#SaveMoneyLiveBetter

[bahadaraliseo]

Costcodle – A Smart Way to Save and Shop Better

Tired of juggling between deals, discounts, and figuring out where to shop smart?

Check out Costcodle — a fresh take on smart shopping and savings strategies. Whether you’re a bargain hunter or just want to make more intentional purchases, this article breaks down how Costcodle helps shoppers save more, spend smarter, and enjoy the experience.

🛍️ Inside the post:

What Costcodle is & how it works

Tips to stretch your shopping budget

Smart consumer habits for everyday use

👉 Read the full article here: 🔗 https://nahttypen.com/costcodle/

Make every shopping trip a smart one. 💡

[kc22invesmentsblog]

The Hidden Cost of Subscriptions: Are You Wasting Thousands Every Year?

The Hidden Cost of Subscriptions: Are You Wasting Thousands Every Year?

Written by: D. Marshall Jr Imagine this: you check your bank statement, and among the essentials, rent, groceries, and utilities, you see a long list of small charges. Netflix, Spotify, Amazon Prime, Hulu, gym memberships, cloud storage, meal kits, and who knows what else. Individually, they seem harmless, $9.99 here, $14.99 there. But added up? The average American now spends $237 per month on…

[itschocoswirl]

◇ How to Save Money◇

♡ We save money to prepare for the futurehandle surprises and reach our goals ♡

Set a Goal

Know what you’re saving for whether it’s a big purchase, an emergency fund, or just extra cash. Set a specific amount and a deadline.

Track Your Spending

Write down every expense for a week or two. This helps you see where your money goes and spot areas to cut back.

Make a Budget

Plan your money by dividing it into needs, wants, and savings. Stick to your plan to avoid overspending.

Cut Unnecessary Expenses

Skip things like takeout or subscriptions you don’t use. Focus on essentials and treat yourself occasionally.

Save Automatically

If possible, set up automatic transfers to your savings account. Even small amounts, like $1 a day, add up over time.

Look for deals and discounts

Shop during sales, use coupons, or buy in bulk to save on everyday items There are also apps that give you discounts like the lidl app

Avoid Impulse Spending

One thing i do is wait 24 hours before buying something i don’t really need. This helps curb impulse purchases.

Public Transport/Walking.

If possible, walk or use public transport instead of driving or taking taxis. (Great for fitness, too)

50/30/20 rule

50% Needs : Essential expenses like rent, utilities, groceries, and transport.

30% Wants : Non-essential expenses like entertainment, dining out, or hobbies.

25% Savings : Set aside for future goals or an emergency fund.

[discoverandrise]

Google laya hai Dining Offers – dekho offers, karo compare aur savings ka mazza lo! 🍽️✨

Bill bachana ab hua aur easy! 😍 #ChristmasgiftfromGoogle Tag karo apne foodie friends aur feature hone ka mauka pao! 👇

[susanmoffatc21]

Before Old Man Winter arrives, now is the time to consider how you can save on your heating bill. Before buying blankets in bulk, swipe for a few ways to stay toasty in your home:

🪟 Watch out for drafts - Even small drafts can cause significant temperature drops. Common spaces include under doors and around windows. Replacing seals, adding caulk, or using a rolled-up towel can help keep the warmth in.

⭐️ Choose Energy Star appliances - If you’re replacing appliances soon, opt for appliances certified with high Energy Star ratings for about $450 annual savings on energy consumption.

💡 Upgrade to efficient lighting - Replace traditional light bulbs with more energy-efficient LED alternatives. Same brightness, less energy usage.

🧣 Inspect home heating systems - Avoid malfunction and energy waste by having your heating system inspected and serviced by a professional.

