cash

5 Ways to Make Your Cash Last Longer

The present financial environment does not make it simple to conserve cash and enhance your current financial situation. You continuously need to think of ways to make your cash last for the standard basics and at the same time you cannot afford to have anything unanticipated to occur and then there aren’t any resources to cover it.

To assist you in making your cash last longer, here are 5 really easy means that you can experiment with. They may just make your financial circumstances look that much more colorful already.

1. Know How to Budget

The simplest method of making your cash last longer is all about budgeting.

If you are mindful of your spending and prepare for it each month, you are going to be economically much better off.

Make sure you review some creative budgeting pointers online and take them on board. You can even make budgeting a lot more enjoyable and practical by doing it on a Smartphone. There are numerous excellent budgeting apps to check out. Here is a guide with some of the best budgeting apps available.

Savings_accounts2. Preserve Food Better

The quantity of food we squander each week is truly shocking. Since we either shop incorrectly or we do not understand exactly what to do with our leftovers, we end up tossing away so much food.

If you discover how to store your food better, you can make your cash last for longer, as you are not spending allot of money on extra food. The web teems with useful guides on how to do this. Additionally you can invest time trying to find some great recipes for leftover food.

3. Spend More Time with Family and Friends

You could feel puzzled about this suggestion; however spending more time with family and friends is an excellent way of conserving cash. These days with the internet and social media, we don’t really talk or go out with friends and family anymore; instead we rather go to the cinema, a bar or play costly video games in order to have a good time.

So to conserve cash here, you can rather welcome your pals or some family over just to socialize. Normally, you can open a bottle of wine and have some treats or have a BBQ; and it’ll still be a lot less expensive than spending cash at a cafe.

4. Shopping Wholesale

Wholesale shopping is a brilliant method of getting much more with your cash. As you are getting items straight from the wholesale business, the products do not have all the extra expenses included in the cost that sellers normally should include. It is a great budget-friendly alternative.

Shopping for wholesale clothes is specifically a great concept for students and households. If you go shopping together with your pals you can end up making a lot of cost savings. Shopping wholesale is likewise an excellent alternative for smart fashion buyers.

Businesses like All Stores Clothing do offer all the current fashion trends for which you don’t have to pay a fortune for.

5. Begin Blogging

You most likely have a pastime that you are truly enthusiastic about. So wouldn’t it be a great idea, if you can offer a few of your competence to other like-minded people through a blog.

Establishing a blog site is an excellent and easy way of having something low-cost to do and at the same time earn some extra cash through it.

To start off, you can either use platforms like Blogger or WordPress to set-up your personal blog.

There are great ways you can monetize a blog site. Check out these ideas to start monetizing your blog, and begin making some additional cash whilst having fun at the same time.


5 Simple Ways to Pinch and Save Every Month

In a struggling economy, it can be difficult to save extra money when finances are stretched and the bills continue to build. With added debt that has acquired overtime, it can be even more difficult to set aside extra money to save. Although it can feel impossible to save, there are a number of ways to ensure that you make room for extra cash that you may need for a rainy day fund.

1. Cut Coupons

Coupons are essentially free money for items that you may already be purchasing on a consistent basis. For household items and groceries, it’s possible to cut the cost in half by obtaining the right coupons and doubling them. This works well when pairing them with store discounts for a great way to stock up and never buy items for full price.

An increasing number of websites and blogs are becoming popular for ways to stay updated on daily sales, promotions, and coupons currently available. The blogs can easily send you emails on when the highest savings are available and even when certain stores are doubling coupons.

More_money2. Use Cash

Studies have proven that when paying for goods or services with cash, people naturally tend to spend less money because it’s easier to see how much money they really have instead of trying to guess. Handling cash instead of relying on a credit card will make it easy to be more aware of how much money you really have instead of overspending. It will also prevent you from spending more by forcing yourself to only rely on that cash until your next payday.

