The Best Way To Cook Your Freshly Caught Fish

A freshly caught fish can be cooked in a thousand and one ways. Any fisherman worth his salt has his own unique way of cooking a freshly caught trout, salmon or whatever fish he caught. So fisherman all across the country has been handed down methods of cooking fish. Here are some tips to get the best out of your fish. 

1.Frying

Breading and frying a freshly caught fish is as good as it gets. The smell of butter emanating from the frying pan and the flair a fisherman puts in flipping his catch is worth its weight in gold, almost. For the novice fisherman, make sure that the butter is extra hot but not yet burning. Also, make sure that the fish is well coated in batter. Season your batter to your heart's content, salt and pepper never goes wrong. You may want to try other herbs and spices with the batter for a more delicious fish.

2.Grilling

At first glance, grilling would seem to be the easiest way to handle your fish. A newbie might assume that grilling fish is the same as grilling steaks or burgers. Unlike fowl or cattle, fish tends to  secret most of its own juices when cooked. On a grill the delicious juice drips into the coals. 

To prevent losing the moisture, first coat the fish with oil. The oil will seal a part of the moisture inside. Second, keep an eye on the fillets and turn them as soon as a cut would reveal that the fresh fish is cooked halfway through. After being flipped, watch the fish carefully. Remove the fish as soon as it is cooked through.

An option to basting the fish with oil is to wrap it in aluminum foil. The aluminum foil will keep the moisture and marinate the fish in its own moisture. Placing herbs and spices inside the foil with the fish enhances the grilling process and the fish itself. 

3.Baking

Baking is the best option for the fisherman who does not want to watch over the fish during cooking. The fisherman can prepare the marinade and pre-heat the oven, then pop the fish into the oven for a predetermined amount of time. You may want to check on the fish from the time to time, ensuring that you don't overcook the fish.

Whatever fish you caught, a good recipe and proper cooking will for sure enhance the catch. Take time to prepare for cooking, a badly cooked fish will no doubt spoil your day. Remember the first rule of cooking, don't overcook your fish.

Read More

Essential Money Saving Tips for Students

It is easy to get caught in the rush of things when you are in college. In the midst of studying, part-time jobs, socializing and extracurricular activities that you have, you are most likely to forget one of the most important things, which is straightening out your finances. 

Here are some tips on how you can save money as a student:

1. Plan ahead. 

If possible, do this even before you move into your dorm room. 

Check if you are eligible for scholarships and other grants before signing up for any form of student loan. 

Construct a cash flow. First, where do you expect to get money from? Make a list of your income,  be it from your parents, your student loan or your part-time job. 

Then forecast your expected monthly or weekly expenses for food, books, etc. Once you have set aside a budget, be strict with yourself and stick to it. 

You will never know what unexpected expenses would come your way so it is better to have a downfall for financial emergencies. 

2. Save on food. 

One of the major expenses that you have as a student which you might have ignored when you were still living with your parents is your food allowance. Avoid eating at fast food outlets, as this is most likely to ruin your budget. Pack your lunch and plan your meals as much as you can.  

3. Take full advantage of student discounts. 

Those IDs in your wallet are not just for show.  Student IDs and memberships in organizations are honored in several establishments which offer discounts. 

Also, patronize a certain establishment regularly and you are bound to get bonus cards for being a loyal customer. 

4. Use your cash as much as you can. 

Since you already have a draft of the items where you will spend your money, it is easier to monitor your cash flow. Avoid using your debit card when you have cash with you. Use your credit cards or write checks only in emergencies. Having debit cards, credit cards and checks handy might lead you to overspend. 

5. Keep yourself busy. 

Join clubs according to your field of interest. 

Keeping busy will let your mind wander and help you stay away from things that you are likely to spend money on when you get bored. Examples of these are snacks, movie tickets or game rentals. 

You will be surprised at the amount of money that you will actually save by spending less on luxury items, following your budget plan and saving for financial emergencies that you are most likely to get as a college student. 

Read More

No Fret Family Budget

For some, the idea of a budget is often a blur.  It is frustrating to see how hard it is to do a budget and realizing that with one wrong purchase, you can actually ruin the entire thing. And this has been a perennial headache for most homemakers.  

It is about time to overhaul the way people look at budgeting.  It can actually be a great way to keep track of your family's expenditures and help you evaluate the things that you spend the lion's share of the family's earnings on.

What is a budget?  A budget is a tool for handling your finances by controlling the family's expenditures in a way that money is enough for paying up bills, and still ensuring that savings are set aside for future expenses - vacations, or children's education, or even for retirement.

Try these simple steps in preparing a no fret family budget, and see the benefits of intelligent spending.

1.  Gather three months of your pay stubs and get your average monthly earnings.

2.  Get out three months of your monthly bills.  Do this for the fixed expenses like the rent, phone bill, car payments and other loans that come monthly.   Add them up and get the average. Do the same for other expenses like groceries, and credit card bills. 

3.  Evaluate the results of your computations.  Looking at your average monthly earnings against your monthly fixed expenses and other monthly expenses, think of some ways to economize.  Cut back on some items that are somehow unnecessary.

4.  Knowing the facts of your income and expenses, develop a family budget and try to stick to this monthly budget.

5.  Now that you have a monthly budget, set up a savings account.  Save up by making regular deposits to this account.

6.  Keep track of this monthly family budget just to see if it is working for you.  Try to fine-tune the "rough edges" of this budget as you go along.

7.  If you can get hold of a personal budgeting software or spreadsheet application to keep record of your budget, the better.  This will make organizing your expenses very easy.

These are the basic steps in developing and implementing a no fret, easy to stick to monthly family budget. Of course each family has diverse needs and wants.  You have the freedom to develop your own monthly family budget, depending on your familys financial background and needs.  No matter how you do it, just focus on the end result, which is building a savings that leads to a bright and financially stable future for your family.

Read More

Self-Discipline And Saving Money

A great way to save money is to be aware of the fact that one has the power to define the state of his finances specifically through a conscious effort of disciplining the way one spends and controlling one's expenditures.

