Easy Money Saving Tips for College Students

May 19, 2012 by  
Filed under Save Money Each Month

Article by Alex Kelly

Easy Money Saving Tips for College Students – Education – College and University

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Are you looking for money saving tips that work for a student budget? You’ve come to the right place. As a college student without a full-time income, it can be difficult finding savings advice that actually applies to you. But, whether it’s funds for study abroad, books for next term, spring break with friends or a new computer, you still have some very tangible savings needs. And, there are simple things you can do to save money with a limited budget.

So, here are some simple money saving tips to get you started. First, you should absolutely start saving during college! Tuition aside, your expenses will probably never be this low again. The best thing you can do now is start to build a student savings account, no matter how small it may seem. When you graduate and the bills get bigger, you’ll be glad you have some cash to fall back on.

1. Look for a campus jobSo, before you can start saving, you have to accumulate some money. Look for a campus job where you can earn money during college. Students perform jobs all over campus, from tutoring, cleaning dorms and serving food in cafeterias, to working at the library desk or office of admissions. Not only will this put money in your pocket, but campus employers are generally more understanding about your class, study and activity schedules. You could also look off-campus for work as a waiter, store clerk or babysitter if your schedule allows it. You may be able to find an internship or field work in your area to gain some experience and prepare yourself for your postgraduate career.

2. Find little ways to save by living like a student Once you have a job, even if it earns you per week, focus your attention on spending less. Reducing your spending is actually more important than finding another job to earn even more money. That sounds crazy, but here’s why: Let’s say you earn per hour working in the library or cafeteria. If you work six hours in a week, you’ve earned . Now, let’s say it’s Friday and you buy pizza and go to a movie for a total of . You’ve just spent more in three hours than you earned in three hours!

So, your choice is to either work more hours to make up the difference, or save it in the first place by looking for cheaper alternatives that are still fun. It’s a lot less effort to save it. For example, if you choose to rent a movie or use your meal plan for dinner, you can reduce that bill. Take the money you saved by making smart choices, and use it to open a new savings account.

3. Start small and open a savings accountNow that you’re monitoring your spending, reward yourself for your efforts by opening a student savings account. Rather than sticking the you didn’t spend at the movies in your desk drawer, deposit it into a savings account that can earn you interest.

Once the account is open, ask if your bank offers automatic deposits. Most do. You can set up automatic deposits to transfer money from your checking into your savings account. Even depositing per week can add up fast. In just one year, you’d have saved more than 5, and with automatic deposits, you probably didn’t even notice.

4. Look for more ways to saveOn top of your automatic deposits, see if your bank has any cash rewards for saving. For example, bundling a savings account with a student checking account may make you eligible for better interest rates or student discounts on things you buy most often, like food, entertainment and books.

Other banks will help you set realistic savings goals and track your progress. Then, when you reach your savings goal, you may be eligible for a cash bonus.

Just following these two money saving tips could earn you money without costing you anything or making you change your habits.

5. Take the next savings step with a money market account or CDIf you’re successful at saving with a student savings account, you may want to look into CDs and money market accounts. These types of accounts are especially appealing because they have higher interest rates. The downside is that you need a higher starting balance, and you’ll have limited access to it. So, these accounts are best if you’re trying to save for something big like a down payment on a car or maybe airplane tickets and study abroad tuition. You’ll earn more money in interest and you won’t be able to tap into these savings since they have limited access. (Technically, you could, but you’d have to pay a substantial fee.)

Keep looking for convenient ways to saveThere are plenty of feasible ways for college students to save out there – just look! You can find student discounts for the movies, restaurants, public transit, textbooks, car repairs, laundromats and more. You can also look for fun events and student services on campus that cost nothing. Just asking when you make a purchase if your student ID makes you eligible for a deeper discount can keep money in your pocket. You can also find more helpful money saving tips and savings account choices from a trusted bank like Citizens Bank.

About the Author

Alex Kelly is a senior content specialist at one of the top interactive agencies in the U.S.

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whereby the original author’s information and copyright must be included.

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Alex Kelly is a senior content specialist at one of the top interactive agencies in the U.S.












Use and distribution of this article is subject to our Publisher Guidelines
whereby the original author’s information and copyright must be included.

