Posts Tagged ‘money advice’

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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Life’s Toughest Questions and Their Answers

May 26th, 2010 Manny

What are your questions in life? Do you have the answers? Maybe one of the following questions had crossed your mind and you are lucky to know its answer.

Question 1: Is love will last forever?
Answer: Yes, but it is all up to you and your partner. Romantic love involves chemical changes in the brain that last 12 to 18 months and after that, lovers are on their own. Relationships require maintenance.

Question 2: Can a guy and a girl just be friends?
Answer: Maybe for a short time unless they find each other at least vaguely repulsive.

Question 3: Why do married couples begin to look like one another?
Answer: Two people who like each other will have lots of resemblance. The girl smiles and so does the guy, one nods or raise her eyebrows and so does the other. This is because faces are like melodies with a natural urge to stay in sync. (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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28 Tasty Tips to Save on Food

April 28th, 2010 Manny

Originally Posted by Stacy on Yahoo! Finance

According the Bureau of Labor Statistics, in 2008 the average American family spent $6,443 on food. To put that number in perspective, that “average” family consists of 2.5 people (not a nice mental image) with an income of $63,563. So from these numbers we can surmise that our average family spends about 10% of their income on food.

Depending on who you choose to believe, the average American family also carries a $5,000 balance on credit cards. If they’re paying 15% interest, that’s more than $750/yr.

Conclusion? We could materially impact two expenses simultaneously if we could convince the average American family to eat their credit cards.

But if that doesn’t sound like an appetizing solution, here’s another thought: If we can use some simple tips to shave 10% off the typical annual food bill, we can use the extra $50 a month we free up to help pay those credit card balances faster. With that in mind, here’s my attempt to fill your basket with more than 20 useful tips to slice and dice your grocery bill.

We’ll start with seven tips from this recent TV news story. It’s only 90 seconds long: check it out, then meet me on the other side for more. (more…)

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Credit Card Mistakes

April 19th, 2010 Manny

Don’t beat yourself up when you’re having trouble getting your credit card balances under control because you’re not alone. All you need to do is to change your spending habits and learn to manage your debts.

Below are simple tips that you can use that will stop adding to your existing credit card debt and start taking control of your personal finances.

  • Don’t ignore your credit card debts. People become so stressed out or embarrassed by their debt that they stop opening their bills and pretend that the problem isn’t there. This won’t help you. The longer you ignore your bills, the faster the interest rate – that causes your balance – to grow each day. Also, you’ll be penalized by not paying your bills on time.

What you need to do is to renegotiate the terms of your agreement. Sometimes you can get your interest rate lowered or set up a payment plan that allows you to pay your debt. Don’t ignore these debts if you do not want to put yourself on debt collectors’ radar. (more…)

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How To Boost Your Salary

April 19th, 2010 Manny

No matter how hard you work still you receive a small paycheck? Instead of working hard try to work smarter. This way you could super-size your paycheck, you can get more respect at work and will develop a career that suits you.

Take the following simple steps from career training to communication tips that will help boost your salary.

  • Diversify your skills to offer more value to the team. Combining your clerical work with your medical assistant training is advantageous.
  • Make way into a management position. A degree in business administration like MBA will equip you to operate confidently at a management level. Then combine your work experience in education and rise above your competition. Use the education and training to make the move to a position that is more in line with your ambition and ability. (more…)
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Supermarkets Can Trick You Into Spending More

March 13th, 2010 Manny

supermarketSupermarkets have their sneaky ways to make their customers to spend more rather than to save more. If you want to outsmart this kind of system, just follow the following tips.

  1. Entrance area: It is referred as the “chill zone”. This area is designed for impulse buyers where they put products that might appeal to you. Don’t get trapped! Think of them as filler items that are not included on your list. (more…)
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