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Veterans-Day--Best-deals-and-offers-for-your-brave-soldiers-compressor

Veterans day – Best deals and offers for your brave soldiers

Why do we celebrate Veterans Day? Basically, to celebrate and to honor the brave soldiers, who have sacrificed their lives in America’s battles.

Veteran’s day was first celebrated as “Armistice Day”, on the occasion of the winning the war World War I between the Allies and Germany, at the 11th hour on the 11th day of the 11th month, 1918. Later, after winning the war over the Axis Powers in World War II, in 1954 the name was changed to “Veterans Day.”

It’s a day to honor American soldiers of all wars, for their sacrifice, patriotism and the commitment to serve for the good of the nation.

Veterans Day this year will be on Saturday, November 11th, 2017 and declared as a Federal Holiday on Friday, November 10th, 2017.

To pay respect to our veterans, popular stores like Walgreens, Lowe’s, and Dollar General offer attractive Veterans Day discounts.

Check out this 2017’s deals:

1. Sunday, November 5, 2017

McCormick and Schmick’s Free Entree

Veterans and Gold Star families are offered a complimentary lunch or dinner at McCormick and Schmick’s on Sunday, November 5th, 2017.

2. Friday AND Saturday November 10-11, 2017

BJ’s Restaurant

All active military personnel and veterans can opt for a complimentary entree under $12.95 on Friday 10th and Saturday 11th November 2017. Any guests over age 21 can enjoy an alcoholic beverage for $6. Guests must provide their military IDs to get this offer.

3. Friday/Saturday/Sunday November 10, 11, 12, 2017

Spaghetti Warehouse (Buy 1 Get 1 Free Meal)

Get a special “buy one entree, get one free” coupon offer from Spaghetti Warehouse. You can redeem coupons from 10th November through 12th November. The coupons will be available from 3rd November on the Spaghetti Warehouse website.

4. Friday, November 10, 2017

Firebirds Wood Fired Grill

Veterans or active duty service members can get free lunch or dinner on Friday.

5. Saturday November 11, 2017

Applebee’s

Applebee’s will provide Veterans and Active Duty Military members free meal, select from a limited menu on Veteran’s Day. You need to provide proof of service.

Bob Evans

Bob Evans Restaurants are providing free select menu items to Veterans and active duty military on Veterans day.

Cicis Pizza

Free pizza will be provided if anyone shows a valid Military ID.

Friendly’s Free Breakfast, Lunch or Dinner

Friendly’s is giving a free dine-in breakfast, lunch or dinner from select menus to veterans, active members of US army by showing valid IDs on 11-11-2017.

Hy-Vee Free Breakfast

Hy-Vee is providing a free breakfast buffet during regular breakfast hours on Veterans Day.

K&W Cafeteria

They are also offering free meal includes choice of entrée, two vegetables, bread and beverage. Guests need to submit valid military ID on Veterans Day. Offer valid from 11a.m. to closing.

Little Caesars Pizza

On Saturday, 11th November 2017, from 11am to 2pm, veterans and active military members can get a free $5 HOT-N-READY® Lunch Combo at Little Caesars Pizza.

6. Sunday, November 12, 2017

Centraarchy Restaurants

On Sunday, November 12, veterans and active army personnel can get a free entrée. There are several restaurants who also provide such offers, they are – California Dreaming, The Tavern at Phipps, Chophouse ’47, Carolina Roadhouse, Joey D’s Oak Room, Burro Loco, Chophouse New Orleans, New York Prime, Gulfstream Cafe, etc.

7. Monday, November 13, 2017

Golden Corral

On this day, from 5 PM to 9 PM, Golden Corral offers a free sit-in “thank you” dinner for veterans, retirees, and active duty personnel.

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Save money without making any frugal plan

What you’ll think if I told you that you can save dollars without doing anything or without making any frugal plan? I guess you will be shocked or assume that I’m just kidding?

When you fall in debt, it’s hard to get rid of it. So, it’s better if you can save enough money to pay off your debts easily.

It was easy to learn about the conventional ways to save money by reading tutorials, or by following online videos, TV shows, or from Ebooks. But how about saving money without doing nothing, is there any way?

After a lot of research and discussion with my friends, I have found few ways to save dollars doing nothing or without any frugal plan. Let’s check them out guys.

