A Personal finance blog for saving money and earning more and thus having a better life
Every physician wants to save money, but building good money habits is more difficult than it sounds. Saving additional money each month allows you to put more toward things like retirement, college tuition, emergency funds, and other vital expenses.
It’s impossible to completely transform your financial outlook overnight, but the changes you make today will affect your entire financial future.
I have a reader from San Francisco, who wanted to let fellow citizens to know the ways to score cheap moving deals. With more than 10% of Americans moving every year, the tips are not only applicable for San Francisco but also are equally efficient in any city. Enjoy the post!
San Francisco is one of the most beautiful and visited cities in the world. It is known for its Victorian architecture, hilly terrain, great cultural and ethnic diversity and liberal community. Local residents and visitors are fond of this city. Life here seems ideal, until you need to move your home or office.
Couple of weeks back I got a mail from one of my readers. She mentioned herself as a regular reader. she wanted to see menu planning and frugal food related posts here. I asked her to give a few of her favorite low-cost recipes. Here’s what she came up with in 3 different emails. I can see the menu serves all tastes and food habit.
I always take the left over food for my lunch. In our cafeteria I see most of my co-workers buying food. Although subsidized, their per lunch cost must be more than what I pay for my boxed lunch. This compilation is made up of ingredients that are readily available, good for almost every taste and most importantly, they cost little less money than your regular lunch. About the time these preparations take, they don’t take more than an hour!
Previously we posted on ways to save money on hotels. This article from Penny is in line to that one with putting more emphasis on tricks to choose cheapest yet better budget hotel in your destination. Hope you’ll enjoy the post! 
Are you planning a trip, but are you worried about the cost? One of the best ways for you to stretch those vacation dollars out is to be smart about your sleeping options. If you research a little before you book, getting budget accommodation is easy. Read on for ideas on how to find a low-cost hotel room that suits your travelling style.
Before going on your vacation, research the average price of hotels in the area you’ll be travelling to. Once you know the average, decide how much you can afford to pay. However, just because a hotel meets your price range doesn’t mean you should book it immediately.
Because cheaper hotels are often farther from a city’s main sites, look at the transportation options that you’ll have in the area. Factor in the cost of getting to and from your hotel. For example, if you search for hotels near New York City, you may find some lower-priced options in New Jersey or areas other than Manhattan that will help you keep costs down while still being close enough to public transportation.
Renting a car is the cheapest way to have fun when you travel because you are not dependent on cabs, which are very expensive especially in big towns and you also save money on gas instead of driving your own car to the place you want to travel. Rented cars usually are well maintained which means you will almost never have any trouble with breakdowns and since the car is not yours, the risk of theft is almost discarded because the rental company takes care of the matter and you lose no money.
Whenever possible we try to take our car. Our most recent two vacations involved driving instead of flying. We went to Savannah, GA and Orlando, FL from our South Florida residence. This fall we are planning to visit great Smoky mountains by car. So, whenever possible we try to avoid flights. That saves us money, gives us joy of long drive with scenic beauty. Whenever needed we stop the car, take pictures, give rest to body, etc.
The only thing certain about holidays is that you need to buy gifts and you’ll probably need to travel. The best way to prepare for the expenses is to save every month, a little towards that big expense. With the cheaper gas price, you’re expected to travel cheaper than previous years, but you can further cut cost.
Even though you may have just put away the swimsuits and pool toys, now is actually the right time to start thinking about your holiday travel plans. It used to be that you could wait until a few weeks before Thanksgiving or Christmas to buy your airline tickets, but those days are long gone.
We have been renting since the last 7 years. I have rented in two different cities and moved 5 times, and I have lived in both apartments and condos. When it comes to spending money while renting – unless you are extra vigilant, you might end up paying more than the monthly rent.
People have written page after page advising others how to buy a home, but there aren’t many resources covering how to rent. Even if you are going to stay in a rental home for a limited period, this is still the place you call home for next several months.
Below is my attempt to list the lessons I learned and good practices I adopted during several years as a renter.
Buying software online is a risky proposition, especially if you are new to shopping online. Whether you are upgrading software version or looking for a new one to install, the process will be a much easier if you pay attention to details.
I never had a problem buying software online, its relatively easier these days as you don’t have to wait for the CD to arrive in your mail box. Rather, you can download instantly and start using within a few minutes as installation process completes.
No, I don’t, I am fine with the way I am, living without Netflix for last 5 years. I ask you to think about your plan too. Do you really need to keep on subscribing to Netflix?
This is one of the businesses that is striving on our disposable income, you go to your friend’s house, and seeing him/her using Netflix, you order your’s own, without realizing if you really need it.
In one of my earlier posts, I mentioned how did I get my video camera for free. But I put in some effort to grab that, in this post I will explain you how to easily get freebie online.
This post is not to get freebies at brick and mortar shops. that topic still need research and the write-up is not ready yet.
Remember, you can not get a very valuable freebie without effort, unless you are as lucky as the lottery owners. I know people take advantage of typos in website product listing and get things worth $400 in $4, once advertised, companies are obligated to sell at that price.
