Top 10 Consulting tips

Add Wallpaper Background in Safari Browser

This was already possible in Safari on macOS Big Sur. iOS 15 carries the same wallpaper customization trick to the iPhone as well. Open Safari on the iPhone and scroll down to the bottom. Select Edit, and you can pick a relevant wallpaper from the Background Image menu. One can also go ahead and add wallpaper from the gallery on the iPhone.

Pay Yourself First

This personal finance tip — supposedly coined by George S. Clason, author of The Richest Man In Babylon — is another common one that can have a huge impact on your finances. When you pay yourself first, you're investing in your financial future; you're investing in future you, and future you will thank present you for doing so. So, why not just pay yourself at the end of the month? That's a lot easier, right? Well, the reason why paying yourself first works so well is that once that money is sent to a savings account, you're a lot less likely to spend it. If you wait until the end of the month to pay yourself, you might not have any money left! Future you will be very sad with no money. Make future you happy by investing in yourself! PS. The best way to pay yourself first is to do it automatically. Set up an auto-deposit with WealthSimple and you'll never have to think about saving money again – it will just happen.

Safari Extensions

Similar to the macOS Safari browser, users can now use the same extensions for the Safari on iPhone as well. Previously, it was limited to ad-blockers only. iOS 15 open the doors for developers to create mobile-friendly extensions for the Safari browser. The collection is slim for now. But we can expect to see more developers creating Safari browser extensions in the future.

Have Financial Goals

If you want to accomplish financial goals, you need to figure out what goals are important to you first. Having a clear goal can keep you motivated and help you come up with a plan to reach that goal even faster. Now, don't think that you need to set outrageous goals. If this is your first time thinking about personal financial goals, start off small and work your way up from there. I'd suggest coming up with a few different goals in each of these categories:

  • What you want to achieve in the next 3-months
  • In the next year
  • In the next five years This way you'll have some short-term goals to look forward too, and some long-term goals to work towards as well. Your short-term goals may even be small stepping stones towards your bigger goals. Here are some examples of good financial goals:
  • Save $1,000
  • Buy a house
  • Start investing So, remember to set long-term and short-term goals, and keep track of them too! Write them down somewhere and set a day each month to track your progress.

Unlock Home Using Apple Wallet

Another useful add-on for those living in a complete Apple ecosystem. Users can now unlock home, hotel room, or even office using the stored key in the Apple Wallet app. Open the Apple Wallet app, use the stored digital key, tap the phone to the lock, and voila! The room is ready to serve you. It will be up to third-party devices and hotel chains to quickly implement the functionality.

A Credit Card is Not Free Money

A credit card is a useful tool in your finance toolkit, but it's not free money. When you purchase something with your credit card, you are borrowing money from the bank. If you don't give that money back in time, the bank is going to start charging interest on your balance. This debt can build up and become a monster if you don't pay off your balance every month. However, if you use a credit card responsibly and pay off the balance every month, it's a good way to start building credit. Most credit cards also have other benefits such as rewards points, cash back, or travel points. So, should you have a credit card? Well, it depends. If you're capable of paying off the balance in full every month, then you should have no problem managing a credit card and staying out of debt. PS: If you are going to use a credit card, you should monitor your credit score & credit report regularly with a free tool like Credit Sesame (or Borrowell if you're in Canada). One last tip: Treat your credit card like a debit card. Pay it off in full every day if you have to. I try to pay off my balance every couple of weeks so that I don't forget. I also use Trim to remind me when payment is due. If you want to take it further, use a prepaid reloadable card instead of a credit card. These cards work just like debit cards, but they have the perks of credit cards. For example, read my Koho Review – Koho is a prepaid card with cashback, budgeting, savings goals, and more. Note that prepaid reloadable cards won't help you build credit though.

Stay Out of Bad Debt

Debt means you owe someone money, and if I've learned anything from gangster movies, you NEVER want to owe someone money. However, not all debt is necessarily bad debt.

Smart Lists in Apple Reminders

Apple Reminders gets a useful add-on called Smart Lists. They are basically your normal lists with a smart brain behind them. You can create any list into Smart list by adding conditions to the list. As soon as you create a task that meets all the Smart List conditions, the app will automatically send the task to the Smart List. No manual input is needed from users.

Use Tags in Apple Notes

This is one of our favorite iOS 15 tips. Apple Notes finally gets the fan-favorite tags add-on to organize your notes. While writing any note, you can add a #tag, and the app will create a tag out of it. The functionality also extends to the macOS Apple Notes app.

Enable iCloud Private Relay

iCloud Private Relay is one of our favorite new additions to iCloud service. Private Relay hides your IP address and Safari browsing activity from network providers and websites so that no one — including Apple can see who you are or what sites you are visiting. It shields your web traffic from prying eyes and spammers. Private Relay hides data from both the ISP and advertisers that aim to build your online profile. iCloud Private Rely is only available for paid iCloud users. You can enable the toggle from the Settings > iCloud > Private Relay menu.