5 Ways to Save Money on Buying New Clothes

by Drew Allen on July 17, 2017

If you have younger kids, it may seem that you are constantly going clothes shopping.  As soon as the piece fits them perfectly, the next week they have already grown out of it.  While you should try and donate all of your outgrown wardrobe to at least recoup a little expense during tax season, as you get to be an adult you need clothes less often, so it is important to take care of the clothes you do have.

Follow the Correct Washing Instructions

It may seem like common sense in correct washing, but not only washing and drying at the correct temperatures, but also turning your shirts inside out during the wash cycle can extend the life more than it would throwing it in with the others as-is.  I learned that the hard way between washing dry-clean only and ruining, shrinking and not being able to wear again, or having decals from a jersey come off from not turning inside out to wash.

A Solid T-Shirt is Nothing More

Whether it is a V-neck or crew, a t-shirt is a t-shirt, especially when it comes to solid colors, which are in these days for casual and even acceptable for a night out on the town.  The thing is though, since they are solid colors, no one will know what brand it is, so there really is no difference between a Target t-shirt, and from a high-end store in the mall, so spending anything over $9 on a shirt like that, as anything over that would be a complete waste.

Buy Only with Coupons

An in-store sale is never enough, so you should always look beyond that, with a coupon code online or a physical coupon to bring in the store.  Often stores like Express send you coupons in the mail every month or two, at which you can save a ton of money by hitting the spending threshold in order to take money off.  If you can hold off longer, stores like Carson’s hold yearly sales that seem items are practically given away.

Keep an Eye on the Seasons

Speaking of holding off, you never want to buy summer clothes in the summer, while that may sound odd to say, but that’s when they are top dollar.  Just like you wouldn’t want to buy a winter coat in the dead of cold.  If you can wait until the next season or two, retailers will give significant discounts off of those items that were full priced in their peak season.

Remove Clothes Shopping from your Budget

As mentioned with the Carson’s example, if you can avoid going clothes shopping every week and maybe at least once every few months, and at best, once a year, you can really get into the need vs. want, and make sure that when you are making a clothes purchase, that it is out of necessity, and not something you are buying just to wear out that night.  If you can live by that, you will save a significant amount of money.

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Ways to Save Extra Money this Summer

by Drew Allen on July 3, 2017

Summer can be an expensive time of the year.  You would think it wouldn’t be too bad, working outside around the house and the kids being out of school and playing outsi—–I mean inside on their electronics, but there can be all sorts of extra expenses that come with parties, vacations, and entertainment.  This makes all the more sense to cut corners at any place you can, so with a few life adjustments you should be able to save plenty of money this summer.

Cancel the Gym Membership

Sure, every little bit helps, and I bet you are paying more than just a little on your gym membership.  I know I was paying $50 a month for my wife and I, which I guess isn’t terrible, but it was throwing $50 a month away because we stopped using it.  Instead I’m finding myself working outside more, taking the dog for a walk, and if I’m really feeling motivated, I’ll take a jog around the block.  Maybe in the winter it makes more sense to join back up, but for now it just seems to be wasting money every month.

Stay Home to Eat

I’m sure you have realized by now the amount of markup for going out to eat.  Sure, they cook, serve, and clean up after you, but that’s why you pay the big bucks.  While I’m not against going out to eat once in a while, why go out often and pay the extra money when you can fire up the grill and cook while it’s nice out, enjoying a cold beer.  There are so many options you can grill these days between meat and vegetables, not to mention you save on your electric bill from not heating up the house while cooking on the stove or oven.

Plant a Garden

What better way to ensure that you have fresh produce coming in all summer, and fall for that matter, for just a few dollars of startup cost.  If you can section off an area in your backyard for a garden, you can plant of varieties of spices, peppers, lettuce, tomatoes, etc. that if you take care of it, can give you more than you’ll be able to do with.  Last year it stayed nice so late into the winter months that we had to give away tomatoes and peppers to friends and family, not to mention freezing many of the peppers.

Use a Rain Barrel

Water = money in the summer when it comes to trying to keep your grass from being all burnt up, plus watering flowers, and now that you have a garden, you can use a little free water and what better way than hooking up a rain barrel to your gutter.  All of the rain water will collect in the barrel instead of running off into the ground or even worse, the sewer.  You would be surprised how quickly the rain water will collect and you can use without the spike in the water bill.

