4 Small Money-Saving Tips that Add Up Over Time

Rome wasn’t built in a day. And, as you probably already know, you can’t build a savings account in a single day either. Rather, it can take years of hard work and determination to accumulate enough money to achieve financial independence and stability. The good news is that small changes to your daily routine can help you save up a lot of extra capital over the long haul. To that end, here are four small money-saving tips that can add up to big dividends over time:

Carpool

It’s no secret that gas prices are on the rise. Of course, even when gasoline is “cheap,” transportation costs can be a huge drain on your resources. As such, it’s definitely a good idea to carpool to places like work and school if you can. Alternatively, you may also consider public transportation like buses and trains if possible. Owning a car may be a necessity for some, but it is expensive all the same.

Review Your Expenses

Have you ever forgotten to cancel a “free” subscription to a streaming service or software program? If so, then you probably know how frustrating it is to find you’ve wasted dozens –– if not hundreds –– of dollars on a product you didn’t even use. As such, it’s always smart to review your expense accounts at the end of every month. That way, you can identify any surprising charges and eliminate unnecessary payments. This is one of the best ways to sharpen your money management skills as well.

Take Quick Action

Seemingly “small” issues can lead to big problems down the line. A crack in your basement wall might not appear like a big problem, but it could lead to serious foundation damage. Similarly, health problems can quickly become troublesome and, unfortunately, expensive. So always act quickly to address any issues that you may notice. When it comes to your health in particular, it’s always wise to err on the side of caution. Remember, medical professionals can use sophisticated equipment from companies like Greiner Bio-One to diagnose and treat many common conditions. In the end, it’s always better to be safe than sorry.

Shop Smarter

Some expenses, like groceries, are simply unavoidable. However, you can use coupons, rewards programs, and special sales offers to shave down the cost of essential items. Always keep an eye out for limited-time offers, deals, bulk discounts, and other cost-savings opportunities. Even reducing your regular grocery bill by $5-10, for example, can end up saving you hundreds of dollars over the course of a single year. Keep in mind that a little savvy shopping can go a long way toward helping you reach your financial goals!

 

5 Simple Moves to Amplify Your Investments

One central aspect of a sound financial strategy involves practically making your own luck.

By definition, you can’t directly control your luck. What you can do is plan around approaches that maximize the likelihood that you’ll be in the right place, at the right time—and that your investments will bear fruits accordingly.

Within the financial setting, “making your own luck” may look like a lot of different things and may be referred to using several different names, ranging from diversification through risk management. And even if your portfolio seems stable and continues to do well, it might be worth considering …

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9 Top Tips for Managing Your Personal Finances

Good financial management is an essential life skill, but it can be challenging if you’re just starting out. If you have trouble maintaining financial stability, you are not alone. Fortunately, there are numerous resources and tools available that can help you learn the main aspects of financial management. Once you understand the basic ideas, you can choose which techniques and tools work best for you. Here are some essential tips that can help you develop and follow a budget, save more money, and improve your credit score.

1. Track Your Income and Expenses

Before you can start making changes to

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KaratGold Coin (KBC) is Bridging the Digital Gap Between Gold and Cryptocurrency

Cryptocurrency is the newest major asset class to emerge in the 21st century. Most famous is Bitcoin, but the crypto markets now include several thousand digital currencies and tokens. These tokens are used for all kinds of purposes, but the ones used as digital money are still the most popular. Among the top 10 cryptocurrencies trading today, 4 (Bitcoin, Bitcoin Cash, Litecoin, Ripple…or 6 six if you count Tether and Binance Coin) are primarily as digital forms of cash.

However, none of these digital assets has a foundation of inherent value. Sure, the law of supply and demand ensures that …

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Dwayne Rettinger, Other Experts Discuss: Updating Your Will – When To Do It

It’s time we stopped viewing our wills as stagnant documents, completed once then filed away in a dusty safety deposit box until death. In reality, a will should be seen as a living, breathing file that must be periodically updated to reflect changes in our lives. Here are some situations where another look at your will might be necessary.

1.  A New Addition to the Family: Children need plenty of attention, especially when they are young. But it’s also important to prepare for the worst, says Dwayne Rettinger, an Executive Financial Consultant with IG Private Wealth Management. “What if …

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Data Driven Decisions

Making decisions is the ultimate job of anybody in a position of responsibility in a business, especially if they’re ultimately in charge. As a founder, CEO or Chief Operating Officer, the majority of your job is taking high level, strategic decisions for your business. You need to inform yourself so you know what the right long term goals are you need to be working towards, as well as dealing with the day to day issues that arise as part of running any complicated organisation.

It’s a cause of stress: successful CEOs command high salaries not just because they create success …

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5 Tips for Paying Off Those Credit Cards Quickly

If you’ve ever dealt with credit cards, then you already know they are a useful tool, but they can also get you in a heap of trouble if you aren’t careful. There are many myths out there associated with these cards and the debt they carry, but what it comes down to is you have to pay your bills if you don’t want to ruin your credit score. With that in mind, read on below for a few tips to help you pay them off quickly.

Pay off the One with the Smallest Balance First

It makes sense to pay …

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How to Maintain a Good Credit Score

What causes bad credit? Late payments, charge-offs, defaulting on loans, foreclosure and bankruptcies are some of the things that can ruin your credit. An unpaid judgment can also cause your credit score to drop to the point where even an easy personal loan isn’t so easy to get. Dealing with bad credit can be frustrating. Fortunately, there are ways that you can keep your credit score high.

How to Improve Your Credit Score

Check Your Credit Report

It is estimated that 20 percent of people have at least one error on their credit report. If you have a low

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5 Keys to Turning Your Side Hustle Into a Successful Business

Starting a side hustle is the perfect way for people to pursue their passion while paying their bills. With hard work and dedication, entrepreneurs can start a business while using their regular income to support their efforts and keep the lights on.

For some, keeping a side hustle is a great way to supplement one’s income while working a full-time job. For others, the goal is to create a full-time endeavor. Here are five keys to turning your side hustle into a successful business.

Get the Right Tools in Place

When you’re building a side hustle, you have wiggle room …

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What is a “Small Business” Work Retreat?

It’s difficult to find the balance between work and your personal life in the startup phase of your business. You fear that if you step away for even a minute, the entire enterprise will flounder and fail. The truth is that there is a lot of risk associated with starting a business. And it could not work out. But you will never know for sure unless you put your whole self into it. However, that could lead to burn out.

Entrepreneurs have drive, but this can be what forces them into a state in which they are unable to enjoy …

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