Self-discipline will most definitely be the key to reducing one's debts therefore increasing the possibility of growing one's savings.  And in the long run, improve one's standard of living.

According to money management book author Robert Hastings, "Undisciplined money, usually spells undisciplined person".  Therefore, if one notices how his hard-earned money seems to slip away so darned easy, then it is about time that he rethinks his ways and try to discipline his unpleasant spending habits.

One of the essential keys to successful money management, specifically saving money is to possess proper attitude.  Self-discipline is at the topmost of this proper attitudes list, of course.

Only with self-discipline that people recognize that they do have the freedom and power to do the right thing over doing as their impulses dictate.

Sounds complicated?  Well, not really.  Knowing fully the fantastic rewards of disciplined money in a disciplined person's hands should be motivation enough for one to do all that is humanly possible to achieve that elusive financial stability everyone hopes for.

Here are some helpful money saving tips.

1.  Realize that the most convenient method of building one's wealth is through saving money.  Money is the only sensible material to save.

2.  Focus expenditures on the things one needs.  Live day-by-day knowing that you have enough.  

3.  Avoid buying on impulse. Take your time when buying, especially the expensive items.  If you really need it, it would most definitely not slip your mind.  Otherwise, if you go along forgetting all about it, then it isn't really worth the money you have to spend on it at all.

4.  Credit card debts hold the number one slot as the cause for financial drains these days.  Control your spending by using your credit cards less.  Or for unavoidable circumstances when you really have to use the credit card, consider using the ones that charge less interest.  Then dump the high interest ones for good.

No matter how you look at it, saving money is so easy to do.  A little bit of imagination, some creativity and a lot of self-discipline will take you a long way in keeping hold of your hard-earned money.

Read More

Self-Control and Saving Money

Self-control is one of the many virtues that is something that can be learned by each and every person.  And learning it will prove to be very significant in the way people handle their finances. Possessing a sense of self-control somehow helps people to put aside money instead of spending it. It helps people to resist the terrible "itch" they get to spend money the moment they get hold of it.

This is a common pitfall for most people. Often, when people come into a certain amount of money, they have this tendency to rush out and instantly satisfy the irresistible urge to splurge on anything they lay their eyes on.  This is a very dangerous mistake.  Sometimes people fail to recognize the idea that the future has to be considered, too, whenever spending and savings enter the picture.

The clich "nothing is constant" still rings true until today.  The stuff people see now as shiny and new will fade and rust away later.  And patience and self-control makes people realize and think about the many other more important things that requires more of people's concern, specifically money-wise.  

A person's financial success starts with a conscious effort to control one's expenditures and save up for the future. 

Realizing the high correlation of self-control and saving money, the next question is, how do we start learning and acquire this virtue of self-control, which seems so elusive?  Well, there are many ways which people often take for granted. Here are some of the less complicated ones that are easier to follow.  Learn them, and hope they grow on you. Try to apply these easy steps in your daily living and surely they will bear you wonderful fruits on your way to financial stability and security.

1.  Do not purchase items on impulse.  Consider thinking if you really need the item, or maybe you can still put it off for later when you really have the need for it.  

2.  Identify the your needs from wants.  You wouldn't want to spend so much on something that you may regret doing so in the future.

3.  Look for a person who can serve as a role model for you and adapt a financial life similar to what he does. In this way, self-control will seem very easy when you see that others are actually doing it.

Read More

Secrets of keeping to the family budget

The high cost of living in today's society, wherever you may be, has made budgeting a priority among families.  In today's inflationary world, nothing is more important than knowing how to wisely spend the meager income that you get.

Financial problems usually arise due to lack of proper budgeting skills, or failure to keep to the proposed budget.  No matter how much income you may have, it is still important to keep track of your assets and liabilities, your earnings and expenses.

It is ironic but a person who earns thousands will have the same problems with the person who earns by the hundreds.  Most often, different kinds of people, with diverse income levels, have budgeting problems.   Others who may have been successful in making a budget, usually fail to keep within such a budget.

A budget refers to a financial plan, taking the incoming and outgoing monetary resources into consideration.  A good budget should not only mean a balance or equity between income and expenditures.  It also means lesser expenses, and making an allowance for savings.

If you earn a thousand dollars per month, you should map out all the necessary expenses you will have to incur during the month such as payment for your house, food and transportation.  Of course, this is presuming that your tax liabilities have already been settled.  What remains after you deduct your total expenses from your income is your savings.

What you do with your savings will make a difference later on, when the need arises.  You can choose to keep your savings in a piggy bank or place it in a bank where there is minimum interest rate but at least your money is safe from you and from intruders.  With a bigger savings, you can get the services of a financial adviser who can give you higher-yielding investment options

Here are tips to make sure that you keep within the family budget:

1. Maintain a logbook where you can list your income and expense account on a weekly or monthly schedule.  

2. Buy your groceries at one time.  To do this, make a list of all the things that you would need for your target period and purchase them at one time.  Sometimes, there are discounts if you buy by the dozen so take advantage of this.

3. Avoid going to the supermarket and shops if you do not need to buy necessary items.  This will keep you from making unnecessary purchases and keep you from straying away from your budget.

4. Think twice before you buy something.  By doing this, you will realize that it is not really a necessity but a whim.

Read More

How to Save Money for Tuition Fees

As soon as their child is born, parents can start saving up for their childrens college education. 

With tuition fees climbing up yearly, it is better to have a sound financial plan so that it would not be difficult for you to send your kids off to college when they grow up. 

Aside from the cash that you have saved yourself, here are the top 3 sources that can help you get your kids through college: 

1. Scholarship grants 

2. Part-time jobs 

3. Financial aids

These are good alternative sources for your children to start off on their college education. 

But as a parent, you would not want to fall in those long lines for financial aid or let your child work himself to death just to have money for tuition and other expenses. 

Here are some ways on how you can have a jump start at shaving off those hard-earned bucks for your childs college education:

1. The earlier, the better. 

Start investing your money as soon as your child is born. 

