Personal finance is something many people do not take very seriously. That is why so many people are fighting with debt problems. Personal finance is about keeping a balanced debt to income ratio and ensuring that expenses never exceed income. Personal finance is crucial to keeping a good credit record and maintaining credit worthiness.Personal finance starts with a budget. Every person should have a budget to track and mange their income and expenses. A simple budget lists all income and all expenses for a month. The bottom line of a budget is that the income should never be less then the expenses. Should the expenses exceed the income the person is going to have to cut back on expenses. They should start by cutting out non-essential expenses. This can be difficult, but for someone wanting to be serious about their personal loans, it is important. Budgeting takes a lot of self control and little sacrifice.The next step in finance is managing debt. Most people have some debt. Debt is essential for building credit. However debt should never become overwhelming. A person should make a list of all debt. The list should include the name of the creditor, the amount of credit, the amount of debt and the interest rate. If there is any debt problems they should be handled immediately.Next is credit. If a person is easily handling their budget and their debt then they can consider getting more lines of credit. However, if a person is not handling their debt and budget then getting more credit is out of the question. A person should also make sure they understand all of their credit obligations. This includes all terms and conditions.After a person has all of their personal loans in order they need to look them over. They should check to see if they are struggling with anything. If they are then they need to manage their finances to get them back in order. This may involve some credit counseling or debt consolidation. A person should be committed to whatever it takes to get their personal finances back in order, so they do not suffer damaged credit or financial difficulties.Now that a person has organized their personal loans, they need to manage them. Managing personal finance is about sticking to a monthly budget, keeping debt under control and not getting overwhelmed by credit. Management of personal finances is on going. A person has to review every month to ensure they are not over extending themselves or breaking their budget.Personal finance is an important topic. It is something everyone needs to think about and something everyone needs to control. Too often people let their personal loans get out of control. It is this that leads to debt problems and eventually financial difficulties.A person that controls their personal finance will be using their monthly budget, keeping up on debt and not over extending themselves credit wise. A good, well managed personal finance is going to produce someone who can afford their lifestyle and who benefits in the form of a good credit record.

Shoe Repairs And Several Other Things When I Was 7
My Dad repaired most of our shoes believe it or not, I can hardly believe it myself now. With 7 pairs of shoes always needing repairs I think he was quite clever to learn how to “Keep us in shoe Leather” to coin a phrase!

He bought several different sizes of cast iron cobbler’s “lasts”. Last, the old English “Laest” meaning footprint. Lasts were holding devices shaped like a human foot. I have no idea where he would have bought the shoe leather. Only that it was a beautiful creamy, shiny colour and the smell was lovely.

But I do remember our shoes turned upside down on and fitted into these lasts, my Dad cutting the leather around the shape of the shoe, and then hammering nails, into the leather shape. Sometimes we’d feel one or 2 of those nails poking through the insides of our shoes, but our dad always fixed it.

Hiking and Swimming Galas
Dad was a very outdoorsy type, unlike my mother, who was probably too busy indoors. She also enjoyed the peace and quiet when he took us off for the day!

Anyway, he often took us hiking in the mountains where we’d have a picnic of sandwiches and flasks of tea. And more often than not we went by steam train.

We loved poking our heads out of the window until our eyes hurt like mad from a blast of soot blowing back from the engine. But sore, bloodshot eyes never dampened our enthusiasm.

Dad was an avid swimmer and water polo player, and he used to take us to swimming galas, as they were called back then. He often took part in these galas. And again we always travelled by steam train.

Rowing Over To Ireland’s Eye
That’s what we did back then, we had to go by rowboat, the only way to get to Ireland’s eye, which is 15 minutes from mainland Howth. From there we could see Malahide, Lambay Island and Howth Head of course. These days you can take a Round Trip Cruise on a small cruise ship!

But we thoroughly enjoyed rowing and once there we couldn’t wait to climb the rocks, and have a swim. We picnicked and watched the friendly seals doing their thing and showing off.

