#Bulk eCheck Processing

[offshoregateways]

How I Choosing the Right eCheck Payment Processor for our Business? Choosing the right "eCheck payment processor for your business" involves careful consideration of several key factors to ensure smooth transactions and optimal service

[anushnaganesh]

Print Payroll Checks the Easy Way: Save Time, Money, and Stress

Payroll is one of those tasks that every business owner knows can get complicated fast. Getting your employees paid on time is critical. But did you know that nearly 65% of workers live paycheck to paycheck? That means even a small payroll delay or error can cause serious problems—not just for your team, but for your business reputation too.

If you’re still ordering preprinted payroll checks in bulk or relying on manual processes, you’re probably paying too much and dealing with avoidable hassles. The good news? Modern solutions like Zil Money let you print payroll checks on blank stock paper whenever you want, wherever you want. This can cut costs, speed up payroll, and give you peace of mind.

Payroll Problems That Cost Time and Money

Traditional payroll check printing comes with hidden headaches. You order checks months in advance, pay for shipping and storage, and face delays if you suddenly need extra checks. Mistakes in manual payroll entry can cause reprints, missing payments, or worse — unhappy employees.

Payroll errors aren’t just annoying — they’re expensive. According to recent studies, 54% of Americans have experienced pay problems, and 72% would struggle financially if their paycheck was delayed by just a week. That’s why businesses need a reliable, flexible way to handle payroll.

Print Payroll Checks Anytime, Anywhere, and Save Big

Zil Money helps you print payroll checks instantly using blank check stock paper. This means no waiting for shipments or buying checks you may never use. Just buy blank check stock locally, print payroll checks with your office printer, and save up to 80% compared to traditional check printing.

This method gives you flexibility. If you hire new staff mid-cycle or need to make a last-minute payment, you can print checks right away. It’s especially useful for businesses with fluctuating payroll needs.

Custom Checks That Represent Your Brand

Payroll checks are more than just payment—they’re part of your company’s image. Zil Money allows you to customize your payroll checks with your business logo, colors, and fonts. This professional branding helps build trust and shows employees you care about quality.

Secure and Integrated Payroll Processing

One of the biggest risks in payroll is errors. Manually typing employee details or exporting payroll data from one system to another causes errors and delays.

Zil Money seamlessly integrates with well-known payroll and accounting programs, allowing you to directly import employee pay data. This eliminates mistakes, enhancing accuracy and compliance.

Plus, the cloud-based platform uses industry-leading security to keep your payroll data safe. Features like instant check cancellation and automated positive pay reduce fraud risk and give you confidence.

Instant or Mailed – You Decide!

Zil Money makes it easy to handle payroll checks your way. You can quickly send out printable eChecks via email, and employees will get an SMS alert as soon as their payment is ready. If you or your team prefer traditional paper checks, the platform also offers secure mailing options through trusted carriers like USPS or FedEx. This way, your checks arrive safely and on time, all without you having to leave your desk. This way, you decide how payroll checks reach your team—fast, secure, and hassle-free.

Why More Businesses Are Switching to the Cloud-based Platform?

Cut payroll check printing costs by up to 80%

Print checks on demand, eliminating waste

Customize checks easily to reflect your brand

Print from anywhere with any standard printer

Mail or email payroll checks with built-in notifications

Integrate payroll data from popular software to reduce errors

Protect your business with secure, encrypted payroll processing

Printing Payroll Checks Made Simple and Affordable

Knowing how to print payroll checks efficiently is essential for small business owners looking to save money and avoid payroll headaches. Traditional bulk check ordering is costly and slow.

With Zil Money, you can print payroll checks instantly on blank paper, customize them to look professional, and connect directly with your payroll software. This saves you money and also helps keep your employees happy by making sure they get their pay on time and it’s accurate.

If you want to simplify your payroll process, save money, and eliminate the stress of check printing, it’s time to explore how Zil Money can help you print payroll checks smarter and faster.

[automatedpostalapis]

How to Print and Mail Cheques from QuickBooks and Other Accounting Software

Even in 2025, cheques remain essential for many businesses. From vendor payments to payroll processing, printed cheques offer control, traceability, and compliance. While digital payments dominate in many sectors, printing and mailing cheques through accounting software like QuickBooks, Xero, and Sage is still a preferred option for thousands of companies.

In this comprehensive guide, you’ll learn how to securely print and mail cheques from QuickBooks and other accounting software—automatically, efficiently, and in compliance with today’s financial regulations.

Why Businesses Still Use Printed Cheques in 2025

Despite the rise of ACH and wire transfers, printed cheques continue to play a role due to:

Vendor preferences in certain industries.

Record-keeping requirements for auditing and reconciliation.

Security controls offered by physical documents.

Cross-border transactions where electronic systems may lag.

Advantages of Automated Cheque Printing and Mailing

AdvantageDescriptionSaves TimeNo manual printing, signing, or stuffing envelopes.Improves SecurityMICR-encoded, fraud-resistant checks with audit trails.Enhances WorkflowSyncs directly with your accounting system.Reduces CostsNo need for in-house printers, supplies, or postage.Offers Mailing FlexibilitySend via USPS, FedEx, or Canada Post.

How Cheque Printing & Mailing Works from QuickBooks

Step-by-Step for QuickBooks Online Users

Connect to a Cheque Mailing Service

Use integrations like Checkeeper, Melio, or Deluxe eChecks.

Enter Bill or Payment Info

Record the vendor payment like any other transaction.

Choose “Print Later” Option

Flag the cheque for batch processing.

Log into Your Cheque Mail Service

Import the pending cheques.

Select Cheque Style and Template

Use company-branded checks with MICR encoding.

Confirm Mailing Preferences

Select envelope type, delivery method, and speed.

Process and Track

Monitor mailing status and delivery confirmations.

Using Checkeeper: A QuickBooks-Integrated Solution

Checkeeper is a popular tool for QuickBooks users due to:

Full QuickBooks Online and Desktop integration.

Unlimited check printing and cloud-based templates.

USPS mailing with delivery tracking.

Same-day processing.

Printing Cheques from QuickBooks Desktop

Install Compatible Printer with MICR Toner

Insert Blank Cheque Stock

Go to File > Print Forms > Cheques

Select Bank Account and Cheques

Preview and Print

For mailing, integrate with services like PrintBoss, which automates batching and postal fulfillment.

Mailing Cheques from Other Accounting Software

1. Xero

Integrate with Plooto or Checkeeper.

Export payment details or sync directly via API.

Set up cheque layouts and print/mail options.

2. Sage

Use Sage-integrated tools like Deluxe or Checkflo.

Enable multi-user access for approvals and print queues.

3. FreshBooks

FreshBooks doesn’t have native cheque support but works via Zapier and tools like VersaCheck or Checkeeper.

Features to Look for in Cheque Printing Software

FeatureBenefitMICR EncodingMeets bank processing standards.Cloud Sync with Accounting SoftwareEnsures accurate data flow.USPS/Canada Post SupportOffers mail tracking and delivery options.Custom TemplatesAllows brand consistency.Batch PrintingSpeeds up bulk operations.Two-Factor AuthenticationAdds security for sensitive payments.

Security and Compliance Tips

Use Secure Printers or Cloud Providers

Prevent unauthorized access with role-based controls.