First, put the savings or investments under your name. 

Later on, decide whether you want to transfer the account to your childs name by  the time he or she turns 15. This way, you will have minimal taxes, if at all. 

However, you need to be careful when transferring account names. 

Some states require a total turnover of funds once your child turns 18 or 21. This is also ineffective if, in the future, you apply for financial aid. 

Also remember that tuition fees 10 or 15 years from now may double or even triple the current rates. 

2. Establish a trust fund for your child. 

This is a very wise plan for a childs parents or relatives to invest in. 

A trust fund is similar to a time-deposit where the money will be given to your child after a certain number of years. 

After the designated time, the fund may be received in one lump sum or through an installment basis. 

When building up a trust fund, check out details like the interest rates, taxes and withdrawal restrictions. 

All in all, you need to approximate the costs of tuition fees, dorm room, meals, books, and other expenses that may come up.

Make sure that you invest money wisely as your child grows. 

By the time that there are only two or three years to go before you send your son or daughter off to college, "lock" an ample amount of the funds by investing them in low-risk bonds to ensure that you will get to have enough for them to start their college education.

Read More

Cutting your Kids' Schooling Costs

Whenever the school season is just around the corner, there's only one thing that parents are thinking about - the impending costs. Education is a primary right and a pertinent need of every child but it can become very costly. Availing of scholarships and education grants for your children is the best way to get them through schooling. But of course, only a small percentage of children can be given these privileges. 

There are simple and effective measures that parents can employ in cutting the costs of their children's schooling, especially during the back-to-school season. Most often, these measures are often taken for granted, but don't miss out!

Organize and Save

Keep an inventory of your children's school supplies and keep it organized. If you are not organized, you will be spending more money on replenishing your supplies. Small things like pencils and crayons may not cost too much, but if you replenish your supplies unnecessarily, you are losing valuable money.

You should also try involving the kids when making the inventory. This will give them a sense of ownership for their things and would know where to take and put their things.

Tax Holidays

Tax holidays are often offered by many states during the back-to-school season.  Price ceilings will be put on different school gears. You might want to do a little research and ask about the schedule and the details of the tax holidays in your area.

Bulk Buying

It's a basic economic principle - "the more you buy, the more you save". Well, this is applicable if you are buying a specific item which you will really need in the near future. In buying pencils, for example, you might want to buy a box rather than buying one for each of your kids. Face it, you will be needing to replenish these after some time, so might as well avail of the lower price by buying in bulk.

Transportation

You might want to consider buying your child a bicycle for him to bring to school. This, of course, is not always feasible. Finding a cheap and safe way to bring your children to school daily is an important thing. Car pools and school transportation services are options that you can look at.

Snacks

Whenever you have the time and energy to prepare food for your children, do so. You will not only be saving on the pocket money that you will give to them but you are also secured that your children are eating healthy and safe meals.

Getting your children through school is a hard task and a costly one. Saving money through practical and simple means can assist you in this endeavor. The benefits will eventually add up to bring a brighter future to your children.

Read More

How to Save Money and Avoid Temptations

Saving money and financial management is very crucial in one's life. Money is very important in order to survive in this world but only a few people know how to manage their household budget properly. Many people have a hard time saving money even if it is for their own good.

Most of the time, you may be motivated to save money but there are times when temptations come your way and before you know it, you have already spent the amount that was supposed to be added to your savings account. Here are some helpful tips on how you can avoid temptations and be able to save money:

1. Try hard to avoid those things that keep you from saving. If you are fond of buying shoes even if you don't really need them, try very hard to stay away from them. Keep yourself away from shoe stores so that you will not be tempted to buy one. 

2. When going to grocery stores. Always bring the exact amount and bring with you a grocery list. If you have limited money in your pocket when in grocery stores, you will be forced to buy only those important things that you need. Preparing a grocery list will also help you get organized and will help you in deciding the things that need to be prioritized.

3. Go to the malls only when needed. Do not go shopping if you do not need anything important to buy. Window-shopping will only tempt you to buy the dress you saw in the boutique even if you don't really need it.

4. Do not bring with you your credit cards all the time. Having a credit card in your pocket will only tempt you to buy things that are not necessary. This will also help you lower your balances and have a good credit score.

5. You may want to save money in the bank or invest in time deposits. You will not be tempted to get money from the bank every time you need cash, if they are placed in a time deposit account. 

6. You may also want to consider consulting a financial advisor. There are a lot of programs that offer these services for free. They may be able to help you and give you advice on how you can avoid temptations and save more money.

Read More

Tips on how to Save Effectively in Banks

Many of us think that putting our money in the bank is a secure and wise way of saving. Yes, this is true if we are wise in dealing with banks. Banks are not charitable institutions, these are profit-driven entities which charge different kinds of fees and do all sorts of schemes to take away some of your money. The savings that you can get in being wise in making bank transactions can add up after some time and let you use your money where you want to.

Here are some tips on how to effectively save money in the bank:

Mind the Opportunity Cost 

Think about the factors that are affecting your money in the bank. Are there fees that the bank is asking you to pay for keeping and using your own money? How much? Are they requiring a minimum balance for holding an account? You might be interested in other alternatives that are available out there, waiting for your investment. You should always factor in the opportunities that you are deprived of because you are putting your money in the bank. You might also be interested in taking a look into the terms of other banks. Probably the bank that can best suit your needs is out there waiting for you.

Book Balancing

Always bear in mind to have your checkbooks balanced at the end of every month. Issuing bounced checks can cost you a lot. The average fee for issuing checks with insufficient funds is $20. If you are not aware of the problem, you can easily issue several bounced checks in a certain period of time and this is very costly indeed.

Tame the ATM Machines 

The best practice in using ATM machines is to avoid using ATM machines of other banks. This way, you will save on ATM fees. However, it wouldn't hurt if you also knew the ATM machines of other banks which do not charge fees.

