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CUT YOUR SHOPPING BILL IN HALF AND SAVE A HUNDRED PER MONTH  by

 Stephanie Stewart 		10/6/2008 at 11:58
We live in precarious times where gas prices can rise within a day and the cost of milk can suddenly become unreachable to the average budget, especially with the pay rates nowadays. The fear on Wall Street and the concern over the US Bailout only make matters worse and aid in trying to tighten-up on our spending habits. Here are some interesting ideas on supermarkets and how they operate to get you in the door and spending more, quite possibly more than you need to spend in one shop-out. Along with a few other pointers and suggestions on how to shave costs in the home economics division.

If you haven’t already heard of this one, here’s something to ponder! There is an actual limit on the amount of time you should spend purchasing if you want to keep more of your money in your wallet and out of the cash registers. You can save a bundle if you keep your visits to the local food mart under a half hour. For people who take longer at the market, they spend an extra 50 cents per minute for every moment over the 30 min. deadline. That adds up into dollars taking wing from you pocketbook unnecessarily. This goes for people who go to the department store without a tally of what they really need as well. I have noticed that virtually no one at the places I procure my household supplies at bring, let alone use, a calculator - except me, of ...
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CHANGE YOUR HABITS AND SAVE A SMALL FORTUNE  by

 Isla Campbell 		10/6/2008 at 11:58
Given the recent economic downturn, putting money away for a rainy day might be the last thing on your mind, but even when times are tough you can still make some small changes to your lifestyle and amass some extra cash.

Counting your silver and coppers may not initially seem like a good way to make money but in most homes across the UK there are coins lying around in random places. If you gather all these up in the one place and then cash it in every so often then you’ll be pleasantly surprised by how much you’ll have accumulated. Sticking this away in a savings account will soon help it grow and as you keep adding to it, the interest will gather too. This is a great way to source some funds from money you probably didn’t realise you had.

Another way to make money from almost nothing is to have a look around your home for things you no longer want or need. It can really pay to have a good clear out every once in a while and you can then sell these items either online or at a car boot sale, and again, put this towards something you really want, such as a holiday.

Another method of saving some money for whatever purpose is to set up a regular automatic payment to go from your current account to a savings account each month. If you arrange this for pay day then the money will transfer across before you’ve ...
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STRATEGIES TO SAVE MONEY - 3 TOP TIPS  by

 Lee Dobbins 		10/6/2008 at 11:52
Today’s modern society is becoming more pricey and extravagant by the day. Many people are feeling the pinch and have to pull in the purse-strings. It is common to now be in debt and it is very difficult to lift yourself out of this situation. Luckily, there are ways you can deal with your finances and having some good strategies to save money can be very important.

It is recommended that you look at your finances in detail first so that you are familiarized with the areas that need changed. Saving and spending money is a mindset, and in order to save money, you need to adjust that mindset. It is common to believe that money can buy you love and happiness- this is truly a myth. Happiness comes from the simple things in life, like the love of a child or having perfect health.

Some people are stuck in a rut and so they go and spend money to make themselves feel better; this inevitably turns into a fierce cycle which is hard to break. Many people know they are on a tight budget and feel guilty after buying luxuries, but it is too late by then. It is essential that you learn to control the urge to impulse buy.

Finding the root cause of your financial problems is the first action you must take. Then you have to learn to control your spending. One of the tried and true strategies to save money is to concentrate on only buying the items ...
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LIVING LIFE ON A TIGHT BUDGET  by

 Alexander West 		10/6/2008 at 11:50
Many people that are facing financial hardships are often overwhelmed because they think it is impossible to save money when they owe so much. However, with a modification in spending habits everyone has the potential to save money. Here are a few suggestions on how you can spend less and save more.

First of all, you need to write down everything you spend money on that is not a necessity. For example, coffee at a coffee shop, scratch tickets, lottery, movies etc. Then you should write down how much you spend on each thing. Five dollars on lottery a week, twenty dollars on beer, ten dollars a week on coffee and so forth.

