Christmas Shopping 4 Tips For Buying Christmas Gifts

4 Tips For Buying Christmas Gifts

With the holiday season around the corner, it makes sense to beat the mall crowds and clearance sale gimmicks of big departmental stores by putting some mother wit to work…read on to find out 4 tips for buying Christmas Gifts with none of the hassles of festive shopping!!

I love everything that builds up to the cozy, warm and snuggle bug feeling of baking, writing out Christmas cards and making Christmas shopping lists. But, that’s where all the enthusiasm sort of fizzles out because with the marketing build up around Christmas and the shopping mania it sets off in even regular folks, the local markets seem like they are just a short call away from being tagged a mad house!

So, in order to enjoy my Christmas season more, I worked out a few tricks to finish off with festive shopping earlier in the year instead of leaving it for season sales, festive discounts and trying to sweet talk friends or relatives to accompany me for the fun hobby it should be, but somehow turns into a nightmare for many people. Especially those that dread the mall crowds, mad dash for same items by other equally flustered shoppers and the sore feet!

Yes, you guessed right! I decided to shop smart and do it online!

Tip # 1 – Search for online discount deals and buy your gifts from a web store that lets you save on shipping! I reserved the first half of my Sunday for clicking a shopper’s symphony on my laptop keys, choosing non-China free worldwide shipping items from a reputed site, called

On clicking around the site, I found to my delight there were fabulous discount offers – 50% off – and free shipping worldwide! That had me quickly cover small somethings for friends and family I haven’t been able to gift even a Christmas card to in recent years and ensure these would reach in time, be within my budget and range across so many precious and practical things, like decor accents, electronic accessories, iPad covers, stationery, garments and lots more cool Christmas gifts I’d never have thought of as traditional presents!!

Tip # 2 – Buy locally produced products and show your support for local artists while ensuring budget Christmas shopping! You don’t have to spent the entire day hunting for sales and low traffic hours at boutique shops or fancy shopping malls if you decide to shop smart and go local with your Christmas gifts. Check out NGO, charities and folk art centers besides local food craft organizations like women’s help groups or Church fetes for neat home-made Christmas gifts with a personal touch!

Tip # 3 – Choose Christmas gifts handmade with love – hands being those of a professional crafter’s and the love being yours – and shop at You can pick up a lot of cool and quality stuff made by crafty people who showcase their hobby crafting products, like bags, jewelry, book covers, hand made paper products, candles, soaps, woollies, cake mixes, gourmet food and even wood crafts at this hip online site. The new shops and those without a sale yet, in addition to original and funky items listed under the Editor’s pick segment usually offer good deals, so do check these out!

Tip # 4 – Donate your time to a local event, group or charity. This last truly exemplifies the spirit of Christmas giving as quality time is something that our loved ones never get enough of. If you can pay personal visits to friends, family or colleagues living in the same city and make a gift of ‘one hour specials’ for helping them with various chores, like ‘picking up groceries,’ ‘helping clean garage’ or ‘babysitting’ it would be appreciated and be something different from the routine Christmas gifting. Now, if you can go one step further and give some of your time to strangers in an old-people’s home, playschool volunteer activity, youth group or fund raisers, that would really revive the Christmas gifting spirit in a real sense.

Why not try out some of these tips and see a different feeling wrap your Christmas mood this year? I’d love to hear from you which Christmas shopping tip you liked the best!

saving money

Saving Money – The Easiest Way To Save Money

We are consumers. We simply need things such as gas for our cars, insurance, phones, groceries, furniture and many other things. All of these things require money! Unfortunately, our economy is not good. Luckily, it’s slowly getting better. But even when our economy gets better, wouldn’t it be nice to save money on all the things we need? Wouldn’t it be nice to have an a few extra thousand dollars in our pockets each year? Well, you certainly can! The best part about it is it’s incredibly easy to do! No more searching online for hours trying to find the best price for your purchase! The way to save an extraordinary amount of money is via saving money memberships! More specifically, lifetime saving money memberships! I am going to go over the 3 things you need to look for before getting any type membership like this!

1. Duration – You can get one that only last for a few months or years but if you’re looking to save thousands of dollars each year then your best bet is to find a one that offers a lifetime holding. Especially if you enjoy the benefits, it would be ideal to continue to enjoy it for the rest of your life. There are plenty of lifetime holding ones out there, however, if you can’t find one you like that offers that then at least look for one that has a long duration. A 10 year or even a 15 year saving money membership will do some great things in terms of adding more money into your wallet.

