One Cent At A Time

A Personal finance blog to get rich

5 Money Wasters you Can Cut Out From Life

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Previously I posted 80 Ways to Lose Money,  that article talked about 80 different ways you can waste your hard earned money. This article talks about 5 of them in depth, that you can cut from your life. Caution, this is not to tell you to absolutely cut these out. I know for some of you having text messaging plans or unlimited data plan on your cell phone is important. In that case you may find some alternative that you can get rid of

Losing Money

Money wasters in life are great threats to your savings. They could even risk your riches and set you on a downward decline. You need to identify them and cut them completely from your life. Here are the five money wasters you can cut from you’re your life.

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25 Frugal but Romantic Gifts for Your Spouse

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If you had asked me few years ago what’s the best romantic gift for my wife, I would have inadvertently said ‘Lingerie’. But in my 8 years of married life I have learned to go beyond those stuff. A walk on the beach on a full moon night is by far more romantic than a lingerie, which anyway you’d see on her for a few minutes before those come off.

romantic gift for spouse

In my childhood, I had known a teddy bear as most romantic gift around. Today as I sat down to write this article I can think of many ideas that can be romantic and frugal for every spouse.

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The Weekend Made Cheap – How to Spend Weekends Frugally

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The Weekend Made Cheap; So many people fall face first through the work week, just waiting to indulge on the weekend and release all of the employment induced tension. This is completely understandable and a direct result of human nature, but what you do with your weekend is the gold ticket to staying within budget confines and stowing away some of that hard earned cash.

Family Finance

The Weekend Made Cheap; So many people fall face first through the work week, just waiting to indulge on the weekend and release all of the employment induced tension. This is completely understandable and a direct result of human nature, but what you do with your weekend is the gold ticket to staying within budget confines and stowing away some of that hard earned cash.

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10 Low Cost Halloween Costume Ideas

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One of the most anticipated parties of all time is the Halloween. People spend time, effort, and of course a significant amount of money just to show their unique costumes.

Cheap Halloween Costume

Some are even buying costumes from other countries to make sure they are unique. Some go to a couturier to have a customized costume that no one can mimic.

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Ways to Reduce Cost of Lighting

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Ninety percent of the energy used by an incandescent bulb is wasted, while only 10 percent is converted into light according to EnergySavers.gov.

Light bulb

The new age light bulbs save energy by turning much more electricity into light. The engineering behind the manufacturing make it possible. The Natural Resource Defense Council says by 2020 the law will reduce energy costs by $100 to $200 per household each year. That is equivalent to shutting down 20+ power plants across the world.

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Top 10 Budget-Friendly or DIY Substitutes for Day-to-Day Expenses

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The following is a guest post, with very valuable frugal tips. Enjoy reading!

Saving money is both easy and difficult. When you have access to the right kind of information and knowledge then it is easy. However, if you are deprived of such great information, then you might find it difficult. Luckily, you have landed on the right page, here we grow One Cent at a Time. Given below are ten budget friendly substitutes for your day-to-day expenses.

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Being Frugal & Handling Social Taboo at Home or Outside

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We do not have cell phone text messaging plan. We try to limit sending text messages. This is not looked down upon greatly by our friends. Over the weekend we were travelling along with another couple in our car. We switched off the cell phone GPS system while on highway. When we told them the reason being we were very close to our monthly data plan limit, they made faces. I could see through rare-view mirror.

This might be happening on this blog too. I know there have been readers who came, read a few posts and then left. I may have been too frugal in their eyes. Even at the time of recession, frugality is considered to be poor man’s choice. If some one makes points like below.

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Live Like in Early 19th Century to Become Debt Free

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In my about page, I mentioned I can’t write about how you come out of debt, as I never have been in debt. I am rather, much comfortable in sharing ideas of avoiding debt trap and remaining debt free.

Well, for this article I am going against that stated direction because, when I saw my neighbor fishing at a nearby lake few days back, an idea stuck my mind – What if people in debt start making their own food? The way our great grandparents did in early 19th century, and, adopt their life-style? Will it accelerate debt recovery?

This morning I was reading various debt related blog posts.  All views were about concept of cost cutting and increasing income with variation in pitches.

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Cost Cutting Ideas We Can Learn From India

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The following is a guest post from an American, Kristy, who now lives in India, just the opposite of us. Enjoy reading.

When I lived in the United States I listened closely to all the things we were taught of saving money and energy and the environment.

Those of you who live there know very well how many commercials run and how many innuendoes’s there are in everyday television shows. Even when I followed all the tips such as replacing my light bulbs with incandescent lights, turning off the water while I was brushing my teeth and other such money saving tips my light bills were still too high. I tried all of the usual tips but nothing seemed to lower that one massive bill enough.

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