Category Archives: Saving

July
2 - 2014

Apps to Help You Save Money

Posted in:Coupons, money, Saving

We have discovered a powerful resource for saving lots of money shopping for the goods you need every day.  The website is called Frugaa (http://www.frugaa.com/), and there you will find great tools for locating coupons, discount codes, meaningful reviews, and direct links to thousands of online retailers where you can save on the things you buy every day.  We recommend you check out Frugaa today! You want to find more ways that you can save some money each month. If you have a smartphone, well, there’s an app for that. In fact, you can actually find a number of different apps that will be able to help you save some cash. Let’s look at some of the best options to help you save money in different areas of your life.

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June
10 - 2014

Buying Non Perishable Necessities Online to Save Money

Posted in:money, Saving

As the old saying goes, a penny saved is a penny earned. While we recommend that you live a full and happy life and not let every financial choice be a constraint, we also urge people to be frugal whenever possible. The best way of saving money is when you get to save some cash, but don’t have to give up anything in return. These days, the Internet allows us to buy a great many necessities while saving on costs. You can’t buy everything online. For example, buying fresh vegetables online often doesn’t work because you’ll usually want the vegetables right away to use in this or that recipe, and of course the vegetables might rot or get damaged during the shipping and handling process. For this reason, non-perishable goods are the most commonly bought online goods.

March
13 - 2014

Saving Money as a Family

Posted in:frugal living, money, Saving, thrift

I have found the best way to save money as a family is to include everyone in the family in on the plan from the onset. Sometimes we as parents sit down and discuss finances and enforce rules which make sense to us, but the children do not understand and sometimes this causes rebellion. Including them in on all matters of your finances is not necessary. However it can be a lot of help when you are trying to save money as a family to include them in on the plan and make them a part of it. Normally children are more than willing to help out when things get difficult, or you are just trying to save money for emergencies or vacations or whatever your financial plans are.

June
25 - 2013

How to Save Money on Your Next Big Move

Posted in:frugal living, money, Saving

Moving causes financial stress – due to the burden of packing, renting trucks and the cost of decorating your new home. If you choose to hire a professional moving service, you’re looking at fees priced in the thousands. If you choose to move yourself, you’re missing time from work when you could be earning more. It’s a big financial stress moving, which is why we put together these money-saving tips. You’ll want to employ these strategies in order to save big on your next move. Whether you’re relocating to another state outside New Jersey or moving just down the road, cutting costs is fiscally responsible. So, grab a pen and paper, because your first step is creating a budget.

June
22 - 2013

Paying For a Vacation By Selling Old Items

Posted in:Saving

Our family loves to travel in the summer months, especially to the California coast where the weather is always so beautiful.  But with gas prices and travel expenses increasing over the last year, it’s caused us to watch our vacation budget a little closer.  Of course there are two ways to think when it comes to a budget shortfall: spend less money or make more money.  We still want to enjoy the vacation, so we decided to make more money to cover the added costs.  Our idea was to look around the house for things to sell.  Instead of having a garage sale (which can sometimes be a waste of time) we looked for high priced items that would be easy to sell and that would be worth our time. Sell Old Electronics

May
23 - 2013

Top 5 Ways to Become a Savvy Shopper

Posted in:money, Saving

Couponing is still the easiest and fastest way to save money. With in-store coupons and manufacturer’s coupons, the potential to build a nest egg on grocery savings alone is tremendous. Couponing also makes for a rewarding hobby. Reading the Sunday paper and any enclosed store circulars, checking your email inbox for deals, and swinging by online coupon websites can be done in five minutes and always amounts to major dollars in your pocket.

