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).
Friday, August 10, 2007
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).
Credit Card Savings
Having a credit card is very convenient since carrying a lot of cash becomes unneccesary and you might even have a hard time leaving your credit card at home. But with its advantages comes also its disadvantages. Since you can always buy things without carrying cash around, you are always tempted to buy something that you come across. If you have excellent control on your finances then good for you. If you have a hard time managing your credit card, then these pointers can help you. Get Organized First thing's first, obtain your credit card records to have a better idea of your spendings. Be sure to double check the records for errors and ensure its accuracy. A good example would be to find out if you have outstanding debts that should not be there as well as the accuracy of the listing of your former and present address. Evaluate Your Credit CardGo over your recent credit card records and look at the interest rates. Some credit card companies have promos wherein they offer lower interest rates for a period of time and this promo may already be over yet you have no idea and are already paying at a higher interest rate. Also take note of the membership fee which they charge annually since some have very high membership fees. Consider cancelling this if you are not using it frequently. Pay On TimeIt is important to pay your bills on time since it can have a negative effect on your credit record or rating. You will also be able to avoid getting charged because of not paying on time. Try asking the credit card company to remove the overdue charge if you have forgotten to pay it on time for the first time.Manage Your DebtsIf you see that you have more debt than what is comfortable, think ahead and plan out how you will repay it or at least reduce your debt. Devise a way to pay more than what is required of you so that you will have a reduced payment schedule. Prioritize the card that has the highest interest rate. Do not bring your credit card always when you go around since temptations abound.Don't Bite More Than You Can ChewAs the saying "don't bite more than you can chew" goes, do not spend more than you can afford. True, a beautiful gold bracelet may be enjoyable to wear but its price tag may mean paying a lot for the next months. If you are bent to save money when using your credit card, unnecessary items like jewelry and the like should be at the bottom of your considerations.
Friday, May 11, 2007
About Online Survey
The survey companies send survey invitation by Email to people all over the world who are registered with them. The survey contains a list of questions designed to find out what people like, what they are interested in, what kind of products they buy, why they choose one product over another, what they think of certain products, how much they spend on various products etc., Each question of the survey has 4 to 5 choice answers among which you have to choose an answer according to your opinion. For completing a survey you will be paid $5 to $50 per survey by U.S survey companies.Indian survey companies pay Rs100/- to Rs800/- per survey.Remember that there are no right or wrong answers in a survey research and you are going to give your personal opinion only and it is a very easy job .
Thursday, May 10, 2007
Internet-Earning
The Internet-Earning website has been designed to help people discover multiple ways of making money from home using the internet. It will not enable you to quit your job immediately, but will provide ways to build your Internet-Earnings until you are in a strong position and can ultimately decide if you want to work full time from home. The programs listed vary in nature from very high risk to no risk at all, some require financial investment others are totally free, some require time investment others are totally passive.
This one is a must join free program. Earnings Example:
You click 25 ads per day = $0.25!
10 referrals click 25 ads per day = $2.50!
Your weekly earnings = $19.25!
Your monthly earnings = $77.00!
You click 25 ads per day = $0.25!
10 referrals click 25 ads per day = $2.50!
Your weekly earnings = $19.25!
Your monthly earnings = $77.00!
Tuesday, May 8, 2007
Earn through Online Surveys
Welcome to Internet Paid Surveys. Here we review the best online paid survey sites that pay you for your opinions. We feature only tried and tested paid survey companies that are really worth joining and have good reputation. Our database is frequently updated and is absolutely FREE. You never have to pay firms like surveyscout to join survey sites. Anyone who asks money in return for a database of paid survey companies are only cheating you. Go through our list of free paid surveys and join them without spending a cent.
Paid surveys are a great work from home opportunity to make some extra money in your spare time. Internet surveys are fun. At the same time, you help in the development of new products. Market research companies are interested in knowing your opinion on various matters on behalf of their clients. They are willing to pay you for the time you spend for them. Most of the reputed paid survey sites are online divisions of market research companies. They are all free to join and give rewards ranging from $1 to $100 or more per survey completed. Some paid survey sites enter you into sweepstakes where you can earn more money. Others may reward you with points which can be later redeemed for cash.
Check out the following online paid survey sites and join them to start earning from paid surveys. We have organized the paid survey sites based on where all they operate. You will see that majority of the paid survey sites accept members. Once you join a survey site, you need to confirm your email address and then complete your profiles at the survey site. When a new survey is in progress, you will be notified by email if you qualify for that survey. Join as many paid survey sites as possible to maximize your earnings. Roboform is a software which helps you to fill forms fast and save your time while joining survey sites. Visit our Online Paid Surveys page to learn more about paid surveys
Paid surveys are a great work from home opportunity to make some extra money in your spare time. Internet surveys are fun. At the same time, you help in the development of new products. Market research companies are interested in knowing your opinion on various matters on behalf of their clients. They are willing to pay you for the time you spend for them. Most of the reputed paid survey sites are online divisions of market research companies. They are all free to join and give rewards ranging from $1 to $100 or more per survey completed. Some paid survey sites enter you into sweepstakes where you can earn more money. Others may reward you with points which can be later redeemed for cash.
Check out the following online paid survey sites and join them to start earning from paid surveys. We have organized the paid survey sites based on where all they operate. You will see that majority of the paid survey sites accept members. Once you join a survey site, you need to confirm your email address and then complete your profiles at the survey site. When a new survey is in progress, you will be notified by email if you qualify for that survey. Join as many paid survey sites as possible to maximize your earnings. Roboform is a software which helps you to fill forms fast and save your time while joining survey sites. Visit our Online Paid Surveys page to learn more about paid surveys
Subscribe to:
Posts (Atom)
