Ultimate Christmas Shopping Hacks

You were told to save as early as January to have something to spend for Christmas shopping in December but who does that anyway? So you’re now channeling your 2018 self, doing last-minute Christmas shopping. If you’re one of the people who is strict on your budget, this guide can help you maximise your spendings.

Take advantage of deals and discounts

Look for all opportunities to save every cent. Find the tab on the retailer’s website where they put all their offers and sale items. Who know, you might score a huge deal! Be sure to check their social media accounts for any discount code they are currently promoting.

Check clearance outlets

Look for any clearance outlets near you or in your community and see if they have a sale. Most stores are also running last-minute sale blowout to get rid of their old stocks and make room for new ones in the coming new year.

Visit price comparison sites

If you are looking for a particular item online, make sure you snatch the best deal. It literally pays to check price comparison sites such as Shopbot or GetPrice to find out if you are getting the most out of your money.

DIY your cards and wrapping

Instead of spending a dollar or two for a gift box or a gift bag, minimise your spending by purchasing a simple wrapper and a ribbon and wrap all the presents yourself. Add a personal touch by writing a simple note on a gift card that can also be DIY!

For next year’s Christmas, consider allotting a separate savings account for your Christmas shopping budget. Try saving a minimal amount weekly or monthly in a year’s time.

Disclaimer:

Credit Representative Number 486927 is authorised under Australian Credit Licence 389328.

This article provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances. Subject to lenders terms and conditions, fees and charges and eligibility criteria apply.

The post 2019 Ultimate Christmas Shopping Hacks appeared first on Soul Finance Group.

No asset? No worries; Small business loan in Perth

Big banks and major lenders often require that you put down property as security for repayments. However, not every business has the capacity to do so. Fortunately, there are options which don’t ask you put up your assets as security. Oftentimes, these lenders based their approval on the strength of your business, its structure, your bank statements, and credit history among others.

Loans that support small business

Why do you need funds? How are you planning to utilise this to improve your business?

• • Purchase a new equipment or software
  • Buy a new vehicle equipment
  • Business renovations
  • Improve infrastructure
  • Purchasing new capital

What are the features?

Prospa, a small business lending specialist, helps small business owners finance their needs. You can borrow from $5,000 up to $300,000 with repayments that work with your cash flow. You have the option to pay out the loan in 3 months up to 24 months, plus funding possible in 24 hours!*

No asset? No worries

Small business loans with Prospa doesn’t require you to put up a security with loan amount of up to $100,000. This is suitable for business owners who do not wish or don’t have the capacity to attach an asset as a guarantee.

How to apply

Submit your details and a Soul Finance Group finance broker will call you for a quick chat to see if you have any questions, Then, if you’re comfortable to proceed, you will be guided through the application. You will be asked to provide the following:

• • Driver Licence
  • Business ABN
  • 6 months business bank statements

Are you eligible?

If your business has a turnover of more than $6,000 per month and can demonstrate 6 months of trading for a new business, or 3 months if you’ve purchased an existing business, we most certainly can help.

The takeaway

Securing a finance need not be a tedious process. You already have your attention and time towards building your business and we wish to take the stress away by helping you fund your business needs. Don’t worry about putting up a security as we have access to a small business lending specialist that can help you. The process is quick as you could have a decision in as little as an hour, with funding possible in 24 hours.

You can visit business http://businessloan.soulfinancegroup.com.au for more details.

If you wish to know more details, give me a ring on 0408 081 082.

*Fees, terms and conditions apply.

Disclaimer:

Credit Representative Number 486927 is authorised under Australian Credit Licence 389328.

This article provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances. Subject to lenders terms and conditions, fees and charges and eligibility criteria apply.

The post No Assets? No Worries; Small Business Loan in Perth appeared first on Soul Finance Group.

Kaye Waterhouse takes the concept of music as a twist in starting her own yoga studio. Not deviating fully from traditional yoga, the owner of ‘Vital Beat Yoga,’ wanted it to be more inclusive for all women (and men, too!)

Kaye didn’t have any experience in running a business and had to learn everything from scratch. In this interview, she shared details on her marketing strategy and how she was able to pull it off.