2. Do The Math – You have to look at the price! If you are looking to get a lifetime one, you may have to pay a decent chunk of money. But it’s important to remember that it’s a one-time payment. You also have to make sure you’ll be able to save more than you originally spent or else it kind of defeats the purpose. Doesn’t it? If a saving money membership with a lifetime holding requires a one-time $5,000 payment but you are able to save $2,000 each year, do the math! That’s a great saving money membership! You will be able to save more money then you originally spent after 3 years! After the 3 years you will be smooth sailing! Be sure to do the math before you freak out about the price!

3. Look At The Benefits – If you want to maximize your savings you’re going to have to look at the benefits! Look for a saving money membership that has a ton of benefits! If you get one for gasoline, you need to make sure you purchase a ton of gasoline each year! There are several out there that allow you to use it on almost anything! There’s no need to limit your savings! As I mentioned before, it would be nice to save on a wide variety of things and you certainly can!

So, if you are looking to save an extraordinary amount of money each and every year your best bet is to look into a saving money membership! However, don’t get one without looking into it first and getting some information! Make sure that it has a high duration (preferably lifetime), do the math and make sure that you are going to be able to save more money then it took to get the membership in the first place, and finally be sure to look at the benefits so you can maximize your savings with a wide variety of things!

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money saving tips

Money Saving Tips That Work

Money Saving Tips That Work

The economic downturn in recent years has forced many of us to focus more on spending. Research, however, shows Americans realize cutting back and saving money does not have to mean giving up luxury or settling for lesser quality items.

The products purchased in today’s markets have changed drastically over the years-especially since the 1950’s and 1960’s. One saving money tip that has been available to consumers since the 1970’s, is when non-name brand products, called “generic,” started lining shelves. However, the less-ornate packaging however and the unattractive term “generic” made these products seem inferior to many customers-and often the quality was less-than great.

These days most national and regional retailers have their version of generic, and each store features its own branding. Place the same products side by side, and the price difference is apparent. However many consumers still associate a generic product with a lesser quality product.

“It’s no longer just something you’re gonna buy just because it’s less expensive.”
At least 70% of Americans now admit they enjoy a discount and trend-tracking shows each year more and more people are looking for money saving tips – ways to save money without having to rely on “generic.”

Money saving tips that many consumers are taking advantage of is a saving money membership where the consumer gets paid a commission for just about every product purchased from the same retailers you have always purchased from. Whether you are purchasing Infant Care products, Medications, Home Equipment and Tools, Makeup and Personal Care, Technology and Media, Cleaning Products, Staples and Produce, Furniture, Jewelry, it doesn’t matter. With these money saving tips the retailer you purchase the product from will pay you a commission just for deciding to purchasing from them.

Here’s an example: do you shop at Walmart? With this membership every time you purchase a product from Walmart, Walmart will send you a commission check. If you go to Walmart 5 times during the month, you will get paid 5 commissions.

And not only Walmart, when you shop at Kmart, Sears, Target, or Home Depot for example, you will receive a commission check. Dollar General Store, Best Buy, Dick Blick,, Gardeners’ Supply, JC Penney, Macy’s, Old Navy, Staples, and Bass Pro Shop, each will send you a check just for buying from them through this saving money membership. In fact there are over 300 participating retailers that will send you a commission just for buying their products. And that’s whether you elect to purchase name brand or “generic.”

So an important money saving tips are to start getting paid just for purchasing the same products you have always purchased from the same retailers you have always purchased from.

These money saving tips, this money saving membership works the same for larger item purchases as well. Whether it’s furniture, automobiles, jewelry, or other larger item purchases, you will get paid just for purchasing, or, with some larger items, you will have the opportunity to purchase at factory direct prices.

One last money saving tips, while you always want to apply discipline in your purchasing, there will be times when you need to make a purchase. In those instances, whether your purchase is big or small, don’t pay retail. Instead let the retailer pay you just for doing business with them.

The author, Gary Price is an attorney specializing in intellectual property matters including patents, trademarks and copyrights and professional internet marketing coach who helps families build full time home businesses on the internet quickly and affordably.

Are you interested in saving money on the items you are already purchasing? To hear more about the strategy on how you can start saving money by simply paying less and getting paid for the items you’ll be purchasing anyway, both big and small items, check it out at Saving Money Tips []

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Saving investment

5 Effective Ways To Cultivate The Habit Of Saving investment

Saving investment is the art of setting aside some amount of money for future use. The singular reason why so many people don’t always get enough money to do what they want or need is because they don’t have a good saving habit. In this article you will learn 6 effective ways to help you start Saving investment.

1. Determine what you want:

It is very important that you determine what you want to do with money and the time when you would want to use it. Doing this will help ascertain what you should set aside and over what period of time, for instance, if you desire to save $5,000 within six months, you should be saving about $830 every month. This amount can also be broken down into weeks or days depending on your convenience. What matters most is to ensure that you have a time frame for which to accomplish your goal.

