Outsourcing certain business functions is a great way for small to medium-sized businesses to scale up. Many business owners believe that outsourcing is for large businesses and corporations that have hundreds of staff. However, there are many benefits for SMEs too. In particular, HR services require expert knowledge and doing it yourself can take up a lot of valuable time. Not to mention, it can be a huge waste of resources. Here are a few reasons small businesses should outsource HR services to third-party providers.

Time to find out what everyone's doing to make extra savings and investments, other than by being frugal with the household shopping, being economical with energy use and quitting spending on non-essentials. Are you debt free? Is your financial future secure? Have you protected your 'cyberdosh'?

The Frugaldom understanding of self-sufficiency is one of self-sustainability. It's about earning your own living and then spending accordingly, living within your means, regardless of how great or how meagre these may be. It's a lifestyle choice. Frugaldom is freedom from debt by way of living and working in frugal ways.

The world, according to Frugaldom, is a complete package. We have all we need to create all that we want and if we break it, we have the wherewithal to fix it. Nothing is fake, everything is real - just take the time to look into this amazing frugal bubble that is our world. It's like the life of pie!

Starting your own business can be an extremely exciting and empowering experience but comes with its own set of responsibilities. One of the most crucial of these is the need to stay on top of your incomings and outgoings.

June managed to creep in after an extreme mix of weather during the month of May, then a couple of days of sunshine brought with it the inevitable arrival of the troublesome, biting midges.

No business owner wants to contemplate the unpleasant possibility of damage or loss, but being unprepared is even worse. Proper business insurance is one of the surest ways of protecting your resources and has become a necessity for doing business.

We all know that investments have to be managed for both risk and returns. The deal that promises to double your money in three years comes with a very real risk of losing your investment.

Mergers and acquisitions (M&A) are financial transactions in which two companies merge into a new entity, or a larger company acquires a smaller one, which is then absorbed into the parent or run as a subsidiary.

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