Building an emergency fund is a great way to pay for unexpected expenses. If you don’t have an emergency fund, you will likely have to use your credit cards to pay for these expenses. This will put you on the track to debt and high interest costs. Start developing a budget by writing down all of your necessary expenses. Don’t include things like fast-food trips or cups of coffee at the local coffee shop. Add up Read the rest of this entry »
Budget: Set It Up Carefully And Follow Through
Creating a budget can strike fear into the heart of the bravest man or woman. Take heart â€“ you can do it! Here are some pointers to get you started.
Gather your tools.
The best budget method is the one youâ€™ll stick with. Using pen and paper, a software program, or cash-in-envelopes are all acceptable. Be sure to keep all necessary materials in one location.
You donâ€™t have to reinvent the wheel when it comes to a budget. Books and software are available to Read the rest of this entry »
When it gets colder outside that is usually around the same time your heating bills start going up and unless you get your energy or heating through places like http://www.newyorkenergyrates.com/ you could really be paying through the nose every time the winter months roll around. So what do you do? How do you maintain your frugal lifestyle during those chilling winter months and cut back on the heat? There are a few things you can do to offset the discomfort and I have created a small list to help you through the colder times. Some of these tips might require a change or two in your lifestyle or even an investment but compared to how much you will save on heating in the long run, it’s worth the price.
1. Dress Up In Layers
Got some sweatshirts or long-sleeve shirts you can wear over your lighter clothes? Put them on. Got some extra blankets or quilts, throw them on the bed. More layers mean more of your body heat being conserved.
2. Get Some Better Curtains
Heavier curtains can help block any particularly nasty drafts during the colder season.
3. Get Some Better Windows
While this may seem like quite the investment, you can never put a price too high on great quality windows. Better windows also help keep the heat in the house without letting too much cold air in.
If you are looking for a way to save money there is one rule that you must always follow which is don’t buy it if you can’t pay cash. Many times people use their credit cards freely, and forget that they have to pay this back. If you are shopping and want something you do not have enough money for, the smartest thing to do is walk away. When you charge an item on a credit card you are taking the chance of Read the rest of this entry »
While purchasing your groceries and household products coupons are often a great way to save money. However, there are some instances where it wouldn’t be beneficial to buy the product which you have a coupon for.
One such situation where it wouldn’t be advisable to purchase a product even if you have a coupon would be if you don’t truly have a need or use for the product. Coupons are meant to save money and if you are only purchasing the item to be able to save what the coupon allows you, are you really saving Read the rest of this entry »
Loose change, especially silver, can certainly add up fast. Saving your loose change can allow you to save up for your next big purchase, Christmas gifts, or even a vacation. There are several ways to get the most out of your loose change savings account.
Try to pay with cash whenever possible. Using your debit card all of the time will not allow your change pile to grow very quickly. Once you get home with change, deposit into any bucket or bowl, and leave it be while it continues to grow. Read the rest of this entry »