Saving, investing and making money with technology

Tag: budgeting

Fixed Deposits, Bonds, Real Estate: Where To Invest?

There are a lot of reasons why people choose to invest their surplus money. Some do it for the financial security whereas some do it so they can have the money to purchase whatever it is they want to. So if you have some surplus money or if you have recently got a raise, how will you choose to spend this money will you invest it or would you rather use it to buy something that you wanted.

It is a common belief that you need to work a lot in order to save a lot of money. But that’s not the truth. You need to think wisely and invest your money at the right time to get profitable returns. The idea of investment itself gives a relief that the money invested is secured. Especially for the ones who are investing for the first time. Everyone wishes to have a good return irrespective of the amount of money they invest.

Getting a higher rate of interest on FD investments can be great as you can get closer towards your goals. But the risk involvement also increases as you get higher interest returns. If you are close to your retirement the risk involved is low. But in case if there is a drop in the market rate, it can be extremely risky for you.Since there are various investment options available in India like Fixed deposit, bonds, and even real estate. Find out which option is better:

  1. Fixed deposit: Fixed deposits can be the best option when it comes to investments. Bank fixed deposits are the easiest and a commonly preferred way to save some funds in India. Fixed deposits are measured as a safer option as opposed to the stock market and mutual funds. Term deposits can be of two types: fixed deposits and recurring deposits.

Fixed deposits are a onetime investment option where you will devote all your funds at a single time. If you opt for recurring deposits, you will have to invest your funds regularly over a period of time. The procedure of the fixed deposit is very easy and it is considered extremely secure.

  1. Mutual funds or bonds: When you are talking about mutual fund investment the first thing that comes to mind is Systematic Investment Plan (SIP). In SIP the installments on mutual fund investments are for several months or years. But instead, you can also invest in a lump sum amount.

Mutual funds are highly volatile in nature and they are easily affected by how volatile the market is. You need to figure out the right time to invest in the market and look for the opportunities that give you maximum returns. You need to make sure you don’t invest at a wrong time as you can face a loss too.

  1. Real estate: Real estate is fast becoming one of the top sectors in India. If you have surplus money that you want to invest, you can invest in real estate. A real estate is a good option when it comes to investing for a long term. The real estate prices change every 6 months in India and even if you invest for a year or two, you will definitely good returns. But you also need to keep in mind that the real estate market can be affected by various things like the recent demonetization drive in India. No matter where you choose to invest your hard-earned, make sure that you do proper research before doing so. There are a lot of people who look to scamming us and we need to secure ourselves against such people.
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Time Is Money: 4 Simple Things Worth Buying to Save You a Ton of Time

Any expense requires time to pay it off. Many purchases do not return direct monetary value.

Of course, purchasing something like food has its own benefits, providing energy and nutrients so you can focus and be efficient. A super-comfy mattress could have a similar payoff by helping you sleep better and awaken well-rested.

These items may not be returning their investment directly, though their benefits are contributing to greater productivity and comfort, which can save time and consequently help make money.

Beyond the obvious, like a good diet and comfortable mattress, there are several things worth investing in that can save you a ton of time. They return their value quite well, especially for those in business:

Outsource Avenues

When done correctly, outsourcing provides high-quality results at a low cost. Many businesses would benefit greatly from outsourcing, though are apprehensive when budgeting for it. In reality, there are a number of areas where the differences between outsourcing and keeping it in-house are negligible, making the lower-cost option of outsourcing desirable.

  • Manufacturing — Perhaps the most common area for outsourcing, manufacturing makes sense, since creating a tangible good is often more dependent on machinery and instructions than actual workers. As such, outsourcing manufacturing to a lower-cost area in China can make sense, with many products costing 30 to 80 percent more to make in the U.S. Strive for a long-term relationship with a particular manufacturer to make this outsourcing process more efficient.
  • Tech Work — Web development and virtual assistance are also ripe with outsourcing opportunities. Technological knowledge is often universal, so as long as the outsourced rep can speak English, a similar service can be provided for a portion of the cost. Plus, VOIP now makes it so there’s no international calling barrier, making outsourcing technology work cheaper than in the past.
  • Graphic Design  — If a graphic, logo or layout looks good, it reflects well on your business, regardless of the country of origin. As a result, using platforms like Elance, Fiverr and 99 Designs can be a great way to acquire quality graphic design at a cheaper rate than working with a Stateside designers.

Outsourcing these three areas can result in the most savings compared to keeping these services inside the U.S.

Contact and Phone Lists

Compiling a list of relevant contacts for your business’ marketing campaign or general outreach can be dull, repetitive work requiring many hours. As a result, buying pre-compiled lead lists can be extremely beneficial and time-saving.

With such services, you can specify by area and audience, working alongside the broker to secure a list of contacts that are a great fit for your individual business.