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How To Save Money On Car Insurance

May 16, 2012 by  
Filed under Save Money Each Month

Article by Bill Funder

Many drivers over the age of 25 remember taking drivers training in high school before they qualified for their learners permit then their driver’s license. One of the things that should have been taught during drivers training in high school was how to get cheap automotive insurance. Sadly that is the topic wasn’t taught during drivers training and many drivers are paying for it today with the expensive cost of insurance premiums they are paying every month.

How To Save Money On Auto Insurance

Saving money on your current car insurance policy and even finding a cheap insurance policy for your vehicle is actually a lot easier than you think. Here are ten things that can help you start saving money on auto insurance this month. 1. Secure your car with a theft detection device. 2. Park in a garage at night. 3. Move to a safer neighborhood (if possible). 3. Pay a higher deductible. 4. Pay for the year up front instead of monthly. 5. Pay your premium on time when it’s due. 6. Always ask for discounts. 7. Bundle your car insurance policy with other insurance products that the same company has. 8. Maintain good credit. 9. Stay loyal and get to know the people In your insurance company. 10. Always maintain a clean driving record.

Did You Know?

Some of the things that most car insurance companies will never tell you are: 1. Higher profile, expensive cars cost more to insure than more affordable mid-sized cars. 2. The color of your car can also make your vehicle cost more to insure. 3. The condition of your vehicle will also affect the insurance price. These are just a few things your insurer probably never told you and if you’re more knowledgeable when speaking your insurer especially the next time you go for a new policy you will be better informed and more prepared.

Bill is a consumer journalist. He believes in bubble baths, red wine and cheap car insurance. He lives in North Carolina with his dog Regis.










Expand the description and view the text of the steps for this how-to video. Check out Howcast for other do-it-yourself videos from jonz and more videos in the Grocery Shopping category. You can contribute too! Create your own DIY guide at www.howcast.com or produce your own Howcast spots with the Howcast Filmmakers Program at www.howcast.com Learn from those crazed coupon clippers who’ve figured out how to buy 0 worth of groceries for 50 cents. To complete this How-To you will need: Sunday newspapers Coupon websites An accordion folder Store circulars Lots of patience Step 1: Search the Sunday papers Don’t limit yourself to one edition of the Sunday paper. Serious savers carefully go through the coupon inserts in several editions, because different papers carry different coupons. The money you save will more than offset the cost of the papers. Step 2: Print out coupons Print coupons from internet sites like coolsavings.com, smartsource.com, hotcouponworld.com, coupons.com, couponsurfer.com, and ppgazette.com. Tip: Into green living? Check the internet for organic coupon websites like organiccoupons.com. Step 3: Check brand websites If you can’t find coupons for your favorite foods, check the brands’ websites; they sometimes offer printable coupons. Step 4: Get organized Organize your coupons in an accordion folder by food type — frozen foods, cereal, beverages, etc. — and arrange them by expiration date. Step 5: Know supermarket policy Check your local supermarkets to
Video Rating: 4 / 5

Surefire Ways to Help Save Money on Your Next Home Improvement Project

May 12, 2012 by  
Filed under Save Money Each Month

Article by Daryl B. Chapman

In the midst of today’s financial issues, finding the best ways on how to save money is a absolutely important matter. This also extends to house improvement plans and other house enhancement projects. This is because, it is certainly one of the most difficult to control in terms of funds because of so many sudden expenses although you planned it well. When doing these types of projects it is always a good idea to get some opinion from experts and other people who have already done it before. Consider and try these ideas in order for you to save time and cash.

Choosing and buying a new house can be considered as enjoyable, exciting and at the same time exhausting. It is an exhilarating experience for the new homeowners because it is regarded as an accomplishment. Moving can be mentally taxing to think about all of the modifications that need to be done before settling into another place. After long time of searching, negotiating, and planning for the move, the final thing that most homeowners may worry about is repairing and fixing up the interior of their new home. In some cases, the changes are minor which might involve new light bulbs, ceiling fixtures, and new appliances. On the other hand, there are certainly a great number of cases wherein complete repairs are actually necessary to make life comfortable and easy in the new house. Some of it might not even be functional. Some of it might include kitchen sink, laundry area, toilet and flooring and proper heating if you’re in a state where it gets really cold during winter. Fortunately, here are now lots of ways to cut cost and save money when dealing with both minor or major home repairs.