Enable Multi-User Approval Workflows

Require sign-off from finance or management.

Encrypt All Transactions

Ensure data in transit and storage is secured.

Store Cheque Images and Logs

Useful for audits and dispute resolution.

Comply with NACHA & CRA Standards

Meet U.S. and Canadian cheque compliance laws.

Cost Considerations

Cost ItemTypical CostBlank Cheque Stock$25–$60 per 500 checksMICR Toner Cartridges$80–$150 eachMailing Service Fees$1.50–$3.50 per chequeSoftware Subscription$10–$50/month depending on features

Using an all-in-one provider is often more affordable than managing in-house.

Best Practices for Efficiency

Automate recurring payments like rent or contractor payroll.

Outsource high-volume payments to print-and-mail vendors.

Centralize cheque logs for internal control and audit readiness.

Add QR codes for recipients to scan and confirm deposit instructions.

Cheque Printing API Integrations

For developers and finance teams:

Lob API – Ideal for enterprise cheque workflows.

Checkeeper API – Simple integration with CRMs and billing tools.

Melio API – Focused on bill pay and expense management.

These APIs enable fully automated cheque issuance from custom applications.

Conclusion

In 2025, printing and mailing cheques from QuickBooks and other accounting software is easier, faster, and more secure than ever. Whether you're a small business paying local vendors or a large organization handling payroll, leveraging cheque automation tools saves time, reduces errors, and ensures compliance.

By selecting the right platform, integrating with your accounting software, and following best practices, you can modernize your cheque workflow while keeping the trust and flexibility that paper payments provide.

SITES WE SUPPORT

Automated Postal APIs – ​​​Wix

[checkmailingservices]

Why Investing in Check Printing and Mailing Software Will Benefit You?

In today’s digital world, businesses strive to improve efficiency, reduce costs, and streamline their financial operations. One way to achieve these goals is by investing in check printing and mailing software. Whether you run a small business, a mid-sized company, or a large corporation, automating your check printing and mailing processes can significantly enhance your financial workflow. Here’s why this investment is beneficial for your business.

1. Cost Savings

Manual check writing is not only time-consuming but also costly. Businesses spend money on check stock, envelopes, ink, postage, and labor to process payments. Check printing and mailing software reduces these expenses by automating the process. Additionally, bulk mailing options can further cut costs, saving you money in the long run.

2. Time Efficiency

Time is money, and manually printing and mailing checks takes up valuable employee hours. With automated check processing software, you can print and mail multiple checks with just a few clicks, allowing your staff to focus on other essential tasks. This speeds up the payment process, ensuring vendors, employees, and suppliers receive their checks promptly.

3. Enhanced Security

Security is a significant concern when handling financial transactions. Check fraud is a growing issue, and businesses must take precautions to prevent unauthorized check alterations. Investing in check printing and mailing software enhances security through features like:

MICR (Magnetic Ink Character Recognition) printing to prevent check tampering

Secure encryption to protect sensitive financial data

User access control to restrict unauthorized access

Automated tracking to monitor check distribution

These security features help safeguard your business against fraud and financial risks.

4. Customization and Branding

Professionalism is key in business, and customized checks help enhance your brand identity. With check printing software, you can:

Add your company logo for a professional look

Customize fonts and styles to match your brand

Include digital signatures for consistency and authenticity

Personalize payment messages for vendors or customers

This level of customization not only boosts brand recognition but also establishes credibility and trust with recipients.

5. Compliance with Banking Standards

Banks require specific standards for processing checks, such as MICR encoding and correct formatting. Check printing and mailing software ensures compliance with banking regulations, reducing the chances of check rejection and improving transaction efficiency. The software also stays updated with the latest banking compliance requirements, ensuring your business remains compliant at all times.

6. Reduced Errors and Discrepancies

Manual check writing often leads to errors, which can cause financial discrepancies and delays. Automated software eliminates human errors by ensuring that check amounts, payee details, and dates are accurate before printing. The software’s built-in error detection mechanisms prevent costly mistakes and ensure smooth financial transactions.

7. Seamless Integration with Accounting Software

Many check printing solutions integrate seamlessly with popular accounting software like QuickBooks, Xero, and FreshBooks. This allows businesses to streamline their accounts payable and financial reporting without extra manual work. Integration benefits include:

Automatic data synchronization for real-time tracking

Reduced duplication of financial entries

Improved audit and reporting accuracy

With integration capabilities, businesses can enhance efficiency and minimize financial discrepancies.

8. Eco-Friendly and Paperless Options

Going green is a priority for many businesses today. Check printing and mailing software reduces paper waste by offering digital check delivery options, such as eChecks or ACH payments. This eco-friendly approach helps businesses minimize their environmental footprint while also cutting down on paper and postage expenses.

9. Faster Payment Processing and Delivery

Manually writing and mailing checks can delay payments, affecting business cash flow. Automated check mailing speeds up the process, ensuring that payments reach recipients on time. Many check printing solutions also offer:

Same-day check printing and mailing

Batch processing for multiple checks

Expedited mailing options

Faster payment processing strengthens business relationships with vendors and suppliers, improving reliability and trust.

10. Better Record-Keeping and Reporting

Having a well-organized financial record is essential for audits and tax filing. Check printing software automatically stores check details, including:

Payee information

Check numbers

Payment amounts

Date of issuance

This ensures that your business maintains accurate financial records, making it easier to track payments and generate financial reports when needed.

11. Scalability for Business Growth

As your business grows, your financial transactions increase. Handling larger payment volumes manually can become overwhelming. Check printing and mailing software is scalable, allowing businesses to manage increased check processing without hiring additional staff. This makes it an excellent long-term investment that grows with your company’s needs.

12. Customer and Vendor Satisfaction

Timely and error-free payments enhance relationships with vendors, employees, and customers. Reliable check processing software ensures that all payments are made correctly and on schedule, preventing disputes and improving trust. Happy vendors and employees lead to a more efficient and productive business environment.

Conclusion

Investing in check printing and mailing software is a smart decision for any business looking to reduce costs, improve efficiency, enhance security, and maintain compliance. This software streamlines financial operations, minimizes errors, integrates with accounting platforms, and ensures faster payment processing. With growing concerns about security and fraud, using automated check processing software is an essential step toward a safer, more efficient financial system.

If you’re looking to simplify your financial operations while ensuring accuracy and security, now is the perfect time to invest in a check printing and mailing solution. It’s a cost-effective, scalable, and strategic move that will benefit your business in the long run.

SITES WE SUPPORT

Check Mailing Service – ​​​Weebly

[fathimaaaaaa]

How You Can Do International Wire Transfer Almost Instantly

June was on edge. Her supplier in Germany had offered a limited-time bulk discount, but her traditional bank transfer wouldn’t process in time. She couldn’t afford to miss this deal. Searching for options, she found the platform providing an instant international wire transfer. Skeptical but desperate, she entered the supplier’s details and hit send. Within moments, she received confirmation—the funds had reached Germany! June secured her discount and discovered a reliable way to keep her business thriving under tight deadlines. Do you also want to know about the platform?

Disclaimer: This story about June is a fictional example created to illustrate common challenges faced by small business owners when managing finances. Any resemblance to actual persons, businesses, or events is purely coincidental.

What is an International Wire Transfer?

