Health & Beauty

Cutting Cost And Cutting Fat – How To Get A Discounted Gym Membership

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.

Continue Reading

Debt

How Online Cash Loans Can Be Used To Cover Funeral Costs

We often think of online cash loans as associated with our living costs, with good reason. Even the thriftiest can be hit with unprecedented unemployment, injury or illness that leaves them cash short. Instant cash loans are invaluable in filling short-term needs. However, did you know that online cash loans can also come in handy when it comes to paying for the cost of dying?

Funeral Costs

The standard cost of a burial in America is well over $6,000, even going as high as $10,000 or more. Good for undertakers and funeral parlors, but an unexpected blow to the families of the deceased who have to deal not only with their grief but also with the numbing cost of the funeral. Though online cash loans especially in United States are restricted to a maximum of $500-$1,000, it may turn out to be what you need to provide a loved one with a fitting farewell.

Continue Reading

General

You Never Know – 3 Unexpected Events That Can Impact Your Finances

So much of life is made up of unexpected adventures that we could have never foreseen. That’s part of what makes life so exciting, but it’s also what can make it so stressful and unmanageable. You know what they say: “Even the best laid schemes of mice and men oft go awry.” That’s definitely the case with finances, when months of savings can be blotted out by a single auto accident or personal injury. You never know when you’re going to get stuck paying a mighty deductible on an insurance claim, or when you’re going to need expert bail because of a case of mistaken identity. Planning for the unexpected can help you to better deal with a stressful situation when it arises. Here are the most common wrenches that can be thrown in the clockwork of your finances:

Continue Reading

Credit Cards

Help With Rewards Credit Cards

Welcome to 2012 everyone! How is your checking account looking with the holidays over? Mine took a hit, but all in all my traveling, gift buying, and family gatherings didn’t hurt too badly. How did I manage to get through this normally expensive time of the year? Aside from budgeting correctly my rewards credit cards helped soften the financial blow of the last month of 2011.

After reflecting on the gifts I bought, the travels I made, and the gatherings I attended here are my reward credit card recommendations for 2012!

The Approach

Continue Reading

Money Saving Tips

5 Super Stingy Money Saving Tips

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?

Continue Reading