Category Archives: Saving & Spending

Have you ever taken $20 out of an ATM and wondered later where it went? Start keeping a daily spending diary to keep track of where your money goes. Try it out for one week and you’ll be amazed at how much you can spend on the little things like coffee, eating out and entertainment. Here’s how to do it: Take a blank piece of paper and create a column for each day of the week, Mon......

Saving money on birthday parties is something anyone can do. All it takes is a good plan and some savvy shopping skills. Here are nine tips for celebrations that are frugal and fun. Keep it Small. The easiest way to reduce your birthday party spending is to limit the number of guests. Let your child know the limit, and be firm. Don’t Schedule the Party at a Mealtime. You’ll a......

Everyone gets tempted to go on spending sprees during the holiday season. Sales are on in stores and it is the gifting season and you have so many parties to attend. You want to go shopping, buy gifts and clothes at the discounted sales. There are so many opportunities to spend! All this has a negative impact on your bank balance. How do you save in such a scenario? The good news is that if......

If you really want to start saving on your monthly bills and expenses, then you will want to think about getting an international number. These are equally useful for individuals and businesses who wish to save as much money as possible while still getting the same kind of services they require for every day use. Having one of these numbers means that you will be able to make or receive call......

Spending can be too attractive for many of today’s earners. After waiting for those agonising few days prior to pay-day, desperate for a new pair of shoes, a big night out or a new TV, it can be hugely tempting to splash out � however counter-productive that may be. It can also be very easy to develop a habit. Once a spender relies on habitual purchases in order to get by, it can be very di......

Saving Money is the key to financial freedom. Unfortunately, talk about savings and most people’s eyes start to glaze over. Inside many people simply feel that life is for living now, not for sometime never in the future and anyway they already contribute to a 401k. This is a big mistake and many people make it; believing that savings are only about retirement. Retirement planning is i......

Today, with the country every day mounting up absolutely amounts of debt, we are encouraged over and preeminently to begin putting money aside. Thus, we must consider saving of money more than any resources that we posses. In spite of the economic success of the foregoing decades, where economic booms abound in different places, there could however come a time when you and your colleague co......

“It was the best of times, it was the worst of times.” So begins the classic novel, A Tale of Two Cities, by Charles Dickens. But this is not about the French Revolution. It is, however, about time and the critically important role time plays in the financial planning process. Time, if used to your advantage, could be your best financial friend. Fritter it away and time quic......

For the people who believe on the power of saving, it automatically becomes a way of their life. These people are aware of the fact that in order to make a more comfortable future, they have to save more money. However, people find it quite hard, sometimes impossible to save more money as the times goes on. People are not aware of the money saving secrets. Since most of the people are alre......

You can find many ideas on how to cut back energy consumption and reduce heating and cooling costs for homes, but most of these cost cutting ideas or suggestions require that permanent items be installed within the home. For renters, those home improvement ideas are not likely to happen since the average renter has no desire to spend money on a home they do not own. When renting a home, if y......