Doing business globally means sending or receiving money across borders. While older methods like cash, foreign money exchange, or money orders were once common, they tend to be slow and carry higher risks.

As a better solution for modern businesses, OnlineCheckWriter.com - Powered by Zil Money, offers affordable and secure international wire transfers. The method is both fast, secure and allows you to transfer large amounts of money directly to a recipient’s bank account in another country. Users can send wire transfers from an online checking account, digital wallet and credit card easily without hidden fees.

Wire Transfer via Checking Account

The platform allows you to send and receive international wire transfers via an online checking account. OnlineCheckWriter.com - Powered by Zil Money, offers fee free online checking for businesses and individuals. Users can eliminate maintenance fees, minimum balance requirements and initial charges. You can open multiple online checking accounts without additional charges. The software offers online check printing features to create and print checks by saving 80% of check printing costs. Via online checking accounts, you can make same-day ACH, international and domestic wire transfers, instant virtual card transactions, and electronic check payments.

Wire Transfers Via Credit Cards

OnlineCheckWriter.com - Powered by Zil Money, allows users to send wire transfers via credit cards. The platform allows you to pay payroll, vendors, landlords, etc using your credit card, and in any form they prefer—ACH, wire transfer, check, or virtual card. There are no transaction costs for the payee when using credit cards, and you can keep your credit card reward points. The software allows users to pay and get paid using credit cards, printable checks, eChecks, ACHs, wire transfers, and more. The platform is integrated with over 22,000 financial institutions, enabling you to link multiple checking accounts.

Wire Transfer Via Digital Wallets

Businesses and individuals can make payments through the platform’s digital wallets. Users can instantly open digital wallets and fund them via ACH or wire transfer. For example, your business wants to pay vendors internationally through the wallet, but they want to receive payment as a wire transfer. Through the software, you can make wallet transactions for multiple vendors via different payment options. If you need to make an urgent payment internationally, you can instantly access funds and transfer them without any hassles via a digital wallet.

Requirements for International Wire Transfer

Valid Identification Documents: In order to initiate an international wire transfer, both the sender and recipient will need valid identification documents like government-issued IDs.

Bank Account Details: The sender will also need to provide their bank account details along with the recipient's bank account details including the name of their bank, SWIFT code (or BIC), IBAN number (if applicable), and account number.

Purpose of Transfer: When completing an international wire transfer, you will need to specify the purpose of the transaction—whether it is for personal reasons or business purposes.

Adequate Funds: It goes without saying that you must have sufficient funds in your checking account before initiating an international wire transfer. Insufficient balance may result in additional fees or delays in processing your transfer.

Payroll for International Employees

Are your employees working remotely from foreign countries? Do you want to make payroll without trouble? OnlineCheckWriter.com - Powered by Zil Money can help you. Businesses can integrate their payroll software with the platform and pay employees via international wire transfers. By eliminating the need for manual data entry, the integration lowers errors and saves time. Users can ensure that employees are paid on time without any delays even if it is an international transaction. The platform allows you to make unlimited international transactions without limits and pay employees simultaneously without errors.

Conclusion

OnlineCheckWriter.com – Powered by Zil Money, offers a quick and secure solution for handling international wire transfers. Small businesses can pay vendors, employees, or handle large transactions via the platform. Users can utilize multiple options, from online checking accounts to credit cards and digital wallets, with no hidden fees. The payroll integration feature and easy access to funds make the platform a key to manage global transactions with confidence.

[qayyumqayyum]

Bulk Payment

Bulk Payment feature is a functional instrument that empowers users to process many transactions simultaneously.

[buyandsendpaperchecks]

What You Should Know About Print-On-Demand and Bulk Check Printing and Mailing

The best way to ensure your physical products look and feel just like you’ve imagined is by ordering samples. Some print-on-demand companies provide this service for free or at a discount, making it easy to get a sense of how your items will look and feel in the hands of your customers. Samples are also handy for product photos and social media posts that can help boost your brand.

When choosing a print-on-demand company, you’ll want to consider how much their fees will impact your profit margins. A higher product and shipping cost may mean you make less per sale, which can be a problem for some businesses. Choose a company that offers low product and shipping fees and that can give you the flexibility to grow your business.

Online check printing and mailing solutions streamline the process and make it easier for small businesses to manage their bills. Whether you have suppliers to pay, utility or rental costs to cover, or employees or freelancers to compensate, these services can take the hassle out of processing checks. They’re especially helpful for e-commerce merchants who sell digital products and don’t have to keep a stock of physical products in their warehouses.

The cost of printing and mailing paper checks can add up. There are several areas that go into the cost, including production, filing and mail preparation, oversight, and checking reconciliation. However, the most significant part of the cost is the labor required to create a paper check. A quality online check printing service can reduce these costs by enabling you to send high-security paper and eChecks directly from your desktop with just a few clicks.

SITES WE SUPPORT

Buy & Send Paper Checks – Wix

[harshitkryptova]

What is E-Check Payment?

E-Check payment is actually the electronic payment. Here the client makes the net payment through eCheck and the sender accepts payment inside 3–5 business days. automatic financial organization is accountable to method the echeck transactions on-line. consumers method the payment through electronic delivery system and also the buyer’s checking account information is employed to require the payment from the savings account. It’s one among the renowned modes of payments in conjunction with group action through credit cards and debit cards.

An eCheck may be a reasonably electronic funds transfer that depends on the ACH network to complete payments. cash is subtracted from the payer’s checking or saving account, transmitted over the ACH network, and accumulated to the recipient’s bank account. The eCheck (or electronic check) may be a progressive version of the ancient paper check and makes electronic payments additional helpful. Paper checks may also be remodelled into eChecks by businesses and accepted and processed electronically. This makes for an easier and faster method for the business owner.

In short, eChecks are a bit like paper checks, except

1) They’re not written on paper, they will be recognized over the phone, through the web, or by fax, and

2) Business homeowners need to open an associate account with an associated eCheck processor so as to simply accept eChecks.

The key distinction between eChecks and ACH

Even though they’re nearly identical, eChecks and ACH represent completely different data flows, similarly because of the legitimacies that encircle them. The biggest distinction is that the party that holds the payment data and transmits the payments. For different ACH processes, it’s ordinarily controlled by specific entities that use the banking knowledge that you just submit. the danger management of ACH compared to eChecks additionally differs.

Accepting eChecks in your business

To start accepting eChecks, a business entity needs to open an account with an associate degree eCheck processor. So, additionally to being capable of receiving checks over the phone and on-line, receiving eChecks additionally sometimes hurries up the time interval for such transactions, permits a business owner to trace funds in real time, and you don’t have to attend the bank to deposit paper checks. Electronic checks, processed through the ACH network, area unit one amongst the foremost reliable ways of payment around and area unit supported by banking establishments and therefore the U.S Treasury.

The additional approaches your purchasers pay you, the more cash you create. ACH electronic checks square measure the foremost prevailing different payment methodology for Americans. associate ACH account offers your customers associate applicable thanks to pay you thru a checking account instead of applying a card.

• Minimal Rates. ACH electronic check process rates square measure appreciably lesser than card merchandiser accounts.

• Quick Approvals. Get additional orders quicker. Focus on hurrying up in promoting your product.

• High Volume ACH Accounts. Get the electronic check process capability you need to with success grow your business.

