Tag: cash

YouWare YouBase Launch: Build Professional Apps with Vibe Coding for Just $20/mo

I’ve spent the better part of the last few years testing nearly every “no-code” or “AI-coding” tool that hits the market. Most follow a predictable pattern: they wow you with a beautiful landing page generated in seconds, but the moment you try to build a real business—something with a login, a database, or a way to actually handle a customer’s data—you hit a brick wall. You realize you’ve built a “toy,” not a tool.

That changed for me when I started digging into YouWare. Since its launch in March 2025, YouWare has been on a mission to bridge the gap between pure creativity and complex code through what they call “vibe coding”. With 500,000 monthly active users and a $200 million valuation in under six months, the momentum is undeniable. But today, they’ve released something that finally moves the needle from “cool prototype” to “production-ready business”.

It’s called YouBase, and it is the missing piece of the vibe-coding puzzle.

The Foundation: What Makes YouWare Different?

Before we dive into the new backend power, it’s worth revisiting the YouWare experience. The platform’s core philosophy is that creativity belongs to people, and AI should simply be its extension. This is executed through an incredibly intuitive interface where you “vibe code” using natural language prompts rather than traditional code.

When I use YouWare, I’m not just shouting at a bot. I’m using a suite of features that feel like a professional development environment for non-coders:

  • Model Switching: I can flip between the most advanced coding models, including GPT-5-Codex or Claude 4.5 Sonnet, to find the right balance of speed and creativity for my specific project.
  • Visual Editing: If I don’t like a button’s color or a header’s text, I don’t need a prompt. I just click and change it directly on the canvas.
  • The Boost Feature: With one click, YouWare’s Agent refines the typography, layout, and animations, taking a project from “functional” to “professional-grade” in minutes.
  • Credit Care: This is a personal favorite for peace of mind. If the AI makes a mistake or I’m unhappy with a result, I can roll back the changes and get my credits automatically refunded. It makes experimentation feel entirely risk-free.

But as great as these features are for the “frontend”—the part your users see—the “backend” has always been the difficult part. That is, until now.

Enter YouBase: The Brain, the Vault, and the Cash Register

CEO Leon Ming and his team realized that AI coding creations needed their own space to live and function. YouBase is designed to be the “brain,” “vault,” and “cash register” of your application. It remembers who your users are (login), tracks what they do (stores data), and even helps you collect payments.

Here is a breakdown of why this is a game-changer for anyone trying to build a real side hustle or a small business tool.

1. Identity and Authentication

Most AI builders create static pages. If you want a user to “log in,” you usually have to figure out a complex integration with an external service. YouBase builds this in by default. Whether it is Email or Google Login, you can now distinguish between a “member” who sees their own order history and an “administrator” who sees the entire dashboard.

2. A Living Database

Imagine building a site for a local coffee shop. Previously, if the price of a Latte changed, you’d have to edit the code. With YouBase, you have a real database. You update a “Menu” table, and the price changes everywhere instantly. More importantly, it records every transaction. When a customer buys that Latte, the database logs it, allowing the owner to see real-time sales data on an admin dashboard.

3. The “Secrets” Vault

Security is often an afterthought in AI-generated code, but YouWare has made it a core priority. If you want to add an AI chatbot to your site using a ChatGPT API key, putting that key in the code is like taping your bank PIN to your front door. YouBase includes a “Secrets” feature that stores these keys securely on the server side. The bot works, but the key remains invisible to anyone visiting the site.

Killing the “Cloud Tax”

This is perhaps the most disruptive part of the announcement. If you look at competitors like Lovable or Replit, they often charge you twice: once for the coding tool and again for the “Cloud Credits” or “Compute Hours” to keep your backend running. These costs can balloon as you scale.

YouWare is taking a “price butcher” approach. They have integrated YouBase into the standard YouWare subscription. There is no “Cloud Tax”. Whether you grow ten-fold or stay small, your backend services and enterprise-grade database are included in the basic monthly plan. For a solopreneur who used to pay freelancers $500 to $5,000 for a custom site, being able to do this for about $20 a month is a massive shift in economics.

Why This Matters: From Toys to Tools

For too long, the narrative has been that vibe coding is just for prototypes. Critics argued that AI-generated code couldn’t support production environments or real business logic.

YouBase effectively ends that argument. By building its own backend and MCP framework, YouWare ensures that your app is “production-ready”. Its global network of over 300 nodes ensures that your code is deployed closest to the user, providing ultra-fast global access whether your customer is in San Francisco or Singapore.

I see this launch as the democratization of full-stack development. We are seeing users like Luciano, a physiotherapist in Brazil, building patient-tracking dashboards. We see Ashlyn, a community worker in the U.S., building professional websites for local businesses as a side hustle. These aren’t developers; they are people with ideas who now have the “vibe coding” tools to solve real problems.