Business Internet

For a small additional fee per month, business Internet can provide a wide array of benefits compared to residential Internet, which many small businesses are still using. With many ISPs, business Internet customers have their own 24/7 helpline and can have day-of service to resolve technical issues.

Business Internet packages also provide higher speeds, which — combined with superior service — makes it worth the cost.

Plants and Office Accessories

Mundane office and desk settings have been proven to elicit less productivity than a desk filled with color and personal keepsakes, providing a glimpse of great memories in the midst of hard work days. As such, don’t be wary of purchasing a plant, special lighting or other desk décor to make your workspace feel more homey.

It can be the difference between feeling burnt-out and turning in poor work and feeling fresh and ready to impress.

Since time is money, the four areas above are good places to invest for enhanced productivity and overall business results.

Some of them are small adjustments, like buying business Internet and office brighteners. Others, like department-specific outsourcing, can be bigger.

Regardless, they all share the quality of being well worth their price.

Image by Unsplash

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Simple Ways Tech Can Save You Money Around the House

Technology has certainly made life easier in many ways, but people often don’t consider how tech tricks can also save money.

Keep reading to learn practical tech can save you money around the house.

1. Swap Cable TV for Netflix

Statistics show that the average monthly cable bill is over $100, and they’ve been rising steadily. If you’re looking for a way to cut costs, and cable is currently your sole method of watching TV and movies, consider canceling your subscription all together and going with Netflix instead.

The streaming provider offers subscriptions starting at $7.99 per month, plus you can take a free trial to browse the types of things available to watch on the website. Recently, Netflix has also made select movies and shows available to download and watch later without an internet connection.

2. Get Rewarded for Scanning Grocery Receipts

Manufacturers and marketers are understandably eager to learn as much as possible about the things people purchase. There are now numerous apps that provide that information, and they reward participants for disclosing it. By downloading an app that gives you money for scanning your receipts, you could have more money in your bank account just by using your smartphone to take a quick snapshot.

3. Figure out Your Energy Consumption Habits

Before upgrading to new energy-efficient systems, many businesses do careful cost-benefit studies and verify the amount of energy currently consumed. You can take the same approach to find your baseline energy cost and determine which appliances in your home use the most energy.

EvoEnergy is one example of an easy-to-use energy consumption app. It can track the amount of energy you use per month, day or hour, allowing you to see if certain appliances in your home cause you to have a higher-than-necessary electric bill. After reviewing the data and making positive changes, you can keep referring back to the app to see if you’re achieving your goal.

4. Use an Energy-Saving Power Strip

If your household always needs to charge phones, keep electricity flowing to the TV and have an available outlet to plug in the Wi-Fi router, you probably have at least one power strip lying around. If the one you own is a standard version, think about upgrading to a kind that helps you save energy by preventing devices from constantly consuming electricity.

Belkin makes a high-tech power strip that can tell when your TV — or anything else plugged into it — is off. As soon as the television is no longer in use, it cuts the power to that appliance, plus several other devices plugged in as well. Take a look at your energy consumption analysis. Are some of the things that require the most energy are devices you only use during limited periods of the day? Then plug them into the power strip so they only take electricity during active usage.

5. Download Apps to see Deals and do Price Comparisons

It’s extremely frustrating to buy something and then find out a day or so later you could have gotten it for cheaper by using a coupon or taking advantage of a special offer. If you encounter that situation a lot, consider downloading one of the many apps that let you search for deals and do price comparisons. Websites ranging from Amazon to RetailMeNot offer apps that put discounts at your fingertips, which could make it so you never again pay too much for household goods.

These suggestions prove that saving money around the house doesn’t take a lot of time or effort. It just involves making use of technology to slash spending and make it easier to find ways to save, or even earn, money.

Image by Wilfred Iven

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3 Simple Strategies That Save Startups Money

There’s probably no tougher time than when you’re beginning a startup. Money and time are especially tight at this stage. The work is never ending as you try to get your product off the ground.

On top of those concerns, there’s always that nagging doubt over whether you’re doing the right thing. These are all totally normal problems that every startup — even the super successful ones — have gone through at one point.

There are only so many hours in the day, as anybody in a startup knows, so there’s not much to be done about saving time. Money, however, is a far different resource. There are ways for any startup to save money when they’re in their earliest and leanest stages.

Saving money, even a little bit at a time, goes a long way in making a startup sustainable. If you’re wondering how to stop burning through resources, you’ll want to follow these three strategies:

1. Don’t Buy New Unless You Have to, and Trade If You Can

Stocking up on new equipment, whether it’s machinery, computers or just about anything else, is especially challenging in the earliest days of a startup. Instead of buying new, it’s almost always a better idea to go second-hand or upgrade your current equipment when you’re trying to get your business off the ground. While the equipment might not have the satisfying “new” feeling, second-hand goods will be considerably cheaper and are often at least as good as a brand new version.

Scour website listings and check your contacts for leads. If you do your research right, you will likely find items that suit your needs perfectly.

