Personal finances 101: invest in football memorabilia and make some cash

 football memorabilia

Collecting football memorabilia is a satisfying hobby for many — however, not everyone knows how to turn this into a money-making activity. With the help our guide below from UK specialist in display panels: Where The Trade Buys, learn about which editions to look out for, to grow your collection. You may even have some valuable programmes laying around in your loft space… let’s find out?

The history of football match programmes began in 1888

In 1888, the first football programmes were published alongside the launch of the Football League. Unlike today, the aim of a programme was to keep score and it was made up of a single sheet detailing the teams and match date.

Over time football programmes increased in size, growing from pocket-size to A4, with some clubs preferring the smaller option and others opting for the larger format. From a single sheet of basic info, the availability of saddle-stitch book printing and a growth in popularity turned football programmes into thick, glossy books crammed with trivia, statistics and high-resolution photos that fans loved to buy before every match.

One of the first programmes to be published was the ‘Villa News and Record’ for Aston Villa. Soon after, the football programme took on a weightier format of between four and eight pages, while the covers became more attention-grabbing and attractive. During and after World War II, a paper shortage cut the number of programmes that clubs could produce — making any that were released very collectible today.

Today’s football programme stays true to its roots by giving spectators key details of players on each team. Although today, the programme can also act as a mouthpiece for the club in question, allowing managers and players to speak to fans via interviews and club statements.

How much are collectors prepared to spend?

There are many examples of rare football programmes being sold to collectors for a lot of cash. In 2012, a family from Ipswich managed to make around £46,000 by auctioning off a set of football programmes they stumbled across in their house, which goes to show how easy it is to not realise the treasure you have sitting around your home.

Fairly recently, Sotheby’s New Bond Street auctioned off the oldest-known programme from a FA Cup final — Old Etonians vs Blackburn Rovers in 1882 — for £30,000, while a single-sheet programme from the 1909 FA Cup final between Manchester United and Bristol City went for £23,500 in 2012.

To give you a helping hand, here’s a guide on which editions should you watch out for as a collector.

Collectible football programmes: some examples

For fans, football programmes clearly play a large part of the match day experience — but how collectible are they and which should you search for if you want to bag a truly special edition?

The first Wembley final programme from 1923 is a great example of an important collectible item. It details the match between Bolton and West Ham United and is worth around £1,000. Alternatively, there’s the programme from the one and only time a non-English club lifted the FA Cup — Cardiff City vs Arsenal in 1927 — which ended with a score of 1-0 and has a value of about £2,500!

The 1966 England vs West Germany programme is potentially one of the most highly prized programmes in sport. But be warned; there were three reprints of the original, so tracking down a bona fide version is tough. If you want to be sure you’re buying an original, check the weight and colouring — the reprints are more lightweight, while the front cover of the original is a deep, royal blue. Different paper types are also used for the team pages in the original, but not in the reprinted versions.

Another one that programme collectors look out for is the edition from the game that was cancelled following the 1958 Munich air disaster (Manchester United vs Wolverhampton Wanderers), which can go at auction for around £10,000, or the programme for the first match following the tragedy — the 19th of February 1958’s game between Manchester United and Sheffield Wednesday. In this programme, the club showed respect to those involved in the disaster by leaving the team page blank.

A quick guide for new collectors

Keep the following three key features in mind to make sure you’re getting a good deal:

  • Programme age — anything over 50 years old is most collectible.
  • Availability — if there are many available, this will bring the value down.
  • Demand — programmes with an iconic footballer on the cover or detailing a famous match are the most prized and valuable.
  • Wear and tear — creases, missing staples and water damage all harm the programme’s price, so ask for a photo before you pay.

Any programme from an FA Cup final match holds value, as does any booklet that was perhaps the first or final edition of a player’s/manager’s career (i.e. the last game David Beckham played for Manchester United).

Another thing to highlight is that certain teams typically hold greater monetary value than others when it comes to programme collecting — although, programmes from your team’s past will be more personally valuable to you. Sides such as Manchester United, Chelsea, Liverpool, Spurs, West Ham, and Arsenal are all highly sought after and are worth keeping an eye out for if you want a particularly valuable item. The Football Programme Centre is also a good source of advice if you’re keen on becoming a serious collector.