To ensure that you stay within a budget, use different envelopes to put the cash in and use until you get paid next. You’ll quickly learn how to stretch the money and prevent spending more than you really need. This will also help you to make a list of items you need before visiting the store.

3. Buy in Bulk

Purchasing food, paper items, or household supplies in bulk will ensure that you save more in the long run instead of paying up to double the price for a single item that is sold individually. Buying in bulk from wholesale retailers will ensure that you’re still able to obtain the same types of products without having to compromise on the quality or brand.

4. Buy Generic Brands

Generic brands are a simple and easy way of saving more money for products that use the same ingredients as the big name brands. Generic brands are sold at a fraction of the cost and often work or taste the same. Although the packaging may not be as attractive, it’s worth the savings you’ll obtain for an easy way to save extra money and not pay any more than you really need to.

5. Compare Prices

Whether refinancing your home or shopping for a credit card that has a low interest rate, there are a number of ways to obtain the most affordable services and tools through websites like RateSupermarket.ca. You’ll be able to review the latest products and services, which includes savings accounts, GIC rates, insurance quotes, and mortgage rates for a great way to ensure that you’re consistently getting the best offers available.

It will provide peace of mind by reading a number of different reviews and choosing the right services that fit your financial needs and overall lifestyle. Several different tips and advice is also available for a great way to stay organized and in control of your life with free access to the website.

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Ways To Soften The Blow Of Having No Money

Money SavingIn an ideal world we would all have enough money to do what we want when we want to, but this is not an ideal world. Instead, there are times when any of us may experience a shortage of money and this means that we will not be able to do all that we want to do. While it may sound like a very boring and unpleasant thing to happen, it doesn’t have to be so bad provided you handle it right. Get it right and being without money doesn’t have to be nearly as bad as you might imagine it to be.

Think Ahead

If you have no money for the essentials such as paying the bills and buying food then it can be a very unpleasant time indeed. As soon as you are able to, you should try to get the essentials covered so that if your money does run out later on at least you have everything that you need. You may still be left wishing that you could fast forward to payday, but at last you won’t have to worry about what you will eat or having to deal with an angry landlord.

Find Good Company

Being alone with no money and nothing to do is nobody’s idea of a good time so why not visit friends and family. They may be staying in themselves anyway meaning they might be glad of the company or you could also consider inviting them over to your house. Good company should cost you nothing although you may still be able to stretch to some refreshments and maybe a movie. Even if you all have a little money you can do more with it if you pool it together. Instead of sitting around alone feeling sorry for yourself because your wallet is empty, get on the phone to see what other people are doing instead,

Raise Some Cash

It is advisable to avoid borrowing money if at all possible but there are times when you simply cannot do without it. If you do urgently need money then you could try asking somebody you know for help or maybe consider a payday loan to help you fast forward to payday and get some cash. Be careful not to abuse any line of credit though otherwise you may find yourself with angry debtors and mounting debts that need to be settled. Try to use credit only when you really need it and be sure to pay it back as soon as you possibly can.

Go For a Walk

Walking costs nothing and is a great way for you to get some exercise and maybe even enjoy the countryside. You could spend the whole day rambling through the countryside if you so wished and it would be a lot more enjoyable than feeling down in the dumps while sat at home penniless. If you have dogs then that’s even better as you will have some companionship with you. If you are not up to going on long walks then even a short stroll will help to break up the day and relieve the boredom.

Sometimes things get tight and Jamie Finch runs out of money but he tries to get by the best he can. If he is really stuck though, he finds that loans from fast forward to payday will help him out.


The Best Ways to Raise Cash quickly when you’re in a Pinch

In the on-going difficult financial climate, many of us are feeling the pinch more than we used to. The costs of food, petrol and energy have soared, with wages remaining frozen or having increased only slightly. So it’s not surprising that many people are struggling to make ends meet financially.

