Tips on Saving Money With a Newborn

Having a baby can be (and is, for that matter), stressful.  The crying baby in the picture was my first thought to start off this article as that what it seems to consume my life with now, having a newborn a few weeks ago.  So, while we adjust to our new family member, it is another mouth to feed and more expenses that will occur that will need to be accounted for.  Much like everything else in life, we try to save money the best we can, so same goes with having a newborn.

Clip Coupons!

It is suggested to clip coupons when you are grocery shopping, so why wouldn’t you do the same when it came for baby necessities.  You find formula coupons that will help to ease the burden if you are having trouble with breast milk.  One thing I have noticed is that Bed Bath & Beyond and Buy Buy Baby are owned by the same company, so they accept BB&B coupons at BBB, so that is nice, when if you are like me, receive them in my email or mail just about every day.

Seek Hand-Me-Down’s

Whether some friends and family stopped at one being enough, or maybe have another child not being the same gender and needing to clean house a bit as things get outdate and less need, you can probably get great hand-me-down items from those you are close to that can save a ton of money then having to buy your own.  We have neighbors stopping by giving us their old toys and accessories, so most are probably happy to not only free up some space in their home, but to also have their items to go be loved by the next.

Return Items from Baby Shower

Now this may sound like a selfish thing to do, but I’m not talking about taking the generous gifts you received from friends and relatives and turning them into cash, but there are always those few people that decide to buy something that is not on your registry because they think it is “cute”, and we all know that we don’t have the same taste as everyone else.  Hopefully the random gifts they got you were at least from the store you registered at, or a popular store with an easy return policy.

Luck Out with a Diaper Party

While a baby shower is typically for women (although the new trend is for couple’s showers), one of the popular events now for the father to be is to have a diaper party, usually planned by a best friend or close family member.  You can get the guys together for a night on the town, sort of like a bachelor party of sorts, with the only admission to the party is a case of diapers.  With most having kids by now, those are happy to pay with diapers for a much-needed night out, and those without kids are just happy to have all of their friends out at the same time.

You Must Have Auto Insurance – How To Save

Several Different Ways To Save

The best way to save on auto insurance is to be a female veteran with an absolutely clean driving record, a sound vehicle with only one owner, and good credit. But as you may have ascertained, this represents only one portion of the actual demographic buying auto insurance. If you’re not in this category, you’ll have to be creative.

First, you don’t want to take the first quote you get from the first agency you call. Geico and Progressive want to dominate the market, but the truth is you can get much cheaper rates from …

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Smart Ways to Save on the Summer Cooling Bill to Start Now

Rejoice, the summer months are almost here, and we have even flirted with August temperatures in the Midwest for a while now, enough that the air conditioning has been kicking on quite a bit.  This could be a great time to check your home for efficiency to ensure that you do not have any outside heat coming in, causing the air to kick on more than it should.

Use a Programmable Thermostat

It’s hard to imagine any homes out there without a programmable thermostat, especially considering most out there now are even Wi-Fi that you can program on your phone, …

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Money Mistakes You Could Regret Later in Life

There comes a time in your life when you reach a certain age or stage in your career when you can look back and reflect upon where you are at.  You don’t have to necessarily be old to do this; you could be in your thirties, ten years into working and still have wished you had done things differently, driving further motivation to ensure you are doing what is right by your financial life.  Before it is too late, ensure you can avoid making money mistakes now so you will not have to regret later.

Renting vs. Buying

I was …

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How To Get Your Sales Team Motivated

When your sales team succeeds, the entire company succeeds. This is not a fact that can be denied. Of course, what there does seem to be some argument on is how you can get your sales team to be as motivated as possible. While what may work for one sales team member may not work for another, there are some tried and true motivators that really seem to kick a lot of people into gear.

Set Up A Prize System

The exact way you will set this up will have a lot to do with how you run the company, …

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Tips to Getting a Good Auto Loan

Like most people, there are generally two major purchases that you’ll make in your life: a down payment on a home, and an auto loan. Budgeting for the latter will almost certainly be the first order of business, given that you’ve got to get to work and other places even before you’re successful enough for that house you’ve always wanted.

With this in mind, there are plenty of online resources to get you off on the right foot. Using an auto loan payment calculator, for example, you can completely streamline the process. In the following, you’ll get a step-by-step …

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Starting a New Business

So, you’re starting a new business, and you’re looking for some advice. When you’re just starting a new business, there are lot of pitfalls to be wary of. A few of them are obvious, others not, but they all bear repeating. After all, this is your livelihood, and it’s full of hard choices, so every piece of advice is potentially a lifesaver. Here are just a few ways to make the most of your early business years and start off on the right foot.

An important element of all business is marketing, and it’s doubly important for a new, small …

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5 Excuses to Avoid Not Saving for Retirement

Retirement seems like it is so far away that it is probably the furthest thing from your mind right now, especially if you just started your career, we’re talking decades away from happening.  What you should realize is though, is that the earlier you can contribute, the more it will compound, and the more you will have to enjoy when you need it.  Avoid all of the putting retirement savings off excuses and start contributing now.

It’s Not a Priority Right Now

That might be a valid excuse for your high school, college, or even immediately out of school and …

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Making Your Company More Attractive to a Global Audience

The “marketplace” has changed from a very local audience, to one that you can tap into without any difficulty, as proven by portals like eBay, Amazon, or even Etsy. Your homemade hand cream can become a big hit in Asian markets, just like your water purification system can become a household staple in Peru.

As much as we would like to think that these things just “happen” by chance, the reality is that it takes some effort to prepare your product or service to be used overseas. From educating yourself on things like duties, shipping and handling, digital marketing, and …

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Trading with Tact

Different things attract people to trading. For some it’s the opportunity to minimize their debts with relatively little work, for others it’s a chance to supplement their retirement plan, while still others just enjoy the thrill of it and the shock of adrenaline. Everyone’s situation is also different, as some use their savings, some their extra income, and others consider borrowing money so that they have something to start with, something that we personally don’t recommend.

However, one cannot forget that financial trading comes with risks. There are no guarantees of success and massive or even modest financial gains. Many …

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