Thursday, October 4, 2012

Vacation time!

As you might have noticed I was on vacation this last week..... Sorry for this small absence but I just went on a little unplanned vacation.

As a cheap bastard that I am, I tool advantage of my own saving tips. This goes without saying that I bring to you some new saving tips.

SOOO, this went on like this.

FIRST I signed up to this cupon site, GROUPON, they had this great suggestion of a 2, 3 ou 5 nights for 2,3 or 5 persons on a house (not saying where) on a beautifull place.

So went on a trip with some people, friends, those kind of friends you'd consider family! Sometimes, especially when you don't have much money to spend the company is a crucial choice, you can sometimes go on a walk all day and don't even notice the time pass or your feet swelling!!

Well I brought a big group so that the gas bill would bit split in more! Once again you are going to spend gas but you can make it more efficient:

Well the saving part was done. The rest was just having as much fun as we could. Wtih the meals already paid for there was not much to worry about.

If you have any more suggestions... comment section is below ;)

Wednesday, September 26, 2012

How to...?

Freebies, coupons, retail deals...

Practical savings almost without effort. Well almost like anything you can make any of these advanced "hobbies" and almost make them part-time jobs. But for the most of us that just want some easy saves here are some tips.

The freebie is the most desired way ti save, the problem is to get the thing you want. It's all about the search..

You have to know some basics stuff:
  • What's a freebie
That one is easy, it’s something you get for nothing — with the exception of your time or energy. Some folks don’t want to take even a minute to try to get something free (their time is just too valuable). For the majority of us, however, as long as the value of the free item is well above what we would get paid to work for our time invested — it’s a great deal!
  • Where can you find freebies
Nowadays you can find them almost everywhere (have you heard of  google?) <- click="click" it="it" p="p">Craigslist is common too, some free sites, FACEBOOK is now offering some freebies also. SEARCH THEM

  • How to tell the good from the bad
Some freebies are legit, and others are just a scam. How can you discern between them? Here are a few tips I’ve picked up over the years.
Check the privacy policy — Most reputable sites will include privacy or terms of usage agreements on their site (check the bottom of the page or the fine print at the end of the registration form for details). If you don’t see this, you may not be dealing with a trustworthy website. Understand how your information may be used to contact you about future offers, and look to see if there is a way to opt-out of marketing communications before you give out your info.
Stay way from shady subdomains — It’s easy to see that an offer housed at is being handled by Tylenol itself, but sometimes other companies will fulfill offers on behalf of larger corporations. Familiarize yourself with how web addresses work, and see if it’s possible to access the home page from any offer you may have clicked on. If a link appears to be unsecured or from a website that doesn’t look reputable, walk away without your freebie.
Avoid additional offers — Many of the freebies that I encounter from even trustworthy sites are no more than money-making or affiliate schemes. If you are required to sign up for offers or start free-trial offers in exchange for your free items, the freebie may not be for you. (Usually, the freebie offerer gets a certain amount of money for each offer you complete. They end up making much more money off of you than you’ll ever get back for the freebie — if they send the freebie to you, at all.) Go ahead and let someone else make them money. You don’t need these kinds of strings-attached offers.
What to do with freebies? Some may think of them as a waste of time or a way to clutter up your medicine cabinet. I’ve known many well-meaning and successful freebie hunters who have helped to supplement their pantry or first aid kit with the fruits of their labor, however. You may also consider using your freebie hobby as a way to contribute much-needed supplies to homeless shelters and pet charities. They’d gladly take your unwanted freebies!

Basic couponing somes up to find coupons and cashing them so:

Coupons can be found everywhere! The more accustomed we become to collecting and using coupons, the more coupons will turn up. The following articles will help everyone get started on building a great collection of coupons for food, entertainment savings and products for the and beauty and health.

Retail deals are maybe the most old of these saving ways. So I'm not going to stretch this one out. Instead I'll share this video article explaining some of the concept.



Tuesday, September 25, 2012

Saving every day... eating healthy!

You realize that eating at home, making your own food rather than buying pre-made meals is a great way to save money. What you don't probably realize is that the more healthy you cook (most of the times) the more you save!

That being you can add other ways to save in the kitchen.
This is one of the suggestion I got from some of my followers that deal with me IRL. The place where you most spend in your house is probably the kitchen. Heating energy, water, food etc. etc. etc.
From now on I will take that in consideration and explore more of that (aswell as the fuel saving, saving everyday outside, etc.) 

There are some basic concepts like: don't throw away food if it's good since it can potencially "stretch" future meals; or having a clean a organized kitchen makes you spend less energy; and on an on...

Those simple tips is what is being explored here you ways to make it even easier and efficient.
So today I leave you with this simple recips and tips ;)

Monday, September 24, 2012

Returning to Hipermileage!


  Since the old prices are not coming back..

(save for yourself)
Well there are some basic tips like:

  •  Properly inflated tires
  • Right viscocity oil
  • Cleaned air filters
Well for more I give you the tips from Jack Martin:

And guys I would really like to reach the 500 follower mark before de end of November!!
Use the comments to suggest new articles or ways to improve the page ;)

Sunday, September 23, 2012


To take a litlle beak from long articles since today is sunday, I leave you to think about this litlle video.

 And then we have the news about Apple's infrared 'camera kill switch' patent !

