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Tag: budget

Budgeting tips during economic downturn or recession

Budgeting tips during economic downturn or recession

Finance
Budgeting is a necessity these days. It is becoming more apparent every day. Seventy percent of America is coming up short on bills, rent, and food at the end of the month. The economy has suffered a huge hit. Everyone knows this. This recession has not rebounded like economist have stated. America still has an unemployment rate that is entirely too high. There is a lot of talent that is still out of work. All of this has put America in a huge crunch. I say this because if you do not know exactly how much money you have, and how much debt you have, then there is no starting point. We are going to change that. You have got to get organized. Put all of your bills on the table. This may need to be done every day when you are just starting out. Go through your mail everyday. Know what y...
How to save money with cookie jar

How to save money with cookie jar

Finance
A lot of people are watching their weight and don't need to eat cookies! So why not take that old cookie jar that's lying around and put it to good use? Take all the spare change that accumulates and drop it in that jar. In fact don't just put spare change in there, gather coins from anywhere and everywhere to go in the stash. Then by the end of the year, count it all out, and invest! The amount that savers will generate can be astounding. How to Save Money with a Cookie Jar First, take all the loose change from wallets, pockets, drawers around the house, and drop in that old cookie jar in the pantry. Then simply watch it grow for the next 12 months. But this is not just a passive activity! Take an active approach to collecting change. At the supermarket, dry cleaner, even the co...
Proven tips for budget travel in Lisbon

Proven tips for budget travel in Lisbon

Travel
Traveling in Europe can be expensive these days- especially for people going there from the Americas or Asia. Lisbon, however, is an ideal and often overlooked European city where one can still enjoy the sights and sounds without feeling like a grubby backpacker. Don't Waste Money on Transportation Portugal's own airlines- TAP Portugal and SAPA- both provide low-cost flights from North America that are cheaper than using U.S.-based airlines. Once one arrives in Lisbon, the airport is quite close to downtown and taxi fares are also cheap compared to fares in other countries. A ride from the airport to the heart of the city will only cost 5 to 10 euros with minimal traffic. The first thing to do is to buy a 24-hour transportation pass, which costs 4 euros and enables one to boar...
The best sunglasses on a budget

The best sunglasses on a budget

Lifestyle
Choosing a pair of sunglasses on a budget is tough and this is the reason we have come up with information on a couple of best as well as cheap sunglasses to buy. We have tested some of the best budget sunglasses before compiling the below list. These are UV-protected to protect eyes from the sun and stylish too. J+S Premium The J+S Premium sunglasses are just priced $17 a pair and these are comfortable to wear. The glasses had fit most of our testers and these protect the eyes too. These have a classic aviator shape and are sturdy and well built. These come with one-year warranty. The J+S Premium sunglasses are light and come with good nose pads for better fit on the face. Our testers never felt the glasses may fall apart. However, there are some flaws. Some found the frame a ...
How to save money, reduce summer expenses, reduce debt

How to save money, reduce summer expenses, reduce debt

Finance
Reducing household and other expenses during the hot summer months can save a lot of money. A regular review of the following hints may prove to be valuable! Power Bills Electricity bills often soar during summer – especially in houses with air-conditioning. If you have air-con, then use it sensibly. Keeping your house cool by keeping blinds and curtains closed, especially early on hot days when homes can rapidly heat up. If your house has upper floors, you may be able to cool most of the house by cooling the upper floors and letting the cool air fall through the rest of the house. (And warm your house during winter by heating the bottom story with hot air rising.) Also, check the seals on your refrigerator. A fridge working extra hard to keep cool can chew up a lot of additio...
How to backpack in tight budget and travel world

How to backpack in tight budget and travel world

Travel
Many travelers find backpacking a great way to travel because it is an affordable way to see the world. Air travel prior to a backpacking adventure can save some money if collecting travel rewards points with Aeroplan or a credit card such as the TD travel rewards card. Someone who is willing to sacrifice staying at a four-star hotel and for a hostel bed will be most suited to the backpacking lifestyle. Choosing the Backpacking Way A backpacker traditionally will carry everything packed in one or two bags on their back. Normally associated with a Canadian flag patch on the bag, the backpacker is a free-spirit with no set plans. A true backpacker will find ease in any difficult situation, will have flexibility in scheduling and a cool attitude. For example, sleeping with a bunc...