Painting and Redesign

Homeowners should think about having their home painted since this is considered as one of the easiest ways to upgrade your house, not to mention the most economical approach. In addition, homeowners can also decide to paint their old furnishings to make them look better. For example, you can redesign an old table, dresser or even picture frames by painting them and adding a protective coat over furniture is a good idea to make them last longer.

Try Some New Lightning and Wall Designs

Also, you can also simply enhance the look of your house by altering your fixtures. You can change your old light fittings with the latest versions to make your house look up-to-date. There are so many new fixtures you can find in discount stores and hardware shops in your area. It is recommended to visit them and take time in choosing what best suits your needs and budget. Lastly, you may even add wall decors that will brighten up the look of your rooms, including the living room.

This is the time and place to put your artistry in good use. You may put some photos or art, even cheap ones, on your walls. It’s just a matter of how you present it. You may even use your children’s arts, put it in a nice frame and hang it on your kitchen or study area. Some homeowners add exquisite wall stickers and decals to their home’s surfaces in order to make them more attractive. If you are considering home renovation one of these days, these useful tips can make your project easier.

Find out what you can and can’t do

As soon as you begin to look into your house renovations, try to see if there are small things that you can already do by yourself. You may possibly then decide if you want to go ahead and do it or take someone if you also have bigger plans and just include the small things along the way. The thing about working on this kind of improvement project yourself is to know what you can and cannot do. For example, nearly anyone can can re-paint the walls, or any room of the house. This is not something that you must contract out to an expert or professional. On the other hand, difficult electrical work may require more expertise than you have and should be left in the hands of a professional.

Use High Quality Products for Long Term Savings

Before you begin executing a house redecoration project or hiring a contractor, you will have to to think of the costs of the redecoration in the long term. Choosing high quality products will more likely save large amounts of money in the future.

Organize your clutter with the use of entryway furniture. Make an informed purchase by clicking on the link and discover relevant information about this dazzling piece of furniture!










Find Cheap ATV Bargains – 10 Ways to Help You Save Money

May 9, 2012 by  
Filed under Save Money Each Month

You’re in the market to buy an ATV (all-terrain vehicle) and you’re not sure where to find a cheap ATV bargain, or even what it will look like when you find it. You’re not alone, in fact over the past two years as editor of ATVStyle.com I’ve received countless emails, forum messages and PMs from people asking me if an ATV they are interested in is a good bargain.

Step #1 – Be patient, the ONLY way to recognize a cheap price or great bargain on a used ATV is to take the time required to get a good understanding of the current market value for the particular ATV you’re interested in. Different ATV brands sell at different prices from model to model and year to year.

Step #2 – Know which ATV you want to buy. Its much easier to find a bargain on an ATV when you’re actively monitoring just one or two particular models, if you don’t choose the type of ATV you’re going to buy in advance, the ATV will choose you.

Narrow down your search, be specific.

Step #3 – Join an ATV forum and ask for member feedback, in fact join several and don’t be afraid to speak your mind and voice your concerns. If other members have owned a particular ATV model and know that it has specific traits you need to be aware of they’ll let you know, the seller won’t.

Step #4 – Take notes. Watch places that sell ATVs regularly and take note of the prices being reached, the real prices, not the asking prices. eBay Motors is a great help with this, you can sort auctions by ending soonest and filter your search to your specific model, do this for a week and watch the final prices closely. Write them down, the longer you watch the more accurate your expected price range will become.

Step #5 – Ask for what you want.

Sites like Craigslist and employee bulletin boards allow you to post free messages saying that you’re looking to buy a specific item. State the type of ATV you’re looking for as well as the price you’re willing to pay and its possible that someone contacts you with an ATV that wasn’t for sale otherwise.

Step #6 – Compare, compare, compare. BEFORE you spend your money is the time to compare ATV features, pros and cons. Spend a little more time in your favorite ATV forums just reading what others think of the ATV you’re interested in. A good tip here is to avoid forums dedicated to just one brand because you will only read biased reviews. ATV Forums dedicated to one brand only are better known as clubs, you want reviews, not a club.

