The Benefits Of Having A Set Budget

Amidst today's tight economic climate, budgeting to control your personal finances is a very prudent move. For all practical purposes, numerous occasions will arise when you will overspend on impulse, out of boredom, or merely because you got a new credit card with seemingly good terms in the mail. However, maintaining a basic spreadsheet that records your expenses, income, and current bank … [Read more...]

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Creating Room In Your Budget: Fix Your Insurance

Insurance flies in the face of everything else on your budget. It is the one thing that you pay out of pocket for every month in the hopes that you will never ever have to use it. You (maybe not so) happily pay for car insurance, home insurance, renter’s insurance maybe even medical insurance if your employer won’t (or can’t) cover you. The money you spend on your monthly insurance premiums … [Read more...]

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Wine Pairing on a Budget

If you are entertaining a crowd that frequently samples great wines and fine cuisine, sponsorship with a regional vintner or caterer might be the best course of action. If you are entertaining a group that just wants a pleasant wine pairing with incidental cuisine, there are numerous strategies to use that will satisfy almost everybody. The first technique for a casual wine pairing is to work … [Read more...]

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Five Simple Ways to Save Money In Today’s Economy

If you've suffered at all in the modern economy, then you are probably looking for some simple ways to save more money. It might seem difficult at first, or you might think that the little bit you are saving isn't enough, but it really does add up over time. While your situation might not be as dire as some others, there is always something you can do to save money in these difficult financial … [Read more...]

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Start Your Own Stockpile and Save

Imagine never running out of food, never needing to run to the grocery store to pick up something because you have nothing to make for supper. Imagine never needing to pay full price for any groceries. It's possible. And it can be your reality if you set up a stockpile. A stockpile is a large store of food and other pantry items kept in your home to be used as necessary, so that instead of … [Read more...]

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Pedal Your Way To Savings

Between working, taking care of the family, preparing our food, exercising and the other endless tasks we place on our to-do lists each day, there is little time left to relax and do the things we enjoy. For the last month and a half I have been trying out my own life-hacking technique that has helped me save both time and money. Now, when you first hear this you'll think that I have no idea what … [Read more...]

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Three Ways Teenagers Can Save More Money

Remember the joys of being a kid and not having to pay taxes or worry about working a 9 to 5 job and paying for your next meal? Yes, they were wonderful times, but we all must grow older. The economy is rough right now and teenagers and young adults are finding it harder than ever to not only secure a job, but save any money that they may already have saved up. In this article we are going … [Read more...]

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How To Minimise The Costs In Preparation For Your Holidays

  Large numbers of people have experienced financial pressure over the last few years. Some have chosen to cut back on groceries and luxury items. Others have made money saving lifestyle alterations. However, these same budget conscious individuals are generally reluctant to give up their holidays. And it is possible to enjoy an affordable break, as long as the following money saving tactics are … [Read more...]

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How To Save Money On Your Holiday Shopping

The biggest shopping days of the year are just around the corner. Every store, online shop and market is touting their "lowest prices of the season." With deals that seem too good to be true and the excitement of waiting in line at 3 a.m. it can be hard to actually save any money while taking advantage of deals. Here are some tips for you on saving money during the crazy holiday shopping … [Read more...]

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Buying in Bulk to Save Money

Since everyone is trying to save money these days, a few more tips about how to go about doing that are always welcome. One way that I have found is a good way to save money is to buy in bulk. Though buying in bulk might always sound like a good idea, it is not. You have to be an educated and frugal consumer when you buy in bulk. For instance, some people might buy a giant carton of … [Read more...]

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How to Save Money at Home by Being Green

There are several methods used to save money at home by being green. The best strategies include the use of energy efficient products and materials. Some methods for saving energy require that you invest in products that could be initially expensive. The strategies listed on this page are geared towards approaches that are free or inexpensive, easy to implement, and will save you money on your … [Read more...]

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How to Fact-Check Your Spending

In an election year, fact-checking is hugely important, not just because candidates can lie, but also because the lies are often believable and can cause great harm. However, the same scrutiny that we give others, we often fail to use on ourselves – particularly with our own money habits. Budgeting is a tool to fact-check your money habits and helps you to view your future prosperity goals in the … [Read more...]

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Budgeting with YNAB: A New Approach to Your Personal Finances

Humans have had to manage their personal resources throughout our illustrious history. For tens of thousands of years, we managed our "expenses" old school style, via hunting and gathering. Today modern man manages resources measured in dollars via everyone's favorite activity... Budgeting. Since the invention of budgeting, every homosapien has been searching for the secret pill which will make … [Read more...]

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Tips for College Students to Save Money Now

Getting an education is one of the most important things you can do for your life and your future career. Employers want to know that you can cope with the rigorous demands of college to make sure that you are well prepared for the real job market. That being said, I know that it requires a lot of effort and money to go to school. Many students have to take out student loans in order to reach … [Read more...]

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“Go Clubbing” with Friends: A Smart Way to Take Advantage of Money Saving Offers

So many of us are trying to tighten our purse strings and cut back on spending as much as we can. As we all know, buying in bulk is a great way to lower some of our costs. But the problem is, what do you do with all these excess products when you’ve got them? It’s an issue many people face, especially those of you who live in modern housing, as properties often have very little in the way of … [Read more...]

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