Yet this girl that thinks wisely and wants so save just by not beeing fooled by the "internet" and waiting in line for a $200 iPhone 5 ;)

Friday, September 21, 2012


save Spending and Saving Goes Hand In Hand
Yes you can! Why not? Whether you have a big family or small, your ability to save money is still very sound and applicable. It said and confirmed that; a focused mind is the most powerful weapon that an individual can possess. Of course, the right knowledge is necessary and very important for you to be able to comfortably concur with this important mission.
Logic and wise spending
It is of great importance to note that money is easily spent than it is earned. For you to always stay on the safe side, try to create awareness of this fact to every family member. The earlier you train your children the need of wise spending, the better it is. This is because; children tend to imitate their parents or guardian more than any other person. Don’t let school decide the basic characters of your children. For your information, it is well said and done that heroes are made and not born. It is true that children have high demands and can make you spend money unwisely. But you can control this by setting aside a considerable amount intended for their use only. After doing this, start an analysis and point out the basic needs verses wants. Ensure that you trim the wants, and, guess what? There you are; save this amount every month for better.
Go forth: Budgeting Priorities
Saving money can be likened to moving forward, while spending is definitely going back. This slogan equation can be amended farther to be; forward ever backward never. The effort to achieve this is in fact very minimal. You just need a budget. Ensure to highlight in your budget priorities i.e., 1st priority, 2nd 3rd and so forth. Prioritizing is the most important component of an effective budget. This brings to your attention that not all budgets are effective.
Operate within your budget.
For instance, you can point out things like electricity bills, water bills, house rent and the likes to be your number one priority in your prepared budget. You will be doing this to ensure that your hard gotten salary or income goes to right use only and first.  Also by this, you’ll avoid being the kind who spends anyhow and begin to rely on debts in the long run. Nevertheless, if you find yourself being in constant debts, that is not the end of you. Henceforth you can start working on a prioritized budget which will help you save money. In conclusion, you will be able to even repay all your debts within a period of intensive saving by living within your budget.

Tuesday, September 18, 2012

10 easy tips

Found this great article that i thought i would share with you:


Keys to Financial Success

Although making resolutions to improve your financial situation is a good thing to do at any time of year, many people find it easier at the beginning of a new year. Regardless of when you begin, the basics remain the same. Here are my top ten keys to getting ahead financially.

1. Get Paid What You're Worth and Spend Less Than You Earn
It sounds simplistic, but many people struggle with this first basic rule. Make sure you know what your job is worth in the marketplace, by conducting an evaluation of your skills, productivity, job tasks, contribution to the company, and the going rate, both inside and outside the company, for what you do. Being underpaid even a thousand dollars a year can have a significant cumulative effect over the course of your working life.
No matter how much or how little you're paid, you'll never get ahead if you spend more than you earn. Often it's easier to spend less than it is to earn more, and a little cost-cutting effort in a number of areas can result in big savings. It doesn't always have to involve making big sacrifices.

2. Stick to a Budget
One of my favorite subjects: budgeting. It's not a four-letter word. How can you know where your money is going if you don't budget? How can you set spending and saving goals if you don't know where your money is going? You need a budget whether you make thousands or hundreds of thousands of dollars a year.
Related Resources:

3. Pay Off Credit Card Debt
Credit card debt is the number one obstacle to getting ahead financially. Those little pieces of plastic are so easy to use, and it's so easy to forget that it's real money we're dealing with when we whip them out to pay for a purchase, large or small. Despite our good resolves to pay the balance off quickly, the reality is that we often don't, and end up paying far more for things than we would have paid if we had used cash.

4. Contribute to a Retirement Plan
If your employer has a 401(k) plan and you don't contribute to it, you're walking away from one of the best deals out there. Ask your employer if they have a 401(k) plan (or similar plan), and sign up today. If you're already contributing, try to increase your contribution. If your employer doesn't offer a retirement plan, consider an IRA.

5. Have a Savings Plan
You've heard it before: Pay yourself first! If you wait until you've met all your other financial obligations before seeing what's left over for saving, chances are you'll never have a healthy savings account or investments. Resolve to set aside a minimum of 5% to 10% of your salary for savings BEFORE you start paying your bills. Better yet, have money automatically deducted from your paycheck and deposited into a separate account.

6. Invest!
If you're contributing to a retirement plan and a savings account and you can still manage to put some money into other investments, all the better.

7. Maximize Your Employment Benefits
Employment benefits like a 401(k) plan, flexible spending accounts, medical and dental insurance, etc., are worth big bucks. Make sure you're maximizing yours and taking advantage of the ones that can save you money by reducing taxes or out-of-pocket expenses.

8. Review Your Insurance Coverages
Too many people are talked into paying too much for life and disability insurance, whether it's by adding these coverages to car loans, buying whole-life insurance policies when term-life makes more sense, or buying life insurance when you have no dependents. On the other hand, it's important that you have enough insurance to protect your dependents and your income in the case of death or disability.

9. Update Your Will
70% of Americans don't have a will. If you have dependents, no matter how little or how much you own, you need a will. If your situation isn't too complicated you can even do your own with software like WillMaker from Nolo Press. Protect your loved ones. Write a will.

10. Keep Good Records
If you don't keep good records, you're probably not claiming all your allowable income tax deductions and credits. Set up a system now and use it all year. It's much easier than scrambling to find everything at tax time, only to miss items that might have saved you money.
Related Resources:

Reality Check
How are you doing on the top ten list? If you're not doing at least six of the ten, resolve to make improvements. Choose one area at a time and set a goal for incorporating all ten into your lifestyle."

These are great basic tips that can apply to anyone.