• ACH Echeck Authentication. Keep yields low and lower ACH process expenses.

• Ecommerce. settle for checks on-line. Addition of ACH echecks to your checkout page can boost your sales.

• Accept Checks by Phone & Mail. Unlimited virtual terminals for quick process of phone & mail orders (MOTO) square measure a customary part with all ACH accounts.

• Bulk process. transfer giant ACH echeck payment files for quick process.

• Recurring asking. ACH echecks square measure superior to cards for continual payments.

• Cloud news. strong news in multiple formats. Quickly track all transactions. Management of ACH echeck payments may be a breeze.

If you are looking for a Merchant Account to accept Cryptocurrency/Card Payments, it’s well worth opening an account with a crypto payment gateway website. It will make the process much easier if you want to add that option to your transactions. Book your demo today on Kryptova.

[offshoregateways]

How eCheck payment Processing works with Guide?

"Electronic check (eCheck) payment processing" is a method of transferring funds electronically from one bank account to another, using the Automated Clearing House (ACH) network. Here's a "step-by-step guide on how eCheck payment processing" typically works:

Authorization: The payer (customer) initiates an eCheck payment either online or through a point-of-sale system by providing their bank account details (account number and routing number), along with the payment amount and any other required information.

Verification: The provided bank account information is verified for accuracy and validity. This can involve validating the routing number to ensure it corresponds to a legitimate financial institution and checking the account number format.

Authorization and Consent: The payer authorizes the transaction by agreeing to the terms and conditions set by the payee (merchant or service provider). This authorization may be in the form of an electronic signature or a checkbox indicating consent.

Initiation of Transaction: The payee submits the eCheck transaction details, including the payer's bank account information and the payment amount, to their payment processor or bank.

Transmission to ACH Network: The payment processor or bank forwards the transaction details to the ACH network, which acts as a central clearinghouse for electronic payments in the United States.

Clearing and Settlement: The ACH network processes the eCheck transaction by debiting the payer's bank account and crediting the payee's bank account. This process typically takes 1-2 business days to complete.

Notification of Transaction Status: Both the payer and the payee receive notifications of the transaction status. This may include confirmation of successful payment or notification of any issues, such as insufficient funds or account discrepancies.

Funds Availability: Once the transaction has cleared and settled, the payee can access the funds in their bank account. The availability of funds may vary depending on the policies of the payee's bank.

Record Keeping: Both the payer and the payee maintain records of the eCheck transaction for accounting and reconciliation purposes. This includes details such as transaction date, amount, payer information, and payment reference.

Security Measures: Throughout the eCheck payment process, various security measures are in place to protect sensitive information and prevent fraudulent activity. These measures may include encryption of data, multi-factor authentication, and fraud detection algorithms.

Overall, eCheck payment processing offers a convenient and cost-effective way for businesses to accept payments electronically while providing customers with a familiar and secure payment option.

[emerchantpro]

As the broader means to provide business with versatile and effective payment transactions, eChecks are used. Due to their higher speed and reliability, eChecks are involved with the company. This payment method is commonly used by retailers in Europe and the USA as it has been able to efficiently quench the industry's needs. Electronic checks are an improved form of conventional checks, since they are electronic checks, ensuring that payment is moved from one financial institution to another financial institution in no time. E-checks are known as the quickest form of payment that is very effective in handling the bulk of payment transactions. To know more mail us at - onboarding@emerchantpro.com

[fathimaaaaaa]

Role of Check Printing In Enhancing Financial Efficiency 

Both people and organizations are continuously looking for methods to improve their financial procedures and simplify their operations. As the check company cannot provide instant checks, the importance of the check printing software in this optimization process is frequently necessary. These specialist organizations, which provide a variety of services and solutions tailored to satisfy the various demands of their clients, are essential in enabling safe and effective financial transactions. 

Payment Processing Expertise in Financial Deals 

Check printing software are experts in payment processing, providing knowledge and solutions that are customized to meet each client's specific needs. The software is essential to maintaining the efficient operation of financial transactions since they offer fraud protection services, process payments electronically, and issue checks. Strong security measures are essential considering the increase in digital transactions and cyber threats. To provide their clients with confidence, the printing software use the most advanced security technology and procedures to reduce the risk of fraud and guarantee the integrity of payment transactions. 

Services Given by Check Printing Software 

Check printing is one of the main services provided by the software. The software save customers time and money by handling the printing and distribution process with accuracy and efficiency, whether they are producing commercial checks, personal checks, or custom-designed checks. They provide electronic payment options, including wire transfers, ACH transfers, and eChecks in addition to traditional paper checks. These digital payment options assist organizations in speeding up their payment procedures by offering a quicker and more practical substitute for conventional paper-based transactions. Check printing software provides protection against fraudulent activity and unlawful transactions by utilizing sophisticated fraud protection methods and technology. These solutions shield customers from monetary losses and harm to their reputations through real-time transaction monitoring, encryption, and authentication procedures. 

Automation and Check Printing in Advanced Realm 

At the core of the digital transformation of checks is automation. Businesses can print checks in bulk and automate manual tasks like signing checks and adding payee information by using automated check printing systems, which simplify the check-issuing process. By doing this, the possibility of human mistakes is reduced, while productivity is also increased. Additionally, the printing software can effortlessly match issued checks with matching transactions because of automated reconciliation solutions, which makes record-keeping and financial reporting easier. Organizations can enhance the accuracy, effectiveness, and control over their check payment procedures by utilizing automation. 

Ensuring Protection and Compliance 

Businesses' top priorities in an increasingly digital environment are security and compliance. Numerous security safeguards made possible by digitalization protect checks from fraud and illegal access. Robust security procedures are employed by digital check processing systems to safeguard sensitive financial information, including multi-factor authentication and encrypted data transfer. Moreover, digital checks can be fitted with features like audit trails and digital signatures, which let businesses monitor a check's whole lifespan from issuance to clearance. This guarantees conformity to the legal specifications controlling check payments while also improving transparency. 

Conclusion 

Check printing software is essential to improving financial efficiency since they provide specialized services that are suited to a wide range of customer demands. These software simplify operations while maintaining security and compliance, offering services including check printing, fraud protection, and payment processing expertise. By utilizing automation and advanced digital technology, they enable smooth record-keeping and speedier, more accurate transactions. The software lets consumers and organizations traverse the changing financial environment with comfort and confidence by following regulatory requirements and implementing strong security measures. This, in turn, promotes efficiency and trust in the financial transaction sector. 

[sdes1234]

Data Processing Services: End to End Data Processing Solution and Support

Data process is the meticulous process that involves with gathering raw data from various resources and filters it with meaningful information and transforms it in a digital format. Our professional team applies the data processing with variety of techniques and tools. In today’s era, every organization needs to boost up there business in a expedite way and fast decision making. Rising staff salaries, overheads and other burdens of the company, to overcome on these factors, you need outsourcing data processing service to India to get endless benefits of these services.

           We deliver data processing services in accurate and cost effective way within turn around time that becomes one of our core strength. Our data processing services include,

·         Claim Processing Services

We provide claim processing services in easiest way that requires less manpower and get rid of the monotonous paper work. Our claim process services such as health care claim processing and insurance claim processing.  

 ·         Rebate Processing Services

Any E-commerce industry needs rebate processing service if wants to grow in faster pace in trading. It is also called “cash back” system in today’s digital world. Rebate processing includes claim validation, order processing, cashback processing etc.

