Tag: savings

The Path Toward Financial Stability

Financial stability often feels like a long term goal that is always just out of reach, especially when life is full of unpredictable expenses, fluctuating income, or debt that refuses to shrink. But financial stability is not a destination reached in one giant leap. It is a path built through consistent habits, thoughtful planning, and steady progress. By learning to manage income responsibly, reduce unnecessary costs, and build savings intentionally, anyone can move toward a more secure financial future. For some people, seeking help from the top rated debt settlement companies becomes part of that journey, but stability ultimately comes from sustainable financial behaviors practiced over time.

When you look closely, you realize that financial stability is less about how much money you earn and more about how well you use what you have. People with high incomes may struggle to stay afloat if they spend beyond their means, while people with modest incomes can build impressive savings through disciplined habits. The key is developing a clear picture of your financial situation and making decisions that support long term goals instead of short-term impulses.

The path toward financial stability is not about perfection. It is about understanding where you are financially, identifying your strengths and weaknesses, and creating systems that keep you moving in the right direction even when life gets complicated. Small actions, practiced consistently, lead to big results over time.

Understanding Your Financial Starting Point

Before making any financial changes, it is essential to understand your starting point. This means taking an honest look at income, expenses, debt, and savings. Many people avoid examining their finances closely because it feels intimidating, but clarity is the foundation of control.

Creating a simple budget is a great first step. Listing your expenses reveals areas where small adjustments can free up more money for savings or debt repayment. Tracking spending for a month or two can be eye opening, especially when you discover patterns you were not aware of.

Understanding where your money goes helps you make intentional decisions and prevents financial surprises from constantly throwing you off course.

Managing Expenses with Intention

Once you know your expenses, the next step is managing them intentionally. Financial stability does not require eliminating all enjoyable spending, but it does require aligning your spending with your priorities. Many people spend money reflexively, without thinking about whether it supports their goals.

Cutting unnecessary expenses, negotiating bills, or switching to more affordable services can create financial breathing room. Even small monthly changes add up significantly over time.

The Consumer Financial Protection Bureau offers helpful tools for tracking spending and creating realistic budgets that can guide you toward more mindful financial choices.

Developing a Savings Habit

Savings is one of the most important pillars of financial stability. It provides protection against emergencies, helps fund future goals, and reduces dependence on debt. The goal is not to save huge amounts overnight but to build a consistent habit.

Even small amounts saved regularly offer long term benefits. Automating savings is one of the easiest ways to set money aside without relying on willpower. Whether you are building an emergency fund, saving for a goal, or setting aside money for retirement, consistency is far more important than perfection.

The Federal Reserve’s research on household financial well-being highlights how even small financial cushions significantly reduce stress and improve long term decision making. Saving money steadily gives you more confidence and more options during unexpected challenges.

Reducing Debt Strategically

Debt is one of the major obstacles to financial stability. High interest debt, especially from credit cards or loans, can drain your income and prevent you from saving. Reducing debt strategically helps free up money for other financial goals.

There are several proven strategies for debt reduction, such as paying off the smallest balances first for momentum or targeting high interest debt to save more in the long run. Some people combine these approaches.

Debt consolidation or working with reputable professionals can also be helpful, as long as the solutions align with your long-term goals. The important part is staying consistent and avoiding taking on new unnecessary debt during the process.

Preparing for Financial Uncertainty

Life is unpredictable, and financial stability requires preparing for uncertainty. Emergency funds, insurance coverage, and flexible budgets all contribute to more security. Without preparation, even small, unexpected expenses can throw your finances off balance.

Creating a financial cushion takes time, but even a few hundred dollars saved can reduce stress substantially. Over time, building a larger buffer offers even more resilience.

Regularly reviewing your insurance policies, workplace benefits, and financial obligations helps you adapt to life changes and stay financially protected.

Continuous Learning and Financial Growth

Financial stability is not a one-time achievement. It is an ongoing process that evolves with your life. Careers change, families grow, and priorities shift. Understanding personal finance and continuing to learn empowers you to adapt to these changes confidently.

Reading trustworthy financial resources, attending workshops, or using educational tools can help you stay informed. Many people learn new financial skills by managing their money more intentionally or talking openly with others about financial experiences.

Staying curious and open to learning helps you build long term financial wisdom rather than relying on trial and error.

