A Personal finance blog for saving money and earning more and thus having a better life
Every day we purchase many things which come in either bottles or containers. Many of us throw away these containers or bottles after using them only once. We see these used bottles and containers as a waste. But if you think practically they are not.
Photo Courtesy http://homeguides.sfgate.com
This is a guest post from blogger Amy Davis from Slay Your Budget. She is a former therapist, stay-at-home mom of 4 and die-hard University of Pittsburgh Panthers fan. She made financial freedom a priority after their third daughter who required a 53 day NICU stay, 14 surgeries to date, and of course, large medical bills. Hope you enjoy her personal story and her values about her worth in terms of time.
In my former work life, I was a therapist treating children and teens with various mental health challenges. After an evaluation with the psychologist deemed these kids in need of treatment, they were paired with a therapist like myself, to formulate a treatment plan and commence therapy.
Before you get that car you’ve been eyeing for several months now, it’s important to conduct due diligence. The fact is; many people are reneging on their monthly car loan interest payments, which is leading to greater numbers of cars being repossessed than ever before. The first order of business is figuring out what kind of loan you may be in for – depending on the kind of car you want.
To this end, it is advisable to use online tools like auto loan calculators which are dedicated to helping consumers calculate all manner of quantities associated with obtaining a new or used car.
This is a post aimed towards small businesses but others should find valuable personal finance advice as well. Businesses thrive on efficient utilization of resources and the one resource that needs to be most efficiently monitored and allocated is business’s cash.
For startups, managing and saving cash can make the difference between survival and demise. There are a few clever ways which can help a business save and manage their cash without jeopardizing performance.
If you have ever spent time flipping through a men’s fashion magazine while at the grocery store or while waiting to get a haircut, chances are that you have found a number of quality grooming products that you think might add to your overall image. But not always you should buy expensive products to look good, there are frugal ways too.
Purchasing all of those advertised wonderful shavers, groomers, hair gels, pomades, beard oils, and so many other products would probably require you to take out a second mortgage on your house.
For most students, the college provides the opportunity to live away from their parents and make critical decisions independently. One of these decisions is choosing where to live while pursuing studies. As a student, you have the option of staying in the campus dorms or renting an apartment outside the university. Either way, you will inevitably end up with some kind of debt.
The cost of college housing, both on-campus and off-campus constitutes one of the biggest expenses after college tuition, and therefore, students should make a financially sound decision when choosing a housing option. Knowing the costs involved, benefits and challenges of each option will put you in a better financial position.
It’s important for everyone to have savings and retirement plans in place. Our most productive years are also the years where we spend the most money, so squirreling away a percentage of our earnings to savings and retirement plans is essential. Within that broad framework are many different investment options.
You could delve into mutual funds, ETFs, individual stocks, commodities, futures markets, treasuries, etc. The possibilities are endless. Here’s where things get a little tricky: how do you know where to trade, what to invest in, and how much you should be paying for these services?
Nowadays, some of the most profitable businesses are the online stores. They don’t require a big investment and they can start making money after a short period. Additionally, more and more people are opting for online shopping, so this industry is expected to continue growing in the coming years.
If you want to set up your own online store, but you have no idea where to start from, we can help you. The following article will serve as a top-level overview of your first steps for establishing your own online store.
Card for travel is a new trend among debit ones. They are always tied to your personal Bank account. Thus, you have access to your finances anywhere in the world wherever you travel. Here are two good reasons to start using a payment card for travel. First of all, traveling abroad with this one, you save money during currency exchange.
Secondly, you can easily monitor your expenses in any country. Today, very few banks offer cards that provide no-fee currency exchange, and the process of obtaining such credit can be extremely difficult.
This is a follow-up post from the earlier listing of 80 ways to lose money. Now in this post I am going to mention 101 ways to save money .
These are some coolest and easy to implement ideas that any one can carry out. Saving money is one of the essential steps of managing personal finance. you gradually go from bad financial stage to a neutral stage by adopting various money-saving ways. Then start earning more money, getting a raise, having a side hustle, etc.
So, start your new financial life with a goal to save money, at least 10% of money this year, compared to previous one. I will mention the ways you can achieve the cost saves.
