4 Easy Ways to Save on Things You Need to Buy Anyway

When trying to save money, you probably frequently go without things that most people perceive as luxury items, such as gourmet coffee, dinners at nice restaurants, and tickets to plays or cinema showings. 

However, how can you continue to save money when it comes to things you must buy?

Use Apps That Help You Find the Lowest Prices

If you’re buying things like gas for your car or groceries for your household, don’t just get those products anywhere. 

Take a better approach by downloading a few apps that give you insight about the cheapest places to buy the things you need. There are some that even pay you to buy groceries.

Stock Up During Limited-Time-Only Sales

Many stores advertise low prices for products and specifically mention that they’re not associated with a special offer, meaning the items will cost that much even a few months from now. 

However, limited-time-only sales are very popular too. Merchants like them because they stimulate the desire to buy, and shoppers gravitate towards them because they love being able to get the things they need for less.

Keep an eye out for the sales that occur during a short span of time. In many cases, they’ll give you opportunities to take advantage of buy-one-get-one-free offers. 

- A Millennials Guide to Saving Up To Move Out -

If a promotion like that applies to a kind of dish soap you always use, but you’re not quite out of it, it’s still smart to buy the soap while the special offer is in effect. After all, extra dish soap is easy to store under the sink or in your pantry.

Join a Membership-Based Warehouse Club

You may also find excellent savings on things you need to buy anyway by deciding to join a warehouse club that’s only open to members. Costco is one of the most well- known stores that requires membership. 

Warehouse clubs like Costco often sell items in bulk for less than they’d be if you bought smaller quantities of the products.

Furthermore, they tend to have their own brands of some products, and those versions have especially attractive prices. 

Joining a warehouse club could help you save money, plus introduce you to new varieties of things you wouldn’t have known about if you weren’t a member.

Buy Your Insurance From a Local Representative

The internet makes it easier than ever for people to do things independently. From booking hotel rooms to purchasing insurance, those are just two of the many things that can be done online rather than relying on professionals.

When it comes to insurance, though, it’s a good idea to get your coverage from a local insurance agency instead of taking a do-it-yourself approach. 

Your insurance specialist can match you with an affordable plan that’s right for your needs, whether you need coverage for a car, your home, or your health.

The insurance representative can also explain all the benefits that are included within the scope of the coverage. The more informed you are, the more you should feel like your insurance is money well spent.As you can see, spending less on essentials isn’t impossible. In fact, you can start doing it today.

Tired of Gas Prices? 5 Tips for Ditching Your Car and Still Getting Around

Gas prices have almost tripled since 2002, causing many people to ditch their cars to save money. Leaving car ownership behind is easier when you have confidence you can still get around. Good news - you can survive without a car, even if you don't live in a major urban area. Here's five tips to help you get started.

1. Use Public Transportation

A handful of cities are known for such excellent public transportation systems that having a car is an anomaly instead of a requirement. But most cities have some public transportation. Consider buses, trains, trollies and even publicly available bicycles.

Scheduling your day around public transportation can take some adjustment. Research makes the transition easier. Look up routes, print out a list of exchanges and times and program the customer service number into your phone for quick information.

While taxis aren’t as cheap, they can definitely do in a pinch when you need to get from point A to point B very quickly. A taxi service in Naples might be just the thing for you, and you always want to make sure you get a ride from a trusted company, like Southwest Florida Transportation Group, Inc. Don’t just hop into any old yellow car and hope it’s a taxi!

2. Walk or Bike

What's a great way to learn more about your city, get some exercise and save on gas? Using your own two feet as your primary mode of transportation. Walking is free and even investing in a good bicycle pays for itself in a couple months of saved gas bills.

Living in a central location that allows you access to frequent destinations may be more expensive than other housing options. Keep in mind the money you're saving without a car payment, gas bills and car insurance when making your budget. 

3. Reduce Your Trips

Without a car, you learn to consolidate trips. Not running out for fast food may be inconvenient at first, but you'll be saving even more money in the long run. Whenever you need to go out to the store or run other errands, plan ahead. If you need to go to the grocery store or if you need to go get your haircut, go to the grocery store last. This will allow you to take care of all of your other tasks without letting any of your food going bad and it will prevent you from having to go back to the grocery store later. It will also give you time to think if you need to add any more items you need to get at the grocery store to your list. This will help you avoid the risks of going back later because you forgot an important item. Work ahead to avoid unnecessary trips. Plan out your week's meals and shop for everything you'll need at once. Odds are, you'll eat healthier, too.

