Category Archives: Budget

Helpful ways of saving money when you are living in a tight budget



When the economy takes a downside turn, everybody wants to save some money by tightening their purse strings on their spending habits. They seem to be reluctant in taking out cash unless it’s short term loans for an emergency situation. People are finding alternative methods of transportation, counting their pennies at the grocery store, and cooking better food at home so that they don’t have to spend money by going out for dining.

Saving money at the grocery store: You can save a lot of money on your monthly food bills at the grocery store and still eat well by cooking food at home. You can grow your own fruits and vegetables in your backyard and a garden can be a fun for your family. But if you don’t have the time, land, or patience for something like that, try these other tricks of the trade.

Go to a warehouse club with a friend or neighbor and shop in bulk. Stock up and split your purchases.

Plan ahead of time. Create your own menus for the entire week and cook it at home. You will feel this dinner like a night out and allows you to use what you’ve got.

Cut out the meet. It’s good for your health and fits well on your budget.

Savings without dumping the pump.




With gas prices rising higher, it is becoming difficult to drive a car. But for most of the people, car is a necessity. They use it for various purposes, like going to work, pick up the kids, run errands, and go on interviews. You can refinance on your auto payments and save at least $60 per month and get lower interest rates. The money you save by refinancing your auto loan can be used for anything from gas to groceries or create a savings account that allows you to earn some interests.

Home energy savings: If you are able to reduce your utility bills, it means you are able to reduce your utility use. Follow these tips and it will help you saving a lot of money.

  • Take a bite out of your electricity bill by installing a programmable thermostat. Don’t heat or cool an empty house, just program the thermostat to turn on a half hour before you’ll be home.
  • Install a saver switch on utilities such as air conditioning. The switch will cycle the air off and on in short intervals and many people do not notice the difference.
  • Turn off the radio, television and lights when no one is in the room.
  • You can save some money in your water bills also by not wasting water in long showers. Instead, use it for laundry purposes. Even five minutes of time each day can make a lot of difference in the whole month.

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How to Manage Your Budget



One of the best ways to save money each month is to create yourself a budget. Some people find that managing a budget can be tricky, but this needn’t be the case. Here are a few tips for successful budgeting…

First you will want to work out where is it that you tend to spend your money when you are not budgeting. Keep receipts and take a careful look at bank statements – you might discover that you are spending more on certain things than you imagined. This can help you to identify the areas in which you most need to cut back, and where you might be able to make significant savings.

Once you have done this, you might find it useful to allocate a particular use for the savings which you make. If you are saving without a purpose, you may find it more difficult to be disciplined with your budgeting, and you may not earn the best rates on the money which you do save. Some people may find it more beneficial to speak to a company such as AMP about the possibility of investing. You may even choose to set up an arrangement whereby a certain amount of money is paid into a particular savings account each month. Without the extra cash in your instant access account, you may be less tempted to spend it.

Lastly, you should make sure that your whole household are aware of your budgeting goals, and encourage them to cut back too. If you have a communal goal, such as saving for a family holiday or a new home, then you may find this easier to achieve. Remember to allocate a certain amount of your budget to leisure activities and other treats, and use this to reward yourself for sticking to your budget plan.