E-banking

With the advent of globalization, everything is becoming electronic. This is also true in the banking world and technology is quickly becoming a benchmark of competition. E-banking can save you some money from transportation costs and more importantly, it will save you time. The time you spend waiting at the bank can be used for some other productive activities.

Truly, putting your money in the bank is a wise way of saving money, but only if you are wise enough to prevent the bank from chipping away your wealth. In saving, it is not only the benefits such as annual returns which you should consider, you should always think about the costs involved in the process.

Read More

Teaching Teens to Save Money

Parents mostly complain that teenagers do not listen to them. The opposite is true when it comes to advice regarding 'money matters'. Teens actually welcome their parents input about their finances. 

In the past few years, teenagers have earned billions of dollars with part-time and summer jobs. 

Some have spent most of what they earned, while others saved most or even all of it for a big purchase, or for their college education. 

Kids these days are becoming more and more aware of their family's source of income and financial status. They apply these money-spending principles when they venture out on their own. 

Thus, it becomes more of a parents responsibility to start training their teenage kids to use their money wisely. 

Here are some ways on how you, as a parent, can teach your teens to save those hard-earned bucks: 

1. Lead by example. 

With your lifestyle, the children will see how you spend your money. 

If they see you allotting a certain amount for a specific household need, they will eventually do the same when they get to earn their own keep. 

2. Help your teens get a bank account. 

Establishing a bank account under their name would give them an instant financial responsibility. 

Sit down and explain to them how to manage their own account, and the rewards that they get once they save enough.

Their savings could go to their college tuition, or a big purchase like a car. 

Additionally, it gives them a sense of accomplishment once they have saved up, with something concrete to show for it. 

You may check out the special benefits that banks offer for teens who open their accounts at such an early age. 

3. Construct a spending plan. 

Once they hear the word 'budget', teens tend to cringe at the mere thought of having to restrict the spending of their money. 

Instead, you and your teen son or daughter could build a spending plan. This would get them excited, and think of ways on how they can wisely spend their savings. 

Also, have them list down their earnings versus their expenses. 

Let them know the difference between the items that they need and the luxury items that they want, which they can actually do without.

4. Make a mock investment in the stock market. 

Make them aware of the options that they have financially. 

Casually introduce to them the business part of your daily newspapers and have them make mock investments for companies who manufactures products that they like. 

Monitor the stocks together and this would give them another option of investing their money in the future.

Read More

A Money-Saving Maintenance

An electrical appliance that does not work at maximum capacity results in less than ideal performance and higher electricity bills. That is why it is best to save on electricity in order to save more money.

Here is how you can get everything saving up:

1. Keep your appliances clean and well maintained. Regular cleaning and maintenance keeps your appliances in top shape, hence, it will perform better and consumes lesser energy. Energy saved is money saved.

2. Have an annual checkup by a qualified service technician. This can reduce the appliances operating costs by as much as 20%, extend the life of the system, and improve its safety and air quality.

3. When using air conditioners, it is best to establish your comfort temperature, and then setting your thermostat at that level permanently. This will definitely save on electric bills because the air conditioning unit takes less energy to cool air four to five degrees than it does to cool air eight to ten degrees.

4. Replace any items that may have been 10 years or older already. Old appliances are most likely not at their optimum efficiency. By replacing them, your electric bills may be cut by half.

5. If you experience a power outage, make sure you turn off the switch on your appliances and allow time to pass before turning the appliances on again when the power returns.

6. In refrigerators, do not overstuff compartments with bottles and plastic containers. Cool air must circulate freely to avoid overworking the condenser.

Also, try not to leave the door of your refrigerator as open as possible or open longer than what is needed. This will have the tendency to allow the cool air to break out.

7. Always try to look for the energy saving logo or notes whenever you buy your new appliances. Buying an appliance with a logo that states it consumes lower energy, it will definitely let you save more money on your electricity.

8. Always use energy saving lights or light bulbs. These energy saving lights or light bulbs usually last up to 12 times longer. Plus, energy saving light bulbs consume less energy. Hence, you will be able to save more money just by saving on electricity.

9. Use energy-saving facilities at home like energy-saving windows or energy-saving appliances. This will lessen the consumption of energy and, thus, will let you save on money.

For instance, use a double-glazed window instead of the ordinary window.

10. Use insulators at home. This will not let the warm or cool air out, and vice-versa.

Indeed, saving on electricity will definitely save more money.

Read More

Tips on Saving Money on Clothes

Are you craving for the newest designer clothes, a pretty tank top, and that pretty dress? All this fashion comes at a price  you choose.

Buying clothes these days is always a choice between the designer-made outfit or those cheap but quality items that you could pull together and express your personality in many different ways.

Most experts contend that clothes can definitely make or break a person. They say that your personality is usually reflected on how you dress up. But it does not necessarily mean that good fashion would absolutely mean expensive clothes.

Hence, you can still make a remarkable fashion statement without having to spend hundreds or even thousands of dollars just for your clothes.

Here is a list of some money-saving tips when buying clothes that would turn other peoples heads to you but would not definitely break your wallet.

1. Do the math

Choosing fashionable clothes can be really tricky, not unless you know how to do the math! So before you buy three sets of clothes that would cost you hundreds of dollars, try to go for the budget-friendly dozen of items that you can even match alternatively.

The number of expensive items that your money can buy is definitely doubled or even tripled when you buy cheaper ones but can still make a good fashion statement.

2. Know what you want

Saving money is definitely based on knowing what you want whenever you spend your money on something. If you know what you want, this means that you have researched the item, have compared them with the other items, you will be able to come up with the lowest price of the product. 

3. Drive your way to a thrift store

Usually, these thrift stores are non-profit organizations. This means that they are usually operating for charity. They give their proceeds to some charitable institutions. 

Hence, the prices of the clothes being sold in the thrift store are absolutely cheaper than the ones being sold in the department store. So that would mean many savings for you.

Best of all, you do not only get to save more money, you get to do some charity work as well.

The bottom line here is that when shopping for clothes, do not shop for the brand name, shop for the quality.

Nowadays, you just have to be practical. Better spend your money on more important things than those designer clothes.