Final Thoughts

To be honest, the most impressive thing about YouBase isn’t just the tech—it’s how human the experience feels. You don’t need to learn SQL or configure server permissions. You just tell the AI what you need: “Create a waitlist page to collect emails,” and YouBase handles the technical foundation by default.

YouWare is moving us into an era where “English is the new SQL”. If you’ve been sitting on an idea because you didn’t have the budget for a developer or the time to learn backend engineering, that excuse has just evaporated.

If you are ready to see what is possible, the timing could not be better. We are currently celebrating the YouBase launch with an event running from January 13th to 27th. It is the perfect window to dive in: we have opened a 7-day free trial so you can experiment with these backend powers risk-free, and we are offering 20% off annual plans for our early adopters. More than anything, we want to see your creativity in action. If you share your project on social media during the event, you will automatically be entered into our community challenge for a chance to win cash prizes.

 

Twelve South BookBook for iPhone 17 Pro Review

The Twelve South BookBook for the iPhone 17 Pro is more than just a case for your phone it makes a statement and is luxury all in one and will have people talking if out and seen placed on a table.

Crafted from premium, genuine full-grain leather this also doubles as a wallet and phone protector, it however will add bulk to your phone but for those who want something different this is it and it looks great feels premium and will protect your phone regrdless.

The BookBook can be split into two pieces ie a standalone case and a wallet which can hold up to 4 cards and a slot for cash underneath, this is not RFID protected so keep this in mind. You can still charge via MagSafe  (inner case) and also watch content without removing the device from the folio designed case.

Twelve South are known for high end goods and their cases no difference and with this case you can be sure your device is protected and it will look good no matter where it is placed especially if you are in a library where you would never know what was inside the case itself.

 

Key features of the MagSafe design:

  • Two Cases in One: The shell can be instantly detached from the outer leather wallet. This allows you to use your iPhone with a slim, protective case when you don’t need the wallet folio (e.g., at the gym, or for car mounting).
  • Charging Compatibility: The removable shell ensures flawless compatibility with MagSafe chargers, stands, and accessories without having to deal with the bulk of the full folio.
  • Viewing Stand: The folio also folds into a stable, hands-free viewing stand, perfect for watching videos or making FaceTime calls in both landscape and portrait orientations.

 

Features 

  • Full-grain leather wallet + iPhone case
  • Removable MagSafe compatible shell
  • Holds ID, cards, and cash
  • Folds into a hands-free stand

Questions

Is BookBook compatible with MagSafe?
Yes. The included inner shell works with MagSafe chargers and accessories when removed from the wallet folio.
Can I use the wallet and phone case separately?
Absolutely. The phone shell is fully removable and attaches magnetically. Use it on its own or together with the wallet.
What materials is BookBook made from?
BookBook is crafted from full-grain leather and finished with hand-stitched details. Each case will develop a unique patina over time.
Which models are available?
iPhone 17 Pro and iPhone 17 Pro Max.
How many cards can it hold?
BookBook is designed to hold up to 4 cards and some folded cash. Enough for daily carry, without the bulk
Does it have RFID protection?
No. BookBook focuses on form, function, and timeless design. If RFID protection is essential, we recommend using a separate card sleeve.

The First 90 Days After a Sale: The Make-or-Break Window for Your Cash Flow

For most small and medium businesses, the sale isn’t really the finish line. It’s the starting point of a delicate countdown — the first 90 days after the invoice goes out. Those three months quietly determine whether your business runs smoothly or spends the quarter scrambling to cover bills, pay suppliers, or delay projects because the money you earned hasn’t arrived yet.

It’s a window that doesn’t get talked about enough. Most teams focus on closing deals, delivering work, or delighting customers. But the period right after a sale is where your cash-flow story is written.

Why the First 90 Days Matter More Than Any Other Phase

Customers rarely pay late because of a dramatic issue. It’s almost always tiny things that snowball — the invoice got buried in someone’s inbox, a team member left, their internal approval process took longer than expected, or the client assumed someone else had handled it.

The longer an invoice waits to be seen or addressed, the more likely it is to drift into “later,” and later slowly drifts into “overdue.”

Here’s what makes the first 90 days the most critical period:

  • People are most responsive immediately after a purchase
  • Motivation to tie up loose ends fades quickly
  • Accounting cycles move slowly in many organizations
  • Internal approvals often stall without reminders
  • Early lapses become harder to correct after multiple billing cycles

If your business doesn’t have a structured follow-up rhythm built into those first three months, your chance of getting paid on time shrinks with each passing week.

Early Engagement Sets the Tone for Payment Behavior

The first few days after a sale are when your customer experience is at its highest point. They’ve just chosen you. They’re happy. They’re invested. It’s the perfect moment to reinforce expectations — including how and when payment happens.

SMBs often hesitate to emphasize payment terms too directly, but clarity isn’t rude. It’s professional. And setting clear expectations early doesn’t just help you get paid sooner; it builds trust.