Step #7 – Negotiate. No price is set in stone, In general I recommend knocking off 25% as your opening offer and expect the owner to not like your offer. He/she will likely begin telling you it’s worth more than that, it’s not your job to agree with the owner, it’s your job to convince the owner you may walk away unless the price is lowered. A good method of lowering the price is by pointing out the flaws, even a perfect ATV has flaws, even if it’s in mint condition you can seem saddened that it’s the wrong color or has the wrong tires which will make you spend more money etc. Focus on the negative, let the owner focus on the positive and hold your ground.

Step #8 – Bring a friend when inspecting the ATV, two sets of eyes trying to find flaws is better that one. Two voices keeping the owner thinking is better than one. Two personalities for the owner to try and get a read on is better than one. Just make sure the friend doesn’t wreck the sale by being too enthusiastic or worse, having him agree with the owner and not you. Don’t let the friend join the seller’s side because if that happens you need to run away quickly or your money will get left behind.

Step #9 – If the deal is not an in-person transaction, and being paid cash in full, consider using an escrow company like escrow.com. When a middle man handles the financial part of the bargain BOTH parties are protected to a greater degree. Escrow companies also help you make every step clear, you’ll know what to expect next. When you use escrow you can also have an ATV inspected and the funds will be released only after the ATV passes inspection by a qualified mechanic. The seller is protected because the funds won’t be returned to you either unless the seller confirms the ATV has been returned.

Step #10 – This final tip is one that I’ve seen being used more often and so i’ll mention it as well but I personally feel it’s a shady tactic, legal, but not my cup of tea. Have a friend make an appointment to see the ATV before you do. Let your friend get a read on the ATV owner, the ATV and perhaps see how rigid the owner is with price. Your friend can then report back to you before you inspect the ATV and you’ll be better prepared to close the deal by knowing more about the seller. If your friend offers a ridiculous price, 50% off for example, the owner would likely turn it down and the friend can then ask “what’s your lowest price?”. You’ll then know to offer slightly less than the lowest price and hold your ground.

Buying an ATV is both fun and filled with risk. Make sure the seller has the paperwork and title and remember that there are three distinct events taking place. A money negotiation, a vehicle inspection and a battle of wits to get the other party to give you a better deal.

By Nick Harris, editor of ATV Style, a popular ATV enthusiast website, shop smart!

Episode 3 of the Weddings and Special Events Series at The Frugalicious Show. How to save money on wedding gowns and formal attire for the bride. Save money by comparison shopping and finding out how you can save on the little extras like shipping or alterations. Or consider buying a used or vintage dress. Some of our favorite resources are the classifieds section of Weddingbee.com bit.ly OnceWed.com bit.ly and PreOwnedWeddingDresses.com bit.ly If you’re shopping at a salon try to shop during a trunk show where you can save up to 20%. Once you’re done wearing your wedding gown, consider selling it on one of these sites to recoup some of your costs. Save on your wedding accessories like veils, headbands, hair flowers and jewelry by buying anywhere but the dress store! Etsy.com has a great selection at reasonable prices etsy.me or consider making your own veil. Check out our site and subscribe to our channel! TheFrugaliciousShow.com Facebook www.facebook.com Twitter: twitter.com The Frugalicious Show is a web tv show that helps you live the best possible life while spending the least amount of money. Bitsy and Erin share budget-friendly lifestyle tips on The Frugalicious Show, and Larissa shares hot deals every day on Deal of the Day. Learn how to live a Frugalicious life without sacrifice. Have a Frugalicious find you want to share? Leave a comment! [music] ERIN: Hi everyone, I’m Erin Brooks, and welcome to the Frugalicious Show BITSY: Hello everyone, I’m Bitsy Jennings

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6 Secrets To Saving Money

May 6, 2012 by  
Filed under Save Money Each Month

One of the hardest disciplines there are in todays world is learning how to save money. For many people it is essential that they find ways. While there are many things that can be done to reach their budget goals, learning how to do it better is always needed. These are things that can help you accomplish your goals and are likely things that you can improve on.

Watch your spending habits for two months. This should give you a clear image of spending habits you might have. You will find out where you are most likely to succeed and likely to fail. Problem areas will become evident. Just make sure that you are honest in your assessment.