  1. Quit drinking and smoking

Everybody should hate drinking and smoking. Actually it is ridiculous spending $120 on liquor or cigarettes. They actually have zero health benefits. Additionally, the cost of alcohol or cigarettes is high. There’s no meaning of converting your hard earned money into ashes.

Healthwise, both nicotine and alcohol can make you sick. Cigarettes causes lung cancer and alcohol may damage your liver.

The average cost of cigarettes are between $6 and $8. Expensive ones cost around $12.85. Recently, Mayor Bill de Blasio in New York announced that the cost of cigarettes will be increased to $13 from $10, each pack. So, if you are a chain smoker, then your total monthly expense will be sky high. Check out the price of cigarettes state-by-state and compare the prices. It’s better just quit smoking…you know.

  1. Say “No” to drugs

Never trust a person who is into drugs; even in vacations. Drugs have dragged too many people into living hell. Drugs not only affect your health and finances, but also demolished your family life. You’ll become isolated from your family, friends, even from society.

The drug is an addiction. Stay away from people who used to have recreational drugs. Selling and buying drugs is an illegal offence. So, avoid drugs at any cost.

  1. Stop pinning

We, humans are selfish, greedy and unsatisfied in every aspect. They pine for costly things which they don’t even require. People want fast cars, want to watch latest movies, want to wear the trendiest fashion, use the latest sound system, play latest video games, etc. What we fail to understand that these are only waste of money, nothing more.

If you want to save money, then stop pining for the greatest things. You can buy a good conditioned used car, a second hand music system may also give you the same experience. You can play free online video games. You can read free eBooks. You can watch latest movies later online, totally free. It’s that easy.

  1. Avoid junk foods

Don’t forget one thing, the more you eat, the more you pay. Junk foods not only make you fatter, but also drain your savings. It is tough to ignore delicious burgers, pizzas, french fries, ice cream, cookies, and hot dogs. But you must draw a line.

Start avoiding junk foods for a month. You’ll be surprised that your body and wallet, both will become healthy..

Conclusion

Drive safely and obey traffic rules. It will help you to save a good amount on auto insurance premiums. The lower your premium, the lower will be your car maintenance cost. Accidents not only can ruin your life, but it can cause fatal damage to someone else.

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Lifestyle habits that can save you huge amount of money

Sometimes the difficult thing of money saving habit is just how you can start the habit itself. It is really very difficult to find out easy ways to save money and how you can use your savings to reach your financial goals. So, let’s discuss few basic tips that can help you to develop a realistic money savings habit.

  1. Make a list of the expenses

The first step would be figuring out the amount of your spending. Keep track of all your expenses. This may include the cost of newspaper, coffee/snacks, etc. After getting the data, categorize them according to their total amount. You can use your credit card or bank statements as reference.

  1. Plan a budget

Once you have the idea of your monthly spending limit, you can execute a budget and try to fit your expenses into it. Apart from your monthly expenses, you must also consider expenses that occur often but not regularly. These may include car maintenance cost, home renovation, etc.

  1. Make a strategy on saving

After planning the budget, try to put away 10–15 % of your income as savings. If you save money every day as well as reduce your fixed monthly expenses,  very soon you’ll be able to build up a good saving habit.

  1. Choose a goal to save for

Try to set a goal. You need a specific target for which you’ll cut off expenses and save money. Figure out how much time you need to save for it. If you need help figuring out a time frame.

These are some examples of short- and long-term goals:

Short-term (1–3 years)

  • Emergency fund (3–9 months of living expenses)
  • Vacation expenses
  • Down payment for your bike or car

Long-term (4+ years)

  • Retirement investments
  • Child’s education
  • Down payment for your new home or any remodeling job

If you’re saving money for your child’s higher education and your retirement fund, then you may invest your money in IRA or a 529 plan. These investments might come come with risks but they also give you good, compounded returns if you plan properly.

  1. Initiate automatic saving

Almost all banks offer automated transfers between your checking and savings accounts. You should decide the time, the amount , and the account where you’ll transfer the money to. You can also divide your income between your checking and savings accounts. Automated transfers are a great way today to save money as you don’t have to twice about separating money into two accounts manually.

