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Money Saving Tips For Families On A Budget

Saving sure is hard work, especially if you don’t have much money to go on in the first place. However, good saving habits can be taught. With a bit of self-discipline and lots of determination, you can increase your savings every month.

Since we live in consumer driven society, we strongly believe that goods are the key to happiness. It’s time to take a stand and leave the consumer behavior behind.

Here are five sure ways to save more money each month.

1. Save on groceries

– Stick to a budget for food expenses.

– Always go grocery shopping with a list and a plan. Don’t go accompanied by your children, or you’re likely to overspend.

– Don’t go to the supermarket on an empty stomach, or when bored or upset.

– Plan your meals ahead of time and only go grocery shopping once a week. The more times you enter the supermarket, the more you will spend on groceries.

– Buy non-perishable items in bulk, especially when you find sales.

2. Pay yourself first

If you don’t pay yourself first, you’re likely to have no money left to save at the end of the month.

Paying yourself first means setting aside a certain amount in savings at the beginning of the month, before you have the chance to spend that money on anything else. This way, you won’t even feel the money is missing. You can also try automatic withdrawals to your savings account to speed things up and simplify the process.

3. Pay down your credit card debt and avoid getting any more debt

If you want to stay on top of your finances and leave debt behind for good, then make an effort to pay down your credit card, starting with the one with the highest interest rate. Needless to say, you should refrain from getting into more consumer debt, especially if money is tight.

4. Track your spending

If you can’t understand why you are left with nothing at the end of the month, then it’s time to do some research. Track your spending for a couple of months and find out exactly where your money is going. Track every expense, even the ones you deem insignificant.

5. Reduce expenses

Even small changes can make a big difference in your budget. Change one small habit at a time and you won’t even feel the difference.

For instance, instead of buying gourmet coffee every morning on your way to work, make your own coffee at home. Or instead of going out three times a week, go out only once.

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Now you can learn the secrets of some of the world’s most successful minds in a week-by-week exploration of the most-sold and highly acclaimed money psychology book of all time: THINK & GROW RICH

Each week we unwrap the gifts of how to use your untapped mental potential to manifest the ultimate success – starting with money, and then an abundance of health, love, joy, and whatever your heart desires.

Based on the best-selling wealth book of all time (published nearly 100 years ago) now you too can THINK AND GROW RICH!

 


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Six Senseless Ways You Are Spending Your Money

We all do it. Wasting money on purchases we don’t really need, that is.

Impulse and emotional purchases play a large role in our bad spending habits. Acknowledging our money mistakes is the first step towards building a more secure financial future.

What are the most foolish and most avoidable bad purchases we make on a daily basis?

1. (Unused) Gym memberships

Congratulations to you if you are sticking to your tri-weekly gym training routine! But to the rest of you out there who have forgotten where your gym membership card is, it’s time to cut your losses and motivate yourself to exercise at home.

2. Dietary supplements

Unless you have a serious health condition and the physician recommends you take certain dietary supplements, you shouldn’t spend your money on vitamins and them.

You’re much better off if you eat a healthy, balanced diet and get all the required nutrients from real food. It is a known fact that multivitamins and other supplements cannot provide the same benefits as healthy foods can.

3. Extended warranties

How many times have you actually used those extended warranties you pay extra for at the checkout? The reality is that chances are very slim you will ever get to benefit from this type of warranty. The initial manufacturer warranty is all you really need.

4. Last-minute grocery items

Impulse buys at the grocery store can really add up at the end of the month. It pays off to resist the urge to buy things you don’t need. Go to the grocery store on a full stomach, with a shopping list of everything you need to buy, and you’ll thank yourself later.

5. Avoidable fees

Due to laziness or pure ignorance, we often pay fees that could easily be avoided. Such fees include late fees, interest fees, and overdraft fees. Take time to schedule and automate your bill payments to avoid paying late fees and interest.

6. Small convenient purchases

All those gourmet coffees, soft drinks, small snacks, and other convenient, yet overpriced products can add up at the end of the month. A wiser approach would be to make your own coffee at home, buy snacks and other items in bulk or switch to healthier alternatives (fresh veggies, for example), and replace soft drinks and alcoholic beverages with tap water.

JOIN OUR ONLINE COURSE & THINK & GROWN RICH: https://life-retreat-studio.teachable.com/p/think-grow-rich-home-study-course/?preview=logged_out

Now you can learn the secrets of some of the world’s most successful minds in a week-by-week exploration of the most-sold and highly acclaimed money psychology book of all time: THINK & GROW RICH

Each week we unwrap the gifts of how to use your untapped mental potential to manifest the ultimate success – starting with money, and then an abundance of health, love, joy, and whatever your heart desires.

Based on the best-selling wealth book of all time (published nearly 100 years ago) now you too can THINK AND GROW RICH!


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Designing Your Perfect Smile – With Ultilign

When it comes to a first impression, the very intial thing you see when you greet someone, are their eyes, followed by their teeth! A lot of people under-estimate the importance of having straight teeth. A perfect smile not only changes the way you look, but more importantly, the way you feel about yourself. 

What if someone told you that you can now design your perfect smile using nearly invisible, removable aligners? 


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