saving tips

10 Practical Ways To Save Money In Everyday Life

If you have a money-picking tree in your back yard, please invite me over and stop reading this now. Otherwise the following 10 easy and practical money-saving tips below were created just for you! These ways of saving money prove it is possible for anyone, anywhere to get the things they need in life, without emptying the bank account to do it.

While there are literally hundreds of ways to cut costs inside of your home, we’re providing you with 10 of the best, most practical ways to keep more money in your pocket to spend on the thing that you want.

1. Use VoIP Services

Voice over Internet Protocol service include Google Talk and more popular, Skype. Each of these services enable to you to make local and long distance calls, sometimes at no charge, as well as international calls at some pretty awesome rates. You can save tremendously and there’s no special software of equipment needed.

2. Cut Off the Water

Would you believe that a leaking bathtub can be very costly? That drip may seem harmless enough, but each trickle into the tub or sink can add up to more than 90 gallons of waste water per year!

3. Cut off the Power

A common thing for people to do is walk into a room, flip on a light, an appliance or electronic item, use it and then go about their business, leaving the light and the other item going, using up a plethora of power as it goes along. Make sure that you do not do this because just like a drip it can be very costly.

2102396938_83992de0414. Use Coupons

Coupons are lots of fun, they’re quick and easy to print, and they save you A LOT of money. Although those extreme couponing shows you see on the TV may be a bit far-stretched, you can really rack up the savings if you learn how to use the coupons effectively, such as combining with sales/clearance deals.

5. Stop Wasting

Whether it is food or drinks, paper products or bathroom toiletries, wasting the items that you use can cause you to buy the items more frequently and spend money that could be put to good use elsewhere.

6. Stop Rushing

Being in a hurry to make a decision oftentimes results in inadequate thought or planning put into that decision. You’re far more likely to regret your choice later, and this can be costly. Think about your bank, the credit card in your wallet, even the utility providers that you are using. Are they really the best? Do you know this for a factor or just think? You can always make free and easy comparison if you stop rushing and take the time to do it.

7. Make a Shopping List

Going to the market prepared with a shopping list will make our time in the market easier, and it will also help you save money since you have already made your comparisons, clipped you coupons and know just what you want. Stick to the list and you will notice a nice change in the dollar amount your receipt is tallying…a nice 10 to 25% can be noted, and even more if you’re super savvy!

8. Switch You Appliances

How old are your appliances? If they are past the 10 to 15-year timeframe it is safe to say that it is time to replace them. Not only will your appliances start to wear down and cause problems, they’re probably not energy efficient, and could be costly you dearly.

9. Try DIY

There are many DIY projects you can tackle and save money, and a great deal of it if you allow your creativity to soar. Make your own shampoo and soaps, make your own cleaning and beauty products, make your own repairs –the list of things that you can do on your own Is endless.

10. Stop Eating Out

At $7 to $10 (and more) per person for fast food dining, a family of four can easily spend $40 or more. Add this up three times per month and you’ve wasted $120. Eliminate the amount of money that you spend eating out. Save that money for a rainy day!

You can find number of other ways to save money as explained by Priya N. on Jobs8Home. Money saving is money earning and if you are really serious about saving good money then you must bring these tips into practice.

Money Saving Tips for First Time Students

Money Saving TipsFor many young people, going away to university represents their first independent steps into the financial world – and they can be overwhelming. Having to budget for food, bills, course materials and more can often leave many first-time students feeling depressed and overwhelmed. But it doesn’t need to be a challenge. With a little forethought and planning, it’s still possible to make even the tightest student budget stretch to cover everything you need.

Housing is an important consideration. While the all-inclusive option of student housing may seem like a great idea at first, removing the worry of bills and council tax, most student halls are now run by private companies that are profit-driven and don’t always represent the best deals. It’s worth investigating houseshares as an alternative; the rent is commonly around half the price of private student housing, and your household can work together to save energy and reduce bills. If you get along with your housemates, it’s also a great idea to cook communally. This saves a lot of money on your food bills, minimizes food waste and creates a great environment to live and work in too.

As well as saving money on where you live, an alternative approach can save you money on your course materials too. Check second hand bookshops for your required texts, or ask around on places like Freecycle or University message boards to see if any older students have texts they would be willing to part with for a discounted rates. These days, you can also find many important texts online, so check with your tutor if there is a cheaper way to access the material you need.