Not to mention all kinds of birdlife including the Puffin.The Martello Tower was also interesting but a bit dangerous to attempt entering. I’m getting lost in the past as I write, and have to drag myself back to the present.

Fun Outings with The camera Club
Dad was also a very keen amateur photographer, and was a member of a camera Club. There were many Sunday photography outings and along with us came other kids of the members of the club.

And we always had great fun while the adults busied themselves taking photos of everything and anything, it seemed to us. Dad was so serious about his photography that he set up a dark room where he developed and printed his photographs.

All black and white at the time. He and his camera club entered many of their favourites in exhibitions throughout Europe. I’m quite proud to say that many cups and medals were won by Dad. They have been shared amongst all his grandchildren which I find quite special.

He liked taking portraits of us kids too, mostly when we were in a state of untidiness, usually during play. Dad always preferred the natural look of messy hair and clothes in the photos of his children.

Many of you often ask us if A Levels online are worth considering in order to gain a recognized qualification or if you have left it too late to study A Levels, as part of your career progression.

Suggested article: A Level Courses Online

A Levels, known as ‘Advanced Level qualifications’ are normally introduced for students aged 16 and above. The term of the A Level qualification would normally be two years, although learners choosing to study through online learning, can normally fast track and complete this much sooner. UCAS points will be available, which will go towards University applications.

Learners also have the option to complete AS Level only and will still receive UCAS points, depending on grades achieved.

Do I need A Levels for University?

Most universities insist that potential applicants have a good mix of basic Maths and English Level 2, together with Level 3 qualifications or A Levels in order to secure a place with them. When considering applying to University, the first thing we recommend you should do is contact them and ask what the entry requirements are for the specific degree you are considering studying as you cannot leave this to chance. We have had students come to us at the eleventh hour, desperate to study a specific subject in a short space of time because they did not ask this simple question.

Can A Levels go wrong?

In an ideal world, many would complete their A Levels in sixth form at a conventional school or college, then progress to college or university. However, this does not always go according to plan and for one reason or another, you may not have had the opportunity to gain your A Level in a school or college setting.

A classic example is a Covid-19 pandemic, where many students were expected to sit their exams in the normal way and were then told that due to the cancellation of exams, their results would be based on predicted grades. This worked for some learners as they had worked hard on any assessments submitted to their Teacher but for others who hadn’t really made the effort, relying on studying hard for their examinations; it did not bring the desired effect with low grades submitted.

We then had a second year of canceled examinations, again something that no one was prepared for. The results of this, we are still awaiting, but I am sure that there will be learners receiving grades they were not expecting.

There have also been other reasons learners have been unable to achieve their A Level qualification. As an example, we were approached by Jason, who had been keen to study A Level Computer Science at school but during his first year, he had become extremely ill and was not able to complete his second year. This is one of our extremely popular courses as this can lead to various career paths such as Application Analyst, Business analyst, Data analyst, Games developer, etc. We enabled Jason to complete his second year of A Level Computer Science and he then went on to study a degree at university managing to get himself back on track.

Suggested article: A Level Computer Science Online Course

Are there any age restrictions for studying A Levels?

Not everyone is suited to studying with an online learning college though and we have found that learners of all ages enrol with us, as there appears to be no set criteria for applicants. As they say ‘it is never too late to learn and everything changes so fast, we have to keep up to date with it.

Suggested site: Learn Now Distance Learning College

One of the things we have found with learners is that you really need to be self-motivated and able to work autonomously. This is difficult if you feel you can only work in groups with your peers and do not feel you can set yourself a timetable and stick to it, thus avoiding distractions. We have found that using your Lesson Plan helps considerably as this sets out which modules should be completed and when. This can give you a certain amount of structure and ensure that you stay on track throughout your course.

It would seem that there are always options to complete your A Levels, whether online or studying at a school or college. It is a case of you deciding the best options for yourself.