Set up a savings account for your new unspent money. Depending on how much you spend weekly on these unnecessary purchases will give you an idea of how much money you should or can put into the savings account. Let’s say you spend an average of sixty dollars a week on unimportant items. You can either put the entire amount in the bank or split it up and put half into the savings account and the other half into your checking account to pay a little more on some bills. The other thing that might help is to add this money to your bank account at the beginning of the week or month. This way you will have less money in your pocket to tempt you to spend on impulse buying.

This does not mean that you need to completely ...
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REASONS WHY WE GET INTO DEBT  by

 Alexander West 		10/6/2008 at 11:49
The main reason why we get into debt, is that as a generation our attitude to money is different from our parents’ day. Remember when you were young and you used to put all your spare change in your piggy bank? You would lift the couch cushions up to find spare change that fell out of someone’s pocket just to add a little more to your piggy bank. Those were the days when parents were teaching kids a lesson that was important. We were taught how to save our money in order to buy something we wanted.

Nowadays, very few children have a piggy bank to put money in. For those of us that did once have a piggy bank, we now often use a container that allows for easy quick access. Very different from the banks we had as children, that needed to be broken in order for us to get the money out.

This life lesson has been forgotten by many adults that once had a piggy bank. Too many people no longer save money for a rainy day. Instead we buy expensive items and put it on the credit cards. Actually, by spending only cash for an item you are saving yourself a larger sum of money on the interest rates.

There was a time when children and adults would have to save money to buy the things they wanted. To buy a house you would have to have at lest half of the cost in order to qualify for ...
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WHAT TO DO WITH YOUR RAISE  by

 Ryan J. Taylor 		3/23/2008 at 11:02
If you recently received a raise and dreaming about how much extra cash you will have to burn, stop dreaming. Raises have an odd way of not really changing people’s financial situation at all. If you’re a saver, you will save a little more than you used to with your raise. If you typically allow your income to determine your budget, you will probably continue to waste money without tracking where it really all goes. Your money management habits, or lack of, will generally stay the same regardless of income.

Let’s look at a hypothetical situation. Steve is an employee that currently makes $50,000 and counts on his annual 5% raise. Rather than planning what to do with his raise, Steve spends his money until his check is gone. He doesn’t really know where the money goes and doesn’t feel like his pay increase helps him become wealthier.

If, however, Steve continued to live as if he were still making $50,000, things could be different. By planning to invest his entire 5% raise in a fund that returns 10%, here is what he could experience:

Year 1: $2,750
Year 2: $8,663
Year 3: $18,198
Year 4: $31,870
Year 5: $50,252

In just five years, Steve would actually able to accumulate $50,000. Note that this does not take taxes or fees into consideration. Those fees can be achieved if you deposit funds into a retirement account, such as a 401(k).

Don’t let your hard-earned raise not really feel like a pay increase because of your poor money habits. Put the ...
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BUDGET? WHAT BUDGET?  by

 Rhonda Nails 		3/23/2008 at 11:00
Budget. I still cringe when I hear that word. But after breaking it down and using one, it is not as bad as it seems. It is almost like a game, instead of "Who wants to be a millionaire?" I find it more interesting to view it as "How much can I save this month?" Budgeting is often misconstrued as doing without, penny pinching, and being a cheapskate. I’m here to let you know that there is another side to budgeting. I call it a map. Essentially all a budget is, is a detailed list of where your money is going, hence the word map. I like to think of it as a "money map" if you will. There are several ways that you can "map" where your money is going:

-Call credit cards companies and ask for a rate reduction.

During these times, credit card companies want your business, even if you’re paying the minimum. Call to let them know that you received a better offer on another card and want to know if they can match it. They will usually match it or get you a lower rate. It never hurts to ask.

-Shop with a list (and stick to it)

Every one knows what an impulse buy is but do we take heed to steer clear of it? Be warned, stores spend a small fortune studying ways of making us part with more of our money than we would otherwise intend to. Have you ever wondered why your favorite song is ...
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BUDGETING FOR A BETTER FUTURE  by

 Ken Chapman 		3/23/2008 at 10:59
Have you had credit problems in the past?

Do you have a poor credit score?

If so there are some great products available to rectify that situation, however what about afterwards? There is no point in fixing your credit score only to go and lose it again. There is one way to protect your credit score and credit files from damage and that is efficient budgeting.

