I love click sites like Swagbucks.com or Zoombucks.com . I like to watch my credits increase. I like saving myself money as I redeem my points for gift cards. I like knowing that I have given my family a little breathing room by participating in these sites. Here are a few ways I use click sites.
Most points sites have a reward system and many of the rewards are gift cards. This is a great way to save money. You can give a gift card as a gift or you can save it for yourself. You can even get Paypal gift cards with some point sites and use it as a little extra un-budgeted money. By earning these little rewards you can save yourself a little in your everyday budget or spending.
Earn Points While Shopping
While shopping use a points site to get points or money back for every dollar you spend. Even if you’re only spending ten dollars, it’s worth the effort to get those points or cash back on your purchase. It’s a good way to save money online even when you can’t find a sale, coupon, or discount to make the cost of your purchase lower.
Many sites have coupons that you can clip and print out, but on points for click sites you get points for doing so. That can add more to the amount that you are saving.
Sometimes points sites can be buggy. Other times they are a gateway for spam and advertisements. Be sure to scan your computer for virus, spyware, or malware often if you use these sites. Clear your cookies often. Also be aware that any trial that you sign up for most likely has an ending that you will only be notified of while signing up. Keep track of these to cancel before ending up with a bill.
For wine lovers everywhere, Club W takes the hassle, the guesswork, and the pretentiousness out of the equation so all you have to focus on is enjoying a great bottle of wine.
It all starts with a Palate Profile Quiz, 6 simple questions about the flavors you like. Based on your tastes, Club W will recommend wines for your Monthly Experience. Then, it’s up to you. Like the recommendations? Cool! Feeling like all reds this month? Switch it up and pick your own! Club W is the only wine club where you’re in control. And it’s all delivered directly to your door starting at 3 bottles for $39 a month. Once you receive your wines, you can rate the wines so that your deliveries evolve as your taste evolves. This extra step is exclusively designed for you. Let Club W do the work while you enjoy a glass of wine.
Fruit is one of the highest priced items on our grocery list. While fruit in a can is less expensive my little guys prefer fresh fruit. I prefer fresh fruit as well. I don’t have to check to see what liquid it has been packed in. Most of the time it saves me on dishes to serve my child a whole fruit. So there are a few rules we follow when buying fruit.
Buy In Season Often a fruit is less expensive when it is bought in season. It’s even less expensive if it’s something grown in the area which you live in. Stores don’t need to pay to have the fruit in question imported and then pass that price on to you. Nor do you have to pay for the fruit in question being in high demand with a limited supply. It also means that your produce will be very fresh.
Pick Your Own In many areas there are farms that allow people to come and pick their own berries or harvest their trees for a price. It’s usually a much lower price than you would find at a grocery store. The fruit then can be canned, bottled, frozen, juiced, or just eaten raw. In the long run going to pick your own produce can save you money in a variety of ways when you also have the skills to preserve food.
Grow Your Own When you choose to grow your own fruit be sure you choose the right type of fruit. Some plants you can plant, water, and forget until the next day. Others require more time and effort. Some berry bushes won’t even produce fruit unless you have two. Do your research! Still after you have set up a little fruit garden, you can grow a decent amount of fruit and save some money when it comes to your groceries.
#1 – Fewer crowds. Since most people vacation during the summer, your favorite destination is less likely to be crowded in the fall.
#2 – Find warm weather. In the summer it’s warm everywhere, but as cold weather creeps into your town this is a perfect opportunity to find the warmth and fun of summer elsewhere and get a break from the cold.
#3 – Better deals! Ever heard of off-peak pricing? This is a great time of year to plan a vacation simply because it will cost less!
Here’s a hot travel deal: $150 Travel Credit – Receive Personalized Service and No Booking Fees With Sears Vacations!
Financial planning can be important for a number of reasons. It can give us peace of mind, help us plan for our future, and lets us know when we need to add to our plan. Most of all, it’s a blueprint of where you are financially and where you are going.
Having a plan when it comes to your finances can help fight off the anxiety you may feel about your financial future. If you feel uncertain, tense, or all around frustrated about your money, you need a financial plan. It gives you a sense of control over your money and financial situation. It helps you feel secure in your living condition. In short, chances are if you are feeling stress over money, a plan will help ease your mind.
Sometimes a bill will show up, that you have forgotten about. Sometimes you have an extra expense you know about like a birthday party or gift. One way or another you will need to know when you need extra money. It could mean that you cut back on other items or that you work extra hours. The important issue is knowing when it’s necessary to have that surplus of cash available to you.
