One Cent At A Time

A Personal finance blog for saving money and earning more and thus having a better life

Archives for January 2016

Making 2016 A Great Year For Your Business Finances

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Making changes to processes in an active business is like changing the tires on a car at highway speed. It may be worth it in the long run, but it’s a huge challenge in the short run. The best way to approach such transitions is to find the slowest possible times of the year to implement changes.

One time of the year that things slow down just enough to make some changes is the first couple of months of the year. Everything is closed out and cleared out, and you can start the new calendar with some new techniques. And if you’re just now venturing into business, start on the right foot.

If you felt that 2015 had too much complexity, too many errors, and not enough good news from taxes, look through some of the possibilities for saving in 2016.

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14 Creative Ways to Reduce Home Remodel Cost

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When we moved to our home in 2014, it needed some work, not exactly repair work but remodel work. Like painting, some landscaping fixes. Moving dog-bitten plantation shutters out, resealing windows and doors, etc. We could have hired professionals or at least, a handyman could do those things. But we decided to do it ourselves. Firstly, to save some money, and secondly, we wanted to do those. You know, being a first-time homeowner.

14 Creative Ways to Pay for a Home Remodel

But you may not be as lucky as we were. Your home might need some serious repair and remodeling. Unfortunately, not all of us can afford to gut and rebuild our homes to our exact requirements and specifications. This doesn’t mean, however, that you have to just learn to live with what you’ve got.

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When Is The Best Time of Year to Sell Your Home?

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There is great debate over when the best time is to sell your home, with many people considering warm weather a plus when putting a property on the market while others believe the winter months could be best. Actually, the time of sale differs with the country. In the UK the best time may be in September-October, in the US, it’s the June/July when real estate sells reach peak.

When is the best time of year to sell your home

Timing is everything when it comes to real estate buying or selling. Listing your property in the peak hours generate interest among many and as a result, the offer price goes up. If you’ve been thinking, ‘I must sell my house’ lately but aren’t sure when is best to put up a listing then we’ve taken a look at what the experts have to say on the matter:

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How to Save Money When Transferring Funds Internationally

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Did you ever ask yourself how banks can make such an insane amount of money? Well, that’s a long story, but one reason is that every time when you transfer funds internationally, you will pay a fee. Sometimes it’s a percentage, sometimes a fixed amount, and sometimes the fee is hidden in another item, for example in an exchange rate. But in one way or another, you pay, that’s for sure.

Bitgold

On the first glimpse, these fees seem to be small, but they can add up quickly. If you transfer money internationally on a regular base, for example because you are a global freelancer, it can happen quickly that you’re paying more than $1,000 per year, only to make transactions.

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How to Fight the Landlord and Win: Negotiating Rent

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When my husband and I moved from Pennsylvania to Florida, we visited nearly every apartment complex in a 30-mile radius to find just the right mix of safety, convenience, and affordability. We had a strict budget of $1,000 a month for a 2-bedroom home that would also allow us to bring our dog.

Negotiating Rent

After driving hundreds of miles in circles through every neighborhood, we did find a fantastic apartment right under our budget at $950 that was in a lovely location.

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Choosing The Right Forex Trading Platform

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Forex traders have a lot riding on the trades that they place on a regular basis.  Without the comfort of working with a solid forex broker, and being able to rely on the forex platform that one trades on, a forex trader might not be able to sleep at night.  There are numerous elements that are associated with a forex trading platform, and if the forex trader does not do sufficient homework they will potentially have issues down the road.

Forex Trading

There are numerous brokers presently on the street and it is not always easy to differentiate from one broker to the next. Some of the top brokers on the street are; Plus500, eToro, FxPro and iFOREX.  Again, it is the responsibility of a forex trader to do their research to determine the difference between one broker and their platform from the other.

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6 Financial Truths Your Kids Should Learn from You

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It’s very rare for a school to offer financial courses, let alone require them. Although there are strong benefits from children having the opportunity to learn both at school and at home, the responsibility usually lies squarely on the shoulders of parents. Unfortunately, family financing is not commonly discussed in most households.

6 Financial Truths Your Kids Should Learn from You

On money matters, parents may sometimes say they’re tight on cash, or that they’re saving, but if a family budget happens to exist, it’s not something kids are exposed to. As a whole, Canadians now owe $1.57 trillion, a figure that works out to more than $20,000 per person. Debts are climbing across the board, and the behaviors that have caused this are being installed as normal in today’s generation.

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How To Start a Side Business with Vending Machines

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It’s a little-known fact that vending machines are a 42 billion dollar industry, and within this massive industry is a lot of opportunity for money to be made. Starting a side business with vending machines can even border on the edge of passive income. After finding locations for your machines, there is little to do besides making sure the machines are stocked and collecting your cash.

How to Start a Vending Machine Business

Ok, obviously it’s not quite that simple, but when you run correctly vending machines can make a great side business opportunity for people looking to make some extra money. The steps mentioned below serve as a guide and provide you with a lot of aspects to think about on your own and then do some select reading before really going for a vending machine business or not going for it.

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