Spend less - One Cent At A Time

101 Ways To Save Money in Everyday Life

May 15, 2017 35 Comments

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.

Where Does Your Money Disappear Each Month?

November 7, 2016 1 Comment

If you believe a casual Google search result, some 76% of Americans are living paycheck to paycheck. We’ve seen all sorts of stories like these: most Americans don’t have even $1000 in savings, half of all Americans have no retirement investments, that kind of thing.

Where Does Your Money Disappear Each Month?

Financial hardship is a bad place to be, but even worse is not knowing how to manage your money at all. While debt and lack of savings may be the result of poor money skills, they aren’t the core problem themselves. It takes a revolution of the way you think about your money in order to stop living month to month.

Spend Less and Save More Without a Traditional Budget

December 21, 2015 4 Comments

I learned early in life that spending less than you earn, paying yourself first, and investing for the long term can pay huge dividends over time. But I never really followed a budget, and only recently decided I needed to implement one.

Spend Less and Save More

During this process, I discovered that there are a few simple things you can do once a year or so, and a few simple things you can do every day that will help you control spending without the complexity of a traditional budget. The key comes from periodically identifying areas where you can eliminate or trim expenses, and implementing a plan to help you control spending in the comparatively few areas where your day-to-day choices make a difference.

Avoid Living The Paycheck to Paycheck Life With These Tips

March 16, 2015 2 Comments

From all of the blessings that have happened in my life over the past few years (new house, new country, side income), is the one that has really helped me to better sleep at night, it is saving a portion I earn for future. it is the move away from living paycheck to paycheck. Paycheck to paycheck living happens when you’re waiting for your next paycheck before you make the financial moves basics each month, as example paying bills or buying food or doing some fun.

Stop living on Pay Check

Ice Cream vs Retirement

August 1, 2014 7 Comments

You make choices about your financial future every day. Whether it’s saving 10 percent of your income or purchasing a water bottle at the gas station, these small, seemingly insignificant choices can decide your financial future over time. And if you don’t carefully plan for your money to go where you’d like it to go? It can cost you your happiness and security in the long run.

Even though we might not think purchases that only cost a few dollars are significant, they actually are quite important. Especially when you consider those purchases from the perspective of compounded interest.

Few Smart Buys for this Year

May 14, 2014 1 Comment

In this guest post Jennifer talks about a buying list that can be considered as investments, to the essence that these will make your life easier and make you spend less money on other things. As personal finance is very personal, I am OK with this list. This list might work for you, but definitely won’t work with all. Some of the items, like amazon prime membership which we don’t have and probably never have, did make in to this smart buying list. Enjoy the post!

Financial instability is something so many of us struggle with but are always looking to find answers to. Money saving is challenging for many due to the progressive tendencies of having to take money from saving accounts for emergencies and extra things that we may need.

Do You Have One of These 6 Money Sucking Habits?

February 21, 2014 7 Comments

When I first started blogging here, one of my popular posts was 80 Ways to Lose Money foolishly. People objected to items like drinking and coffee, etc. As for many those are essential expenses. Even playing golf, for that matter, can be a profitable investment of money. The contacts you make in the bar or in the Barista can even turn your career upside down, it happened to one of my friends.

Personal finance is very personal, for some coffee is waste of money, on the other hand a cup of coffee everyday increases productivity, at least mentally. Enjoy this guest post from Madeline. The task for you to capture 6 most money sucking habits you have.

Saving Money over the Holidays

November 28, 2013 2 Comments

Are you trying to save money this holiday season? It may not be as easy as you think. Many people head into the holiday season with a plan to spend less money than the previous year and to be more careful about how much they spend. Here’s my other piece, 101 ideas for frugal Christmas gifts, this article is in continuation of that.

However, when January arrives, they quickly realize that they ended up spending more than they had anticipated. It really takes some planning and budgeting if you want to save money during the holiday, but it can be done. Here are some great tips to help you save money on all your holiday supplies.

Gifts

The holidays cannot go by without purchasing at least a few gifts for those closest to you. The first thing you need to do is make a list of everyone you want to shop for, and then determine how much you are able to spend on each gift.

10 Expenses your Parents didn’t Incur

November 18, 2013 10 Comments

This post is just to show how with time our expenses increased. Definitely our income did increase as well. But just imagine if we didn’t have to pay money in those areas as I’ll describe to you – what wonder it could make to your finances. Suddenly your mortgage payment would look easier to make or your debt recovery would speed up!

Comparing things you do now and things your parents did when they were of your age, draw a huge distinction. Oftentimes, you may think that what you are doing is way cooler than what they did and vice verse, but ultimately, the perception of what was or is cool lies in the eyes of the beholder.

5 Money Wasters you Can Cut Out From Life

July 3, 2013 19 Comments

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

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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Gifts

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