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Tuesday, October 28, 2014

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).
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To Your Success,
Jimmy Chin
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Saturday, April 26, 2014

Patience: The Virtue That Saves

Patience is a virtue.  It takes some character to exhibit such levels of moral excellence, but did you know that by doing so, you could save money at the same time?  Read on to find out how you can economize by emanating the virtue of patience.  

Have the patience to walk instead of drive.  It saves you gas, parking and the stresses of driving.  Walking improves your health and well being while saving gas money.

Be patient: compare before you buy.  From personal clothing to health club memberships, from plumbing services to insurance plans, from car accessories to a new home; compare the offers of 3 to 5 suppliers or service providers before finally settling with one.  Let them know that you are taking the time to search the market and they may just be able to offer you the best savings.  Truly, the patient consumer is a winner!

Use coupons as much as possible.  Be patient in cutting them out and going through them before making any purchase.  Pack them together with your grocery bag or in the car so you can use the discount voucher at every opportunity.  One can save $20 - $50, just by using the coupons.  

Track your expenses.  Have the patience to keep your receipts and record all your expenses, no matter how small or frequently they occur.  By doing so, you are made aware of where every single penny goes.  Furthermore, you will know when you have spent too much on clothing, when in fact you still need to settle your credit card balance, or pay the mortgage.  You will have a better hold of your financial health, by patiently tracking your finances.

Hold-off and sleep on it!  If you are about to purchase a $100 item, hold off the purchase until you’ve given it much thought, say sleeping on it for 1-2 nights.  If after such time, you decide that you absolutely need and can afford the purchase, then go ahead.  Nevertheless, you’ll be surprised at how much you can save by just sleeping and thinking things over.  

Devote money in long-term investment.  Understand that when you take up long-term investment, you do not need the money for now, and it is not considered as part of your daily finances.  However, such money when set-aside will reap great rewards in the future.  

Exude moral excellence by patiently saving for years to come, starting today!
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To Your Success,
Jimmy Chin
Need More Money?
Click Here Now.

Thursday, April 10, 2014

Money Savings on Food

Thinking of cutting down your expenses on food? Then you should read the following tips. They will surely help you on reducing your food expenses. They are by no means comprehensive but they will be very useful. 

For coffee drinkers

It is a good idea to re-use the grounded coffee once. Using coffee grounds two times or more will not greatly affect the taste of the coffee. It is highly encouraged to do this using a filter that is permanent and avoid the paper variety. Keep the grounds refrigerated until using it the following day. 

For bread lovers

Grocery stores sell bread that was made the day before at a much lower price. There is nothing wrong with eating bread that was made the day before since it still is good to eat. If you have a lot of space in your refrigerator, store a lot for bigger savings. If you will eat the bread, you can defrost it using your microwave oven. Re-heat it every 30 seconds to prevent the edges of the bread from getting too hard.    

When buying from the grocery

Before going to the grocery, you should have already made a list of all the things that you really need. Prioritize basic goods and avoid buying things that you do not really need. Observe the prices indicated on the displays. Remember, branded products cost considerably more than store brands. It is also a good idea to keep the receipt of your previous trip to the grocery and make it as a basis for your purchases on your next trip. To have higher savings, buy more of the product. You can always store it in your refrigerator or in the house to minimize your trips to the grocery store.

When eating outside

If you are going to eat in a pricey restaurant, the best time for you to go there would be during lunch. Food during lunch usually costs less and this will be to your advantage. When staying at the hotel on your trips, it is a good idea to check if they also include breakfast in your total room charge. You should also find out where the locals eat. Chances are, they will eat where the food is great and the price is even better. When going around, carry with you some snacks. A chocolate bar, chips, and cookies will go a long way while strolling around. 

Eating cheaply does not necessarily mean eating bad food. Look around and you will be suprised at the options you can choose from. Take time and consider your choices so that you will not only eat a lot but save some money also.        

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To Your Success,
Jimmy Chin
How To Get $1,000, $3,000 and $5,000 Commissions?
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Friday, March 7, 2014

Five Great Ideas to Save Money

Want to save money but don’t know how?  Feel like depriving yourself when it comes to saving money?  Don’t be disheartened.  Try these five money saving ideas, without breaking up a sweat!

Reduce or eliminate magazines.  If you are a typical American family, your mailbox gets its regular fill of magazines: business, sports, home and garden magazines.  Can you imagine how much each of these subscriptions cost?  Annually, it is an average of about $20 per magazine.  If your family is subscribed to 5 different magazines, that’s already $100 savings per year!  If you still need the information from such mags, try to check out their websites and you’ll be surprised at how much free information is available! 

Buy in bulk.  How can warehouse and discount clubs drastically lower their prices?  Because they buy and sell in bulk.  And so should you! Consumables that are non-perishable can be purchased 10-15% cheaper when bought in bulk.  Be sure to stock up only on fast-moving items such as kitchen towels, cleaners, canned goods, etc., to avoid wasting money on rancid food.

Eat at home.  Eating out has become an American lifestyle.  What used to be an activity to celebrate special occasions has become part of the daily, fast-paced life.  But did you know that eating out could chomp as much as 40% of your budget for food?  That’s as much as $40 weekly, saved just by eating in!  

Plan your meals.  Eating out 4X a week need not be your solution to a dynamic lifestyle.  Menu planning is! Take time on weekends to plan for the following week’s meals.  Every night, before you hit the sack, take out the ingredients for the meals of the next day from the freezer, and store them in the refrigerator.  By the time you get home from work, everything is thawed and ready to be cooked.  And because eating out is part of the American way of life, you would have saved enough money to spend for dining out on special occasions!

Homemade skin care.  Is your dermatologist eating up your budget? Don’t you wish you can be beautiful and save money at the same time? The answer is yes, you can!  By using ingredients from your pantry, you can take care of your skin and still save a fortune.  Try the following:

- Honey and oatmeal can exfoliate dry skin.

- Ginger seeped in a bath softens your skin.

- Cucumber and milk softens tired skin.

Without drastically changing your lifestyle, you have started your path on saving money.  Secure your future by using these money saving ideas, today! 
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To Your Success,
Jimmy Chin
How To Get $1,000, $3,000 and $5,000 Commissions?
Click Here Now.