While most people manage to get by through making cutbacks and sacrifices, there may come a time where you need to raise some money pretty quickly. This could to meet the cost of an emergency repair or unexpected bill, to pay for a gift for a special occasion or anything else that you hadn’t budgeted for. If or when this situation arises, there are a number of ways you can raise fFast Cash without having to resort to borrowing.

Ways to raise fast cash without borrowing

There are a number of ways you can raise modest amounts of cash quickly and without the need to turn to credit cards, loans or even family and friends.

Car boot sale: Most people have items around the house that they do not want or use and which are in pretty good condition. Rather than leaving them to gather dust and clutter up your property, have a car boot sale. This will enable you to de-clutter your home as well as helping you to raise some much needed cash. Remember, one man’s rubbish is another man’s treasure – don’t assume that just because you don’t want something others won’t want it either.

Get rid of your unwanted clothes: Many of us have a variety of garments hanging in the wardrobe that we never wear and in some cases cannot even get into. Again, don’t leave them to gather dust and take up valuable wardrobe space. Find websites where you can sell unwanted clothes and make some fast cash as well as making more room in your wardrobe.

Recycle: Recycling can be good for the environment as well as for your pocket. If you have old mobile phones or other electrical devices that you no longer use, you can recycle and get money for them – even if they are not in working order, sometimes. This is another great way to de-cluttering your home as well as raising money quickly.

Use your creative skills: Some people are very creative but fail to put their skills to good money-making use. For instance, you might be a dab hand at baking or skilled at creating homemade greetings cards or crafts. Honing your skills and doing a little inexpensive marketing will enable you to start selling the goods that you make, and you could eventually turn this into a little home business and generate impressive money.

Take and sell photos: There are a number of sites that allow you to upload and sell your copyrighted photos. People buy all sorts of images online for things ranging from arts projects to eBook covers. Open up an account with these photo sites and put your pics up for sale – you might be surprised at how much interest you get from buyers.

Image Source : http://www.flickr.com/photos/seanfx/5092674798/


Personal Finance The Peter Griffin Way

Personal FinancePeter Griffin is the not so lovable dad in the hit television program, Family Guy. Unfortunately for Peter it would seem that the producers have used a fairly stereotypical typecast for his character. Sadly this means that he joins a long list of other crass, rude impulsive and somewhat dense parents. He could easily be accused of living in the past.

This blog post will use a degree of humour in highlighting the methods that Peter adopts regarding personal finance, plus more importantly why they might not be right for everyone.

Value for Money

For most people, cash will become more difficult to come by. However, this doesn’t stop us from spending it on things that we don’t really need, or the things that represent poor value for money. The way to keep more of your hard earned income in your own pocket is often to adopt a brand new policy. Don’t buy something that you just don’t need.

Buying something because it looks “cool” can be great initially. But, when the novelty factor has worn off, things won’t be so amusing. This normally happens around the time that the credit card statement lands on your mat.

Seek value for money when buying important items. There is nothing wrong at all with shopping around before making a commitment to purchase something. In all probability you will have saved a good deal of money in the process.

Peter Griffin’s example on how to do things:

Peter – I’ll give you $40 for that coffin.

Shop keeper – Sorry sir, this casket is priced at $1000.

Peter – Okay, I’ll give you $2000.

Shop keeper – Sir, $2000 is double what it costs.

Peter – Very well, $60 is my final offer.

Brian (to the store owner) – He doesn’t know how to haggle!

Of course the above example over-exaggerates the point, but it is important to be as savvy as possible when trying to negotiate with store owners. Some of the best savings can be made when you have a good understanding about just how much the store actually pays for their item. The Internet is a powerful source for this kind of information. Whilst you might not arrive at the exact net figure, it should still give you a firm platform on which to base your negotiation on.

Sensible Credit Card Usage

Another great example provided by the aloof Mr. Griffin can be found when he is at a local lemonade stand:

Lemonade girl – Sorry sir, I can’t take a credit card. I need real cash.

Peter – Oh yeah? What are you selling? Meth, Ecstasy, Crack, Block, Dust? IN MY NEIGHERBOURHOOD, I DON’T THINK SO!