Simple things make a big difference here:

  • Sending a friendly “next steps” email immediately after the sale
  • Reiterating payment terms in plain language
  • Giving customers multiple payment methods
  • Clarifying who approves invoices on their side
  • Asking for the best billing contact before the first invoice goes out

These steps don’t feel like “collections.” They feel like organized onboarding — and customers appreciate it.

What Happens When the First 30 Days Are Quiet

If there’s one period where businesses lose control of their cash flow, it’s days 1–30 after the invoice goes out. Not intentionally — they’re just busy. The team jumps into delivery, support, fulfillment, you name it. The admin part of the sale gets pushed to the background.

Meanwhile, the customer is equally distracted, and the invoice gets buried under their own pile of priorities.

This is when many invoices unintentionally slip into overdue territory, not because someone refused to pay, but because no one was paying attention.

So the pattern goes like this:

  • Week 1: “We’ll pay it soon.”
  • Week 2: “I’ll get to it tomorrow.”
  • Week 3: “What was that invoice number again?”
  • Week 4: “We’ll add it to next month’s batch.”

A simple, consistent process prevents that slide before it even starts.

The 60-Day Mark: Where Cash Flow Gets Shaky

Once an invoice hits 60 days overdue, you’re in a danger zone. Not because the customer is unreliable — but because human psychology starts working against you.

At this point:

  • They might feel embarrassed they haven’t paid
  • They’re less likely to respond quickly
  • The invoice is no longer fresh in their mind
  • Their internal cycle has rolled over
  • The “I’ll deal with it later” instinct strengthens

And for your business, everything starts tightening. Cash flow planning gets blurry. Investments get delayed. Suddenly you’re juggling instead of growing.

Why Some Invoices Drift Into “Never Paid” Territory

Here’s the uncomfortable truth most SMB owners eventually learn: the older an invoice becomes, the harder it is to recover.

After 90 days, payment probability drops sharply. After 120 days, the odds get grim. By the time you hit 180 days, it often isn’t about collections strategy anymore — it’s about damage control.

Most silent non-payers don’t set out to become non-payers. They drift into it. The communication fades, the urgency fades, and finally the relationship fades.

But all of this is preventable with the right structure in that early 90-day window.

The Power of Routine (Even If You Hate Reminders)

A consistent follow-up rhythm saves SMBs more than they realise. It reduces the emotional exhaustion of chasing payments and creates a steady, predictable pattern your customers come to expect.

The most effective rhythms usually include:

  • Automatically sending reminders before the due date
  • A check-in a few days after the invoice goes out
  • One reminder at the halfway point
  • A friendly nudge on the due date
  • A firmer message if the invoice becomes overdue
  • Clear escalation steps if it continues beyond 30 days

This is where account receivable automation software quietly becomes the behind-the-scenes hero. It’s not about being aggressive; it’s about staying consistent even when your team is swamped.

Turning the First 90 Days Into a Cash Flow Advantage

When you build structure into that crucial 90-day period, everything downstream gets easier:

  • Cash flow becomes predictable
  • Customer relationships stay healthier
  • You avoid the shame-and-silence spiral of late payments
  • You catch issues early instead of wrestling with them months later
  • You spend less time chasing and more time growing

The first 90 days aren’t just an admin phase. They’re an opportunity — the chance to turn a sale into revenue without friction or worry.

The Window You Can’t Afford to Ignore

Every business owner knows closing deals is essential. But turning deals into timely, reliable cash is what keeps the lights on and growth steady. The first 90 days after a sale are where that transformation happens — or where it falls apart.

With the right communication, consistent follow-ups, and a system that takes the pressure off your team, that window becomes less of a risk and more of a strength.

 

The Cash King Video Slot Review at Red Dog Casino

Overview of The Cash King Slot

The Cash King video slot is a popular game at Red Dog Casino. It offers players a fun and exciting experience. The slot is easy to understand and has great chances to win.

Theme and Graphics

The game features a classic money theme. Symbols include cash stacks, gold coins, dollar signs, and lucky sevens. The colors are bright with gold and green dominating the screen. The graphics are clear and sharp. Animations are smooth and add energy to every spin. The background music fits well, creating a lively atmosphere without being distracting.

Developer and Release Date

This slot was developed by a well-known game maker. It uses modern technology to ensure smooth gameplay on all devices. The game was released recently, so it includes updated features and design elements. The developer focuses on fair play and player satisfaction.

Feature Details
Developer Trusted game creator
Release Date Recent
Technology HTML5 for smooth play
Device Support Mobile and desktop ready

 

How to Play The Cash King Slot

Playing this slot is simple. It suits both beginners and experienced players. The controls are easy to find and use.

Paylines, Symbols, and Payout Structure

The Cash King slot has 5 reels and 25 paylines. Paylines are fixed, meaning all 25 lines are active every spin. Players win by matching symbols from left to right on these lines.

Main symbols include:

  • Cash stacks
  • Gold coins
  • Dollar signs
  • Lucky sevens
  • Card suits (hearts, spades)

The cash stacks symbol pays the highest. Landing five cash stacks in a row offers a big payout. Other symbols pay less but appear more often.