  1. Keep noticing your savings

Check your progress every month. Keep eyes on your checking and savings account. This will not only help you to stick to your savings plan but it also helps you identify and fix problems quickly.

These easy tips to save money will be very helpful to you and will inspire you to build a good money saving habit.

 

The one BIG problem with your 401k

Great guest post from William Cain over at www.adultingmoney.com

With the popularity of the 401k growing across America, more people than ever are jumping on the compounding interest, employer match bandwagon. And who wouldn’t! Your employer is giving you “free money.” If you’re not currently signed up then stop reading this and sign up now! It’s one of the best retirement vehicles on the market today.

Most employers draft it from your paycheck (pay yourself first!), and you can also select a Roth option if available. Most experts recommend contributing at least 15% of your income to ensure you’ll have a comfortable and adequate retirement. But who really wants comfortable and adequate??? Not me, and definitely not my fiance’s shoe closet.

So let’s say you up it to 15% of your $85,000/year household income and your employer matches 5%. Nice, up to 20%! Bring on that McMansion.

We’ll also assume it returns a 7% interest rate per year on average. How are we looking 35 years from now when we have to retire???

$2,450,000.

Boom…

So we’re going to be totally “multi” millionaires and burn $100 bills to light our $200 cigars with our $300 bottle of Pappy Van Winkle.

Not so fast. Here are some things to think about.

First, the money you contributed was pre-tax, which means once you take it out the government will want to collect on it AND the profits. Stupid taxes. The amount depends on which tax bracket it puts you in when you decide to withdraw. While we don’t know the tax climate 35 years from now, let’s say 15%.

$2,450,000 x .15% = $2,085,500. Still ok right?

But wait, there’s more!

Here’s the secret retirement killer, that hits everyone just the same regardless of how smart or dumb you were with your money.

INFLATION

It’s a scary word.

Using an excellent future inflation calculator
we can guestimate how much our remaining retirement monies will be worth in today’s dollars when we retire.

In this example, accounting for a 3%/year inflation rate, in today’s dollars, it leaves us with the same spending power as $741,000…

Ouch.

At age 65 this is the same monthly purchasing power as $5,638 and at 85 it’s $3,122.

Sure, hopefully, we’ve had our house paid off, rarely get new cars, and settle down into watching TV 8 hours a day. However, some people’s expenses actually increase once they retire. They now have the time to travel, play golf or a massage every week. What about medical bills? You know they’re coming, it just depends on how big they’re going to be. The average retired couple spends approximately $250,000 during retirement just on premiums! Are you helping your grandchildren through college? Helping your adult children through, well, adulting. There are so many factors and possibilities being supported on an ever-dwindling income.

So let’s reverse engineer it. Let’s figure out the kind of life we want in retirement, the things that are important to us, that we think may be important to us, and create a buffer the unexpected.

Next, let’s find out how much is it going to take to have the life we want in 2052 using our future inflation calculator.

Lastly, using simple 401k calculator lets see how much we really need to be contributing to hit our goals.

This isn’t meant to scare anyone or show unattainable goals and savings, but rather to shed light on how our retirement could truly shape up to be. The worst thing possible is to get to retirement only to realize it’s not the life you thought you had created, and it’s better to start working on a plan now to prepare then later.

This also highlights the need for additional passive sources of income among other well thought out investment strategies.

I’d love to hear your thoughts on this article and I’m always open to learning about topics that are of interest to you! Please send me an email, pigeon, or hit me up on the blog in the comments section.

As always, happy adulting out there!

stay healthy tips

5 basic tips to stay healthy while you are in college

Sometimes, due to the frequent classes, homework, meetings and your social lifestyle, you may skip the habit of keeping a good health. Being a student is tough, you might think that health is such a topic which you don’t have to bother much. But developing healthy habits can help you to stay healthy throughout your total lifespan. Here are 5 tips that’ll help you to stay healthy being a college student.

1. Eat properly

Eating healthy food can help you to boost your body’s immune system. Sometimes it’s not possible to eat healthy food during college, but there are easy ways you can manage your eating habits.

First, don’t skip breakfast. Grabbing a cake or banana might give you the boost to carry on throughout the day. Try not to skip meals. You always need to eat when you are hungry, don’t kill it. Take a bowl full of salad or sandwich as per your requirement.