Many fans all over the UK enjoy collecting football programmes — particularly when you track down a rare edition or grab a great bargain. So, why not keep yourself football-focused until the new season kicks off by learning more about the hobby?


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Planning your steps to financial freedom

financial freedom

Financial freedom for many may seem far away, for some even impossible. There are an abundance of things you can do to ensure this becomes a reality. Planning is required, and hard work is needed but creating financial freedom is possible through just a couple of simple steps to you should follow.

1. Have a percentage in mind to save

Saving is one of the most importance factors when it comes to establishing financial freedom and one of the best ways to do this is to decide what percentage of your income will go into savings each month. For example, this could be 10% of earnings, but for some with more comfortable salaries this could be increased to 50%. If you chose to set this up through a direct transfer, the funds will automatically go into a savings account and quite often these numbers add up quickly, which may leave you surprised when you check your available funds. The percentage you chose to save can be adjusted accordingly to your current financial position. It is unlikely that around Christmas you will save extra, but ensuring you have a certain sum automatically saved each month is one of the best and most productive ways to maximise your household income.

2. Invest in Property

There are many lucrative ways that can make your money stretch further. Property is the only asset that produces two different returns on investment, capital appreciation and rental yields which helps to secure financial freedom over the likes of stocks and shares. Capital appreciation refers to the amount a property will appreciate by in the future. In 1998, an average London home was worth £115,000, however two decades later in 2018 the average property price exceeds half a million at £671,412. Besides this monetary growth, rental returns can be gained alongside and property investment specialists like RW Invest offer properties in which you can secure solid returns and potential for capital growth in years to come, meaning that eventually the property will end up paying for itself. Click here to view their full portfolio: Buy to let property is emerging as one of the most popular ways to grow your income, as well as being a stable way to entrust your money.

3. Aim to diversity your income

Diversifying your income is one of the best ways to create wealth as it provides an extra level of security. Having more than one income stream allows a safety net to ensure you always have an income from one or more other avenues. Many people have avoided serious financial difficulties because of diversifying their income, this may include obtaining a second job. If you are unsure how to add extra income then consider selling unwanted items, involving yourself in part time work or venture into freelance work or an independent business.

4. Ensure all debts are paid

This can sometimes be easier said than done, but one of the most essential things to remember is as soon as you pay off your debt the quicker you will receive financial freedom. To avoid this altogether avoid spending money you don’t have in the first instance. If you are in substantial amounts of debt, calculate how much you owe and set yourself a strict time frame, and be wary not to incur any additional bank charges in the meantime.

Three Ways to Turn Your Car into Money

Turn Your Car into Money

There comes a time in most of our lives when we need a little extra money. Perhaps you’re trying to save up for a vacation or you just have some debts to pay. Having a little extra money in your bank account would go a long way and so you set out to find ways to do that. You look into part time jobs, you cut back on your expenses, or maybe you even start selling some things around your home.

If you’re the owner of a car, it could be the answer to your problems. There are several ways that you can turn your car into money and start reaching your financial goals a little sooner. Here are just three ways you can do this.

Use Your Car for a Job

One of the best things you can do is use your car for a job. There are plenty of places where you can get an extra job driving around, earning a little more income in your spare time. For example, there are probably restaurants in your area that could use some delivery drivers. Or, in some places Amazon is looking for people to deliver packages in their local area. All you need to do is driving something from Point A to Point B and you earn some extra money.

If you don’t want to drive things around (or if you don’t want your car smelling like food), consider driving people around. With apps like Lyft and Uber you can sign up to be a driver, and then drive people to their destinations. The great thing about working for one of these companies is that you get to choose your own hours. So if you have a busy or unpredictable schedule, you can choose which times you work, and earn money on your own terms. To learn more about what it’s like to work for a ride share company, you can check out this article.

Rent Out Your Car

Your next option is to let someone else drive your car. If you don’t need your car at all times you can bring in some extra income by letting someone else drive it. There are many instances where someone is in town for only a few weeks and doesn’t want to go through the hassle of buying a car. By letting someone else use your car you get to bring in extra money without really having to do anything.

If you’re going to go this route there are a few things you should keep in mind. First, you obviously won’t have your car for an extended period of time. If you need your car to get to work every day, this probably isn’t the right answer for you. On top of that, you have to worry about any damage someone else might cause to your car. Check into your insurance policy to see what it covers and consider running a background check on anyone who wants to borrow it. For more on renting out your car, try this guide.

