25 Ways To Save Money On A Day-To-Day Basis

  1. Carry a bottle of water with you when you go out, so you are less likely to buy an expensive drink.
  2. Try to avoid bulk buying food that is perishable, even if it is on sale. The most expensive food you buy is the food you throw out.
  3. Go vegetarian for a few days a week to save money on meal costs.
  4. Eat leftovers for lunch instead of buying more food.
  5. Switch to energy efficient light bulbs.
  6. Carry less money in your purse while you’re out and about – and try to leave your credit card at home if you aren’t planning on shopping.
  7. Throw a swap party with your friends. You can swap clothes, household items, vouchers – anything you can think of!
  8. Need something new? Consider buying a second hand version to save money.
  9. Don’t watch much TV? Consider getting rid of your TV license and replacing it with Netflix or Hulu.
  10. Only do full loads of laundry.
  11. Check your cell phone plan to see if you could move to a cheaper plan with less offers.
  12. Bike to your destination, instead of driving or getting the bus.
  13. Wash your car at home, instead of paying someone else to do it.
  14. Need to get a taxi? Make sure it’s an Uber as they are often more cost effective.
  15. Replace expensive cosmetic products with a drugstore brand.
  16. Work out at home or the park, instead of the gym to save money on membership fees. There are lots of Youtube tutorials to make sure you are still doing quality exercises.
  17. Stop collecting items, and start selling.
  18. Spend the night at home with your friends, instead of going out. You can still eat great food and drink delicious drinks!
  19. Repair old clothing instead of throwing it away and replacing it.
  20. Make four times as much stew or casserole when you are cooking. Freeze the extra so that you can have leftovers for lunch at work. This also means you have delicious meals ready at home, so you’re less likely to order take out.
  21. Stop using credit cards entirely.
  22. Do a price comparison for your local grocery stores to make sure you get the best deal.
  23. Cancel all of your membership cards that you don’t use.
  24. Wash your hands regularly. Being ill is expensive!
  25. De-clutter your home and sell the items that you don’t need.

GET MOTIVATED WITH 15 QUOTES ABOUT HARD WORK AND SUCCESS

Sometimes it can be tough to push yourself to achieve your goals. If you are having an off day and you need a dose of motivation, check out these 15 quotes about hard work and success.

Things work out best for those who make the best of how things work out. John Wooden

Entrepreneurs average 3.8 failures before final success. What sets the successful ones apart is their amazing persistence. Lisa M. Amos

I say luck is when an opportunity comes along and you’re prepared for it. Denzel Washington

A pessimist sees the difficulty in every opportunity; an optimist sees the opportunity in every difficulty. Winston Churchill

I’m a success today because I had a friend who believed in me and I didn’t have the heart to let him down. Abraham Lincoln

Sometimes things fall apart so that better things can fall together. Marilyn Monroe

Stop acting so small. You are the universe in ecstatic motion. Rumi

The best revenge is massive success. Frank Sinatra

All things are difficult before they are easy. Thomas Fuller

The successful warrior is the average man, with laser-like focus. Bruce Lee

Make the best use of what is in your power, and take the rest as it happens. Epictetus

The starting point of all achievement is desire. Napoleon Hill

I find that the harder I work, the more luck I seem to have. Thomas Jefferson

If you have no critics you’ll likely have no success. Malcolm X

Victory is always possible for the person who refuses to stop fighting. Napoleon Hill

12 MORE WAYS TO SHOW LOVE WITHOUT SPENDING MONEY

Many people say that if they won the lottery, they would take all of their loved ones abroad. People love to treat the people they care about, and nothing is better than a big holiday together!

But what if you haven’t won the lottery? Most people can’t afford to spend lots of money on their friends, but they still want to show them that they are loved and appreciated.

Here are 12 more easy ways to show love without spending money.

1. Invite them out with your other friends. Everyone loves to feel included!

2. Send them a funny video on YouTube that you know will make them crack up.

3. Compliment something many people don’t acknowledge, like their impressive work ethic or ability to always be fair and reasonable.

4. Send them a picture of you two together so you can reminisce on the awesome memories.

5. Notice and congratulate them whenever they work hard for something.

6. Be there for them when they are upset or angry. Listen to them talk, and offer advice when they are ready.

7. Make them a home-made card and write a meaningful note inside. It doesn’t matter if it doesn’t look amazing – it is the thought that counts, and it is likely that your friend will treasure it forever.

8. Ask them how they are every time you see them. Always take the time to listen to their answer, and look out for any signs that they may be having a tough day.

9. Ask how their big day went. Everyone has presentations, projects and deadlines, and some days are tougher than others. It always feels great to know that someone is silently supporting you when you having an eventful/hard day.

10. Bring their favorite snack whenever you meet up with them as a surprise.

11. Remember the little things that they tell you.

12. Tell them “I love you.”

Common Lies We Tell Ourselves About Money

20 MORE WAYS TO SAVE MONEY

Do you wish you had more money in your wallet? Saving is a daunting prospect, but it doesn’t have to be hard work. Check out 20 easy ways to save money below.

