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Money Saving Tips

Money Saving Tips

How We Saved $300 On Our Phone Bill By Using magicJack

We recently switched our phone company in order to save money.  In the past we have used Vonage, and for quite a while it worked really well for us and it was inexpensive compared to other phone companies offering service in our area.  Unfortunately, as time went on we found that the quality of our phone connection deteriorated and we also started paying more for our monthly phone bill.

So, we decided to try out magicJack.  We bought the device at Future Shop for $55 including tax.  It is really easy to set up, as all you have to do is plug the device into a USB port on your computer.  (You need a broadband Internet connection to use the service.)  Then you can either just talk through your computer, or, you can connect the phone cord directly to your regular phone.  We found that we get a better quality connection using the phone, and of course, it’s way more convenient, too.  However, when we are on the road, if we bring our laptop along, we could technically use our phone service, too, as long as we have access to the Internet.  This means we wouldn’t have to use our cell phone and we could avoid expensive roaming charges.

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Money Saving Tips

How We Saved Money On Our Wedding

There are so many ways to save money for your big day.  You don’t have to spend thousands upon thousands of dollars in order to make your wedding day special.  In fact, with the help of family and friends, you can have a nice wedding for much less than you might expect.

When my husband and I got married we didn’t have very much money to work with.  We both were in agreement that we were not willing to go into debt in order to pay for our wedding.  In fact, the idea never even crossed our minds.  To us, our life afterwards was much more important than our wedding day.

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Money Saving Tips

Read Books For Free And Sell Books You Do Not Need

Books can be really expensive, but the knowledge we can gain from them is sometimes priceless.  That being said, I am all about being a good steward with my money, so below is the process I follow when I want to read a certain book.

Whenever my husband or I learn about a book that we want to read, instead of going out and buying it right away, we check our local library database online to see if they have a copy available.  If they do, we put in a request online and we are notified when it is ready for pick up.  We do this for all the books that we only plan to read once.

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Money Saving Tips

Top Ten Excuses For Not Saving Money

We can all come up with excuses for not doing things we find distasteful.  For some people, saving money is like a dreaded chore and they make up all kinds of excuses in order to avoid saving.  Here are the top ten excuses for not saving money:

1.  I can’t afford to save money.  Actually, instead of thinking this way, you need to understand the importance of paying yourself first.  Before the bills get paid and you buy that new gadget that is being advertised on television, tuck away a small amount each month or each paycheck towards both your retirement savings and your rainy day savings.

2.  I want to enjoy the here and now and not worry about tomorrow.  There’s nothing wrong with enjoying the present, but you don’t want to do so at the expense of your future.  You need to make sure that you are properly saving for your future and not getting yourself so deep in debt that you won’t be able to dig yourself out.

3. I’m not good with money so I just can’t seem to save it. This is a money script that is harmful.  You need to change the way you think about money.  After all, money is just a thing.  You can be in control of your own money, it should never have control over you.

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