Pennysaverblog – Page 203 – Smart Finance and Money Saving Tips

4 Simple Ways To Reduce Your Daily Expenses

Are you like 90% of North Americans who spend more than you should each day? If so, then there are ways to get away from doing that. What most people don’t realize is that reducing your daily expenses is much simpler than reducing expenses on a monthly scale. The reason for this is because you can quickly see what you are spending when you evaluate it on a daily basis as opposed to waiting for an entire month. Besides, if you can learn how to cut down on your daily costs, you can actually save for bigger and better things such as luxury skiing holidays or tours through Europe. Just imagine what you could do with your money if you were willing to follow these tips below.

Eat In – The first thing that you need to do in order to save money each day is to eat in. The majority of people eat out for lunch and dinner and it is here that they spend about 20% of their entire monthly income. What you should do is make a list of all the things that you want to eat during the week and then go to the grocery store and get it before that week. By doing this you will have everything you need to save money each and every day.

Don’t Take Cards – By taking a credit or debit card with you when you go out you will spend more money. The truth is that people that don’t see cash leaving their hands are more adept to spending the cash that they can’t see or touch. This is why all cards are bad for people who have difficulty saving their money.

April 29, 2013

Shopping

5 Tips For Playing It Safe When You Shop Online

Everyone knows that the Internet can be a dangerous place when you are shopping online. No matter if a particular shopping cart says that it is secure, it could be a scammer trying to take your hard earned money. In fact, statistics say that 14% of all transactions end up costing somebody their money or their identity. However, most of the time, if you take the right precautions, shopping online can be as safe and secure as shopping at a local retailer.

Here are 5 tips for playing it safe when you shop online:

If you feel like a site might be a little suspicious, pay with your credit card and not your debit card. With your debit card a thief can empty out your entire checking account. A bank might give you part of the money back, but because it is essentially cash you can possibly lose a lot of it; this can be extremely unfortunate if you have a lot of money in your account. With credit, you can usually report it as fraud and not have to pay that portion of the bill when your statement comes at the end of the month.

Make sure that the website is a secure shopping site. There are a number of ways to find out if a site or the site’s payment gateway is secure. For one, there might be a little lock at the bottom of the screen that connotes that the site is secure. There might also be a symbol in the URL bar that will ensure that the site is secure and won’t record any of your personal information for later use.

April 29, 2013

Money Saving Tips

Do You Use A Home Phone?

It has become more and more common these days for people to get rid of their home phone service and opt for using cell phones. Many also take advantage of free phone services such as Skype, especially when they want to make long distance calls.

Whether you are looking for 0844 telephone numbers or you just want a basic package – you may be wise to discontinue your home phone service if you still have one. There is no point in doubling up your phone costs by having both services unless you truly need them.

Many cell phone packages offer long distance plans, and if yours doesn’t, or it’s too pricy, you can always use Skype or another of the free online phone services that are available, assuming of course that you have Internet service at your home.

April 27, 2013

Money Saving Tips

Ways To Reduce Your Moving Expenses

When it’s time to move to another house or even another area of the country, although the transition of entering into a new season of life can definitely be exciting, if there’s one thing that no one really looks forward to (and may not have created a budget for either), it would have to be incurring additional moving expenses. Although it is one more expenses that can be quite a bit of a pain, you can save a substantial amount of money by simply being prepared.

Below are some tips on how you can make moving much less stressful by making it as inexpensive and as smooth a process as possible:

Learn about your local moving companies. Whether you’re moving to Spain and need to research removals to Spain, or even if you’re moving a short distance, you may end up paying more than you had to if you would have simply done a Google search and looked up the moving companies in your area. So, spend some time looking at their hourly rates and mileage rates and comparing them with other companies. That’s a better way to get a good price. Also, it’s good to know ahead of time that movers tend to charge more money during the summer, on the weekends and during the holiday season. So, if there’s any way that you can move around those dates, you’ll be glad that you did. If you’re not moving far, don’t be afraid to simply ask friends and family members to help you move. They will likely be glad to help you out and this route will save you a lot of money.

April 27, 2013

Money Saving Tips

Cheap Ways Students Can Store Their Stuff

Many students are not able to live with their parents while attending college for a variety of reasons. So, they often are left with the dilemma of how and where they should store their stuff once the school year is over. Below are just a few ideas that will help make student storage a little easier and more affordable.

Ask around. If you have a friend or family member living in the same city as you, ask them if they have some room in their basement or a spare bedroom that you can use to store your stuff until the school year begins again. Many people won’t expect payment for this, but still make sure to offer.

Check the local newspaper. Some people will put an ad in the paper to let others know they have storage space in their homes or offices that is available for rent. If you do see an ad, don’t be afraid to negotiate with the seller regarding their price. Most people are quite flexible and willing to accept a lower amount than they asked for.

April 26, 2013

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