Alternatively, you can even try bartering your services in exchange for other services or equipment. This isn’t uncommon, as some startups have an unused capacity that other businesses could benefit from. Maybe you’re an exceptional bookkeeper who can help out, or perhaps you have top-notch programming skills. Whatever it is, you can use those skills to save money and help out a fellow business owner.

2. Turn to the Gig Economy If Needed

Money can be your best friend or biggest enemy when at a startup. To earn some extra cash on your own time, consider the gig economy. Time is no doubt tight, but there are a number of micro-job sites out there where you can put your skills to use.

Helping out with some coding, for instance, won’t make you rich or solve all your financial troubles. It does, however, help stretch out your money so it can last longer than it otherwise would.

If you’re starting off in the gig economy, keep close records of the time you spend and the money you earn to see if the jobs are worth your time. In some cases, the money isn’t worth the time. If you play your cards right, however, then you can earn a decent amount of money.

3. Know the Most Important Numbers

Data is totally underrated as an asset, even though it’s one of the most valuable things a startup has. If you track your data, whether it’s sales, website traffic, engagement, etc., then you can make smart decisions. The right calls based on the data will make your startup more efficient and ensure you aren’t wasting your resources.

These numbers don’t have to be solely about customers or revenues, either. Knowing internal figures about how your startup is operating can ensure you’re investing in the right places. For example, businesses report that 74 percent of ongoing client communication is done by phone. If that figure applies to you as well, then you’ll be able to come to a sound decision about what kind of communication system to use.

Getting Into Good Habits

There are so many things to stress about at a startup, but developing good financial habits will lessen those stresses. Follow these practices, and you’ll find your startup in a strong position.

Image by iDriss Fettoul

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Hensarling Repeal Proposal Would Double Debit Card Fees Paid by Retailers and Consumers

WASHINGTON, June 23, 2016 – The National Retail Federation today said Congress should reject a proposal from the head of the House Financial Services Committee to repeal a cap on debit card swipe fees that has saved consumers billions of dollars over the past five years.

“Repealing this cap would double the fees that banks charge retailers and their customers when they use a debit card to pay for purchases,” NRF Senior Vice President and General Counsel Mallory Duncan said. “Doubling swipe fees and driving up prices paid by consumers seems like a strange platform to ask members of Congress to run on during an election year. A vote to repeal the Durbin Amendment is a vote for higher consumer prices and isn’t likely to win many votes in November.”

“Without Durbin’s competition-enhancing standards, banks would be free to return to the days of unfettered price fixing when they could charge monopoly-like fees for a task that costs them pennies,” Duncan said. “We can’t allow that to happen. Swipe fees are a hidden tax on goods and services purchased by consumers every day. Hidden taxes are bad for consumers and our nation’s economy.”

Financial Services Committee Chairman Jeb Hensarling, R-Texas, today released a draft version of legislation that would repeal the Durbin Amendment cap on debit swipe fees as part of a broader rewrite of the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010. Hensarling’s proposal follows standalone legislation to repeal Durbin introduced earlier this month by committee member Representative Randy Neugebauer, also R-Texas.

Prior to passage of the Durbin Amendment as part of Dodd-Frank, banks charged retailers 1-2 percent of the purchase amount to process debit card transactions. That amounted to about 45 cents on the typical debit purchases but could come to several dollars on larger purchases.

Durbin required the Federal Reserve to adopt regulations resulting in “reasonable and proportional” debit swipe fees. Under rules that took effect in October 2011, debit swipe was limited to a flat fee of 22 cents per transaction plus 0.05 percent of the purchase, or just under a quarter in most cases. The cap applies only to the nation’s largest banks, but they issue the majority of debit cards.

Without the cap, the typical debit swipe fee would likely go back to the previous 45 cents if not higher, Duncan said.

In addition to repealing the cap, the Hensarling and Neugebauer proposals would repeal a Durbin provision that lets retailers route debit transactions over payment networks that compete with those owned by the major card companies.

Retailers have passed along the overwhelming majority of the $8.5 billion in annual savings from Durbin to consumers, according to a study conducted by noted economist Robert Shapiro. At 22 cents, however, the cap is more than five times banks’ actual cost of processing debit transactions, and NRF earlier this year urged the Federal Reserve to set the cap at a lower level. The Fed has estimated banks’ actual cost of processing debit transactions at an average of only 4 cents.

An NRF survey conducted last weekend found that 89 percent of consumers responding said the cap should be left in place.

NRF is the world’s largest retail trade association, representing discount and department stores, home goods and specialty stores, Main Street merchants, grocers, wholesalers, chain restaurants and Internet retailers from the United States and more than 45 countries. Retail is the nation’s largest private sector employer, supporting one in four U.S. jobs – 42 million working Americans. Contributing $2.6 trillion to annual GDP, retail is a daily barometer for the nation’s economy. NRF’s This is Retail campaign highlights the industry’s opportunities for life-long careers, how retailers strengthen communities, and the critical role that retail plays in driving innovation. NRF.com

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How to Overcome a Financial Setback

Successful personal financial management is a delicate balancing act. Not only does daily spending require you to make the most of your household resources, but you are also vulnerable to unexpected expenses. Effective budgeting and spending discipline keep you on track under normal circumstances, but what’s your best approach when major expenditures hit out of nowhere?