Symbol 3 Matches 4 Matches 5 Matches
Cash Stacks Medium High Jackpot
Gold Coins Low Medium High
Dollar Signs Low Medium Medium-High
Lucky Sevens Low Low Medium
Card Suits Low Low Low

 

Special Features and Bonus Rounds

The Cash King slot has special features to boost winnings:

  • Wild Symbol: Substitutes for other symbols to create wins.
  • Scatter Symbol: Triggers free spins when 3 or more appear anywhere.
  • Free Spins Bonus: Gives extra spins with possible multipliers.
  • Bonus Game: Unlocks a special round with extra rewards.

These features add excitement and increase winning chances. The bonus game is fun and offers big rewards if lucky.

Betting Options and RTP (Return to Player)

The Cash King slot fits different player budgets. Betting starts low, making it ideal for beginners. High rollers can bet more for bigger wins.

Bet Size Minimum Maximum
Per Spin $0.10 $100

 

The RTP is 96.2%. This means on average, players get back $96.20 for every $100 bet. This RTP is fair and typical for slots, giving good chances to win.

Strategies and Tips for The Cash King Slot

Slots mostly rely on luck. Still, here are some tips for better play:

  1. Start with small bets to learn the game.
  2. Use free spins and bonuses to play more without extra money.
  3. Watch your bankroll and set limits.
  4. Try different betting amounts to find your comfort zone.
  5. Play regularly to get familiar with the bonus rounds.

Following these tips can make your gameplay more enjoyable and safer.

Playing The Cash King at Red Dog Casino

Red Dog Casino makes it easy to play The Cash King slot. The site is user-friendly and secure.

How to Access the Game on the Website

To play The Cash King slot:

  • Visit the Red Dog Casino website.
  • Use the search bar and type “The Cash King video slot.”
  • Click the game icon to open it.
  • Choose demo mode or real money mode to start playing.

The game loads quickly and is ready to play in seconds.

Mobile Compatibility and User Experience

The Cash King slot works well on all devices. It uses HTML5 technology for smooth play.

Advantages of playing on mobile and desktop:

  • No download needed; play right in the browser.
  • Responsive design fits all screen sizes.
  • Fast loading times and smooth animations.
  • Same features and bonuses on all devices.

This makes it easy to enjoy the game anytime, anywhere.

Final Verdict: Is The Cash King Slot Worth Playing?

The Cash King slot is a solid choice for slot fans. It has a fun money theme and clear graphics. The game is easy to play and offers good chances to win.

Pros and Cons

Pros Cons
Bright, attractive visuals No progressive jackpot
Simple gameplay Limited paylines compared to some slots
Exciting bonus features RTP could be higher

 

In conclusion, The Cash King slot at Red Dog Casino offers a fun and rewarding experience. The mix of special features and fair RTP makes it a good pick for many players. If you like classic money themes with modern gameplay, this slot is worth trying.

To try your luck, play The Cash King video slot now at Red Dog Casino: https://reddogcasino.com/game/the-cash-king-video-slot-10518.

Sell Smarter, Earn Faster: The Best Platforms to Turn Your Video Games into Cash

Video games have become an essential part of modern entertainment. Gamers spend hours playing their favorite titles, and over time, they may accumulate a collection of games that they no longer play. Instead of letting these games sit unused, why not turn them into cash? With the rise of various online platforms, it’s easier than ever to sell your video games and make some extra money.

Whether you’re cleaning out your game shelf or upgrading to the latest releases, selling your used games can be a great way to recoup some of your investment. This article will explore the best platforms to turn your video games into cash, highlighting the most effective ways to sell smarter and earn faster.

Why Sell Video Games?

Video games, much like other forms of entertainment, have a lifespan. Some games, especially physical copies, lose value over time as new versions and titles are released. However, this doesn’t mean that your old games have to sit around gathering dust. By selling them, you can get some return on your original investment and help another gamer enjoy the games you no longer play.

Additionally, as the gaming industry continues to evolve, the demand for both physical and digital games remains high. So, whether you’re a casual gamer with a few extra games or a hardcore collector with shelves full of titles, selling your games can give you the flexibility to refresh your collection without breaking the bank.

The Best Platforms for Selling Video Games

When it comes to selling your video games, choosing the right platform can make all the difference. Below are some of the best platforms where you can sell your games, get fast cash, and make the most out of your sales.

  1. Paymore: A Leading Option for Instant Cash

One platform that has gained attention in recent years for buying and selling video games is Paymore. Paymore offers an easy-to-use online service that allows you to sell your used video games quickly and efficiently. The platform stands out for its user-friendly process, fast payment, and competitive pricing.

Paymore operates straightforwardly: you simply list your games on their website, get an instant offer, and ship the games to them for free. Once your games are received and verified, Paymore processes the sale and sends your payment via your chosen method, such as PayPal, check, or direct deposit. This no-hassle approach makes it easy to turn your unwanted video games into cash without the stress of negotiating with buyers or worrying about shipping costs.

