Everyone is trying to make money and in today’s society, there are 2 main ways to do this, either by having a job and earning an income, whether you’re employed or self-employed. The other way to make money is by making smart investments in projects that will in the future generate cash and make money for you. How money is made is generally the difference between high net worth households and ultra-high new worth households. Now you might be asking what is ultra high net worth and how do I achieve it. Most high net worth households make their money from a good job that they’re successful in, most ultra–high net worth households, however, make their money from smart investments. One of the best things about investing is that there are websites you can sign up to for free to make investments that are very user friendly, there are free or cheap courses that you can sign up to enhance your knowledge, all the information that you need to succeed is available for free online. It’s also suitable for people to take an interest in at any age and any stage of their life, whether it becomes your main source of income or extra income on the side it’s a useful thing to be good at. We’ve found some of the best tips on how to invest your earnings for the best outcome.

Government Bonds

Government bonds are seen as one of the safest forms of investment so if you’re wary about investing your earnings, this is a good place to start. The government can issue bonds when they’re low on cash and need to borrow funds to pay bills, this gives people an opportunity to buy them and make a return on their investment later. Bonds always have a maturity associated with them ranging from 3 months to longer than 30 years. If you want to stay safe when you start investing then you should go for a bond with a short maturity as the longer the length the more chance there is for something to go wrong which increases the risk. It’s unlikely that anything will go wrong on a 3-month bond so it’s a lot safer, but once you’re more comfortable with investing usually, you’ll make a better return on a bond with longer maturity.

Stock Market

Investing in the stock market requires some prior knowledge as it can be pretty confusing for a beginner. This is one of the riskiest types of investment but it can also have the greatest returns. If you get lucky on the stock market you’ll make much more than you would from a government bond. A stock is simply a share of a company that you purchase, you’ll hope that the price of the stock will increase so then when you sell it, you’ll make a profit. If you want to go down this route of investing then you’ll have to be prepared to lose some money whilst you’re learning and making mistakes to make much more money in the long run. It’s definitely overwhelming as a beginner so you should seek help from someone who understands the stock market when you start out.

Real Estate


Real estate investment is considered to be quite a safe investment as property prices are continuing to rise and aren’t predicted to be on the decline any time soon. You need a large amount of start-up capital to become a real estate investor but if your savings from your earnings can cover it then real estate is great to invest in. It’s a massive investment to make compared to buying stocks but it is really low risk with high returns. Whilst it will take a long time to make all the money back from the investment it’s estimated most real estate investors make around 10% capital appreciation as soon as the following year. Many real estate investors then use this money to invest in more properties which leads to a greater profit and a great monthly income.


If you don’t like the sound of bonds and the stock market as it seems too technical and real estate has too high a start-up requirement then another option for investment is investing in art and various other antiques. This depends on your knowledge of art so only do this if you’re fairly confident you know what has value and what doesn’t. Some people make a small fortune from this and enjoy themselves whilst doing it as they have an eye for it. You can invest as much or as little as you want but you have got to remember it’s subjective so does possess some risk, other than the guts to try it all you need is some storage space for the arts and antiques you buy to flip.

The current number of households with a pet in the UK stands at 41%, so already it’s easy to see why the market for pet accessories is thriving. It may be less than half the population, but factors to consider are the number of pets in the home (I for example currently have six cats in my residence, only two of which are my own) and the uses for the accessories available. The main reasons for the booming market are:


Animals need food; food will probably be served in their own bowls to avoid mixing pet food with human food; therefore there is a range of options for food bowls on the market. As well as this, most owners equip their pets with collars, either for the means of attaching an ID tag in case the animal gets lost, or bells to avoid cats hunting birds if they go outside. Dogs especially come in a range of sizes to fit the various dog breeds out there and often start from puppy-friendly collars. Accessories such as carriers are also important too, when it’s time for me to take my cats to the vet for a check-up, it’s essential that I choose a good cat carrier for each of them. Too small and they become unhappy and cramped, a soft carrier means that they feel less secure, so my go-to is a sturdy box with handles so I can easily carry them to and from the places they need to be. However, every pet is different, and the range of options on the market is to ensure that pets feel safe and secure in whichever carrier their owner chooses.


I’ve already mentioned food bowls, however, the options for them can range from standard versions to models designed to help with health. For example, raised feeders for pets with stomach or digestion issues. In the same vein, flea collars are easily found too, which help deter fleas and ticks from biting an animal. Pet toothbrushes are also available on the market. As humans, it’s important to look after your pet’s oral health and often products such as Dentistix or other dental-based treats don’t suffice. Paired with toothbrushes is toothpaste, designed to be pet-friendly and flavored so that animals will more easily allow tooth brushing.


Due to the many shapes and sizes, pets can come in, there are many different types of beds to keep your pet happy, such as igloos that they can hide inside, or thermal beds that warm-up using their body heat. Other things that fall under comfort include coats, some short hair breeds of dogs will feel the winter chill more than a thicker coated dog, so keeping them warm on their walks is important to keep them happy. Even during the summer, when the pavements and roads are too hot for a dog’s paws, many owners buy special shoes for their dogs so that they don’t injure themselves in the heat.


Finally, the need to make pets even cuter by dressing them up in various outfits and accessories. Who doesn’t want to see a dog running around in a stegosaurus costume? Or a cat looking sharp in a little bow tie? The fact is to a lot of people; their pets are their babies, they want them to look cute and show them off to friends and family, so outfits and the like are amazingly easy to find in shops and online. While my family has patiently waited until the holidays to dress our dogs up as vampires or witches or little elves with a Santa Claus, some households dress up their pets year-round, with adorable results.

With so many people currently owning pets, it seems unlikely that the market will suffer anytime in the near future, which is good news for us pet owners as it means the products on offer will continue to grow and evolve. The thing that matters most is keeping our pets happy, healthy, and loved, even if that means I occasionally subject my cats to dressing up in little hats.