Nearly all credit problems can be traced to lack of budgeting skills, people on all income levels get behind in their credit agreement and lose their good credit score, the reason why some people with large incomes have the same financial problems as people with much lower incomes is down to an inability to budget.

Budgeting your monthly expenses allows you the opportunity control what happens to your credit score, it gives you the ability to make instant decisions about whether you can afford that new credit facility or not.

When we don’t budget correctly it leads to us making bad decisions, most of us have to make an instant decision on spending and we do so with a quick calculation in our heads that invariably leads to problems later. This eventually filter through the credit reporting system into your credit history and is reflected in our credit score becoming poor.

Budgeting is not actually that difficult, it does require that we take a hard look at our finances and face the truth about our current position. Even just doing this can bring huge relief if you are struggling financially, ...
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SIMPLE MONEY SAVING TIPS  by

 Susanne Myers 		3/23/2008 at 10:57
Saving money in the household budget can be challenging. The rising cost of almost everything has many of us struggling and pinching pennies. There are several simple things, which almost anyone can do to save money in the family budget.

Many of us just need to get into the mindset that we are going to save money. We have to make up our minds that it is a priority and then stick with our goal. One of the first things anyone can do is to begin to question their wants versus their needs. Anytime you go to make a purchase question, whether or not you want the item or you really need the item. Taking the time to ask yourself that simple question could mean the difference in spending $5, $10 even $100, or more that you could have saved.

Most people have four basic needs: food, shelter, transportation and clothing. If the item that you are about to purchase does not fit into one of those categories than it is most likely not a need. In fact, a need is truly something that is required to sustain you, whereas on the other hand, a want is something that can help to enhance or improve your style of living. For many people wants and needs are easy to confuse.

Another thing to consider is the old saying that "Less is better." As a society we have all gotten into the habit of believing we need more and more in order to live a ...
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SAVING FOR YOUR FUTURE  by

 Martin Lukac 		1/1/2007 at 22:34
We all know that we should save money. But something so easy to say can be quite difficult to actually do.

Saving money is the basis of building your financial future. However, many consumers are putting it off one more day. Those days turn quickly into years of lost money. Without savings, the chances of meeting long-term financial goals and achieving financial security are quite miniscule.

In order to save money, you have to control your finances. Saving has nothing to do with how much you make. It has everything to do with how you control your money. If you have lots of credit card debt and live paycheck to paycheck, you are not in control of your money. And you aren’t saving for the future either.

You have to spend less and save more. The two are tied together. In order to save, you have to start spending less.

And it all really isn’t that difficult if you just start doing it.

First, sit down and write down your financial goals. Just ask yourself what you want from your money. Perhaps you would like to have a downpayment for your first home. Maybe you need a new car. Make long-term goals, such as retirement, and short-term goals, such as new living room furniture.

Give each goal a dollar amount and a time frame. In order to save, you have to know what you are saving for. You have to have a reason to put your money aside.

You will need to set up a seperate savings ...
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CREATING A FINANCIAL PLAN  by

 Martin Lukac 		1/1/2007 at 22:33
Having a financial plan is essential. It can help you eliminate your debt, save for the things you truly want and prepare for a comfortable retirement. If you are tired of living from paycheck to paycheck, perhaps it is time to start following a balanced financial plan.

There are three main aspects to financial planning: Budgeting and saving; investing; and retirement and estate planning. You must work on all three in order to have a balanced financial picture.

There is no way around it. No matter how much you dislike the idea, budgeting is one of the main requirements of successfully managing your finances. It isn’t the negative task that many people assume it to be. It isn’t a financial diet and it isn’t something that deprives you of the things you want.

Budgeting simply helps you to see how and where you spend your money. It also can provide you with a guideline on how to spend your money in order to get the things you really want. It can help you to plan your debt elimination and start saving for the future.

When you take the steps to budget, you are laying out the plan for your financial future. You are deciding what you need to save for and how you will do it. With a budget in place you can start a savings plan that will help you to meet your long-term financial goals.