4. Buy an Alternate Motorized Vehicle

Electric bikes, mopeds, scooters and motorcycles are growing in popularity as gas prices rise. They are the best of both worlds - you can travel long distances in short amounts of time and use less gas than traditional cars. A bonus is that many options don't require insurance.

5. Car Sharing for Special Trips

No matter how satisfied you are with your car-free life, there will come a time when you simply need a car. In those situations, consider a car-sharing program. City Car Share, i-Go, FlexCar, ZipCar and Lyft are just a handful of the options available. Some research will help you find the best car-share program for you.

5 of the Best Ways to Save Money with Your Morning Routine

If you are looking to cut a little spending out of your budget and save some money, you can start with your morning routine. Only a couple hours after waking up, most people have already spent an enormous amount of money, though, they often never recognize these expenses. Here are five ways to start the day off with savings.

1. Save on the water you use

The average shower in the U.S. lasts a little more than eight minutes and uses more than 17 gallons of water. This is an enormous amount of water that is wasted, and it equals an extremely expensive shower. If you truly want to save money in the morning, consider taking a “military shower.” Simply turn on the water and get yourself wet, then proceed to wash yourself, only turning the water back on to rinse yourself off. While this might not be the most comfortable shower, you will end up saving a huge amount of money just because of the water that you didn't use.

2. Turn down the heat

By keeping your water heater set at 120 degrees instead of 140 degrees, you can save up to 10 percent on your heating bills, and you are unlikely to even know the difference when taking your morning shower. Turning down the heat on your water heater is also recommended if you have young children in your home, since this will prevent accidental burns and other problems.

3. Dispose of the disposable

If you are using a disposable razor to shave every morning, you could easily be spending a dollar a day, depending on the quality of your disposable and whether you use a new one each time. If you buy a shaving brush kit instead, such as those provided by The Art of Shaving, even though it may be a large initial investment, you can save a considerable amount of money for the rest of your life, and your face may thank you as well.

4. Cut out the coffee stop

If you are a coffee drinker, you can save a ton of money on your morning routine by making your own coffee at home instead of stopping at a Starbucks or some other coffee shop. A cup of coffee at a coffee shop usually costs anywhere from $1 to $2, whereas you can buy a pound of coffee for as little as $5, depending on the quality. By making your coffee at home, you can save $5 or more a week, which adds up to an enormous amount of savings.

5. Lights out -- and other efficiency tips

Before leaving the house, make sure you take stock of your energy efficiency. Make sure all lights are turned off. You also should unplug any electronics and appliances that don't need to be plugged in. Also, set your thermostat cooler in the winter and warmer in the summer during the day when you aren't home. You might also close drapes or open them depending on the season. All of these small little actions might not seem like much, but over time you might find that you are saving a huge amount of money on your energy costs.

Six Ways to Save Money on Your Home Technology

Technology can easily become very expensive, but it does not have to. Here are six ways you can save money on your home technology.

1. Shop Around

One of the easiest and quickest ways to save money on home technology you are looking to buy is to simply shop around before you make your purchase. A gadget’s price can vary widely from store to store. Compare prices for both online and brick and mortar stores on the internet. One quick search could save you hundreds of dollars!

2. Shop Sales

Being patient can really pay off if you wait until your gadget is on sale before you buy it. Black Friday is the most well-known sale day for electronics, but it isn’t the only one. Cyber Monday, Black Friday’s online counterpart, happens the Monday after Thanksgiving. Good deals can also be found during Back to School time and Christmastime as well.

3. Take Advantage of Rewards Programs

Some stores offer incentives for you to shop with them. They may offer you a free product or a money saving coupon after you spend a certain dollar amount at their store. If there is a technology product you buy frequently, like printer cartridges, you can end up saving some real money this way. Of course, skipping buying new cartridges and just getting a printer cartridge refill is a good option too.

4. Buy Used or Refurbished

Another good option is buying your electronics used or refurbished. With so many people always looking to upgrade as soon as possible, it is completely possible to get a used phone or television that has not actually been used that much. If it is relatively new and still works well, why pay more?

5. Get Rid of Excess Features

Make sure you are not paying more than you should for features you don’t even use. If you mostly watch local channels, you may not need the top-of-the-line cable package. If you have a cell phone you use for all your calls, you may want to get rid of your landline. You may choose to buy the basic printer without the fax and scanner you have no use for.