Keep these three things in your mind while eating foods – quality, variety and balance. Try to maintain a balance between dairy foods, whole grains, veggies, fruits, and ofcourse..protein intake daily.

2. Sleep properly

Good sleep is required to maintain a balance between your physical and mental strength. It will help to keep your metabolism rate normal, improve your memory, and removes toxins from the muscles.

Lack of sleep reduces your energy, concentration power, increases anxiety, and depression. Lack of sleep also increase in appetite, and that may cause a weight gain. Try to maintain a regular sleeping pattern of minimum 7 hours at night, wake up early and exercise.

3. Exercise well

Doing exercise in a busy college schedule is difficult. But today, most of the colleges have arrangements for students to get exercise. But initially you can start exercising by walking to your class. Depending on your class schedule, you can do this for 20 minutes to 1 hour everyday.

Most colleges also offer free or discounted memberships to gyms. Consider your gym class like an extra class in your daily routine.

You can try different forms of exercises like – kickboxing, cycling, swimming, yoga, tennis, or soccer. These are all great ways to become fit.

4. Choose your drink carefully

There are four types of drinks or beverages that can affect your health. These are 1. alcohol, 2. soda and soft drinks, 3. caffeinated drinks, and 4. water.

The excessive consumption of alcoholic drinks can damage your health. Studies reveal that if you consume alcohol regularly, it will impair your ability to absorb nutrients.

Intake of soft drinks, sodas, and sweetened fruit juices can cause abnormal weight gain and improper digestion. SO TRY TO AVOID THEM AS MUCH AS YOU CAN.

Caffeinated drinks like tea or coffee can make your body dehydrated, make sure to intake two glasses of water for every coffee or energy drink you consume. Also, too much drinking coffee can hamper your quality of sleep at night.

Make sure you drink plenty of water everyday. Drinking plenty of water can increase your appetite, removes toxins from your body, and also keeps your stomach fit. Try to drink a glass of water every hour.

5. Wash your hands properly

Washing your hands can save you from multiple germ infections, and viruses. College students are always in close contact with others, so it is easier to catch colds or viruses. Wash your hands properly before every meal, while touching your eyes, nose or mouth.

6. Avoid smoking

Smoking causes cancer, and many more lung diseases, heart disease and emphysema. For those who want to quit smoking, can join student health centers for several anti-smoking programs.

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Back-to-School Health Tips for kids

You might have finished back-to-school shopping for classroom supplies, uniforms, lunchbox, bedding etc, but have you done your child’s health issue? Your kids must start the new school year in good health.
So, let’s discuss some tips on your child’s eyesight, dental care, sleep, prevention for disease, safety, and other health oriented issue.

1. Eyesight

In a classroom session, 80% of learning is based on visual elements. So, your kid should have a clear vision before going back to school. An eyesight problem may still arise even if your kid has passed an eye screening test. So, before hitting the new session, you kid must need a comprehensive eye exam so that he or she can contribute the most of them.

2. vaccination

The vaccination schedule can protect your kids from the different illness. Kids who suffer from allergies might get into trouble during school where dust mites, mold, and other allergens flourish in the classroom. Contagious illness spread from person to person through different mediums like air, water or from physical contact. Teens and young kids must get their vaccination as early as possible.

3. Dental health

Kids must follow good dental routine just as they do their school routine. Whenever they are, they must brush twice a day for two mins, at early morning and after the meal.

4. Bedtime routine

Kids have a tendency to skip proper sleep during summer. They also wake up late during that time because of the holidays. So, start shaking them up early morning, starting from today. Their school-time sleep routine must become their habit unless they’ll fall asleep during class. Don’t let them back into their summer schedule.

5. Hygiene issues

Seeing any excessive head scratching? Might be head lice. Ask your kids not to share combs, hats, and clothes with any other kids from the class. Do a visual check once a week for ticks. The most easier way to avoid catching germs and maintain hygiene is to encourage your kids to wash hands properly. Hand sanitizers work well if they can’t arrange soaps. Ask them not to use the same clothes every day, especially undergarments.

6 Common Financial Mistakes

Here we will take a look at some of the most common financial mistakes that the majority of people make. You might say, this doesn’t apply to me. Are you being truthful with yourself? My gut tells me you are in denial if you believe you don’t have some sort of financial problem.

