Buy a new computer and it seems you are only just beginning to lay out the money necessary for being fully functional. Along with the machine and its operating system, you need productivity software. Maybe you need several forms of specialty software to manipulate images and photographs or to write out music. Of course, you […]
Probably everybody knows that you should have a budget and many people dutifully on December 31st create a budget for the New Year as part of their New Year’s resolutions. Yet in many cases the budget is history by January 31st.
For a budget to be successful, it must be realistic. One way to get started […]
Let’s begin with a pizza. A large pizza, by the time it gets to your house along with the bottle of soda and a tip for the driver, will cost around twenty dollars. If you put it on a credit card that you don’t pay off immediately, it will cost you up to 30% in […]
How much clothing do you really need? How many things have been lurking in your closet, still sporting their price tags?
Most of the time, shopping for clothing is about something else besides keeping reasonably warm and decent. It’s about the joy of owning something new, a way of keeping sorrow or frustration at bay, competition […]
Often there are things we want to do that cost money and perhaps we don’t have that money right now. Being on a budget does not mean abandoning some of these activities; instead it means changing how you do them.
Exercise: it’s nice to go to a gym and use their equipment, but unfortunately gym memberships […]
One of the easiest ways to cut spending is to change food shopping habits. Here are some ways to do that.
When you enter a grocery store, you are beginning a game played between you and the grocery. The object of the game for them is to get you to buy a lot of stuff. The […]
One of the problems for the budget-challenged is that unless we can see big gains, we get frustrated. Saving $25 a month seems like chump change and hardly worth the effort because it takes four whole months just to get $100. So, why bother saving?
Well, there are two reasons to save. One is that developing […]
Depending on your financial means, you may travel extensively throughout the year or like many of us, take one big trip during the year after saving up enough money. While there are many ways to save for the trip from creating a separate vacation account and putting money in monthly to stashing cash away in […]
Many people tend view their utilities as a fixed cost of living. However, there are way you can shave small amounts off your bills that will add up to a big savings over time. These suggestions will help your reduce your costs and allow you to contribute more your personal savings account each month.
Unemployment is on the rise and the stock market is down. Your 401k has taken a hit and you don’t know when you are going to get a pink slip. So, how do you manage your money in these circumstances?
First of all, find out how you can change your investments to safer ones. Some 401k […]
The current economic situation is certainly affecting our diets, but eating on a budget doesn’t necessarily mean that our health needs to be compromised. Check out healthy eating on a budget from HealthyFellow.com:
How do bad economic times affect our diet? There are two ways that are of particular concern to me. The first is a […]
Online degree programs become more and more popular, it might be very helpful when we start a new career.
There is a Decathlon store near my place, they have almost everything for fitness, they are also not expensive. I always go there for all my fitness needs. Today I bought a flashlight, some clothes for my trip to the beach tomorrow, and a chin up bar.
There are more and more online shops which offer […]
Discount magazine subscriptions are available online.
Sometimes we need to use some expensive stuff, but we only use it one or two times, also they are difficult to keep or maintain, in this case, renting is an obvious choice. If you try to find out if you can rent what you need, you may be surprised to know what’s available on […]
Once you develop a habit of saving, the habit will not leave you ever, no matter how hard you try to get rid of this habit. It’s a good thing that you have started earning, but your tomorrow will be better if you start saving from today. Here are some useful tips to help you get started in the art of saving.
Learn the tricks to cut on home expenses without living like a miser and get a great personal financial record.
There was a time, when the primary duty of the parents had been to introduce their children to the basic values of life like honesty, discipline, sincerity, truthfulness, etc. But as 21st century parents, you have to train your kids in another important aspect of life and that is the aspect of managing money matters.61b
Your long term success in personal finance will be measured by how much you have been able to save in the end. To keep a reasonable balance between what you earn and what you save, you need a budget.
Learn about the personal finance that will pump in fresh blood to your business venture.