2. Map Out a Plan:

Having established what you want to do with the money you intend to save and over a period of time, your next task will be to come up with a plan of how you intend to go about the saving. Your plan should entail where to save the money, do you need interests, how often you should save etc. Planning will help you reach your goal much easier and it will take care of any unforeseen hitches on the way.

3. Discipline:

One of the major reason why lots of people fail to cultivate the habit of Saving investment is because, they lack the discipline required to effective pull through with the plan of saving. Discipline helps you stay focused and committed to your plan. Once you have a plan in place to save some money over a period of time, you need discipline to see you through it. Some distractions may come up along the way, but discipline will enable you pull through.

4. Sacrifice:

Saving demands that you forgo some regular spending routine, the truth is that once you have made up your mind to start Saving investment, you will have to make some sacrifices in order to provide for your savings. By sacrificing some leisure, it means you are making some money available to save. In this case, you will have to differentiate between your needs and wants. One of the best ways to save money is to avoid spending on things you don’t need. Besides, when you sacrifice, you should also have it at the back of your mind that it is for a temporal basis. That is why it is important that you have a time frame for your saving.

5. Carry Everyone Along:

In the course of Saving investment there are so many things that will change with you, especially if you have a family or dependent. In this case, you should endeavor to carry your family and any other person who depends on you financially along. You should be able to communicate you goal to them, am sure if you are convincing enough, they will reason with you.

Saving investment is the most effective way to become wealthy in life, no wonder only those who cultivate the habit of saving money are able to survive in today’s economy.

Stephen Enis is an accomplished Home Business Guy who specializes in helping people start their internet business.

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Free dinner for you; your savings for them

A free chicken dinner can cost you a lot more than the time it takes to eat it.

That’s what a bunch of retirees in Florida learned, according to a civil fraud case filed by the Securities and Exchange Commission.

The commission has charged 4 investment advisers of scamming $3.9 million from more than a dozen investors, many of them retirees. The advisers recruited their victims via “free dinner” investment seminars at a Tampa restaurant, the commission says.

Joseph Andrew Paul and John D. Ellis Jr. — both from Philadelphia — cut and pasted marketing materials from another firm’s website to create a fraudulent pitch to investors, according to the commission. 2 others — James S. Quay of Atlanta and Donald H. Ellison of Palm Bay, Florida, misled seniors who responded to their free dinner offer, the commission charges. Quay is a felon as well as a disbarred attorney.

A more than 56% return promised

Paul and Ellis falsely claimed that their firm managed as much as $164 million in client assets and that its investment strategies generated annual returns ranging from 8.5% to more than 56%, the commission’s civil complaint says.

“A large portion of the money was never invested and instead was split among these self-described investment experts whose real expertise was stealing other people’s money,” said Sharon Binger, director of the commission’s Philadelphia Office.

Florida is a target-rich environment for scam artists who prey on senior citizens, but it can happen anywhere.

Tips to preserve your retirement savings

Bankrate offers these tips to keep you from losing hard-earned retirement savings:

  • Know the score: Remember that even if it’s legitimate, they are there to sell you a product.
  • When they say “act now,” respond with “maybe later.” They’ll leave a number or email address for you to respond later.
  • Before signing anything, check the background of the seller. Start with the SEC website, but there are also court sites to check for lawsuits against people.
  • Be alert to dubious promises: When terms like “guaranteed return” or “no market risk” are used, skip dessert and run for the door.

For more information, read 5 ways to avoid “free lunch” investment scams.

Have you been to a free dinner for investment tips? Did you get a hard sell from the advisers to buy an investment product?


By Stephen Pounds


Cost Effective Living

Achieving financial peace and independence in life is hard, especially when you can barely afford the necessities. Life should be enjoyed, but it is hard to have a good time when you are funneling all of your money into your bills instead of your vacation fund.

Believe it or not, little changes made throughout the year is almost like giving yourself a raise. As a bonus, money saving habits can improve your health, not to mention your stress level.

With patience, planning and discipline you can add thousands of dollars to your year-end bottom line and your personal net worth.

Here are just a few ideas you can consider to save money:


Many families budget nearly $1000 per month for transportation costs, which may include several car payments, insurance, fuel and repairs.