1) Frivolous and Excessive Spending
Many people assume that their day to day spending is in control. What is the big deal about the $4 coffee or the $9 lunch? These are normal, right? Wrong. Small purchases add up quickly. The frivolous $15 spent per day is huge when measured on an annualized or compounded basis. $15 x 365 = $5,475. If this $15 per day was invested over 40 years at 8% interest, the balance equates to $1,592,772. Frivolous spending is debilitating. Get your act together. This is low hanging fruit. Be disciplined.

2) Never-Ending Payments
How can anyone gain considerable wealth by staying on the payment plan? Whoever invented lifelong payment plans is a genius. People assume it is natural to have 15 reoccurring payments each month. Anything subscription taking away money from me each month does not feel natural. I am sure you could eliminate half of the plans without much pain.

To name a few:

  • Netflix subscription
  • Cable TV
  • Gym membership that you use 2x per month
  • Fancy cell phone plan

3) Living on Credit Cards
For households that carry credit card debt, it costs them about $1,300 a year in interest. Today, the average household with credit card debt has balances totaling $16,748. Only 52% of credit card owners pay their credit card in full each month. Living on borrowed money will only cause heartache. I have seen too many close friends or family give away their freedom to this kind of behavior. Don’t be another statistic. You will never generate wealth by living on borrowed money.

Never fall behind on your credit card payments. Always pay your balance in full. The U.S.News and World Report explains that 35% of your credit score is based on your payment history. Another 30% is based on amounts owed. Don’t ruin your life by having an unpaid credit card balance. There’s a reason why credit card companies offer huge promotions for new card holders. They count on you carrying high balances. It just means more revenue for the credit card companies.

4) Buying a New Car
New cars depreciate very quickly. Payment plans are debilitating. Don’t get more than what you need. The economic, older car will still get you to your destination. What is the purpose of a vehicle? To get you to the destination. Nothing more, nothing less. So why get the big, expensive SUV with all of the bells and whistles? You are not impressing anyone. The seat is not that much more comfortable. If you can’t pay for the car with cash, you probably can’t afford it. Being able to afford the payment is not the same thing as being able to afford the car.

I feel bad for people when they buy a new car. They post a picture on Facebook and everyone “Likes” their new purchase and congratulates them. Why congratulate someone for signing up for another payment plan? Please, don’t encourage the wrong behavior. Instead, I wish more people would recognize payment plans as a form of bondage. Payment plans are miserable. Payment plans are not your friend. They take all your money each month and charge you interest. Doesn’t sound very friendly to me.

5) Spending Too Much on Your House
Housing is the number one expense for most households. Owning a big, fancy house just means a big, fancy payment plan. Mrs. H and I have chosen to live in a modest condo that is completely paid off. It feels wonderful to not be on the payment plan. We could sell our four paid off condos and purchase a very nice house. Instead, we choose to live in a condo and generate rental income on the other 3 condos. There is always an opportunity cost. People justify buying a huge house as an investment. Over the long run, owning a house appreciates at the same rate as inflation. Instead, I consider a house a liability. It takes money away from your monthly income. Anything that negatively impacts your income is a liability in my book. Minimize your liabilities.

Never refinance your house. Refinancing and taking cash out is a bad strategy. This will reduce your net worth and increase your monthly payments. Also, it will cost thousands of dollars in interest and fees.

6) Living Paycheck to Paycheck
This is a miserable way to live. Just think about it, constantly living in fear of not being able to pay your bills. Always one paycheck from being evicted from your home is a terrible way to live. If you believe it is impossible to save money, you are in denial. There are ways. Get creative. Make sacrifices. Avoid eating out. Stop buying the $0.99 soda on your way home from work. This all adds up.

Here is irony: when you get a 20% raise, you still somehow find yourself living paycheck to paycheck. Living paycheck to paycheck is less dependent on your income and more dependent on your choices. There are many low-income earners that are never living paycheck to paycheck. In contrast, there are many high-income earners constantly on the brink of financial ruin. Don’t make excuses. Life is expensive. It always has been and always will be. Just change the way you choose to live.

