Pennysaverblog – Page 225 – Smart Finance and Money Saving Tips

5 Things You Can Get For Free On Your Birthday

We all love to get something for nothing and there’s no day of the year better suited to nabbing freebies than your birthday. You might be surprised to learn just how many businesses offer free fare to those celebrating the day they were born. But when you consider that going into any kind of shop will likely result in you spending money, especially if you have a birthday entourage with you, it make more sense. By offering you incentive to show up on your special day the business stands to make money they might otherwise have missed out on. Of course, this is still good news for you since you can definitely use the knowledge to your advantage when your birthday rolls around. Here are just a few of the dozens of types of giveaways you can get when celebrating the day of your birth.

Food, drinks, and dessert. There’s simply no way to count the number of restaurants, bars, and other food service establishments that will give you free fare when you come in on your birthday. But here are a few you’ll probably want to check out. You can start your day at Denny’s with a Grand Slam breakfast and then head to Starbucks for a flavored coffee drink to top it off (provided you’ve registered your Starbucks card and added your date of birth). For lunch you can head to El Torito for a birthday entrée and then wind up the night with food and amusement at a Benihana’s Teppan table (thanks to a $30 birthday gift certificate when you join the “Chef’s Table”) or Medieval Times, which provides a free feast and tournament to birthday boys and girls of all ages. And of course, numerous restaurants offer free dessert to patrons who come in on their birthday.

February 1, 2013

Shopping

5 Ways To Save Money On A New Computer

Shopping for a new computer can be a mind-boggling process. Technology advances so quickly that you’ll have a whole new vocabulary to learn if you’ve been off the market for more than a year. Yesterday’s ultimate laptop is today’s paper weight. On top of every other concern, computers are expensive–serious investments for most of us. If you’re on the market for a new personal computer, follow these guidelines to save money and get the best computer for your dollar.

Buy Only What You Need
When shopping for a new computer, the most important question to ask yourself is often the most neglected: What will you be using the computer for? If your computing needs are limited to surfing the internet, reading and writing emails, checking Facebook and writing the occasional paper, almost any computer made in the last 10 years will suit you just fine. Users whose computing delves into areas like graphic design, gaming, and other more advanced pursuits need more equipment. Take stock of what you need from your computer before you start shopping.

February 1, 2013

Budgeting

Top Tips For How To Maintain Control Over Your Personal Finance

In this tough and uncertain economic climate the average person’s job security is worryingly unstable. Combine this with an ever increasing cost of living that doesn’t truly reflect inflation rates and most of us are having more than one sleepless night worrying about the state of our personal financial affairs. However there are many steps that we can all take to ensure that we remain in personal control over our own finances. This article explores some of the best techniques to accomplish this:

Erase all your existing debt at once if at all possible.

Of course this is not always a possibility. However if you are one of the many people who happily live through their credit card overdraft you should balance that account immediately. Indeed it would be wise to deposit extra funds into any credit card account so you can still make emergency purchases with the card without putting the account into overdraft. This is important because it removes the risk of forgetting or not being able to pay off your outstanding balance at the end of each month, so should you lose your source of income you do not have to be concerned with the late payment penalty fees and the interest on your debt that will continue to gain momentum the longer it is unchecked.

January 31, 2013

Business

How To Trim Costs For Your Small Business

Running a small business is a constant balancing act. You may not have the same overhead as major corporations, but you also don’t have the massive budgets that allow them to operate from month to month without having to worry about whether or not they can pay their lease, their employees, and all of their other costs. In short, you need to plan carefully in order to make sure that you don’t overextend yourself. But since you can’t always count on your business to earn enough to cover costs, and your expenses can vary from one month to the next, you might be on the lookout for other ways you can hedge your bets. Trimming costs whenever possible is one good way to address your issue, and here are just a few tips to help you along the way.

Your knee-jerk reaction may be to move to a less expensive location or cut your headcount, but if your location is bringing in new business and you have enough work to necessitate your current level of staff, such decisions could end up being major mistakes for your business. Luckily, there are other ways you can cut your costs that won’t be so detrimental to your operations. For one thing, you might consider paid internships as a way to supplement your staff rather than hiring on full-time employees to attend to simple tasks like filing, data entry, and so on. This could help to reduce expenses while maximizing efficiency, and hence, profitability.

January 31, 2013

Business

The Financial Benefits Of Working From Home

Working from home is a dream for many, but some people are still not convinced of the many benefits of making a home into an office. For centuries, workers everywhere have been tied to traditional workplace arrangements–a headquarters to which all employees commute for work every day. This paradigm has worked until now, but it was born out of necessity, not out of ideal. In days gone by, a company’s staff had to work in the same place because there was no other way to communicate and access the company’s resources. Now that this is changing, working from home is becoming more financially attractive every day.

The most obvious financial benefit of working from home is the elimination of the daily commute. Workers all over the world spend countless dollars on commuting expenses every day. Whether you drive to work or rely on public transportation, you’re accepting a loss every time you hit the road for your regular commute. Money is not the only cost incurred by commuters–you lose valuable time on your daily commutes. Consider this: if your commute to work is one hour each way, you’re wasting two hours a day on the road. That’s ten hours for every work week, and an average of forty hours in a month. That’s a full work week of time vanishing every month. Imagine how much more productive you could be without that commute time cutting into your life.

January 31, 2013

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