#cost-savingtips

[clickslifestyle]

How to reduce bills costs

#Wealth #money #savings #savingtips #happy

If you are struggling with bills, here are some steps you can take to help alleviate your financial burden: 1. Cut back on unnecessary expenses: Review your monthly expenses and look for items you can cut back on, such as subscription services, cable TV packages, or eating out. 2. Negotiate with service providers: Contact your service providers (such as cable, internet, or phone companies) to…

[divamangal]

✨ #Money #Saving #Tips When #Buying a #Home ✨ Consider the following money-saving tips when buying a home: ⭐️If you plan to resell in the future, do not buy the biggest and/or most expensive home on the block. These homes usually appreciate the least and present the biggest challenge when attempting to find a seller. ⭐️The smallest and/or least expensive home on the block often appreciates the most. Inquire about property taxes, utility costs, and home-owners association fees. ⭐️Hire an inspector prior to purchasing a home. This will cost you hundreds, but might save you thousands. ⭐️Don’t make any large purchases (car, boat, etc.) or open a new credit card in the six months leading up to your home purchase. This might be seen as an increased risk to your lender. ⭐️When you bid for the home you want, base it on comps on a $/sq.ft basis. Use a specific number that will indicate to the seller that you did your homework in determining the value of the home. ✨Have you considered these costs? ✨ ⤵️Share your thoughts in the comments below⤵️ #vancouverrealtor #savingtips #besmart #worksmartnothard #investmentproperty #firsttimebuyers #vancouverbcremarket (at Greater Vancouver Area) https://www.instagram.com/p/Ck9tJiJJFyJ/?igshid=NGJjMDIxMWI=

[sixsigmapenang]

What is motion waste in business?🙋🏻‍♂️🙋‍♀️🙋 Never heard of it? Fine. Let me tell you about it...✌ Every distance that you walk or travel (aka motion waste) is money and time. This will impact business profit, productivity, and efficiency💰 Swift left and press play ▶️ to know 👇 ✅What is motion waste? ✅Why motion is not good for your business? ✅How motion waste is being generated? ...and so much more! 👉Have questions? Comment below! Follow @businesscoachchiong for more business improvement tips 🗄 Save this post  ✉️ Share this post ❤️ Like this post PS: Struggling to increase business profits and customer satisfaction? Sign up for the Value Stream Mapping (VSM) training to learn how to reduce business wastes and costs. 👉Tap the link in my bio NOW! #manufacturingindustry #manufacturingservices #americanmanufacturing #manufacturingexcellence #manufacturingsector #manufacturingplant #8wastes #organizationalchange #eliminatewaste #leanthinking #problemsolving #problemsolvingskills #leadershipdevelopment #businessgrowthstrategy #increaseprofits #operationalexcellence #processoptimization #businesswaste #savingtips #reducecosts #leanmanagement #leandevelopment #savetimeandmoney #leansystem #companyculture #culturechange #culturetransformation #processexcellence #leanoffice #changemanagement (at Alabama USA) https://www.instagram.com/p/CLg9Br_J8pl/?igshid=17fkb270ufmlb

[whycryovermoney]

WHAT HAS LOCKDOWN TAUGHT US ABOUT OUR MONEY HABITS? ⠀⠀ Over the last few months we have had to find a new normal in our lives including things like the way we work, socialize, shop.... but what has this done to our finances? ⠀⠀ I wanted to have a look to see....⠀⠀ ——————————-⠀⠀ 💅🏻 Luxury items - Don’t know about you but I’ve been doing these myself at home which is definitely a money saver!...I do need a beard cut though! ✂️ ⠀⠀ .⠀⠀ 🏋🏼‍♀️ Exercise is free - I workout a lot at home but this has become so easy over lockdown...saving on gym fees.⠀⠀ .⠀⠀ 🧮 Budgeting has become necessary - with a lot of our wages cut by 80%, or maybe more, cutting costs has become a way of life when before we might not have even thought about it...maybe some of these principles can continue?⠀⠀ .⠀⠀ 🛍 Browsing and impulse buying has stopped - with all the shops shut has buying stuff you don’t need become a realisation?⠀⠀ .⠀⠀ 🍔 We’ve all had to stop eating out - I’m not suggesting we never do this again but not doing it certainly shows how much is spent on it.⠀⠀ .⠀⠀ 💰 Is you emergency fund enough? - It’s been a true eye opener when your income stops as you know it!⠀⠀ .⠀⠀ I think it’s true that lockdown has made us appreciate what we do have.... friends, family, neighbours...these are true wealth. ⠀⠀ ———————————⠀⠀ Just thought I would look as some things lockdown might have made apparent but what have you found? ⠀⠀ Drop them in comments 👇🏻👇🏻👇🏻⠀⠀ Hope you’re keeping well at such a tough time.⠀⠀ .⠀⠀ Comment Like Share⠀⠀ .⠀⠀ #lockdown #lockdownlife #lockdownchallenge #lockdownlearning #lockdownworkout #emergencyfund ##emergencyfunds #ihaveenough #moneysaving #moneysavingtips #savingmoneyiscool #savemoney #savingpennies #savemoneytips #savemoneylivebetter #savingmoney #savingtips #savingsgoals #moneymaker #makethemostofyourmoney #savecash #savingsgoals #bestsaving #budget #budgeting #frugal #frugalliving #whycryovermoney #financialeducation https://www.instagram.com/p/CCtTWPkBKPy/?igshid=60lw0guva3g6

