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 things like detergent, decorations, light bulbs and more. Aldi, a smaller supermarket chain, has amazing prices on their own brands of many different things, and also sells produce at phenomenally low prices.

Tip 3) Stop washing most clothes after only one use. Unless you’re talking about underwear or socks, or clothes that are extremely dirty or sweaty, there’s really no need to wash them after only one usage. In fact, you can let jeans go for months without washing them and, depending on what they were used for, many shirts can simply be thrown in the dryer with the rest of the wash rather than washed and dried, to freshen them up.

Tip 4) Use a list when shopping and stick to it. Impulse buying is a big problem for many consumers. If you make a list before you go shopping, whether it’s for groceries, clothing or what have you, and stick to that list, you’ll spend a lot less almost every time.

Tip 5) Turn off the lights. This one is huge! So many people leave lights on around the house all day long, even when they aren’t there. You and your family need to get in the habit of turning lights off when you leave the room, even if it’s only for a few minutes. Those extra few minutes every day add up and amount to quite a bit of savings on your electric bill.

Tip 6) Make one big trip instead of several smaller trips. This is a great way to save gasoline and time. Every morning you should make a list of all of the things you need to do that day and, if possible, arrange them around picking up the kids, work and whatever else you have going on. That way, rather than making several different smaller trips, you make one big trip and save gas.

Tip 7) Take a long, hard look at your insurance. Today there are a ton of insurance companies vying for your business. If you haven’t looked at your insurance, for your home, car and health, and done some comparisons lately, it’s time you did. There’s a very good chance that you’ll save a lot of money by switching Insurance companies and, if you combine your insurance and get everything covered by one company and one plan, possibly save even more.

Make Your Home Purchase More Affordable

2

2

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. …

Continue reading...

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 …

Continue reading...

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, …

Continue reading...

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 …

Continue reading...

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 …

Continue reading...

How to Decode the 5 Main Factors that Determine your Credit Score

When it comes to getting an excellent interest rate on your mortgage, a car loan, a personal loan or a loan for your new business, your credit score is extremely important. The reason is simple; lenders can instantly tell how “credit-worthy” you are by looking at your credit score and, if it’s low, they know immediately that you have a problem handling your credit and most likely your finances too.  That’s not good.

Simply put, the higher your credit score is, the better rates you’ll get on new credit because lenders won’t be looking at you as a risk.  …

Continue reading...

Order Your Essay

One of the largest investments we will ever make in our lives is our college educations. The cost is even greater for those that start but never finish school. They generally have student loans and debt that is harder to pay back without the benefit of having your degree. This is all the more reason to take your education seriously, pass your exams, and perhaps get a little help on essays if needed! Help on essays you ask? Writing was never my thing in school, I believed in pure true and false answers, not the arbitrary essay writing that always …

Continue reading...

Could gambling be a sustainable career path?

Although it is rarely referred to in terms of a career, there are plenty of people who do indeed earn themselves a sustainable living by gambling. That said, you should think twice before telling your boss where to get off, hitting the bookmakers or online casino like www.casinoonline.co.nz and waiting for the money to roll in – making your living as a gambler is not as easy as all that. You have to know a lot about the types of gambling you intend to focus on, and you also need to have a strategy for earning sufficient funds to …

Continue reading...

Avoid the 5 Biggest Career Mistakes

We’ve all heard of asset management and even anger management, but what about career management? The fact is, if you want to truly reach your full career potential, managing your career is the key.

Let’s face it, even if you have a position and a career that are relatively stable, and your next few career steps have been planned out, things can change and change quickly. Taking steps to avoid huge financial problems when these changes occur Is necessary, and it’s the focus of today’s blog. Enjoy.

Career Mistake #1: Not continuing to Network.  Complacency is a huge mistake …

Continue reading...