  • Generally, buying a car less than two years old is unwise. Most cars depreciate so quickly that before you even park the car in your driveway for the first time, the loan is already upside down.
  • Discipline yourself to pay off one car loan before you finance a second vehicle.
  • Do not buy vehicles on impulse. Shop around, read consumer reports and choose a vehicle with a good resale value.
  • Do not buy more car than you need. It is not prudent to buy a $40,000 truck for two trips to Home Depot per year. To haul items, often you can rent a truck for less than $20 per hour.
  • Before financing a car, set aside the payment amount and increased insurance amount for several months. If you cannot do this, or you fall behind on other expenses, you are not ready to finance a car. If you can do this, and kept up with your regular expenses, use the saved amount as a down payment.
  • If you are uncomfortable taking your older car on long trips, rent instead of buying. If you were to buy a new car, at $250/month it totals $3000 per year just in payments. An older, paid off vehicle may require $1000 per year in repairs and renting a car for a weekend trip may cost around $100. Therefore, including two weekend trips per year and the repairs on your older vehicle, the cost is still $1800 less than the payments on a new vehicle.Insurance
  • Shop around for the best rates. Get several quotes before you decide on a new service.
  • Increase the deductible if possible to decrease monthly payment.
  • Older, paid off vehicles do not require full coverage, refer to your state laws and see if you can make any changes to decrease your payments.
  • See if your insurance offers lower rates for monthly, payment in full or other arrangements. For example, many quote a lower rate if you pay six months up front instead of per month.Fuel
  • Shop fuel prices, do not let yourself run so low on gas that you are stuck going to the most expensive option.
  • Use public transportation when possible.
  • Combine your trips. Instead of running multiple errands in several trips, organize a list and complete everything at one time. Do not run your errands during high traffic hours and burn fuel sitting in traffic.
  • Walk, bike or run to where you need to go.
  • Ride share.
  • Keep your car tuned.
  • Drive your vehicle that gets the best gas mileage most of the time.
  • Think before you go, driving to the store to buy $1 worth of soda, while spending $1 worth of gas is not cost effective.
  • Ask your employer if you can telecommute.
  • Purchase your gas from discount wholesalers like Costco or Sam’s Club.Repairs
  • Shop around; get at least three quotes on major repairs.
  • Keep up the maintenance on your vehicles to prevent larger problems later.
  • Put aside at least $50 per month per vehicle for repairs.FOODIn America, more and more families and individuals are eating out. This means they spend as much on one meal as they would an entire day or even a whole week if they ate at home.Eating Out
  • Limit how often you eat out, for example once per week instead of once a day.
  • Use coupons or eat out at lunch instead of during the higher priced dinner hours.
  • Look around, often you can find a locally owned restaurant with excellent specials.
  • Order water with your meal instead of soda or other higher priced items.
  • Split a meal.
  • Order only what you want, if you really only want artichoke dip, just order that.
  • Do not let yourself get over hungry. Store in your office desk, purse or car a few breakfast bars or other low calorie snacks that can hold you over until you get home.Eating at Home
  • Home cooked food is nearly always cheaper and healthier than eating out or pre-packaged food.
  • Shopping for bulk items is not always the best bargain, check prices and quantities for the best deal.
  • Coupons are usually for name brand items; generally, the generic variation costs less.
  • Never buy anything at full price.
  • Stock up when you find an exceptional deal.
  • Teach your kids (and if necessary yourself) how to cook.
  • Consider the cost of habits such as smoking and drinking alcoholic beverages. These are expensive and you may want to reduce or eliminate them.
  • Decrease the amount of meat and cheese that you eat, substitute or decrease the amount in recipes to save money and lower your fat intake.
  • Drink more water and less soda, juice, milk or other costly beverages.
  • Do not shop for groceries when you are hungry, on impulse or with your kids.HOME
  • Winterize/summerize your home to help prevent heat loss/gain.
  • Keep your thermostat no higher than 65F in the winter and no lower than 75F in the summer.
  • Take shorter showers, or take your showers at your gym.
  • Use cold water when washing your clothes as often as possible.
  • Consider shutting off your landline telephone if you have reliable cell phones with good rates.
  • Close doors to unused rooms and shut the vents in those areas.
  • Use your grill in the summer and oven in the winter.
  • Install water saving devices, such as a low flow showerhead.
  • Plan a xeriscaped yard, with native plants, that require less work and less water.
  • Sweep your walks and driveway instead of using water or an electric blower.ENTERTAINMENT
  • Evaluate whether you really need cable television, or whether it would be more cost effective to rent a movie every now and then.
  • Go for a walk, hike or picnic instead of a high priced alternative.
  • Budget your entertainment. Plan and track your expenses so they do not get out of hand.
  • Instead of subscribing to a magazine, read it at your local library.
  • Buy used books and then when you are done resell them back.
  • Watch movies during the lower priced matinee hours and do not buy the expensive popcorn and soda.
  • It is actually less expensive in the end, to go the theatre often, than to buy an expensive home entertainment system.
  • Rent instead of buying, often you can rent boats, hiking equipment, bikes or other recreational gear for much less than it would cost to buy them and you do not have to worry about storing them throughout the year.CLOTHING
  • When it comes to clothing, never spend an excessive amount on a trendy item that will only be worn a few times or will quickly go out of style.
  • Never buy anything full price.
  • Shop quality not quantity. It is better to have a few items that you really like, that fit and look good on you, than a closet full of stuff you do not like.
  • Buy large quantities of the basics if you find a good deal, such as on socks.
  • Shop at the end of the season for the next year.
  • Buy clothing that is washable and easy to care for, check care labels.
  • Do not shop on impulse or for other emotional reasons.
  • Do not view shopping as entertainment.
  • Bargain shop; compare prices, shop consignment stores, thrift stores, garage sales or online.
  • Do not waste your money by buying your kids something they do not like and will not wear.WINDFALLSIf you do not plan how you are going to spend a windfall, it will slowly disappear into unnecessary expenses and you are going to be wondering where it went.
  • Tax Returns – Try to budget “extra” money towards paying off interest charging loans or credit cards. Those that charge the highest interest rates should be paid off first.
  • Gifts – Teach your children to put half of the money they receive as gifts into savings. Adults that receive gifts should put the money into their “rainy day fund,” in a vacation fund or towards interest charging accounts.