  1. Fix broken things yourself – if you are unsure how, there is probably a tutorial on YouTube.
  2. Consider looking for a place that is cheaper.
  3. Take the bus instead of a taxi.
  4. Buy staple items like toilet roll in bulk.
  5. Take a snack with you whenever you leave the house to curb buying expensive snacks while you are out.
  6. Learn about any company benefits that you are entitled to.
  7. Meet up with your friends at home, instead of a bar or coffee shop.
  8. Buy unbranded products – often they work just as well, but they are far cheaper.
  9. Use the library to your advantage. You can learn a language for free by teaching yourself in the library!
  10. Cut your own hair – this is mainly for people with simple haircuts who just need a trim.
  11. Carpool with other employees to save money on gas.
  12. Eat less meat by learning to cook some vegetarian and vegan meals.
  13. Cancel cable or satellite if you rarely watch it.
  14. Take short showers.
  15. Air-dry your dishes.
  16. Start a cheap hobby like reading or knitting.
  17. Use hair conditioner as shaving cream.
  18. Cut dishwasher tablets in half.
  19. Check the discount isle while doing your food shop.
  20. Grow your own herbs in your kitchen or your garden.

 

What do you think of these tips? Do you have any of your own? Let me know with a comment! 🙂

20 EASY WAYS TO SAVE MONEY

Most of us would like a little extra money, but saving can often seem like a dull and intimidating task. It doesn’t have to be that way – check out 20 easy ways to save money here.

 

  1. Wait 30 days before buying  yourself a new treat (like a new phone, or new shoes) and see if you still want it a month later.
  2. Make sure you eat a good breakfast. This means you will spend less on an expensive lunch.
  3. Delete your card numbers from your online account. Instead of freely and quickly buying anything you want, this means you have to find your card and type in the details each time – and you will be surprised by how often you change your mind.
  4. Swap babysitting with your neighbors – if you like each other!
  5. Stop collecting and start selling.
  6. Check out free events in town that you can do in your spare time instead of visiting an expensive bar or restaurant.
  7. Cook at home whenever you can.
  8. Create a weekly budget.
  9. Cancel any club memberships that you don’t use.
  10. Take lunch with you to work (and a thermos of coffee).
  11. Avoid shopping in huge malls that tempt you.
  12. Cancel unnecessary magazine subscriptions.
  13. Don’t do your food shopping while you are hungry, thirsty or upset.
  14. Don’t spend lots of money on entertaining your children or throwing parties for your friends.
  15. Buy second-hand whenever you can.
  16. Try to fix broken things yourself – there are lots of handy tutorials on Youtube!
  17. Avoid fast food and try to freeze leftovers so you always have something tasty to eat.
  18. Check the grocery stores in your area – are you shopping at the cheapest one?
  19. Try cheaper brands of products that you already use.
  20. Do your Christmas shopping right after Christmas.

 

What do you think of these suggestions? Do you have any of your own? Let me know with a comment!

4 UNEXPECTED WAYS YOU CAN SAVE MONEY

4 UNEXPECTED WAYS YOU CAN SAVE MONEY

Many people want to save a little extra money. It could be for Christmas, rent, a new car or a holiday. Saving may seem tough, but it is easy to save money every day by making a few small changes to your lifestyle.

Check out 4 unexpected ways you can save money without making huge changes to your lifestyle.

1. Carry a watch with you

Being a good time-keeper will save you money as it keeps you from being late, which results in people spending extra money on taxis and transport. A watch is better than your phone as the time is always visible, rather than being hidden away in your pocket. When you actually see time in front of you, you will become time-conscious and better at sticking to a schedule.

2. Always carry a bottle of water with you

Drinks from coffee shops and the mall are normally extremely overpriced, so carrying water around with you gives you a free alternative that is equally refreshing. This is also a great way to stop yourself falling into the habit of buying an overpriced drink every day.

3. Make your own lunch and snacks

Bread and sandwich fillings from the supermarket are reasonably priced. However, a pre-made sandwich from the same supermarket is likely to be overpriced and low in nutrition. Choose the cheap, healthy option by making your own snacks and lunch at home and taking out with you.

4. Start paying with cash instead of card

Many people pay on card because it is more continent than cash, but doing this can mean you actually end up spending more. Having real, physical money in your hand gives the money a sense of realness, whereas paying on card removes the feeling of loss. Try carrying $40 in your wallet with you as an alternative and see how much money you save!

Are you saving money? If you are, what are you saving up for? Let me know with a comment!

4 THINGS YOU SHOULD NEVER SAY TO YOUR BOSS

It is very useful for your boss to respect you as it means you’re more likely to move up in the company, and your ideas are more likely to be implemented. It also makes the workplace a less stressful and more enjoyable place to be. However there are actually a few phrases that you should avoid using around your boss – check them out here.