Of course in reality, most people wouldn’t try to buy something so small with a credit card. Or would they? How much different is the above example, from buying a Latte at somewhere like Starbucks and placing it on one’s credit card?

Constantly using a credit card to pay for things will often mean that there is little or no connection around the real cost. This is very different when an individual reaches into their purse or wallet and hands over their own money. One particular aspect of overuse of a credit card is that the holder will often find they have considerably less disposable income available, as a result of this they are more likely to resort to either a consolidation loan or a cash advance.

Financially Coherent

The final element of this blog post will concentrate on Peter’s ability to understand financial contracts. In one scene the lovable family dog (Brian) enquires as to whether or not Peter has read the document properly:

Brian – Peter, have you read the small print on this loan agreement?

Peter – If by “read” you mean did I imagine naked ladies, then yes.

The main thing here is to take your time and read all legal documents carefully. Best practice would suggest that a family should have their own person that they can trust when it comes to the checking over of loan or cash advance documentation.

Assuming that the other party has your best interests at heart will inevitably lead to an additional financial burden that could so easily have been avoided.

Bob Emerald is a copywriter who has a great interest in financial matters. Even when watching cartoons after work, he still thinks about how the characters should actually run their finances, perhaps with a cash advance.

Image Source: http://www.flickr.com/photos/alancleaver/4375850315/


Budgeting Tips for Students Abroad Seeking an Affordable Lifestyle

Budgeting Tips for Students Abroad Seeking an Affordable Lifestyle

The opportunity to study abroad can be a formative and life-changing experience. It is a thrilling chance to further your learning whilst exploring another culture and seeing exciting things. It is an opportunity to grab with both hands and here are some ways to ensure that your hands are not tied by those purse strings.

Here is how to make the most of your studies abroad – and still see and do what you wish – simply by living an affordable lifestyle.

Do your homework

You wouldn’t write an essay without first doing some research would you? If you want to have an affordable lifestyle you need to prepare yourself to save money by researching the place you are to stay in. Look out for travel deals that can save your cash and find inexpensive accommodation, restaurants and attractions to visit.

Use your network

Friends and family may know people who live where you are going so ask around. Get information from classmates, teachers and on-site programme directors on how best to enjoy your experience abroad without draining your finances.

Make your phone a truly smart phone

Internet calls from overseas are so much cheaper than suffering horrendous mobile roaming charges or traditional phone networks international rates but this does not mean you have to be in front of your computer every time you make a call.

Service providers such as Vonage give you an adapter that can convert any phone near a broadband router into an internet phone and let you call home for much less.

Ask the experts

Speaking to the locals is a must if you are to find out the cheapest ways to do things or the best value deals. It is also a great way to start feeling really at home.

Keep on track

Set yourself realistic spending limits and stick to them. Depending on your preferences these can be detailed daily plans, a weekly budget or simply a monthly allocation.

Some prefer to have living and luxury budgets that they keep separate so that treats such as trips, meals out and purchases are kept apart from general living costs. If you are going to effectively budget an online banking account is essential to make it easy to keep a regular eye on what has been spent and on what.

Explore your accommodation options

A large proportion of your budget will go on accommodation so making sure you explore all your options here is crucial. If your university-sponsored programme offers reasonable and affordable dormitory-style housing on campus then this is likely to be your best bet.

Another avenue to explore is accommodation that caters specifically for students but is provided by other organisations than the university you will attend. If neither of these is available there may be a homestay program, an opportunity to house-share with other students or local hostels that are available at cheaper rates than renting a place on your own.

Prepare to have the time of your life

With some careful preparation, ongoing research and a little bit of self-discipline there is no reason you shouldn’t be able to live within a budget that allows you to make the most of your time studying abroad without getting the first degree from your bank manager back home.