Pamela Stevens

Pamela Stevens writes for, a review site that publishes unbaised reviews on a wide range of subjects, including software, online services, hardware, movies and actors.

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How to Save Money in Electronics Stores

In this article today I would like to talk about several tips, tricks, and techniques that almost everybody can use to save a substantial amount of money purchasing things at electronics stores.

Times are tough for everybody. Who would’ve thought that the recession that began towards the end of 2008 would stretch on all the way into 2010 and possibly beyond? Now it’s more important than ever to save money wherever you can. Many people have held off on purchasing high-priced electronic devices such as flat screen TVs and game systems because of the recession but with these tips maybe, just maybe, you don’t have to.

It’s not always easy to get discounts on high-priced electronic items, especially at the big box stores that seem like mindless faceless corporations. But here are some tips that may help you out.

The first thing to do is think about it as if you were purchasing a new car. Go about it in the same general way. What do I mean by this? Well, never except the stated price without first making an offer. Make sure it’s a reasonable offer but, make an offer nonetheless. Many sales managers have leeway. Don’t bother negotiating with the floor salesman because they often don’t have any sort of authority in this area. Go straight to the manager.

In order to negotiate you really have to know the margins. By margins I mean what the store is trying to make above the wholesale price. Typically, profit margins for video equipment tends to be around 12%, for audio equipment usually around 14%, and for extended warranties the margins are usually 50 to 60%.

You should always be very wary of in-house financing. If there’s one thing this recession has taught us, it’s that credit is a bad thing and it can be even worse for in-house financing of electronic items because many stores will lure you in with an introductory rate then crank it up 20 sometimes even 30% even if you make your payments on time which is something that not everybody notices or realizes.

If you just can’t get them to lower the price then try to get them to throw in some extras like free delivery or free installation. Often times there are much greater profit margins in these areas and stores can afford to knock some of that price down if it will clinch your business.

Finally, it may be a good idea to avoid purchasing extended warranties or any sort of service contracts. These things are created very accurately. By that I mean that most of your problems with the device you purchase won’t occur until after the service contracts runs out and the service contracts are built that way on purpose.

So there you have several very simple tips that just about anybody can use to save tons of money on high-end electronic purchases. This recession is got a lot of people down, but with these simple tips you don’t have to be down and out!

Rick Brunting runs a big and tall shirts [] web site where he also reviews the best discount mens dress shirts [] for you. He has been an article writer online for well over 6 years and also enjoys fishing and basketball.

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Some Great Tips on How to Save Money

1. Gift Wrapping Papers

Why buy expensive gift wrapping papers from the market, if you can make them at home? Plain brown grocery paper bags are what you can begin with. Take out your painting brush and craft paints. Give your imagination a free run. Remember that the sky is the limit, so far as your creativity and imagination go. Paint any design and rest assured that your effort would be well appreciated by those who receive your gift. You can paint flowers, trees, butterflies, bees, birds or whatever fancies you.

2. Saving on Gifts

Everyone loves receiving and giving gifts. If you have a large family, you may end up spending a lot of money buying gifts for each member, and receiving gifts you may have no need for. You may talk to your family members and come to an understanding to limit the giving of gifts to children only. This way you keep the children, who love to receive gifts, happy, and save a substantial amount of money too.

