Top 5 Tips to Easily Cut Down on Daily Expenses

Most consumers today are consumed with cutting down on expenses (probably due to their also being consumed by enormous debt).  The fact is however that most of us are wasting money every single day on things that we absolutely don’t need and, because we don’t think about them, we keep wasting more.

Today’s blog will give you 5 excellent tips to quickly cut daily expenses starting today. Enjoy.

Tip 1: Bring lunch from home. If there was a way that you could save $50,000 over the typical 40 year career, would you do it? By bringing your own lunch from home you could save $25 a week (at least), which equals $1300 a year or, over 40 years, 50 Large.

Tip 2: Stop buying premium gasoline.  Unless you’re driving a seriously high-end automobile like a Lamborghini, you don’t need premium gas. Depending on how much you drive you can save between $250 and and $500 dollars a year just by using regular gas.

Tip 3: Drink water when you go to restaurants. It’s well-known that restaurants markup the cost of their beverages, sometimes to ridiculous levels. On the other hand, they all give water for free and, for the typical American family, that amounts to about $800 in savings a year as opposed to drinking soda, juice, milk, alcohol and other beverages.

Tip 4: Use your local library. If you read a lot of books, purchase a lot of movies on DVD, have a lot of magazine subscriptions or all of the above, you can save between $200 and $500 a year by simply going to your local library and renting them for free.

Tip 5: Stop purchasing food and other items at a convenience store. Let’s be honest, unless you live really far out in the sticks, there’s probably a grocery store just as close to you as a convenience store. The fact that the latter charges nearly 45% more for the same items is a compelling reason to never buy anything there.

Just using these 5 tips alone couldn’t save the typical family between $2000 and $4000 a year. If you take that money and invest it, you could practically fund your retirement with the proceeds!  If that isn’t enough of an incentive to keep these tips in mind, and start using them today, then truly nothing is.

Top Job Tips for College Grads

It’s an annual rite of Spring; College graduation. These days however, with an increasingly tough job market, college graduates need to do as much as possible to make themselves employable.

Today’s blog will help them to do just that, with some top job tips for recent college grads. Congratulations, and enjoy.

Tip 1: Take a few weeks to volunteer and make contacts. Any type of volunteer experience is a great way to network, especially if you can volunteer with an organization that has some sort of relationship to your respective career plans.

Tip 2: Attend as many hiring events …

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Everything a College Grad needs to Know that they Weren’t Taught in College

As graduation day gets closer many college grads will be looking for their first ‘real’ job and setting out on their own financial path.  But here’s the thing; many of the basic concepts about finances, credit scores, IRAs and much more were never taught to them in school.  For many, that will lead to trouble ahead, financially-speaking.

This blog aims to correct this large college oversight.  Enjoy!

First and foremost, start saving for retirement NOW.  Yes, retirement seems like a million years away.  It’s not.  In fact, if you work for 40 years, it’s only 14,600 days away.  That’s not …

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5 Tips for Moving Day

Moving day can be a very stressful day. However, with a bit of planning it can be a little less stressful. This article will provide you with five tips for moving day to make it as pleasant as possible.

Move Yourself

When moving local it is okay to rent a moving truck and move yourself. It may seem easier to have movers come in and do the move for you yet the prices they charge will make you want to cry. Instead, enlist the help of friends and family and you can save loads of money on your move. Additionally, …

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7 Excellent Tips to Save Money

Looking for some easy to implement saving techniques? If you are, you’re in luck, because today’s blog is all about how to save every day and stick to your budget. Enjoy!

Tip1) Clip coupons at the Library. If you buy the newspaper every week just to get the coupons, you’re wasting money. You can usually get them at the library for free (and they usually don’t mind).

Tip 2) Find the lowest priced grocery store in town and make it yours. Think Walmart has the lowest prices on food and sundry items? Think again. Dollar stores have excellent prices on …

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Make Your Home Purchase More Affordable

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The California Housing Finance Agency (CalHFA) launched a fabulous new program last year that will provide 3% of the purchase price of a new home plus an additional $6,500 in down payment assistance through its CalPLUS Conventional program. The program is part of ongoing efforts to make home purchasing more accessible for first-time home buyers. California is an expensive market, especially for mid-west transplants and millennials who don’t have the benefits of years of saving behind them.

The CalPLUS Conventional Loan with Zip Extra program essentially provides a 3% interest-free loan with a fixed interest rate on the mortgage. …

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When to Buy Used VS New

When you are looking to purchase a vehicle, you will first be presented with the decision on whether or not to buy a new vehicle. There are many reasons why you should buy a used car, but there are also just as many reasons to purchase a vehicle that is new. When it comes to deciding on when you should purchase new, versus when you should purchase a used vehicle, your decision should be based on more than the price of the car payment. Instead of looking at the price and use the following questions to guide you in your …

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4 Habits that Lead to Wealth and Prosperity

If there’s one thing that wealthy people engage in more than the rest of us, it’s habitual behavior. Now, we’re not talking about drinking or smoking habitually, but instead positive financial habits that lead to wealth and prosperity (with a good portion of time thrown in, of course).

Let’s face it, very few people become wealthy overnight. In fact, most that do end up losing that wealth quite quickly. What that means for most people (who aren’t wealthy to begin with) is that habitual behavior is a necessity.

Simply put, if you aren’t engaging in the following 4 financial habits, …

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7 Need to Know Facts on Social Security

96% all American workers will be eligible at some point in their life to receive Social Security benefits, obviously after they retire from working.  That might be a fact, but another fact is that Social Security benefits, and your eligibility for them, are rather complicated and highly dependent on specific details and situations based on your work history.

Fact 1: A foreign citizen working legally in the United States, and paying Social Security taxes, can accumulate social security credits the same way a regular US citizen does.  However, some visa categories aren’t eligible to earn those credits. Also, if …

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6 Ways to Be More Wealthy at the End of 2015

If, like most consumers, you weren’t very good about keeping your New Year’s resolutions, but you’re still hoping to end 2015 with more money in the bank than you have now, the next 10 tips and bits of advice will definitely help you meet your goal. Enjoy.

Tip #1: Start using Cash instead of credit and debit cards.  This is a simple strategy that will help you to spend less, sometimes drastically. If you take out a specific amount of cash at the beginning of the week and don’t spend more than that, you will not only quickly realize how …

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