Whether you have been living in the same home for a long time, or you have just recently moved in, there are few things that would need an upgrade or repair as time passes. It could also be that you plain out hate a part, or a room of the house and wish to change it as soon as you have enough finance. The idea of renovation requires clever planning and a lot of finance from your side. You are going to have to spend a lot from your savings in order to get the damaged part repaired or to…
Author: Tina Roth
In case you hadn’t noticed, it seems that every month, a stack of ads appear in your post and email inbox on the same day you get paid or your pension check arrives. This is, of course, intentional, as merchants scramble to get your last pound before some other store gets it. Those ads often contain some real markdowns, and if you’re smart, you can save yourself a lot of money by taking advantage of them. We won’t get into a discussion of your relative smartness (or lack thereof) here, but a few tips on getting the best deals through…
I can tell it from my personal experience that most of the credit card holders labour under a misconception that buying new cards will ease burden of interest on the existing ones. I prefer shuffle of what you have and believe me, you can cut down around 75% of cost without a new purchase. What you need is to be wiser while spending cash and if you can ensure that, it will do you a massive and magical saving without additional supply of any new credit card. Listing of Existing Debts Start with assessing where you are currently now from…
The lion’s share of our earning is spent on housing expenses. Those, who live in their own house, set aside a goodly sum from their monthly earning for yearly maintenance and tax. The next big expense is made on grocery bills. There are many people who make an extensive use of coupons to save on their grocery expenses. However, collecting coupons could be annoying as you need to check papers and cut from them. And then chance is there that you forget expiry date of many and these cuttings are reduced to useless stuffs. All your work goes into vain.…
Choices leave us confused, we complain! But for me, more choices feel like a blessing I do think it makes our job easier to choose the right kind according to our affordability. To put it in other words, it helps us spend less and save more. That is the point where you can feel more financial freedom. If you want to reap financial blessings, you have to sow financially. It is never to suggest that you can buy anything you want. The budget buyers have certainly some limitations. However, they also have more options in life, taking advantage of which…
Most of us love splurging, it’s a human activity that a very few can resist. Whether you’ve money in hand, you love to shop, eat out, enjoy sipping your favorite coffee at Starbucks with friends, and so on. As you go out and see around you wonderful goodies, clothing shops, restaurants, your purse start tingling to be used. Some of you love to buy branded clothes whereas some of you love to eat costly chocolates. You don’t even know where your money is going. When you don’t have cash, you start using credit cards to get the things. And thus,…
Saving money from regular expenses is one of the toughest job in today’s world. Sometimes the hardest thing is to figure out the simplest way to spend money and save it, as well. As the rising economic condition in America are making everything expensive and there’s nothing we can do about it. There are certainly no quick and easy way to cut the expenses and hold on to more cash. Fortunately, there are some simple and easy methods to cut down the expenses, without wasting any time or money. This step-by-step guide will save you lots of dollars and trim…
The holidays are a notoriously expensive time of year. Many people will be facing a credit card hangover in January, but you can avoid sharing in those regrets if you take charge of your spending now. Figure out your overall budget for the holidays, then plan your spending in advance. Even if it doesn’t seem possible to stay within your limits, keep chipping away until you have a workable plan. Remember that all holiday spending falls in the “luxury” category. You don’t need to spend a single dime on gifts, decor, or entertainment to stay alive through the season, and…