 ·         Invoice Processing Services

To eradicate the backlog of work and time consuming process, outsource invoice processing is the main task in today’s digital world. Invoice processing includes document scanning and indexing, Bitmap index, Sparse index and Reverse index.

 ·         Legal Data Processing Services

We offer legal processing outsourcing services to the potential clients who need efficient and cost effective legal process service. Legal processing services include Drafting and preparation of briefs and pleading, Document review, Legal search, Notarial services, Apostille services, Drafting of agreements and declaration, Trademark and copyright service etc.

 ·         Resume Formatting Services

If you are a job seeker, it is difficult to get a job when your resume is not in a proper layout. It requires Resume formatting services for any individual and recruitment agencies in getting suitable job. Our resume formatting services include design and restructure of resume, visual formatting, alignment, standard font styles and sizes, editing and proofreading etc.

 ·         Survey Forms Processing Services

Most of companies require survey form data entry services to know the customer needs and generate the production as per customers’ demand to satisfy their requirements that can help them to enhance the business. Survey forms include Patient survey, event survey, political survey, tenant survey, health survey, customer information survey form etc.

 ·         Check Processing Services

If you are transact with numerous checks on daily basis, human error can be possible. To avoid such act we offer check processing service. It includes Check data entry, Check scanning, Check verification, Check transaction verification, Collect recurring payments, eCheck processing, Redeposit bounced Check, Manuel Check processing etc.

·         Word Processing Services

Some documents are very important for the companies such as manuals, survey forms, company reports, presentations, resumes, financial reports and product manuals. It needs proper formatting such as in word, excel or in pdf format. Our word processing services include Desktop publishing, Text editing and formatting, page layout, Tables and figures, mail merging, file compilation, captions and header footer etc.

We help our clients to manage information in more efficient and proper way so that can be enabled to make strategic and critical decisions. We are experts when it comes to data processing services even if the client provides work in a bulk form. We are time conscious and have enough man power to handle any weight or size of project you assign to us. We provide our services as an international standard way. We pay attention to every need of our clients and make projects as per their needs. We deliver eminent services of data processing services at competitive rates that comes under your budget-friendly proposal. Our team is dedicated on the project once they received and ensure that the project is running on track and will be completed in given time limit. We are flexible and friendly with our customers.

Our team use data processing methods in a proper way to prepare the data for analysis and storage. The first step they do Organize and indexing the data from multiple sources that provides accuracy in data. After that they do Data sorting. In this step they do arrange information into meaningful representation. The final step of our team is Data storage. After meticulous data processing services, an organized information stores into a single database or format as per company requirement. Also our process method includes aggregation, accurate summarization, data classification and data analysis interpretation.

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Our outsourcing service is proved as a game changer for small and medium enterprises as well as for large firms too. To build a long-lasting relationship with us email at info@shridataentryservices.com to outsource data processing services requirements in India.

[trendingnewsb]

25 ways to save $250 a month that everyone is messing up

Image: Faberr Ink/shutterstock

When it comes to saving money, not every way is the right way. A lot of it depends on your lifestyle and the goals that youve established.

At the same time, there are plenty of mistakes we typically make when it comes to saving like the 25 ways listed below.

1. Not monitoring your budget

When it comes to saving some cash each month, nothing beats a budget. Heres the problem. You base your budget on your fixed expenses like rent, insurance, and utilities. But, what about those unexpected or variable expenses like a trip to the dentist, replacement of your broken iPhone, heat during colder months, the invitation to go on a last-minute weekend vacation, or gifts for birthdays or holidays?

If youve created a budget based on only your fixed month-to-month expenses, then its going to be a lot harder to save accordingly. Instead of saving money each month, youll actually be eating into your savings.

To successfully budget, you have to pay attention to trends and then reshuffle as needed. This way, youll have enough money to cover those unexpected or variable expenses without dipping into your savings. Remember, budgeting is a process. Dont expect to create a budget based on solely on one month. Track your spending over the course of a couple of months so that you can paint a more accurate picture.

2. Spending too much time on being frugal

Another way to save money each month is by being frugal. But, if youre spending more time on monitoring your budget, clipping coupons, or scouring the Internet for the best deal instead of enjoying your life, then its time to reevaluate the situation.

The purpose of saving is so that you have the money to take that family trip, make home improvements, or invest in new business. That doesnt mean that you eliminate the important things in life, such as spending time with your family, just for the sake of saving. By all means, be frugal but not when its consuming too much of your life.

3. Loyalty

When you think about saving money, you most likely think about reducing expenses like going out to dinner less often. But, when was the last time that you compared the rates and deals of your bank, insurance company, the Internet or cell phone provider? Theres a good chance that there are better options available. Switching your cell phone provider, for example, may not save you $250 alone per month, but you may find a plan thats $25 cheaper per month. Add that to your other saving methods and youll be on track to that $250 goal rather easily.

4. Youre uncomfortable

Being frugal doesnt mean that you have to sacrifice the things that you actually need or enjoy occasionally. It means that youre more cognizant of your spending so that you can make better financial decisions. It doesnt mean that you have to be uncomfortable and miserable by missing out on the things that you enjoy or need like that new mattress to replace your uncomfortable and torn-up mattress.

5. Buying on sale just because its on sale

Weve all been guilty of this. We purchase items just because theyre on sale. But, do you really need that new pair of jeans just because theyre 15% off? Instead of spending your money on the things that you dont need just because theyre sale, make a note of the what you do need and then wait for them to go on sale.If youre like most people, this adds up to be over $250 a month.

6. Cooking at home

Make no mistake about it. Cooking at home is definitely more affordable than eating out every night. But, what about the times that you want to make something that calls for ingredients that youll rarely use. Take Paella, for example. While its delicious, theres a chance that the saffron you purchased is going to go to waste.

When grocery shopping, try to think of meals that use similar ingredients so that nothing is going to waste. Another option would be to join something like Blue Apron or Sun Basket since they provide the right amount of ingredients needed for each recipe. Best of all? Plans start at around $10 per serving.

7. You cant let go

Do you have a house full of stuff that you never use but hold onto them because you might need that snow blower even though you live in Florida? Its time to let some of that clutter go. While I understand that you dont want to buy something if you already have it, take stock of the things that you know youll need.

If you keep accumulating stuff, youll potentially run into a situation where you need to rent storage space because you no longer have space in your home to store it. How is that going to help you save money each month?

8. Buying coupons youll never use

There are some incredible deals on Groupon or LivingSocial. But, are you really going to take that yoga class or eat at that new Italian restaurant outside of town before the voucher expires? If so, then purchase the voucher, but if youre uncertain, then skip the deal.

9. You jeopardize your safety

I dont enjoy throwing away food. However, Im not going to put myself or my family at risk by cooking dinner using expired ingredients. If something is bad, its better to chuck it then risk getting a bad case of food poisoning.

10. Signing up for a new credit card just for the rewards

In some instances, credit cards have perks like rewards, cashback on purchases, and 0% percent APR for balance transfers that make them worth considering. Before applying for that new card, review all of the fine print. This applies to businesses as well. The cost of annual fees and high-interest rates may not be worth those perks.

