Browsing Tag

Money Saving Tips

Shopping

Save Money By Doing Research And Asking Questions

My husband I recently purchased a D-Link gadget used for network storage. It was priced at $195.00 at the Future Shop located within a short driving distance from our home, but it was only $165.00 at CBIT, which is located across the city from us.

Before making purchases for such items, my husband does research online. He compares prices and quality of various brands to make sure he gets the ‘biggest bang for his buck’. Although we knew that it would cost more at Future Shop, we decided to print out the CBIT advertisement and see if Future Shop would price match, sparing us from having to drive across the city.

April 4, 2010

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.

March 5, 2010

Banking

How Your Bank Can Save You Money

If you think your bank is costing you too much money, then now is the time to look at ways your bank can help you save money rather than spend it. Although there will always be bank charges and fees, there are ways to save money using banks and make the most of their services. Here are some tips about how to cut down on bank costs and save yourself money.

Savings

One way to save yourself money through your bank is to open a savings account. If you have a fair amount of money in your current account, then transferring it to a savings account with a high interest rate is a good idea. Having a savings account does more than just save you money; it earns you money. The interest generated from a savings account means that you are making money from the money that you store. However, you should remember that many banks charge a fee if you go below a minimum amount in the account, so keep track of this in order to save yourself money.

ATM charges

Another way that you can save money when banking is to use free ATM machines. Some ATM’s charge you a fee to take money out, either for the convenience of because the ATM does not belong to your bank. If at all possible you should stick to ATM’s that don’t charge you money. If you do this regularly then you could save yourself ?100 a year or more.

March 1, 2010

Money Saving Tips

Expensive Habits To Break in 2010

If you take a close look at your current lifestyle, there are likely one or two habits that you have developed that have cost you a lot of money over the years. My challenge to you is to work towards breaking those expensive habits this year so that you can use that money for bigger and better things such as saving for your future, doing some home renovations, or taking a much-needed vacation.

I’ve listed below just a few of the many expensive habits out there. I’m sure you could come up with more of your own that you need to challenge yourself to overcome.

1. Unused gym memberships – There’s certainly nothing wrong with paying for a gym membership if you actually go to the gym regularly and make good use of it. Unfortunately, however, a lot of people don’t use the gym enough to merit paying for a membership. If you’re one of those people, I recommend canceling your membership and getting exercise by some other method such as jogging with a friend or family member regularly.

2. Specialty coffees – If you find yourself stopping at Starbucks every morning for your favorite specialty coffee, consider buying the mix and making a cup at home. You can bring it to work in a mug or thermos for a fraction of the cost.

3. Buying lunch everyday – Rather than throwing away your hard-earned money day after day by buying lunch at your work cafeteria, get into the habit of bringing your own lunch to work using leftovers from the night before.

February 27, 2010

Money Saving Tips

Stay Connected & Save Money With Skype

If you have loved ones that live far from home and talking on the phone just doesn’t cut it, I recommend using Skype. It’s a free software that you can download onto your computer that is free, easy to use, and the best part is that you can even see an image of your loved one while you chat. It’s like sitting across the table from the person you are chatting with; It really is the next best thing to seeing them in person.

Skype has been around since 2003 and since then many people from around the world have taken advantage of it. Skype can be used as long as both parties have a high-speed Internet connection. Although you have to pay for Internet, Skype itself is free. It sure beats having to pay outrageously expensive phone bills to talk to friends and family living overseas or even outside of your city.

February 19, 2010

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