With a budget, you are able to recognize the areas in which you can save money. You have ...
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HOW TO IMPROVE YOUR FINANCES IN 10 EASY STEPS  by

 Raymond Heng 		1/1/2007 at 22:31
1. Know your current financial standing.

Before you can make any plans to save for any activity, be it for your children’s education, retirement or buy that dream home, you need to know where you stand financially today. You may need to take the trouble of getting a financial planner if you do not know how to create a financial plan. If you do know how to create a financial plan then you can save a fair bit of money in engaging a financial planner.

2. Save regularly.

Getting into the habit of saving is a good virtue. You will never know when you are in dire need of that extra cash when unforeseen events happen like job retrenchment or a loved one becomes ill which requires a lot of medical attention incurring high medical costs. As a guide it is a must for you to have set aside 3-6 months of your current salary to meet emergency needs.

3. Control your cash flow.

No matter how rich you are, you must be able to control your cash flow. The simple rule is what comes into your pocket needs to be more than what goes out of your pocket. You need to be aware which item is giving you income and what is causing you to spend.

4. Reduce your expenses

Start by keeping track of your daily, weekly then monthly expenses. Find those expenses that are not a necessity and eliminate them. A good example of this is paying for magazine subscriptions which you do not ...
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MONEY MANAGEMENT: A LIST OF QUICK TIPS  by

 Brad Homer 		1/1/2007 at 22:30
Effectively managing your money is one of the most important skills you must learn to become a successful adult. If you’re like most people, you struggle a bit to control the financial side of your life. The following list of tips gives a quick list of tips that may help:

1. Long term mastery of your money requires discipline. There is no short cut to acquiring self-discipline, except making the decision to do it.

2. You alone are responsible for your current financial state. This is a hard one for a lot of people. Accept responsibility for where you are now and move forward. Learn from the past and then let it go. Worrying or complaining about other’s actions saps your power - take control of your own life and let others worry about their’s. If you’re married, treat your spouse as your other half; you both need to get on the same page with accepting responsibility and manage your money as a team.

3. Create a budget. Any budget is better than no budget! If you think you don’t have the time to do it - that’s just fear talking. Five minutes twice a month can easily grow a rudimentary but effective budget.

4. Stop using your credit cards and get out of debt. The idea is to keep money in your pocket and not give it away to credit card companies – their profit margins exceed all other industries for a reason.

5. Use cash for small, regular daily expenditures to become more ...
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5 WAYS TO SAVE MONEY IN COLLEGE  by

 Lynn Haehl 		8/2/2006 at 07:25
College is expensive in itself, and that’s not even including all of the other expenses that college students have. Many students have it easy -- they have a scholarship that pays for everything they need while they’re in school. However, those of us who aren’t so lucky have to learn tricks on how to survive with all of our new expenses. Read this article for tips on how to save money in college:

Buy Schoolbooks Online
The cost of schoolbooks is outrageous. Even worse, 95% of the time you’re going to take your books back at the end of the semester, and the bookstore is going to refuse to buy it back. So, while you might feel better at the beginning of the semester with a shiny new textbook, you’re going to regret passing over the ratty used textbook at the end of the semester when you’re trying to raise money for next year’s books. The solution, buy your books online. If they have all of the pages, they’ll do. If it’s 90% cheaper, you’ll have a good story to tell other students when they notice your ratty book.

Decline Credit Card Offers
When you’re struggling for money, those credit card offers are going to look pretty tempting. Credit card companies know this, so they target college students. The problem is that you’re actually spending more money when you buy on a credit card, and, if you’re already struggling with finances, interest charges on food aren’t going to help. And creditors calling you aren’t ...
  read more...




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Blogs

Cut Your Shopping Bill in Half and Save a Hundred Per Month

 Change Your Habits and Save a Small Fortune

 Strategies to Save Money - 3 Top Tips

 Living Life on a Tight Budget

 Reasons Why We Get Into Debt

 What To Do With Your Raise

 Budget? What budget?

 Budgeting For a Better Future

 Simple Money Saving Tips

 Saving for Your Future

 Creating a Financial Plan

 How To Improve Your Finances In 10 Easy Steps

 Money Management: A List of Quick Tips

 5 Ways to Save Money in College

 Cool Your Home for Less

 Top 7 Reasons to Get a Prepaid Phone Revealed

 How Can I Save on my Car Insurance?