11. Cutting out all activities and socializing

One of the most expensive expenses youll incur is socializing and participating in activities. Instead of becoming a hermit and isolating yourself from your friends or family, make an exception here and there. If you go out for drinks or attend a concert on Friday night, then stay home on Saturday night. Youre still socializing, but youre also being responsible with your money.

12. You never indulge

Just like with socializing, its alright to indulge now and then. It can be used as a reward or help you experience new things. So, if youve brewed your own coffee at home all week, go ahead and stop by Starbucks on Friday morning. You earned it!

13. Youve taken DIY too far

Thanks to Pinterest and YouTube, weve been tricked into thinking that we can do anything from building furniture to repairing our cars. The problem is that this can lead us to potentially do more harm than good.

For example, changing the oil in your car may sound like a good idea, but by the time that you purchase the oil and filters, it may cost you more money than going to a mechanic. Even worse, if youve never changed the oil in your car and make a mistake youll now have an additional expense: paying a mechanic to repair the damage that youve done.

14. Cord-cutting

One of the most popular trends when it comes to saving money is through cord-cutting. The thing is its not for everyone. If you enjoy watching local sports or shows like Game of Thrones, you may end up paying more money each month since youre still paying for Internet service, a local TV package, and a premium channel subscription. Unless youre not a TV-watcher, cord-cutting may not be your best option.

15. Not calculating your retirement

Saving for your retirement is never a bad idea. Going into it blindly is, however. You wouldn’t purchase a car or home without knowing how much its going to cost you, right? In order to plan and save for your retirement, you need to first calculate how much youre going to need to set aside each month. NerdWallet has a handy retirement calculator that can help you get started on the right path.

16. Putting money into modest growth plans

One of the biggest mistakes that even the savviest savers make is putting money into modest growth plans, such as low APR savings accounts, CDs, bonds, mutual funds, or simple 401(k)s. Thanks to Fintech, your bank or financial adviser will be able to send you personalized investment recommendations so that you can get the most bang for your buck.

17. Not harnessing the power of Fintech

Speaking of Fintech, financial institutions are using this technology so that you can also automate investing and savings by adjusting your budget and notifying you of any changes in your accounts. You can receive customized financial advice through chatbots to make more informed financial decisions.

18. Avoiding cash

Theres a belief that if you have cash on-hand youll be tempted to spend it. The thing is if you only have $45 in your pocket, you cant spend more than that. However, if youre carrying plastic or a digital wallet downloaded onto your phone, you may be tempted to spend money on stuff that you dont really need. In the end, cash may be the better option to keep you financially disciplined.

19. Not automating your savings

Dedicating a percentage of your paycheck to your savings is a given. However, what happens when you place that echeck into your bank account? After your expenses have been paid, you may be tempted to spend that excess cash. To prevent that from happening, you should automate your savings where a small percentage of your paycheck is withdrawn and transferred to your savings account. This way, youre not spending that excess money since its already been placed into your savings account.

20. Buying cheap, not value

You may think that in order to save $250 a month you have to buy products or service that are the cheapest. Just remember, you get what you pay for. For example, if you need a new pair of sneakers and purchase a pair from a local dollar store, theyre probably not going to last as long as a quality pair of sneakers. Sure, spending over a hundred bucks on a pair of shoes may seem like a tough pill to swallow, but theyre more likely to last you several years.In other words, always go value over price. It will be worth it in the long-run.

21. Buying in bulk

Buying in bulk can be a smart move when it comes to items that you use frequently and wont spoil. For instance, household items like toothbrushes, toilet paper, or light bulbs are cheaper when bought in bulk. Food items are a different story. In fact, food waste costs between $1,365 to $2,275 per year for the average American household.When it comes to perishable items like food, buying bulk isnt always the most cost effective solution.

22. Linking your checking and savings accounts

Gone are the days having only one bank account. Today, there is a wide range of ebanking options for your specific needs. For example, you could use one bank for your main checking account because you arent charged any maintenance or minimum balance fees. However, there could be another bank that has a higher interest rate on saving accounts. By separating these two accounts youre not only avoiding fees and getting a better return, but youre also preventing the chances of spending the money that you’ve set aside for that emergency fund or savings plan.

23. Assuming theres a quick fix

When you start saving you first look at reducing your spending. Chances are that reducing your trips to Starbucks or changing your cell phone plan arent enough to add up to $250 in savings each month. After that, you make another cut, then another, and then another until you’ve reached your goal.

The point is when it comes to saving, there aren’t just one or two quick fixes. Its a process that takes time.

24. Focusing on saving while considering how to also make more money

Income is arguably the most important factor when it comes to saving. If youre living paycheck-to-paycheck, then how can you put aside a couple hundred of dollars each month? Reducing the amount of money that you spend each month is only part of the solution. The other part is having additional income that can be placed into your savings account.

Thankfully, there are hundreds of ways for you to make some extra cash on the side even if you have a full-time job. Here and there, working some evenings or weekends can help you easily hit that extra $250 per month and maybe even more!

25. Saving solely for needs

Most financial advisers suggest that you save for needs like a new car, health emergency, or college education. While thats sound advice, when you only save for your needs, you tend to get frustrated and resentful of the entire saving process.Instead, set aside some of your savings for something fun, such as a dream vacation or new TV. You earned that money, so make sure that you enjoy from time-to-time and reward yourself for becoming more fiscally responsible.

John Rampton is serial entrepreneur who now focuses on helping people to build amazing products and services that scale. He is founder of the online payments company Due. He was recently named #2 on Top 50 Online Influencers in the World by Entrepreneur Magazine. Time Magazine recognized John as a motivational speaker that helps people find a “Sense of Meaning” in their lives. He currently advises several companies in the bay area.

John Rampton

Read more: http://ift.tt/2q02HDi

from Viral News HQ http://ift.tt/2p1NjXB via Viral News HQ

[completehospitalitymanagement1]

Helping Others Feel Like Home Away From Home

You may have a spare room or empty apartment, you may be a very friendly, hospitable and easy-going person, who wants to meet new people, or you may just want to generate additional income. These are the main reasons, why people decide to become hosts and rent out their property on various booking websites.

For those who only start to break new ground in the hospitality field, we will try to provide an overview of the most popular and reliable booking websites to list your property on. It may interest even experienced hosts. Ok, let’s start.

Three pillars of peer-to-peer rentals or private accommodations are the Homeaway family, the Tripadvisor family and Airbnb. Together they account for roughly 70% of all vacation rental traffic. It means that 7 out of 10 people searching for vacation rentals on e.g. Google, will most likely land on one of these 3 vacation rental websites families and most likely book through one of them as well.

The Homeaway’s network consists of 25 websites with over 1 mln properties in 190 countries, and the most successful among them are Homeaway, VRBO, and VacationRentals.com, the most traffic of which comes from the USA and Canada. The procedure of listing your property on these websites is the same: you sign up, create a listing, and upload photos of your property. But along with this you must choose a pricing option. The Homeaway family offers two such options: annual subscription and pay-per-booking option. An annual subscription allows you to list a property for a full year and pay one set price for unlimited bookings: $399 for listings that have Online Booking activated, and $549 for listings that don’t have this feature. With this variant, your listing will be visible on their 25 top international sites at no extra cost. Instead of paying for annual subscription, you can choose to pay nothing upfront and a minimum of 8% on each booking. This option is ideal for properties with short booking seasons or that are only available for special events. Payment on these sites is convenient and secure: they have their own payment system HomeAway Payments, allowing to accept most major credit cards and all eChecks directly from the dashboard.