Separate essentials from non-essentials. Realize that in tough economic times you might be going through, you may have to go without certain things. Choices will have to be made between items that you normally wouldnt even question buying. What will always help you make decisions is by honestly answering the question if it is essential or not.
Ask what can be downgraded. If you are used to buying certain brands that are more expensive than ask yourself what the real benefit is in opting for the more expensive version. It is rare that there is enough of a drop off in quality to warrant paying more for. Do this for everything from cars to computers to clothes to food. Treat stores in the same way. Is there really a benefit to shopping in Macys rather than thousands of other lower priced stores?

Set up a budget. Break it down into simple categories and have it be something that is realistically attainable. Look at it in the same way one would a diet. In making a budget and creating a diet plan for yourself you are altering habits that may have been around for a long time and have to make sacrifices to reach your goals.

Try to give yourself a little wiggle room so that you can buy the occasional treat. For dieters, many will find more success by rewarding them with times not on their list of foods to eat. In trying to meet your budget, you will find it easier to stick with if you allow yourself a little extra luxury item. Keep it within reason and dont let it destroy what you worked so hard to accomplish.
Review your budget periodically. Look at where you succeeded and where you didnt. Find areas that you could do better in and lower the bar for yourself, each time making it more of a challenge.
When you learn how to save money you will usually find that there are ways that you can do it better. Turn your goal of saving money into a lifestyle. Keep seeking ways to improve your spending habits and you will find long-term results that will have you in better shape in any situation that comes along.

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How to Extreme Coupon: Tips on Saving Hundreds Every Month

April 29, 2012 by  
Filed under Save Money Each Month

You’ve probably seen it on tlc extreme couponing or heard about it online, people saving hundreds of dollars every single time they go to the grocery store. You can learn to shop like this too – anybody can – when you want – or need – to save money there are few things better than learning how to extreme coupon shop. Groceries, cleaning supplies, cosmetics, you name it, there are certain things we all need and can’t avoid buying – even in a pinch to save cash. Whether you’re in good times or bad, saving money on your monthly bills is something everyone would welcome; who would want to turn away more cash in their pocket?

Well if you’re interested in learning how to extreme coupon shop there are some things you should know before you get started. The first thing is that you must manage your expectations. When you watch tlc extreme couponing, you see shoppers saving 95% – even sometimes over 100% – when they get to the checkout.

They walk away with huge stashes of groceries and supplies and they barely paid a thing. The truth is; it’s reality TV. While a lot of extreme couponers do achieve massive savings and do stockpile large amounts of groceries but the savings you see on TV are – and I’m sad to say this – mostly fabricated. They need to have an audience, and the audience is attracted by savings so unbelievable, they are literally unbelievable. So don’t think you will be magically saving thousands of dollars a month just by applying a similar system, you will be saving money, but reaching savings near 90% are just not possible.

There are three things that anyone who extreme coupons do. And you will notice this whether you read the blogs or watch the TV show. They are obvious but there are some aspects that are very overlooked.

The first step is collecting coupons. That seems obvious enough right? Well there are plenty of resources that you must tap in order to maximize the amount of coupons you clip. There are online coupons, store coupons in your mailbox, and manufacturer coupons in your weekly Sunday paper. All of these are great resources to collect hundreds of coupons every month.

The next step is organizing your coupons. And not just putting them into books or folders, I mean really organizing them. This is where something like an extreme coupon guide can help you. The one I used included a large list of links to collect coupons from and find out local deals in your area. But most importantly, it included pre-made spreadsheets and organization methods that made it much easier to separate out and use my coupons more effectively. There is nothing like keeping your own database and it’s so much easier when it’s already done for you.

The last step in learning how to extreme coupon is to look at your local sales and specials every single week and compare them to your database of coupons. Many coupons will not expire for months, and even then some stores will accept them well after expiration dates. You need to know two things: when to buy, and how much. Every item eventually hits a crazy low sale price and you need to be there when that happens or you won’t be saving nearly as much money. The most important goal of extreme couponing is to save money, and knowing when to buy is the biggest factor to achieving savings like you see on TV.