Unfortunately, even the best financial planning cannot account for future spending. As a result, cash flow falters when extraordinary costs set in. Home repairs, health emergencies, employment irregularities and other financial challenges are beyond your control, but there are steps you can take to soften the blow when hardship strikes. In fact, you can start hedging against financial distress today.

Maintain a Household Emergency Fund – Though it is easier said the done, at times, the importance of maintaining back-up resources cannot be overemphasized. Even if you can only manage to set-aside a small deposit from each paycheck, you’ll be better off when financial setbacks arise. Whenever possible, use automated withdrawals to ensure your emergency fund grows over time. And always sequester the money from your regular household cash flow, to minimize the likelihood you’ll spend it on bills and groceries. More than one-quarter of Americans don’t have any savings reserved for a rainy day, so you are not alone if your resources lag behind ideal financial health. Fortunately it is never too late to start contributing to a household contingency fund – and though rates are low, your savings will grow as it gains interest.

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Use Credit Discretion – Borrowing enables lifestyles we’d not afford without outside funding. Homes, cars and other major purchases would not be possible without financing, which also extends to day-to-day purchases. Protecting your positive credit rating is an essential aspect of your personal financial health, giving you access to financing when it’s needed.

Credit card accounts, loans, and other important credit relationships are especially important during periods of financial distress, when cash flow interruptions can occur. Personal loans and other forms of short-term financing, for instance, fill the gap when financial distress muddles your monetary outlook. If a loan is needed, compare rates and terms online, selecting repayment terms you can afford. The key to moving beyond a temporary financial setback is maintaining discretion, so your debt remains manageable as you stabilize cash flow.

Earn More – Each person’s budget is unique, but managing personal finances always boils down to balance. To achieve long-term financial stability, your outgoing spending obligations mustn’t exceed your income. Maintaining a balanced budget ensures daily expenses are covered and creates surpluses, which can be invested for the future. If your household budget consistently falls short on the supply-side, there are only two ways to achieve equilibrium. Either cost-cutting measures can be used to bring expenses in-line with income, or you can bring in more money, to offset the shortage.

Earning more is not a novel concept – most wish their bosses would share greater wealth. Salary increases aside, there are other creative ways to make more money.

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Consulting Opportunities – Provided there is no conflict of interest with a current or former employer, shopping your expertise may result in added income. Retirees with decades of experience are particularly well-suited for part-time consulting employment. Your creativity is the only limitation, so put your skills to work for hire. Accounting specialists, for instance, commonly prepare tax returns to earn extra money during the filing season. And teachers serve as tutors, during summer months, to add cashflow.

Hone Your Skills – Marketability is closely tied to income, so expanding your skill set may be all that’s needed to raise your earning power. In fact, some employers pay for training, so moving to a more lucrative position is often possible, without changing employers.

Spend Less – Money saved is like added income, so when financial difficulties arise it is essential to measure every purchase. For help enduring hard times, redouble household budgeting efforts, with an eye toward reducing waste. By tightening up energy use, grocery spending and travel costs, you’ll see immediate savings and feel as though you’ve earned a pay raise.

Unexpected financial hurdles are a natural part of personal money management. While these short-term difficulties can set you back, there are steps you can take to head-off lasting problems. Your chances are best with an emergency fund in place, to draw from when costs arise. But even when financing is required to get back to firm ground, affordable funding is available to meet your need for cash. Use it wisely, or better yet, establish a supplemental income stream to fortify your household earnings.

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Create and Maintain a Budget

The first step to avoiding the troubles of financial debt is to create and maintain a budget.  It’s not as intimidating as it sounds, don’t worry.

First off,  create a list of all your monthly income and also a list of your monthly expenses.  When determining income, list all sources including alimony, child support, side jobs, etc.  In calculating expenses, be sure to include housing, food, transportation, utilities, entertainment, etc.  To gain an accurate reflection of actual expenses, sit down each night and write down expenses, just make sure to save receipts.  Determine if your income covers all of your expenses.  If the answer is no, then some expenses need to be reduced.

Adjust expenses.  If it is a small discrepancy, it may mean reducing some minor expenses like entertainment or cell phone plan.  If the deficit is larger, you may need to downsize your vehicle or living arrangements.  If your income covers all of your expenses, you still may want to trim some of the excess fat off your spending habits.  This can free up extra money for things such as vacations or college funds for your children.

Additionally, consider if you need to add new categories.  Some areas that are often overlooked are debt reduction, emergency savings funds, and retirement savings.  An emergency fund ensures there is an adequate amount available to cover unforeseen events (car emergency, etc), should it arise.  This will eliminate the need for using credit which can quickly damage your budget.