 How To Save Alot More On Auto Insurance Cost?

 Savings Accounts - An Overview

 Protect Your Debit Card

 Is Banking Account Online Really Safe?

 Internet Banking – The Pros And Cons

 Start Saving While You’re Young

 Guide to World Markets

 Getting Bank Loans When You Are Self Employed

 Online Investing – The Road To A Fortune Or To Ruin?

 5 Reasons Your Business Should Switch To VoIP

 The Best Investment...You!

 Leasing Is Often Better Than Buying

 How Much Margin You Need In Forex Trading?

 Yes, You Can Start Trading Forex For Free!

 Learn FOREX

 Trading in the Forex Requires Some Caution

 Trying Forex Trading with the Best Strategy and Approach

 Comments On Succeeding With Forex

 Forex Trading Education: Things You Should Know About Forex Trading

 Benefits of Forex Trading

 Two Reasons Why Many People Participate In Forex Trading

 Reverse Mortgages - Is It A Good Idea For You?

 Four Quick Tips on How to Lower Your Mortgage Interest Rate

 Best Buy to Let Mortgage Calculators

 Interest Only Loan, How Does It Work

 Subprime Mortgages – How Large of a Down Payment Do You Need?

 Tips On Refinancing Your Home - When To Convert To an ARM

 FHA Mortgage Loans - The Benefits of an FHA Mortgage

 How to Calculate the Value of Your U.S. Savings Bonds

 A Guide to Investing

 Tips for Investing

 15 Common Investing Pitfalls

 Currency Trading: How To Get Rich And Powerful From Currency Trading Program

 Why Invest and How To Do It: Avoiding Landmines In Your Investing Life

 Coins, More Than Just Money

 The Importance of Education to the Investor

 10 Reasons for Selling

 Getting the Best Life Insurance Quote

 Planning for Your Future

 An Introduction to Interest Rates

 A Guide to Banking Services

 Stanley Epstein

 A Guide to Finding the Right Bank for Your Needs

 Defining Common Banking Terms

 Does Money Buy Happiness? An Economic Intrigue

 Refinancing: When is It Worth It?

 Refinance Mortgage Lenders - Finding The Best Refinance Lender

 Why Do You Need to Use a Mortgage Adviser?

 How Refinancing Works

 Getting Pre-approved For a Loan

 Cash-out Refinance: Turning Lemons into Lemonade

 Cash Out Refinancing

 Reverse Mortgage – Putting Your Equity to Work

 A Quick Guide to Mortgages

 Let the Mortgage Companies Fight for Your Business

 Commercial Mortgage Financing

 ARM – Adjustable Rate Mortgages

 7 Mistakes To Avoid Before And During The Mortgage Application Proce

 Using Refinancing to Secure Lower Interest Rates

 Five Tips to Slash Your Home Finance Costs

 How to Get the Best Home Equity Loan For Your Credit and Qualifications

 Bad Credit Home Improvement Loans

 Refinancing Your Home Equity Loan

 Getting the Lowest Rate Home Equity Loan

 The Facts About Second Mortgages

 Should You Pay Off Your Mortgage Early?

 Winning the Game of Retirement

 Planning for Your Future

 Investing the Right Way

 How to Invest with Success

 Are You Afraid to Start Investing?

 Staying Safe In A High Risk Market

 Dissecting Income Statement

 All About Car Donations

 Cash Balance Plans

 Strategies for Long-Term Investments

 Money Management Guide

 Investments Guide

 Without Discipline The Market Will Crush You

 Trader Self-Evaluation

 Why You Should Start Investing Now Not Later?

 Why Long Term Trading is Much Better Than Day Trading?

 Discipline Is The Key To Investing And Trading Success

 A Guide to Online Investing

 Investing On A Budget

 FOREX: What Is It And How Does It Work?

 Tips on How to Apply for a Credit Card

 How to Find the Best Credit Cards

 Want To Consolidate Credit Card Debt?

 How Much Does A Cup Of Coffee Cost?