Staying Consistent and Patient

Financial stability requires patience. Progress does not happen overnight, but consistent actions bring meaningful long-term results. Celebrating small wins along the path helps you stay motivated. Whether you paid off a small debt, saved a little more than usual, or stayed within your budget for the month, each step contributes to greater security.

Financial stability is not about wealth; it is about confidence, security, and the freedom to make choices without fear. It is about knowing you have the tools and systems to handle whatever comes next.

Moving Forward With Confidence

The path toward financial stability is a journey built on awareness, intention, and consistency. By understanding your financial situation, managing expenses wisely, building savings, reducing debt, and staying committed to learning, you create a strong foundation for long term financial well-being.

No matter where you start, you can move forward with confidence. Stability grows through steady progress, thoughtful decisions, and a willingness to stay engaged with your financial life. With each step you take, you shape a more secure and empowered future.

 

Viltrox Unlocks Full Imaging Ecosystem for Creators for Black Friday

Viltrox is pleased to announce exclusive sitewide savings on the company’s acclaimed LAB, Pro, EVO, Air, Raze, and EPIC lenses, plus lighting and monitoring products, celebrating a decade of innovation in imaging technology. These special Black Friday prices will only be available from November 20th to December 1st, 2025.

As the festive season approaches, Viltrox invites creators worldwide to embrace the spirit of creativity and storytelling with its Black Friday 2025 Sale. Featuring 20% price reductions across all categories, from premium autofocus lenses to compact lighting and monitoring systems, the event continues Viltrox’s mission: to make professional imaging tools accessible to every creator. The Viltrox ecosystem spans the entire creative process from capture to creation, and supports major mounts including Sony E, Nikon Z, Fujifilm X, DJI DL, and PL.

 

LAB / Pro / EVO / Air Series: Autofocus lenses for every vision

Designed for photographers and hybrid creators, the Viltrox LAB, Pro, EVO and Air series of lenses cover the full focal range, with fast F1.2 / F1.4 / F1.8 apertures, and more. They offer superb optical performance and color accuracy across E, Z, and X mounts.

 

Viltrox’s LAB Series are flagship lenses that deliver exceptional sharpness, refined color rendition, and robust build quality for professional demands.

 

The Pro Series is built for hybrid shooters, combining fast apertures, consistent AF, and solid reliability across diverse shooting conditions.

 

The Viltrox EVO Series are compact, performance-driven lenses that balance portability and image quality – ideal for creators on the move.

 

The Air Series are Viltrox’s most lightweight, stylish, and intuitive lenses. They’re perfect for travel, lifestyle, and everyday photography.

 

Raze Series – Precision Autofocus Lenses for DJI Systems

Custom-designed for DJI Ronin 4D and Inspire 3, the Raze Series brings Viltrox’s renowned autofocus technology into aerial and cinematic production. The Raze Series includes 16mm / 24mm / 28mm / 35mm / 50mm / 85mm F1.8 and 90mm F3.5, offering cinematic rendering and consistent focus performance for aerial cinematography and gimbal workflows.

 

EPIC Series: 1.33× Anamorphic lenses for cinematic storytelling

Engineered for professional filmmakers, the EPIC Series covers 25mm / 35mm / 50mm / 65mm Macro / 75mm / 100mm / 135mm, all in PL mount, delivering the signature anamorphic 1.33× aspect ratio. The EPIC series produces rich flares, smooth focus transitions, and true widescreen depth, all combined to capture stories with cinematic emotion and scale.

 

Lighting and monitoring systems

Complementing its lens lineup, Viltrox offers compact camera flashes, portable LED lights and color-accurate HD field monitors – empowering creators to refine exposure, lighting, and tone control at every stage of production.

 

Beyond discounts – Empowering creativity

Viltrox’s Black Friday campaign goes beyond seasonal offers. It’s a celebration of creative freedom – a reminder that great storytelling starts with the right tools. With products that merge precision engineering, design simplicity, and creator-centered usability, Viltrox continues to empower visual artists worldwide to see beyond the ordinary.

 

More details and how to buy

Black Friday Promotion Period: November 20th – December 1st, 2025

20% price reduction across all Viltrox products

Available at Viltrox.com and from authorized retailers worldwide

https://viltrox.com/?ref=orbetcnl

Track Every Dollar: The Secret to Smarter Spending and Saving

Budgeting in 2025 doesn’t have to stress you out, and Albert, a top budgeting planning app, makes it super simple. This US-based app offers tools like expense tracking and automatic expense categorization to manage your finances efficiently. Whether you’re a college student or self-employed, Albert helps track spending, pay bills, create financial dashboards, and build an emergency fund. 

