Guide to Washing Machine Repairs: Who to call when you broke your washer

Home appliances are already part of Australian households’ lives. We understand that without them, it would take a lot longer to get most of our household chores done. So with that in mind, many of us try to ensure that we have these technologically advanced tools in our houses that will hopefully stand and function for a long period of time.

washing machine repair
Washing machine repairman

However, the problem with these appliances is that they require regular maintenance to keep their performance level up. This is a real challenge especially for those who spend most of their day outside of their homes and have a lot of other tasks to do.

One of the appliances that require proper maintenance in order to stand the test of time is the washing machine. Owners must know not only how to use this equipment, but how to properly maintain it as well. So if you are a washing machine owner, you need a washing machine repair guide out to know what to do when your machine suddenly breaks. Washers are arguably the most used appliance in any home. To ensure that your family have clean clothing, they need to withstand a lot of use on a daily basis.

Just like any other appliance we have at home, washing machines can break anytime especially if used improperly. Luckily, learning how to repair your washing machine could save you a lot of money and that knowing how to properly maintain your appliance could prevent simple issues from occurring.

When their washers break down, people normally go to their favourite Perth local appliance store and get a new one. However, the same problem could arise in the future, which means they will be in the same position all over again. What they do not realise is that repairs can actually solve their problems–whether DIY or using the help of a professional washing machine technician.

Of course, many of us are not technically minded with electronic repairs. When our washer breaks, we probably do not know where to start or even determine what is wrong. Luckily for those who have no confidence with their DIY washing machine repair skills, you can simply call a trusted repair service provider to do the job for you.

The biggest mistake women make when starting a business is undervaluing their work

More and more Aussie women are starting their own business nowadays. It has become a certified trend and most of these women switch careers in their midlife.

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Female entrepreneurs

Australian women these days are more aware of the opportunities for entrepreneurship in their lives. Starting a business is becoming more of an option for a career move that it has ever been in the past. In fact, according to the data on female entrepreneurship, the number of female business owners has doubled over the past three years.

However, women are still facing certain gender inequality issues including in business. The key for this is mindset – women should not think about their self just as a woman because you are not just a woman, but a startup entrepreneur. That supersedes any other identity that you have. The time you put another identity above that it becomes a limitation for yourself. This puts a limit in your own mindset, and in your own perception of your abilities.

If you want to become a lady entrepreneur, think of yourself first and foremost as an entrepreneur; not as your nationality, not your gender, nothing. You need to be more courageous in talking to people and reaching out to them. Today, you can use a lot of tools including social media and the internet as a whole.

Another problem for some female entrepreneurs is they struggle on pitching for funds. Some women feel intimidated when in front of investors. There is a lack of confidence because it is such a male-dominated ecosystem and a lot of younger females are intimidated.

To overcome this feeling of insecurity, you need to open up your story. This is a great way to sell your plans and visions about your business. Let them know about your goals and the corresponding plan of action in order for your goals to be achieved.

For more on this topic, check this out:

Building an emergency fund

So you’ve finally paid off your debts, finally! Now, perhaps the smartest thing you can do is to build an emergency fund. This will help you be prepared financially and emotionally, and it can also avoid being in debt in the future.

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Emergency fund

Even if you are finally out of debt, except for maybe your mortgage, emergencies can still happen and you need to be prepared. Your house may need a new roof or fix a broken window. Your car may break down and need a new tire. To avoid going back into credit card debt you need to build up a cash cushion. An emergency fund, or also known as rainy day fund, can be helpful.

Professional financial advisors would agree that after meeting the basic everyday living expenses, the emergency fund should be your next financial priority. For time of crisis such as loss of a job, a major illness or an accident, you can use your emergency fund as an easily accessible source of money.

What’s the purpose of your emergency fund? Its purpose is to improve your financial security so that you can meet sudden unexpected expenses and at the same time reduce the use of credit cards, high-interest debts that is often used as a last resort. Use of a credit card creates an additional burden. That is why you should not use the fund to buy a car or for a holiday tour. You should use it only in case of emergencies.