Sell Your Car

Finally, your last option is to sell the car entirely. If you don’t use your car much it’s probably just taking up space. By selling it you get a quick cash influx, and don’t have to worry about things like upkeep, insurance, or parking fees.

To sell your car, you have a few options. First, you can take it to a local dealership. There are tons of used car dealers all over the country, so you should have no trouble finding several near you. If this option doesn’t suit you, you can sell the car privately. This option is a little more risky, but if you can find a good buyer, you may be able to get more than at a dealership.

The great thing about this option is that you can sell your car no matter what kind of shape it is in. Even banged up or broken down cars can get you a little money, so don’t worry if your car isn’t in the best shape. You can even search for “where to sell a totaled car” to find some places in your area willing to buy a completely wrecked car.

Put Your Car to Good Use

If you need some extra cash, and you have a car, you’re in luck. As you can see, there are plenty of options out there for turning this car into some extra cash. Think about how much money you need, how much free time you have, and how much you really need the car. The answers to these questions will help you to determine which route is best for you.

7 Questions To Ask Your Potential Dallas Appeals Lawyer Before Hiring


If you are facing conviction in a case in Dallas, it doesn’t mean that you have to suffer in silence. You can make an appeal and try to get the ruling overturned. To do this, you will need the help of a skilled appeals lawyer. The right appeals lawyer can enhance your chances of getting the ruling overturned. So, you will have to select your lawyer with care. Here are 7 essential questions that you need to ask a lawyer before hiring him or her.

How long have you been practicing as an appellate lawyer?

Making an appeal is not a simple task. An attorney needs to have much experience as an appeals lawyer in order to become a veteran in this field. By knowing about the experience of the lawyer you will be able to understand whether he or she is a seasoned attorney or just starting out.

What kind of cases do you handle normally?

An answer to this question will tell you about the area of expertise of the lawyer. You will be able to determine whether the lawyer has extensive knowledge of handling appeals pertaining to the legal area under which your appeal falls.   

What is the cost of filing an appeal?

Filing an appeal can turn out to be an expensive matter. Before you go ahead with the appeal and hire a lawyer, it’s wise to become aware of the expenses involved in the process. You can get a clear idea of how much the appeal will cost you by talking to your potential Dallas appeals lawyer.

How much will you charge?

While filing for the appeal in court is just part of the expense, you will have to know how much the lawyer will charge you for handling your appeal. Also, you must ask the lawyer about how he or she expects the payment of fees to be done. Some lawyers ask for a flat fee that includes all expenses. Others go for an hourly-basis fee. If you are not ok with the fee structure suggested by the lawyer, you can discuss the matter freely then and there.

Can you give some idea how long my appeal may take to get resolved?

Generally, appeals take a lot of time to get resolved. Some appeals extend for months and some may even take more than a year to arrive at any resolution. But a good appeals lawyer will be able to provide you some idea of how long your appeal may take to get resolved in court.

What are the likely outcomes if I win the appeal?

Appeals do not always get resolved in the way you would like them to be. By talking to your lawyer, you will be able to understand the probable outcomes of the appeal.

What route can I adopt legally if I lose the appeal?

You must be aware of any further legal route that you can adopt in case you lose the appeal. Your lawyer will be the best person to guide you in this.

Tips To Save Money and Get Out of Debt Fast

Save Money and Get Out of Debt Fast

Debt is a way of life for a majority of people at one point in their life or another. The main debts that many people owe are student loans, credit card bills, and mortgages. All of these debts differ immensely when it comes to interest rates and terms to pay the balance off. Saving money on a monthly basis will allow you to work your way out of debt rather than living paycheck to paycheck. Simple tweaks in habits can make a huge difference as it is a misconception that you will have to change everything just to save a little extra money a month.

Skip Going Out To Eat

The amount of money that is wasted by going out to eat is immense. The same meal could cost 10 percent of what you are paying to have someone else prepare it for you. Reducing the amount of meals eaten out can make a huge impact on the budget especially for a large family. Planning meals has to be done so there is not a scramble trying to figure out what is going to be for dinner. You can save some money on groceries by using a Sams Club coupon code from Groupon. The quality of the food that you buy can go up as well as you will be saving money from not dining out. If you are going to go out to eat make sure it is during a special like that of the popular Taco Tuesday that is a staple of nearly every establishment that serves tacos.