There are several advantages to sticking to your budget.  Firstly, most people have set financial goals that they would like to reach in the future.  Sometimes it may be a trip, a brand new car, or a college education.  A budget can help people save money to make these goals a reality.  Additionally, many people are crushed under heavy consumer debt.  Without a disciplined pattern of spending, it is virtually impossible to make much headway in reducing debt.  A personal budget will provide the necessary framework to begin eliminating these inflated account balances.

If executed properly, a budget will allow a person to simultaneously meet their expenses, place money into savings, and pay back outstanding debts.  Therefore, it is anyone’s best interest to create and implement a budget.

Cut Back on Spending

At first it may seem difficult to limit spending and stick to a budget, however there are a few practical changes that you can make everyday that will cut your spending more than you expect.

Firstly, alter credit car behavior.  Start to pay cash whenever possible.  This will help you avoid making a purchase unless you actually have the money available.  If you decide to make a credit card purchase, be prepared to pay the balance off monthly.  This will save a lot of money through avoiding interest charges.  If you already have a credit card balance, then transfer to a card with a low interest rate.  Also, find a card that does not charge an annual fee.

Another tip is to pack your lunch everyday.  All of those lunch hours spent at restaurants will add up.  Bringing your own lunch can save you several dollars every day, which will add up over time.

Use your cell phone during off peak hours.  Some people will spend a couple hundred dollars a month on phone charges.  Avoid this by making most calls during off peak times.  Check with your service and plan to find out when you have cheaper or unlimited calls.

Stop throwing away the Sunday newspaper before skimming through the advertisements.  Clip some of those coupons and check out the sales.  This may seem tedious, but the savings are often worth it.  Many stores will double or triple the amount of the coupon.  This technique can save you up to 20 or 30 dollars each time you head to the food store.

Additionally, refinance.  Mortgage rates have been extremely low over the past year.  This has been a great opportunity to reduce the monthly house payment significantly.  If you are planning to have your house paid off prior to retirement, then you may want to factor this in before refinancing.

Finally, bundle your insurance.  Many insurance companies will offer their customers lower rates if they purchase multiple policies.  For instance, some people use the same agent for multiple cars, and others combine their cars and house.  Always keep in mind that a dollar here and there really begins to add up.  Avoid the temptation of thinking that changing your spending habits wouldn’t save that much money.

Start Saving!

So you are loaded down with bills to pay each month and are wondering how you can begin a savings account for emergencies and other high-expense endeavors.  In other words, where can you find that extra cash to put away for later?
Firstly, when configuring your budge, plan for your savings first.  You will grow richer each month if you begin to pay yourself first.  Before paying any bills, decide on a set amount that you will pay yourself first—maybe five or ten percent—or whatever you decide—of your paycheck.  Then, deposit the amount into a savings account before paying any bills.
When you do this at the beginning of the month, your entire paycheck will not suddenly slip through your fingers.  If you wait until the end of the month, there may be nothing left to save.  Paying yourself first will give you a systematic way to make your money grow.  Regardless of your profession or your income, this system will work if you stick to it.
Another technique you may try for saving money is to empty your extra change into a coffee can or a jar each day.  At the end of the month, roll the coins and put them into your savings account.  You may be able to save 30 or 40 dollars each month just with your spare change.
Remember that good money management is more than just a mathematical formula.  It’s too closely tied with the ups and downs of living to be just that.  Your money management plan is always subject to change if your life situation changes.  The object of a good budget is to make your money go the farthest in helping you reach your goals, it is not there to force to you to abide by rules.
Don’t get discouraged if the budget plan doesn’t work perfectly right away.  It may involve some revising and editing until it fits your needs.  Then, make sure to review it often, and be sure it is making the best use of every penny!  Because we know how helpful those spare pennies can become.

Avoid Spending Pitfalls!

With all the advantages that are evident from personal budgeting, it is no wonder that more and more people are relying on them to reduce debts and increase their savings.  However, all ‘budgeters’ need to be careful to avoid some common pitfalls that appear often.
Credit cards may seem like small pieces of plastic, however they can cause a great deal of trouble for the owners.  It is common for people to make unwise purchases, which they would have avoided otherwise, because they had the credit card in their wallet.  The best solution for many people is simply to get rid of credit cards and begin paying only by cash, check, or debit cards.  You may want to keep one card handy for emergencies, but it is probably best to keep it out of reach, and far away from your wallet.
Another problem with budgeting is impatience.  There are financial goals set, but people do not have the patience to complete a savings program.  For instance, an individual begins setting aside money for a new car; however, after a few months they discover the car of their dreams.  Rather than waiting, they make the purchase.  This could pose some serious financial strains.  Discipline is a must to prevent impatience from breaking your budget.
Once a person makes a budget, they often fail to adjust it when necessary.  A budget is created using a set of expenses and income figures that are liable to change.  As these figures do change, it is important that the budget changes to reflect the adjustments.  There could be some major deficits if this is not done appropriately and promptly.
Of course nobody forgets about Christmas or Hanukkah, however many people do not consider budgeting for holidays when creating a budget.  Therefore, adequate funds have not been set aside for presents, food, parties, etc.  These items should be factored in and saved for throughout the year.
Finally, many people factor in transportation and accommodations for vacations in their budget, however they underestimate money needed for food, entertainment, and spending money.  Keep in mind that all the resorts and tourists areas are double or triple what you would normally pay.With a little planning, you’ll be on your way to saving more money than you ever thought possible!