As a student, you’ll obviously want to spend some time socialising and having fun, but this doesn’t need to break the bank. Keep an eye on websites like Groupon and LivingSocial to find special deals at local restaurants and offers on nights out, and make the most of discounted students nights at local bars and clubs. You can also get great deals in local shops with your student ID, so make sure you have it with you at all times. Also, check out the fun things to do for free in your city. You’ll find museums, parks, historical sights, hiking and walking trails and plenty more to do that doesn’t cost a penny in every city.

Every student has a mobile phone, but do you really need to be spending the equivalent of a week’s food bill on a contract to get the latest iPhone? Instead, why not opt for an older model smart phone and pay half the price? Or, if you mostly use your phone for calls and texts, a pay-as-you-go tariff could be the best choice for you. Many networks let you order a free SIM card to try out their services, with plenty of deals available such as free texts and free calls to other users on the same network. For international students, check out a specialist service provider that offers discounted rates on calls to other countries. For example, networks like Lebara offer great opportunities for calling Pakistan cheaply, while others offer texts to places like India, China, Africa and Eastern Europe for as little as 10p per text.

Taking these first few steps into the world of finance can be scary at first, but with a little help and advice you’ll find yourself on your feet in no time at all.

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.

2 Saving Tips and 2 Money Making Tips to Take You Forward in 2013

Money saving tipsThis year, 2013, could be a tough one when it comes to household finances. The latest financial data shows that the worldwide economy is still looking uncertain and the average global citizen is still facing slow wage growth, combined with increased inflation.

So with take-home pay almost frozen and the cost of living increasing, many consumers are facing a squeeze on their finances.

However, if you’re clever with the way you save and spend money, you can weather the storm and still live well. Check out the advice below, to learn how both to save money and spend it this year.

Saving money 1: switch providers

In 2013, almost all your bills will be from one of the many companies that provide you with a service. So whether you’re looking at your internet, phone, gas, electricity, insurance, banking or mortgage provider, if you think you’re paying too much, there will be alternatives out there.

All these companies are competing against each other for customers and they know that in these tough economic times, consumers are looking increasingly to the bottom line.

This trend means that there are great deals out there, especially if you’re willing to enter a long-term contract with a company.

Saving money 2: use comparison websites

Whether you need a new TV or dishwasher, or the services of a lawyer or other professional, make sure you shop around online first

Either you can trawl the internet yourself, which takes time and effort, or you can use a comparison website, where you fill in an online form just once and get lots of results that you can easily compare to find the right deal for you.

Money making 1: make money online

The internet is a great way for people to connect with each other and that means it’s now one of the most powerful ways of earning cash.

You could set up a new business like a blog site that attracts advertising revenue, or an online shop, where you sell goods to people across the world.

On the other hand, you may prefer to work for others as a freelance online writer, producing stories for a blog site, or you might use your skills to become an online tutor.

Money making 2: sell unwanted goods

In the old days, people would give their unwanted goods to the local thrift shop or simply throw them on the tip. However, in 2013, the internet provides one of the best ways to make money from your household junk.

By using websites like, you can make sure stuff you would normally give away for free or throw out makes money for you.

5 Tips for Saving Money When Buying

children summer clothesThe coming of summer means that it’s time for another round of clothes shopping. However, this can be an expensive venture, especially if you have multiple kids, and chances are good that they’ll outgrow their new duds by next year. Therefore, it’s important to find any way possible to cut costs. Here are five ways to save money when buying your children summer clothes.

Take Advantage of Sales

Sales are a parent’s best friend. Whether they’re clearance sales, end of season sales or back to school sales, you’re sure to find deals that will save you a bundle. If you restrict your shopping to stores that are running sales, you shouldn’t have to spend too much on summer clothes. Furthermore, it’s also a good idea to check the ads that come with your paper. You may be able to find coupons for additional money off. Do your research, so you know when the best sales are happening and the best deals are available.

You can also take advantage of sales by shopping and getting together with friends. Get together with those people you know who like to shop sales, and share shopping tidbits and secrets. Then head out on a shopping spree that is sure to save you big bucks and provide entertainment with your friends or family.

Shop Online

Oftentimes, buying your kids’ summer clothes from online retailers results in big savings. These sellers don’t have the same expenses associated with local stores, and that money saved is passed on to you as the customer. This also opens up the ability to take advantage of coupon codes. These can give you bargains like a discount, free shipping, or even a free purchase.