So if you’re interested in learning the system of extreme coupons check out the link above or just search around online. I would recommend getting a pre-built system if you’re new to the practice only because it does make things go much smoother and will get you saving money right away. You can go through the growing pains of learning it yourself, but is it really worth the extra time and money wasted? If you want to save hundreds of dollars on your groceries every month, learn how to extreme coupon shop; you won’t be disappointed.

The names Mickey, I love writing articles and sharing my stories online. I like to promote products and methods I use myself and share them with others. Check out my other articles if you have a chance.

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Different Ways To Get Money Fast

April 26, 2012 by  
Filed under Save Money Each Month

We would almost all enjoy having the freedom to get whatever we desire and enjoy the best that life has to offer. In reality, in order to do that, you will need money and a lot of it. We all want to earn money, and the most want to get money quick so they will spend it. Although nowadays it will seem hard to do that, you can still search for methods to manage it doesn’t matter what your situation is.

If you’ve internet connection, then you have a variety of money making opportunities just waiting tips of your fingers. You will possibly not know it yet, but usually there are job offers all round the web, and you can now sign up for them and earn passive income via the internet.

Not all online jobs may get cash for you instantly though. A good method to get money immediately is thru internet marketing and affiliate marketing. By trying to sell a product or service while marketing somebody else’s product or service, you can generate money for you both online.

A different fast and simple method is to fill out surveys online. Everyone is constantly searching for new information regarding potential customers, and you can actually help companies online by letting them know about yourself and completing a very simple online survey. There are many other jobs you can get over the internet as well everything you need to do is to search.

If you like to perform and you might have talent, then you need that you’re performing for money on the roads or in cafes. You can easily contact store managers and talk to if you’re able to perform there and you can very easily earn money from tips from the people who pay attention to you. This really is only good when you’re very talented and if you have a very interesting performance.

Just like lots of people, you may have a lot of stuffs that you do not use any more just lying around your own home. A great way to get rid of clutter while making money is simply by selling these things online. There are a variety of different internet markets that may help you put up for sale stuff that you might have at home which you aren’t using or if you no longer have desire for them. Find things in your home you do not use but are still in good quality condition and auction all of them on sites.

There’s also the good old-fashioned methods for earning money like doing odd jobs around the neighborhood. In case you are young or if you have a children would want to try and make money, mowing lawns, walking dogs, and washing cars continue to be good ways so that they can work with their own cash.

As we discussed, you could possibly get money fast as long as you have any hard work and determination. So go out there and do your best and shortly you’ll have what you want.

Would like to learn more about “how to get money fast“, then visit my other site on “need money fast” for your needs.

Tricks To Saving Money On Your Car Rental

April 22, 2012 by  
Filed under Save Money Each Month

Let’s face it nobody wants to spend more than they have at their rental vehicles. If you want to find the best deal possible on your next rental car, then there are some things you should know about car rentals.

To begin, you should always shop around and book your holiday early. As the dates get closer to the rental companies begin to realize that the date is particularly popular, which may lead them to increase their rates. Once you have a fixed rate, you’ll be better able to shop around for special deals that may be available.

Don’t just rely on the internet to help you find the best deal. If you are booking your entire holiday online then you may be able to get a discount on your rental car through the same site but if you are renting your vehicle independent of your other travel arrangements then shopping online will not always provide you with the best deal. Calling around to different locations may help you to unearth better deals then you can find on the web.

Most companies have coupons available on the web. There is usually coupons available for all major car rental companies and you can use the Web to help you find additional savings. There are sites to pick up coupon codes and those that allow you to print up coupons to use on the phone. Do not miss these offers, but do not assume that the company you have a coupon for going to offer you the best rate. Compare prices of all the rental companies as possible and then decide if your coupon will give you the best overall rate.

Know exactly what you need before you start shopping. Knowing approximately how many miles you will drive your rental car, and if all the insurance you need and the extras you may need to rent can really help you compare the cost of renting a another company rather than renting. Many times you can reduce your cost by bringing your own supplements or slightly downsizing your choice of car.

When comparing the rental companies is critical to compare the total price. Most companies will provide you a quote base rate, but when your rent will lead to a lot of extras you will need to have the bigger picture in order to get the best deal on your rental.