The first step to saving for an emergency fund is by starting small. If you do not have an emergency fund at present and find it difficult to create one, always start small. Accumulating three to six months of expenses will take some time.

For more on emergency fund, read this interesting blog post from ASIC:

Facebook Twitter LinkedIn Email Print Business finance and loans

Eventually, your business will probably need access to capital through financing. In fact, even many million-dollar worth companies routinely require capital infusions in order to meet their short-term obligations.

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Financing your business

If you are a small business, it is important to find the right funding model. Take money from the wrong source and you may lose part of your company or find yourself locked into repayment terms that impair your growth for many years into the future.

But before that, you first need to know what debt financing and equity financing are. Mortgages, auto loans, educational loans, and other kinds of loans are forms of debt financing. Business loans also work in the same way. Businesses can borrow money from banks and financial institutions. Although it is possible for private investors to offer it to entrepreneurs, this is not the norm.

How to loans work? First, you go to the lending institution or bank to apply. Once the application has been completed, they will check your business’ current debts or financial standing. Or if your business is just in its earliest stages, the bank will check your personal credit. Then they have confirmed that you have good financial standing and agree about the terms, interest, etc, they will now grant you your loan.

On the other hand, equity financing comes from investors, often called venture capitalists or angel investors. A venture capitalist is often a firm, rather than an individual. The biggest advantage is that you do not have to pay back the money. If your business enters bankruptcy, your investor or investors are not creditors.

While you don’t have the risk of being unable to pay your debt, the disadvantage of equity financing is that it involves giving up ownership of a portion of your company. The smaller and riskier the investment, the more of a stake the investor will want.

Learn more about business financing here:

How to make your own natural DIY cleaning products

For most people, keeping their home clean is a top priority. Sure, living in a home where everything in place, clean and clutter-free reduces stress and sickness as well.

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DIY cleaning products

Unfortunately, most cleaning products available these days are expensive and full of dangerous ingredients. You can ensure that your home is fresh, clean and disinfected with safe materials by making your own cleaning products. There are a number of advantages to making your own cleaning products, or also known as Do-it-yourself (DIY) cleaning products.

First, the main advantage of DIY cleaning products is that they are safe. DIY cleaning products are made of ingredients that you already have in your kitchen cabinet. Hence, they are safe to use for you and your family. Unlike when you use traditional cleaners, wherein don’t work as they should, so you have to combine them to improve their efficacy. But traditional cleaners are loaded with harmful chemicals, and combining them can cause a harmful reaction.

Did you know that air quality in most homes is worse than the air quality outside? According to certain researches, indoor air might be two to a thousand times more polluted than the air outside. One of the main reasons for poor air quality is the fact that harmful cleaning products emit volatile organic compounds (VOCs) that don’t leave your home. So when you use DIY cleaning products, you stop polluting your home, which leads to the improvement of the air in your home.

Nowadays, natural cleaning products are so expensive. Compound the cost with the fact that you have to use specific products on certain surfaces and you could blow your budget easily. Meanwhile, making your own cleaners will save you a lot of money since you don’t have to buy its ingredients.

Do you want to know how to make your own cleaning products? Check this out:

Why hiring for experience can help your startup change the world

Hiring employees for your small business may sound a simple task. Besides, there are so many young professionals out there looking for jobs but are unable to land one due to poor economic conditions.

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River City Labs chief executive Peta Ellis. Source: Supplied.

Yet, the truth is, hiring employees (especially for your startup business) is never an easy task unless you are extremely lucky. It is important for every startup business to hire those that are most qualified employees not only skill-wise but character-wise as well. Keep in mind that your employees can make or break your business.

As a startup, hiring should not just be for the purpose of filling up new positions. Every candidate you hire will play a significant role in building the culture and future of the company so you need to make sure that they align well with your ideas and missions.

