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FRUGAL LIVING TIPS: SAVING MONEY AND AVOIDING DEBT

Posted on August 28, 2012 by money

Guest post by Stewart Bradley

Following the recent economic downturn which began in 2008, more and more people
have been realizing the importance of saving money. With prices rising on basic
items such as gas, fuel, electricity,groceries and other essential items, people
are finding it difficult to make ends meet. During times of financial trouble,
it is essential for people to know the techniques of saving money.

In case you’re jobless or have accrued an insurmountable amount of debt, you
need to find out the areas to trim down your expenses and redirect that cash
saved towards fundamental requirements (food, clothing, housing) or debt
repayments.With some assessment of your budget and some wise steps, it’s
possible for you to restore your financial situation to good health and learn
some important lessons in how to save cash for your future needs.

During trying economic times, it’s truly essential to lead a frugal lifestyle.
This is not just something that you can do occasionally; rather, it’s a complete
transformation in your way of life. While people look at different debt relief
options, they often ignore the importance of living a frugal life.

Keep a coin purse       

If you want to live happy on a strict budget, start carrying a coin bag. Many
people get irritated while searching their pockets for change; they simply pay
with big notes and end up getting more loose change than they require. Keep this
change in a coin purse. If you still have problems paying with exact change,
simply put the coins in a coin purse and pour it into a container when you reach
home. Once the jar is filled, carry it to a coin counter at your nearest store
or bank branch and swap it for cash.

Opt for a healthier lifestyle                                                 

Your health plays an important role in determining the amount of money you
spend. One of the best tips to follow is to get back in shape. People who smoke,
drink, or have poor eating habits, tend to splurge more cash than an individual
leading a healthy lifestyle. Ironincally, low-quality processed foods and TV
dinners are often more expensive than buying fresh food. When you’re in shape,
you tend to eat a smaller amount of food. Once you stop drinking and smoking,
you’ll be able to save a lot of cash on cigarettes and alcohol. Go for a walk or
jog on a daily basis; these activities will not only make you healthier, but
also save a substantial amount of cash on doctors and medicines. Trading
expensive car journeys for travel by bike is a great way to save money, get fit
and reduce carbon emissions.

image: dno1967b

Prepare simple meals

One single step that will lead to substantial savings every month is to cook
your own food. Instead of eating expensive restaurant or take-out dishes, cook
for yourself. You can also save by buying fresh vegetables, rather than
processed meals or pre-prepared foods (e.g. potatoes that have already been
peeled). Go for the foods which are nutritious and tasty.. If you’re a novice
chef, don’t be put off;, collect different recipes from your friends and
relatives or see what you can find with a simple online search. If you follow
the instructions you can’t go wrong. Like with many other things, the more you
cook the better you’ll get at it and the confidence you’ll gain will encourage
you to attempt more exotic dishes

As the saying goes, prevention is better than cure. Instead of leading a
careless lifestyle and getting into debt problems, it’s better to follow these
frugal living tips and avoid debt. Visit the debt consolidation program for more
info about solving your debt problems.

 

Stewart Bradley is a contributory writer associated with the Debt Consolidation
Care Community and has written several articles for various financial websites.
Though he holds his expertise in the Debt industry and has made significant
contribution through his various articles, he has interest in money management,
short term loans, bankruptcy, credit advice and more.

Posted in Money Management | Tagged frugal living, money saving tips, saving
money


MONEY EXCHANGE RATE

Posted on April 2, 2012 by money

Money Exchange rate or currency exchange rate is a financial term; it refers to
a rate at which one currency is exchanged for another. If, for example, you have
traveled to Great Britain from United States, you had exchanged your dollars
from U.S currency to British Pounds. One nation’s currency isn’t accepted into
another nation, you must exchange your currency in the respective currency of
the nation where you are thinking of spending it or using it. You can’t buy
bread with U.S dollars in UK, because you need to have pounds for buying stuff
from the country. And this is very logical for a currency to be in action when
you travel out of country.

Who Determine Exchange Rates?

