Archive | Budget Tips

HOW TO SPEND LESS ON GASOLINE

Are High gasoline prices proving to be a huge load on your wallet? There is a lot you can do to spend less on gasoline. You don’t need to cancel your cross country road trip. Just keep a few things in you mind and you are good to go.
1. The best solution is to forget about your car and go for carpooling, bicycling, mass transit or walking. This is healthier both for you and the planet.
2. Avoid speeding and keep your cool while driving. Sudden braking, revving the halted engine and swerving wastes fuel. Using cruise control on highways can help a lot.
3. Make sure you don’t leave your AC on absentmindedly while the windows are open. This literally drains your fuel. Avoid turning on AC in stop and go traffic but using AC when you are driving above 55mph for a long time would be a good idea. Opening windows for fresh air in this case can cause increased air resistance and less fuel efficiency.
4. Keep your car tuned up and its tires pumped up. This would increase your fuel efficiency. Don’t forget an oil change every three months.
5. Avoid over loading your car. Heavy loads a not good even for big cars.
6. Use of regular gasoline instead of premium gasoline can save you startling amounts of money.
7. Make sure your gasoline tank’s cap is not loose. Close it tightly to avoid wastage of fuel.

Posted in Budget TipsComments (0)

Cutting down your electricity bill

Electricity bills often come as bitter surprises. So much for turning off the unwanted lights and using the iron less, it still hardly makes a difference. If you really want to cut down on your electricity bill make a few small changes around your house and just wait for the bill to arrive!

On the top of the list is throwing out all your incandescent bulbs and replace them with fluorescent bulbs. A fluorescent bulb consumes 20-27 watts to give out the same amount of light that a 100 watt incandescent bulb gives you. These may be a little more expensive but in the long term they can save you hundreds of dollars on your electricity bill.

While working on your desk at home use a small desk lamp which is enough to light your desk instead of one which lights the whole room. Such small changes make a big difference.

Unplug devices such as chargers, hair dryers and washing machines after use. They may not be consuming electricity for any work but they still do consume a little electricity just for being plugged in.

Set your refrigerator and home cooling system’s temperature a little above what you mostly do. Just a change of 5 degree Fahrenheit will not affect the cooling much but will affect your bill greatly.

Posted in Budget TipsComments (0)

Saving Money On Maternity Dresses

Dressing during pregnancy is a very hard job, it is something one has never experienced before and one can land into serious financial problems. Party and wedding dresses for pregnant women are easily available in the market but cost a fortune, there are some very easy ways to save these extra expenses.

Women who buy expensive dresses during pregnancy later feel guilty as they can not use these again. They are willing to give these dresses to others who need them. Instead of just occupying extra hanging space in their cupboards when these dresses are worn by other pregnant women they feel glad that their money wasn’t wasted. Just look for such women and they will be happy to lend you their clothes.

There are communities which bring together parents and parents-to-be, search up such communities and join them. The experienced ones can help you find not only cheap clothes but all other essentials one needs during pregnancy.

Many women sell their clothes to consignment stores and make them available for you at a much cheaper price. It is better than spending hundreds of dollars on the same dress only due to the difference of stores.

Just asking around can save you from spending money on clothes byou will never wear more than once.

Posted in Budget TipsComments (0)

The Best Way to Manage Your Budget

Many people are fast falling in debt and one blames it on the lack of job opportunities and poor economic conditions of today. In fact majority of those in debt are high income-job holders.

The problem lies in our habits of spending carelessly on items we think are must-haves. The reality is we spend on the latest fashions, technologies etc to be happy but end up being in debt.
As big as this problem seems to be the solution is equally easy!

Do you think you have financial freedom? No, it is not about having a big pay check or short work time. It is whether you are satisfied with your job or not? Do you think what you do is worth what you get in return? If you are happy with your job and what you earn, you can say you have financial freedom and you can happily control your expenditures.

Set out goals for yourself but not the lame old goals which end up being unachievable dreams due to their boring elements. Set out such goals for yourself that excite you, which arise the passion to work but they don’t necessarily have to be very big and hard to achieve.

Once you have set out your goals budgeting will become a lot easier. You will be happier working to achieve your goals rather than buying items which you previously thought bring happiness to you. You will realize what items you really need and which ones you just want and everything will start settling down.

Posted in Budget TipsComments (0)

Save up on electricity and gas during summers

Summers bring with them a non stop usage of air conditioning. This sure keeps you comfy but when your electricity bill arrives a glance at the figures can give you a mini heart attack. It is possible to enjoy a good summer time along with saving up on the electricity. You can do that in a number of ways.
• Enjoy the summer breeze after dinner and turn the AC off for some time and let the fresh air in the house.
• Make sure you Air Filter is clean, change it once in every three months.
• Try drying your laundry outdoors in the summer heat instead of using the dryer.
• Arrange barbeques outdoors. Using indoor stoves all the time traps a lot of heat inside and gives your air conditioning a hard time. Plus, BBQs are fun.

High gas prices holding you back on going on your favorite road trips? You can still do that. Just make sure your tire pressure is just right, use cruise control (constant decelerating and accelerating uses a lot more gas than usual) and avoid rough roads and over speeding. You won’t think twice before planning a road trip.
Have a happy summer and a happy wallet!