This guide’ll show how Albert’s user-friendly features create breathing room in your budget and track your spending. Ready to take control of your money? Let’s dig deep into why Albert is essential for smarter budgeting this year!

Why Albert’s Tools Are Essential for Smart Budgeting in 2025

Albert’s budgeting app is a game-changer for managing money. It offers a free version that syncs bank accounts for real-time expense tracking. Its zero-based budget assigns every dollar of your income to monthly expenses, savings goals, or debt repayment. Automatic expense categorization sorts spending into different categories, like utility bills or streaming services, helping you set spending limits. 

Features like due date alerts ensure you pay bills on time, supporting goals like saving for a down payment or reducing credit card debt. With Albert, you gain insights into your cash flow, making budgeting in 2025 easy and stress-free. (150 words)

Albert’s User-Friendly Design for Beginners

Albert’s budgeting planning app shines for beginners, like college students, with its user-friendly interface on Google Play. A 2024 Bankrate survey found 64% of Americans want simpler budgeting apps. Albert syncs checking accounts and credit cards, offering a clear view of your finances. Its free version includes robust budgeting features, like tracking expenses and categorizing spending, helping you save money without needing a paid version like other apps, such as Credit Karma.

Zero-Based Budgeting for Every Dollar

Zero-based budgeting ensures every dollar of your income has a job, from fixed expenses to savings. Albert’s budgeting features make this easy by syncing banking data to track day-to-day spending. A 2023 Forbes study shows zero-based budgeting cuts discretionary spending by 17%, freeing up cash for an emergency fund or a 401(k).

Creating Custom Budgets

Albert’s custom budgets let you assign money to specific goals, like child care or a savings account, ensuring your monthly budget aligns with your financial priorities and creates breathing room.

  1. Real-Time Expense Tracking Saves Money

Albert’s real-time expense tracking monitors every transaction, from credit card purchases to utility bills. Automatic expense categorization sorts costs into different categories, helping you track spending analysis and avoid overspending. Thus, managing money is simple and effective.

  1. Cash Flow Management Made Easy

Innovative cash flow management means knowing your money coming in and out. Albert’s app tracks income and expenses, ensuring you cover your monthly costs and save. For example, setting aside $15 weekly builds a $780 emergency fund annually.

  1. Syncing Accounts for Clarity

Albert’s app connects bank accounts and tools like Credit Karma to show your net worth and overall finances. Reviewing transactions and credit reports helps you make smart choices, like allocating funds for debt payments or retirement savings, all from your mobile device.

Staying on Top of Due Dates

Albert’s due date alerts help you pay bills on time, avoiding late fees. Syncing accounts ensures you track expenses like streaming services, keeping your budget plan on track across multiple devices.

  1. Debt Repayment and Budgeting Together

Reducing credit card debt while budgeting is tricky, but Albert’s expense trackers make it doable. A 2024 NerdWallet study found that 67% of budgeters with clear plans pay off debt faster. Albert tracks debt payments alongside other expenses, balancing debt repayment and savings goals.

  1. Building Savings Goals with Albert

Albert’s savings goals help you save for a down payment or emergency fund. Regular contributions, like $10 weekly to a savings account, grow with interest rates, ensuring you’re ready for unexpected costs or big purchases like a home.

Why Albert Stands Out Among Budgeting Apps

Albert’s free version offers more hands-on tools than other apps like YNAB or Credit Karma. Its envelope system with unlimited categories and security features makes it the best app for budgeting in 2025, easily accessible on Google Play.

Key Benefits of Budgeting with Albert

  • Free and Powerful: Albert’s free version includes top budgeting features.
  • Real-Time Tracking: Monitor spending instantly with automatic expense categorization.
  • Goal-Focused: Supports savings goals and debt repayment.
  • Secure Syncing: Connects accounts with strong security features.

Budgeting Apps Comparison: Albert vs. Others

App Best For Cost Key Feature Example Budget ($1000 Income)
Albert (Free Version) Beginners, Self-Employed Free Real-Time Expense Tracking $340 expenses, $60 savings
YNAB Detailed Budgeters $14.99/month Envelope System $350 expenses, $50 savings
Credit Karma Credit Monitoring, Basic Budget Free Credit Report Integration $330 expenses, $40 savings
Monarch Money Advanced Users $9.99/month Net Worth Tracking $345 expenses, $55 savings

This table shows Albert’s free app offers unmatched features for 2025 budgeting, balancing cost and functionality.