What sets Paymore apart from other platforms is its focus on customer satisfaction. Many users have reported positive experiences with the platform, citing its transparent pricing and fast transactions. Whether you’re selling a single game or an entire collection, Paymore provides a convenient and reliable service that makes the process of selling your games both easy and profitable.

  1. eBay: The Marketplace for Gamers

For those who are looking for a broader market for their video games, eBay is an excellent option. As one of the world’s largest online marketplaces, eBay allows you to sell both physical and digital games to a global audience. The platform provides a bidding system where you can set your price or let buyers compete for your items.

Selling on eBay gives you the freedom to list your video games however you like. You can create detailed listings, upload images, and set competitive prices. While it may take a little longer to sell compared to platforms like Paymore, the potential to reach buyers worldwide is a huge advantage for those with rare or collectible titles.

  1. GameStop: The Big-Box Retailer with a Trade-In Program

If you’re looking for a quick way to sell video games and don’t mind receiving store credit, GameStop’s trade-in program is a convenient option. GameStop allows gamers to sell or trade their old video games, consoles, and accessories for cash or store credit. The process is simple: you bring in your games, receive an offer, and either walk out with cash or use the credit toward purchasing new games or gaming equipment.

GameStop often runs promotions where they offer bonuses for trading in certain titles, making it a great choice for gamers who want to sell their games and buy something new on the same day.

  1. Amazon: Selling Games to a Massive Audience

Amazon, the world’s largest online retailer, also offers an option for selling video games through its trade-in program. Like eBay, Amazon gives sellers access to a massive audience of potential buyers, but the trade-in process is far simpler. You can list your games, receive offers, and accept them directly through Amazon’s platform.

What sets Amazon apart is its ability to handle the entire transaction, including shipping and payments. This streamlined process takes the hassle out of selling video games, especially for those who want a quick and easy transaction.

  1. Facebook Marketplace: Local Selling Made Easy

For gamers who prefer to sell their video games locally, Facebook Marketplace offers a simple solution. You can list your games for sale in your local area, and potential buyers can contact you directly to negotiate prices or arrange pick-ups. This eliminates the need for shipping, and since there are no fees for listing or selling on Facebook Marketplace, you can keep all your earnings.

The downside to Facebook Marketplace is that you might have to deal with haggling or meet-ups with buyers, but if you’re comfortable with local transactions, this platform can be a quick and easy way to sell your games.

  1. Decluttr: Simplifying the Selling Process

Decluttr is another online platform that makes selling your video games easy. After entering the titles you want to sell on their website, you’ll receive an instant offer. If you accept, you can ship the games to Decluttr, and once the items are received, you’ll be paid quickly via PayPal or direct deposit.

Decluttr is ideal for gamers who want a no-hassle experience and are looking for a guaranteed cash offer. The platform accepts a wide range of video game titles, including DVDs, Blu-rays, and more, making it a versatile option for selling multiple forms of media.

  1. Mercari: A Mobile Marketplace for Gamers

Mercari is a popular mobile app that allows users to sell a variety of items, including video games. The platform is user-friendly, and listing items is simple. You can take photos of your games, write descriptions, and set your price—all from your smartphone.

Mercari’s convenience makes it a solid option for gamers who prefer to sell their games on the go. However, keep in mind that Mercari takes a small percentage of your sale price as a commission, so you may want to factor that into your pricing strategy.

How to Maximize Your Earnings When Selling Video Games

Selling your video games is only half the battle—getting the best price for them is the other half. Here are some tips to help you maximize your earnings when selling:

  1. Research Market Prices: Before listing your games, take the time to check current prices for similar titles. Platforms like eBay can give you an idea of what buyers are willing to pay, so you don’t undersell your games.
  2. Provide Detailed Descriptions: When listing your games, be as specific as possible. Include details like the condition of the game, whether it comes with the original case, and any special features or editions. The more transparent you are, the more likely you are to get a good offer.
  3. Take Quality Photos: High-quality photos can make a big difference when selling your games. Take clear, well-lit photos of the front and back of the game, as well as any included accessories. This will help buyers feel confident in their purchase.
  4. Clean Your Games: If you’re selling physical games, take the time to clean the discs or cartridges. This ensures they work properly and can help increase their value.
  5. Check for Limited Editions or Collectibles: Some video games have limited editions or collectible versions that can fetch a higher price. If you’re selling a rare or special edition game, be sure to highlight that in your listing.

Conclusion

Selling your video games can be a quick and easy way to earn cash while making room for new titles in your collection. With platforms like Paymore, eBay, GameStop, and more, you have a variety of options to get the best price for your games. By choosing the right platform and following best practices for listing your games, you can ensure that you get the most value for your old titles.

Whether you’re looking to sell a few casual games or part with rare collectibles, these platforms give you the tools to turn your video games into cash in no time.