The second large group of booking sites is the TripAdvisor family, with complete exposure to over 340 million travellers per month. TripAdvisor is known all over the world as one of the most trusted brands in travel, standing out for its unique review policy. So a strong review profile with them can add some serious credibility to your business.

In total, the TripAdvisor family offers distribution to five separate, most predominant channels: Tripadvisor, Flipkey (most popular in North America), HolidayLettings (most popular in Europe and the United Kingdom), Housetrip (Europe), and Niumba (Spain). It’s free to publish listings, they deduct just 3% from the guest’s payment. Don’t forget about it while setting the price. If you have more that 5 properties, you can have with TripAdvisor websites a manager account, which will give you access to a better quality of customer service, connectability with property management software, and two other payment options: beyond the regular free-to-list (3%) option you will have a pay-per-lead option, and a fixed fee per listing option (which can vary in price depending on the size of your inventory) – whatever best fits your business.

Now we are coming to the third pillar. Founded in 2008 and based in San Francisco, Airbnb is undisputedly the fastest growing vacation rental website in the world today. It’s 100% free to list your property and advertise with them, and your properties will be distributed to ALL of their international domains – that’s access to 88 to 120 million travellers per month! Airbnb’s listing service works on a commission pay-per-booking model, charging a simple transaction fee of just 3% per booking. It also offers a pretty good protection plan with their Host Guarantee. They offer coverage of up to $1,000,000 in the rare event your property is damaged by a guest, which also happens to be one of the highest policies in the industry right now. Another great thing about Airbnb is their transparent review system, which allows you to know more about the person renting your properties. Not only hosts are reviewed for their properties, but travellers are also reviewed by their hosts.

Now let’s switch from real rental giants to others separate sites. 9flats is one of the most popular vacation rental websites among European travellers with the bulk of its traffic coming from Germany. Listing with 9flats is free, though you have to pay the 15% commission per booking (for instant bookable places the commission is just 12%). They also offer a pretty good protection plan with 9Flats.Insurance program (in partnership with Zurich Insurance). It covers up to €500,000 in the rare event your property is damaged by a guest, which a pretty solid policy in comparison to what other channels are offering. In general, it has much in common with Airbnb, for example.

One more popular in Europe rental platform is Wimdu. It has more than 350,000 properties in more than 150 countries, and is available in 15 languages, including English, French, German, Portuguese, and Spanish. Listing here is also free, they don’t even charge a small commission. Instead, they charge travellers a processing fee so it costs you absolutely nothing to list with them. Be sure, the price which you have set for your property is what you will receive when you have had a booking. An extremely good variant for those, who wants to try out.

Founded in 2009, Roomorama is a short-term and vacation rental platform that offers over 80,000 vacation rentals worldwide. It won’t cost you thing to list your property. There are zero processing fees and no commissions. Instead, a traveller shall pay a booking fee. Basic principles are actually the same, as of other popular rental portals; however, there are some special features. ShoutOuts is designed for guests who are looking for accommodations within a specific city or destination. When they post a ShoutOut, a notification email will be sent to all active hosts based on the requested city. Hosts can also access the ShoutOuts page to search for guests who might be interested in booking their property. Moreover, hosts can offer the guest an alternative property if the current one is unavailable and organize their property listings by group. To use these features, you should have multiple listings.

All these services have many similar features: you can communicate with guests and respond to inquiries via inbox, text messages or even a special app, in most cases they offer almost the same terms and conditions, provide instant booking and secure payment methods, and as a rule, you receive money from guests only 24 hours after their check-in. But the most obvious common feature is that you receive income from offering your property. However, there is one service, completely different from the described above.

Have you ever heard of Couchsurfing? All accommodations here are offered for free, the main idea is sharing and cultural exchange. Opening your home to travellers (or friends you haven’t met yet, as they call them), you can learn about a new culture first-hand or practice a language. Initial registration is free of charge; however “verification”, which allows members to send unlimited messages, is available upon payment of an annual fee. There is also a review system, so you can always have a look at other members’ references. Today this service is extremely popular with students all over the world.

Of course, there are many other rental sites. More and more people search for an alternative to expensive and impersonal hotels, so there is a growing demand for private accommodations. But remember, the main thing is not the number of sites, where you list your property, but the quality of your listings and service.

  The post Helping Others Feel Like Home Away From Home appeared first on Complete Hospitality Management.

[trendingnewsb]

25 ways to save $250 a month that everyone is messing up

Image: Faberr Ink/shutterstock

When it comes to saving money, not every way is the right way. A lot of it depends on your lifestyle and the goals that youve established.

At the same time, there are plenty of mistakes we typically make when it comes to saving like the 25 ways listed below.

1. Not monitoring your budget

When it comes to saving some cash each month, nothing beats a budget. Heres the problem. You base your budget on your fixed expenses like rent, insurance, and utilities. But, what about those unexpected or variable expenses like a trip to the dentist, replacement of your broken iPhone, heat during colder months, the invitation to go on a last-minute weekend vacation, or gifts for birthdays or holidays?

If youve created a budget based on only your fixed month-to-month expenses, then its going to be a lot harder to save accordingly. Instead of saving money each month, youll actually be eating into your savings.

To successfully budget, you have to pay attention to trends and then reshuffle as needed. This way, youll have enough money to cover those unexpected or variable expenses without dipping into your savings. Remember, budgeting is a process. Dont expect to create a budget based on solely on one month. Track your spending over the course of a couple of months so that you can paint a more accurate picture.

2. Spending too much time on being frugal

Another way to save money each month is by being frugal. But, if youre spending more time on monitoring your budget, clipping coupons, or scouring the Internet for the best deal instead of enjoying your life, then its time to reevaluate the situation.

The purpose of saving is so that you have the money to take that family trip, make home improvements, or invest in new business. That doesnt mean that you eliminate the important things in life, such as spending time with your family, just for the sake of saving. By all means, be frugal but not when its consuming too much of your life.

3. Loyalty

When you think about saving money, you most likely think about reducing expenses like going out to dinner less often. But, when was the last time that you compared the rates and deals of your bank, insurance company, the Internet or cell phone provider? Theres a good chance that there are better options available. Switching your cell phone provider, for example, may not save you $250 alone per month, but you may find a plan thats $25 cheaper per month. Add that to your other saving methods and youll be on track to that $250 goal rather easily.

4. Youre uncomfortable

Being frugal doesnt mean that you have to sacrifice the things that you actually need or enjoy occasionally. It means that youre more cognizant of your spending so that you can make better financial decisions. It doesnt mean that you have to be uncomfortable and miserable by missing out on the things that you enjoy or need like that new mattress to replace your uncomfortable and torn-up mattress.

5. Buying on sale just because its on sale

Weve all been guilty of this. We purchase items just because theyre on sale. But, do you really need that new pair of jeans just because theyre 15% off? Instead of spending your money on the things that you dont need just because theyre sale, make a note of the what you do need and then wait for them to go on sale.If youre like most people, this adds up to be over $250 a month.