When hiring a candidate, you should not only look for years of experience, graduate degrees and track records. Though these factors are also vital to consider, efficient hiring also involves knowing the clear purpose of where your small business would like to be, will be able to make the first few hires successful.

While conducting job interviews, it can be easy for some applicants to display confident answers in interviews, eventually winning the hiring manager over, but what’s more important is the demonstration of their skills to know how valuable they can be.

Have your candidates undergo an actual work situation where they need to complete a specific task, with only a few directions to guide them. Doing so will reveal how they will navigate tasks, whether they can take initiative, and if they will go that extra mile.

With such tests, you can determine who among your employees are experienced and can play a vital role in your business. Why hiring for experience, means a lot? Read this to find out why:

How to do a budget | ASIC

Do you feel you don’t have enough money to do everything you like to do? Then, you can use a budget plan to prioritise your spending and focus your money on the things that are most important to you.

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What is budgeting? It is the process of creating a plan on how you are going to spend your money. Budget is what you called this spending plan. You need to create a budget so that you can determine in advance whether you will have enough money to do the things you need to do or would like to do.

Having a budget is important because it allows you to create a spending plan for your money helping you to ensure that you will always have enough money for the things you need and the things that are important to you. Following a budget or spending plan will also keep you out of debt or help you work your way out of debt if you are currently in debt.

Budgeting can help you avoid overspending. Without a budget, your spending power in the future will become poor as more and more of your salaries have to be applied to debt payments. If you are worried about restricting your spending, consider what it would feel like to have the majority of your paycheck be applied to credit card payments.

Private individuals are not the only ones who can make use of budgeting to their advantage, but businesses as well. Budgets are important for evaluating the performance of your company over the course of the fiscal year. Part of budgeting responsibly is tracking actual revenue and expenses and comparing them to what was budgeted.

For some, budgeting is so difficult especially those with low income. But the truth is, it can be a lot easier. Here’s how:

Pinterest launches expanded video features for Creators and Businesses

Many businesses have discovered Pinterest as an excellent tool to promote their businesses online. But unfortunately, there are still some who are wary of using this social networking site. The truth is, there are many reasons why you should be utilising Pinterest for your business.

Pinterest videos

Pinterest is a great tool in introducing your product or service to a whole new audience. One pin can lead to ten pins, which can lead to another ten pins, and so on. Sadly, there are a number of misconceptions about Pinterest. One of the most common is that this site is only for women. Females my make up the majority of the audience but it is not true that it is exclusive only for women. Also, Pinterest is not only for food and clothing but it can also be for home decor, travel, and more!

Many people don’t realise is that Pinterest is one of the easiest ways to conversion. It makes easier for people to get straight to the source. Visitors from Pinterest are more likely to convert into leads or sales faster than from other social media sources.

Pinterest also drives traffic effectively increase links back to your website, which, in turn, drives more traffic. It is more effective at steering traffic back to a website more than any other social media source.

In addition, Pinterest pins include a link, it makes it easy to lead it back to the source of the image. This is an often forgotten part of Pinterest Just imagine the number of visitors you can bring to your website by posting images of your products on Pinterest.

Perhaps the most popular reason why business owners and digital marketers love Pinterest is its ability to let you know what’s trending right now.

There are many other reasons why you should consider for your business. Right now, it has become even better. The social media site launches expanded video features. Read this for more details:

Is your partner hopeless with money? Here’s what to do

Marrying or moving in with your significant other is an exciting life event that comes with all kinds of advantages and compromises. This includes working out the household budget and savings plan.

Budget your money as a couple

When you’re already living with your significant other as a couple, the way you spend money directly affects your partner’s financial wellbeing and vice versa. Hence, it is important to create a financial plan to share expenses and still save money.

