Pennysaverblog – Page 162 – Smart Finance and Money Saving Tips

How To Pay Less For Professional Service

As many of you know it’s Father’s Day today. When I called my Dad to wish him a Happy Father’s Day, he shared with me ways that he saves money on various services he requires. This is what he does:

Rather than spending $110 per hour to have a mechanic take a look at his machinery (he is a farmer), he instead approaches one of the local retired farmer/mechanic’s in his area. This particular gentleman doesn’t want to take on any big jobs, and he only wants to work once in a while, but the key is, he enjoys the work and he has a lot of experience. So the retired mechanic comes out to my Dad’s farm, fixes the problem within one to two hours and only expects a good cup of coffee and maybe $20 for his time.

It’s a win-win in this case as my Dad gets great service for a very low price, and the retiree has an excuse to get out of the house, do what he loves, and socialize.

June 15, 2014

General

The Freedom That Only Money Can Give You

The importance of money in our life can’t be underestimated. It’s a necessity that helps us just live; buy food and clothes, move from place to place, enjoy different entertainment; travel and participate in numerous activities which all become possible once you have money at your hand. Aside from those factors which are strictly needed, there exist a lot of many other features that give flavour to our life making it rather colourful and enchanting, and even more stress the role of financial freedom.

The following tips will help you understand what I mean by saying financial freedom and what money can give you.

Freedom of Actions

The first and for me the most essential advantage of earning money is the freedom that it can give. This firstly refers to the freedom of actions. You can freely spend your money wherever and whenever you want without asking anyone. It is just a good feeling to have your own money and not to depend on others.

June 10, 2014

Debt

Using Your Car To Fix The Central Air Unit Of Your Home

With the summer months upon you, the lack of proper air conditioning can make you miserable. This mental state could affect everything from how you interact with the family to the choices you make in your career. Those that are unable to get a night’s rest can become irritable and irrational. This can all happen thanks to your central air conditioning unit being inoperable.

Many people are on strict budgets and are barely able to get by. Without the money to put into repairs, the home can become sweltering hot. Sure, you may install fans in the windows or an oscillating unit in the bedroom. However, there is a good chance that you’ll wake up in the middle of the night drenched in sweat and unable to get comfortable. Without the upfront cash to pay the repairman, how are you able to get your life back on track?

June 9, 2014

Retirement

Is Retirement All It Is Cracked Up To Be?

Most of us go through life dreaming of the day when we will finally retire and have the entire day to ourselves – every day – to do what we want with. But does it always pan out like this or can there be problems to deal with?

When you work full time and you feel as if you are constantly chasing your tail to get everything done that needs doing, the thought of retirement can seem like a haven – a dream to focus on for the future. No one wants to wish their life away but when you are busy you might look forward to your retirement as a time when things will settle down.

Unfortunately some people struggle to adjust to the big change that is retirement. Yes – while it gives you lots to look forward to it can still be a big shock to the system, especially if you haven’t taken the time to plan or think ahead. In truth retirement can be exactly what you want it to be – and it will unerringly follow the path you lay out for it. So will you plan for an active and engaging retirement you will really enjoy, or will you have a stressful time and struggle to adjust?

June 4, 2014

Shopping

Ways We Save On Groceries Every Month

Believe it or not, there are some easy ways you can save money on groceries. Here are a few things that we do to save:

1) We keep track of our grocery spending. We use a simple Excel spreadsheet to keep track of spending each month. That way throughout the month, we can double check how much we’ve already spent. This keeps us on track.

2) We check the online flyer for our favorite grocery store and make our grocery list according to the sales. Of course, we don’t buy things just because they’re on sale, but if the items are a staple we will make note of the best price and be sure to select that brand.

3) We buy two weeks’ worth of groceries at once rather than going to the store multiple times. We find this saves us a lot of money and time, too. If you’re going to do this, it is important that you eat the items that go bad fast first, and then save the longer lasting items until the second week. It won’t take you long to figure this out.

4) We use our Visa rewards card every time we pay for groceries. By doing so, we earn reward points that we can redeem for travel and other perks. We make sure to pay the balance in full each month so as to avoid any interest or late fees.

June 2, 2014

Older Posts

Newer Posts