Having a serious accident, losing your job or having to pay for expensive repairs to your car or house–these are the essential rainy day scenarios that can lead to your draining what you have saved up now and putting you even deeper into debt. You can’t predict the future, but that doesn’t mean that you have to leave your financial security up to the mercy of your employer, injury at work claims or fate. Here’s how to set yourself up for financial success, no matter what the future brings. Save enough for six months. This is the rule of thumb for everyone, no matter how much money you make. If you lose a job or become physically unable to work, knowing that you can sustain yourself financially for half a year can bring your peace of mind and buy you time to get back on your feet. Start by adding up what it would take for you to pay all your bills for six months, and then set that as your eventual savings goal. Be insured. Most people consider health insurance and auto insurance as must-haves. But you should also consider insuring your income to safeguard against financial disaster. You can find short-term and/or long-term coverage for a percentage of your current income to make sure that if you can’t work, you’ll at least get a partial paycheck. Take advantage of your current financial profile. If you’ve got a steady income and low debt, weigh the benefits and disadvantages of opening another line of credit that you would use only for emergencies. It often costs nothing to do so, but it could make a world of difference if you lose a job or are faced with a large expense that cash won’t cover. Tackle high-interest debt now. Why high-interest debt? Because these are the kinds of accounts that become literally impossible to pay off when you lose a job. For many credit cards, for example, you could pay the minimum on them for ten years and still end up with a balance that is higher than the principle simply due to the interest. To avoid this nightmarish scenario, make sure to get rid of those balances as soon as possible. “Cut”your budget preemptively. This doesn’t mean that you have to forego all luxuries now, but doing the work now of sorting out what you could live without in case of lost income could save you a lot of stress. Waiting until you don’t have the money makes this a more emotional process, so come up with a list of expenses that are optional, and rank them in terms of which should be the first to go. Next to building upon your savings, this is the ultimate rainy day saving plan.

Far too often, credit card consumers let their purchasing power rest in the hands of creditors. But there are open secrets that can help you get the most from your card, whether you’re just charging your supermarket purchases or you’re about to sell ipod to buy new electronics. Here’s how to take advantage of your credit card before it takes advantage of you.

Search for a low interest rate. Many cards offer a promotional rate of zero percent for the first year, which can be an advantage if you’re planning to make a big purchase soon. But beware this gimmick, because your interest could shoot up to an unreasonable rate after that promotional period is over. Determining what would be a good rate for your depends on your credit history and the type of debt that you currently have. As a general rule, however, your interest rate should not go any higher than 20 percent, even if your credit record has some blemishes.

Use your card as a transactor. Work to pay off any charges that you have incurred before they accrue interest, so that you can enjoy perks like rewards and a good credit score without having to fork over money in interest charges. And if you plan large purchases just right–that is, you charge them to your card immediately after your payment is due–you’ll have nearly sixty days of interest-free finances once you incorporate the “grace period” that most cards offer.

Take advantage of rewards. Don’t underestimate the financial value of rewards like cash back on everyday purchases (such as the supermarket or filling station). Even if it’s cents on the dollar, it could be the foundation of a solid savings plan for you. And always inquire into any travel advantages your card may have before you plan to take a vacation.

Read the fine print. One useful tool that all credit cards provide is the summary box written on the back of each paper statement; this box is also available with the initial credit card offer. It outlines rules for the annual percentage rate, the interest-free periods and what your interest rate will be if you make a late payment or miss a payment. Understanding these guidelines will give you a good idea of when you should make important purchases and the penalties you’ll face if you break the agreement.

Never stop negotiating. After you’ve found a good interest rate, signed on for a credit card and gotten into the routine of charging and paying, it’s easy to become complacent with your credit. However, if you have paid all your bills on time and been an exemplary cardholder, it sometimes pays off to call your company after a year or two and ask what special offers you qualify for. You could end up getting a better cashback deal or a lower interest rate. This consistent negotiating is the real key to unlocking the power behind your card.

The internet is an unparalleled bounty of discounts waiting to be found. But rather than spending hours trawling through shops, it’s a lot easier and faster to search and compare prices online to find the deal that’s best for you.

Anything from groceries to holidays to life insurance can be found online at a price much lower than on the high street. The stiff competition between online businesses is great news for you, the savings-hunter, as companies are (figuratively) throwing deals at you.

But some sites are going to even greater lengths. Life insurance comparison site comparethemarket.com is the perfect example. They’ve strayed away from the norm and taken a completely different tact in their approach to getting your attention – comedy.

Take a look at their latest short, explanatory ‘film’, available exclusively on moneysavingblog.org and you’ll get the idea.