Final Words

Albert’s budgeting planning app is essential for 2025. It offers real-time expense tracking, zero-based budgeting, and secure syncing. Start using Albert’s free tools to manage money, reduce debt, and easily achieve financial goals!

How Automation is Shaping the Future of Enterprise Procurement

Enterprise procurement transforms automation, driving speed, efficiency, and cost savings. This is a handy tool for companies sourcing and buying; it saves time and money. Automation revolution presents the axiom trade platform and how it supports consumers during the transition.

Why Automation Matters in Procurement

Conventional procurement includes manual activities such as finding suppliers, negotiating contracts, and placing orders. These processes are time-consuming and error-prone, creating delays and increasing costs. 

Automation makes those tasks more efficient by replacing manual effort with software that can do things automatically at high speeds. That is good news for businesses as it translates to reduced operational expenses and swifter response from supply chains. 

According to a recent survey, 70% of procurement leaders are frustrated with a lack of visibility and manual processes and would like a more automated solution. Automation technologies, such as the Axiom Exchanges platform, can help resolve these problems in a user-friendly manner, ensuring procurement requirements are under control.

Axiom Exchange Platform

The Axiom Exchange is an AI-enabled marketplace for enterprise procurement. It automates tail spend, the small, frequent purchases that can be difficult to track. It combines sourcing, catalog management, and supplier collaboration in a single solution, simplifying the use of multiple tools. 

Businesses can create a controlled atmosphere for the buying of goods and services, making sure they are compliant, and purchases are efficient. This centralized method saves time and costs by up to 50% in some situations, which is a valuable resource for any business, large or small.

How to Use Axiom Exchange

Using Axiom Exchange is easy, even if you’ve never done programmed procurement. Here it works: Companies join the platform and set up various procurement settings, including ideal suppliers and budget restrictions. 

The system subsequently permits the user to search through catalogs, request quotes, and place orders with minimal clicks. It’s guided buying software makes it easy to evaluate whatever you’re buying, with guidance on suppliers by cost or reliability. 

Axiom Exchange trading features offer real-time analytics and automated approvals so users can monitor spending and ensure orders align with company policies. Users also have a dashboard guide that helps them onboard step by step.

Axiom Exchange Review

User reviews praise the platform for its ease of use and speed. According to Axiom Exchange review information, businesses are delighted with the ease of automating their manual work and improving supplier management. 

Organizations speak of massive time savings; some even say that 90% of their indirect spend is automated. The platform integrates with other systems, such as ERP software, which allows for flexibility in industries like healthcare and retail. 

But some users report that advanced functionality has a learning curve, and that training is recommended for best use.

Is Axiom Exchange Secure?

Purchasing security is crucial, so the query “Is Axiom Exchange safe?” is common. The system is built on enterprise-level encryption and verified supplier security for data and transactions. 

Its non-custodial nature means merchants control their funds, minimizing risk. Additionally, adherence to industry standards and routine audits maintains its safety profile and has built trust among companies.

Final words

The future of enterprise procurement is automation, driven by tools like the Axiom Exchange. Their mission is to make businesses more competitive by automating repetitive tasks that help employees make better decisions while keeping information and assets safe. 

The consumers get faster services and reduced prices, and in return, the producers end up with an automated procurement business- a win-win for both.

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.”

Revolutionising Connectivity in Ireland: Renewtech’s Affordable Refurbished Cisco Access Points

Efficient connectivity has become the backbone of modern businesses, from start-ups to multinational enterprises. Renewtech is transforming how companies in Ireland meet their networking needs through its range of refurbished Cisco Access Points. Combining affordability, sustainability and high-quality performance, these devices provide reliable and secure connectivity for businesses across various sectors.

Affordable Solutions for Diverse Business Needs

Renewtech’s refurbished Cisco Access Points offer a cost-effective networking solution for businesses of all sizes. Smaller organisations, often constrained by limited budgets, gain access to enterprise-grade technology that supports scalability and growth. Larger enterprises benefit from substantial cost reductions, enabling better allocation of financial resources across their IT infrastructure. The affordability of these devices addresses a critical need for high-quality connectivity without the premium price of new hardware; by choosing refurbished solutions, businesses can stretch their budgets further while maintaining access to industry-leading technology.