Looking for more money-saving tips for slashing heating costs this winter? Here are some bonus tips: ✔️ Install a programmable or smart thermostat to program the temperature for different times or control remotely. ✔️ Open the curtains or blinds during the day and close them at night to keep the heat in. ✔️ Close doors in unoccupied rooms. ✔️ Change your furnace filters regularly and schedule an annual HVAC inspection to keep it running efficiently. ✔️ If you have a ceiling fan, spin it clockwise on the lowest setting to help trapped heat move down. ✔️ Use a humidifier. Moist air feels warmer than dry air. ✔️ Ensure your vents are clear to allow the air to flow freely. ✔️ Get cookin’. The warmth from the stove and oven will help warm your home. ✔️ If you have a fireplace, keep the damper closed when the coals are completely done burning, and use a draft stopper to cover the fireplace opening. ✔️ If you have an attic or crawl space, make sure it is well-insulated, which can save you an average of 15 percent on your heating bill.

With a little thought, you can stay toasty while saving money this winter. Happy saving!

Looking to buy, sell, or invest? As your REALTOR®, I’ll guide you every step of the way. Contact me today and let’s turn your real estate dreams into reality! 📲

For more information, contact:

Susan Moffat | REALTOR® 📲 519.377.5154 📧 susan.moffat@c21.ca 🖥 susanmoffat.com 🏢 Century 21 In-Studio Realty Inc., Brokerage

Not intended to solicit parties under contract.

[howzone]

How to Invest: Your Guide to Building Wealth 📈💰 (Step-by-Step)💸

Are you looking for the best way to grow your wealth but not sure where to start? This video will guide you through how to invest, covering all the essentials you need to know. Whether you’re a beginner looking to invest your first $1000 or someone ready to dive into stocks, real estate, or index funds, this video has got you covered!

We’ll answer the most important questions, including:

👉 How to invest in stocks

👉 How to invest in the stock market

👉 How to pick stocks to invest in

👉 How to research stocks and how to buy stocks with confidence

👉 How to invest money strategically in 2024 and beyond

In this video, you'll also learn:

✅ How to invest in index funds to diversify your portfolio

✅ How to invest in real estate and build passive income streams

✅ How to pick stocks to buy and create a winning investment strategy

✅ How to invest for beginners without getting overwhelmed

✅ Pro tips for how to invest in stocks for beginners to maximize your returns

No matter if you're curious about how to invest your first $1000 or need practical steps for how to invest money in the stock market, this guide is tailored to help you succeed. Investing can seem intimidating, but we break it down into simple, actionable steps to help you make smart financial decisions.

💼 Who is this video for?

Beginners wondering how to invest money for the first time. Those interested in knowing how to invest in 2024 and adjust strategies for the current market. People who want to learn how to invest in index funds or real estate for the long term. Anyone looking for advice on how to pick stocks to build a profitable portfolio.

📊 The time to start building wealth is NOW! Learn how to invest your first $1000 and build a strategy that works for you. Make your money work harder and smarter through the power of investing!

#HowToInvest #HowToInvestInStocks #InvestingForBeginners #InvestInRealEstate #InvestInIndexFunds #HowToPickStocks #FinancialFreedom #WealthBuilding

[akermonrossenfeldusa]

Akermon Rossenfeld Co.: 5 Tips for Living on a Budget While Paying Off Debt

Paying off debt can feel overwhelming, especially when you're trying to live within a budget. However, with the right approach and mindset, it's possible to tackle your debt while maintaining a manageable lifestyle. At Akermon Rossenfeld Co., a premier debt collection agency, we understand the importance of financial stability. That's why we’ve put together these five practical tips to help you live on a budget while making consistent progress toward becoming debt-free.

1. Create a Realistic Budget

The first step to living on a budget while paying off debt is creating a plan that fits your lifestyle. Start by listing your income and all your expenses. Include fixed costs like rent, utilities, and debt payments, as well as variable costs like groceries, transportation, and entertainment.

Once you have a clear picture of your finances, you can identify areas where you can cut back. Set specific spending limits for each category, but be realistic—setting an overly restrictive budget may lead to frustration and overspending down the road.