Read More

Tips on Saving Money during the Holidays

With the hype that holidays usually bring, people always have the tendency to buy more and spend more without taking into account the consequences that their actions can bring.

Hence, it does not necessarily mean that because it is the holidays you have all the reason in this world to buy whatever you want and spend how much you want. Some people contend that its just once a year, so better give what you have.

The problem is that giving something just for the spirit of the holidays does not mean you have to spend gold. You can still give something that will be deeply appreciated without having to spend more money.

Heres how:

1. Make a budget and stick to it

The problem with most people is that they find making a budget relatively easy but sticking to it is doubly hard. So whats the point of making a budget when you do not know how to conform to what you have stated in there?

Making and using your budget should always go hand in hand. Therefore, when you make your budget this holiday season, it is best that you follow the things that are written in it so that you would be able to save more money.

2. Live within your means

Of course, everybody would want to give gifts because that is what the holiday season calls for. However, it does not necessarily mean that you have to spend more than what you can afford. 

The trick to saving more money is to always live within your means. Spending more than what you can afford will definitely bring more problems than you can afford to solve.

3. Personalize it!

As they say, it is the thought that counts. Hence, there are no better ways to show how much you have thought of those people this holiday season than making personalized gifts.

4. Shop and compare

It really pays to shop around and doubly better when you compare prices. You will never know which items are better priced than the others are when you do not compare their values.

The point here is that you should not be confined to one shopping portal. Try to look for other items, usually in thrift stores and consignment shops, where you can find the best items at a lower price.

Indeed, shopping for the holidays can be fun, but you dont have to be spendthrift. Nowadays, you really just have to be practical.

Read More

Tips on How to be Money Wise

I used to love going to the supermarket. But nowadays, I make my trips short and sweet. I have a list and stick to it. My trips to the supermarket made me realize that its getting harder and harder to stretch that dollar. With all those bills that you have to pay in a month, you really cant do anything about it but to save.

I read once that its not how much you earn that ensures a comfortable and happy future; but its how much you save and keep saved that matters. That is why it is really important to save money especially when it comes to your monthly bills.

Some people do not just realize it but saving on their monthly bills can provide the best money-saving opportunity for them.

Heres how:

1. Turn off appliances and lights when not in use

The logic is basically simple. Why would you leave something turned on when nobody is going to use it? Thats definitely a bad habit. 

Hence, if you really want to cut back some on your electricity bill, always turn off the lights and your appliances when not in use.

2. Use energy-saving lights

Nowadays, saving on your electricity bill is not impossible because you can opt for energy-saving devices such as lights. Using these energy-saving lights such as fluorescent lights consumes lower amounts of energy but can still give the suitable amount of illumination.

3. Always check for the leaks

Water bills can create a mountain load of pile on your monthly dues if you do not check on the things that might cause your water bill to rise higher. You can prevent this by ensuring that every pipe is free from any leaks. 

Some people do not just realize that single drops from leaking pipes could mean additional costs on your water bill.

4. Be more tech-savvy

Cut your phone bill to almost half by simply being tech-savvy. That is, opt for the emails and chatting services of the Internet instead of using your phone to call long distance to your relatives and friends.

5. Try to insulate your home

Insulating your home is a definite energy-saver, money-saver scheme. You will never know how much money you can save on your electricity bill when you start to insulate your home.

Indeed, cutting some of your bills can definitely allow you to save more money. You just have to be wise on your home and everything that you have in it.

Read More

Extra Money for Your Extra Time

Earning extra money for your future, that is definitely not a bad thing!

However, is it an easy thing? One definitely wants that for a stronger foundations for the future, but how can you manage?

Saving Money

One of the better ways to have a more secured future is to have more than enough money in your bank account, to be more liquid. 

Time is Gold

Sometime in a day, you may find yourself with nothing to do. You can either take this time to rest, to sleep, to read a book or any of your favorite pastimes. Basically anything will do just to keep you sane and as long you do not have to spend too much money.

However, instead of looking for activities that will not be too costly to maintain, it is better to pursue things that can even help you earn money. If you have enough free time, consider taking a part-time job. More than saving money, you can even expect more dough into your savings!

Why Should I Get a Part-time Job?

?It can be a source for your extra money for your savings.

?You make good use of your free time.

?For a student, the experience can teach a lot about life and the real world.

?You can meet interesting people.

?There is the possibility of discovering new skills or passions.

?Getting a good part-time job can actually be a start to a more serious endeavor.

Getting a Part-time Job

It will be relatively easy to get a part-time job. You can look up the posters or newspapers. Inquire in different establishments for openings in part-time positions. Ask friends who may recommend you. You can even provide services of your own skills like tutorial, writing or painting. 

The job may require from you a few hours of your week. It can be something you do in the afternoons, during the weekends, or during school breaks. 

You may feel challenged by exploring this new possibility in your life. You will have to balance your part-time job with what you regularly do. Simply manage your work and time properly. Save time too. Do minor tasks when traveling or waiting. Give no room for distraction, procrastination or cramming.

As long as you keep track of your extra earnings and savings, in the long run, your part-time job will definitely help do wonders to your plans in the future.

Read More

Save Money and Save the World

Saving money is the game now if you really want to bank on a good future for you and your family. This is one definite way to ensure that you make yourself able and ready for whatever big plans you have ahead, be it getting a new house, buying a car, sending a kid to college or even a grand vacation.

There are many ways to save money. It can range from setting aside a portion of your monthly paycheck or avoiding the little temptations for you to spend. Make it your goal. 

Start at Your Own Home

Saving money should be part of your way of life to make it most effective. It is best that the effort to save be shared by everyone in the family. 

Little Efforts

Do not drive if you really dont have to. If you can, just take a walk or take the bus. Riding the bike can also be very good for your body. Have a car pool with friends or neighbors. You can also suggest doing errands together like doing the grocery store.

Avoid the little temptations that may come your way. It is naturally fine to reward yourself after a hard work every now and then, but do stay away from splurging. Cut back on your expenses. 

