27 Maret 2014
Shopping is very addictive. Most of the time, the household budget is sacrificed once you go shopping. Shopping should not give you headaches as long as you know how to budget. Here are the things that you need to remember: 1. Always remember to spend your money wisely whenever you go shopping. Bring only the exact amount of money you need in buying your items. To ensure that you only buy the important things, you have to make a list of the items that you need to buy. You may then budget your money wisely and will prevent you from buying things that are not that important. 2. It is advisable that you compare prices from different stores before buying an item. Do not limit yourself to just one store. There are stores that offer the same quality but can have a lower price. A smart thing you may do is to be attentive to the prices of the items that you buy regularly when shopping. There are instances that a store has an untimely changing of prices on different items. 3. It is recommended that you do your shopping during the end of the season. Prices of many items, especially clothes, are very low and affordable during this time of the year. You may buy clothes in the months of August and September if you are looking for bargain clothes for your summer wear. 4. You may shop in dollar stores where you can find items that are on sale and where prices are low. Although the quality of some items is not the same when you buy in malls and shopping galleries but the merchandises are still new and not yet used. These stores can provide you the best prices that can cope with on your budget. 5. Another way to save money while shopping is to economize the travel you make in finding the stores you want to buy an item. You may take a stop on your daily route to check if the items you buy regularly have not changed their prices or are still in the price of your budget. You may purchase the item even before you do your shopping schedule. This can save you fuel and time. 6. Try to find discount stores that offer quality items that have discounts and can offer a very affordable price on your desired item. The prices on discount stores may vary depending on the season of the year. These stores can be located in large shopping areas like in malls and shopping galleries.
20 Maret 2014
In this world today, prices seem to go higher every year. Saving money can sometimes be a hard job for many people. To help you save money, here are some pointers for you: 1. Determine the things that are important to you. Identify the items that you need and the items that you want to have. Always remember that you should only buy things that are important and needed in your lifestyle. 2. Make sure that you spend your money only on basic needs like food, transportation, shelter, and clothing. These basic needs are worth spending for because these are important for your health and security. They are the things that you cannot live without and should be allotted in your budget. 3. Make a list of the things that you want to buy and be sure that the items that you are buying are good enough to sustain your basic needs. You have to be satisfied with the things that you have now, as long as it is still useful and can accommodate your needs. 4. You may avoid unwanted purchases by trying the item first before buying it. This is to make sure that the item is worthy enough to acquire. There are instances that you tend to buy things without even knowing its effectiveness and quality. You have to keep in mind that you always need to spend your money wisely on items that have quality and are according to your budget. 5. You may try to budget your money in advance. You can make a plan first before spending your money. There are instances that you spend your money without even thinking that it is not the right time to have it. It also advisable to buy items at the end of the season, prices at this time of the year are low and cheap. 6. You may compare items on their prices. Do not limit your options to just one store only. You may find the best item that can be useful and affordable to you by window-shopping first rather than buying by impulse. Many stores out there carry the same items and can offer lower prices. 7. You can save more money in your household by conserving electricity. Be sure to turn off appliances that are not in use. You may compare your monthly electric bills regularly to check if you are maintaining your desired bill. 8. You can save on your transportation by traveling wisely. It is recommended that you make your itinerary to help you to not forget your destinations. Being organized will help you save money and time.
13 Maret 2014
Expenses on utilities contribute to most of your household bills. Did you know that you could save a lot of money through your utilities? Here are some pointers to help you do this: 1. Identify which appliances consume much electricity and contribute the most in making the electric bill cost that much. You can save hundreds of dollars annually by enrolling in a home management load program that offer a 100-dollar savings in a year on electric utility hour rate programs. This will help you lower your electric payments and will teach you on home energy conservation. 2. It is recommended that you have improved appliance efficiency. The heating system appliances are the ones that consume too much electricity. The refrigerator and the water heater consume that much energy as well. Make sure to check these items regularly to ensure their efficiency. A well-maintained appliance will sustain its performance and will give you it's accurate use of electricity. 3. Always remember to give your furnace a tune up at least twice a year. You have to cover the water heater to insulate it and give your refrigerator coils a cleaning at least twice a year as well. You may also set a timer for the heater to have regular flow of electricity whenever it is in use. You may call your utility service to check if there is a low rate offered during any specific time of the day. 4. You may also save money by lowering your heating bills. You may set your thermostat down three degrees to make you save 3 percent on your bills. You may even save more by not using it while you are at work or you can even turn it lower during nighttime when you are asleep. This can help you conserve electricity and save more money. 5. You may want to lessen your long distance telephone calls to lower your telephone bills. If it is a need to call a very important person, you may call during weekends and night hours. Telephone companies offer a lower rate for long distance calls during those times of the day. The best alternative to save money is by using the Internet to communicate with your friends and relatives instead of the telephone. 6. You may want to consider lowering your water bills in order to save money. Check if there are leaks so that you may fix them immediately. You may put a water saving showerhead to lessen the use of water when taking a shower. You can use a big container to stock water in the bathroom as an alternative rather than using the shower in the bathroom.
07 Maret 2014
Saving Money is one hard task. There are lots of things to be considered, primarily on how to budget your cash on hand that would somehow, if not manage to have excess left money, be exact of what it should be used for. Budgeting is really a pain in the neck. Allocation of electric bills, water bills, phone bills, etc. is just few of the many things being considered on how to utilize your cash wisely. Food is no exception. Being the most important of all house responsibility, we prioritize on how to budget our money, reducing the money spent without sacrificing the food allocation. We mainly buy necessities in groceries. It would be of help if you list down goods you have to buy together with their prices (if possible) so as to ensure yourself that the budget allotted for food is exact or there is a shortage. If so, you could trim down your list or think of a better replacement. To furthermore avoid shopping shortages, here are some tips. • List goods that should always be found in the kitchen. Examples of which are coffee, milk, sugar, soy sauce, vinegar, salt, onion, garlic. These goods are necessary, so they are always being bought. • Plan your weekly meals ahead of time. This would avoid you overspending on goods invaluable or missing some ingredients that are needed. This would not just clear your worries but it would also save your time. • Don’t buy branded goods; instead choose a product that has the same quality of those expensive goods. You’ll get the same benefit without spending more. • Buy goods that have dual purpose. A good example of which is mayonnaise. You can use it as a sandwich spread or make macaroni salad instead. In a way, you could enjoy eating both without spending too much. • Buy less expensive cuts of meat. List recipes that the cuts won’t matter. At least, you won’t be sacrificing the taste of the food and at the same time you’ll have the chance to buy a larger quantity. • Pay in cash. You might be tempted to buy unnecessary goods. This would avoid you from going over your card limit. • Try to be inventive and creative at the same time. Leftovers could be precooked in a way that it would look appealing again to your appetite. • Bring some snacks whenever you travel. This could be a good reliever for your hunger along the way and chances of being tempted to stop in a mini store; if not be impossible, at least be lessen. • Keep a list of prices of goods you always buy. At least, with those products you’re sure of how much you’ll be spending and you could do just a small amount on goods you wish to buy. • Shop only once or twice a month. In that way, less time will be spent on going to a grocery store and at the same time, chances of overspending will be minimized.