When shopping online, ensure that you are getting the best deals by comparing several different sites and several different brands. The ease of online shopping allows you as the consumer to pick and choose only the best deals and compare prices of clothes. Take a few minutes to find the best deal, and your wallet will be thanking you.

Get Social

Many retailers today have a presence on social networking sites like Twitter and Facebook. If you follow them or become a fan, you can be privy to exclusive sales, discounts, coupons and codes. If you focus on stores that already tend to have low prices, you could end up saving even more. Some stores will even have giveaways or free products on their social media accounts. Get in contact with these accounts and stay updated to get the best deals possible.

Thrift Stores

Thrift stores and second-hand shops have become extremely popular ever since the economic downturn. When you’re looking to buy kids’ clothes, don’t be so quick to pass these places up. You can find a wide range of stylish clothing brands at a fraction of the cost of buying them from regular stores. Sometimes, you can even find brand-new clothes with the tags still on them. These shops are a particularly good place to search for jeans, which are very expensive new. However, some searching may be necessary as they often mix the kids’ pants into the women’s and men’s jeans.

Hand Me Downs

If you have more than one child, you can save a ton of money by handing older kids’ clothes down to the younger ones. This way, it’s possible to cut your clothes shopping bill by half or more. Often times these clothes will still be in great condition. This is a great option to use when kids are growing out of things so fast that they barely get to use them. Furthermore, younger kids will love to have clothes that once belonged to a sibling they look up to.

Author Bio

This article was written by Dixie Somers. If you’re looking for great deals on fashionable clothes,  Reem Basics – mens jeans is a great place to start.

How To Improve Home Energy Efficiency

It’s true to say that we are living in times of economic crisis. The current financial climate has resulted in the everyday person looking at ways to scrimp, save and cut costs in their day-to-day lives. Improving the energy efficiency of your household is a fantastic way to reduce your outgoings; best of all it can be achieved for next to nothing.

Ideally, once you have saved up enough money to leave the rain behind, you can escape to a hot sunny beach somewhere with a cocktail in your hand, but more importantly using less energy reduces your carbon footprint so that you can take pride in making a difference. So, here is your guide to the best ways to improve your household’s energy efficiency at various levels.

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Level 1-Ways of Staying Warm

One of the basic things to remember is do not leave your heating on constant. Leaving the heating on all day long is truly insane unless the country that you are in is experiencing Antarctic conditions. The heating is generally the most expensive bill for most households, so making any kind of difference will go a long way. Think about:

• Using thermostats – Use your household’s thermostats to your benefit. The majority of the time, all you need is the heating on for a couple of hours before you get up in the morning and a couple of hours for when you get home from work. From time to time you should check your meter to see how much you are saving. Adjust accordingly in winter and summer months.

• Wrapping up – If it is especially cold in your house, instead of hitting the ‘boost’ button on your heating, why not invest in a heated throw to wrap around you. Remember that hot water bottles or classic favourite and can also be your cheap friend on these occasions but there are some trendy gadgets you can buy that will do the trick, why not invest in USB foot warmers or go hi-tech with a Dyson Air Multiplier. The Dyson Air Multiplier is suitable for winter and summer as technology allows the air heat to change hot or cold, so with change of seasonal weather this fits in perfectly to the home.

Level 2- Preventing Draughts

Most of a household’s heat escapes through cracks in walls, windows and even through doors. Keeping the cold out whilst maintaining the heat is possible. Prevent draughts by investing in some heavy hanging curtains for your front and back doors. Also, be a detective in your own house by investigating where other draughts are coming from; keyhole covers and draught excluders are a good way to reduce the amount of cold weather coming in.

Level 3- Loft Insulation

One of the best ways to prevent heat from escaping is to invest in thick loft insulation. Remember, you can always top up your loft insulation if you are running low. Ideally, you want around 270mm of insulation covering your loft. In addition, know where the best places to insulate are, for example insulating between the joists will actually keep your house warmer.

Level 4- Double Glazing

Did you know that you can save around two hundred pounds a year by investing in double glazed windows when compared to single glazed? Generally a swift and pain free process, getting double glazed windows fitted in your property is one of the first things when making your household more energy efficient.