PayPal study: Almost half (46%) of Irish consumers would prefer to send money to family and friends to avoid buying Christmas gifts

PayPal has announced the findings of a new study which found that almost half (46%) of Irish consumers would prefer to send money to family/friends so they wouldn’t have to buy gifts this Christmas. This preference was most popular among Gen Z respondents (50%).

The research—conducted by Censuswide and involving 1,001 consumers across Ireland—also revealed that more than three-quarters (78%) would prefer to spend quality time with friends and family rather than buying them gifts this Christmas. This time, Gen X was most inclined to express this sentiment (81%).

Festive finances & not-so-silent nights

Despite the implied desire to move away from the tradition of buying Christmas gifts, the average expected spend per person on presents came in at €525. When it comes to the counties, people from Carlow (€780), Kildare (€692), and Meath (€674) expect to spend most.

Furthermore, 49% of people surveyed feel under pressure to spend more than planned/budgeted based on what others are spending. It also appears that people are eager to get their Christmas shopping, with two-thirds (66%) predicting they will have theirs finished by the second week of December. Just 14% appear to be last-minute shoppers, completing their purchases during Christmas week or on Christmas Eve.

As well as gifting, 47% of Irish consumers surveyed expect to spend more on social events and gatherings this festive season. The average anticipated spend was estimated to be €339, with respondents from Kildare (€428), Dublin (€385) and Mayo (€376) set to spend most on such outings.

Sharing is caring

Given the expectations around spending, there seems to be a shift towards sharing the load – and cost – when it comes to gifting. In fact, 63% of Irish consumers surveyed will engage in bill-splitting or group purchases.

The top bill splitting activities were revealed to be nights out (47%), family gifts (37%), and Christmas dinner (35%). When paying people back, 46% of people typically round up, while just over a third (36%) would pay people back to the exact cent.

At the other end of the scale, 45% revealed that they have previously not been paid back by friends or family for a gift or activity during the festive season. Moreover, 58% felt too awkward to ask for money they were owed, so they didn’t mention it.

Loud budgeting

Something people aren’t feeling awkward about is loud budgeting (being honest with others about their finances) – with 47% saying they would feel comfortable telling friends or family they haven’t budgeted for a specific activity or gift and almost a third (32%) having told friends as much previously over the festive season.

Speaking about the findings, Jonas Breding, General Manager Northern Europe, PayPal, said: “While it is a time of year when people are spending and when some are feeling more financial pressure than usual, people’s preferences and behaviours are changing. As well as more convenient and cost-effective ways of treating friends and family at this time of year, people are also opting to do activities with, rather than buying things for their loved ones.

“Consumers in Ireland want to make the most of the festive season, but they also want to be smart and realistic regarding their budgets. We know that being able to send money or split bills via person-to-person payments is important, as well as feeling empowered and vocal when it comes to priorities for this festive season.”

The Benefits of Using Invoicing Software for Your Business

Businesses today face numerous challenges when managing their finances, and invoicing is one area where many organizations struggle. Manual invoicing processes can be time-consuming and error-prone, leading to cash flow problems and unhappy customers. Invoicing software streamlines this process, giving businesses the tools to manage their billing efficiently and effectively. Several features and benefits of invoicing software include automation, improved accuracy, enhanced reporting capabilities, and increased professionalism. Choosing the right invoicing software can significantly improve operational efficiency and contribute to building better relationships with clients.

Streamlining Invoice Creation

Creating invoices can often be laborious and prone to mistakes when done manually. Invoicing software offers templates and customizable options, allowing businesses to quickly and easily create professional-looking invoices. Users can input product details, pricing, and customer information, and the software automatically calculates totals, taxes, and discounts. This saves valuable time and ensures accuracy—reducing the risk of disputes or delays in payment. One of the trusted Prime Software options available can significantly simplify this critical business function. Most invoicing software allows for recurring invoices, meaning businesses can automate billing for regular clients. This feature particularly benefits service-based companies with subscription models or ongoing contracts. Automating these processes frees staff to focus on more strategic tasks rather than spending hours on administrative work.

Enhancing Payment Tracking

One of the challenges businesses face is keeping track of payments and outstanding invoices. Invoicing software often includes payment tracking features that provide a real-time view of receivables, allowing companies to monitor their cash flow effectively. Users can see which invoices have been paid, which are overdue, and how long payments typically take. This transparency helps companies identify trends and adjust their billing processes accordingly. Moreover, many invoicing platforms integrate with payment systems, enabling clients to pay invoices directly online. This convenience can significantly expedite payment times, improving cash flow for the business. By efficiently tracking payment history and patterns, companies can make informed decisions about credit policies and which customers to target for follow-ups.

Increasing Professionalism

Professionalism can significantly influence a company’s image and customer relationships. Using invoicing software elevates the quality of invoices sent to clients, portraying a competent and organized business. High-quality, customized invoices with branding elements like logos and colors can create a memorable impression. Furthermore, personalizing communication in the invoices, such as including messages or terms, can enhance client relationships. An automated reminder system can also maintain communication with clients regarding payments, showing that a business values professionalism in its financial dealings. In an increasingly competitive market, establishing a cohesive brand image through invoicing becomes essential in gaining clients’ trust and loyalty.

