You’ve tried to make a budget and stick to it, recording your expenses and income on a spreadsheet and keeping track of your spending. However, you still seem to always end up with more month than money. Where does it all go and what are you missing? Budgets are not easy to keep and there are many things that you could be doing which are unintentionally ruining your best laid plans. Here are a few of the top things which can get in the way of your goal to save money: Shopping When Hungry If you are in the habit of heading to the supermarket with a grumbling tummy, stop right now. … [Read more...]
Things You Just Do Not Need to Spend Money On
Are you spending your money on things which are completely unnecessary? If you are looking to save money and help your finances go further in these tough economic times, examine your spending habits and see if there are any needless expenses you can cut from your budget. Here are some examples of things that you really don’t need to spend money on: Shampoo and Blowout at a Salon Today I phoned up two nearby haircutting places. One of them was a trendy salon which said that they would charge $40 for a shampoo, haircut, and blow dry. The other was a budget haircutting place would said that … [Read more...]
Three Tips for Becoming More Aware of Your Spending Habits
It’s not how much money you earn that will make you rich; rather it is your spending habits. How aware are you of what you spend on a daily basis? Do you ever think you have a certain amount of money in your account and then realize that you have a lot less? Noticing how much you spend can be the first step to learning how to manage your money better. Here are three useful tips for becoming more aware of what you are spending: Use Cash There is something about credit cards and debits cards that make it much easier to spend more than you intend to, because you cannot actually see the … [Read more...]
Got Student Loans? Tips for Graduating Debt Free
Going to a university or college can be a great opportunity to obtain the education and qualifications you need to pursue the career of your dreams. However, many students find themselves under huge mountains of student debt after graduating, which will take years to pay back. Taking out student loans to go to college is not always necessary, and with a little foresight, hard work, and ingenuity you can get through your degree without having debt cast a shadow over your life. Here are some tips for graduating debt free: Don’t go to school right away. If you spend a year or two working … [Read more...]
Ka-Ching! Simple Tips for Trimming Down Your Grocery Bill
Do you gulp with fear every time you approach the checkout at the supermarket? Do you end up spending a huge amount on grocery shopping every week, yet only coming home with a few bags of items? It is possible to cut down your grocery bill drastically; you just need to know how to outsmart the supermarket and get more for your dollar. Here are some clever tips for getting the most food for the lowest price next time you go grocery shopping: The most important rule is: never go grocery shopping when you are hungry! Make sure you go after you have eaten, or your growling stomach will talk you … [Read more...]