Level 5- Cut Down on Water

Saving energy isn’t all cutting down on heating bills; it’s your water bill too. Look at ways of reducing the amount of water you get through in your home. If you have young children look at sharing baths, or for adults there are shower gadgets you can buy to help try and reduce the level of water you use. Try and use your dishwasher and washing machine as little as possible by making sure it is completely full when you put it on and always turn it off from the mains, every little cost helps. Then do think about your boiler choice, there are eco-friendly boilers that will save you money. >/p>

Level 6- Alternative Energy Sources

If it is feasible for your household, why not look into going green with your energy? There are plenty of avenues you could go down, including solar, water and wind energy or even using an eco-stove to heat your house.

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Now that you have your guide, follow these top tips and you will be well on your way to saving a nice amount of money to put towards that beach holiday in Saint Tropez!

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Author: Many thanks to Jen Beswick and the Staunch and Flow Boiler repair team who created this article for you. We look forward to hearing if you have saved costs!

Tips to Save Money on Your Van Insurance

Save Money on Your Van InsuranceIf your van forms part of your business then you’ll want to save as much money as and where you can. While you can’t afford not to get your van insured you can look for the best van insurance quote online and save a little money in the process.

Here are our top tips for saving money on your van insurance.

Increase your voluntary excess

When you make a claim on your insurance, the voluntary excess is the amount that you agree to pay. If you up the amount of the excess, you will lower the premiums. However, remember the higher the excess the more you’ll have to pay out in the event of a claim.

Make your van more secure

If your van contains the tools of your livelihood, you’ll need to make it as secure as possible. Looking into additional security extras, such as alarms, immobilisers and trackers will not only make it more secure, it will also lower your insurance premiums.

Show you’re a safe driver

If you have built up a no claims history then you should provide this to your new supplier when looking for a best van insurance quote, as many insurance providers will mirror this no claims on your new policy.

Don’t add any named drivers unnecessarily

Your premiums will increase the more named drivers are on the policy. Sometimes, however, this is simply a natural requirement of using your van for your business. However, you also need to be careful who you name on the policy as adding those under 25 and especially those with points on their licence will make your premiums jump up.

Advertise your business on the side of your van

If you have the name of your business shown clearly on the side of your van it’s less likely that it will be stolen. Furthermore, according to statistics you’re also less likely to be involved in any scrapes or accidents. These two factors combined together will ensure lower premiums on your policy.

Provide details of any trade body membership

Some, not all, insurance providers will offer lower premiums to those van owners who are members of trade bodies. If you are, it’s worthwhile making them aware of this when you open your policy.

Choose an appropriate sized van

In general terms, the smaller the van (in terms of size and power) the lower the insurance premiums. Choose an appropriate size for your business needs, not necessarily the size you want.

How to Save Money on Your Grocery Bill

Reducing grocery billsReducing grocery bills is a great way save money and something that many are keen to explore in these recession-driven and cash-strapped times. It’s also a great way to reduce waste and the environmental impact of our households. The average family of four in America is said to waste $1,940 worth of food every year including up to 16 gallons of milk, 12 dozen eggs, 160lbs of chicken and beef and 240lbs of produce; all because they haven’t planned their food requirements adequately for the week, leaving food uneaten and eventually thrown away.

This represents a significant portion of a household’s annual food bill, so reducing this wastage can make significant savings. When you add up the environmental cost of the energy and water required to grow and transport our food, then wastage becomes an even more serious issue to tackle.

By simply planning weekly meals in advance it possible to consume all of our food before it spoils. This can save cash and the most effective way to do this is to have a strategy for weekly food shopping. Having a plan will enable bulk buying and help avoid expensive items that are left to go off in the backs of our refrigerators.

Taking stock of current eating habits is the first step; it’s time to start a diary of what food that your family consumes. Once you have three or four weeks of information you can use this in planning in your weekly shopping trips.

Refrigeration is your friend.

The best way to avoid food spoiling is to keep it cool. Heat is the enemy of any kind of meat or dairy produce. You should always minimize the time it takes to get refrigerated fruit from the store to our home. So, start your shopping with the vegetables and finish in the freezer section. Freezer bags are a great addition to your shopping habits, enabling you to keep items as cool as possible in the travel home.

You can extend the life of your perishable goods by storing them appropriately. Temperatures can fluctuate when the door of the refrigerator is repeatedly opened, so store eggs and milk on a shelf.