Improving Financial Reporting

Having access to insightful financial data is integral to making wise business decisions. Invoicing software generally provides users with powerful reporting functionalities that allow easy access to critical financial metrics. Businesses can run reports on outstanding invoices, payment trends, and revenue forecasts, which can help in budgeting and strategic planning. Some advanced platforms even offer customizable reports, enabling users to focus on specific areas of interest. This level of reporting can lead to enhanced forecasting accuracy and better cash flow management. With detailed reports, decision-makers can identify their top clients and common payment delays and adjust their strategies to optimize financial performance. Therefore, invoicing software can transform data into valuable insights that propel businesses toward growth and stability.

Reducing Errors and Disputes

Error-free invoicing is fundamental for maintaining solid relationships with customers. Manual invoicing methods are susceptible to mistakes, often leading to payment disputes and frustration. Invoicing software significantly reduces this risk by automating much of the invoicing process. The automated calculations and data entry features minimize the likelihood of human error. Moreover, software typically allows for pre-approval of invoices, ensuring all details are accurate before they reach the client. An organized digital record can help clarify misunderstandings quickly and efficiently during disputes. Therefore, businesses can maintain trust and satisfaction among their clients, reinforcing long-term relationships critical for sustainability.

Encouraging Faster Payments

Receiving payments promptly is vital for maintaining healthy cash flow. Invoicing software can implement features that foster quicker payment cycles. Many platforms support multiple payment options, enabling customers to pay through their preferred method: credit: credit card, ACH transfer, or online payment services. The convenience of readily available options removes barriers and encourages prompt payments. Furthermore, automated reminders can notify clients about upcoming or overdue invoices, gently nudging them to make payments without feeling pressured. These features significantly shorten the average payment cycle, improving the overall financial health of businesses. Ultimately, quicker payment collections lead to better resource allocation and growth potential.

Boosting Remote Work Capabilities

As businesses navigate remote work challenges, reliable tools are increasingly critical. Invoicing software often offers cloud-based solutions that allow access from anywhere. Teams can collaborate on invoices, track payments, and generate reports regardless of location. This flexibility enhances productivity and ensures billing cycles remain unaffected by geographical limitations. Additionally, cloud storage creates a secure environment for sensitive financial data, reducing the likelihood of loss. Organizations can implement invoicing practices that remain agile and adaptable, aligning with the modern work environment. Therefore, investing in invoicing software is essential, especially for remote teams, as it maintains efficiency and accountability.

Facilitating Tax Preparation

Tax season can be stressful for many businesses, but proper invoicing software can simplify this process considerably. Comprehensive invoicing platforms often include features that track sales tax automatically, ensuring compliance with local regulations. By storing all financial data in one system, businesses can quickly access income information and expenses related to invoicing for tax reporting. This centralized approach reduces the time and hassle of sorting paper invoices or disparate systems. Additionally, reports generated throughout the year can help business owners identify deductible expenses and optimize their tax strategies. By utilizing invoicing software, organizations can confidently prepare for tax season, knowing their data is organized, accurate, and readily accessible.

Taking Control of Cash Flow Management

Effective cash flow management is a cornerstone of business sustainability. Invoicing software plays a crucial role by providing businesses with the tools to monitor their financial health continuously. Features such as cash flow insights, real-time updates on outstanding invoices, and trend analyses can help owner-managers understand better how money moves in and out of their businesses. With the ability to forecast cash flow based on upcoming invoices and historical payment patterns, business leaders can anticipate needs and adjust strategies accordingly. Implementing invoicing software can improve liquidity, which is essential for meeting payroll, settling debts, and reinvesting in growth opportunities. By leveraging the insights provided by invoicing software, businesses enhance their capacity to navigate financial ups and downs seamlessly.

 

 

Utilizing invoicing software brings numerous benefits that can significantly enhance the functionality of a business. The efficiency gains are undeniable, from streamlining invoice creation to improving payment tracking. The professional image created through high-quality invoices can refine the client experience and establish trust. Enhanced reporting capabilities empower businesses to make data-driven decisions while error reduction fosters more robust relationships. Furthermore, features encouraging faster payments are vital in cash flow management. As the business landscape evolves, partnering with trusted invoicing solutions remains crucial for long-term success.

 

Cash for tech trash – but are Irish consumers ready?

New research commissioned by Europe’s leading online destination for buying and selling refurbished iPhones, Swappie has highlighted the fact that Irish people are a nation of hoarders, at least when it comes to tech. This latest survey, conducted by market research company, Kantar shows that while 47% of Irish people are aware they can sell their old iPhone, they hadn’t considered doing so.

