Awesome list here - you can have tons of fun every weekend without spending money at all. I definitely enjoy having a day to myself, doing my nails and relaxing.
My best money-saving tip is that spending is NOT saving. So many stories and advertisements tell you how much you could be saving by buying something. In reality, unless you intended to purchase the item at full retail prior to seeing the ad or story, you are spending. I have had to mentally replace the words in my head to remind myself that if I buy the item I am in fact doing the opposite of saving.
Once I became educated about marketing strategies, I was less likely to make unintentional purchases. I saved tons of money over the years by being aware of these marketing strategies and not letting them influence me.
Great advise for families that are struggling and for those who just want to cut back and live simply. I believe you are on the mark. There is a way to eat well on a budget, it just takes time, dedication and a little know how. Thanks!
If you haven't saved enough for retirement, it is still not yet too late to plan. Take time to plan and organize a strategy on how you will sustain your needs during retirement. In planning, develop a plan on how you will face difficult situation that might arise in the future. Long term care is among the heaviest issue during retirement. You have to know that it is different from health or any medical conditions and is not usually covered by health insurance. Ask yourself how will you afford the cost of long term care? Even if you haven't saved enough, there is still ways on how you can afford to pay for it. Among the options available is government long term care programs. The government has a number of programs that you can avail that will help you pay for long term care.
What about fees associated with paying with a CC? I have to pay a flat rate of 4 dollars everytime I pay my utility bill with my CC instead of straight out of my bank account. since my bill is almost always about 100 dollars, this is a 4% charge or more. Do you get 4% worth of points or bonus back from your CC? If not, then this is not always the best method of payment. In fact, about a third of the bills I pay charge some fee for paying with a debit/CC as opposed to ACH withdraw from my bank account.
Purchases at stores, yes I use CC all the time. But paying some bills, through certain vendors, is not always the best to pay with a CC, even if you gain points.
What about driver safety? Through Uber, you are picking up random people who need rides which is all well and good. But how safe is it to really do that, when in fact may have intention to harm the driver, or may ruin your car from the hangover they had when you drove them from bar to bar. This is a minor worry. Even the panic mode on the phone's app could go wrong and may not receive service, or the driver may not have access to it, especially if they are being attacked by a rider gone wrong. Uber or Lyft are great companies for making quick money, on your own terms. But are they safe and can the driver be prepared for what the rider's do to you or your car. Especially if they are female drivers. I was thinking of signing up as an Uber driver and almost completed my application, until I realized that I might be picking up people with bad intentions to hurt me or damage my car, or have been drinking all night, then puke all over my car. I don't think it's worth it. The concept is good though. But they need to come up with more measures to protect drivers.
My current fave tip is the advice to always ask yourself if you really need whatever it is that you are thinking about buying, especially if it's a big ticket item. Can you get a better price elsewhere? Can this purchase wait until you can save up for it? If you do buy it, how happy/useful/satisfied with the purchase do you think you'll be? In other words, no impulse purchases unless you were already on the lookout for the item anyway.
In general, references don't go in resumes. Many employers, whether past or current, seek to avoid potential defamation lawsuits by not saying anything about a past employee aside from confirming that you worked there and when.
However, if the employer includes a specific request on the job posting to include references, then by all means, you should include them.
It's not that surprising that super old software still sells. I have a stack (maybe 10 copies) of office 2003 that came with desktops at work (well I don't have them, I have them for work). The kicker is you can still use them to qualify for buying an "upgrade" copy of any piece of office software...which can easily shave over $100 off the price. So when we need another copy of office I just pair it up with one of those disks - voila instant savings...
I noticed that the thin film on my transitions have started coming out just after 2 years. The edges have almost gone and is coating free. Does anyone have solution?
Always shop around.
Do not assume that buying new or used is better. Clearance shopping has gotten us better prices for new products than purchasing used.
Do not assume that a sale is the best price. Use the Internet and all of the tools (Raise, Groupon, etc.) to get the best price.
Remember that your time is valuable, so do not spend too much time searching around.
Make a budget and set up a separate online savings account to transfer money to each month. I thought I had a good sense of where my money was going each month, but when I actually drew up a budget, there were so many spending categories I totally forgot about. And the separate savings account helps me stick to saving because it's harder to access that money, and the interest rates are much better than at my regular bank.
What about selling them off to resellers in 3rd world countries? I'm a retailer in Africa, I source my products from marked down racks from stores in the UK and the USA. People want these products and would pay for them in 3rd world countries where they are not readily available.
Someone please eductate me on why they can't sell to countries in other continents?
I have tried everything, and willing to try more. Your article has encouraged me keep trying my best to keep my sugar levels under control. Thanks for this article.
Awesome list here - you can have tons of fun every weekend without spending money at all. I definitely enjoy having a day to myself, doing my nails and relaxing.
The Ped Egg was originally called the Pedi-File, but didn't sell well until after the name change. #factnotfact
My best money-saving tip is that spending is NOT saving. So many stories and advertisements tell you how much you could be saving by buying something. In reality, unless you intended to purchase the item at full retail prior to seeing the ad or story, you are spending. I have had to mentally replace the words in my head to remind myself that if I buy the item I am in fact doing the opposite of saving.