The exchange rates are determined by the foreign exchange market, which operate
24 hours a day on business days. The market also has sellers and buyers engaged
in the trading of foreign currency (Forex) around business days, and the rate
may have slight fluctuation according to the trading trends besides change in
economy, inflation, economical uncertainty and recession. There are several
factors involved in the change of currency level and the major factor is a
change in the worth of gold or silver globally. In 1930, a fixed dollar exchange
rate was decided at an unchanging level when one ounce of gold was worth around
35 dollars. Today, the worth of one ounce gold has reached to 70 dollars because
of inflation, instability, and bad economics around the world.



image: stock.xchng

To exchange your currency from one form to another, you have to visit local
retail exchange market of the particular country. For instance, you have
traveled to Japan from Bahrain, now you need to meet a money dealer who will
have his own quotations with respect to exchange of the currency you are
holding. The dealer also has his margin (profit) from the currency trades so you
should have to agree with the rate at which he is selling or buying the
currency. Money dealers either include their profit in the quotes or recover it
as a commission directly from the customer. So you need to check it before you
pay commission to your money changer.

Most of the people interested in traveling need to pass through the process of
currency exchange where they have to check the exchange rate for specific
currency they are going to buy in exchange of currency they are having at that
moment. Business needs also make us exchange currencies and almost 5% of forex
trading is done in this connection where people buy another currency in exchange
of their local currency to allocate it for some business need. Rest of 95%
business in forex is done on the basis of speculations and in an expectation to
earn profit due to the fluctuating exchange rates which creates room for
investments for small traders and also for mega investing companies. If you are
also intending to exchange currency either for traveling or for business needs
you must have an understanding of exchange rates first.

Posted in Uncategorized | Tagged financial terms, foreign currency, forex
market, money exchange rate


TOP MONEY MAKING CAREERS

Posted on March 31, 2012 by money

As the New Year 2012 has approached, creative minds are hunting on unique money
making ideas to establish a successful business online. The ideas are even
working for those who have little or absolutely no experience in the field of
home business; to put it bluntly, you can earn even if you aren’t familiar with
“ABC” of online business, and strategies that can truly make you a rich online
entrepreneur. Online marketing gurus perhaps attract you saying that you have
potential to earn six figure income online but it is when you know what to do
and how to do. The simple key to success is basically discovering the best money
making method, and implementing it with efforts, hard work, and devotion. You
can’t be riches in months if you wish to have everything done on autopilot; make
efforts to get results, you will either swim in the sea or drawn as luck would
have it.



 

 

 

 

image: stock.xchng

Here are some superb money making ideas for 2012 that help you get started with
your career in online business empire:

 Start Your Own Blog or Website

The best way to build your online presence is to make a website or blog to offer
your services or products. For instance, you are interested to sell products
then you can turn your site into an online store with the items of your choice
while if you want to earn money by employing your skills then you can offer your
services to vast online audience. Thousands of people around the world are
making money through their own site by turning it into a fully functional online
business.

Selling Coupons on eBay:

You can sell anything on eBay, the famous auction website, built in 1998 with
only few sellers and buyers’ account. Now, it has been globally famous for being
a state-of-art auction website where people grabbled up for one thing- get good
deals on the discount. You too can make fortune selling productive products on
eBay, and for you should try picking discount coupons to start with. Coupons
could be anything: shopping coupons, discount coupons, and coupons insert. You
can collect them from your friends and relatives and sell them for profit on
eBay. Don’t ever sell coupons that are expired or for recalled products. You
don’t have to be very experienced in selling and promoting online products; just
make an account, verify your account, and start selling.



image: stock.xchng

Getting Paid for Taking Online Surveys:

Online surveys pay a huge commission to their members giving them surveys to
fill-up on from time to time. You can sign-up with the free survey websites, and
be active on their portal to be able to receive latest surveys that need to be
done as a part of a market research. Oftentimes, a product is delivered to your
home door that has to be tried once or used before filling-up the survey. The
company conducts these types of survey to know what their customers want and how
they can improve their services. You, as a survey taker, provide that company
all information and feedbacks they need to improve their products and services.
You can earn real cash taking survey by spending only 20 minutes or less online
everyday.

Buying and Selling Domains:

Buying and selling domains industry is active throughout the year, twenty four
hours a day, and seven days a week. All you have to do is buy bulk domains from
the open market place on discount, and sell them for profits. If you have money
to invest, you can consider buying premium domains, and selling them for huge
profits on websites like Flippa.com.

So if you can setup and manage your own site as your money making career then go
for the first method and do it but if you are interested to promote your site
and want to avoid the hassles of hosting and SEO then you can choose one of
three methods discussed afterwards. Whatever way you will choose will be your
first step towards your money making career but keep in mind that the key for
success is hard work, patience and dedication to make it a real success.