Reliability That Supports Productivity

Businesses depend on stable and consistent connectivity to maintain seamless operations. Renewtech’s refurbished Cisco Access Points deliver exceptional reliability, making them a dependable choice for enterprise networks. Each device undergoes rigorous testing and refurbishment to meet strict quality standards. The result is a network infrastructure capable of handling demanding workloads while minimising downtime, allowing businesses to focus on their core objectives. Reliable connectivity reduces operational risks, guaranteeing networks remain functional even in high-pressure scenarios.

Advanced Security for Today’s Challenges

In a climate of increasing cyber security threats, network security remains a top priority for businesses. Refurbished Cisco Access Points from Renewtech integrate robust security features that help safeguard sensitive data and prevent unauthorised access. These devices address critical security requirements with sophisticated encryption, advanced authentication protocols and secure configuration options. Comprehensive protection confirms businesses can safely manage sensitive operations while complying with industry standards and regulations. These features collectively create a resilient network infrastructure capable of mitigating evolving cyber threats.

Adaptability for Varied Environments

A versatile networking solution is essential for businesses operating in diverse environments. Renewtech’s refurbished Cisco Access Points are designed for both indoor and outdoor applications, making them suitable for office spaces, retail environments, industrial facilities and beyond. Devices built for outdoor use feature weather-resistant designs capable of withstanding challenging conditions while indoor models prioritise efficient coverage and scalability. Ultimately, adaptability helps businesses seamlessly expand or reconfigure networks as their operational needs evolve.

Promoting Sustainability in Technology

Reducing environmental impact has become a strategic priority for many organisations. Renewtech supports these efforts by extending the life cycle of high-performance networking hardware. Refurbishing devices prevents electronic waste from accumulating and reduces the demand for resources required to manufacture new equipment. Sustainable practices like this align with corporate social responsibility goals, giving businesses an environmentally conscious way to maintain technological competitiveness.

Balancing Cost Savings with Performance

A careful balance of cost-effectiveness and technical excellence characterises Renewtech’s refurbished offerings. Businesses achieve significant financial savings while benefiting from the advanced features and robust performance associated with Cisco’s industry-leading access points. This balance allows organisations to meet their networking requirements without compromising quality, enabling them to invest in other critical areas of growth and development. Ergo, access to cost-effective, high-performing solutions can help businesses maintain a competitive edge in their markets.

Preparing Businesses for the Future

The pace of digital transformation continues to accelerate, with reliable connectivity playing a central role in business success. Renewtech’s refurbished Cisco Access Points offer businesses a forward-looking solution that aligns with the demands of a digitally driven world. These devices combine advanced technology with adaptability, meeting the evolving needs of organisations across industries. Future-ready connectivity lays a strong foundation for innovation, allowing enterprises to confidently embrace emerging technologies.

Connectivity Solutions Redefining Business Success

Renewtech’s refurbished Cisco Access Points represent a significant advancement in networking solutions for businesses in Ireland. The emphasis on cost savings, sustainability and dependable performance addresses critical business needs across industries. With adaptable, high-quality devices, Renewtech empowers organisations to optimise their IT investments while reducing environmental impact. These solutions are driving a new era of connectivity, enabling businesses to thrive in an interconnected and digitally advanced world.

Samsung Announces Massive Black Friday Savings

Samsung Electronics Co., Ltd. The most wonderful time of the year is fast approaching but fear not as Samsung’s Black Friday deals are sure to appeal to everyone on the gifting list. From smartphones that enhance productivity, to the must-have home entertainment setup and award-winning TV and soundbar range, get your hands on the latest cutting-edge technology at incredible prices.

In addition to these deals, Samsung users can enjoy the gift of Circle to Search with Google to find the best bargains for all items on their lists. Circle to Search is a Google-powered feature on all Samsung smartphones enabled with Galaxy AI and allows you to quickly search for information about what you see on your screen — including images, videos or text by making a simple circle gesture with your finger or the S Pen.  Perhaps you are scrolling on social media and see the perfect jumper or pair of shoes for a friend, or loved one – simply circle it and receive search results for identical and related items, allowing you to compare prices in an instant and make the most of Black Friday.

