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 ;)
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 www.tylenol.com
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.
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 ;)
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 ;)
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., 1stpriority, 2nd 3rdand
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.
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.
Well I know I said this in the past, but.... I'm back!
The last time I posted something was almost 2 years ago and many things have changed. Since then I changed jobs, lost jobs, had money, lost that money, everything! But one thing did not change, the need to save. And even in the news this days they'll give you some advice on how to save some.
So as long as I have the time (and these days I have lots) I'll share some tips with you again! Again, feel free to contribute (comments, messages, everything is welcome)!
As usual I'll leave you with something as I prepare for future posts. And this time I will try to make posts daily!