Posted in Budget TipsComments (0)

Italy Va New Zealand: Which one to pick for a cheaper vacation?

 

Now obviously a vacation is not something to spend your entire savings on. Who wouldn’t like to choose a place that is ideal for vacation as well as reasonably cheap and offers a lot of free stuff too? In that matter, Italy and New Zealand undergo quite a tough competition. Now, Italy would be more suitable for Artistic minded people with its generous quantities of art open for public show. Only a fraction of Art is trapped behind the think walls of museums that you have to pay to have a look at. The brilliant architecture is everywhere on the show and there are plenty of regional festivals which go on throughout the year. As a bonus you can always take a hiking and walking track and enjoy the beautiful scenery.

New Zealand on the other hand would be better if you are a nature fan. With its vast greens and unpredictable weathers New Zealand is a tourist’s heaven. There are a lot of beaches to get a good tan before going back to work.

So don’t just sit. Make plans and choose any of the two tourists’ paradises. You don’t want to miss out on anything!

Posted in Budget TipsComments (0)

Fore-think the Christmas presents

How about doing some pre-thinking on the issue of Christmas presents this year? Everyone would like a thoughtful gift instead of a random pick. Why risk picking a present your special someone won’t like? This year try making a list of the important people in your life a long time before Christmas and observe their likes and dislikes. After you are done deciding which present would be suitable for whom take your time shopping and bargaining for it. Save a lot of money as an additional benefit. You can also shop for the presents online and get presents in a cheaper price than usual. Everyone would like some extra cash.
So if you want to go with the idea of thoughtful gifts middle of June is not an inappropriate time to do some thinking. Think what would please your dear ones and spread double the amount of joy. Why wait until the 21st of December when the time is running out and you just come down to sending a present “in time” for Christmas instead of sending a one they would actually love. Think about it. Perfect chance to show your special some ones that you really know them. Merry Christmas everyone!

Posted in Budget TipsComments (0)

how to prolong lifespan of vacuum, ceiling fan and oven

If you want your appliances to last longer, clean them properly. In this blog I’ll try to share the best ways of cleaning your stove, ceiling fans and vacuum cleaner.
1. Vacuum: This is may be one of the most neglected appliances. Machine’s filters and bags should be changed at least once a year. if your vacuum is bagless, use a sponge to wipe out the canister. Then test its ability to suck dirt and dust by vacuuming up a bit of sand. If it doesn’t suck it up properly, you need to show it to someone at local repair shop. If a part of two need to be replaced, go for it. However, motor problems are not cost-effective at all. Buy a new one in case there is some motor issue.
2. Ceiling fan: if the blades of your ceiling fan start shaking or wobbling, they are going to wear out the fan’s motor very fast. Clean the blades and get the screws tightened.
3. Stove and oven: igniters and burner on gas stoves work longer only when you keep them clean. Use a damp cloth and dish soap to clean the oven and gas stove.but you have to wait for the oven to get cool, so that you can easily touch it. Do it manually. Avoid the self-cleaning option even when you are unable to get rid of all the stains inside the oven.

Posted in Budget TipsComments (0)

How to Extend the Lifespan of Air-conditioned and Refrigerator

Cleaning the appliances on regular basis really prolong their lifespan. In the previous blog, I suggested a proper way of cleaning your dishwasher. In this blog, I will share with you some tips of cleaning other appliances.
1. Refrigerator: dust clogs the coils underneath the refrigerator. This clogging makes it difficult for the compressor fan to properly circulate the fresh air. You need to make sure that those coils are clean. First of all unplug the refrigerator. Remove the vent plate covering the coils down there. Then clean the coils using a vacuum hose. You also need to wipe down the door gasket of the refrigerator with a warm damp cloth. It prevents any sticky material to build up there. Such sticky build-ups can even result in tearing of the gasket. Consequently, destroying the whole refrigerating process.
2. Air conditioner: you need to clean the air conditioner coils as well at the beginning of the summer season. You need to clean or replace the filter, depending on the type of machine you have. First of all, remove the filter cover and clean the coils by using a vacuum brush. Then take out the filter for either cleaning or replacing purpose.

Posted in Budget TipsComments (0)

Cleaning extends lifespan of appliances

How cleaning extends lifespan of appliances?
I personally think that the key to keep your appliances running longer is cleanliness. I discovered this secret the way when my dishwasher simply went out of order. I took it to a repairman only to discover that one of my dishwasher’s filters was malfunctioning: all that repairman did was to rinse it properly.
It hardly takes much time to clean your appliances properly. However, cleaning enables your machines to live longer, much longer. Here are a few best ways to clean some of your appliances.
Dishwasher: use a sponge and plastic brush to clean the racks. Take them out first and have a detailed look at the corners and rubber lining of the empty dishwater now. Clean if you find any food residual in there. Read the owner’s manual carefully before removing the spray arms. Wash them properly using soap and water. For those who have a filter basket at the bottom of their dishwasher, remove the filter and rinse it as well. Slide one of your hands inside the filter hole and check if there is any debris in there. Once you are done with cleaning, put the parts of dishwasher back together and run it for a while with a little detergent.

Posted in Budget TipsComments (0)