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Great Ways to Make Extra Money

by Justin Weinger on June 30, 2017

There are numerous ways both online and offline that you can use to make extra money without so much struggle. Selling stuffs you don’t use or going online are some of the legit ways of earning extra income because no matter how good a money saver you are, having some extra money is always convenient. Here are a few great ways of making extra income.

Sell stuff online

Your closet may be fully packed with stuff you never use or even remember they exist. You can use online platforms like eBay to sell them and make extra money. Those clothes that you don’t wear, sell them on eBay which is arguably everyone’s best friend when it comes to getting rid of stuff that you never use. If you are not afraid of taking risks, you can buy things early and sell them later making profit. All you need is to try and look at the trend and predict what will be huge in the market after sometimes.

Rent out your driveway or garage

If you don’t use your driveway or garage, why not rent it? You can simply turn your garage into a money making machine by renting it out especially if you live in big cities like London where parking is a problem. If you have a garage but no car, rent it out for others to park. Renting out your garage or driveway is not limited to parking only, you can rent for other things like bands to use it for rehearsal. You could make as much as 15 000 euros per year from renting out your driveway or garage.

Completing simple tasks like online surveys.

There are many websites out there that will pay you to take surveys online. Although some of them are no legit, there are many that will pay you to read advertiser’s email therefore making some good extra money. You just need to sign up for free and start taking surveys. A typical survey takes 5 to 35 minutes so it won’t take much of your time and you stand to up to 30 euros per survey. The companies are there, all you need is to choose the best and start earning.

Make extra money from blogging.

Websites are seeking for bloggers to write posts and reviews daily on their websites. It’s a great way of making extra income especially if you have a blogging passion and enjoy writing.

Try online market trading

Online trading marketing is arguably one of the many ways by which you can earn extra income. Sites such as CMC Markets create a favourable condition for people to trade online and make quite good amount of money. Using your laptop or phone, you can do it from wherever location you are or at any given time. Online trading is good business that you should try if you want to make some extra money and you can treat it like any other business that you run. All you need is to look for the best stocks, trade and make money.

Make cakes and sweets and sell them.

Selling cakes and sweets is a great and easy way of making extra money as it’s not something that you must do on a daily basis. All you need is a recipe and a rough idea on what people would buy and eat so you don’t have to be qualified for it. But you can consider enrolling for baking course if you want to enhance your skills and improve quality of your products.

Start ironing and laundry service.

It may not seem as a fun thing to do but you can make extra money from it buy just spending a few hours a day doing it. You just need some small investments on a good iron box, good coat hangers, and business cards for your customers and then you begin making money.

Sell old CDs, DVDs and more.

There are several sites that lets you sell old CDs, DVDs and computer games therefore making good extra money. Those sites are generally simple and easy to use and they give instant responses so if you got a lot to sell, you can do it quickly and make money.

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Smart Ways to Manage Your Finances

by Drew Allen on June 13, 2017

Summer can bring on so many extra charges, as fun usually goes hand in hand with spending money, but you can still enjoy all that there is to summer by deducing money wasted on unnecessary spending, but to save where you can so you are able to splurge in other areas.  I would much rather skip going out to eat a few times a week and turn that money saved into a weekend trip to the lake, by maybe just managing money a little smarter.

Keep Track of Every Dollar Coming and Going

It can be easy to lose track of where your money is going, especially if you do not check your balance or your statement often, you can be lucky if you are even breaking even at the end of the month, let alone carrying over a credit card balance.  A great way to minimize purchases is to actually start looking at where your money is going.  If you pull the previous month’s bank or credit card statement you can actually go line by line and see what was necessary or what probably could have been avoided.  All of the avoidable purchases add up and see how much you could have saved.

Create a Budget

To take your finance tracking a step further, how about actually allocating a set amount of money that not only goes to paying bills, which is fixed, but how much you can spend on food, gas, and probably the area where you are giving the most, spending/entertainment money.  If you can give yourself a set amount and only spend that much, you can avoid going over and being in the spending free for all that you are currently in today.  Your budget will most likely need to be tweaked along the way and you figure out the minimum to be spent in each area.

