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Showing posts from December, 2018

Make a few adjustments at home and save a ton on your bills

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Image source: scottsdalerealestate.com How far would you need to go to save up on your bills? Apparently, not that far according to some financial experts. Small adjustments at home can help a person save hundreds, if not thousands, of dollars a year. Let’s take a look at some of these minor changes. First things first. If you have good internet connection, get rid of TV and magazine subscriptions. Almost everything a person needs can be found online. This eliminates the need for TV and print publications. While you’re at it, use the TV sparingly to save on electricity. Unplugging devices at night before you go to sleep may seem la small act, but it can have a huge impact on your yearly budget. Since devices can suck energy from socket even when they’re turned off, unplugging them can save you $8 to $10 a month. That’s easily over $100 a year. Image source: blackdiamondtoday.com As far as household fixtures go, doing away with ordinary faucets and replacin

Be careful with how you go about your budget

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Image source: thebalance.com The most common reason millions of Americans are knee-deep in debt is because of their tendency to overspend. A lot of people seem to know very little about the limitations of their budget. To address that, here’s a quick guide on how to keep yourself in check. Track your expenses Keep a ledger at home and be diligent enough to enter your expenses at the end of the day. It won’t take 10 minutes of your time. This way, you won’t be confused as to where your money goes, and you’ll have a better sense of how to adjust by cutting some things you don’t need. Focus on yourself Another common reason why people spend beyond their means is that they focus too much on what others have. Whether it’s family or friends, or even strangers, when people see others buying or doing things they’d want to do, they tend to spend unreasonably out of their budget. Focusing on their own savings and income will help them stay in line. Image source: theba