Use Less and Save Energy

Electricity - Turn off appliances that are not used. Turn the TV off if the show is not worth it. Close the refrigerator after getting what you need. Use lower wattage bulb for rooms that do not need much lighting. These will definitely add more data to your savings!

Water - Check for any leaks in your pipes. Always make sure that the faucet is not dripping. Avoid long showers. Use a glass when brushing your teeth instead of leaving the faucet on. 

Phone  Choose a provider that has savings plans especially for long-distance calls. 

Gas - Have your car tuned up so you can save on gas. Get membership benefits also from stations. Fill up the tank when the prices go low. You can also do a research on gas saving cars if you have to purchase a new one. Turn off the air conditioning. If there is no need for that, simply keep the windows open. Enjoy the ride and the cool wind. 

You may not realized this before, but your households basic utilities can actually be your key to saving more money. This has a two-way benefit. You get to save some dollars for your family. You also contribute in addressing the energy crisis. 

Read More

Shop and Save

You have long known the credit card. It is said to be your ultimate gear when you go shopping. The plastic can even be a best friend to a happy shopper. 

Considering the times nowadays, this plastic seems to be the least practical option out there. It is actually the most convenient tool used for consumption when you are out of cash. It lures you to spend. 

Is there anyway for your credit card to be useful for your saving endeavors?

Yes, actually there are ways that the plastic can be helpful. You CAN actually save money with that credit card. 

0% Balance Transfers

If your present credit card has high interests, you can transfer your balance to one with a low-interest or no-interest at all. It can offer you a 0% interest for a certain period and then a lower regular rate later on. A 19% interest rate can be transferred to one with 16.1%. The 2.9% difference means a lot, especially in the long run.

Lower Interest Rates

Look for one with the lowest rate among others to further maximize having a credit card. This definitely spells savings. If you do not have a balance yet, it is best to look for a card without annual fees.

Take extra precautions, too, in assuming that the lowest interest rate is the best for you. Factor in your buying habits. You may be attracted to the low rates, but the end result may not be desirable if combined with the annual fees and the like. 

Rewards Program

Reward points system and cash back programs are offered now. This can save you money. Maintaining a low balance despite your frequent buys will give you at most 5% off on purchases. 

There are even cash rebates up to 5% when you use the credit card at certain gas stations, convenience stores and groceries. This can be automatically applied to your bill, the more you can feel the savings you are making.

Maximizing the Experience

To reap the rewards, you must avoid the drawbacks. A prudent person will definitely look for the best deals and grab it right away but with some caution. 

Thus it is necessary that you read the details. Check the fees that may be charged and the penalty rates in case you delay. This may be the downside of the deal offered to you. For example, be careful of cash advance features of credit cards. Some of them can be very expensive. They can come with numerous fees and higher rates. 

Be wary! Spending cannot be avoided at times. Just dont forget your goal, getting a good deal to save.

Read More

Save So You Can Bank on a Bright Future

Have you reached the point when merely looking at your bank statements you get a headache already? You might find your records out of place. You might even find yourself lost as to your current status and accounts. However, this is not a point for you to simply fret. 

Now, you have to take the matters to your own hand. 

Saving Money

Saving money is an important matter. It is something that you have to do regularly to come up with a considerable amount. With the current trends of the economy and the widespread consumerism, it has to be part of your lifestyle as it is your way to ensure a brighter future.

Banking 

Most people who really want to save would maintain a savings account in a bank rather than put it in a money box or under a pillow at home. Putting the money in the bank is really a prudent move. The money is in safekeeping. It is not within your immediate reach, thus it is not within your immediate disposal. It can even earn interest.

Banking Strategy for More Savings

This means organizing your finances. This is where you look at your status, plan ways to improve your standing and make terms work for your benefit. 

Savings Account

Having a savings account is definitely a sure way of getting assistance in your pursuit to save. However, you must be doing the right thing. Your money must really stay there. You actually have to maintain a certain amount to earn interest with your account. 

If you cannot keep yourself from withdrawing, hide your ATM card. This defeats your goal to save and too many withdrawals will incur you fees. 

Long-Term Deposits

Should it prove difficult to keep your savings account balance intact, you can opt to long-term deposits. This is where a certificate of deposit is given to you in exchange of a certain amount of your money. You can get higher interest rate here, so your money can earn more. You are also not allowed to get back the money within a certain period or else you have to pay a fine. The fine should be deterrent enough to keep from spending. 

Features and Offers

Identify among the various banks out there. Consider the features they provide to clients. One bank will offer higher interest rates although you may feel more secure with another bank. Some also give special offers for a certain period. Simply know your options and study the information carefully before making a decision.

Read More

Tips on How to Save Money When Shopping

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.     

Read More

Tips on How to Cut your Medical Expenses

There is no such thing as a free lunch. Moreover, there is no such thing as free medication. Some time or another, all of us will need medical treatment. Whether it would be for simple colds or for serious illnesses, these things would hurt us and burn our pockets.

According to a recent study, Americans spend more money on medical expenses than any other nationality in the world. As prices get higher and life gets harder, saving some money from your medical expenses will definitely benefit you.

Here are some practical tips on how to cut your medical costs: 

Mind Your Health

Prevention is always better than cure. Being fit and healthy seems to be a 21st century fad and it wouldn't hurt us if we join in the bandwagon. An analysis of the 1987 National Medical Expenditures Survey revealed that people who are more active spend less on medical expenses than those who live lethargic lives. The analysis equated the benefit of being physically active to $330 (1987 dollar value) per person. 

For smokers and drinkers, reducing cigarette and alcohol consumption is an option which you may find feasible. You will not only reduce future medical costs but also reduce direct costs from purchasing these products.

Go Generic

Taking generic drugs is the way to go. Patents are used by manufacturers to be able to set a price so as to recover their costs in developing their products. But these patents don't last forever and sooner or later, generic versions of these drugs will be available. Generic drugs are basically the same as the branded ones in terms of ingredients and quality.

