The first and most important step is to organise your finances, while developing a clear insight into your cumulative debt levels and precise fiscal circumstances.
We often think of the coronavirus pandemic as a health crisis, but there’s no doubt that its most tangible negative impact may ultimately be felt by the economy/
Personal debt levels had certainly increased by the end of March 2021, at which point Brits owed a total of £1.712.9 billion to creditors. This number had increased by £27.1 billion year-on-year, with this equivalent to an extra £511 per UK adult during this time.
With this in mind, you may need to take proactive steps to improve your personal finances. Here are some ideas to help you on your way:
Create and Adhere to a Budget
The first and most important step is to organise your finances, while developing a clear insight into your cumulative debt levels and precise fiscal circumstances.
The key to achieving both of these objectives lies with budgeting, as you look to accurately estimate your incoming and outgoings over a weekly or monthly period (depending on how you’re paid).
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It’s crucial that you’re accurate and deal in pence rather than pounds when budgeting, as this will outline the exact amount of disposable income that you have each month and enable you to spend within your means.
By maintaining this over time, you can also begin to consistently pay off any accumulated debts and increase the amount that can be committed to savings every month.
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Become Financially Literate and Recognise Lifestyle Inflation
Developing an understanding of finance (particularly the function of debt and interest rates) can be highly beneficial to your fiscal security, while you should also build knowledge pertaining to the wider financial infrastructure in the UK.
You’ll also need to be aware of the concept of “lifestyle inflation”, which is built on the principle that your spending increases as you earn more money. This can lead to disproportionate spending over time, which is why long-term budgeting is such an important tool in your armoury.
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Create Passive Income Streams to Boost Your Earnings
Given the socio-economic impact of the coronavirus, speculating to accumulate may be the best course of action for finance-oriented Brits.
The key is to seek out passive income streams where possible, so that you can maintain a full-time job and optimise your earning potential over time.
Through this platform, you can also build knowledge and leverage detailed analytical tools, while utilising the demo account feature to practice and hone your strategies in a simulated marketplace for a period of up to six months.
Business
You can get a mobile massage treatment in your office – just like us
Thomas Melia
We’d like to introduce you to the pioneering personalised service offering massage treatments on the move at practically any location including direct from your office– including to those of us here in Manchester.
In a world where you can get practically anything delivered straight to your door, it wasn’t going to be long until some genius invented a way to get a massage from the comfort of your own office.
Named ‘London’s first digital beauty concierge’, Ruuby have been pampering the nation’s capital for almost a decade before branching out to further locations.
The gorgeous set up provided by RuubyLook at that lovely branding on the towels.They did wonders with our otherwise plain downstairs office space. (Credit: The Manc Group)
In October 2024, the company expanded beyond its domestic reach in the likes of the capital, the Cotswolds and Surrey into Europe, making its first mark Switzerland: the perfect country for both luxury and essential beauty treatments with a tailored experience.
The month following saw the group moving up North and all the way to Manchester, where people can now book professional treatments best suited to them, right on their doorstep.
If you’re feeling scepticalstill, you can take it from us here at The Manc; we couldn’t tell you how relaxing and comforting these massages are.
There are a range of treatments available and we opted for two bespoke massages, a sports massage and a deep tissue massage.
Each experience is suited to your personal needs meaning each massage therapist will be able to fine-tune their relaxation abilities to what benefits you best.
After choosing the bespoke massage that I felt would work best for me, I went into this with no prior massage experience and I came out feeling taller, broader and more refreshed. Highly recommend.
Mid-day office massage? Yes, please.How relaxing. What a shame you have to go back to work after!Credit: The Manc Group
My masseuse guided me throughout the whole process and we soon discovered that I was able to tolerate much harder pressure than I thought which helped release tension I didn’t even know I had!
The same applies to how firm you’d like your session to be, as the masseuse can help with a brief overview of your time together, but the amount of pressure you like is down to personal preference.
It’s not just massages either: there’s everything from waxing, nails and hair to physio and IV drips; how about getting Marbella ready in less than an hour with a spray tan service set up wherever you are?
As Ruuby is a mobile and remote work environment, there are a number of at any time up and down the country, meaning your next beauty slot could be as little as an hour away, find out more HERE.
Manchester’s Cat Cafe issues lengthy response to anti-industry statement
Danny Jones
Manchester’s soon-to-return Cat Cafe has shared a lengthy statement responding to the recent suggestion made by leading animal charities that their particular line of business should become a thing of the past.
Cat Cafe Manchester (CCM) closed its city centre premises back in January 2021 like so many others suffering from the post-pandemic struggle, but there are still several other feline-focused coffee shops and similar set-ups located up and down the country.
With that in mind and after the Manchester location announced a comeback later this year – in a prime location on Deansgate, no less – the discussion surrounding the niche industry has turned to issues regarding animal rights, welfare and overall quality of life.
However, rather than simply firing back at the likes of the RSPCA and Cats Protection over their concerns and belief that these venues should be “phased out”, the company has come out to agree with their overarching point whilst still assuring that their sites “are different”.
As you can see in an extensive reply, the brand begins by writing: “We are in strong agreement that there needs to be more regulation in the industry, as we believe many cafes are operating in manners that are harmful to cats.”
They detail how they don’t support ventures that operate by simply piggybacking on vital animal rescue procedures, citing that around 90% of the UK’s cat cafes simply ship prospective pets in and out, creating a stressful environment for its furry residents.
In contrast, Cat Cafe MCR go on to insist that “cats in our cafes are pedigree, as they are best suited to an indoor-only environment [as opposed to rescues who often benefit from outdoor time], and they are bred for temperament, meaning our cats need a lot of attention from people, and also enjoy the company of other cats.
“Our cafes have windows for natural light and there is plenty of space off the cafe floor for cats to get away from customers. They are provided with enough resources spread out throughout a very large building to reduce any competitive behaviour. Our cats are never ever kept in cages – as is the case in some Cat Cafes.”
CCM also explained how the behaviour of their in-house cats is analysed weekly, adding that “if we feel any cat in our cafe is not happy and is showing signs of stress, we would immediately remove them from the environment.”
Besides the obvious soothing quality of the experience for regular customers, cafes like theirs and the canine equivalent CuppaPug in Salford are extremely helpful in providing animal-assisted therapy for people struggling with mental health conditions and those categorised as neurodiverse.
Cat Cafe drew their response to a close by inviting both of the charities in question to work with them in creating new guidelines and strict rules when it comes to animal welfare in these spaces.
They concluded by declaring that not only are they “incredibly difficult to run responsibly” when done properly but that “Cat Cafes are not all the same, and they should not be opened without serious thought and consideration for the cats’ welfare.”
We are still unclear as to when exactly Cat Cafe Manchester will reopen but all we know is that the team will be as dedicated to providing an enjoyable experience for both the animals and visitors when it does.
The Manc -
28th October 2020 
