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Posts tagged how to save money
Living with Less
Jun 21st
Living with Less
Times have certainly become tougher, but that doesn’t mean you have to deprive yourself from life’s simple pleasures. You just have to come up with ways to better survive the economic crisis the world is going through. Downsizing and layoffs are scary, but you’re not the only one experiencing these things. In fact, some have it even worse. It may take months, or even years, before you see an improvement with the economy, and while this is out of your control, you can do something about your life. It’s all about managing your money because you just don’t know if you’ll lose your job or get hit by unexpected expenses.
Be a savvier spender. It’s not about taking a nosedive and just living your life differently. Just make sure you set aside for savings and think up of new ways in which you can enjoy your hard-earned cash and still have enough for those rainy days. Give yourself time to establish your career. The older you are, the more devastated you can be when you get hit by the crisis, and that’s because you’ve put more effort into getting where you are right now. Well, as long as you still have the energy to get out of bed each day, your chances of surviving are pretty good.
If you’re living on your own, maybe it’s time to get a roommate. You can always ask a friend, but make sure that you still respect each other’s privacy. You can also ask your pals if they know of anyone looking for a place on a budget. Also, you need to trust the person you’ll be sharing your pad with. This is your safe haven, and if you have trust issues with your roomy, it’s time to get him or her to move out. Get the details straight and make arrangements as to how you’ll split the bills. It’s always a good plan to set aside a date where you can shuffle through the bills together and split the payment responsibilities.
When it comes to anything in your life, it is always good to hope for the best but prepare for the worst. Should the ax fall on you, you won’t be as devastated, and that’s because you’ve already come up with plans for yourself. Always start building a sort of financial cushion. This means that you put away a certain percentage of your monthly income and deposit the amount in the bank. Keep the card at home so you won’t have the option of hitting the next ATM if you want to splurge on something. This is a separate account for you, and as for the rest, you have something to use for your shopping and eating needs. Always talk to a bank representative on what you should do. He will be able to give you advice.
While the economy is performing poorly, don’t act the same way with your job. Make them know that you’re an indispensible part of the economy. That way, when it comes to downsizing, your name will never part of the list.
Sharpen Your Money Smarts
Apr 10th
Sharpen Your Money Smarts
As the modern young person, you know that budgeting isn’t all about saving money. In fact, it can also be about earning extra. So, if you wish to rake in more than your businesses allow and greet the next few months with bigger bucks, step out of your comfort zone and step up your game. The first tip here would be to think big at all times. Though small sidelines require less seed money, it returns less revenue as well. Don’t be scared to up the ante. All businesses start with a capital, and if you’re focused on making it big, don’t just stress over the amount of money you’ll have to shell out. Think about the potential it has as well.
Don’t hesitate to get help should you need it. Seek fabulous advice from people who have proven themselves in the business and scarf down their useful information. If you simply don’t have enough to start on, loan from banks and pay off in comfortable installments. Check out the various sites for offers that suit you best. Or better yet, that bonus that you’ve been waiting for could actually be enough to lend your dreams some wings.
If you want to save more, it also helps to buy in bulk as much as possible. Great things do come in small packages, but give the stingy culture some rest. Buying smaller packs may help your survive for the day, but it can turn out more expensive in the long run. This principle also works for all the stuff inside your refrigerator, food cabinet, and bathroom drawers. But before buying everything by the box, you also have to make sure that these are the things you use often. That way, you do get to finish them before they hit the expiration date.
But just because you’re on a budget, this doesn’t necessarily equate to looking like a hag. If you’ve spent all your cash and have none left for your beauty regimen, you can actually find what you need in the refrigerator. Of all places, you may have not realized just how much your good ëol ice box had inside. Some of the most noteworthy are: a teaspoon of baking soda on your toothbrush plus water provides instant relief from bad breath; warm dry coffee grounds onto your skin reduce cellulite; cold whole milk on two cotton balls resting on your eyes for five minutes removes puffiness; whipped egg on your face for 15 minutes helps erase wrinkles; and ice-cold water or cooking oil on your wet nails promotes quick drying.
Also, haggle when you can, but make sure that you do it the right way. Bagging a bargain is as much about timing as it is about charm. This works particularly for secondhand or one-off items with no fixed value. With these finds, the value is worth whatever both parties agree its worth. It also works well on markets where you can buy in bulk. The more you buy, the more entitled you are for the lower price. But remember, remain pleasant and firm. You may mean business, but you don’t have to be rude about it.
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Karin Le Blanc Internet entrepreneur, publisher and writer