Looking past the velvety jacket and rouge, curly tresses of the company’s CEO and founder, Maurice Wigglethorpe-Throom, you’ll recognise the comedian Robert Webb. Best known for his role in Britain’s award-winning sitcom, Peep Show, Webb has come up with a whole new character to entertain you with classic tomfoolery.

Mr Wigglethorpe-Throom is sarcastic, blunt and uses perfect pronunciation to clearly get his financial message across. And to make it even clearer, his dramatic demonstration involving a tranquiliser gun, weeping widow and plenty of biscuits is sure to show you the benefits of life insurance.

If you put aside the horseplay, the actual message Mr Wigglethorpe-Throom is delivering has some solid points. You need to be financially prepared in case an emergency or tragedy occurs and you need to find a financial product that’s going to deliver you “a whole heap of Viennese Swirls” rather than “a couple of digestives”.

Just be careful because some policies “contain raisins”.

Gone are the days when people needed to carry with them heavy and bulky devices everywhere they go just so they can access the internet. As the years went by, web browsing has become a more and more effortless activity for everyone.  We are now in the era of using tablets, and an increasing number of these devices are coming up one after the other. Nook, for example, has just recently launched their best tablet yet, which is the Nook HD+.

This technological innovation offers a 9” fully laminated touchscreen in the Android operating system with a much faster processor compared to its smaller sibling. The same as any other tablet, Nook HD+ also boasts the same capabilities as the others possess which include being able to read books and magazines, watch movies, browse the web, check emails, and download applications, among others.

It comes at 16GB and 32GB options and the bonus of it all is that they are available at prices that don’t break the bank. This new addition to Barnes & Noble’s tablet and e-book line up is made affordable in contrast to its competitors, thus allowing consumers to be able to use the money they save out of it for other purposes. Talk about getting the best for less.

This is a great advantage for big families who want to get a pleasurable yet affordable experience in tablet use for each member. Apart from getting one for each, this tablet also has the capability to create up to 6 profiles which one can transform into his or her own personal device and private library filled with books, films, applications, and more. Another target audience would be the students who are in need of an easy access to the internet whilst studying without having to carry with them their laptops or their actual books. Its feather light design is also fit for full time mothers who need a little entertainment while looking out, and even carrying their little tots. This only proves that Nook HD+ is made for everyone from all walks of life, and would make a good and affordable addition to one’s gadget collection.

Instagram is considered to be one of the best social media sites available and offers a huge array of benefits for everyone to enjoy. This site is still in the early stages; however, it attracts millions of users every day. Since it was launched in 2010, there has been a frenzy to join and create the best community possible.

This platform is designed for mobile users which make up a huge part of the advertising market today, and provide an exciting tool for everyone to develop. There are several attractive features, which have ensured that people have remained interested in this tool. The ability to like, comment and follow your favourite posters has helped to build a top quality community.

Even businesses are beginning to see the benefits from using Instagram, and for them the ability to buy Instagram likes has sped up the process. There are several advantages to deciding to purchase your followers and likes, which is why so many people are choosing this option. These benefits include the ability to attract quality viewers to your page and business.

Once your photos begin to attract followers, and they comment and share the image, you will be more likely to feature on the newsfeed. This privilege provides an extensive exposure, which is essential for anyone seeking a larger online presence. The newsfeed is the first page that every member will see which is why it is beneficial to have your image displayed there.

Attracting followers

The more likes that you have, the more exposure you will create, which will ensure that more people are noticing your brand. This will provide more clients who are interested in your business, and are likely to spend money. You can also buy Instagram followers from the same providers where you purchased you likes from.

Cost effective

Advertising budgets are always an area for debate, which is why if you can find a way to market your business that is free or cheap, it is beneficial. Buying likes or free followers on Instagram can be affordable and effective, which makes them incredibly appealing. You will save money as you do not need to spend hours attracting followers.

Market your product faster

Businesses need to work at a far faster pace than average people, and keeping ahead of the competition is essential. When you choose to buy Instagram followers, you are ensuring that the competition is kept in check. Organic growth can speed things up too – check out The Small Business Blog to read reviews for Tree Frog which can build your following for you.

It is nice to be liked

Everyone likes to be appreciated, which is why having more followers can be appealing and satisfying. You may enjoy gloating to other businesses about how popular you are, and how many followers you have attracted by engaging organic growth services similar to those that can be found on websites like earthweb. Even big businesses such as Apple, are using Instagram to launch their new products and establish customer feedback.

Some people feel that purchasing the Instagram likes is cheating; however, you need to appreciate that when building your business you need to be ruthless. Using every tool available will ensure that you create the perfect advertising campaign, and have a successful business brand. Check out Buy-Instagram.com today, to see how they can help you.