Easy Money-Saving Changes

One of the most obvious and easy ways to save some extra cash is to change some of the way you use products and items in your everyday life.  The key is to make minor changes.
For instance, always buy the cheapest hand soap you can find.  The quality doesn’t necessarily go up with the price and you can use it in place of ‘bath soap.’  Always use the whole product.  Turn bottles upside down and drain to get the last bit from them.  Tear open sugar and flour sacks to get everything; squeeze or cut open tubes to use it all before running out to buy more.  You’ll be surprised at how much there really is left!
Also, never use more than you need.  Just because it says on the box that you need a full cup, doesn’t mean that you really do it need it.  Half a measure of laundry detergent and a half teaspoon of dish soap are examples of what are usually enough, rather than what the manufacturer says.
To save some cash, you can use some of the things in your house in some unique ways.  Instead of spending lots of money on the fancy floor cleaners, try using ammonia.  It does a great job, and you can use plain water in between times.  If your furniture needs some polishing, mix equal parts of white vinegar and vegetable oil and rub on the furniture.  Buff with a cloth until it shines.
For a freezer bag, use empty chip bags and close with masking taps.  Also try a bowl with a lid, such as a margarine tub.
If your skin is feeling a little dry, there are several substitutes for expensive lotion.  Petroleum jelly rubbed into your hands at night after a warm water soak, mayonnaise (rinse w/ cold water after), or any other oil based food.  Just be sure to put it on immediately after your hands have been in water.
To save some money on laundry, dissolve a bar of handsoap in water to replace laundry detergent.  Add three gallons of hot water, mix thoroughly and add a cup of washing soda.
Sure, these are small changes, but added up, they can put some extra change into your pocket throughout the year.
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How To Get Fit On A Budget

Getting into shape is important if you want to live a long and healthy life, but if spending hundreds of dollars every year at the gym doesn’t appeal to you, there are some super intelligent ways to get fit on a budget –– and it won’t cost you a fortune.

Cardiovascular Fitness At The Core Of Getting Fit
This fat burning method is easy on the wallet because it involves you running or walking without having to invest in heavy-duty equipment. In summers, it’s easy to jog through a park or jogging track, allowing you to breathe in the wonders of nature, as your body gets fitter. But it isn’t that easy in winter with snow-laden roads and sleet-covered surfaces. Treadmills present an ideal and cost effective solution for fitness enthusiasts who want to retain their workout without compromise.

Choosing a treadmill can be daunting because you need to factor in several details before making a decision. Treadmills today come with a myriad of features like LCD displays, programmed workouts, built-in speakers, built-in screens, safety components, USP plugins, digital screens, shock absorption, heart rate interactivity, custom programs and much more. Working out what you require from a treadmill will help you choose the right model for you. Treadmills are an extremely cost effective choice in the long run because of their durability and resilience, helping you stay fit without having to spend money at the gym.

Dumbbells and Weight Training
Apart from cardiovascular training, you’ll want to keep your muscles firm and supple. You can get a few pairs of dumbbells at relatively cheap prices, so you’re unlikely to spend much on them. Use them for building some muscular strength together with your cardiovascular routine.

Water For Hydration and Food For Healthy Nutrition
Drinking water instead of sports drinks and sodas will make a significant impact on the amount of calories you intake, so be sure to remain hydrated throughout. Water is free and comes with a multitude of benefits to help you in your weight loss and fitness regimen.

Apart from drinking water and exercising, your food intake will also need to change to keep up with your fitness routine. This means getting rid of fried foods, desserts and red meats. You will need to replace these with healthier fruits, vegetables and lean meats to stay healthy and fit. Cooking healthier meals won’t cost you a fortune. In fact, think of all the money you will end up saving when you stop eating junk food all the time. And your waistline is bound to thank you for it!

Saving Money By Making Healthy Choices
Did you know that staying fit can actually save you some money? You’re probably wondering how. Instead of driving to work or taking public transport, you simply need to walk or cycle. Not only is this workout healthy for you, but it will also help you save money on gas, apart from helping the environment. That’s a triple win for you!

Getting fit on a budget is a great way for you to improve your health without having to spend a fortune on your fitness. Follow these simple strategies and feel like you’ve got a new lease on life!