3. Homemade Gifts

Everyone loves receiving gifts. A homemade gift is any day more appreciated than gifts purchased from the market. One can actually feel the warmth that is associated with homemade gifts. If you have time on hand then there is no dearth of opportunities to exhibit your skills. You can make gifts for birthdays, anniversaries, weddings, Christmas gifts, babies and more.

You can knit a sweater or a pair of booties for a little baby; make cakes for occasions, or weave baskets. There is no end to what you can create at home. Wrap your gifts with homemade packaging and tie it with a bow.

4. Movie Shows

If you are a movie buff, you must know that matinee and late afternoon shows are cheaper than nighttime or late night shows. If you are planning to treat your family to a movie, take them during the day. The savings could well be more than half of what you normally spend. It is as good as seeing two movies at the cost of one nighttime movie.

Eateries inside the movie theater offer food at prices that can burn a big hole in your pocket. It would be a great idea if you carry some homemade popcorns, and candies along with you to munch inside while watching the movie. Some movie tickets come at discounted prices. Check online and you will get to save money on that account too. So, you know now how to save good money while taking your family out to see a movie.

5. Saving at Home

Make everyone in your family participate in making savings wherever they can. Inculcate a habit of turning off the lights when leaving the room. Initially, you or your kids may forget to do so. Fix a fun-punishment for those who break this rule. Water heaters may be run on low settings, if warm water is the need. Higher settings consume more power. If the air outside is cooler, you may open the windows to let in fresh and cool air. This way you can save significantly on your air conditioning. All these little things done consciously can make a huge contribution to your saving.

6. Reward Scheme

Start a reward scheme at home encouraging all your family members to become conscientious savers. Achievers may be rewarded with stuff they want. If you want to avoid expenses on taxis, encourage them to use public transport. The savings that are made on this account can be used to finance different needs of individuals in the family. You may also spend the amount saved on a family outing.

7. Right Attitude

It is important to develop the right attitude towards saving. In fact, the entire family needs to have a healthy view on saving. You need to develop a habit of not wasting resources and being aware of the need of saving. Do not think that you cannot save, because if you make a conscious effort, you certainly can.

8. Not All Unused Stuff is Useless

Teach your children the concept and importance of saving. Tell them not to throw away things they do not need. It is often seen that teenagers throw away things that are of no need to them without realizing that what is not good for them may be good for some other family member. You may check a few times with your children the stuff that they consider of no use to them, and make them realize how important it may be for someone in the house. Unused gum tubes, make up, clothes, accessories etc. may come in handy. So, these should not be thrown away.

9. Family Saving Plan

Get your family together and let them participate in the family saving plan. Ask for their ideas on how to make savings. Let your teenaged kids come forward and suggest ways to save on the telephone bill. If you give them responsibility, they will act consciously. Discuss other saving matters with them, making them aware of what needs to be done, and how wasteful expenditure can be curtailed.

10. Buffets and Money Saving

When you are on an outing with your family, you can have your lunch or dinner in a restaurant that offers buffet.

11. Vacationing

Plan your vacations in advance, and plan them for the off-season. Prices all-round are considerably lower during the off-season. You will find hotel accommodation, cars and airfare at heavily discounted prices. That is a lot in terms of saving when you are traveling with your family.

If you happen to be the kind that loves solitude and peace, then there is nothing like an off-season holiday. You may also plan to book your hotel accommodation just one day in advance to the start of the holiday season. This one day translates into substantial saving for you.You can save a lot of money that way. If your child is young, you can share your meals. Moreover, buffets offer a wide range of menus to select from. Buffets are a win-win situation from the point of view of food and saving.

12. Networking

If you have two computers in different rooms in your house, it is best to have them networked. There is no point paying twice over and have two high-speed cable connections for both the computers. Arrange your computers in such a way that one of them acts as a primary computer and the other as the backup. Under such an arrangement, you can have a single high-speed internet cable connection and pay a nominal amount extra for the second computer. That is a lot of saving.

13. Economy Haircuts

Many haircutting saloons offer economy haircut packages for families. These work out to be cheaper than going for individual haircuts.

Some families normally do haircuts for kids at home, and make good savings on that account. The money saved can be utilized for other purposes.

14. Recycling Stuff at Home

When we talk of recycling, the first thing that strikes us is utilization of the waste. You can actually save money by applying recycling in your life. For instance, you can create a nice gift for your friend with the things around you. Avoid buying expensive showpieces or gifts, and go for things around you and try to create something innovative. See the smile on your friend’s face.

15. Managing Your Utilities

Always take care that the rooms you are not using should be closed. If you are heating or cooling the entire house then you are simply wasting money. Thus, close all the unused rooms or garage, as there is no need of any kinds of utilities there. This act can save a lot of your money.