Posted in Make Money at Home | Tagged domain selling, ebay, home based business
ideas, make money online, making money blogging, online surveys


BEST WAYS TO MAKE MONEY ONLINE

Posted on March 28, 2012 by money

The Internet is serving each and every person very smartly putting a horde of
money making ideas at our disposal and offering us a chance to select one that
can help us get started. Upon writing a single term “Make Money Online” in the
search engines, billions of search results are generated proving that it is
really easy to make easy cash online and support your family and in some cases
even close relatives. Although the online websites are presenting tremendous
home based business ideas, somehow few ideas are always comfortable to start
your work on. Below are discussed the best ways to make money online out of
which you can choose one that fits your skills.

Affiliate Marketing:

Have you ever seen live screenshots of affiliates? If not yet, you should have a
look at their online income statistics showing the potential lies within the
field of affiliate marketing. You could earn easy money by simply promoting
third party’s product to the worldwide market or a specific niche market. Most
famous affiliate networks of 2012 are Clickbank, Amazon, Commission Junction,
and Ebay. It takes less than three minutes to sign-up with an affiliate network;
just after you enter in your details, a confirmation email is sent to your inbox
which you need to verify yourself as an authentic seller. Once you are done with
the verification process, you can select the products from the list and start
marketing them either on a website or blog. Even some people are making sales
without having any online blog just using social networks. Before you begin your
career as an affiliate marketer, keep in mind that this field requires unique,
accurate, and practical marketing strategies to procure positive or targeted
results. You can earn big deal of commission if you choose a hot product to sell
online. Make a plan wisely and work on it to earn smart cash online.

Content Writing:

If you can write well, you can write articles, blogs, reviews, essays or even
e-books on the topic of your choice. Content acts as a fuel to rum online world
so people having ability to produce unique and quality content can never have
any problem in money making online. You can either join such websites that pay
for writing articles like Helium, Bukisa, Squidoo, Hub Pages etc. or you can
join freelancing platforms where you can get great writing projects according to
your interest and abilities.

Virtual Assistance:

Do you really love multitasking and wish to earn money with less amount of
struggle? You can offer your services as a virtual assistant, and must be able
to deal with administrative and secretarial tasks online. You have to have a
professional indulgence to be able to work as a virtual assistant, and for you
should know how to write business letters, plans, and proposals since your work
demands you to be good at communication and writing.

Telemarketing:

It is one of the most lucrative ways to make money online. For you should be
well-acknowledged with the aspect of telephone marketing. Make several mock-up
calls to improve on your accent and communication skills, and use a friendly
tone when talking to your buyer real-time. You are provided with an online VOIP
facility with a virtual phone device which you can use to make calls to either
landline or mobile phone number for the promotion of particular product; it
could be teeth whitening gel, cellular upgrades, or household items depending on
the project. For a better lead generation, you must be capable of persuading
your customers over an actual conversation. The more punchy words you use the
greater sale-leads of the day will.

 

So think over the best ways to make money online discussed above and analyze
your skills and learning potential in order to choose the way you can follow in
long run for turning your dream of success into reality.

Posted in Make Money at Home | Tagged affiliate marketing, content marketing,
ebay, home based business ideas, make money online


MONEY SAVING TIPS

Posted on March 24, 2012 by money

Saving money is not an art or science. It is a procedure that makes you
understand that how to manage your money. It demands dedication and long term
effort investment. Money saving can take time to be developed however if it is
practiced with regularity, it can bring benefits too that will sustain for the
rest of your life. To save money is under your control and it can carry you
enormous benefits.


image: SeniorLiving.Org

Whether you are intending to save few dollars or pounds on shopping, traveling
or on anything else you must start it right now with proper planning. There are
many tips and ideas to help you save money easily and frequently. Spending less
is essential if you really want to save money.