Tip: Use budgeting apps to track your spending in real-time, making it easier to stay on top of your finances.

2. Prioritize Debt Payments

Not all debts are created equal. High-interest debt, such as credit card balances, can quickly spiral out of control if not addressed. Make it a priority to pay off these debts first while continuing to make minimum payments on other lower-interest debts.

There are two popular methods to tackle debt:

The Snowball Method: Focus on paying off your smallest debts first. As each debt is eliminated, use the freed-up funds to tackle the next one.

The Avalanche Method: Focus on paying off debts with the highest interest rates first to minimize the amount of interest you pay over time.

Whichever method you choose, sticking to your payment plan is key to becoming debt-free.

3. Cut Unnecessary Expenses

When living on a budget, trimming unnecessary expenses is essential. Small, everyday costs can add up quickly and take away money that could be used to pay down debt. Evaluate your spending habits and look for areas where you can make cuts.

For example:

Cook meals at home instead of dining out

Cancel subscriptions or memberships you rarely use

Shop smarter by buying items on sale or in bulk

These small changes can make a big difference in your overall savings, which you can then use to chip away at your debt.

Tip: Challenge yourself to a "no-spend" week or month where you only purchase essentials. This can help you identify areas where you may be spending more than necessary.

4. Increase Your Income

While living on a budget often focuses on cutting back, increasing your income is another powerful way to accelerate debt repayment. Consider taking on a side hustle or freelance work in your spare time. Even a few extra hours of work per week can provide additional funds to put toward your debt.

Other ideas for increasing income include:

Selling unused items around your home

Renting out a room or parking space

Offering services like tutoring, pet sitting, or house cleaning

By boosting your income, you can pay off your debt faster without having to rely solely on cutting expenses.

5. Stay Positive and Celebrate Milestones

Paying off debt is a marathon, not a sprint. It’s important to stay positive throughout the process and celebrate small wins along the way. Every time you pay off a credit card or reduce a loan balance, take a moment to acknowledge your progress. These milestones can serve as motivation to keep going.

If you ever feel overwhelmed, remember why you started. Becoming debt-free will provide you with more financial freedom, reduce stress, and allow you to focus on other important life goals.

Tip: Consider using visual aids like a debt payoff chart to track your progress. Seeing the balance decrease over time can be incredibly motivating!

Conclusion

Living on a budget while paying off debt doesn’t have to mean giving up your quality of life. By creating a realistic budget, prioritizing your debt payments, cutting unnecessary expenses, and even increasing your income, you can take control of your finances and achieve your debt-free goals.

At Akermon Rossenfeld Co., we know how challenging managing debt can be. That’s why we’re committed to helping individuals and families find effective ways to stay on top of their financial obligations while improving their overall well-being. With the right strategies and a positive outlook, living on a budget and paying off debt can be empowering rather than stressful. Start your journey today, and watch as your financial freedom grows step by step.

[smallpossibilities]

5 Budgeting Strategies That Can Transform Your Financial Life

Managing finances can be overwhelming, right? If you’re aiming to save for a vacation, pay off debt, or simply get a grip on monthly expenses, finding a budgeting strategy that works for you is essential. Here are five budgeting methods that I’ve found incredibly helpful, along with some practical tips you can use right away.

1. Zero-Based Budgeting: Plan Every Dollar

Overview: In Zero-Based Budgeting (ZBB), you allocate every dollar of your income to a specific category. This includes regular expenses like rent, groceries, and utilities, as well as savings, debt repayment, and discretionary spending such as entertainment or dining out. The idea is to ensure that no dollar is left unaccounted for, giving you a comprehensive view of where your money goes.

How to Apply:

List all sources of income.

Write down all expenses, starting with essentials and then non-essentials.

Adjust the amounts until your income minus expenses equals zero.

Stick to your budget and review it monthly.