May
7 - 2013

5 Products You Should Stop Buying

Posted in:cleaning, Saving

Life being expensive as is it, we should all be looking for ways to cut on costs. Have some second thoughts on a few of the products we buy on a regular basis is a good way to get started: Some of them are plain useless expenses. Here are five products you should try and stop buying. Dryer Sheets

March
18 - 2013

Best Reward Credit Cards in 2013

Posted in:Credit, Financial planning, Saving

Here are 6 Credit Cards Great For Rewards 1. Capital One Venture One Rewards Credit Card This excellent rewards credit card contains no annual fee, and you can redeem miles for hotels, airline tickets, rental cars and merchandise. You can transfer balances for free, and the card offers $0 fraud liability. When you spend $1000 during the first three months, you will receive an additional 10,000 miles. Miles do not expire, and no blackout dates apply. 2. Chase Freedom Visa

March
11 - 2013

How to Find Redbox Codes

Posted in:Freebies, Saving

Currently, Americans can find over 40,000 Redbox kiosks in stores around the country. Each machine offers DVD rentals for just over $1.00 per day, and games are available for $2.00 per day. Consumers now rent thousands upon thousands of these discs every 24 hours. Fortunately, the company offers Redbox codes that allow people to save money on their rentals. These promotional codes offer discounts on one or more discs and even free nightly rentals. These codes are available directly through the Redbox kiosks in some cases. When a person chooses a rental, the machine might display a promotional offer. A common discount offers one disc without charge for choosing three DVDs or games total. On the other hand, another discount might simply reduce the price for adding on a second DVD. Kiosks won’t display these savings opportunities each and every time. Consumers can find Redbox codes through other means, though.

March
8 - 2013

How to get Tax Relief with Earned Income Tax Credit

Posted in:Financial planning, Saving

The EITC (Earned Income Tax Credit) was signed into law in 1975, by Congress, as a way to relieve taxes and to supplement the wages for low income workers. There are numerous credits available among the tax laws, but what sets the EITC apartment from most of the other credits, is that it is a refundable credit. The majority of other credits will only reduce your tax liability, but the EITC serves double purpose. It reduces the tax liability and can give you a refund when there would ordinarily not be one. Government figures indicate that in any given tax season, millions of dollar are unclaimed by families who are eligible for the EITC. The majority of citizens do not know they are eligible because their income falls below the level of requirement that makes it mandatory to file a tax return and they are under the impression that since […]

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October
18 - 2012

Why It Pays to Save Money

Posted in:Finance, Financial planning, Saving

Saving money brings enormous benefits to consumers both financially and psychologically. It allows consumers to raise their credit score and thus borrow money at cheaper rates, and to feel more empowered over their lifestyle. Understanding personal finance  is a very important aspect of saving money. Given massive credit expansion in recent decades, the economy has grown at a very fast rate and allowed consumers to live beyond their means. While wages have stagnated or dropped in terms of purchasing power, borrowed money, largely from credit cards, has compensated for this drop and given many people the notion that easy money will continue indefinitely. If enough people begin to default, which happens when credit comes easy for a prolonged period, interest rates will rise. Higher interest rates increase the cost of living for consumers, and, consequently, their quality of life will drop.

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October
16 - 2012

Downsize Your Property Quickly

Posted in:Finance, frugal living, Saving

Energy providers such as British Gas recently announced that energy prices will be rising between five and seven per cent with immediate effect. Many people have large houses with high ceilings and rooms going unused. If this sounds familiar, now may be the perfect time to downsize to something more cost-effective. Traditional methods of selling a property on the open market are long and drawn-out at the best of times. Coupled with the current dire housing market, you could be waiting a long time before you manage to move into a smaller property. In periods such as this, alternative methods of property selling can effectively shorten the process, meaning you can get saving more quickly.

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August
23 - 2012

How to Save Money and Game Online for Free

Posted in:Financial planning, money, Saving

These days saving money is everyone’s top priority and considering the economic climate it is understandable as to why people are cutting costs and eliminating unnecessary expenses from their budget. Saving money is about cutting back on spending in order to have funds leftover to pay for more necessary expenses, without incurring debt. Everyone hates debt and avoids it where they can, but with the high cost of living it often seems almost inevitable. To avoid financial headaches there has been a big focus on free products and one of the industries that have come out on top with free offerings are online casinos. There are a great many online casino sites that offer players unlimited free gaming and unrestricted access to all the top games available. Players can save themselves a fortune by using the free browser based games or download the free software and enjoy games on their […]