Quit Smoking and Drinking

The amount of money that is spent on alcohol and cigarettes is astounding. For a heavy smoker who smokes a pack a day this can come out to $50 a week and $100 if you live in a place like New York City where taxes on tobacco are high. Depending on the type of alcohol that you drink this can add up quite quickly. A 12 pack of craft beer can cost up to $20 so even having two beers a night can end up costing you close to $100 a month. The fact that many people make bad financial decisions while drinking makes giving up drinking the best idea if you want to save money.

Look Into Cheaper Options For Insurance

There seems to be insurance for everything from the home to your vehicles. Most people do not shop around for insurance as they simply use the company that their parents had used. The fact is that independent insurance agents can sell policies from a variety of insurance companies. Agents that work directly with an insurance company can only offer you packages from one company thus not guaranteeing the best protection for the best price. The only drawback is that many companies offer customer loyalty discounts which can drop prices lower than an independent agent could sell it for.

Get Rid of Your Cable

The need for cable is waning as there are a plethora of streaming services that cost a fraction of what a basic cable bill comes out to. Many people have their services bundled so this might be cause for an increase in telephone or internet charges. This increase usually is only a few dollars and you can be saving over $100 a month depending on what quality of cable you have. One issue that arises is that of watching sports but with live streams this no longer is an issue. Most NFL games can be found online and put on your TV by using an HDMI cord. Streaming services like Hulu have games available to watch on a weekly basis.

Getting out of debt is as simple as saving as much money as possible and putting it towards the unpaid balances. Do not accrue any types of late fees and work on refinancing a debt for a lower interest rate if this is an option. Take your debt seriously and be proactive about getting rid of it!

5 Things You Need to Change About Your Finances in the Next Year

As 2018 draws ever closer, you’re probably going to start thinking about your resolutions for the next year. Some of these should undoubtedly focus on your personal finances and how that situation can be made healthier and more sustainable for you and those around you. Making positive changes will put you in a much better long-term position so read on find out about 5 of the best changes you should make next year.

  1. Make More Budgets

Making more budgets for you and your family to follow is always a good thing and they should be decided on together with the other people in your household who will be impacted by them. Learn more about budgeting and how you can get it right at Once you get this right, you will learn to stay within your limitations and avoid problems of overspending in unnecessary things.

  1. Spend More Time Assessing Your Finances

Simply paying more attention to your financial situation and how it can be improved will have an impact on your finances over the next year. That’s why you should start spending a little more time each week on assessing your finances and looking for problems there. You can then take action faster and nip problems in the bud, which has to be a good thing.

  1. Put More Into Your Pension

Your pension is your financial future so you definitely need to put more thought into how you’re going to keep it topped up in the weeks and months ahead. If you allowed yourself to get a little slack with regard to your pension situation, you should make a commitment to putting more into your pension pot in 2018. Doing so could massively transform your financial future for the better.

  1. Negotiate Your Existing Debts

Your debt levels might feel like they’re set in stoke right now but that might not actually be the case for you. There is often room for manoeuvre if you’re willing to ask the right questions of the right people. Places like can help you get a more manageable debt settlement that’s easier for you to pay off. Your creditors will be more open to negotiation than you think.

  1. Create an Emergency Fund

It’s always a wise idea to create an emergency fund for you and your family to fall back on when necessary. All kinds of damaging situations can arise if you’re not careful about how prepared you are for financial hardship. Having a strong emergency fund in place will give you the safety net that’s so vital in life these days. It can get you out of all kinds of tricky situations faster than would otherwise be possible.

There is no better time to start thinking about your financial situation than right now. By doing so, you’ll be able to start putting plans in place for how you can change things for the better when the new year rolls around in a couple of weeks time.

Is Your Career Stifling Your Income Potential? Time For Change

Many people find themselves stuck in a job that they don’t enjoy and worse still has no income potential. It can be quite demoralising when you find yourself living to work instead of having the means to enjoy life when you are not doing the job you are employed to do. You might find that if you are in this situation then your chosen career is stifling your income potential. But now is the ideal time to really think about what you want and how you can make that change moving forward. I wanted to share with you some of the things you could consider to help you make that change.

income potential

Make sure you have an up to date resume

One of the first things to think about would be to ensure that you have an up to date resume. This means that you have all of your latest job information on their, your previous earnings and reasons for leaving older jobs, as well as all the relevant skills and experience you have gained. You might want to tailor your resume to ensure that you highlight what skills might work well with different jobs, especially if you have a career in mind or an industry you would like to work in.