 Avoiding Debt And The Temptation That Goes With It

 Never Lose Money

 Buy Life Insurance Online and Save

 Six Steps to Raising Financially Responsible Teens

 Cutting Costs Can Significantly Increase Your Income

 Budgeting Before Buying

 Ten Tips To Save On Gasoline

 4 Tips to Save a Bundle on Your Next New Car Purchase

 5 Simple Steps for Serious Saving and Financial Growth

 7 Money Rules You Should Break

 Before You Start Investing

 Increasing Your Wealth by Increasing Your Financial Literacy

 Five Simple Steps to Significant Savings

 Does Working At Home Save You Money?

 How To Save Money On Car Loans

 How to Save Money and Take the Vacation You Always Wanted

 Your Mortgage Rate Compare and Save

 6 Saving Tips When Moving

 10 Quick And Cheap Ways To Cut Your Heating Bill

 Save Money On Home Improvement Projects

 Four Tips to Save You Money in a Divorce Case

 9 Ways To Save Money On Car Expenses

 Save On Food - Ten Tips

 Improving Your Financial Position

 How to Save Money at Christmas

 Saving Money - The Magic 20 Percent

 Tips To Save Money At The Supermarket

 You Can Save 50% to 70% on All Vacations

 Save Money on Medical Expenses

 10 Tips To Save Money When Dining Out

 How To Save Money On Car Loans

 How to Save Money and Take the Vacation You Always Wanted

 Simple Ways to Save Money

 Tips for Finding a Low Rate Loan Online

 Typical Rates & Fees Associated with Business Loans

 Who Gives Business Loans?

 What Are Business Loans?

 Save Money with a Solar Pool Heater & Cover

 12 Ways to Pay Less

 10 Ways To Save On Car Insurance

 Saving Money On Gasoline For Your Automobile

 How To Save Money On Credit Cards

 Ceiling Fans Look Great and Save You Money

 How to Save Money on Air Fares

 How To Save Money On Prescription Medications

 Practical Ways To Save Money When Shopping Online

 Saving Money - Are You Doing Enough?

 How To Save Money On Long Distance Calling Cards And Cheap Phone Cards

 7 Ways To Save On Your InkJet Printing Costs

 Ways to Save Energy and Slash Electricity Bills

 College Expenses: Seven Ways to Save on an Education

 Save Money On Your Grocery Bill

 Do You Really Need the Power of Money Management Software?

 How to Save Money by Using an Independent Commercial Mortgage Broker

 The Life Insurance Policy and What You Need to Know Before You Buy

 Bridging Loan Basics

 Understanding Your Credit Score When Applying for a Loan

 Do You Want To Save Money Easily?

 7 Simple Ways To Save Money

 How to Save Money

 Driving To Savings: Car Tips To Save You Money

 Save Money When Going Out

 Save Money on your Clothing Budget.

 10 Tips To Save Money When Dining Out

 Seven Simple Steps to Save on Your Online Shopping

 How to Save Money and Take the Vacation You Always Wanted

 Personal Financial Success - Save Some Money

 Mastering Your Money

 Simple Ways to Save Money

 How to Slash your Electricity Bill in 10 Easy Steps

 How to Clean Up Your Personal Finances

 Escape the Credit Card Death Spiral

 What You Need to Know About Debt Consolidation

 4 Debt Reduction Tips

 Moving Debt Between Cards Can Save You Money

 Tips For First-Time Homebuyers

 4 Steps to Establishing Good Credit

 How Long Your Mortgage Runs Determines How Much You Pay

 How To Find An Investment Advisor

 Learn How To Force Banks To Give You Money!

 Save Big On Your Mortgage

 Know Thy Finances

 Is My Money Safe? On The Soundness Of Our Banks

 Financial Planning for the MTV Generation

 Slam the Door on Debt

 Playing With Money - And Making More

 Good Financial Practices: Making Your Money Work For You

 Five Hot Tips To Get Out Of Debt Forever

 Five Magic Phrases: Tips For Negotiating Like A Pro

 The Menace Of Credit Card Debt

 Protecting Yourself From Credit Card Fraud

 Finding The Most Desirable Credit Card Deal