When you are searching for Australia car rental check out www.budget.com.au. Whether you are traveling to Sydney and require a Car rental Sydney, or some place else in Australia, Budget is the best option for you.

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Four Tips To Save Money Each Month

April 19, 2012 by  
Filed under Save Money Each Month

The economy seems to be chugging along although most agree it’s still not back to its glory years. In times like these most people need to make some adjustments in order to avoid debt and stay afloat. Some have had to look for a second job and others have had to downsize. If you are looking for ideas to live on a tighter budget, consider the following suggestions for saving money each month.

Shop at Sales
It’s impossible to completely avoid spending money. When it is necessary, be wise with your money. Look for clearance sales and wholesale closeouts for things like furniture or clothing. You can also consult your local classifieds, Freecycle forum or Craigslist postings for free or discounted items that others are trying to get rid of. Use your creativity and make something new out of someone’s cast offs.

Look at all Luxury Expenses
You have probably never considered your cable bill, cell phone or other subscriptions a luxury but when you’re trying to cut back expenses this is the best place to start. Think of all the things you pay for and put them in categories. What is necessary to live? What is nice to have but not necessary? Start cutting out the things that are not necessary.

Keep a Detailed Record
It has been said, “If you fail to plan then you plan to fail.” Relevant in many situations, but especially with your budget. You must keep a detailed record of all your expenses in order to know where your money is going and how to cut back. It can be as simple as keeping track in a notebook or as complex as using software suck as Quicken, but the important part is to do it. Set aside 2-3 days a month where you will update all records and input new purchases. Track for several months and then analyze where your money is going and how you could cut back where needed.

Plan Meals and Stay out of the Grocery Store
You may never have thought that planning your meals on a weekly or bi-weekly basis could save you money but it does. First of all, when you plan to shop once a week and buy what you’ll need for that duration you stay out of the grocery store. If you are running to the grocery store every other day you will end up buying an abundance of unnecessary items and splurging your budget. Stick to a schedule of when you will go to the store and keep a list on your refrigerator of what you plan to cook. By doing this you will avoid running for take-out and you will keep your grocery budget to a minimum.

Buy Merchant INC (http://buymerchant.com/) is a wholesale distributor selling closeout items, overstock merchandise and wholesale closeouts.

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7 Ways To Help Your Website Designer Save You Money

April 15, 2012 by  
Filed under Save Money Each Month

When commissioning a new website its easy to pay over the odds so its worth making the effort to ensure you get value for money. The good news is that most web designers genuinely want to help. Here are seven simple tips on how to keep your costs to a minimum.

1. Consider what your business needs. This may sound obvious but even large businesses are often unclear and end up commissioning expensive ecommerce sites which have expensive features they just dont need. A little forethought can save you thousands.
2. Get advice on your options. Once youre clear what you need, discuss the options with a designer you can trust. Do you want to be able to update the site yourself? Do you want to sell online? The answers to these questions can make a vast difference to the price so make sure you are clear from the outset.
3. Proof read your scripts. Try to proof read your website text before sending it to the designer. Obviously you may want to change it before going online but the better the text is at the outset, the fewer changes you will need to make and the more money you will save.
4. Add headlines in advance. Most web designers are not copywriters and will tend to upload your text as you send it to them. Make sure it contains all the headings and sub-headings that you want so youll save yourself the expense of making alterations later.
5. Check artwork formats. Ask your designer what format he would like for your artwork and logos. For example, logos featuring text often look blurry when saved as jpegs so you may need to supply a more suitable format such as an AI or eps document. It will avoid the need for changes later.
6. Provide your own pictures. No one knows your business better than you do so it makes sense for you to select the pictures that will help to sell it. You could take your own pictures or buy them relatively cheaply from the various picture sites. This will avoid the need for your designer to search for photos which will cost you more money and may not even be to your liking.
7. Make all corrections at the same time. No matter how careful you plan you will still probably want to make corrections and amendments once the site is online. If so, you can save money by getting all the corrections done at the same time rather than one or two every few weeks.

Web design doesnt have to be expensive if you know what you want. A little forethought and consultation with your web designer can save you thousands and make sure you get a site that perfectly meets your needs.

Maggie Moore is head of web design West Bridgford at leading media, video, SEO and web design firm, Saturn Media.

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