Think about how much you want to earn

The next thing to consider would be how much you want to earn. This is important to know where you are at and how much you could potentially like to bringing home each month. This might be an aspirational figure or something realistic, but ensure you know what you want before looking for alternative jobs.


Consider a complete career change to get what you want out of life

Often when it comes to our jobs, they can be something we end up doing just because we don’t have the choice. Many people have no idea what they want to do when the leave school, and just end up doing something that pays the bills. However, it is never too late for a career change, and this might mean going back to study something like an engineering management masters or something more specific to the industry or job role you are going to get. Accepting that you may need to retrain could help open up more opportunities for you in the future.


Research potential jobs and businesses

You might want to spend some time researching potential jobs and business ventures to ensure that you are looking in the right places and that these sorts of jobs are achievable. Research can help you, especially if you find yourself getting an interview, as you can learn more about the business or company. This can show initiative to a potential employer.


Are you interview ready?

Finally, are you interview ready? Taking the time to improve your appearance and also practice potential interview questions can help you when finding yourself in an interview. This can also give your a surge of confidence when needed.


I hope that these tips help you make that career change.


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Freedom Debt Relief Reviews Several Tips To Determine If Your Financial Adviser Is A Fiduciary

A fiduciary is someone who has your best interest in mind. When it comes to financial advisers, we certainly want to know that they are looking out for us rather than trying to take advantage of us.

In this article, Freedom Debt Relief reviews a few ways to help you tell if your financial adviser is looking out for you or himself.


Are You A Fiduciary?

Being a fiduciary means a commitment to put the client’s best interest first. There aren’t really any hard and fast rules when it comes to being a fiduciary. But if an adviser is a fiduciary, they will often display it on their website.

Freedom Debt Relief reviews also notes that a fiduciary is completely transparent. They must disclose all potential conflicts of interest, commissions earned through 3rd parties, and all important facts just to name a few characteristics fiduciaries abide by.

While you mostly have to take an advisers word that they are a fiduciary, having the adviser mention this up front and displaying related information on their website is a great step toward their commitment to you.


Are You Or Your Firm Affiliated With A Broker-Dealer?

Some investment advisers are also broker-dealers or affiliated with one. In those cases, the adviser is usually incentivized to sell securities that will earn the adviser a commission.

The bottom of an adviser’s website, which usually contains lots of fine print, can reveal if they are affiliated with a broker dealer. Check if you see the text “Securities offered through [company name], member of FINRA and SIPC.” If so, you’re dealing with a broker-dealer and they aren’t likely to have your best interest in mind.


How Is Custody Of Funds Handled?

Depending on how involved a financial adviser is with investment management, they may have custody of funds. In this case, it’s important that they are using well known custodians such as TD Ameritrade, Schwab, Vanguard or similar well known brands.

Freedom Debt Relief reviews points out that when an adviser has custody of funds, it means that they are able to trade on your behalf. You still have full access to your funds in most cases.

The main point about how funds are held is that the funds are not in some unknown bank account that the adviser sets up. It should be with a well known custodian.


What Is Your Relation With Any Other Firms?

Knowing which other relations a firm has can reveal a lot about potential conflicts of interest. Depending on the relation, there can be an incentive for the adviser to receive commissions by selling certain products.

Even if a product may be right for you, it’s important to know if the adviser received any type of commission or other kickback for selling the product.

With the above tips, you’ll be armed with a way to quickly evaluate whether or not a financial adviser is looking out for your best interest.

Freedom Debt Relief reviews can help you get your debt under control. If you’d like a free evaluation from a credit counselor, contact them at


When to Avoid the Consequences of Choosing Cheap

You know what they say: buy cheap, buy twice. That’s not true for everything, though. Sometimes scoring a bargain is much better than spending money unnecessarily, especially because there are plenty of things not worth their price tag. However, there are definitely some expenses you don’t want to be too cheap with. If you’re too afraid to invest more money, the quality of the product or service you receive will reflect the rock-bottom price you paid. There are some things it’s just not wise to buy from the bargain bucket if you don’t want to end up losing out. Take a look at these examples of what you should spend a little more money on.