Let’s face it. You may make enough money to make ends meet, but it doesn’t show up in your account quite when you would like it to. Mapping out your monthly bills and your paychecks will show you when you have the money to pay certain bills. Sometimes you will need to pay bills early or save the money for when the bill is due. Other times you may have the money right on time. Either way you need to know when you can count on that money being there for the the things you need.
Do you know where your money goes? I would assume that since you are a frequenter of this site the answer is a resounding yes. You do your budgeting and track your money. You look for ways to save money and even make more when you need to. However, most of us don’t know how much of our money should go to various expenses. I learned from this free course ( https://class.coursera.org/uffinancialplanning-001 ) where my money should be going.
The 10% Club
There are a five different categories in our spending that shouldn’t be more than one tenth of our income. Our first tenth should be put into savings. Second, we should put a tenth aside in case of emergency. The third tenth should be used for recreation or education. The next tenth is used on gifts and contributions. This includes tithes, charity, and birthday gifts (If you’re a believer in a full 10% tithe, you’ll need to put birthday and Christmas gifts in another category). The last tenth is to cover our various insurances.
Surprisingly to me medical was in this category. This isn’t a part of insurance. This is what may be needed for a co-pay or to pay for a prescription. Medical expenses shouldn’t take more that .07 of your income. Next is personal items such as hygiene products or getting your nails done. These items can be expensive, but try to keep their cost under five percent. Another category that falls under five percent of your income is clothing. Luckily for us, thrifty divas know how to find a good deal on clothes.
The one thing that should take up a third to half of our expenses is our home. This includes mortgage, upkeep, and repair. Following this is our car which we should invest about seventeen percent into. This covers our fuel, repair, and upkeep. If you do not own a car this is how much you should be limiting yourself to in the cost of public transportation. Last, but definitely not least, is our food budget, which should be about one fifteenth of our income.
We all can use a little help sometime in our life. Unfortunately, not many of us accept or ask for that help when we need it, but we should.
Why Saying Yes to Help Saves Money
First of all, help often comes only with the price of asking for it or saying yes to it. Second, it is often given as a service. It may be that someone is willing to watch your children. Another person may be willing to fix your car. These are two very expensive services that another person is willing to do for you that otherwise would have cost you hundreds of dollars. In some cases, it may be that they actually give a gift of currency. This may be a small amount to them, but mean gas in your car or groceries for a week to you.
Some people reading this may be against help because they feel that all things must come with a price, and I am inclined to agree. That doesn’t mean that you can’t set the price or that the price must be monetary. Offer to cook them a meal or buy the parts needed for the car if they will do the labor. Or you can respond in kind. They will watch your children this week if you will watch their children next week. In this way you are both now contributing to each others well being or at the very least sharing in some of the cost. In the long run it may save both of you money.
Perhaps the help you are seeking is not from a person. Instead it is from an organization such as the government or a church. Keep records of the help received. Also keep good records of your financial situation for those giving assistance to review. Always be trying to prepare for a time when you will not have assistance. This will show that you value their effort and that you understand that you are receiving help, but not entitled to it.
All of us want a nice smelling place to live. It doesn’t take over priced products to get a nose friendly home either.
What You Use
What you use to get rid of a scent or odor is actually very important. For example, if you are picking a spray to get rid of an odor in your trash can, you are going to want to get something that is anti bacterial. It’s actually the bacteria in the trash can that causes the scent. Getting a scented spray that isn’t antibacterial is just covering up the odor. Also antibacterial sprays (especially generics and store brands) are very budget friendly. They even have started coming out in scents of their own such as citrus or fresh linen.
If you are more of an earth friendly diva, then stick with tried and true baking soda. Mixed with a little lemon or water it can be used as a spray or a cleaner. It’s also great for getting odors out of the carpet.
One of my favorite ways to replace a pungent scent with a good one is to use a wax product. I like jar candles or oil burners/wax melts. These items come in a large variety of scents, sizes, and prices. Just make sure all the members of your family can enjoy the scent. Floral scents have been known to trigger allergies. Other scents may remind you of a public bathroom cleaner. Find a few good scents the whole family enjoys and stick with those.
One of the best ways to keep a scent free home is with air circulation. Use fans to move air about or open a window for a little while. Hand in hand with good air circulation, you need good filters. A dirty air filter will toss scents, dirt, and allergens back into your home. Change the air filter according to what is recommended on the packaging.