Be inspired with her story and the many insightful things that came with it:

What is your vision for Vital Beat Yoga?

My vision for the studios is that we pride ourselves on providing a fun, accessible, [and] unintimidating yoga practice. We recognise that people come to yoga for a great variety of reasons; psychological, physical, or spiritual and any of these reasons are as valid as any other. Vital Beat is not an overtly spiritual or philosophical studio, we instead choose to share the real human experience and prefer to be on this journey with our students rather than trying to be “spiritual teachers”. We also believe that the core essence of yoga is joy, and one of the fastest ways to get there, is through music. Our community is supportive, inclusive, and empowering, and our teachers are warm, kind, humorous, and genuine. We seriously have the best students in Perth!

Why did you decide to start teaching yoga?

I was unable to find a yoga studio myself that I truly resonated with and I saw a gap for the kind of yoga that made people feel welcome even if they didn’t believe in deities and chakras, and was still an accepting place for those that did. I set out to do my teacher training with the intention of opening my own studio and opened the doors to our first space in May 2016, 6 months after returning from my training! I opened my second location in May 2018. 

What types of students does your studio serve?  Do you cater to women only?

Because of our music-driven studio, we attract quite a lot of beginners who have said they were otherwise “bored” or “intimidated” by a quieter practice. Two years ago I would have said 70% of our student base was beginners but now that many of those beginners have grown with us, that has dropped to about 30-40%. Because of the different class styles on offer (from very chill to very strong), we attract a huge variety of ages, our youngest being around 20 and our eldest are in their 60’s – we strongly encourage men to attend but the nature of western yoga is that it does serve many more women than men… so in light of that, and our family-orientated outer suburban locations, we also offer a creche serve, plus Mums n Bubs Yoga, Pregnancy Yoga, and Kids Yoga classes.

How do you market your business?

There are 4 primary pillars to our marketing success;

1. Community: by looking after those closest to us (our students) most of our growth comes from word of mouth. Many (many!) of our students come to class because of (or with!) their friends and family. We also offer free community classes, donation-based charity classes, and Student Scholarships (memberships for those with financial barriers to yoga) as well as give generously to local community groups. This aligns with my personal mission for a Karmic Yoga studio but also helps develop brand awareness & reach. How we look after our students, from our “refresh” stations of tampons & hair ties, dry shampoo and breath mints, to free fruit, tea, and free kombucha on tap, is always top priority.
2. Technology driven marketing: I developed and launched a digital sales funnel that drives 80% of our new clientele to the studio through an incentivised voucher “trial” that, when people fall in love with the studio, converts to a direct debit membership. It’s been hugely successful in attracting clientele previously outside our reach and I can attribute our 60% growth in the last 6 months alone to that program! It also means almost 70% of our members are on direct debit, giving us more stability in our revenue projections.
3. We are very active on social media and connect authentically on there. I’m upfront about everything from business financial struggles to my pregnancy morning sickness (!) and I think our community appreciates that. I’m also not afraid to drop a few swear words either (Haha!) Mastering social media, from FB Lives to Instastories and IGTV, [have] elevated our brand online very quickly.
4. Collaborations and events: Hip Hop Yoga translates beautifully to public and live events (plus they’re super fun!). I teach (or send my staff to teach) at 12-15 events every year, from paid corporate gigs to charity jams. It gets us out in front of new crowds and allows people to truly experience the joy of beat-laced music-driven vinyasa yoga. Some things just need to be experienced! I’m also an Ambassador for Lululemon and work closely with them on events.

What makes Vital Beat Yoga different from other yoga studio in the area?

Music is a very important part of what we do and we put as much effort into playlist creation as the classes themselves. Music can help people shift away from the pressures of the day and into a relaxed state and promotes the production of dopamine (happiness!). Vital Beat is categorically a Hip Hop Yoga studio, that is, most of our tunes are urban & mainstream in nature; hip hop, RnB, Soul, Jazz, Funk, and Reggae but we also include acoustic, mantra and instrumental as a complement. The more intense the class, the more intense the music! There is no whale song and wind chimes at Vital Beat!

