Posts Tagged ‘budgeting’

Slimming Your Grocery Bill

June 9th, 2010 Manny

Eating is an expensive habit and food consumes a significant portion of your budget. To help us get a grip on this tasty but often expensive cost-of-living, here are the ways on how to make your grocery bill slimmer.

  • Make a list and check it twice. Planning ahead can prevent impulse buying. You might also save on gas by being organized because you won’t need to make a second shopping trip to buy those forgotten items.
  • Stop clipping worthless coupons. Many coupons offer deals on highly packaged foods low in nutrition and high in unknown ingredients. It will be better for your health if you skip these worthless coupons and opting to pay a little bit more for whole foods. So, check the grocery coupons first before getting excited. (more…)
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Reasons Why You Overspend

June 2nd, 2010 Manny

Buying using the plastic money, in bulk or even music can lead to overshopping. It happens all the time when you go to supermarket for a gallon of milk and you come home with 4 bags of groceries. Sometimes you plan to order a single book from Amazon.com and end up with a $78 bill at checkout.

The good thing here is that you’re not alone. So, what are the reasons why you overspend? Find out below:

  • Falling for clever pricing tactics. Marketers have a clever approach to making shoppers think they’re getting a good deal. For example, “There are places where there’s a $150 hamburger,” he writes. “The first thing everyone does is shake their head. But then you go down the menu, suddenly the $50 steak doesn’t seem so outrageous.” The bottom line here is that you’ve overspent while thinking you’re getting a bargain. (more…)
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Clever Shopping Moves That Will Save You More

May 28th, 2010 Manny

With the rising costs of grocery items, you want to save a few bucks. With DIY recipes, you can now easily slash your bill. Most manufacturers would like to make you think you are getting a good deal in exchange for convenience. But the truth is, they just eating away your food budget.

This is the right time to be clever and cross the following items off your list for good:

  • Energy or protein bars: These have a very high fat and sugar contents, and calories, not to mention that they 2 to 3 times more expensive than a regular candy bar. You can try the vitamin-rich piece of fruit, a yogurt or a handful of nuts instead buying those expensive bars. (more…)
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Things To Avoid When Planning Your Budget

May 14th, 2010 Manny

When it comes to proper money management, learning to budget your money and maintaining an ongoing budget planner are important. However, there’s no one right way to budget your money. You can jot your income and expenses down on paper, you can keep a sophisticated budget spreadsheet or use a free, online budget planner.

Whichever you choose, be sure to avoid these budget planning mistakes.

  • Don’t have a budget planner at all. How will you able to know the state of your finances if you don’t have a budget planner or never write your income and expenses down? You have no way to know if you’re spending more than you’re making. If you don’t manage your money well, it will manage you by having debts, interest charges, bad credit and the like. (more…)
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How to Live Well with Less

March 10th, 2010 Manny

spend-moneyDo you know that you can live a rich life without being rich? Yes you can! You just have to be creative enough so you can still have the life that you wanted with less money. How?

Here are some ideas:

1. Do the swapping. Look for friends with similar styles as yours and organize a group. Each member should bring their rarely or unworn clothes and you will be walking away with some new styles. Make the most of the clothes you have by mixing and matching them. (more…)

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