6. Ignore the Joneses

One of the best ways to save on technology is simply to ignore the Joneses. Use your phone awhile longer instead of always having to have the latest and greatest upgrades right away. Take care of the electronics you have so they last. Buy last year’s model.

Using these six tips will ensure that you will have the technology you love without spending an arm and a leg to get it.

Ways You Can Save Some Extra Pennies Monthly Around The Home

The country's financial situation is an accurate reflection of the kind of position the average American is in. Jobs are scarce, money is tight, and the expenses just keep rolling in. As a result, people have begun reaching for any possible way to save a few extra dollars every month. This can be hard at first, but the more you do it, the easier it becomes to find other ways to cut costs. Bills like utilities and insurance are pretty inflexible, so it's not wise to start looking here. It's better to analyze the budget you've set for more variable aspects like groceries and household supplies. Here are some tips that can save you some extra pennies around the house.

Re-Use It

During the course of their day, people throw out many potentially useful things. By identifying these and diverting them to other purposes, you could save a lot of money. The bags you put your produce in at the store can usually be re-used for anything else that requires a bag, such as snacks and leftovers. Plastic and paper grocery sacks make excellent liners for small trash cans and are completely free. Even wet paper towels can be left to dry and used again. The more substitutes you can make and the further you can stretch the products you buy, the greater your savings will be.

Be Your Own Salon

Going to a barber or stylist means you get the benefits of the skill without having to invest the time, but it can cost hundreds of dollars each month to maintain. You're much better off if you opt to do your own hair and shave. All you need is a good pair of scissors, a hair trimmer and a quality shaving kit from The Art of Shaving. Once you develop skill, there's even potential to sell your services to others.

Have A Vegetarian Day

Nobody can deny that meat is expensive. Taking one day each week where you restrict your animal protein intake to eggs and dairy will shave a tidy sum off of your grocery bill. It's even better if you can do this with one meal each day in addition to an all-vegetarian day.

Cook From Scratch

Heat-and-eat foods are convenient, but they're also phenomenally expensive. When you compare an equal serving of the same food made from scratch, you actually end up paying several times more for the pre-packaged one. Besides being cheaper, meals made from scratch also be healthier and more nutritious, which makes you feel better overall. With the right utensils and recipes, cooking wholesome and inexpensive meals is something even the busiest people can do.

Use Rags

Paper towels are another expense that can hit your wallet hard. They're great for mopping up messes, but you end up feeling like you're cleaning with dollar bills. An effective alternative is to use rags for anything that doesn't absolutely require a paper towel. Since they can be rinsed and washed, there's no waste. Plus, you can use either your worn-out washcloths or bits cut from old t-shirts to make effective and free cleaning rags. This also works as a replacement for disposable dish sponges.

How to Save Energy on Your Home Air Conditioning

There is a lot you can do in order to ensure that you do not waste energy on your air conditioning. After all, you use your air conditioner the most during the summer. In fact, there may be days when you do not wish to switch it off at all. In hot climates, having an air conditioner is very important. So you need to find out ways, which are the most energy efficient, in helping you to cool your home. This way you will not have to pay any high energy bills. Thankfully, there are many different things you can do in order to use your air conditioner in a more efficient way, spend less money, and avoid wasting energy too.

First, you need a thermostat that is programmable for your air conditioner. This is a device that is temperature sensitive. Once it is programmable, you would be able to control when your air conditioning is switched on. You need to choose from the various programmable thermostat models available in order to find the one that will suit your specific needs. There are models that you can program for the whole week. This will suit those who have varying schedules and routines. So you can program each day depending on when you leave and when you come back.
There are also the five and two day models. These can be programmed for those five weekdays and the two days at the weekend. This is best for those who follow a different schedule during their weekend.

With a programmable thermostat you enjoy a cool house when you leave and be welcomed by a cool house when you return. Your air conditioning will get switched off during the rest of the day. You would be saving on energy this way.

Second, you need to think of solar energy in order to keep your home cool and to save on money too. The solar panels you use will take in energy during the day. You can use this energy in order to power the air conditioning system of your home. This way you would be using the sun in order to keep your home cool. Even though you should not turn towards solar energy for all your heating needs, but this is definitely an efficient way for you to lower your energy bills. Even though the start-up costs for using and installing solar panels may be somewhat expensive, the long-term savings that you would be making will make it worthwhile.

Of course, regular maintenance is important but is often neglected by a lot of people. You need to clean out your system each month. This will help you to get rid of any kind of dust or debris that may be lying around. You must replace the filter, too. Having less dust will ensure that your air conditioning system works more efficiently. You will also save energy this way. 