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August
16 - 2012

Accept Card Payments Directly from your Phone

Posted in:Credit, money, Saving

Cell phones at one point were only used to send and receive calls. Now, you can run a business practically from your mobile device. Maybe you own a business, or need a reliable way to accept credit cards and payments while selling furniture out of your home? Here is a overview of some mobile credit card processing services, and how your business can benefit from them. Most mobile credit card processing services are not only easy to setup, but the start-up cost are usually free or minimal. Some of the services such as Square take out a percentage of each one of your transactions (i.e. Square receives 2.75% per swipe). The great thing about having a service like this is that everything is fast, easy to use, and very organized to run like a legitimate business. Let’s say for example, you sell your friend a record player. He can swipe […]

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August
13 - 2012

Time Management Tips for Business Owners

Posted in:Saving

If you are running your own business, you may find it difficult to separate the time you devote to your business from the time you can spend with your family. You may feel like you need to be on call 24/7 in case something goes wrong with your company. And since you are the one in charge, your livelihood as well as that of others depends on you. This aspect of running your own business can amount to a lot of pressure, which causes you more stress and could put your health in jeopardy. One way to alleviate this pressure is to get business insurance, as it makes your business less risky to run. Time Management takes off the pressure

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August
8 - 2012

Freedom from the Debt Black Hole!

Posted in:Finance, Financial planning, Saving

Debt is not something anyone wants.  In fact, it’s one of the most hated things in American culture today.  Debt is flat out a pain in the butt.  First off, you don’t own whatever you purchased, so every time you look at it, you are thinking about the bank!  Then, debt also makes paying for things like the utility bill and groceries a hassle.  It just makes your life that much more complicated.  It’s no fun at all! Thankfully, there are companies like Payplan that make debt their business and their bread and butter.  Gone are the days where you didn’t know where to go to with debt problems.  It’s easy to dicuss debt issues with them and resolves your problems with whatever bank or store you owe debt to.  Dealing with debt is the first thing you need to do today.

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August
8 - 2012

Why You Need Private Mortgage Insurance

Posted in:Financial planning, Insurance, Saving

Most people have heard of PMI, but they really don’t understand what it is and what the term means. PMI is private mortgage insurance. Lenders will require a buyer to have PMI when they have less than the standard 20 percent to put down on their home. This extra policy is a little more assurance for the bank that the loan will be repaid. It puts the lenders in a safer position and they are more likely to lend to someone who adds PMI. Commonly, the greater the mortgage amount, the more risk is involved from a lender’s viewpoint. Private mortgage insurance is a safeguard if the buyer defaults on the home. Generally, it is a way for the lender to get their money back should a default occur. The down payment is nothing more than good faith money to back the loan. The more money a buyer comes to […]

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August
8 - 2012

How do Fixed Term Savings Work?

Posted in:Financial planning, Saving

Do you have a little extra cash lying around? Have you thought about investing it? Do you know where to start? Would you like to see your money grow? Which options give the best return? If you are thinking about investing some of your extra cash, consider opening a fixed term savings account. There are numerous benefits with this option, and it is completely safe and secure.

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August
8 - 2012

5 Ways International Trade Can be More Green

Posted in:Financial planning, Saving

There are many businesses throughout the world who are finding ways in which to go green. Some businesses that are just starting out, find it easier to make their business green before they get too far along. Businesses that have been around for many years find changing to green more difficult to do. Some businesses do not want to spend the money, time or hire new employees to change to green. Those businesses that do not care about going green often have a harder time staying in business. Unfortunately those businesses give out the message to other businesses and clients that they do not care about the environment. We need to change their minds by setting an example by staying or going green as much as we can. There are many things that a international trade business can do in order to change to green but we will focus on […]

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August
8 - 2012

5 Ways to Live a Frugal Life

Posted in:frugal living, Saving

Saving money is one thing; being frugal is something totally different. Saving money is about cutting back on spending to have extra money in your pocket or to spend for other necessities. Being frugal is about saving money 24/7. You must never overspend or splurge on any item, and you can’t ever make an exception no matter what. This is a permanent lifestyle change. Anyone can become frugal and here are five helpful ways to do it. Stop purchasing necessities. Buying things you don’t need is a waste of money. Look at things you already own. See if those things can remain in your possession a little longer. The old car doesn’t need to be upgraded just to match the year we’re in. That book can be checked out at the library instead of purchasing it; you’re only going to read it one time.