Mobile[1]

SAVE €100 on the Samsung Galaxy Tab S9 FE 1

  • Browse the web in style on the Galaxy Tab S9 FE – Circle to Search means you can circle around an object to get Google Search results. What’s more, you can write, sketch, and draw on your favourite notetaking app with the water and dust-resistant inbox S Pen.

SAVE €100 on the Samsung Galaxy S24 FE 1

  • Packed with Galaxy AI smarts, Galaxy S24 FE is a pocket-sized companion to make your everyday life easier. Browsing Assist helps consolidate internet searches into concise, digestible content, so you can get straight to the point. Circle to Search means you can search for anything on your screen, so the power.

SAVE €100 on the Samsung Galaxy A55 5G 1

  • Capture social media worthy shots on the Galaxy A55 5G even in low-light conditions thanks to the triple-lens camera with Nightography mode. The 32MP Selfie camera helps you to capture high-quality selfies with options to choose warm or natural tones.

Enjoy €90 off the Galaxy Watch6 Classic1

  • With customisable watch faces, the Galaxy Watch6 is packed with wellness features such as sleep-tracking, and a personal HR Zone that will assess your fitness capacity. You can leave your phone at home with added connectivity capabilities. You can make calls, explore cites and find your way to your destination with GPS built in.

SAVE €250 on the Samsung Galaxy S24+1

  • Welcome to the era of mobile AI. With Galaxy S24+ in your hands, you can unleash whole new levels of creativity, productivity and possibility — starting with the most important device in your life. Your smartphone.

SAVE €300 on the Samsung Galaxy Tab S10 Ultra (14.6″ Wi-Fi)2

  • Experience the power of Circle to Search with Google on a larger screen on the Galaxy Tab S10 Ultra. Just circle, highlight, or tap an image or text to get Google Search results. You can even get instant translations.

TV/AV Black Friday Offers3

Receive a complimentary The Freestyle 2nd Gen worth up to €700 when you buy any 2024 Neo QLED 8K TV

  • Get a free sleek, sharp and portable projector which can project up to an 100” frame for free when you buy any 2024 Neo QLED 8K TV

Claim up to €360 cashback on OLED TVs

  • Purchase any of the award-winning 2024 S90D, S93D or S95D models and claim up to €360 OLED TV’s.

Home Appliances4

SAVE over €500 on the Samsung Silver Classic AI Fridge Freezer [RB53DG706AS9EU]

  • Maximise space with this smart fridge freezer which offers more room on the inside whilst maintaining the same size on the outside due to its slimmer walls. Smart all-around cooling maintains a steady temperature throughout the entire fridge, without it building up any frost.

SAVE over €500 on the Samsung American Style Fridge Freezer with SpaceMax™ [RS64DG5303S9EU]

  • This super sleek Samsung fridge freezer is big on capacity, style, and quality, with its larger capacity allowing you to stock up the fridge for the whole family.

SAVE over €500 on the Samsung Series 7 Side-by-side [RS68CG882ES9EU]

  • With impressive Twin Cooling Plus technology, this fridge freezer uses two separate air flows to stop your food from drying out, meaning it stays a fresh and tasty for longer. Ensure you’re always ready for a celebration, this appliance has an extra wide wine shelf fitted.

SAVE over €1300 on the Samsung Family Hub [RF65DG9H0ESREU]

  • This fridge freezer helps you keep on top of your groceries in a smart way. With AI Vision, you can monitor the food that are in the fridge freezer and can even generate a shopping list or meal plans based on what’s you already have in stock.

SAVE over €100 on the Samsung Series 5 Classic Fridge Freezer [RB38C605DB1/EU]

  • With AI Energy Mode, this fridge freezer tracks your power consumption so that you can keep on top of your bills. Not only that, you can also select the perfect temperature and humidity for your fruit and veg with the Humidity Fresh + drawer. This fridge freezer offer optimal personalisation for you and your family.

[1] First phase of MX deals valid until 19th November

2 Tab S10 Ultra Wifi deal valid until 3rd December

3 TV offers valid until 2nd December

4 Home Appliance valid until 2nd December

See our Samsung Reviews 

SMEs – sustainability can lead to cost savings in the long run

Pat Kane is a sustainability advocate and strategist, speaker, writer and the founder of reuzi, a business that has evolved to become a whole hub for environmental living and awareness. 

