Search Results for: saving money

Saving Together Means Playing Together

 Saving Together Means Playing Together

Having a shortcut to saving money is something everyone would like. With a small amount of effort in the right directions, it can become a reality. It may seem to be difficult to accomplish when looking at all the times just a little extra cash would have been nice to have but was nowhere to be found. Keeping a few details in mind, you can minimize the areas where the money seems to just disappears. Before long, the savings will start to add up and opportunities that were out of reach will be the next planned event for the family. Things like taking a vacation will cease to be a dream and instead will be a regularly scheduled occurrence that does not leave parents working overtime the rest of the year.

Traditionally, Getting to the airport in time for your flight is always a worry. One of the issues whether to pay someone to drive you to the airport which can be expensive and cause you to miss your flight if transportation is late or unavailable. Driving your own car to the airport can also be expensive and a hassle if the airport lots are full. There is an easier way. Reserve your parking in advance with Got Parking. By reserving your parking in advance you have one less thing to worry about, and you will save money that you can put towards making your time away more enjoyable!

To figure out where all the income is being pulled into, which is surely a black hole from which there can be no escape, take a look at the bank statements of previous years. While examining these records, pay close attention to all the things that are not absolutely essential expenses, such as eating at restaurants and ordering takeout food to start. Next, look for the items purchased from retailers that could have been just as easily left on the shelves for the next person trying to give away their wages. Another option is to go on a scavenger hunt around the house for products that have not been used and can be returned, even if only for credit. The credit can be used for necessities as an alternative, like food, if they can be taken back to a store that also houses a grocery section.

An approach that is often overlooked when trying to find ways to save money on a regular daily basis is to limit wasting electricity when it is not actively being used. It just requires at least one individual to pay attention to what is not frequently needed and simply make certain to always unplug it. Most electric devices, especially those with a digital display that is always on, have an initialization circuit that constantly uses power when they are not in use or even turned on. Additionally, entertainment electronics should also have the plug pulled out in every room of the house or be connected to a multi-plug surge protector that is turned off when not necessary to run. Appliances can all be a significant cost to leave plugged in like:

  • Clothes washers and dryers
  • Hair dryers, curling irons, straighteners, etc.
  • Countertop machines like can openers, blenders, coffee makers, etc.

All of these modest adjustments will have a major influence on the amount the power company claims is owed at the end of the month. To save further in common places of loss, be sure to keep windows and doors closed at all times when the house is heated in the winter unless there is an unavoidable reason to open them. This will prevent the furnace from having to use additional power to reheat the space when it should not have needed to. Incorporating these basic guidelines into the daily routine can sound like a lot of hassle, but it is only a matter of changing inefficient habits into ones that conserve energy and costs. Teaching other members of the family to do these same things will eventually create a far more economical lifestyle, which easily provides for the fun stuff everyone loves to do.

Ways to Save Money on Your Monthly Expenses

Save money on your monthly expenses

 

The cost of living these days is hard on everyone. Your expenses increase but your paycheck doesn’t do the same (or at least as often). Even if you have enough to cover your bills, it may not be enough for you to budget for things like savings, future planning, and entertainment. The stress of not having enough money to live life is stressful and, quite frankly, no way to live. The truth is, it is possible to save on things you need and use all the time. You just have to know where to look.

 

Mortgage or Rent

Your monthly mortgage or rental payments are likely your biggest expenses. Depending on where you live, this expense alone could take up more than a quarter of your income. There are a number of ways you could free up cash or find ways to save on housing costs.

Refinance – for homeowners who feel they’re paying too much for their mortgage each month, there is an option to refinance to find savings. If you qualify, you could receive a lower mortgage payment, shorter loan terms, or lower interest rates – all of which can save you money in the end.

Negotiate – renters may feel they don’t have any options when it comes to housing costs, but they often do. Do some comparative research to see what other tenants are paying in your area. You can use this information to negotiate a lower payment with your landlord. You might also offer to complete your own repairs (of a certain dollar amount) in exchange for a lower rate.

Sublet – both renters and homeowners may have another option to save money on their housing costs – subletting. This is where you allow someone else to move into the home to help cover some of the expenses. You can rent out a room and use the payments to cover all or part of your rent or mortgage. If you’re a renter, make sure subletting isn’t a violation of your lease.

 

Utilities

Another monthly expense that can’t be avoided but can also be very costly is the utilities. Paying for gas, water, and electricity can really add up, especially during seasons where it’s extremely hot or cold (as the heater and air conditioner are in constant use). There are, fortunately, a few ways you can save on utilities as well.