What were your struggles starting up?

Everything!!! What I can tell you, is the things I’d never done before starting Vital Beat in 2016:

Never: run a business, hired staff, rented a commercial space, designed & fit out a premises (shout out to my handy husband), designed & built a website including all its copy, operated a CRM system, developed a business plan or a financial budget (yep I opened without either of these), tracked financials, marketed a business in a new community, or wrote contracts, policies & procedures, press releases, or social media strategies. All of which I now know how to do – having learned them out of necessity!

Can you tell us about your business plan?

1. Survive!
2. Develop insane financial literacy
3. Continue to build the business into a model that runs with low input**.

**I travelled around Australia for 4 months with my family when the first studio was just 12 months old and the business survived happily without my physical presence. This year we are selling our home in the Perth hills to live on a bus permanently as “nomads” and only be in Perth as much as the business requires, so the current iteration of the business plan is around the automation and self-sustaining capacity of a yoga studio. I believe it can be done! Success for me lies in the studios ability to run this way – my choices now much more reflect my dream lifestyle than a dream salary.

What style or pose of yoga do you recommend and why?

I have one pose that is the nemesis of my chronic anxiety and it’s a deeply relaxing yin pose called Reclined Deer Pose Twist. It’s a combination of a seated twist (very stabilising & balancing for the nervous system) and a forward fold (calming and down-regulating for an anxious mind). Whenever I have trouble sleeping, 5 minutes of this pose on each side helps my mind to settle (which as small business owner, can be very loud in my head with to do lists!)

The future ahead of you is dark. You are holding a ‘magic light bulb’, which has the power to illuminate any part in your future. (Means you can take a peek of your future) What part are you seeing?

I can see what we are building towards now, come to fruition. I live with my two children and husband (and dog!) off-the-grid in our 40ft coach, somewhere in Australia and I run the studios remotely, returning to Perth as needed. This also grants me the freedom to finish writing my book!

The post The Illuminate Series: ‘Vital Beat Yoga’ appeared first on Soul Finance Group.

Sarah Toquero, Everybody Jungle Body owner and instructor

Just like any other business owner, Sarah Toquero, had her fair share of ups and downs. From letting go of something she used to be passionate about, she still managed to find another craft she successfully grew. This was all possible because it was fuelled with her advocacy of supporting women in the Perth community.

For Sarah, it doesn’t matter whether she has a family to take care of plus a full-time job she absolutely loves—since there’s a burning passion of wanting to share her fitness journey in her community, she was able to pull off a side gig, being a Jungle Body instructor. This hustle is for her as much as it is for her clients/attendees.

But, how did she do it?

Why did you decide to start this business?

I started Everybody Jungle Body as a result of [being] a participant for 6 years and loving the programs. In 2013, I was working part-time and started a raw food business. I was selling my products at markets and then became a regular stall at many of the Jungle Body instructor’s classes. I really loved the community spirit and the “vibe” of class participation.

In 2014, I made the hard decision to close my raw food business as I had really fallen out of love with it.  I then decided to become a Jungle Body instructor as I wanted to really harvest the same “vibe” and support women in my local community. It was also a good incentive to keep up my fitness routine.

Everybody Jungle Body runs classes 3 times per week and on top of that I work full-time in a government role. I really love my full-time job, so I’m not giving that up anytime soon.

What do you wish you knew when you started Everybody Jungle Body?

I wish I knew the positive impact having classes in my community would have. I would have started sooner if I did.

What is unique about EJB?

What makes EJB unique is that any age or fitness level can attend. Each program is set to amazing music and with only 4 moves per track; it’s really easy to pick up. There is not lock in contract either; you just pay as you go.

How do you empower women in the community?

By allowing them to have a safe space to exercise. No judgment! Just an hour all to themselves. No household chores to think about, no work, no kids calling “mum” every two minutes J. Just music, fun and some freedom.

What frustrates you as a career woman, a business owner, and a fitness professional?

Frustrations usually lie within myself; just not enough time in the day to get everything done. But I think every business owner feels this. I have set myself a task of outsourcing in 2019. If I don’t have the time, then I need to find someone who does, otherwise it’s poorly executed.