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4 Ways of Budgeting Your Home Like A Business

financial-freedomAre you always falling behind in your bills?

You can’t find any money after payday?

You’ve thought about using your credit cards or taking out a loan just to keep food on the table?

This article can help you then to get you into the mindset of thinking of running personal finance affairs and your home like a business.
If you do that and run your home or personal finances like a corporation does. Your life will become much easier and you will find money and resources you never knew you had.
You say you don’t know how to do those things. Great! Then you will learn some new skills along the way.

I will offer up a simple solution and 3 optional plans A, B, and C you can follow if you so choose. Each will do the job with varying degrees of sophistication and costs.

You need a model to work off.
The simplest way to run a household or a business is to have a model to work from. To most people that means a spreadsheet.

You can get many templates to do this from the internet like:
http://search.tb.ask.com/search/GGmain.jhtml?searchfor=Budget+Templates&st=kwd&ptb=B0C0ECB1-B2AD-4936-9982-795046EA24C5&n=780c1eb4&ind=2014060212&p2=^AIC^xdm069^YYA^us&si=CMmClP2N2b4CFQVqfgod2QoAcw

You can then do it way millions of other people are doing their finances. You could also do it with a ledger, which is the way it has been done since Dickens’s day in”A Christmas Carol.”

I prefer a third alternative and that is to use multiple notebooks I call:

Plan A: The Economy Approach

Notebook 1 – General Ledger – Money in Money out.
Notebook 2 – Home Inventory – Items – Value.
Notebook 3 – Code #s to define your activities in your life and home.
Order book – Keep track of exactly where all the money is going by order #.
Notebook 4 – Keep Track of your time.

In the Business world, this would be called 100% activity reporting.

You are forced to:
Inventory your Assets and Codify your activities.
You discover where your money and resources are going and what you really have available.
By tracking your time you find the time thatyou are wasting. and thus allows you to budget and conserve it.
Time lost can never be replaced.

At first, it will be awkward and your family will not be happy with it or you.
But, stick with it and it will become automatic.
You will then start to discover where things can be cut and reallocated to save time and money.
Plan B: A Simpler Method

Plan B would be considered the midsize version. It has more options, is simpler, and has absolutely everything you need.

It’s called Business in a Box. Yes, I know you are working on a home budget. But, a home is a business and so is your life and job as well. After 2008, everything has changed and it is time for you to change to compete in a tougher market economy.

Business is a box is 1300 formatted forms that are used to start a business. One of the first forms is a home budget all ready for you use and fill in. In fact, in the older version I own, I used to actually run a business and I only used four of the forms under General Administration. This package will get you into business habits that run a successful home as well as a business.

Here it is for you to look at:

http://www.business-in-a-box.com/fr/docs/?q=document&a=buisiness-in-a-box&s=google&c=frtop&gclid=CIeC3rzm6b4CFQhqfgodRG0Akg

But, there of course is Plan C to consider.

Plan C: The Full Sized Option
My Ultimate Solution to running a home budgeting was to automate everything and here is how I did it.
I had my boss way back when order me a copy of QuickBooks Pro and I created amulti-million dollar computer network for her using it to plan, budget and order hundreds of servers and support systems.

I have since bought and used it formy home and personal consulting businesssince 1996.

I mean Pro not the checkbook or any of the cutdown stuff. If you are going to run a professional business or a home your can’t skimp. Here it is:
http://search2.quickbooks.com/quickbooks-a?gclid=CNuCtvHx6b4CFZRffgodBEoAVQ&cid=ppc_G_Exact_US_QBDT_US_B_QuickBooks Desktop_Exact_Tier2_G_S_quickbooks pro_txt&ef_id=Uzz26wAAAVDmZBqd:20140608084534:s

The neat thing is you can download it for free and play with it to see if everything I am going to tell you nest is crazy or not.

When it comes up, it will ask you for name and business name etc…

What you want to do is select a service business with the product option. You will get a bewildering number but keep those two options in mind.

This gives you the ability to enter services and products into an inventory.

Now you have options to fill in budget information, which is then indexed and codified for you. (See simpler already). It now also will maintain your banking and inventory of household goods and activities.

This is why I said choose both options. You now have an automated system that runs your home just like a company.

House repairs become Job proposals and job orders with estimates that print out. You now know how much a new pool will cost out, as it becomes a job order. So planning becomes a snap.

Time tracking becomes automated as well. You will start to see where you could again reallocate your time to get things down and not have to rob Peter to pay Paul.

We used to call that the 7Ps. Look it up on the internet. http://en.wikipedia.org/wiki/7_Ps_(military_adage) It is just as true now as when I was serving my country.

You now have Plans A, B, C that can handle any Home budgeting need you will ever have to face.
Your home will start to stabilize and if you should desire it, you could quite easily explore actually running a home based business, as you will already have developed many of the skills needed by running your home like a business.