Use a Credit Card Wisely

A credit card is not all bad, contrary to what we were taught when we were younger, that credit cards are used when you don’t have the money otherwise, but in fact if used responsibly they are great for the rewards benefit.  Depending on the card, they can provide cashback in the form of points to be redeemed for gift cards, or some even offer actual cashback dollars in the form of a check sent to you once a year, all for just making the normal purchases you would make anyways.

Build an Emergency Fund

Speaking of using credit cards wisely, what about when something comes up that you are not able to pay for and then you have to put on a credit card and pay interest on until you can pay it off?  Well if you can start an emergency fund for that very reason, you can have cash available if needed to use instead of putting on a card and then your whole budget will not be thrown off.  Experts have said to have between three and six months reserves available, but that varies upon opinion.

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Tips for Saving Money with a Newborn

by Drew Allen on May 29, 2017

It is hard enough to work to pay the household bills as it is with just the mortgage, utility bills, food, gas, spending, but now with a newborn there is the daycare charge to think about, which is practically the same as a mortgage payment, not to mention the cost of raising a child, which we often hear seems to go up every year, which I think last, I heard was a couple hundred thousand over the course of baby to college, which is why it is important to save money anywhere you can.

Sign Up for Discounts on Formula

As I have learned in my limited time having a newborn it is not always as easy as getting plenty of breast milk, so sometimes formula needs to be used to supplement your ever-hungry baby.  If you pick up a box of formula for $7 or so it doesn’t seem bad if you are using every now and then, but if you need to use it as a primary source, then you will especially need to save.  If you look on https://www.enfamil.com/offers/baby-formula-coupons-samples and sign up, every little bit helps.

Check Out Target Weekly Promos

Many offers from Target show that if you spend a minimum on purchasing certain products, you can receive $5-10 gift cards, which may not seem like a lot, but it might be more reason to do all of your shopping at Target to earn rewards just for making the normal purchases that you would have made anyways.  The other day I was in the store for diapers and the promo was buy to select Pampers or Huggies and receive a $5 gift card, so it was nice to receive a few dollars back on something I was going to buy anyways.

Don’t Forget the Coupons

If you still receive the Sunday paper you are already familiar with clipping household coupons, but now you can look out for baby product coupons as well.  Stores like Kroger can digitally load coupons from their website onto the shopper’s reward card as well, provided you remember which coupons you added.  Also, you probably receive Bed Bath & Beyond coupons daily it seems, those are able to be used at Buy Buy Baby.  Also, if you sign up on Buy Buy Baby’s website you can now get those coupons almost daily as well, so all the more reason to never purchase anything at full price there.

Return Gifts for Essentials

Friends are family are very generous when it comes to a baby shower, making sure that items on your registry are purchased, but sometimes they can be a little too generous and purchase items that were not on your registry because they thought you would like, but since we all do not have the same taste, it might not be for us, or maybe it was a duplicate or non-essential item.  These could be returned to the store for credit to purchase something you really need, or even extra money to purchase diapers, that never seem to end.

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Ways to Save at the Grocery Store

May 11, 2017

Let’s face it, the grocery store can be an overwhelming place.  The parking lot is crowded, store is packed, and people are leaving their shopping cart in the middle of the aisle.  You don’t see too many people that are excited to do the grocery shopping, unless I guess if this is your only avenue […]

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Earn Credit Card Rewards Just For Making Your Usual Purchases

April 19, 2017

I used to be scared using a credit card for all purchases.  I was afraid that I would not be disciplined enough and would just keep charging and not paying off the full balance, but since I have switched from using cash/debit and rely solely on using credit, it has been worth the change and […]

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Deciding Whether or Not a Short-Term Loan is the Right Choice for Your Budget

April 14, 2017

Deciding whether or not to borrow money is always a choice you should not make hastily. First, you need to see if it’s really something that you have to spend money on now. If it’s something you want, it’s better to save up for it versus taking out a loan with interest attached. If on the […]

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Ways to Start Saving Today

April 1, 2017

I would venture to say that most of the world falls short of sticking to their budget every now and again. Most of us have issues separating our needs versus our wants, it’s simply human nature. The old adage that you must spend less than you earn and you will never go broke still holds […]

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5 Smart Ways to Reduce Debt Stress

March 30, 2017

Debt can eat away at your financial future and cause you to reach monstrous levels of stress and anxiety. You may have a mountain of debt that seems insurmountable, and you may feel challenged at the mere thought of taking action to eliminate it. These are signs that you may be feeling debt stress. Living […]

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