Was there a time in your career or business when you felt like you wanted to give up? What did you do to move past it?

Giving up….ask anyone that knows me and they will probably say I’m too stubborn to give up. When I fell out of love with my raw food business, I knew it was time to move on. I have been instructing Jungle Body for over 3 years now and I’m still loving it. Each class is different, so you never get bored. We are blessed with really great support from our Jungle Body head office and I think that helps with it never becoming mundane.

What was your vision when you started? Is it different today?

My vision was to create a comfortable exercise space for women in my community, I guess that vision remains today. If anything it would also now be to create positive mental health changes in my participants. You can never under estimate the power of belonging and friendship. These values have really been exposed in my Jungle Body participants.

What makes EJB successful?

EJB is successful because I’m very real. I laugh a lot, I openly admit to making mistakes and I often forget my moves in the middle of track. We usually just laugh and carry on. I’m only human J

If you could give one fitness advice, what would it be?

Find a friend to exercise with. [It] keeps you both accountable and it’s less intimidating starting something new with a friend.

The future ahead of you is dark. You are holding a ‘magic light bulb’, which has the power to illuminate any part in your future. (Means you can take a peek of your future) What part are you seeing?

The magic light bulb would see me on the South of France with a wine in my hand and a cheeseboard…..I will get to tick it off my bucket list.

The post The Illuminate Series: ‘Everybody Jungle Body’ appeared first on Soul Finance Group.

Getting a small business loan in Perth

So you’ve got a brilliant idea, a unique selling proposition, and a marketing plan to start your own company but there’s one thing that’s stopping you—you don’t have funds. The idea of being your own boss is an exciting thought until you find ways on how to finance it. I’ve heard so many stories from people who failed to pursue their business dreams because they didn’t realise that there are a number of finance options available.

Navigating through these deals can be tricky, hence this article aims to walk you through the important things you need to know.

What types of business loans are there?

These can be split into two main types of finance: equity finance and debt finance. Equity finance is money that is sourced from within the business or from an investor and doesn’t need to be repaid. Debt finance is money that is borrowed and needs to be repaid. Here are some examples of equity and debt finance:

Equity finance

• Self-funding
• Venture capitals
• Initial public offering
• Investments from family and friends
• Private investors
• Crowdfunding
• Government grants

Debt finance

• Loans from banks
• Loans from standalone business lenders
• Invoice factoring
• Loans from family and friends

Lenders have different criteria to determine whether you are eligible for a loan. Want to know if you are? Chat with me today.

Small Business Loan Requirements

The following list includes general requirements. The lender may require additional documents along the way.

• Accountant-prepared financial statements
• Proof of individual income
• Bank statements
• Identification

Small Business Loans Available in Perth

If you are looking to finance your dream business in Perth, there are many options available. GetCapital offers a flexible business loan from $5,000 up to $500,000 with convenient top up and redraw facilities. Business must have been operating for 9 months+ and have monthly sales of $10,000+. Prospa lets you borrow $5,000 to $250,000 that can be funded in 1 business day. Must have a turnover of $6,000+ per month and provide 6 months of trading history, 3 months history for existing business purchases. Moula can loan you an amount of $5,000 to $500,000 that can be approved and funded within 24 hours and available to businesses with 6+ months operating history and $5,000+ monthly sales. There’s also Spotcap where it offers a line of credit of up to $400,000 that converts into a loan when you draw down.

Quick tips:

• Be clear on why you want to borrow. The outcome of your application is strongly influenced by how well your proposal is researched and how well it’s presented.
• Know how much the loan amount is. Keep in mind that the longer the loan term – the more total interest you’ll pay.

Ready to fund your dream business? Or do you still have some questions unanswered? Happy to clarify them for you. Drop me a message on Facebook, Instagram, or you can always send me an email.

Disclaimer:

Credit Representative Number 486927 is authorised under Australian Credit Licence 389328.

This article provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances. Subject to lenders terms and conditions, fees and charges and eligibility criteria apply.

The post Getting a Small Business Loan in Perth appeared first on Soul Finance Group.