Some couples split expenses and are happy with the results. Those who have similar incomes simply split expenses, 50-50 but things get more complicated when one partner earns significantly more than the other. In these cases, go for an equitable split over an equal one.

In a relationship, honesty is so important. This is more especially true with a couple’s finances – you need to be honest when it comes to sharing what you have and what you owe. However, there is still a high percentage of the general population keeping secrets from their significant others. There are still some who keep mum about their bank account and fail to disclose significant credit and debt.

There are many reasons why financial dishonesty is problematic, starting with the fact that you can’t create a budget or set financial goals for the future unless you know where you stand. Many are hesitant to open up about their finances to their partner, thinking that it can be scary and embarrassing. However, it also signifies a milestone in your relationship where you both acknowledge and accept shared responsibility for your finances.

Once you have developed honesty and trust towards your partner, the next step is to establish your priorities. You need to talk about what you want to do in life together and set financial goals. A good savings plan should include predetermined contribution amounts from each paycheck toward long- and short-term savings goals.

It is so nice to have a partner who is financially smart, but what will you do if your partner is hopeless with money? Check this out to know the solution:

11 tips for starting a small business with little to no money

Are you planning to start a new business but you only have very little capital? It’s true that becoming an entrepreneur but having little to zero capital is very challenging. It is almost impossible to pull out, but it can be done.

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Start a Business with Little Capital

Often, business owners are restless and it’s always tempting to get started with your first shop. Most of these eager entrepreneurs are full of smart ideas and will but they don’t have everything they need financially. What they’ve only got is their inspirations and hope that soon they’ll be like Domino’s Pizza that was started with a few hundred dollars. But in reality, money is vital in any kind of business.

Most businesses need capital to get off the ground. Starting with very little capital works best if you get paid immediately, have low overhead, and don’t have high inventory or labour expenses.

Cash flow is everything in business and there is often a big gap between the time when you get paid and when your bills are due. Not to mention, there are also chances that there are unexpected expenses, fraud, or a customer default can sink your entire business if you don’t have a cushion or line of credit with a bank.

If you are going to launch your business and you’ve only got little capital, you need to have careful planning on how you conserve all the cash you have. To begin with, have a business model. Make sure that you minimise your overhead, with you as the primary source of labour, and a model that can scale as you grow. Keep in mind that any business with this model is going to have lots of competitors, so you’ll need to compete fiercely for clients.

The good news for aspiring entrepreneurs is that you can start your business without having to worry about expenses, as long as you have a great idea. Here’s how:

WA’s first design guide to looking good

Re-designing your apartment can sometimes be a headache. However, the benefits can often be ideal. By knowing the benefits of designing a beautiful apartment as well as the responsibilities and challenges it brings, you can have a clear picture of this topic which is crucial for many Australian homeowners.

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Apartment designs

The benefits of having a well-designed apartment are obvious. First, living in such type of apartment is comfortable. If you live in an aesthetically attractive place, you feel comfortable and content with your life. You can install new cabinets to liven up your kitchen. Or maybe you are looking simply to create more space in which to live. Not only you, but your guests will also be impressed with the new look of your place.

Another advantage of a well-designed apartment is increased market value. By putting money into your home or apartment, you are in a sense making it more valuable. The money you spend on the renovation can be looked at as a long term investment that will accrue over time, and work to make your living space even more appealing. For instance, by simply renovating your bathroom in your apartment, you are not only having a comfortable bathroom, but you are also increasing the overall market value of your property.

However, despite these advantages brought by a well-designed apartment, the renovation job brings a number of challenges. Of course, you need to think of the budget. Renovations, especially nowadays, are quite expensive. So when planning for a renovation project, you really need to prepare your money. Though there are many ways to save some cash on the renovation, it still advisable that you prepare more than you need.

Aside from your budget, another challenge is to create a balance between your apartment’s aesthetics and functionality. Do you want to know WA’s new guidelines for apartments to not only look good but meet other building criteria? Check this out: