5 Simple Money Saving Tips For Families

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We live in tough times economically which means that as a family, you are probably wondering what you can do to save money. It is families after all, with young children to care for and possibly only one working parent bringing in an income that feel the pinch more than others.

Thankfully, there are plenty of simple ways that you can save money as a family. From taking advantage of coupons and discounts to reduce your weekly grocery shopping bill to cutting out non-essential services that you can do without, we’ve put together these five simple money saving tips for families.

Organize your grocery shopping more efficiently

Being organized ahead of your weekly trip to the grocery store can help you save money. Writing out a shopping list of exactly what you need ensures that you don’t end up buying unnecessary items, such as a pack of ham when you’ve already got a small pig sitting in your refrigerator.

Take full advantage of coupon schemes

Coupons are everywhere. You probably know all about the coupons you can find in magazines or your local newspaper, but are you taking advantage of the large number of coupons you can find online or have you signed up to the mailing lists of companies whose products you use regularly in order to ensure you don’t miss out on any offers? There are even websites such as Myfreedeals.Com who will do the hard work so you don’t have to, listing various coupon schemes that could end up saving you lots of money.

Never buy appliances “off the shelf”

When it comes to buying expensive appliances, you can make significant savings with just a little bit of time and research. If you need a new television, by all means visit the appliance store but don’t commit to a purchase there and then. Find a make and model you like the look of and then try and find it online. Chances are you’ll find it cheaper on the internet.

Cut out services that you can do without

Most of us have at least one service that we no longer use and which could be cut in order to save us money. It could be something we’ve signed up for such as that gym membership that proved useful for the first couple of months of the year when our get-fit drive was at its highest, but is now proving to be completely pointless, or it might be that landline telephone that has been rendered all but redundant thanks to cell phones. Take a look through your household outgoings and strike off anything that you no longer need or use.

Sell what you no longer need

Ok, this one isn’t saving money, but more making money. How many of us hold onto stuff we no longer have a use for, leaving it cluttering up a garage of spare room when we could turn it into cash? This is especially true when it comes to children’s clothes and toys. Kids grow so rapidly and their tastes change so quickly that a few years after being purchased, clothes and toys can end up having no use at all. Rather than keeping them, sell them through an online marketplace and recoup some cash.



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Transform Your Kids Into Investment Experts With These Proven Tips

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What’s the ideal time to start teaching your kids about money? Three years? Ten years? Read on and find out!

Believe it or not, the tiny and seemingly meaningless financial decisions you make in front of your kids are taken into account by their ever-exploring minds. Because of this, you should always be the biggest advocate of financial intelligence in your kid’s life from day one.

In the long run, you want your children to grow up into responsible, self-reliant money magnets. Here’s how to make your kids the geniuses of investing.

  1. Simplify concepts as much as you can

What do you think would happen if you took your five-year-old daughter through some delicate financial topic while using technical terms all through? Her mind would shut off; unless she is a replica of American philanthropist and one of the most successful investors of all time, Warren Buffet.

The method of delivery is important when it comes to kids. By using stock gift cards, piggy banks, and money games, you can teach some of the complex topics to kids, and they would diffuse the concepts in their minds.

  1. Make your lessons interesting and use real-life experiences

First things first; figure out how best your kids learn. Is it through watching entertaining clips? Is it through a one-on-one conversation? Is it by reading through something well-structured? Knowing this will not only help you formulate investment lessons for them but also gives you insights on how to improve their learning styles.

Tell stories about how some of the successful people emerged as the giants in the world of investment. To make things even better, give them your real-life experience; tell them how avoiding a particular debt would have saved you a great deal of money. Doing such small things could become quite life changing for them over time

  1. Clearly explain how investing is more beneficial than saving

Once they are a little bit older to understand things better, show your children that there is a better-priced possession than just filling their piggy banks; which is a great investment plan.

It would be so interesting for a kid to learn that they could use the money they have, to make more money. Make this lesson interesting by comparing the process to a big family tree, in which, money reciprocates money.

  1. Involve your kids in some of your financial decisions

Build the right kind of attitude in your child, and they will never depart from it. When it comes to making simple financial decisions, let your children be part of the decision making process. Make them feel responsible for something meaningful and explain to them why you opted to give money for a certain cause while pulling off investments from another.

  1. Build a millionaire mindset in them

There is nothing more important than showing your children how to think outside the box and never to limit the extent of their financial growth. Go through informative sites such as the States Chronicle News and show your kids how people who made wise financial decisions became investment experts. In one way or another, this will inspire them to the path of success.

Ultimately, education is the greatest investment you can ever make in a child. More so, helping them become technical experts and sharpening their wits as far as business and finances are concerned. Take this initiative and exercise these simple tips with your kids today.



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7 Great Ways Stay-At-Home Moms (And Dads) Can Make Extra Money

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There is nothing easy about being a full-time parent. In fact, it’s a full-time job, just without the full-time paycheck to match. When one parent has to stay at home to take care of the baby, it can put a financial strain on the family, because there’s only one income for the entire household. Thankfully, there are loads of ways for you to make some extra money, even if you can’t leave your house to go to work. If your family is struggling, or you just want to give yourself more of a financial cushion, then here are seven ways for you to make money while still taking care of your children.


Become A Mommy (Or Daddy) Blogger

Blogging is a fun and creative way to earn some extra cash for you and your family. Of course, you won’t start making money right away, but once you’ve published a few posts and have started to build your audience, you could receive a fair wage each month. If parenting advice isn’t a passion of yours, then write about something that is. There are millions of blogs out there, so be as unique as you can if you want to get noticed.

Take Online Surveys

If you’re searching for a quick and easy way to earn a few extra bucks, then you should consider taking online surveys. Each online survey website is slightly different, but most generally reward you with points for completing surveys, which usually take between five and thirty minutes to complete. Then, once you’ve collected enough points, you can exchange them, for gift vouchers that can be used at different retailers.


Look After Other Children

If you’ve got any friends or family members that need child care throughout the week, why not offer to look after their children while you’re at home with your own. They’ll probably be grateful to have someone they know and trust looking after their child, and this way your child will have someone besides you to play with all day, while you also have a bit more money to play with. Just make sure that you stick to two or three extra children at most, or you might not be able to cope.

Cater For Parties

If you love baking and cooking, then why not offer your catering services to your family and friends. Depending on how much time you have on your hands, and your skill set, you could make anything from a single birthday cake to an entire buffet, and will earn a decent amount of money while you’re doing it. Just make sure that you don’t take on too many orders at once, or it’ll quickly turn into a full-time job, which is something you probably don’t have time for.


Sell Your Baby Clothes

First-time parents tend to stock up on adorable outfits, and although these are incredibly cute, there is one big problem – Babies grow fast. Most babies grow out of clothes before you have the chance to blink, so you’ve probably got a whole pile of baby grows that have barely been used. Rather than waste these outfits, sell them online, along with any shoes, books, and toys you no longer need or use.

Make Your Own Jewelry

If you’re particularly creative, why not create your own metal stamped jewelry and sell it online, on websites like Etsy, eBay, and Amazon. You’ll need to buy the necessary tools to do this, as well as the blank bracelets and necklaces, but you can get all of this from ImpressArt at CraftDirect. Once you’ve got what you need, you can start making a few simple designs, to begin with, and slowly get more creative and extravagant.


Tutor Struggling Students

If you have experience in teaching and have a few hours spare each week, there’s no reason why having a child should stop you from helping students. You can find struggling students through you own children’s school, in local newspapers, and through online ads, who can come to your home and be taught there. You could also tutor students via webcam, using one of the many online tutoring websites that pay you by the hour.

You may have to stay at home and look after your children, but that doesn’t mean that you can’t support your family financially too. There are lots of ways for you to make some extra money from home, so if none of these takes your fancy, you can do some more research and find something that does.

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What Happens When Those Hefty Purchases Rear Their Heads?

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There are few things likely to cause a lot of people to become incredibly anxious and frustrated than their finances. Let’s face it, worrying about money is just a part of adult life that we all, sadly, have to come to terms with. Of course, most of the time it’s the little things, and it’s not too difficult to get by for the vast majority of people. Then again, sometimes something happens that causes you to have to consider your finances in a way that you really don’t want to. Those kinds of hefty costs or purchases can leave you feeling incredibly anxious and worried and can even cause some pretty serious long terms problems for you further down the road. With that in mind, here are some things that you can do when those hefty costs rear their ugly heads.

Look for the best deals

The first thing that you’re going to want to do when you find yourself dealing with those kinds of large costs is to see what you can do in order to minimise them. For instance, buying a house is one of the most expensive purchases that you can make so using services like homeequitylineof.credit can make life a whole lot easier. The same goes for things like finding the best finance deals on a car or looking for the best value for things like home repairs.

Be ready

If you really want to avoid falling into a financial pit when large costs crop up then the best thing that you can do is to be ready for it. This means putting money aside in a savings account rather than spending everything that you have. Just because you’re in a financially comfortable position now doesn’t mean that you’re going to be in the same position in the future and planning for that kind of eventuality is going to make your life a whole lot easier in both the long and short-term.

Make cutbacks

Of course, if you do find yourself in a position where your finances are suffering then one of the best things that you can do is to make some cutbacks in order to make the most of the money that you do have. Whether it’s simple things like cutting back on luxuries or something more significant like downsizing your home, there are always things that you can do to reduce your spending and balance out your finances when you end up having to spend a lot of money in one place. Sure, this can be pretty discouraging and upsetting but you’re not going to be in that kind of situation forever, and it’s better to downsize for a while until you’re back on your feet than to end up in a pit of debt and financial trouble.

One of the biggest problems that a lot of people run into is that, when these kinds of large costs appear, they want to hide their heads in the sand and ignore them as much as possible. However, doing this is always going to make the whole situation far worse. Trying to hide from problems, especially financial ones, is never, ever a good idea.


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3 Steps To A Debt Free Life

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The average household in USA is $155,000 in debt, according to NerdWallet. To a third of Americans, borrowing is always very easy but paying back on time becomes a fist fight. It is in no way a secret that the issue of debt is so far an alarming problem. To the rescue, debt management organizations have come up to equip traders with various money saving ideas as one of the many steps leading to a debt free life.

Differentiating between good and bad debts can go a huge mile in cutting on unnecessary debt. About 46% of Americans, between months carry some kind of credit card debts accumulating to $798 billion. Categorically, this is a bad debt as it is not purposed for investment but passive spending.  This worsens with the further sum of a 13% interest charge and the many errors often occurring on your credit card bills. Fortunately, the Fair Credit Billing Act has since come in to protect consumers from such errors.

Disputing Errors On Your Credit Card And Unfair Billing

Does your credit card debt look exaggerated? You can always evaluate it to look out for errors. These might include identity theft and unfair billing such as additional charges, double charges and deceptive pricing. You can further dispute these errors to minimize your debt. The Fair Credit Billing Act directs the various credit reporting agencies to attend to your disputes through investigation. They are also required to provide you with your credit card report at least once every year for you to look out for errors.

After you go through your report and identify the errors, learn how to write down dispute letters and do so for each error. You will also need to send a demand letter to the merchant for the case of unfair pricing. Make sure never to dispute online. These bureaus often take the furnisher’s word over yours. You must then include all evidence including receipts in your letters and mail them to both the bureaus and furnishers. Never take no for an answer.

Debt Consolidation

This option will work in minimizing your monthly payments, cut on your interest rates, secure your credit card score and ultimately help you do away with your debts in less time. It combines your many unsecured debts into a single bill. You can thus pay up for all using a single check. This way, you minimize often occurring mistakes such as late payment and incorrect figures as well as hefty bank transactions.

Minimize Debts By Avoiding  More Debts

An effective way of cutting on your debts is by first avoiding any additional debts. This can only mean identifying the underlying causes of your current debt. Among them mainly being mishandling of credit cards and living beyond your budget. It is important to keenly watch what you buy with your credit card. Make sure it is a necessary purchase. This is made easier by living on a budget and sticking to it. This will definitely give you enough room to work on clearing previous debts.

These options might not be a quick fix for your debt. However, more  importantly, they will eventuality get you out of it. This is only if done correctly. After all, ignoring your debts will only make them worse. Finding new ways to generate income is also great for managing debt. Cash from your side hustles could be directed to clearing debts. They could also fund businesses instead of seeking out loans.

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Personal Finance Myth Busting

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The management of
personal finances is something that most of us learn in bit parts. Unless our parents took it upon themselves to explain the ins and outs of financial management, managing this side of our lives is a constant learning curve.

As a result of this, financial knowledge across the general populace is… well, less than ideal. People learn what they have to learn to get by, but ignore the ins and outs that can make a real difference to your financial situation. In this atmosphere, it’s inevitable that certain myths have the ability to rise to the surface. These personal finance myths, that hundreds of thousands of people believe to be true, can be incredibly problematic when it comes to financial management.

So, it’s time to bust the myths to help ensure that your financial management is always as good as it can possibly be. Here are four of the most common myths, as well as an explanation on why these “common knowledge” sentiments should actually be ignored…

MYTH: People with excellent credit scores don’t have credit cards or debt

REALITY: You need to have credit cards, loans, and even debts for a good credit score.

The reason for this is simple: your credit score is a reflection of how good a customer you have been in the past. Creditors use this to judge how good a customer you will be in the future. If you don’t have a financial history — such as a credit card or debt — then they can’t judge if you’re a good customer or not, because there’s no track record on which you can be judged. Using a credit card sensibly is the best way to maintain good credit; read through credit cards reviews to find a card that works for you, use it for basic purchases, and pay it off in full every month, and your credit score will blossom.

MYTH: Debt is always bad

REALITY: Debt can be bad, but it can also allow you to further your life in a way that would otherwise have not been available to you. Debt can be beneficial if the debt was incurred for a specific purpose, such as a car to allow you to seek work with a longer commute, or funding your education. If debt is productive and manageable, then it isn’t inherently bad.

MYTH: Pay off highest interest debts first

REALITY: Paying off the highest interest debts may be beneficial in a financial sense, but research has indicated that such a strategy isn’t as useful in a psychological sense. Instead, you should pay off the smallest debts first, as this helps you to feel like you’re making more progress with your debts, and this helps you to focus.

MYTH: Budgets aren’t necessary if you’re financially secure

REALITY: Budgets are necessary for everyone, and can ensure that those who are financially secure stay that way. Learning to budget is one of the most useful personal finance skills you can learn.

In conclusion

Now that you know the truth behind these common myths, the management of your own personal finances should be a breeze!

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Easy Ways to Save Money (Without Changing Your Lifestyle)

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Most of the time, when you read articles and blog posts about saving money, you’re bombarded with lots of advice that require you to vastly change your lifestyle if you want to have more money in the bank. You’ll be told to stop buying your veggies at the store and grow them at home instead or to cut the cable and start reading more books instead of watching the TV; some people will even advise that you cut your own hair! Although there is nothing wrong with these tips, and they will undoubtedly save you money, they aren’t what you want to hear because they are asking you to change your lifestyle too drastically.

The good news is, you can save money without changing your lifestyle very much at all. Here are some pretty painless ideas that will help you to save more money every month while pretty much maintaining the kid of lifestyle you have now:

Turn Down the Temperature

If you turn down your thermostat temperature down by just three degrees, unless you experience a sudden arctic blast, you are unlikely to notice the difference in your home’s coziness levels, but you will definitely save at least 10 percent on your energy bills, which depending on how much you pay each month, could represent a significant saving!

Switch Power Suppliers

As long as the lights come on and you can heat your home, you don’t really care where the energy come from right? It won’t make any difference to how you live your life, will it? So, start looking around for the best electricity and gas prices available to you and make the switch. There is no reason to be loyal to the power company when you could save tens of dollars every month by switching, so do it now.

Determine the Best Time to Do the Laundry

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Many power companies run peak and off-peak hours and if your run your power-guzzling appliances like the washer and dryer during off-peak hours, you can save lots of money. This is a really easy lifestyle change to make because the laundry needs to be done no matter what and switching it to a later hour is unlikely to affect your lifestyle very much at all.

Turn Stuff Off

Before you leave the house, or when you aren’t using it, turn everything from the TV to the lights off. Leaving stuff on when you aren’t using it, and certainly when you aren’t even in the house is madness from a money-saving perspective, and it isn’t exactly good for the planet either!

If you’re concerned about maintaining the illusion that someone is home to deter burglars, then install a few energy efficient LED lamps in your home and connect them with a timer-based power strip, so the lights will come on for a little while when it gets dark.

Start Planning Your Meals

One of the most common ways we waste our cash as a nation is by shopping without a grocery list, particularly if we do so when we’re hungry. Why? Because when we don’t have a list we tend to buy all kinds of random things that may or may not feed us for a whole week in way that makes sense, and when we’re hungry, we tend to throw a lot more junk into the cart. By working out, then, what we plan to eat for a whole week and creating a list that contains only the ingredients to make those meals, we can save money. We’ll probably save a few pounds from being added to our bodies too!

Check the Unit Prices

While we’re on the subject of grocery shopping, don’t be fooled into thinking that the item with the lowest sticker price is the one that represents the best value – often it is not. You see, when you’re comparing like items, you need to compare the unit price, not the sticker price to see which represents true value for money. You’d be surprised how much you can save simply by doing this.

Bulk Buy

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Waiting until non-perishable goods that you use regularly go on sale – things like toilet paper, trash bags and dried beans and pulses – and then buying them in bulk is another smart way to save dollars without changing your lifestyle.

Use Coupons

When you’re buying anything, whether it’s groceries or electronics, look online for coupons first. It’s never been easier to find coupons and using them means you can keep buying the things you love, maintaining your current lifestyle, for less. You know it makes sense.

Make Do and Mend

Instead of immediately tossing that dress when the seam split or those shoes when the sole comes away if they are in otherwise good condition, mend them instead. You’ll save bags of money when you don’t immediately toss stuff because it’s no longer perfect and you’ll learn a few handy skills along the way too.

Check Your Tire Pressure Regularly

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If you’re looking for a good way to cut the cost of running your vehicle, then as well as shopping around for the best gas prices, you should be checking the pressure of your tires regularly too. What a lot of people don’t realize is that when you’re tires are at the optimum pressure, your vehicle runs more efficiently, burning more gas per mile than a vehicle where the air pressure is lower than it ideally should be.

Cancel those Memberships

If you actually go to the gym regularly and if you actually watch Netflix quite often, then they’re probably worth holding on to, but if you don’t, then cancel those memberships right now. Why are you paying money for something you don’t use? Most of the time, you only have to click a button to stop paying, and you’d be foolish not to!

Lifestyle changes are sometimes necessary when it comes to saving money, but as you can see, there are lots of really easy tweaks you can make to maintain the lifestyle you’ve become accustomed to and beef up your bank balance at the same time!


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Easy Ways To Manage Your Money

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School is great for many things, but there are some things that it doesn’t prepare us for, and managing money tends to be one of them. Being good with money and being able to manage it is essential if you want to live a comfortable life and be able to have some money left over for vacations or trips or even just to have a meal out once in a while. When you have good financial skills, life suddenly becomes a lot easier. So if you want to improve your financial habits, here are some easy ways to manage your money.

Don’t Spend Without Thinking

If you need to make a large purchase (or any purchase really), then stop and think before you go ahead. Can you afford it, or do you just want it so much that you’re persuading yourself you can? If the item needs putting on finance, think about how that will impact your monthly outgoings; even if it is only a small amount for that one item, if you have many small amounts going out of your account then it will soon add up and could become unmanageable. Make sure that you really can manage the payment or payments, and ensure that the purchase won’t leave you short between now and next payday.

Make A Budget

Making a budget is not everyone’s idea of fun, and it’s true that picking through all your outgoings and noting them all down, listing out expenses, adding everything up, and making sure you haven’t forgotten anything isn’t an ideal way to spend an afternoon. However, once that budget is complete and you can see exactly where you are spending your money, you’ll be glad you went through with it. You’ll be able to see where there are things you’re paying for that you don’t need, and when you spot them, you can cancel or reduce those payments. You may end up being able to save a large amount of money on your monthly bills in this way. Check the budget on a regular basis to ensure that it all still holds true. If you make a purchase using payment plans or pay a credit card or loan off completely, make sure you adjust the figures to show your new potential spending or savings amount.

Go Unbudgeted

We’re not contradicting ourselves here – it’s important to budget and to stick to what you’ve got, but it’s also important to have fun. So try to keep a certain amount of money to one side per month which you can use in whatever way you want; you might get takeout or go to a restaurant, perhaps you’ll see a show or buy some new shoes. It doesn’t matter what it is because that’s the point; it’s fun money. This money doesn’t need budgeting minutely, as long as you know how much you’ve got to play with.

Get An App

Using financial planning apps to track your spending a wonderful idea. Not only are they easy to use, but they provide you with a lot of insight into how and why you spend money, and this could help you save more in the long term. It’s the little purchases you make each month that add up into a problem and can cause over-spending because they don’t seem like such a big deal when you’re handing over the cash or swiping your card. Using an app means that every time you spend money you can make a note of it (or, if it’s connected to your bank account it will do it automatically), then categorize your spending. This way you can manage your money much more easily.

Shop Around

Thanks to the internet and the plethora of online stores, it is likely that you will be able to compare your potential purchase before you commit to paying for it. This way you can make sure that you are paying the lowest price you can. Be sure to take any shipping and handling costs into account as these can make what looks like a great deal become a lot more expensive. As well as shopping around for the best bargains you can also look for coupons and discount codes or even cheaper alternatives to what you were going to buy. A good idea is to put the difference between what you paid and the most cost of the expensive version of the item into a deposit account; you’ll be more likely to look for cheaper ways to buy when you know you’ll be able to put more into your vacation or clothing account.

Save Up

Today is all about instant gratification; if we see something and we want it, we get it. However, this way of thinking can mean that many of us end up in financial difficulty, overspending on things that we don’t need or even particularly want. If you do want something, then the best way to buy it is to save up for it. It will, of course, take longer, but it will be worth doing because you’ll know as you buy it that you worked hard to get it; there will be a greater degree of satisfaction in that. Not only that, but you’ll know you won’t have overspent and left yourself short, and neither will you have to pay the interest that would be due if you bought the item on a credit card. Another bonus in saving for something is that by the time you have the money you may not even really want it anymore, so you can spend your money on something else.

Limit Your Credit Card Use

If you aren’t great with money then limiting your credit card usage is a clever idea. Many people run out of cash and then turn to credit, but they don’t give any thought to how they will pay anything off, or how long that might take them. Credit cards can be useful; they can actually build credit, for example! However, the key is to pay off as much as possible – preferably the entire balance – every month. If you limit your credit card spending and make the largest payments you can, then you’ll realize that although perfect in an emergency, it’s far wiser not to use them for everyday purchases.

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Shopping Smart To Save Money

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Everyone looks for ways to save money in every aspect of their lives. And it’s no wonder with the economy the way that it is, and even with living wages slowly increasing, it’s never at the same rate. And there always seems to be another bill to pay for, or a surprise one that forces you to dip into your hard-earned savings. But, at least they are there. So many people get into debt through depleting their savings and needing to find further funding. Which makes building up those savings again even harder. But it all begins with finding the money to save in the first place.

Apart from the essential bills, there are always more things we pay out for – like phones, Netflix and shopping. And you should be allowed to have those luxuries, but that doesn’t mean that you can’t save money while still having the things you want.


The issue with shopping online is that you can’t judge the quality of the product until it has been delivered to you. And so you might be spending money on something that isn’t up to standard, plus shopping online can be hard to return products when buying through independent sellers, meaning that you can’t get your money back. Which is way it can be the better option to buy through the big, well-known brands. This way you are aware of their reputation, and they usually have a straightforward return policy. However, to save the most while shopping online, you should always look for the best deal, and to do that, you must shop around. Smaller sellers and e-commerce stores often have reviews written through sites like https://www.sitejabber.com/reviews/dealdash.com, where you can get a clear idea of the store and it’s products. Bookmark the pages you’re interested in and compare the prices – and if it is approaching the end of a season, why not wait for a few weeks and see if the item you are looking at will go on sale.


When buying clothes, either in store or online, the main thing to consider is quality. Luckily if you go in store you can feel the material and know pretty quickly whether it’s going to last. Fashion trends come and go, but staple parts of your wardrobe are always worth spending a little extra on. Coats and shoes take a big brunt of day to day life, so make sure you’re buying things that are going to last. Online, again the risks are there with independent stores, but everyone tends to have a favoured clothes store that they can rely on. You should always look to shop in the sales and to learn how to do minor repair work – if there is a split seam or missing button, most stores offer a discount on the product – you can find some basic sewing tips here http://www.threadsmagazine.com/2012/04/27/simple-fixes-and-mending-techniques. Buying in store rather than online also give you the chance to try on the product before buying, meaning that you will only spend money on something you know fits and looks good on you. Yes online you can always return – but that missing money for a few weeks might make all the difference. As always – look for the best deal by shopping around. Do your research online and then visit the stores in person to make sure that you are getting the right value for money.


Food shopping isn’t really a luxury, however it is an expense where you buy luxuries. Swap out your branded products and try the store’s own – do it for a week and keep the swap permanently if you can’t tell the difference or prefer the non-brand product. When in the store you can do one of two things to help keep costs down; the first is that you simply buy what you need – no more and no less. If your meal plan (which you should definitely have) calls for two peppers, then only pick up two peppers rather than a pack of four. The second option is to bulk buy sale products. If a cereal your family eats all the time is on a buy one get one free then bulk buy that product and stockpile your long-life products. On top of these practices, you might want to look into coupons. You don’t have to go overboard and end up on that TV show, but you can save a lot of money through using some in your weekly shop.


Shopping for furniture can be pretty straightforward; find the sale and buy what you need from the sale. Furniture needs to be hard wearing and last a lot longer than a new top would. The quality of materials here is so important; if it’s a sofa, for example, you will have people hopping on and off it constantly for the next five years. Food and drink will be spilled and naps will be taken – so you need to make sure that what you are buying is going to last. You can buy decent second hand furniture online through sites like ebay.com, and the item can be cheaper and just as good as buying it new from the shop. But, once again, you don’t know what is wrong with the product, if anything, nor can you return the items if it doesn’t work properly, it breaks or if it simply doesn’t fit.


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Set Yourself Up for the Future

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The future is a scary place, but you have to learn to accept it. There’s no going back or staying in one place. If you want to feel more comfortable with the passage of time, creating a plan for your future can help you a lot. Set yourself up for the future you want, so you know where you’re going.

Create a Life Plan

Creating a plan for the rest of your life might be a little ambitious. However, a lot of people think about what they want to do with the next five or ten years of their life. Sitting down to set some goals and then some smaller objectives is a smart idea.

Decide What Matters to You Most

Everyone has different priorities in life. For some, it’s having a family. For others, it’s earning a lot of money or enjoying their career. Whatever makes you tick, decide what matters most and how to get what you want.

Think About Your Finances

Even if you want to spend the rest of your life doing good for others or traveling the world, money is important. You at least need enough to support yourself while you do whatever it is you want to do. So it’s essential to think about your finances of the future.

Complete Your Education

A good education can set you up for a bright future. If you want to have a bright future ahead of you, getting to a level of education that you’re comfortable with will help you. Choosing the right things to study is an important part of your education.

Infographic On How to Choose an Online Graduate Degree

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