16. Check Your Bills

Always keep in mind to check the details of your bills. It could be credit card statements, bank statement, telephone or electricity bills or even the receipt of grocery. If you pay attention to them and go through the details minutely, you may find some errors, which might be huge. These errors can be immediately corrected. After the correction, a statement for the right amount be generated. Thus, your presence of mind can save you money.

17. Time Costs Money

Always try to pay your bills or any other payments on time. All of us know that not paying a bill on time means paying penalty for late payment. This unnecessary wastage of money is because of our laziness and negligence. So, make it a point to pay your bills on time and avoid wastage of money.

18. Discipline

Discipline makes a person perfect. Maintaining discipline in your life means organizing your life completely. If your life is organized that means you are saving a lot of money. Is it possible? Yes! Suppose, you are paying all your bills on their due date that means you are saving a lot of money. Thus, you can save your hard-earned money all through proper organization. All it demands is a little discipline and your money will be safe in your pocket.

19. Spend on Needs

It is very necessary to differentiate between wants and needs. There is a small degree of difference between the two.

Make all your purchases need-based, occasionally making allowance for want-based shopping. If you base your purchasing on needs, you will see that you can cut down on a whole lot of needless purchasing. And save a substantial amount.

20. Save gas

If you act a little responsibly then you can save a lot of money. For instance, try to stay in such an area where all the essentials are in the same local area. This kind of organization can help you in saving a lot of gas. Once in a week go for a small drive, and complete all your errands.

21. Maintaining Your Garden

If you are looking to add more plants to your garden, you will find that buying plants can be quite expensive. Look around your garden and see if you can split some existing plants and use them where you want them. You may even ask your friends or neighbors, if they can spare some surplus plants or split them for you.

If you are planning to buy a lawnmower, buy one that mulches leaves. This will save you money in terms of buying mulch for your plants and flowerbeds.

22. Sharing a Ride

All of us want to live in an environment friendly atmosphere. But, there are so many vehicles that are causing air pollution. We are inhaling a lot of poisonous smoke and killing ourselves gradually. Thus, we should think about this growing danger and go for carpool. Carpool is not only useful in reducing pollution, but also saves a lot of money. So, look out for the neighbors, who share the same route or any of your co-workers and enjoy the ride together. By opting for carpool, you are acting as a responsible citizen and incrementing your savings.

23. Minimize the Subscriptions

Receiving your favorite storybooks or monthly magazines through mail is really fun. However, subscribing to several magazines at a time is nothing but wastage. Thus, act intelligently and cancel most of the subscriptions. Select one or two of your favorite magazines and continue their subscriptions. Thus, you can enjoy the magazines and will be able to save money also.

24. Fashion and Accessories

Most of us want to be with the trend and look fashionable. To acquire these fashionable clothes we spent a lot of money. Is it reasonable? You can act intelligently by dressing casually, i.e. in your normal clothes and you can enhance the looks of these normal clothes by adding trendy accessories to it. This act will serve your purpose of being trendy. Moreover, you will be able to save money.

25. Herbal Remedies

One can save a lot of money by using certain home remedies while facing some health problems. There is no need of rushing to the doctor for a sore throat. Instead of paying for his consultation and medicines, make a paste of butter mixed with ginger and sugar and take it.

Hot teddy is a sure treatment for severe colds. Take it before going to bed. These small tricks or herbs can prove to be quite beneficial in saving your money. Try to gather maximum information about these home remedies and save money.

26. Proper Insulation at Home

Due to improper insulation, an average home is wasting hundreds of dollars of their hard-earned money. Just, take few steps and you can prevent this wastage. Take care that there should not be any entry of drafts through windows, doors or the fireplace. Your house needs perfect insulation. Once insulation of your house is in order, you will see a considerable deduction in your utility bill.

27. Hobbies Can Become a Profession

All of us have some hidden skills. It could be singing, dancing, knitting, cooking, painting, woodworking or anything. You can enjoy your hobby and at the same time earn from it. For Instance, if your hobby is knitting you can sell your knitted goods and earn from it. If you have skills in dancing, singing, or an expertise in any language then you can also earn by taking classes in the local community college. It is a nice way of earning money, as you are enjoying what you are doing while earning.

Dave Clark is a experienced article writer and has been in the industry for many years, he has written many books and is very knowledgeable in various fields, Dave also works for Cushy Sofa a supplier of Memory Foam Sofas, Memory Foam Mattresses, Memory Foam Toppers, Memory Foam Pillows and Divans []

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How to Save Money Every Month – Some Easy Tips

There are lots of nice things you can do with the money you save, I’m sure I don’t have to tell you that. What most Americans don’t know is that they can save a whole lot more with just a little more effort. In this article you will read some easy ways how to save money every month. The list isn’t exhausting, but if you want more easy tips on how to save money every month, you should take a look at the bottom of this article.

