by Guest on January 13, 2012
Getting Fit—It’s one of the major new year’s resolutions most American’s have added on their list of things they’d like to achieve in 2012. But getting into shape doesn’t come cheap. Unless you already have a nifty home-gym installed in a spare room, you’ll most likely need to get a gym membership. But after all of the fees are accrued, you can end up spending a wide sum of cash just to get that slim waste. But luckily there are a few ways you may be able to cut back on gym membership prices to get the body you want. To learn how, read the few tips below.
Learn to be A Negotiator. One of the easiest ways to get a gym rep to give you a membership price within your budget is to simply ask for it. Don’t say—”I only want to pay $20 a month,” rather tell them that another gym offered you a gym membership for a much lower price. They may call your bluff altogether in which case you’ll want to shop around for a more affordable gym anyway; but they may give you your asking price or keep the original price but compensate you in some other way—for example, you may pay a reduced enrollment fee or get to add on another member (like a friend or family member) at a really cheap rate. But since technically the year is new, hopefully you’ll find a gym that is already offering a phenomenal New Year’s Special—some have been seen as low as $10 a month.
[click to read…]
by Guest on January 9, 2012
With this recession biting hard, there are plenty of money saving tips and personal finance type articles around the place – but what if “eating out less” and “walking more” just isn’t enough for you? If you want to be a money saving queen (or king) you need to dig deeper.
Here are 5 seriously tightfisted money savers for people just like you:
Trim Your Christmas Gift List
Some people feel like they have to buy Christmas gifts for every cousin and their kids – this really isn’t true though. Rather than wasting money on cheap presents which will probably not be missed anyway, why not downsize your gift list, spend a little extra on the ones that matter and pocket the difference?
[click to read…]
by Guest on December 23, 2011
Think off campus when finding cheap alternatives to the campus bookstore
If you’re a college student you already know that textbooks cost a small fortune. Textbooks can cost almost as much as tuition, according to a study from the Advisory Committee on Student Financial Assistance, which shows students paying an average of $1000 or higher per year for books. However, that’s only for suckers who decide to buy their assigned reading from the campus bookstore. There are other ways to find cheap textbooks
, for instance, you can buy used textbooks, photocopy textbooks or even rent your textbooks. Just let that creative student brain think outside the box—or rather outside of the campus box—and look for the following money saving alternatives to buying textbooks for college on campus…
[click to read…]
by Guest on December 13, 2011
Unless we are unemployed, self-employed, or choose to telecommute, most of us have a physical commute that we undergo daily as we move from our homes, to our place of work, and then back to our homes again. As online calculators that assess your commute can show, the trip back and forth every day can be a costly one – especially if you drive a car. While there are certainly many factors to take into account, a person who commutes 10 miles to work and drives a car with average gas mileage can expect to pay over $200 per month on commute-related costs. This includes primary expenses (gas) as well as more peripheral ones (car maintenance). It does not include the cost of a parking pass at your place of work.
On its own, therefore, your commute can be similar to the cost of a home loan in the long run. For most people, this is simply an accepted fact of life; you need to commute in order to receive your paycheck, after all, and most Americans do not have easy access to mass transit.
That being said, if you’re looking to cut costs and you have the ability to explore other modes of transit, you may want to consider forsaking the car for a more budget-friendly (and environmentally-friendly) means of travel. Here are your options, broken down by cost: [click to read…]
by Guest on December 2, 2011
With the days getting shorter and Christmas right around the corner, there’s no denying that the winter season is close at hand. If you live in the South, this may just mean some damp weather, an occasional jacket, and a greater number of cloudy, gloomy days. But for those of us in the North, winter means snow, cold, and ice – and the expenses that go along with such weather-related extremes.
[click to read…]
by Pam on August 26, 2011
When you attempt to save money by eating out less, bringing your own coffee to work, etc. make sure that you are putting that money you are savings towards something that will accomplish long term results for you. For example, if you cut out your daily Starbucks run and end up saving $120 per month, direct that $120 each month into your retirement savings account or pop it onto your mortgage payment. By doing so you will be enjoying the effects of compound interest in your retirement account or you will be greatly reducing your interest costs on your mortgage resulting in paying off your house much more quickly. By making your savings work harder for you, you will greatly impact your financial future.
[click to read…]
I recently received an email from a reader with a link to an excellent graphic she created about big money wasters. Although the data is based on how Australians spend (and waste) their money, it is safe to say that Canadians and Americans also waste their money on the same things. Some of the numbers may be really surprising, and by sharing this information, hopefully it will help us all to make more informed decisions and lower our wasteful spending.
[click to read…]
Getting Fit—It’s one of the major new year’s resolutions most American’s have added on their list of things they’d like to achieve in 2012. But getting into shape doesn’t come cheap. Unless you already have a nifty home-gym installed in a spare room, you’ll most likely need to get a gym membership. But after all of the fees are accrued, you can end up spending a wide sum of cash just to get that slim waste. But luckily there are a few ways you may be able to cut back on gym membership prices to get the body you want. To learn how, read the few tips below.
