Categories
Money Talks

Top tips for young people to maintain their credit rating for the future.

I know some of you may have done a few ‘AC’s’ in the past or were a bit reckless with the spending when you were younger. So we have created a list of a few tips that can help improve your credit rating.You may not feel like it is a big issue now whilst your young. however, when your older you may need to rely on credit more often.

Your credit rating is basically a score to show how well you are at paying money back to lenders. For example, if you defaulted on a previous payment this will affect your credit rating.

Here are some tips to take note of to improve your overall credit score.

1- Arrange all of your outgoing bills to be paid by direct debit, this will ensure that they are paid on time every month, which will help boost your rating.

2. Put your name on the electoral register, lenders like to see you on there for as long as possible.

3. Always read the terms and conditions when setting up a new credit agreement. Always check if there is anything that mentions any late payment fees etc.

4. Don’t change your current account too much, the longer you have had your bank account the better it shows on your credit report

5. If you have a credit card use it and pay it of quickly…. Only if you can trust yourself to manage your money effectively. This will demonstrate that you can manage your credit and pay your bills on time.

6. Don’t allow people to take out any credit in your name…. Trust us you do not want to have a county court judgement over your head.

7. Be aware that when you try to get credit in your name the lender will do a search on you. Too many searches will look bad on your credit file.

Try these tips out and good luck with your financial future guys😬

The Real Rise©

Categories
Uncategorized

The negative effects of living in a materialistic society.

We live in a society that encourages you to upgrade your phone every time a new model is released and to change your wardrobe to be in line with what’s popular this season.

It is a never ending cycle of you trying to keep up with the jones’s. Everyday from the moment we wake we are bombarded of images designed to make us spend our money on anything and everything.

The sad thing about living in a consumer society is that your life becomes a rat race as you spend most of your time working to pay for material goods. You have to ask your self the question, why do you want to be successful? Is it because you want to live in a nice house and be financially stable or is it because you want to help others, the list goes on.

When you do have a think about what drives you take into account that when it is all said and done your countless TVs and I phone will not be there to hold your hand or to re visit old memories with you. Our society is based on shallow morals and as a result the UK has become lost in its identity. Many people do get caught up in the consumer cycle and unfortunately sometimes end up in the depts of poverty surrounded by a house full of expensive goods. It’s crazy how some people can complain about being on the breadline whilst watching a 50inch smart TV.

So much emphasis is put on material goods that it distracts us from the real wealth in life. You are encouraged to buy a new TV rather than spend that same 700 pound on support for 1 homeless person. We are conditioned by advertising, to measure our happiness and success by our wealth and possessions.

In areas with high unemployment there are many shops that encourage bad spending habits such as cash converters and gambling shops. People in poverty are not taught how to manage money they are encouraged into debt. Luxurious goods are dangled in the face of the poor and as humans can be greedy of course some people will do whatever it takes to own goods that they simply cannot afford.

It’s funny that you don’t see no mass advertising for investments and money management etc the ruling class want us to spend our money on the toys they distract us with whilst they profit of our money. We spend our money on crap with no real value while the rich get richer. Poor people are not meant to know the tricks to make money they are purely taught how to spend it to make sure that the cycle of rich vs poor continues.

“Our enormously productive economy demands that we make consumption our way of life, that we convert the buying and use of goods into rituals, that we seek our spiritual satisfaction and our ego satisfaction in consumption. We need things consumed, burned up, worn out, replaced and discarded at an ever-increasing rate”
economist Victor Lebow

The Real Rise encourages entrepreneurship amongst young people. Teach yourself the skills that it takes to make a lot of money and share the knowledge amongst other young people rather then getting caught in the trap of consumerism.The government are not going to provide jobs for us so we will have to create them for ourselves.

Because people measure their success in life by material possessions, this can have a negative effect on poorer communities. The riots in London are prime example of how materialism can have negative effects. Politicians and middle class people were saying ‘ how can people destroy their own communities’ it’s very simple People simply took the opportunity to take things for free. No guilt involved just a simple free shopping trip. Some people may disagree with this point but after speaking to many young people who were involved we can say this is the general thought amongst most young people involved in the looting.

It is very plain to see, we are bombarded by advertisement ‘buy me, buy me’ and when there is a riot those goods that are advertised will be the targeted first. The looting was basically a 21st century version of a peasants uprising. No political demands just a straight ‘we are taking all your shit and we are going to cause the most disruption possible.

In conclusion to that point, young people need to get educated in order to stand up for their own rights and when that opportunity does arise again, young people as a community can represent themselves in a controlled manner and ensure change and a positive outcome.

Look up the following topics in order to educate yourself and form your own opinion about this topic.

– moneyless manifesto- free online book
– read up about materialism and consumerism

The Real Rise©

20140512-225534.jpg

Categories
Uncategorized

Welcome to The Real Rise Blog!

Welcome to my blog everyone!

It is the time when we as the generation of the future need to join forces and create new opportunities for ourselves. We need to change what is deemed as acceptable and go out and fight for our futures.

This blog is just the start of what will become a positive movement for young people to be involved in. We will be discussing controversial topics about issues in society that people tend to shy away from. We hope you will all get involved with what we are discussing here and we would love to see feedback on the issues raised.

Remember, we aim to keep it 100% Real… and may we all be on the Rise.

20140512-234034.jpg