These are simple techniques that can be practiced by all in order to save on energy bills. Click here for more energy saving tips.

Learn Different Ways Of Saving Your Money

Some say love makes the world go round. Many now say money make the world go round. Money is truly a critical factor to living life on the earth as it is. Money defines power and capability. All issues in one way or another lead to money. Even the good book used by the Christians says, "Money answers all things". However, it is never about spending all the time. It is definitely wiser to save than you spend. This assures you of financial security and teaches virtues such as inner discipline, self-control and contentment. Here are a couple of ways you can save money

Cost effectiveness

Different brands are there on the market when you go buy stuff. Make sure to do your research before you use your purchasing power. This enables you to know what product is best; thus, your money never goes to waste. Without compromising on quality, you are also well equipped to choose what product to buy as the prices from different brands of products. It may seem like a small margin but cumulatively it amount to quite a lot, which is utilizable for other purposes or even save it. 

Avoid luxury

As the word suggests, they are not necessary and so it is best to avoid them when and if you can. If you will not need a new function, it is better not to buy the newest phone on the market that is fancy and instead remain with your former. Businesspersons would say there is no return in that investment. Some people even have the tendency of purchasing stuff without proper knowledge of it, just because it is new and advance. You would rather remain with your old school brand if it suits you comfortably. New is not always better. 

Save as you earn

Do not save what remains after spending. Instead, spend what remains after spending. In fact, such habits like smoking, which are expensive can be turned around by indulging good e-cigarettes to help you quit. This is an ideal practice, especially for those who expect something at the end of the month or the week. Develop the habit of setting aside a certain amount of money once your wages and income gets to you. It is best if you transfer it elsewhere and forget about it. It may come in handy during a rainy day, dealing with disasters and emergencies. It is always best if you are prepared. 

Avoid being spendthrift

Being spendthrift should be a great vice for one aiming at saving money. It creates the tendency of spending money in a way that you had not intended to in the first place. One, you get to buy something that you do not really need. It was never initially on your mind as you went out. Most probably, you liked it because of its attractiveness or good bargain. Two, you purchase the item at the expense of another. It is always best if you do not walk around with cash in close range e.g. in your pocket if you have this habit.

Remember that wasting is the opposite of saving. Therefore, apart from setting money to the side, it is also quite helpful if you cut down on costs, especially those that might be unnecessary.

Author Bio

Alisa Martin is a renowned financial adviser all over the country. She also has a passion of keeping her followers informed, thus writing various and diversified topics in her blogs. She is also in the lead front in technological advances, well known in the light of ego ce4 and much more.

5 Easy Steps for Saving This Year

saving and spending (Photo credit: 401(K) 2013)

If you’ve made the decision to finally cut back on your expenses and save some money for a change, you’ve come to the right place. This article is going to outline five easy ways in which you can save money for the rest of the year, to ensure that your Christmas won’t be as sparse as last year’s.

Sell all the stuff you don’t need

By selling off all the unnecessary junk that’s piling up everywhere in your home - in your attic, under your bed and in the storage cupboards - you can give your year of saving a sharp kick start. Go through all the CDs, video games, old gadgets and clothes you don’t want, and try and pawn them off for some cash on a website such as www.musicmagpie.com.

Kill your debt

After the boost from selling some of your stuff, it’ll be slightly easier to go about slaying the debt that’s been mounting over you. If you’re in a lot of debt, you should make it your first priority to eradicate it completely.

By eradicating your debt, it’ll be easier to start saving money for yourself. The faster you do it, the faster you can kill the interest rate, too.

Set yourself goals

Setting yourself manageable goals is a good way of sticking to your new money-saving regime. It depends on what you’re saving for, though. Building a holiday fund for a trip at the end of the year is different from saving up to buy your first home, for instance.

If you set yourself a number of goals to meet, you’ll be more motivated to actually meet them.

Set yourself amounts to save

Once you’ve got your goals in mind, the next thing you need to do is figure out how much exactly you’re going to be setting aside from your income each month towards your goals.

So, if it’s a new video game console you’re saving up for, calculate how much you can afford to set aside each month without impacting on your required expenses. This kind of organisation will add to your new regime of saving and will make you more committed to save.

Get a personal financing app

If practicing this level of saving is hard for you to commit to, you might want to invest in one of the many personal financing apps that are available to smartphone or tablet users. These nifty programs analyse your earnings and expenses, and can even link up to your bank account to show you up-to-date information on how much money you’re spending and saving.