Here Pat writes about sustainability for SMEs – and while some SMEs may perceive sustainable practices as costly, the reality is that they often lead to cost savings in the long run.

Sustainability is no longer a buzzword reserved for large multinational corporations or niche industries; it is a critical business imperative that small and medium-sized enterprises (SMEs) cannot afford to overlook. As global awareness around environmental and social issues grows, SMEs are increasingly recognising that sustainable practices are not just ethically sound, but also economically advantageous. The integration of sustainability into the core strategy of an SME can unlock new opportunities, enhance brand reputation, and build resilience against future challenges.

The importance of sustainability for SMEs stems from several interrelated factors. First and foremost, consumers are becoming more discerning, favouring companies that demonstrate a commitment to sustainable practices. This shift in consumer behaviour is not a passing trend but a fundamental change in how people choose to spend their money.

SMEs that fail to adapt risk alienating a significant portion of their customer base.

Regulatory landscapes are also evolving, with governments around the world implementing stricter environmental and social governance (ESG) requirements. SMEs that proactively embrace sustainability will find themselves better positioned to comply with these regulations and avoid potential penalties.

Another critical factor is the financial implications of sustainability. Although some SMEs may perceive sustainable practices as costly, the reality is that they often lead to cost savings in the long run. Efficient resource management, waste reduction, and energy-saving measures can significantly lower operating costs. SMEs that incorporate sustainability into their operations are more likely to attract investment, as investors increasingly prioritise companies with strong ESG credentials. These companies are viewed as lower risk, given their proactive approach to managing environmental and social issues, which can lead to better financial performance over time.

Starting on the sustainability journey might seem daunting for SMEs, especially given limited resources and expertise compared to larger companies. However, the key is to start small and gradually build upon those efforts. The first step is to assess the current environmental and social impact of the business. This could involve evaluating energy usage, waste production, supply chain practices, and community engagement. Identifying areas where improvements can be made will provide a clear roadmap for action.

Once the assessment is complete, setting achievable goals is essential. These goals should be specific, measurable, and aligned with the company’s overall business strategy. For example, an SME might commit to reducing its carbon footprint by a certain percentage within a set timeframe or to sourcing a portion of its materials from sustainable suppliers. These goals should be revisited regularly to track progress and make adjustments as needed.

Learning from SMEs that have already embarked on their sustainability journey can provide valuable insights and inspiration. Take, for instance, the story of Innocent Drinks, a UK-based company that started as a small business and has grown into a well-known brand. From the outset, Innocent Drinks placed a strong emphasis on sustainability, using 100% recyclable packaging and committing to sourcing ingredients ethically. Their approach to sustainability is deeply embedded in their brand, which has resonated with consumers and contributed to their success.

Pat Kane

Patagonia is another great example that, while larger, offers lessons in transparency and ethical business practices. They started with small steps like using organic cotton and recycled materials, which over time evolved into a comprehensive sustainability strategy. SMEs can take inspiration from Patagonia’s gradual, transparent approach to incorporating sustainability, understanding that the journey does not have to be perfect from the outset but can develop and improve over time.

Finally, it is important to remember that sustainability is not just about environmental impact; it encompasses social responsibility as well. This means that SMEs should consider how their operations affect employees, communities, and society at large. Building a sustainable business model involves fair labour practices, community engagement, and contributing to the broader social good.

I think it’s fair to say that sustainability is crucial for SMEs not only to stay competitive and compliant in a rapidly changing world but also to ensure long-term viability and success.

Starting with a clear assessment, setting realistic goals, and learning from those who have successfully integrated sustainability into their business practices can set SMEs on the right path. The shift toward sustainability is an ongoing journey, one that offers SMEs the chance to innovate, build stronger relationships with customers and stakeholders, and contribute positively to the world.

Pat Kane bio

Pat Kane is a sustainability advocate and strategist, speaker, writer and the founder of reuzi, a business that has evolved to become a whole hub for environmental living and awareness.

reuzi exists in both the real and virtual worlds, with pop-ups, some very exciting in-store concessions and a busy online presence.

Pat’s mission is to inspire and empower individuals and businesses to drive positive impact through a wide offering of sustainable products and strategic services.

Pat is also a partner and Chief Sustainability Officer for environmentally-focused consultancy, Pragmatica. Pragmatica aims to support organisations from family businesses to SMEs to large corporations, on how to improve their green credentials.

For more see: https://www.instagram.com/iampatkane/