I would call that an education that is worth the price and a Win-Win for you and your family.
Run your home like a business, you will have more money, free time and peace of mind knowing that you are doing the necessary things to guide your home safely and have it survive in these uncertain waters of the 2nd decade of the 21st century

Your home will start ot stabilize and if you should desire it you could quite easily explore actually running a home based business as you will already have developed many of the skills by running your home like a business.

I would call that an education that is worth the price and a Win-Win for you and your family.

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Automobile Finance Places Yourself On The Key Gear Although Obtaining A Auto

budgetingFast vehicle on open streets. It’s a ideal picture for just about any auto enthusiast. However, you must see your perform as well as drop your children to college. This is actually the genuine picture for many people. We have to need to conserve time whenever we have no. An average person has so lots of odd jobs to total that the automobile can, without getting doubt, facilitate their accomplishment. Financing your vehicle doesn’t suit your concept of how of having your automobile then probably you’re still tied to standard vehicle getting methods. Shed your hang-ups in regards for auto financing because it unquestionably keeps in ideas your economic quality right before decorating you having a vehicle finance loan. Vehicle financing has had a brand new spin regarding delivering investment to get a vehicle. So, how can you finance a vehicle? If the question leaves you baffled, then you’ve to visit a extended means by the way of getting a automobile

The saying ‘financing’ with regards to purchasing a automobile connotes either rendering loan to buy the car or lease the car for you. You’re possibly focusing around the former meaning. Several people are towards speaking auto finance from car dealership for this appears just like a hassle-free choice. It seems easy you select a automobile, complete a credit application, and drive away together with your automobile – all inside a day’s work. Automobile finance through car dealership provides you with auto finance on weekends as well as at nights when other financial institutions and lending institutions are closed. Seems hassle-free, is not it? But there’s a catch. The dealership is going to be certainly charging you more for the auto finance. Usually vehicle customers are overcharged by three% on their own vehicle finance. An incredible quantity of complaints about vehicle financing are connected to sellers. % APR isn’t just appealing but fishing lures the customers to get up auto finance not meditation if it’s achievable on their behalf.

You will find quite couple of people that can really obtain a % APR. Therefore vehicle finance deals generally fall half way therefore making vehicle finance encounter an very distressing one. You are receiving a brand new automobile and perhaps the very first time, you surely would like it to compliment your enthusiasm. You will find handful of elementary factors that wish to be stored in ideas in front of by taking your critical primeval stage in auto getting. First of all in vehicle buying and financing is checking your credit rating prior to applying for a car loan. Lots of people are not aware from the simple fact they actually have a credit rating. You are able to expediently test out your credit rating online. So, for those who have a bad credit score historic past then possibly you’ll be having to pay out much more rate of interest for the auto finance. In case your credit rating drops below 550, then probably make an application for new auto finance isn’t this type of an excellent idea. Initial repair you credit rating. Repairing credit rating requires minor effort, can help you pay back your financial troubles and retain your credit history.

On the internet vehicle financial institutions can enable you to get vehicle finance loan even when your credit rating is gloomier than essential. Your auto finance loan could possibly get approved within a few minutes. Online auto finance firms have totally changed automobile finance method. With cheapest online vehicle finance prices, no application costs, or lower obligations vehicle finance companies give a formidable rivals to auto sellers. Vehicle finance organizations have set an ordinary for offering vehicle finance that’s worth choosing for. 70% of automobiles are acquired by a few number of financing. You may also finance a utilized vehicle. The process is as easy and undemanding as financing a brand new automobile. The essence to acquiring the correct automobile finance is undertaking to analysis regarding your number of automobile. Details are energy you need to be awake for this time tested logic. When a lot data frequently is available, then why don’t you take advantage from it.

Discover how your vehicle expenses by evaluating prices with nearby sellers. Quite decisive, is cognizing how substantially, you really can afford. Calculate, you every month revenue and subtract your normal month-to-month expenditure to discover out how substantially you really can afford on the every month basis. Compute very carefully, otherwise you’ll find trouble in paying back your automobile finance loan. And also you certainly don’t wish to fool near to together with your payment plan because of the very fact a good deal is on the line. You are able to search for totally free advice for your own automobile finance on the internet through lending institutions and loan institutions. You’re a vehicle enthusiast, a auto customer, a just an individual who needs a vehicle you need to drive the very best vehicle.

Why is this so drive the best vehicle, when you can get the best vehicle finance plans. Vehicle financing is really a transparent route leading you to definitely come to be a vehicle owner. Vehicle finance financial loans are usually quick phrase financial loans varying from 36 to 72 several weeks. Short term term imply, decrease rates of interest and can be cheaper. You’ve been functioning hard to find the automobile you would like there’s an extremely excellent chance that you’d not need to work so difficult for vehicle finance. So, relax release up and understand the ride.

I recommend anybody thinking who’ll http://world wide web.dealerbid.co.united kingdom to make use of the money 4 cars comparison site dealerbid.co.united kingdom united kingdom

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