2. The 50/30/20 Rule: Balanced Budgeting

Overview: The 50/30/20 rule is a simple and effective method for managing your finances. It divides your after-tax income into three main categories: needs, wants, and savings/debt repayment. This balanced approach ensures that you cover essential expenses, enjoy discretionary spending, and work towards your financial goals.

How to Apply:

Calculate your after-tax income.

Allocate 50% to needs, 30% to wants, and 20% to savings and debt.

Track your spending to ensure you stay within these limits.

3. Envelope System: Spend Only What You Have

Overview: The Envelope System is a tried-and-true budgeting method that helps you control spending by using cash for different expense categories. This system encourages discipline and awareness by limiting spending to the cash available in each envelope, making it easier to stick to your budget and avoid overspending.

How to Apply:

Determine your spending categories and allocate a set amount of cash to each.

Use envelopes to separate cash for each category.

Spend only the cash in each envelope, and stop when it’s gone.

Refill the envelopes at the start of each month.

4. Pay-Yourself-First Budgeting: Prioritize Savings

Overview: The Pay-Yourself-First budgeting method prioritizes savings and investments before addressing other expenses. By treating savings as the most important “expense” and paying it first, you ensure that you are consistently building wealth and working towards your financial goals.

How to Apply:

Decide on a percentage of your income to save.

Transfer this amount to a savings account as soon as you get paid.

Budget the remaining money for expenses and discretionary spending.

5. Priority-Based Budgeting: Focus on What Matters Most

Overview: Priority-Based Budgeting emphasizes allocating your resources according to your most important goals and values. This method helps you identify and prioritize expenses that align with your financial objectives, ensuring that your money is spent on what truly matters to you.

How to Apply:

List and prioritize your financial goals.

Allocate your budget starting with the most important expenses.

Adjust as needed to ensure priorities are funded first.

Review and revise your priorities regularly.

Conclusion

Finding the right budgeting strategy can significantly improve your financial well-being. Whether it’s zero-based budgeting, the 50/30/20 rule, the envelope system, pay-yourself-first, or priority-based budgeting, each method offers a different approach to managing your money. Explore these strategies to see which one aligns best with your lifestyle and begin your journey towards financial stability and freedom.

Happy budgeting!

Cas Lin Small Possibilities

[jjbizconsult]

Couponing 101: How to Save Money and Live Your Best Life

[prahimofficial]

t's not about how much you earn; it's your spending & saving habits. In successful habits, you earn, save, invest and spend what is left but in unsuccessful habits you might earn, spend, spend what is left and then invest. So choose your habit wisely!

Contact us now to get quotes and investment plan. Websites : - https://prahiminvestments.com/ Phone :- 093157 11866 , 0120-4150300

[mdforhadhossain]

This Is Why You’re Broke (And How to Break Free) @KeshonBroadus

[crypythone]

Cutting Unnecessary Expenses Without Sacrificing Joy: The Art of Intentional Living

In an age of relentless consumerism and always-on spending temptations, the idea of “cutting expenses” often conjures images of deprivation: bland meals, canceled vacations, and a general air of financial austerity. For many, the thought of tightening the belt seems synonymous with sacrificing the very joys that make life worth living. This pervasive misconception often prevents individuals from…

[techmarketuk]

📲 Don’t Overpay for Premium Tech!

Why drop £500+ when you can get the same iPhone 13 for less?

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The smart way to buy your next phone.

👉 Shop now: techmarket.co.uk

⸻

#TechDeals #iPhone13 #RefurbishediPhone #SustainableTech #AppleDeals #SaveMoneyLiveBetter #TechMarket

[moneyrox]

Imagine getting paid weekly for helping people save money on everyday life…

Groceries, bills, travel, shopping—you name it.

Now imagine it only cost you $80 to start + 67¢ a day to run.

Oh, and all the training? DONE FOR YOU.

That’s what I said yes to.

It’s called Save Club, and it’s low-key the smartest decision I’ve made in a long time.