Finding a perfect gift during the holiday season can escalate from fun to stressful to having no time at all. Products and holiday sales might have filled your social media feed already, but sometimes, that only makes the job extra challenging.

Our tip: First off, don’t let the panic settle in. There are so many options to make your loved one feel appreciated during this season. We have previously shared some unique gift ideas from Perth small businessowners. To prove as much, we’ve compiled another list for those of you who are still on the hunt. These are available from businessowners in Perth that we personally recommend–Christmas gift ideas that won’t disappoint.

Rustic Chix

Rustic Chix is certainly bringing the Holiday spirit with their collection of Christmas items! They offer eco-friendly rustic wood Christmas tree, custom-made decorative fire surround, platters and grazing boards—a must for Christmas feasts! The real winner here is the fact that they use recycled and sustainably-sourced materials.

Wanderlust Soy Candle Co.

There’s scented candle and then there’s Wanderlust Soy Candle Co. Instead of using traditional candles in your home, why not consider purchasing and gifting a Pluggable Fragrance Warmer?Simply twist the plug base to suit and you can add your favourite melts and enjoy the warm glow as the aroma fills your room! A nice, fragrant twist, right?

Promotional FX

Looking for corporate gifts to distribute amongst your colleagues? Look no further as Promotional FX provides customised printing on caps, mugs, shirts, or bags! If you need the job done right away, I can vouch for their outstanding work ethics and great customer service! Leanne, the owner, is an absolute gem to work with!

Morgane Guedj Creative

If you are looking for some wall art to give to your artistic friend or creative loved one, these artworks from Morgane are amazing! She’s not really in the marketplace and only sells them at her Etsy shop, but I’m all for supporting talented women and her works are absolute masterpiece!

Lancy Fancy Boutique

This is a fairly new shop but what I love about them is they use eco-friendly items and source out natural materials. Their products include bags made from high quality rattan material with different weaves and design. Perfect for your stylish and fashionable girlfriend!

Hope this list eased your Holiday stress! Plus, it’s always good to support local. Treat it as a Christmas gift to your community.

Disclaimer:

 Credit Representative Number 486927 is authorised under Australian Credit Licence 389328.

 This article provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances. Subject to lenders terms and conditions, fees and charges and eligibility criteria apply.

The post Beating the Holiday Rush: Gifts We Love from These Perth Businessowners appeared first on Soul Finance Group.

Ashley Matkovic, founder of Fusion Biz Babes

We are now in the second installment of our campaign, “The Illuminate Series,” where we highlight one Perth small business every month in the hopes of inspiring our readers to take the plunge and start something they’ve long been wanting to do. (If you want to read our first installment, click here.)

Here at Soul Finance Group, we’re a big believer in entrepreneurship. There are a myriad number of benefits—it gives you more control over your financial future and more social capital than almost anything else in the modern times. We consider it one of the best routes to self-empowerment and social change that we know of, giving women the ability to excel on their own terms instead of being trapped in the limbo of a toxic work environment.

Hence, we now put the spotlight on Ashley Matkovic, founder of Fusion Biz Babes. With a growing community she built from scratch, we’re curious as how she was able pull it off!

“Tell us about your business and what makes you unique amongst others in your industry.”

Fusion Biz Babes is a welcoming community for female business owners in Perth. The main point of difference is that we put genuine relationship building before making sales.  No-one likes a million biz cards being thrown at them right!

I wanted to create a safe, welcoming and FUN space for women in business to meet, connect and share experiences & expertise – because we all know being in business for ourselves is not always easy.

Since launching The Fusion Membership in March 2017, we have now grown to 140+ members, where we meet in-person at regular events, and strengthen those connections in our online Facebook group.

“Why did you decide to start Fusion Biz Babes?”

I am on a mission to make networking fun again!  Surrounding yourself with likeminded people who are motivated, empowering, and supportive is the KEY to success.

So, I started Fusion Biz Babes as a less daunting way to get around the right people.  To eliminate the awkwardness that sometimes comes along with networking, and cut through the small talk to drive real conversations.  I want our members to look forward to getting out there and building their network, rather than it just being another thing on their to-do list.