Going generic can save you a lot of money. According to the Association of Chain Drug Stores, the generic drugs are priced at $24 on the average in 2004, while the average price of the branded ones is $96 dollars.

Deal with your Doctor

Take time out to discuss things with your doctor, for this can also save you a lot of cash. Don't be shy to ask him about the possible alternatives that you can take. Ask him if there is a generic drug that you can take if he prescribes you a branded drug. If you are going to have surgery, try to schedule wisely, so as to prevent overstaying in the hospital. And most importantly, do as you are told. If he asks you to quit your vice, quit it. If he tells you to be active, then you'd better be!

Medical expenses can really dig a hole in your pocket. Try to be wise in your medical transactions and more importantly, take care of your health.

Read More

Tips on How to Save Money on Transportation

Prices go higher every year, especially the cost of gas. Transportation is one big factor that makes the household budget difficult to cover all your expenses. Here are some guidelines to help you save money from transportation:

1.To save money, you must always check on your vehicle regularly. A well-maintained vehicle can get you out of trouble on repair expenses. You can actually spend only $50 on maintaining your vehicle and save up to $800 on repair costs in a year. You can even save more if you do the maintenance yourself and not bring your car into an auto shop.

2.If you want to save more money, it is recommended not to buy a new car. The value of a car depreciates automatically when you drive it out off the showroom of the car dealer shop. You may buy a car that is used at least one year. It will save you thousands of dollars to the actual worth of the car when it was new. The owner will then pay all the depreciated value of the car.  

3.Save money on buying used cars by comparing the prices of the car dealer and the actual price on the list of the used car dealer ads. To ensure the car that you buy is well conditioned, you may ask for the help of a mechanic to check if the car is good enough for its price. It is better to buy a used car from a person you know and trust. This will help you make sure that you have a good deal in acquiring a car. 

4.Try to compare gasoline rates. You may refuel your car with the gasoline station that offers the lowest price on gasoline. You can even save more by pumping gas yourself and use the lowest octane in your cars manual. It is also recommended that you pay cash than credit cards that charge extra rates. Do not forget to check the gas cap if it is tightened to ensure no gas is spilled out. 

5.Always keep your engine tuned-up and have your tires inflated to their desired pressure to save you more money. A well-maintained engine consumes less gas. Keep your cars trunk clean to save more fuel. Heavy loads in your vehicle can consume more fuel because of the excess weight it carries.

6.Try to limit the use of your car on your daily route. You may take the bus or the subway to save gasoline. You can also save time by ignoring the traffic that you encounter everyday on the streets.  

Read More

How to Save Money on Gifts

Giving gifts does not have to be spendthrift. As the old adage goes, It is the thought that counts. This goes to show that people can start cutting back on gifts that would cost them hundreds of dollars. It is best to opt for things that may not be that expensive but would definitely bring joy and amusement to the one who will receive the gift.

So, if you want to give gifts but with a tight budget, worry no more because there are many ways to cut back on the prices but still be able to give gifts that will be deeply appreciated.

Start a Gift Closet

If you have not done this before, try to do it now. Shop for gifts the whole year-round. This would mean less hassle and less expense, a definite money-saver.

The point here is that if you do not plan in advance, you will end up spending more.

You could try buying gifts at bazaars, special sales, and out-of-town trips, which you can deposit in your gift closet. In this way, you can buy the items at a much lower price than it would be sold for during the holidays.

However, to make sure that you do not give the same gift twice, you should make an inventory of all your gifts. This will also allow you to keep tabs on what you have in your stock.

Alternatively, apart from stockpiling gifts, collect wrapping paper, ribbons, and other accents as well. A gift is better appreciated when it is beautifully wrapped.

Be Creative

Nothing could be more amusing than a gift that was specially made by the person who gave the gift. Personalizing you gifts is far better than commercially made items. In this way, you do not only create a smile to the one who will receive the gift but would also cut back a large amount from your expenses.

Organizing Tip

One of the best ways of saving money on gifts is to be organized with the process. That is, before going to the store to shop for the gifts, always bring with you a shopping list. It should be stated there the names of the person to whom you will give the gift and the budget for each person.

The bottom line is that gifts should not be expensive. What matters most is that you have thought of the person on that very special day and thats enough to make them feel they are special to you.

Read More

Less Money and Enjoy More! Save Money on Groceries

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.

       Dont buy branded goods; instead choose a product that has the same quality of those expensive goods. Youll 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 wont matter. At least, you wont be sacrificing the taste of the food and at the same time youll 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 youre sure of how much youll 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.

Read More

Ten Practical Tips That Save Money

Saving money is not as hard as it seems.  Here are ten practical tips that you can do to begin saving money, without changing your lifestyle.  

1. Replace incandescent bulbs with compact fluorescent (CFL) bulbs.  CFL bulbs consume 80% less energy than incandescent bulbs, but give the same illumination.  Make sure to buy only lamps and bulbs that have the Energy Star rating to ensure quality compliance.  

2. Make a list when going to the grocery and stick to it! Anything that is not on the list is not a need, but merely a want so avoid busting your pockets for unnecessary items. Buy non-perishable consumables in bulk to benefit from bulk discounts.  

3. Use coupons when available.  Take the time and have the patience to clip and organize grocery coupons.  When added together, savings from using all coupons in one grocery trip can be as much as $20-$30.  Purchase dining and shopping coupons online and print them at home.  Doing so can save you at least 50% on the face value of the coupons.  

4. Buy online, whenever possible.  Online stores pass their savings from rental costs and warehousing to the online consumer, thus they can afford as much as 70% off their rack price.  When buying items online, Google it first together with the word, discount code.  This can give you further reductions on the item you want to purchase.  Try also online bidding:  they offer at least 75% off the original purchase price, for practically new (slightly used!) items.  

5. Take lunch to work.  Buy potato chips and soda from the grocery and make a homemade sandwich and pack them in a brown bag.  

6. Eat homemade dinners as often as possible.  Plan menus that are practical and easy-to-cook to encourage eating at home.  Save money by dining out only on special occasions.  