Tip #1: Make overpayments on your mortgage

A mortgage is the biggest debt most Americans will be going into. Not everyone is able to pay cash for a house. However, debt is also the reason why most people are financially dependent. It also affects your credit score. Making over payments on you mortgage will reduce the interest on this debt and will save you hundreds of dollars on short term. On the long run (after years) the amount you can save raises too more than thousand dollars. Furthermore, you should take the time to look out for refinancing and mortgage deals.

Tip #2: Don’t insure electronics

When I bought my iPhone these crafty sales men tried to make me get insurance. The truth is that if electric devices are defect in the first few months it will fall under the warranty. Electronics also keep getting better and better. Furthermore, would you really want to claim that €20 mini grill? By deciding not to get insurance for electronic devices, you can literally save around $30,- per electronic device (at least).

Tip #3: Decide if you really need something

This is the single most important tip on how to save money each month. We buy lots of stuff we don’t need or want. It can be hard to resist buying some items because of the way marketers present them. But wouldn’t it be far better to save that money and do something big with it later. Don’t you want to spend it on something you really want to do with your family and kids?

You should get these free weekly money saving tips []. It’s about all the things you can do to save a lot of money each month without major life style adjustments. When you sign up you also get a free report on saving money by alternative energy and on your car.

Don’t wait any longer and get the free report [], it will be very rewarding and the tips are easy to apply.

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The Top 5 Ways Businesses Save Money

By saving your electricity costs, you can save a significant amount of money that can help your business prosper. If you are looking for ways to save money in your business, you can do so by simply following the top 5 tips given below:

Energy Conservation:

Conservation of energy is perhaps the simplest way of reducing overhead costs in a business. You can significantly reduce your business expenses by making sure that all the electronic equipment, including lights, fans and other devices are switched off when they are not in use. You can replace your ordinary bulbs in your business with energy saving light bulbs. This can reduce your usage of electricity and reduce your electricity bills. Thus, you can save considerable amounts of money by conserving energy.

Use energy efficient electronic devices:

If you wish to replace any electronic device in your business, ensure that you replace it with the most efficient device. These devices consume less electricity and can add to your savings.

Periodic maintenance and replacements:

Another way by which businesses can save money is by conducting a periodic check-up of all the electronic devices at the business’s location. You can replace the parts, which are not functioning properly. Replacing the parts would make the device work efficiently and save money.

Educate your staff:

You must educate and train your staff to switch off all the electronic devices when they are not using them. Inform them to turn off their computer when they sign off for the day. This way you can save money in your business.

Switch to utility providers:

The price of energy has been hiked up and it adds to the business expenses. Thus you can switch and use utility providers this can help you to save money in your business. You can search online for sites that provide special packages to suit your business needs.

These tips can help businesses save money in Ireland. is Ireland’s leading resource for slashing the Energy costs in Irish businesses. If you’re interested in *reducing the energy costs in your business, *in implementing cost saving measures that will benefit the environment, *in reducing your business’ carbon footprint then CALL us on 00353 1 443 4363 or visit for FREE Tips & a FREE Consultation.

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How to Save Money on a Budget

Learning to put your money in your piggybank is very important if you aren’t a millionaire. You need to save for a holiday, a new car and for maintenance. Saving money for later is not easy for everyone. However, when you are on a budget it is even harder to save more money. In this article you will learn how you can save money on a budget. So let’s get started with a few tips to save money on a budget.

You need to kill your debt first. Debt is the source of all evil. Debt will not only cost you money, but it takes away your freedom. The first thing you want to do when you save money on a budget is to kill debt and pay more on your mortgage. It will save you a lot of money if you clear debt and make your credit score higher.

After you get a hold of your debt, you can start set saving goals. When you want to save money on a budget it is important that you actually find out how much you need to save. After you set some saving goals there are a few saving posts you can use.

Don’t insure electronics. Cancel all insurances policies you have on electronics. When electronic devices break down it is often due to a fabrication error. In that case the warranty will be enough. Electronics are getting better and better too, so there is really no need to get insurance on any electronic devices. Reducing energy and researching alternative green energy is also very rewarding.

You should get these free weekly money saving tips []. It’s about all the things you can do to save a lot of money each month without major life style adjustments. When you sign up you also get a free report on saving money by alternative energy and on your car.

Don’t wait any longer and get the free report [], it will be very rewarding and the tips are easy to apply.

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