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Tag Archives: saving money

Unconventional Ways for Finding Wiggle Room in Your Budget

finding more room in your budget

We’ve talked before about building your budget. By now you’ve probably also scoured dozens of different articles that promise to teach you how to reduce your monthly bills so that you have more money for savings and for fun. All of those articles have the same tips: use the library, don’t shop as often, buy in bulk. This article is going to be a little different. In this article we’re going to teach you some of the unconventional ways to reduce your monthly spending. Go to the Source A lot of people think that the only bills you can negotiate are credit card bills. This is not true! You can also negotiate (at least to a certain extent) your utilities and other bills as well. Start with you power bill. Scour that bill and look for any charges that seem unwarranted and then–this is where most people chicken out–actually call your company and ask about them or even dispute them! Getting unwarranted fees and taxes taken off your bill can reduce it by quite a bit. If you live in an unregulated area, like Texas or Illinois, start shopping around. For example, if you live in Houston, spend some time ...

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9 Easy Ways to Save Money as a College Student

how to graduate debt free

Let’s face it: the cost of a college education these days is enough to make you want to pull your hair out. From the tuition costs right down to the day to day expenses, if you’re not careful about your expenses, you could find yourself in a lot of debt before ever having landed your first job. So, how does one go about saving money while trying to obtain a college degree? Simple. All you have to do is make a plan and stick to it. Here are some suggestions to get you started: Create a Budget -The best way to save money is to have a budget. While this might not seem like a savings tactic, knowing exactly where every penny you’ve earned is going is a great way to analyze where you could find additional savings. Therefore, start by jotting down all the various expenses you have on the monthly basis. Incorporate the income you have coming in (student loan funds, money from parents, or income from a job). Keep track of this on the regular basis to ensure you don’t go over budget as every penny can count towards savings somewhere else. Buy Used School Supplies – ...

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5 Things I’m Spending Too Much Money On And How I’m Going To Stop

ways to curb your spending

I’ve  noticed that our spending has crept up over the past few months, and I think I’m mostly to blame. The problem is that I can justify just about any purchase and make it seem like a necessity. That’s probably a big reason we got into so much debt a few years ago. We’re not in that situation by a long shot, but I’m not liking the trends. I’ve found that when I share my financial woes, I’m much more likely to turn negative into positive, so here are the things I’m spending too much money on and how I’m going to stop. 1) Groceries No, I won’t stop buying food, but our grocery spending has crept up since we paid off our debt. In a way, I’m OK with that because one reason to pay off debt is so you can actually buy a bag of cherries and not feel guilty about it. On the other hand, I do think I get fooled by the store’s advertising. I see things on sale and buy them, even if we don’t really need them at the time. The other day I went in for a few items and found myself buying ...

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Confessions of a Super Saver: I Wore a Pair of Disposable Contacts For Two Years

This is a post from Brent at Vosa.com. Enjoy! When I think about this story, I can’t hardly believe it. I can’t hardly believe that there was a time in my life where I wore the same pair of one month disposable contact lenses for more than two years. Yes, you read that right. I wore the same pair of disposable contacts for more than 24 times longer than I should have. The worst part is that I didn’t, and still don’t, have a really good excuse. I was a year or two into my first job out of college as an engineer designing medical devices. I made a reasonable wage for a second year engineer and I could definitely afford to buy new contacts. Apparently my priorities were more closely aligned with my savings and investing goals than the health of my eyes because I put off buying a supply of new contact lenses for two long years. You don’t need to be an optometrist to know that this is a terrible idea. I’m pretty sure I even knew it was a terrible idea at the time and I’m happy to report that my eyes survived my two years ...

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5 Tips to Supercharge Your Savings

choosing a savings account

Savings are a ‘one-day’ goal for many people, but they don’t have to be – even the most financially strapped person can create a small savings account just by doing some simple financial re-evaluating. Choosing the right bank account is important, and saving and investment options on the BOQ website are a great place to compare bank accounts and get the most out of your finances. Below are some other great tips to give your savings a boost. 1. Super Saving The best way to supercharge your savings – put your money in a high-interest savings account. It’s almost like you’re being paid to do banking! The added bonus with these accounts too is that more often than not, there are no hidden charges such as maintenance fees, so all your money stays your money. 2. Make a Plan Just like you put aside or set up direct debits for bills, make a plan to do the same for your savings. Don’t just put a few dollars away each week if you happen to have some left over money. It doesn’t have to be much, just a set amount to automatically come out of each pay and be deposited directly ...

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