Despite an increased awareness and appreciation among consumers for the refurbished tech industry, it appears people haven’t quite got their heads around the ease of selling their old smartphone and the rewards that come with doing so. Of the 1,000 people surveyed between March and April of this year, 48% of respondents with a broken smartphone did not know they could get cash for it.

In fact, when it comes to passing on old devices only 21% said they would consider selling their old smartphone to an online store, preferring instead to sell to a friend or relative (45%), to an electronics or retail store (37%) or to another consumer via a marketplace (35%).

Most interestingly for companies like Swappie, whose end-to-end model hinges on consumers’ willingness to part with old tech, is the indication that individuals seem determined to hold on to old devices whether they are fully functional or faulty. More than half of respondents (56%) wanted to keep their functioning device as a spare phone however 1 in 4 simply felt it was too much effort to sell the device.

The recent launch of Swappie’s Premium Series addressed consumer concerns around the cosmetic quality and battery life of refurbished smartphones. In the same way, refining the company’s resale and refurbishment offering from a procedural perspective looks to drive the circular message home.

“Improving our resale and refurbishment offering is key to ensuring consumers get the most out of their old tech. We want people to understand that even if the device is faulty or broken – we can put it to use! That’s a key component of the circular model. We receive iPhones in all kinds of conditions, but our dedicated experts in Europe can refurbish whole handsets or repurpose old parts to give tech that would otherwise sit in a drawer a new life. Recently, we’ve improved the efficiency of our resale site, lowered shipping costs and made a whole host of minor – but essential, improvements to ensure it’s as simple and efficient as possible to sell your old iPhone to Swappie.” Luisa Vasconcelos e Sousa, Country Manager for Ireland.  

One in five people in Ireland never carry any cash

One in five people in Ireland never carry any cash and of those that do, almost one-third (30pc) carry €20 or less. This is according to a new survey[1] by Royal London Ireland, one of the leading life insurance and pensions companies in Ireland.  Furthermore, men are more likely than women to never carry cash (24pc of men versus 16pc of women). Of those who do carry cash however, men tend to carry higher amounts on them than women.

The Royal London Ireland survey, which examined the use of cash by people in Ireland, found that the top five reasons people needed cash regularly was to pay for small daily grocery items such as milk and bread (58pc), to pay service providers who prefer cash (38pc), to buy lunch or take-away coffee or tea (34pc), to give tips (32pc), and to donate to charity (27pc).

Other highlights from the survey include:

  • Almost one in five people (19pc) carry more than €100 regularly.
  • People in Leinster appear to be the least likely to carry cash. One in four people in Dublin (25pc), and almost a third of people in the rest of Leinster (28pc) say they never carry cash. By contrast, only one in ten (10pc) of those living in Ulster and Connacht never carry cash.
  • 50pc of people aged 18-24 said they never carry cash, while just 10pc of people aged 55 or older said the same.

Commenting on the survey findings, Barry McCutcheon, Proposition Lead at Royal London Ireland said:

 

“We’ve seen an increase in cashless payments in Ireland in recent years[2], so the numbers of people who carry very little cash, or any at all, is unsurprising. Despite the increasingly digital nature of Irish banking and payment systems in recent years, we can see from the survey findings that cash still plays an important role in Ireland’s society and economy, with many people relying on it when going about their day-to-day routines. This balances with a European Central Bank survey in 2022 which showed that the majority (54pc) of Irish consumers’ in-store transactions were in cash[3].

 Our survey gives weight to the assertion that the younger you are, the less likely you are to carry cash. Findings from the survey revealed that half (50pc) of those aged between 18 and 24 say they never carry cash compared to only one in ten (10pc) people aged 55 or over”.

The Need for Cash

Mr McCutcheon observed,

“It’s clear that there is a need for cash, with 80pc of people surveyed carrying some amount daily. The survey sheds some light on just why people carry cash and we found that the top three reasons were: to pay for small daily grocery items such as milk or bread (58pc), to pay service providers who prefer cash (38pc), and to buy take-away lunch, coffee or teas (34pc). It would appear that pocket money in the form of cash hasn’t gone out of fashion either – more than a quarter of people (27pc) between the ages of 35 and 54, the age cohort likely to have children, carry cash for this reason”.

Mr McCutcheon concluded:

“In the Department of Finance’s published Retail Banking Review[4], a recommendation was made for legislation to be introduced to safeguard the reasonable access to cash. It is clear from our research that for many, there are times when only cash will do.

Whether you are someone who prefers using cash or not, tracking and managing your finances is important when it comes planning your financial future.  If you are looking for advice about financial planning, a Financial Broker can help you assess your current situation and put a personalised plan in place that meets your individual needs and circumstances.”

[1] Of 1,000 Irish adults nationwide carried out by IReach

[2] As per the latest Payment Monitors Report from the Banking and Payments Federation of Ireland, which was published on 29/6/2023, and release in relation to same.

[3] As per ECB study on the Payment Attitudes of Consumers in the Euro Area, published in December 2022.

[4] See Retail Banking Review, published November 2022..