[trendinbuzz]

Everything You Want To Know About Visiting Kuala Lumpur

No visit to Malaysia is complete until you have spent some days and nights in the capital city of the country, i.e. Kuala Lumpur. It is a place that’s a mix of cultures like Indian, Chinese, Malay and western which further creates a combination of food, shopping and nightlife. Although the city is more expensive than other places in Malaysia, you will definitely love it and make sure you enjoy the delicious Indian food which is probably the best in the world, outside India itself. Here is a brief about everything that you must know while visiting Kuala Lumpur. Things to see and do in Kuala Lumpur Petronas Tower

The Petronas Tower is a towering figure at 451m height and easily dominates the skyline of the city. At levels 41 and 42, the towers are joined by a bridge and people can enjoy the view from the deck. You need to get your hands on the ticket as early as you can as there is limited number of entries.                                                                                                            Visit the butterfly park

With an enormous landscape garden, it is a home to over 5 thousand butterflies, ferns, plants and flowers. The Butterfly Park is a popular attraction to the tourists who to visit the place to see the insect museum as well. Explore the Islamic Arts Museum

The Islamic Arts Museum of Malaysia has an exhibition of over 7000 artefacts and has a huge collection of Islamic texts and art. The museum has the largest scale model of Masjid al-haram in Mecca. Visit Sri Maha Mariamman

Sri Maha Mariamman Hindu Temple is situated just at the edge of the Chinatown and was built way back in 1873. It is in fact the oldest temple in the country and most beautifully decorated as well. The gate towers depict the figures of Hindu Gods and are one of the most impressive features of the temple.  Get inside the Batu Caves

You need to climb 272 steps in order to see the huge golden statue of Murugan and the same is the entrance to the largest caves amongst the three. Enter the Cathedral Cave and be amazed by its 100m high ceiling and complex Hindu shrine. The admission to the cave is free. Typical Costs while touring Kuala Lumpur Price of the hostels – the cost of a dorm room is typically between 20-45 MYR. A private room in the same would up to 40-60 MYR per night though. The services of free breakfast and Wi-Fi are usually common along with the AC. You can check at Agoda for better rates. The price of a budget hotel – If you are looking for a budget hotel room with double bed, free breakfast and Wi-Fi, it would cost you around 55 MYR. A hotel with a pool service as well, you need to shell out at least 100 MYR. If you go for high-end brand name hotels, expect to pay at least 225 MYR per night. Get best deals on hotel at Hotels.com. Average cost of food – The cost of street food is usually under 10 MYR for a dish. Local food in the restaurants will cost somewhere in between 5-15 MYR and the cost keeps increasing as you increase the level of restaurants you visit. Transportation costs – The transportation service in Kuala Lumpur is world class and the buses start at just 1 MYR. The subway and monorail tickets cost between 2-35 MYR depending on the distance you are going to travel. If you are going to travel intercity, then a bus from Kuala Lumpur to Singapore will cost around 70 MYR while the flight for the same is somewhere about 200 MYR. Some important money saving tips Explore on foot –Places like Chinatown and Little India are in close vicinity to each other and is the place with most number of tourists. You can easily explore them in a day while exploring the same on foot without spending extra money.Watch out for scams – Be aware of the attractions that do not cost anything but there are always fraudsters around who could charge you for the same. Save money on rideshares – If you don’t want to wait for the buses, you can use Uber which is way cheaper than taxis and is probably the best way to go around. #KualaLumpur #KualaLumpurAttractions #Travel #PopularAtrractions #SavingTips Read the full article

[mayadgregory16]

Ten Tips to get Christmas sorted!

Money saving tips for Christmas from LoanPig.