7. Use everyday pantry items for skin and body care.  Cucumbers, honey, milk, lemon, salt and baking soda are some items in your home that can also be used to take care of your skin.  

8. Avoid shopping to de-stress.  Try walking around the park or watching a movie instead.  

9. Bring your own sodas and snacks when watching a movie. The cost of sodas and snacks are at least 25% higher in movie houses.  Plus, homemade popcorn tastes much better: you can put on all the salt and butter you want!

10. Pay off your credit card balances each month and avoid finance charges.  Better yet, use cash as much as possible, unless using plastic will give you a better deal (0% interest on appliance purchases, or cash rebates).

Read More

Gas Saving Tips

The price of gasoline is on the rise. This is truly a great concern if you are following a tight budget. So how can you save some money on gas? Read these tips.

The carpool system

This is a great idea for employees and students alike. Since all of you will have the same destination, there is no need to bring extra vehicles if you can all fit in one car or van. If you are with your co-workers, it is a good idea to bring your cars alternately or on rotation. If you have children that you bring to school or social events, exchange driving responsibilities with your friends. 

Commute to work

You can always take the public transportation system when going to the office. This is also a good way to relax since you are not driving. You can even take a short nap while on your way. 

Look at the prices of different gas stations

Take time to drive around and check the pump prices of the gas stations near your neighborhood. Keep in mind that a few cents difference can add up to a lot if you continually have your car re-filled in the same gas station all the time.

Shed some sweat

A good way to save money on gas and keep yourself healthy at the same time is by walking or riding a bike to your destination. It saves time since you do not have to look for parking and also makes you healthier from the exercise. Utilizing these alternatives will also keep you from getting stuck in traffic which will surely waste a lot of your time and gas.   

Keep your car in very good condition

It is necessary to keep your car's engine in good running condition so that it will not consume a lot of fuel. When driving around on errands, plan out your route before you even get out of the house. This will minimize your trips going back and forth. If is also ideal to use the aircon as minimal as possible since it drastically increases the car's fuel consumption. 

Check your car's tire pressure

Keep it a habit to check your car's tires so each one has the right amount of pressure. Having unequal pressure can greatly affect the car's fuel economy. It is also advised for you to refrain from accelerating too fast since this means burning a lot more fuel.

These are some of the things that you can do to save on gas. Gasoline is not a renewable resource, therefore using it wisely is very important to conserve this valuable commodity.

Read More

Money Savings on Food

Thinking of cutting down your expenses on food? Then you should read the following tips. They will surely help you on reducing your food expenses. They are by no means comprehensive but they will be very useful. 

For coffee drinkers

It is a good idea to re-use the grounded coffee once. Using coffee grounds two times or more will not greatly affect the taste of the coffee. It is highly encouraged to do this using a filter that is permanent and avoid the paper variety. Keep the grounds refrigerated until using it the following day. 

For bread lovers

Grocery stores sell bread that was made the day before at a much lower price. There is nothing wrong with eating bread that was made the day before since it still is good to eat. If you have a lot of space in your refrigerator, store a lot for bigger savings. If you will eat the bread, you can defrost it using your microwave oven. Re-heat it every 30 seconds to prevent the edges of the bread from getting too hard.    

When buying from the grocery

Before going to the grocery, you should have already made a list of all the things that you really need. Prioritize basic goods and avoid buying things that you do not really need. Observe the prices indicated on the displays. Remember, branded products cost considerably more than store brands. It is also a good idea to keep the receipt of your previous trip to the grocery and make it as a basis for your purchases on your next trip. To have higher savings, buy more of the product. You can always store it in your refrigerator or in the house to minimize your trips to the grocery store.

When eating outside

If you are going to eat in a pricey restaurant, the best time for you to go there would be during lunch. Food during lunch usually costs less and this will be to your advantage. When staying at the hotel on your trips, it is a good idea to check if they also include breakfast in your total room charge. You should also find out where the locals eat. Chances are, they will eat where the food is great and the price is even better. When going around, carry with you some snacks. A chocolate bar, chips, and cookies will go a long way while strolling around. 

Eating cheaply does not necessarily mean eating bad food. Look around and you will be suprised at the options you can choose from. Take time and consider your choices so that you will not only eat a lot but save some money also.       

Read More

Patience: The Virtue That Saves

Patience is a virtue.  It takes some character to exhibit such levels of moral excellence, but did you know that by doing so, you could save money at the same time?  Read on to find out how you can economize by emanating the virtue of patience.  

Have the patience to walk instead of drive.  It saves you gas, parking and the stresses of driving.  Walking improves your health and well being while saving gas money.

Be patient: compare before you buy.  From personal clothing to health club memberships, from plumbing services to insurance plans, from car accessories to a new home; compare the offers of 3 to 5 suppliers or service providers before finally settling with one.  Let them know that you are taking the time to search the market and they may just be able to offer you the best savings.  Truly, the patient consumer is a winner!

Use coupons as much as possible.  Be patient in cutting them out and going through them before making any purchase.  Pack them together with your grocery bag or in the car so you can use the discount voucher at every opportunity.  One can save $20 - $50, just by using the coupons.  

Track your expenses.  Have the patience to keep your receipts and record all your expenses, no matter how small or frequently they occur.  By doing so, you are made aware of where every single penny goes.  Furthermore, you will know when you have spent too much on clothing, when in fact you still need to settle your credit card balance, or pay the mortgage.  You will have a better hold of your financial health, by patiently tracking your finances.

Hold-off and sleep on it!  If you are about to purchase a $100 item, hold off the purchase until youve given it much thought, say sleeping on it for 1-2 nights.  If after such time, you decide that you absolutely need and can afford the purchase, then go ahead.  Nevertheless, youll be surprised at how much you can save by just sleeping and thinking things over.  

Devote money in long-term investment.  Understand that when you take up long-term investment, you do not need the money for now, and it is not considered as part of your daily finances.  However, such money when set-aside will reap great rewards in the future.  

Exude moral excellence by patiently saving for years to come, starting today!

Read More