Smart Ways to Save on Your Food Budget

After paying out all of the needed monthly expenses, whiling continuing to fund your emergency fund, pay down debt, not to mention saving for the future, there may not be much left every month, making it all more important to save every way you can.  Depending on the size of the household/number of incomes, the food budget could take up a significant portion, after all we do need to eat, so any way to free up extra money in that department would be a huge help.

Avoid Going Out to Eat

Whether it’s stopping for coffee in the morning, going out to lunch, or taking the family out to dinner, the price adds up quickly.  After all, you’re paying for someone else’s services.  If you can avoid going out to eat, go grocery shopping, and prepare meals at home you will have significant savings add up right away.  Just think about how long you can make bread, lunch meat, and chips last for a week for a few dollars, compared to spending $10 a day going out to eat.  Or a better example, chopping up ingredients to meal prep salads for lunch.

Never Leave the House Hungry

While sticking to going grocery shopping is important in saving money every month, there are a few areas that are of note to stick to.  If you’ve ever gone to the grocery store you know that everything looks good that you begin to load up the cart with whatever sounds good, throwing your food budget out of whack by the time you ring everything up at the register.  Also, when you’re hungry the items will most definitely not be healthy options, so do yourself a favor and have a meal at home and have a full stomach by the time you head to the grocery store.

Don’t Forget the Shopping List

While you are having a bite to eat before you go, that would be a good time to take inventory of the fridge, pantry, and freezer, to see which items you need so you can start your shopping list.  There is nothing worse than going to the store and coming home without the item you went for, or even worse, spending more on items that you didn’t need.  So, if you can make a list before you go, even organized by section of the store, you will be in better shape entering with a plan, instead of wandering aimlessly.

Take Advantage of the Rewards Card

The store’s shopper’s rewards card is great, not only for in-store sale items, and promos such as the “10 for $10”, but you can also load digital coupons from the store’s website, loaded onto your card so they take off the price at the register.  The only trick is you might need to print the list so you remember.  While your rewards card is entered, by shopping that day you can earn fuel points for savings at the gas pump the next time you have to go fill up.

Update Your Offices into the 21st Century

It seems that we live in a world of ever-changing technology. It appears new advances are made almost daily in different professions. Twenty years ago would we have guessed that operations could be performed by instruments controlled by computers? Would we have thought that there was a chance at self-driving cars? We have enhanced HD screens that offer 3D and virtual reality. We literally have more technology in our phone than the astronauts did on their first trip to the moon.

Office furniture though, it has been progressing at a much slower pace. With all the advancements in technology, it …

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Where to Buy Properties in Canada

Though Canada has a very similar lifestyle and quality of life as in the United States, the real estate market there is much more stable. The Canadian real estate market didn’t experience the crash that the States experienced, and in the last few years, has gone up in value, making great returns for those who invested. It’s difficult to generalize the entire country’s market, so we have broken it up into cities that might be interesting for potential American investor.

Toronto

No, it’s not the capital of Canada, but it is its biggest city, boasting a population of 2.8 million, …

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Ways You Are Jeopardizing Your Wealth

Sure, maybe money isn’t the most important thing to everyone, certainly you have always heard that money doesn’t equal happiness, but there is a fine line on needed enough money to live off, especially during the retirement years when you should be able to leave the workforce behind and enjoy out your remaining years stress-free.  Soon enough you’ll be of retirement age, so it’s best to focus on your personal wealth sooner than later, otherwise you will either be playing catch up, or have little to live off.

Putting Off Saving

A 401(k) account is a great way to save …

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4 of the Biggest Credit Card Myths

While there are virtually endless amounts of credit card offers that come in the mail, or you have one that you’ve had but only keep for emergencies, you may not be taking full advantage of the benefits of all that a credit card can do for you.  While they may have had a bad reputation in the past, there are actually more pros then cons for having one, as long as you can curb the spending, so ignore any myths that are out there.

Having a Card is Unnecessary

Well, it’s not life or death that you have a …

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Money Moves to Improve Personal Finance

Handing the household finances is a tough job, in fact it is one that should not be tackled alone.  If you have a significant other, should work together as a team, after all it’s both of your money, or if you are living alone, it’s always a good idea to bring in a family member or friend that you can trust, or even better, a financial advisor.  If you are looking to give your personal finance a boost, try starting a few behaviors that may help.

Build Up an Emergency Fund

You never know what life is going to throw …

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Why to Use a Credit Card for Every Purchase

Credit cards used to get a bad reputation.  I remember being a kid and always hearing the perception that if you used a credit card it meant you didn’t have the money, like you were broke or something, but whether that was just my ignorance or not, that is certainly not the case anymore.  There are so many pros to using a credit card, that I have since put my debit card away and only use a credit card now for every purchase.  The trick is just not to spend too much so you can pay the full statement …

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Overpriced Items to Look to Avoid

One of the best way to come in under budget each month is to not only reduce impulse and unnecessary expenses, but to also reduce necessary monthly expenses as well.  If your monthly food budget is say $500, if you find a way to come in at $400 instead, you can use that $100 to invest that will grow considerably more over time instead of whatever you were going to buy in its place.  With just a few tweaks in the purchases we may, we can go from spending money on overpriced items to save money each month.

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Smart Ways to Boost Your Credit Score

First impressions are lasting, and there is nothing more important to the eyes of the lender than your credit score to see if you are worthy as a borrower.  The higher the score, the better, in order to take advantage of the most favorable rates on the market.  Your score can affect your loan approval or denial, so whether you have had credit troubles in the past or are looking for ways to give it a boost, there are important behaviors to continue to possess in order to continue to see your credit score rise.  You can now see your …

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4 Ways to Teach Children the Responsibility of Money

As our children get older we are focused so much about protecting them for the safety, but what about their financial safety as well?  One day they will start to make their own money, own homes, get married, and hopefully live financially responsible without making bad financial decisions like missing payments, going to debt, or excessive spending, so it is up to us to teach kids about money as early as possible so they can not only take financial responsibilities seriously, but to make the right decisions.

Live Within Your Means

The simple reason that we go into debt is …

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