About the author

Mat Fidge studied in Seville in Andalucía for a year in 2010, taking advantage of a VoIP service to make affordable calls when in Spain. He lived with a local family who he still regularly calls, using the Vonage VoIP phone service.

Image Credit: 1,2


5 Ways to Be Frugal

5 Ways to Be Frugal

Being frugal does not imply that you are cheap, selfish or mean. You are only being frugal because you are trying to save for something specific or clear a certain bill. To stay focused, you have to write all your goals down and know what you want to achieve. Through a lot of commitment, you will be in a good position to meet all your goals.

1. How To Be Frugal
First of all, you should calculate the amount of all the cash that you have on hand, and how often you will receive more cash. Once you finish, you need to compile a list of all the things that you need. Then, go through it again to confirm that all of these things are actually necessities. Once you have made the confirmation, it is advisable that you start calculating the cost of the different commodities that you have listed. This way, you will know the amount of cash that you have to spend every month.

2. Start Shopping!

Look for stores that have free samples and discounts. The free samples will come in handy, and you will not have to spend a single cent on these items. By searching and asking around, you will be able to find different places where you can be given different kinds of samples. The best place that you can go to is online. Once you have subscribed to various listservs and emails (if you don’t want your email full of junk, open an account just for this), all the items will be sent to you through your mail. To keep getting the deals, you’ll have to renew the subscription.

3. Go Green!
Use energy-saving equipment. These include solar panels and energy-saving bulbs. When using a panel, you won’t have to make any electricity payments. This is because you will be getting your energy from the sun! Just.make sure that it has been installed in a place where it can be fully exposed to the sun.

4. Medicinal Cures

When buying medication, you will notice that the brand-name items are more expensive than the generic brands. If you are really trying as much as you can to use less cash every day, you should really purchase the generic medicine. They are effective, and so long as you follow the instructions carefully, you will be able to heal all the same.

5. Bonus Tip
To really be frugal, invest the cash you have saved on a lucrative project, some promising stocks or at least a good savings account. This way, you will be making more cash at the end of the day. After you’ve worked hard enough, you can finally reap the rewards!

Taylor Levine writes about frugality, travels extensively and frequents Homeownersinsurance.org.


Getting an Emergency Cash Advance for Christmas

Getting an Emergency Cash Advance for Christmas

For those who need a little extra money during the holiday season, a cash advance can be the best solution. If you are like many others around the world, the holiday season is a time for joy, glad tidings, and a great deal of stress. Between the cost of presents, holiday meals, decorations, and travel, bank accounts and energy stores get drained in almost equal fashion. Choosing to get a cash advance can take alleviate much of the stress so that you can spend your time enjoying the holidays instead of worrying about money.

How to Get an Emergency Cash Advance

There are a number of ways to get cash fast when you need it. Some banking institutions are able to offer home equity lines of credit or home equity loans, though these sometimes can take a while to be approved and are many times not approved at all. Credit card holders may also be able to get some cash through their cards, though this is usually dependent upon the bearer’s credit rating and how much available credit is left on the card. A more certain way to get emergency cash is through a payday loan company.

How Do Cash Advances Work?

Payday loan companies, when used responsibly, are an excellent resource for quick cash. In most instances, you write the loan company a check for the amount you need as well as a fee for the money. The loan company holds onto the check until you are able to pay. If you can’t pay the money back at the time you had planned, they will continue to charge fees. For those who do not have checking accounts, there are sometimes other arrangements can be made. Interest rates and payment schedules will be made available to you at the time you take out the loan.

Why Do Cash Advances Have a Bad Reputation?

There are plenty of opinions available when it comes to cash advances, particularly from payday loan institutions. Overuse of anything, from video games to potato chips, can cause unsavory consequences, and the same is true with cash advances. When a person abuses the service, they can find it difficult and even impossible to pay the agreed upon fees. However, when a person is responsible with their loans and pays the money back on time, they have nothing to worry about.

Where Can I Find a Cash Advance Company?