Leftover night

Leftover night is a great way to sweep up all the items that haven’t been cooked, and can inspire some creative cooking. By doing this once a week you can ensure nothing goes to waste. Good recipes for leftover night include pizzas, stews and fajitas.

Clip those coupons

Coupon shopping is on the rise, helping families save week in, week out. The internet has revolutionized coupon shopping, offering websites devoted to their delivery and providing Smartphone apps that allow savvy shoppers to never pay full price for an item. If you haven’t joined the Smartphone revolution, perhaps it’s time to ditch your old cell phone via a website like and snag yourself an upgrade for the New Year.

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Money Management Tips

Money Management Tips

Saving money now days seems almost impossible. Not only have gas prices and home expenses risen over the past 6 months but jobs have become harder and harder to find. In order to save money in this type of economy parents need to start teaching their children money management tips from a small age. Below are a few helpful tips.

  • Track your money. You should know exactly what is coming in and going out.
  • Limit your credit cards. Credit cards should not be for everyday use but for emergency situations.
  • Keep a budget. Limit the amount of money you spend on entertainment and eating out. Give yourself a weekly allowance.
  • Always have an emergency fund. The average person should have at least 3 months salary in an emergency savings account in case of job loss, family illness, etc.
  • Don’t get behind on bills- Ask for help when you need it. There are a few financial services that offer short-term payday loans for minimal finance fees.

These tips seem very simple yet 61% of Americans say they live paycheck to paycheck an increase from 49% in 2008. Of the 61%, 21% of these Americans are in the high-income levels. Another alarming statistic states that 36% of individuals put no money towards retirement like a 401k or IRA. Social security is predicted to run out in 2037 so it is very important to start saving for retirement now. These tips are a starting point and will hopefully help with your money management.

To Budget or Not to Budget that is the Question

To Budget or Not to Budget that is the Question

We’ve all been enticed by that “awesome new what-cha-ma-call-it” before. So what is it that gets us to pull out our wallets and hand over our hard earned money instead of putting it away into savings? A lot of it has to do with the emotional appeal of whatever it is we’re considering purchasing. In the heat of the moment however, budgeting doesn’t always seem like the best route. After all it would mean passing up the must-have object.

In order to make a clear decision on whether or not to live on a tighter budget and save we have to remove ourselves from the temptation to buy. Go home and think it over before you make a purchase. Let is simmer for a day and see if it still is that important to you. Reaching bigger goals in life, like owning a home, saving for retirement, or paying off debts, take planning and diligence. Here are a few things for you to consider when you are deciding whether or not to change the way you budget:

  • Think about The Future- Achieving major goals in life usually revolves around your income and savings. For example, most of us have a goal to pay off our mortgage and have a retirement fund set up. We will never be able to do this however if we don’t start planning now. Taking a good hard look at where you are now and where you want to be is the first step in deciding whether or not to change your spending habits. Making a budget and sticking to it isn’t easy, but if the goal is important enough to you, then it will be worth the hard work.
  • Self Mastery- If saving money is something that you struggle with, budgeting might be more of a inward reward; a sort of spiritual battle to prove to yourself that you can do it. Plato once said that “the first and best victory is to conquer self. To be conquered by self is a shame.” Everyone has something that they struggle with in life. If you struggle inwardly with something, as I’m sure most of us do, then overcoming that challenging can feel liberating. Self-discipline can bring with it a sense of confidence in oneself.
  • What about the Unexpected?– When you take into consideration the possibility that something unexpected will affect your lifestyle, budgeting may move up on your list of priorities. What if you lose your job, your car breaks down, or you’re going to have a baby that you didn’t expect? In times like these it’s important to have money set aside. Whether you call it a rainy day fund or not, the important thing is that the funds are there when you need them most. There is peace of mind in knowing that if something went wrong you would be able to sustain yourself.

Budgeting may not sound like that much fun, especially when you could have the latest and greatest. But with some careful consideration you’ll find that it is necessary to some degree, and can relieve a lot of stress in the long run. If you’re still not convinced that a plan for savings is a smart idea, then you should attend a budget counseling course to get a more in-depth look at what it can do for you.

Micah Castro is a freelance writer for Alliance Credit Counseling. Alliance is a non-profit government approved agency that offers budget counseling to help you reach your financial goals.

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