1. “I sent the work out last week, this isn’t my problem”

Passing blame onto co-workers or the boss is a real problem for some people. If your team are slacking and it is slowing you down, openly and calmly speak to your boss about the issue. If you need your boss to do something so work can be completed, remind them. It can be very frustrating to chase after others, but it is much better than silently seething about the issue while work is being affected.

2. “Oh that wasn’t a big deal”

If your boss compliments you, take the compliment! You have worked hard and you shouldn’t shrug it off. Accept the compliment – it shows self-confidence and acknowledges your hard work.

3. “This isn’t the way we used to do it”

Worrying about change and trying to stick to old methods rarely bodes well in the work environment. Most companies are looking to move forward in many ways, making technological and environmental advances. It is great if you have suggestions – this can show you are interested and invested in the company, but complaining without offering a solution will only come across in a negative light.

4. “I’m late because my yoga class ran over”

Yoga is great, but your boss probably won’t accept this as a reason to be late. Many people use half excuses which don’t really excuse them from their duties – instead, it shows their priorities. “I’m late today because my boiler exploded” is a totally valid reason, but “I’m late because the queue at the coffee shop was really long” probably isn’t.

What do you think of this list? Have you ever said something really bad to one of your bosses? Let me know in the comment section! I hope everyone is having a great day! 🙂

Common Lies We Tell Ourselves About Money

Common Lies We Tell Ourselves About Money

Do you think you are honest with yourself about your money? Most people believe that they are, but there are common lies that they tell themselves about money which can negatively affect their finances. These lies are often harmless, but being aware of them will help you be more realistic about money – check them out here.

Treating some money as more important than other money – this is where someone gives priority to one amount of money over another. For instance, they may be unwilling to pay off their student loans with their inheritance money. Ask yourself; do I value all of my money equally? Am I prioritizing well?

Placing priority on the present – in both the future and the present, ideally you will be financially well off. However, this can be difficult if you are financially biased towards the present. People who are financially biased prefer to be immediately rewarded, and they prioritize spending money now over saving for their future.

Overestimating your financial willpower – Most people think they have pretty good willpower when it comes to their money, but lots of people overestimate their abilities. If you are trying to save money, avoid shopping malls or restaurants – if you don’t test your self-control, you are less likely to fail.

What did you think of this list? I overestimate my financial willpower and it has resulted in unnecessary spending for me! But I could just have zero willpower. Who knows? Let me know if you have any other useful tips regarding money or finances!

Quick tips on finance

Would you like to save money without making big financial changes? Most people would love to have a little extra money at the end of the month, but they have outgoing expenses that they can’t change and they are not sure how to.

However, there are a few super-easy tips that you can follow to save money and gain more financial security – check them out here.

1. Compare online prices before you buy something – you may find the same item for less on a different website, and there are often cheaper alternatives on price comparison websites.

2. Sell the items you no longer use – many people have valuable items around their house that they no longer have any use for. Great ideas are old instruments, books, ornaments or furniture you no longer use.

3. Buy things that you need, rather than things society says you need – many people buy things they think they need but actually don’t. Do you really care about upgrading your phone? Do you regularly watch TV or do you prefer to use Netflix?

4. Do your food shop after writing your weekly budget – this means you will remain conscious of over-spending, and you will avoid expensive treats.

5. Prioritize paying off debt – expensive interest rates increase your debt if you put it off, so focus on clearing off your debts, starting with your high-interest debt.

What do you think of these tips? Do you have any simple financial tips that could be useful to others? Share your ideas with me!

We Debunk 5 Popular Myths About Working From Home

We Debunk 4 Common Myths About Working From Home

Do you work from home? If you do, you may have encountered these common myths about working from home. Here we debunk 4 of the most popular myths surrounding working from home.

The myth – There isn’t much money in working from home.

The truth – There are many legitimate websites offering jobs you can do from home, such as Odesk or Elance. The pay may not be great to start with, but if you work diligently and build up a portfolio, you can decide how much you want to charge. Being freelance means you can choose your own rates – but if they aren’t realistic, you may not get many clients.

The myth – It is difficult to stay focused while working from home.

The truth – It can always be difficult to focus on work, whether you work from home or in an office! If you have an office area you only use for work, getting dressed in the morning and sitting in your work space will often get the creative juices flowing. If you’re still struggle to focus, social media can be the devil – but most freelancers I know love their jobs too much to stay distracted for too long.

The myth – Most work from home jobs are scams.

The truth – There are thousands of scam jobs online – and thousands of legitimate jobs, too. Peopleperhour offers legitimate jobs, and you can find clients in your area who are willing to pay you real money for your work.

The myth – My clients won’t take me seriously if I work from home.

The truth – As long as the product you’re creating is good, your clients won’t care where you’re working from. It is very rare you will even discuss your working environment with clients – normally you will only discuss the work you are completing for them, just as you would in an office environment.

Do you work from home? What are the most common misconceptions about working from home that you have heard? Comment your suggestions below!