Most cities and towns have cash advance companies. Some are large, well known entities while others are mom and pop establishments. It is always best to use a company that has a good reputation. If you have the time, ask around and even call different cash advance companies to learn their interest rates. Even more convenient are payday loan companies with an online presence.

The holidays should be spent with loved ones, not pouring over financial records. If you find yourself in need of money to cover holiday expenses, a cash advance can help you get the peace of mind you need.


The Who What When Where and Why of Getting Cash for Gold

Since the devastating recession of the American economy in the winter of ’07-’08, the battle cry of the average, hard-hit American has been “Cash for Gold!” This catchphrase is heard and seen everywhere, and has become deeply ingrained in our subconscious. What advertisers tend to do, however, is to robotically repeat the same lines about gold being at record high prices without clearly explaining the reasons for this phenomenon and the future of this field. Stop right here if you trust the advice of money- hungry gold buyers who inform you about the precious metals field on a need-to-know basis. Continue reading only if you really would like to understand what you’re doing before you finally sell gold in an effort to bring extra cash flow into your finances.

Firstly, it’s vitally important to understand the relationship between the value of the dollar and precious metals like gold, platinum, and silver. Before we happily kept bespectacled Benjamins in our wallet and passed solemn Washingtons to the guy behind the counter in Starbucks, currency itself was actually valuable. Coins were made out precious metals like gold and silver. The money itself actually had value. Today, our currency is made out of worthless paper. The money itself has no value; it rises and falls with the country’s economy. A scary reminder of the worthlessness of actual money is the Post-WWI depression in Germany. Money was hyper-inflated, and there are pictures of children building towers out of bills, a housewife burning money in a fireplace because it was cheaper than coal, and a man using bills as wallpaper. It is now easier to understand why during a down economy, people flock to items of tangible value, and why the price of gold and other precious metals, the symbol of wealth, rises sharply.

This phenomenon can clearly be seen when studying yearly graphs charting the fluctuation of gold prices from before the recession to the present. With the difference of the numbers, the same trend applies to platinum and silver prices. Since 2000, the price of gold had been slowly rising at an average of 50 to 100 dollars per ounce a year. In the beginning of 2007, the average price of an ounce of gold was $650. When the recession hit in the winter of that year, the price jumped 200 dollars to $850 an ounce in just a few months! During the dismal economy of 2008, the price of gold wildly fluctuated between $700 and $1000. While the value of the dollar stayed low in the years 2009 and 2010, the price of gold climbed steadily 200 dollars a year, ending at $1400 an ounce in 2010! Thankfully, since we’ve entered the year 2011, the economy has begun stabilizing. Correlating to the stabilizing value of the dollar, the price of gold has begun stabilizing; it has declined from $1400 to $1320, and then risen to $1440. Following this trend, when the economy continues to stabilize and the value of the dollar rises….if you’ve been following, you understand that just as the price jumped when the dollar plunged, as the economy and the dollar rise the price of gold is about to plunge.

So how does this apply to the average small business owner? Gold, silver, and platinum really are at record high prices, and as history repeats itself, the next step is down. This is a great opportunity to make some serious fast cash. Old jewelry and heirlooms which have been collecting dust are worth a lot of money in the market right now. You can make big bucks from selling platinum, gold and silver. Before selling, however, it’s important to ensure that you get the most cash for gold and that you’re dealing with honest precious metal buyers. Kitco.com is a resourceful website that has current selling prices and a host of information about the precious metals market. It’s also advisable to deal directly with online buyers rather than jewelry stores, since they can offer more cash for gold as they cut out the middlemen and melt down the metal themselves.

In conclusion, selling gold is a great way for anyone to obtain some extra cash. However, the time to act is now, before prices plunge and the boom of the precious metals market becomes a bust.

Bio: Mark Rich is a jeweler and gold expert who urges consumers to get cash for gold now, while the going is good. He recommends Captain Cash for Gold, a metal refiner that is dedicated to a policy of integrity and reliability.


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