Once I became educated about marketing strategies, I was less likely to make unintentional purchases. I saved tons of money over the years by being aware of these marketing strategies and not letting them influence me.
Great advise for families that are struggling and for those who just want to cut back and live simply. I believe you are on the mark. There is a way to eat well on a budget, it just takes time, dedication and a little know how. Thanks!
If you haven't saved enough for retirement, it is still not yet too late to plan. Take time to plan and organize a strategy on how you will sustain your needs during retirement. In planning, develop a plan on how you will face difficult situation that might arise in the future. Long term care is among the heaviest issue during retirement. You have to know that it is different from health or any medical conditions and is not usually covered by health insurance. Ask yourself how will you afford the cost of long term care? Even if you haven't saved enough, there is still ways on how you can afford to pay for it. Among the options available is government long term care programs. The government has a number of programs that you can avail that will help you pay for long term care.
What about fees associated with paying with a CC? I have to pay a flat rate of 4 dollars everytime I pay my utility bill with my CC instead of straight out of my bank account. since my bill is almost always about 100 dollars, this is a 4% charge or more. Do you get 4% worth of points or bonus back from your CC? If not, then this is not always the best method of payment. In fact, about a third of the bills I pay charge some fee for paying with a debit/CC as opposed to ACH withdraw from my bank account.
Purchases at stores, yes I use CC all the time. But paying some bills, through certain vendors, is not always the best to pay with a CC, even if you gain points.
Faigie - Now that sounds like a Catch 22. :) Thanks for commenting!
Juggler - Wow. I didn't know that. That's an awesome tip. Makes sense, though. Thanks for sharing!
Damian - lol What? Did she have two? :) Just kidding. That's better than consigning the dress as you keep a larger percentage!
What about driver safety? Through Uber, you are picking up random people who need rides which is all well and good. But how safe is it to really do that, when in fact may have intention to harm the driver, or may ruin your car from the hangover they had when you drove them from bar to bar. This is a minor worry. Even the panic mode on the phone's app could go wrong and may not receive service, or the driver may not have access to it, especially if they are being attacked by a rider gone wrong. Uber or Lyft are great companies for making quick money, on your own terms. But are they safe and can the driver be prepared for what the rider's do to you or your car. Especially if they are female drivers. I was thinking of signing up as an Uber driver and almost completed my application, until I realized that I might be picking up people with bad intentions to hurt me or damage my car, or have been drinking all night, then puke all over my car. I don't think it's worth it. The concept is good though. But they need to come up with more measures to protect drivers.
My current fave tip is the advice to always ask yourself if you really need whatever it is that you are thinking about buying, especially if it's a big ticket item. Can you get a better price elsewhere? Can this purchase wait until you can save up for it? If you do buy it, how happy/useful/satisfied with the purchase do you think you'll be? In other words, no impulse purchases unless you were already on the lookout for the item anyway.
In general, references don't go in resumes. Many employers, whether past or current, seek to avoid potential defamation lawsuits by not saying anything about a past employee aside from confirming that you worked there and when.
However, if the employer includes a specific request on the job posting to include references, then by all means, you should include them.
Lunachique will be there!
I like to look at everything that is a constant reoccurring cost and reduce or eliminate that output.
Pay yourself first. I have an automatic withdrawal every month right after I get my paycheck to my savings account and only live off of what is left.
My favorite saving money tip is to look for a coupon when buying online - it isn't making me cut back on anything and only takes a moment.
This is quite funny. I am an art teacher and I save all of those things and to think I could sell them and make some money :)
It's not that surprising that super old software still sells. I have a stack (maybe 10 copies) of office 2003 that came with desktops at work (well I don't have them, I have them for work). The kicker is you can still use them to qualify for buying an "upgrade" copy of any piece of office software...which can easily shave over $100 off the price. So when we need another copy of office I just pair it up with one of those disks - voila instant savings...
I noticed that the thin film on my transitions have started coming out just after 2 years. The edges have almost gone and is coating free. Does anyone have solution?
Always shop around.
Do not assume that buying new or used is better. Clearance shopping has gotten us better prices for new products than purchasing used.
Do not assume that a sale is the best price. Use the Internet and all of the tools (Raise, Groupon, etc.) to get the best price.
Remember that your time is valuable, so do not spend too much time searching around.
Batiste dry shampoo is absolutely my fave - I can't live without it these days!
Make a budget and set up a separate online savings account to transfer money to each month. I thought I had a good sense of where my money was going each month, but when I actually drew up a budget, there were so many spending categories I totally forgot about. And the separate savings account helps me stick to saving because it's harder to access that money, and the interest rates are much better than at my regular bank.
What about selling them off to resellers in 3rd world countries? I'm a retailer in Africa, I source my products from marked down racks from stores in the UK and the USA. People want these products and would pay for them in 3rd world countries where they are not readily available.
Someone please eductate me on why they can't sell to countries in other continents?
I have tried everything, and willing to try more. Your article has encouraged me keep trying my best to keep my sugar levels under control. Thanks for this article.