Image credit: Nick Youngson –


Selecting Insurance

There are all kinds of insurance you can take out during your life, from home insurance to phone insurance. The purpose of an insurance policy is to protect your money, so it is understandable that you don’t want it to drain your monthly budget. However, if you pay too little for your insurance, your provider might not be there for you when you really need them. It’s important to weigh up the cost of an insurance policy with the coverage it gives you. A deal on your auto insurance might look good – until you have an accident that you have to pay for out of pocket, despite being insured.



There are lots of things in your home that you buy to make it look good, as well as for functional purposes. If you’re looking for trinkets and decorations, their quality might not matter all that much to you. But the furniture you choose is used every day, and you want it to last. Important pieces of furniture like your bed or sofa need to be able to hold up, and they should be comfortable too. So, while a cheap mattress or bed frame might seem like a bargain, it’s not worth it if it causes sleepless nights or falls apart in under a year.



Choosing a Lawyer

There are many times in life when you could require a lawyer, from setting up a business to filing a personal injury claim. When it comes to paying for any service, it’s often best to err on the side of spending a little more money. Choosing a top-rated firm like Gruber Law Offices might not be the very cheapest option, but it’s the most sensible choice financially. There are many situations when choosing the right lawyer is going to help you protect your money. It could be helping to protect your business, get the money you need to pay essential medical bills or spare you from fines or even jail time.



Body Modifications

Planning on getting a tattoo or piercing? Maybe you want laser eye surgery, or you’re thinking about liposuction. If you’re going to make any changes to your body, it’s always best not to go for the cheapest option. If anything goes wrong, at best you could be paying to fix it, and at worst you could find yourself starting a civil suit for medical malpractice or something similar.


It’s not worth choosing the cheap option for many things in life. Before you think you’ve snapped up a bargain, consider the consequences of paying so little.

Easy Ways to Save Your Business Money

In business, it’s very easy for costs to start to spiral out of control. Slowly eating away at your cash flow, cutting into your profits and reducing the efficiency of your business. This is often due to small mistakes, not being careful or simply not monitoring spending and ignoring budgets. Fortunately, if you are starting to struggle, there are some fantastic ways to save your business money without having to make massive changes to its every day running processes. Here is a look at some of the best.


Reduce Staff Turnover

Recruiting and training new staff is expensive, and newer staff take much longer to get jobs done than members of the team that have worked for you for years. So, it’s a good idea to keep staff happy, promote loyalty, and keep them for as long as possible. Look after your team by offering incentives, look into things like dental insurance for businesses and staff days out as well as traditional bonuses. But also by just giving them your time and respect.


Change Your Advertising Strategy


save your business money


Are you spending huge amounts of money on publicity and marketing? In the modern world, there is no need. Instead turn to social media and digital marketing, much of which you could do for free, using skills members of your team already have.



If you don’t have the skills in place for social media management and the like, instead of employing a new member of staff or a marketing team, look to a freelancer for help.


Switch Suppliers

Don’t stick with your suppliers out of loyalty, make sure you are regularly looking around for new deals and better offers which could save you money. This goes for everything from your office supplies to your utilities.


Learn to Negotiate

Another option is to negotiate. Learn to ask for a better deal, especially on expensive things such as rent. Your landlord, for example, wants a good tenant they can trust to pay. Ask for a better deal on rent, they might give it you to save themselves the time and money of searching for a new tenant if you were to leave.


Go Green

Going green can be great on many levels. It helps the environment, improves the reputation of your company, gives you a USP, and it can also save you money. Simple things like turning electronics off when not in use, only using the water you need and printing double sided can save you a fortune over the year.


Give Inexperience a Chance

Ideally, you’d probably like to hire only the most experienced staff with full and rich resumes. However, this isn’t always a good idea. Inexperienced staff, new to the industry often come at things with a fresh perspective and great enthusiasm. They are also much cheaper.


Save Time


save your business money


Time is money! So, save some. Keep your meetings short and organized and don’t spend more time than necessary on small tasks. Encourage speed and efficiency across your business.


Many of these changes won’t just save you money; they will also improve efficiency, productivity, and morale. All of which will boost your company and give it a new lease of life.