 * Try not to waste money and make purchases only if they are necessary.
 * Establish a personalized budget. You will straightaway see your income and
   expenses once you make your budget. If you don’t have an idea about the total
   income coming in and the amount going out to cater daily requirements you
   might not be able to save few dollars for you. Once you have created the
   budget of your income and expenses you will identify the key areas where
   there is a possibility to save some money easily.
 * Make a record of your expenditures. Whatever you save depends upon the amount
   you earn and the amount you spend. It is suggested that you should have a
   control on the amount that you spend in order to save money. You should
   critically analyze your expenses and list them down in order to keep a record
   of your expenses and the savings you have made.



image: mueritz‘s flickr
 * Get rid of the credit card, make all purchases on cash and exclude the use of
   credit card out of your life.
 * Savings should be your main concern. Deposit your saving amount into your
   bank account as soon as you get paid. The easiest and simplest way to save
   some amount out of your salary is to deposit a fixed percentage of your
   salary into your savings account every month. This works quite well and calls
   for a diminutive thought.
 * If you can afford to share the things you have, from food items to living
   utilizations, attempt to do so as well. What goes around comes around when it
   is flanked by close friends, before long, you will see your friends doing the
   same way, and everyone gets benefited.



Image: RambergMediaImages on Flickr
 * If you get some unexpected money, try to place all or maximum of it into your
   savings, then again, continue to set your regularly scheduled amount on the
   side as well. You will attain your saving’s goal very soon. Do not get
   discouraged or depressed because good things often take long time and the
   more you save the more benefits you can get. Just keep on investing time and
   effort in right direction and eventually you will get you actually desire
   for.

Posted in Money Management | Tagged budget management, money saving tips, saving
money


WAYS TO MAKE MONEY FROM HOME

Posted on March 23, 2012 by money

You can find a lot of different ways to make money at home but there is no short
cut available to reach your desired income level. It demands long term effort
and time investment. It is true that there are a number of online jobs which
seem easier as compared to others and can help you in online money-making more
rapidly.

However, if you are interested to enjoy long term healthy income every month
then you need to put extra effort into it. If you desire to job from home, you
require having a true attitude. And if you are ready to put some effort into it,
there are numerous ways that you can work from home.


image: jholster on flickr


MAKE MONEY ONLINE SURVEYS

One of the best ways to make money from home is to do online surveys. Online
surveys are considered the best way to make money from home today. Manufacturing
companies and small scale business take interest in getting feedback of public
about their product and services and that is why they pay everyone who completes
a survey conducted about their performance and quality.


ONLINE WRITING

Review writing is a great way to make money at home nowadays. For this purpose
you can either set up your own review site or can find out such sites which
allow review writing for free. Bloggers and online business owners take interest
in publishing reviews about their products and services and pay for published
reviews. It helps them to attract more audience to their site to convert them
into permanent customers and also makes you able to make money with the ease of
your home. Suppose you are not getting bloggers ready to pay you for review
writing you can opt for affiliate products where every one gets paid for
bringing customers to these sites. You just need to get registered with
affiliate sites and put their affiliate link in the review you will post on your
site about the product. If someone really buys that product through your
referral link you will surely get the commission fixed for that product.



image: otubo on flickr


MAKE MONEY ON EBAY

Another way to make money from home is to sell things on eBay. It could be hard
to believe but it’s true that lots of people today are unaware of the method
they have to follow to sell their products on eBay. So here you get an
opportunity to make money online by offering your services in this regard.
Initially you can start with couple of products but in long rum you can develop
this small money making opportunity into a stable online business where you can
buy things at wholesale rate and sell them on eBay at retail price. It’s just
like a sale-purchase business where you can make big cash without investing into
the actual setup usually required in these types of businesses.


BLOGGING FOR A LIVING

Blogging has now become a popular way to make money at home. You can create your
own functional blog within few minutes. There are a lot of free blogging
platforms including blogger and wordpress from where you can take a start. After
learning the rules for blogging you can go for paid domain and hosting as well
but initially it is better to practice with free ones. You can start a blog
about everything you think you are good at. It does not matter how strange it
looks like. You can attract audience easily if you are having quality and unique
content on any niche of your choice. You can convert your blog into a money
making resource by displaying google ads, by selling products, by writing
reviews and even by promoting other skills and services.

But here you need to remember one thing in mind that making money with blogs
demands dedicated effort and patience to reach at a point where you can really
start earning healthy monthly income from it. In order to rank high and attract
more people to earn money, bloggers require value links or URLs ending back to
their blog by other’s blogs, in excess of everything else. You can perform that
for them by remarking on other’s blog and accusing a little amount for every
connection back.

Posted in Make Money at Home | Tagged ebay, make money at home, make money
blogging, make money online, online surveys
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