“How do you learn?”

I am an audio learner.  I go on a run and throw on my fave podcast (loving Entrepreneur On Fire and the Foundr Podcast.) I jump in the car and pop on an audiobook (currently listening to Oversubscribed by Daniel Priestley.)  Even if I’m just doing the dishes or having a shower, I will pop on a Masterclass and listen and learn – multi-tasking at its finest!

Ashley, in her element

“What was your/were your greatest struggle/s in building this empire, so far?”

Definitely would have to be mindset.  I struggled with putting myself out there, worrying what others would think, and having those imposter syndrome thoughts of who am I to be doing this.  I keep on top of my mindset by constantly working on strengthening it – through investing in personal development such as coaches, kinesiology, podcasts, courses, events, seminars, books.

Surrounding myself with the right people who pick me up, give me a pep talk or a butt-kicking when needed helps too!

“What are your motivations to keep going?”

FREEDOM!  On 6^th October 2017 (1 year ago!) I achieved my ultimate dream of becoming my own boss.  After almost 3 years of side-hustling I had finally built Fusion Biz Babes to the point where I could quit my day job and support myself working full time on the business.

To be able to choose HOW I spend my days, WHO I work with, WHAT projects I work on, and WHEN I work has been a huge source of happiness for me, as freedom is one of my top values.

Anytime I am having a tough day, I remind myself I would much rather be facing these challenges, than working for someone else!

“The future ahead of you is dark. You are holding a ‘magic light bulb’ which has the power to illuminate any part in your future. (means you can take a peek of your future ) What part are you seeing?”

Great question!  I’ve never been to a psychic for the exact reason that I don’t want to know!  I’d rather live it and feel it as it happens.

But if I had to answer, I would probably say family… how many kiddies will I have and what will they be like!?!?

Thank you again to Ashley for accepting our invitation to get featured in our series! If you wish to grow your network, you might want to consider reaching out to Ashley and check her business, Fusion Biz Babes.

The post The Illuminate Series: ‘Fusion Biz Babes’ appeared first on Soul Finance Group.

Why you need to support small businesses

I am a small business owner myself so I acknowledge the risk and challenges that comes with running and starting your own thing. Hence, I make it a point where I find ways to support small businesses, especially in my area.

Whether you grew up in a small town or in an urban area, there is a certain feeling that gravitates you towards shopping locally. It could be pride, a sign of respect, or a genuine support for a friend or a relative, knowing the dollar you spent went to, not just a community member, but a business owner who you know needs all the support she/he can get.

Like I said in one of my posts, I believe that most independent businesses are run by people – not by boards, not by shareholders, not by algorithms. You get a different kind of care and quality in their product because their work is a reflection of themselves. Instead of focusing on the next market they’re expanding into or the next round of funding they’re raising, they’re focusing on the details and being the best they can be.

And I think that’s the beauty of it.

When you buy local foods and produce, you are buying from local farmers. You gain access to fruits and vegetables that you know are chemical free and organic, thereby improving your family’s health. Furthermore, you are contributing to the growth of the local economy. When a consumer buys local, significantly more of that money stays in the community. Chain businesses, on the other hand, tend to get their supplies from corporate, as well as having store managers and employees that aren’t as personally invested in buying local.

There is also a unique kind of connection to the owner or staff of a small business when you purchase to them. The transaction is more intimate and the rapport is greatly established. You easily get to know them on a personal level. Consequently, this kind of relationship gives you access to better customer service. Asking for help from large companies tends to be a nightmare. When you shop local, the business owner is usually directly connected to every employee in the store. That leads to a personal approach that often means any problem you have is taken seriously.

Small businesses come and go. It could be because of large chain retailers or any other reason but if you come to think of it, we, as a community member, can actually help them. The next time you need to purchase a product or a service, look for local small businesses in your area. Think of them.

Let’s support local.

Disclaimer:

 Credit Representative Number 486927 is authorised under Australian Credit Licence 389328.

 This article provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances. Subject to lenders terms and conditions, fees and charges and eligibility criteria apply.

The post Why Do You Need to Support Small Businesses appeared first on Soul Finance Group.