Bottom Line
You might say that your scenario is unique and there is no way to get out of the rut you are in. I would say that it is possible to get out of your imaginary long term out. Imagine you and I could have a personal conversation. Within 5 minutes we could come up with 5 relatively simple strategies that could be implemented immediately. You can change your circumstances but you must first Believe it is possible. The work every day to make your dream a reality. Life isn’t meant to be dictated by uncontrolled finances. Money is a tool to gain freedom, not lose freedom.

Contributed by Mr. Hammocker

Wearable technologies to reclaim their lost ground exponentially

Wearable technology 2017

Wearable technology 2017

Any sufficiently advanced technology is equivalent to magic. – Arthur C. Clarke (Author)

If you thought the age of wearable technologies (wearables) is passe. Think again. Coz the market is ripe with rumors about a fabulous comeback of the wearable technologies with a bang.

A new report published on the official website of the International Data Corporation (IDC), global wearables market are expected to double by 2021. The IDC forecast says vendors will ship around 125.5 million wearable devices in 2017 alone – a significant bump of 20.4% as compared to 104.3 million units shipped in 2016. 

The wearable markets will continue its forward march to reach a 240.1 million figure by 2021 that would result in a 5-year compound annual growth rate (CAGR) of 18.2%.  

Ramon T. Llamas, a research manager at IDC’s Wearable arm, has said that digital assistants, connections, and connectivity to larger systems from 2nd-generation and 3rd generation devices will be more functional, both at home and work and will make today’s gadgets obsolete. 

Top 4 wearables to watch out for in 2017

  • Wristbands - The wristbands ruled the wearables market but they’d lose their steam in the future. The wristband market experienced some hiccups in 2016 and it may continue to perform poorly in 2017 as well. However, there could be a proliferation of affordable devices with good features that will cater to the mass market. Users are expected to accept wearables because of their extra utility and multi-tasking capabilities.
  • Watches - During the entire forecast period, the total number of watches shipped will take up the lion’s share of the wearable technology market. Conventional watches – the basic ones that don’t run any kind of third party applications like fitness/GPS watches, hybrid watches, and many kid watches, will post far better performance than smartwatches (such as Apple Watch, Samsung Gear, and all the Android Wearables). The reason is many conventional watchmakers have upped the ante against the smartwatch companies as they have started using their resources to build more and more hybrid watches. As a result, it’ll create higher TAM every year. But, smart watches will keep growing in leaps and bounds as cellular connectivity grows further.
  • Clothing - The smart clothing market has started making its presence felt, especially in China. A number of Chinese vendors have begun delivering smart clothings like shirts, shoes, belts, socks, and other connected clothes. Right now consumers are wary of using connected clothing but professional athletes and some organizations have started using these garments to improve their on-field performance. The good news is that Google and Levi’s are releasing their first jointly developed, Jacquard-enabled jacket to break the mass apprehension.
  • Earwear - Don’t expect to hear anything about the Bluetooth headsets here that can only help you make and receive voice calls. The wearable technology market is vying for more sophisticated, more functional and smarter gadgets that can send information back and forth to any smartphone application. Take, for instance, Samsung Icon X, Bragi’s Dash and so on that would provide real-time audio filtering or language translation, besides collecting fitness data of the consumers.

Apart from the above, latest wearables like non-AR/VR eyewear, clip-on devices, etc will hit the technology market across the globe.

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11 Habits you can practice to save more money in your 20s

Twenties is the right time to practice good financial habits. Because, at this age every one should prioritize their finance in order to make a smooth financial life. If you’ve a habit of spending more than what you earn, it would be really difficult for you to fight with debt. The major reason that people incur debt is because they don’t know how to live within their means. If you have a couple of credit cards in your hand and indulge into heavy shopping without thinking about future consequences, then you’re in trouble. Once you fall in debt, you’ll realize how difficult it is to get rid of it. It is better that you start building new habits to become a money saver.   My article can give you some suggestions.

Financial habits you can build in your 20s

Here are the 11 habits that can help you stay financially independent not only in your 20s but throughout your life.

1. Set up a goal

You should have some reasons to save money. Think what do you want? A home, financial independence, getting rid of your student loan debt . Take your first step and achieve one by one. Your desire will inspire you to save money and thus you can build a good money habits as well.