6. Cooking at home

Make no mistake about it. Cooking at home is definitely more affordable than eating out every night. But, what about the times that you want to make something that calls for ingredients that youll rarely use. Take Paella, for example. While its delicious, theres a chance that the saffron you purchased is going to go to waste.

When grocery shopping, try to think of meals that use similar ingredients so that nothing is going to waste. Another option would be to join something like Blue Apron or Sun Basket since they provide the right amount of ingredients needed for each recipe. Best of all? Plans start at around $10 per serving.

7. You cant let go

Do you have a house full of stuff that you never use but hold onto them because you might need that snow blower even though you live in Florida? Its time to let some of that clutter go. While I understand that you dont want to buy something if you already have it, take stock of the things that you know youll need.

If you keep accumulating stuff, youll potentially run into a situation where you need to rent storage space because you no longer have space in your home to store it. How is that going to help you save money each month?

8. Buying coupons youll never use

There are some incredible deals on Groupon or LivingSocial. But, are you really going to take that yoga class or eat at that new Italian restaurant outside of town before the voucher expires? If so, then purchase the voucher, but if youre uncertain, then skip the deal.

9. You jeopardize your safety

I dont enjoy throwing away food. However, Im not going to put myself or my family at risk by cooking dinner using expired ingredients. If something is bad, its better to chuck it then risk getting a bad case of food poisoning.

10. Signing up for a new credit card just for the rewards

In some instances, credit cards have perks like rewards, cashback on purchases, and 0% percent APR for balance transfers that make them worth considering. Before applying for that new card, review all of the fine print. This applies to businesses as well. The cost of annual fees and high-interest rates may not be worth those perks.

11. Cutting out all activities and socializing

One of the most expensive expenses youll incur is socializing and participating in activities. Instead of becoming a hermit and isolating yourself from your friends or family, make an exception here and there. If you go out for drinks or attend a concert on Friday night, then stay home on Saturday night. Youre still socializing, but youre also being responsible with your money.

12. You never indulge

Just like with socializing, its alright to indulge now and then. It can be used as a reward or help you experience new things. So, if youve brewed your own coffee at home all week, go ahead and stop by Starbucks on Friday morning. You earned it!

13. Youve taken DIY too far

Thanks to Pinterest and YouTube, weve been tricked into thinking that we can do anything from building furniture to repairing our cars. The problem is that this can lead us to potentially do more harm than good.

For example, changing the oil in your car may sound like a good idea, but by the time that you purchase the oil and filters, it may cost you more money than going to a mechanic. Even worse, if youve never changed the oil in your car and make a mistake youll now have an additional expense: paying a mechanic to repair the damage that youve done.

14. Cord-cutting

One of the most popular trends when it comes to saving money is through cord-cutting. The thing is its not for everyone. If you enjoy watching local sports or shows like Game of Thrones, you may end up paying more money each month since youre still paying for Internet service, a local TV package, and a premium channel subscription. Unless youre not a TV-watcher, cord-cutting may not be your best option.

15. Not calculating your retirement

Saving for your retirement is never a bad idea. Going into it blindly is, however. You wouldn’t purchase a car or home without knowing how much its going to cost you, right? In order to plan and save for your retirement, you need to first calculate how much youre going to need to set aside each month. NerdWallet has a handy retirement calculator that can help you get started on the right path.

16. Putting money into modest growth plans

One of the biggest mistakes that even the savviest savers make is putting money into modest growth plans, such as low APR savings accounts, CDs, bonds, mutual funds, or simple 401(k)s. Thanks to Fintech, your bank or financial adviser will be able to send you personalized investment recommendations so that you can get the most bang for your buck.

17. Not harnessing the power of Fintech

Speaking of Fintech, financial institutions are using this technology so that you can also automate investing and savings by adjusting your budget and notifying you of any changes in your accounts. You can receive customized financial advice through chatbots to make more informed financial decisions.

18. Avoiding cash

Theres a belief that if you have cash on-hand youll be tempted to spend it. The thing is if you only have $45 in your pocket, you cant spend more than that. However, if youre carrying plastic or a digital wallet downloaded onto your phone, you may be tempted to spend money on stuff that you dont really need. In the end, cash may be the better option to keep you financially disciplined.

19. Not automating your savings

Dedicating a percentage of your paycheck to your savings is a given. However, what happens when you place that echeck into your bank account? After your expenses have been paid, you may be tempted to spend that excess cash. To prevent that from happening, you should automate your savings where a small percentage of your paycheck is withdrawn and transferred to your savings account. This way, youre not spending that excess money since its already been placed into your savings account.

20. Buying cheap, not value

You may think that in order to save $250 a month you have to buy products or service that are the cheapest. Just remember, you get what you pay for. For example, if you need a new pair of sneakers and purchase a pair from a local dollar store, theyre probably not going to last as long as a quality pair of sneakers. Sure, spending over a hundred bucks on a pair of shoes may seem like a tough pill to swallow, but theyre more likely to last you several years.In other words, always go value over price. It will be worth it in the long-run.

21. Buying in bulk

Buying in bulk can be a smart move when it comes to items that you use frequently and wont spoil. For instance, household items like toothbrushes, toilet paper, or light bulbs are cheaper when bought in bulk. Food items are a different story. In fact, food waste costs between $1,365 to $2,275 per year for the average American household.When it comes to perishable items like food, buying bulk isnt always the most cost effective solution.

22. Linking your checking and savings accounts

Gone are the days having only one bank account. Today, there is a wide range of ebanking options for your specific needs. For example, you could use one bank for your main checking account because you arent charged any maintenance or minimum balance fees. However, there could be another bank that has a higher interest rate on saving accounts. By separating these two accounts youre not only avoiding fees and getting a better return, but youre also preventing the chances of spending the money that you’ve set aside for that emergency fund or savings plan.

23. Assuming theres a quick fix

When you start saving you first look at reducing your spending. Chances are that reducing your trips to Starbucks or changing your cell phone plan arent enough to add up to $250 in savings each month. After that, you make another cut, then another, and then another until you’ve reached your goal.

The point is when it comes to saving, there aren’t just one or two quick fixes. Its a process that takes time.

24. Focusing on saving while considering how to also make more money

Income is arguably the most important factor when it comes to saving. If youre living paycheck-to-paycheck, then how can you put aside a couple hundred of dollars each month? Reducing the amount of money that you spend each month is only part of the solution. The other part is having additional income that can be placed into your savings account.

Thankfully, there are hundreds of ways for you to make some extra cash on the side even if you have a full-time job. Here and there, working some evenings or weekends can help you easily hit that extra $250 per month and maybe even more!

25. Saving solely for needs

Most financial advisers suggest that you save for needs like a new car, health emergency, or college education. While thats sound advice, when you only save for your needs, you tend to get frustrated and resentful of the entire saving process.Instead, set aside some of your savings for something fun, such as a dream vacation or new TV. You earned that money, so make sure that you enjoy from time-to-time and reward yourself for becoming more fiscally responsible.

John Rampton is serial entrepreneur who now focuses on helping people to build amazing products and services that scale. He is founder of the online payments company Due. He was recently named #2 on Top 50 Online Influencers in the World by Entrepreneur Magazine. Time Magazine recognized John as a motivational speaker that helps people find a “Sense of Meaning” in their lives. He currently advises several companies in the bay area.

John Rampton

Read more: http://ift.tt/2q02HDi

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