If you're curious, just check this out 👇

👉 https://www.saveclubsplash.com/Roxycrook/page4

#SaveMoneyLiveBetter #DigitalBizVibes #WeeklyIncomeGang #EffortlessLiving

[timhumphrey]

Mortgage Payments: Weekly vs Monthly

https://www.youtube.com/watch?v=UdL9-QsMs4o Here’s the deal: If you’ve got a $500K mortgage over 30 years at 5%, paying monthly racks up a staggering $466K in interest. That’s almost as much as your house! But switch to biweekly payments, and things get interesting. By making 26 smaller payments a year (instead of 12 big ones), you could cut 4-5 years off your mortgage and save around $85K in interest. That’s like giving yourself a bonus just for paying smarter! 🙌 Not every lender allows this, so planning ahead is everything. Want more tips like this? Drop “hacks” in the comments, and we’ll show you how to make your mortgage work for you, not against you. 🏡 🔔Hit subscribe for the latest expert insights and valuable podcasts on mortgage tips, real estate trends, and strategies to grow wealth through smart property decisions! https://www.youtube.com/@HumphreyMortgage/?sub_confirmation=1 ✅ Important Link to Follow 🔗 Linktree https://ift.tt/NPZGdDf ✅ Stay Connected With Me. 👉 Instagram: https://ift.tt/OGsKaL6 👉 Linkedin: https://ift.tt/ziHMLUd 👉 Website: https://ift.tt/Rx8Ff4D 📩 For Business Inquiries: Tim@HumphreyMortgageTeam.com ============================= 🎬 Recommended Playlists 👉 Mortgage Lab https://www.youtube.com/playlist?list=PLuGT35X1mS76AUvaPHN8IuRCi-FxrI3-C 👉 Mortgage Lab Podcast https://www.youtube.com/playlist?list=PLuGT35X1mS74oOo8OcrSd12Apdwv2FrYS 🎬 WATCH MY OTHER VIDEOS: 👉 What Is Debt-To-Income Ratio? How It Affects Mortgage Approval Explained https://youtu.be/mNB9acNqJds 👉 Top 7 Mistakes To Avoid For Mortgage Approval – Essential Home Buying Tips https://youtu.be/BLxBsmXvqkw 👉 How Mortgage Insurance Helps You Buy A Home With Less Than 20% Down | Real Estate Tips https://youtu.be/yjmPHZdBmx0 👉 How To Increase Your Home Sale Profits With Pre-Sale Renovations https://www.youtube.com/watch?v=DL81T99XPs0 👉 Real Estate In 2024: Essential Market Trends And Challenges To Watch | Real Estate Tips https://www.youtube.com/watch?v=-_fBuasdX8o ============================= #MortgageTips #WealthBuilding #FinancialFreedom #MortgageHacks #HomeownershipGoals #DebtFreeJourney #PersonalFinance #RealEstateInvesting #SaveMoneyLiveBetter #BiweeklyPayments #SmartMoneyMoves ⚠️ Disclaimer: Ideas expressed may not be complete and may not apply to all situations. NEO Home Loans is a division of Luminate Home Loans, Inc. | NMLS #150953 | Luminate Home Loans, Inc. NMLS#150953. Equal Housing Lender. Corporate Headquarters 2523 Wayzata Blvd. S. Suite 200, Minneapolis, MN 55405. For licensing information, go to https://ift.tt/1QNbCsA. This advertisement does not constitute a loan approval or loan commitment. Loan approval or loan commitment is subject to final underwriting review and approval. Other terms and conditions apply. ✖️ Copyright Notice: This video and my YouTube channel contain dialogue, music, and images that are the property of Tim Humphrey. You are authorized to share the video link and channel and embed this video in your website or others as long as a link back to my YouTube channel is provided. © Tim Humphrey via Tim Humphrey https://www.youtube.com/channel/UCYIh6njt7ARosNWhQCi93Aw January 28, 2025 at 06:14AM