left go of some players this summer, and they have as well made some signings. Let's take a look at their ins and outs.

IN
Raheem Sterling joined from Mancity to Chelsea
Fee:€47.5 million
Eddie Beach joined from Southampton
fee;[undisclosed]
Kalidou Koulibaly joined from SSC Napoli
Fee: £33m
OUT
Romelu Lukaku left to Inter Milan [loan]
Antonio Rudiger left to Real madrid [free]
Andreas Christiensen left to Barcelona [free]
Danny Drinkwater [released]
Charly Musonda [released]
Karlo Ziger [released]


2. EVERTON
Merseyside is one of the clubs in the Premier League that have had a busy transfer so far, we take a look at what they have done so far.
IN
James Tarkowski joined from Burnley [free]

OUT
Richalison left to Tottenham
Fee:€60 million
Ceni Tosun left to Besikas [free]
Harry Tyrer left to Chester FC [loan]
Joao Virginia left to SC cambuur [loan]
Fabian Delph [released]
Harry Hagan [released]
Ryan Astley left to Accrington [loan]


3. LEEDS UNITED
Leeds United have however made money from sales of their key players this summer, let's take a look at their ins and outs.

IN
Tyler Adams joined from RB leipzing
Fee:€20 million
Brenden Aaronson joined from Red bull salzburg
Fee:€24.7 million
Darko Gyabi joined from Manchester city
Fee:€5 million
Rasmus Kristensen joined from Redbull Salzburg
Fee:€10 million
Marc Roca joined from Bayern Munich
Fee:€10 million
Luis Sinisterra joined from Feyenoord
Fee:€25.4 million

OUT
Raphinha left to Barcelona......Read morehttp://www.sekannisport.com/2022/07/premier-league-transfer-summary-ins-and.html