Energy audits – hire an electrician to complete an energy audit of your home. This assessment will give you a clear picture of how much energy you’re using and what areas could use improvement.

Solar energy – if you’d like long-term savings on your energy costs, consider solar energy options. You can consult with some of the best solar companies in Utah or wherever you live to find out about installation rates. Though a hefty initial investment, the reduction in energy use will save you money each month on your energy bills.

Weatherizing – if the electrician told you that your home wasn’t efficient, it could mean that you need to weatherize your home. Sealing up holes and cracks, adding insulation in the basement and attic, and potentially investing in better windows and doors for the property can reduce energy waste which saves you money.

Water conservation – to slash the costs of your water bill you’ll need to practice conservation. Installing timers for the shower, and using a low-flow toilet can decrease the amount of water used every month.

 

Groceries

Your family has to eat, but paying for groceries each week can be taxing on your budget. Here are a few ways to save on food for your family:

Use coupons – coupons are just like cash and should be used as such. Clip coupons from your local newspapers, hold onto coupons received in the mail and check for printable coupons online to save hundreds of dollars on your groceries each month.

Buy store brand – name brand food products may be what you’re used to, but they generally cost more than generic brands. The truth is, the store brands taste just as great. To save money on your groceries start buying store brand items. 

 

There’s no denying that it’s getting more challenging to raise a family on a budget. There are so many things that your family needs, but finances are often limited. If you can’t change your financial circumstances (like getting a higher paid job), the next best option would be to learn how to find savings. Whether it’s your healthcare, car maintenance, mortgage, rent, or utilities, there are ways around paying full price. Before making a purchase do some research to determine the best ways to slash those prices.

Managing My Money the Adult Way

Image courtesy of Stuart Miles / FreeDigitalPhotos.net
Image courtesy of Stuart Miles / FreeDigitalPhotos.net

 

I’m old enough to remember what it was like to have to sit down every month and balance a checkbook—not just because I watched my parents do it but because I had to do it too. Paying bills and managing money online seems so normal now but really, it’s only been normal for a few years. A decade ago very few people trusted the internet enough to let it manage their bills and almost nobody had anything that remotely resembled a smart phone. Heck, it was just two years ago that Investopedia was warning us against using personal finance apps and tools.Continue Reading…

Save Money on Summer Fun!

Save money on summer fun with Frugaa - over 30,000 active coupons!

 

Summer is here, for those of us north of the tropics, and it’s a great time to get out with the family and make some memories!  It’s also a time for projects, shopping, vacations, and many other activities that drain the bank account quickly.  Some of you know that when this blog started, I focused primarily on deals and coupons, as opposed to reviews of money or time saving products and ideas.  But I’ve found a site with so much savings I had to share!

Frugaa has over 3,000 stores with deals available, and currently more than 30,000 active coupons!  There are deals you might not even think to look for.  Lately, Hawaii has been on my mind a LOT.  We moved back from Oahu three years ago and it’s easy to get homesick for the islands!  With a lot of talk of going back lately, I started looking for deals on travel expenses (putting aside the savings I had been searching for – materials for our home remodel).  To my surprise, there were a number of coupons from Hawaiian Airlines for both large and small ticket and upgrade purchases!  We love Hawaiian Airlines, and have used them for every single trip between Hawaii, the mainland, and for small inter-island trips.  There were tons of other deals for car rentals, hotels, and stores along the way, too.

So I finished up looking at my wish list for heading back ‘home,’ and got back to our bigger summer (and year-round) project: remodeling our house.  It was a foreclosure, and needed a lot of work, tons of changes, and all this was no big deal… and then my husband had a heart attack.  Now we’re taking it slow and making sure to find deals along the way, and Home Depot has a lot of clearance and sales, many of which are in store only, but often work with coupons.  Sure enough, Home Depot has coupons on Frugaa as well.  There are a number of coupons available, so we’ll be able to use more than one and save even more money.  In fact, I already used one for a Father’s Day gift (Ok Ok, tool type gifts are kind of for me so the house can get pretty, but he likes his Ryobi tools)!

 

Frugaa

 

What are your summer projects, goals, and dreams?  Hurry up and take advantage of the coupons and deals, and check back to their convenient new coupon tracker so you know when new deals are added!  The more money you save, the more projects you’ll be able to pack in to your summer!

 

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