2. Give yourself a deadline

Always fix a date by which you can meet your goal. This will give you a push to save money. Think about your goal once a day. Thus, you can avoid big expenses and stay within your budget.

3. Create budget and modify accordingly

Budgeting helps you spend less than what you earn. This helps you to save more as well. As you expend less and save more, you incur less debts and even if you do incur some, you’ll have the money to pay those off. You’ll have to make a list of your income and your expenditures in order to create a budget . A budgeting calculator can help you prepare your budget. If required, you’ll have to analyze and also modify the budget from time to time as per the changes in your income and your expenditures.

4. List items of your requirement

At the beginning of every week you should list the names of items you would require throughout the week. This list should only include items of necessity and not luxury. You should then visit the mall once a week to buy things you’ve written down in that list. You should remember to carry the list with whenever you go for shopping.

5. Use cash for shopping as much possible

One of the major reasons why young people get into debts is credit cards. When you’ve a credit card in your hand, you can barely resist the temptation of buying anything that catches your fancy without thinking whether or not you at all need it. Instead if you use cash for purchasing,   you would not be able to spend much even if you want. This is because you cannot carry too much cash always.

6. Stay within your means

You’ll have to change your style of expenditure in order to save money. That is, you’ll have to become more disciplined and lower your expenditures as much as possible. In addition, lower the usage of credit cards as these incur higher debts.

7. Make a habit of using coupons

Coupons are a great way of saving money. You can collect coupons from newspapers, magazines and even some websites which allow you to download free coupons. Thus, you can use these coupons to buy items on discount. Talk to your parents or elderly persons to get some information about couponing.

8. Make your own food always

Eating out, ordering food or buying lunch can make your pocket considerably lighter. It is better you skip eating out except for those very rare occasions when you want to go for dinner in a restaurant to celebrate anything. You should also carry brown paper bag to office so that you don’t need to buy food.

9. Set up an automatic savings account

Set up an automatic savings account to avoid spending money on something else. You can ask your employer to directly deposit a certain amount of money from your salary into the savings account. Pay yourself before paying others. Start small with just 1%-2% of your salary. Once it becomes a habit, you’ll see how fast your money grows.

10. Fight with debt

You should work on your financial obligations as soon as possible. The sooner you pay off your debts, the quicker you can start saving money. Try to pay the high interest debts first. Try to fix your credit card and student loan debts now.

11. Give priority to your career

Take your job seriously because your profession will give you a smooth financial life at the age of 30. A good job is always a steady source of income. Work hard and acquire advanced skills in order to stay financially secure in the long run.

Bottom lines

Try to learn more about banking, investing, handling finances and so on. Read journals and financial magazines. Visit good personal finance websites and follow financial market on TV channels. These all are good habits you can build in your 20s. Thus, you can discover your own ways to deal with money as well.

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Commodities you own too many of – Things that can eat your savings – part 2

Hey Guyz..this is the continuation of the last post. Let’s check on some more of those things which we can cut off from our budget and save some bucks..yeah!

 

Makeup kits – If you are a lady, your makeup, especially lipsticks, mascaras, liners and many other make up utilities will cost thousands. I have seen most of the ladies always toss their make up things after using, here and there. anything you haven’t worn in the past year, you can gather in one bag and sell them or you can reuse them through the help of a professional makeup artist.

Books – Books are one of the most important part of our daily life. Many people doesn’t love to read, but fortunately, that number is decreasing day by day. Other part on the people thinks that books are specially made for decoration purpose. But either way, if you are not using them, you can utilize your collection and donate as many books as you can to the local library, a orphanage, or gift books to friends and relatives.

Bathing stuff, frilly soaps and scented candles – If you have these items, don’t use them to fill up your closet. You might be saving them for a special day. It is ok, but what you can do in the meantime is to keep them along with your clothes in the same closet. Your clothes will be scented without any hassle.

Vases – Use old vases for different purpose. You can use them for growing trees, use them as show-pieces. Recycle them by giving a personal touch, paints, ribbons and give them as a gift to your loved ones.

Closet hangers – Hangers always jumbled up with each other and looks messy. So, better not to buy so many of them. Use uniform slim hangers which will save space and looks neat, keeps your clothes longer. Clear your closet from stuffed wire hangers and contact the cleaners who will accept your old hangers.