We hate to say it but Christmas is coming! Even though it hardly seems five minutes since last Christmas, it’s already that time of year when the clocks are going back, the evenings are darker earlier, and the battle of the Christmas ads is about to begin.

Many of us dread Christmas. We don’t want to: we want to be swept along in the tide of Christmas cheer that seems to engulf all those around us. Which can make us feel very like Scrooge! The problem is money. How can we let go and enjoy ourselves when we are constantly worried about either not being able to pay for things or sliding deeper into debt?

So let’s take a deep breath and look at some ways that we can plan ahead for a Christmas that is heavenly but doesn’t cost the earth.

Here are our Ten Tips:

Decide now what you are doing

This is the first thing to get sorted. Within families Christmas can often lead to squabbles. For that reason we can tend to put off the awkward conversations and the decision-making until nearer the time. But this can lead to a lot of last-minute juggling and you are likely to spend more money if you are rushing around trying to sort out presents and hospitality for unexpected guests.

As well as family, perhaps rethink some of what you do when you meet up with friends. Many of us end up with a lot of different gatherings, and if these are all in pubs or restaurants it can get horribly expensive. So this year why not organise at least some of the get-togethers in people’s’ homes, with everyone contributing food and drink to the party. This will be cheaper than splashing out money you can’t really afford in pubs and restaurants – but just as much fun.

So get these kind of decisions made now so that you have time to plan accordingly and follow our remainingmoney savingtips. Then when Christmas does come round, you will be sorted and ready to have fun!

Plan your budget

The next big thing to do is make a budget. Many of us are scared to do this because it can be horrifying to see how much money you are really spending. But it is much better to face reality than end up in a complete financial mess in January, as it can then take you months to recover from this.

So make a list of absolutely everything that you think you will need to buy this Christmas: presents, cards, postage, decorations, food, drink, extra home supplies (bedding, towels etc) for guests, socialising, travel and anything else that you think you might need to spend. If in doubt, include it: better to over budget than not have enough.

You will then be able to see whether you have enough money to cover everything that you are currently planning to spend, or whether you need to follow some more of ourmoney savingtips below!

Stick to your budget

But before leaving the topic of budgets, make sure that once you have done your budget, you do stick to it! Budgets can look completely workable on paper, but it is all too easy to overspend and still end up in a mess without understanding why.

So you need to keep track of your budget carefully. Record details of everything you spend on Christmas, either in a notebook or on your computer or phone. You can then see if you are overspending on a particular area and then need to cut down on something else in your budget to keep within your spending limits.

Presents – reduce the number you give

We all love to give presents but there comes a time when you have to reconsider. Let’s be honest, there are people that get harder and harder to buy for each year, and their gifts to you are probably pretty predictable too. It is often a good idea to agree either to stop the presents or to do them in a different way. So for example if you have brothers and sisters with their own families then you could agree just to buy presents for the children from now on. For the adults perhaps you could either do a Secret Santa between you all, or each take turns to host a special event – an “unofficial Christmas” – during the year.

Presents – set an upper limit on price

Another consideration when buying presents, especially for children of family members, is to agree an upper price limit and then all be rigorous about sticking to it. This really helps with the budgeting and can even make it a fun challenge when you know you simply cannot spend more than what you have agreed. This is a great way tosave moneyand also avoid the embarrassment caused by exchanging gifts that have obviously cost very different amounts.

Presents – get the best deals

When buying presents it is so easy to get carried away and panic that your gift is not going to be good enough. So it can be really helpful to get back to basics. It’s the thought that counts, not the amount spent on it. If you are really trying to get your finances in order then be open-minded about where you get those presents. Once you have decided the kind of thing you want, then look for a really good deal – for example on an online sites such as eBay, in a charity shop or even inthe Black Friday sales in November. If you allow yourself plenty of time then you just might be able to pick up a real bargain.

Presents – be creative

One final thought on presents is that you can save a lot of money by being creative. Is there anything that you could make for gifts rather than buying what someone else has made? Whether you can sew or knit, make jewellery, paint pictures or bake cupcakes; there is a lot of potential for homemade gifts which are often appreciated way more than something off the shelf.

If you are really up against it financially then another idea is to offer your time instead of a gift. Simply think about what you are good at and could offer, and prepare a pretty home made voucher that commits you to provide this during the year. Whether it’s babysitting, dog walking, decorating, DIY, car maintenance or computer wizardry; giving someone a definite offer to do this can really be the best Christmas gift ever: the gift that goes on giving.

Cut down the cost of food

Let’s face it: we all eat far too much over Christmas. This means that we also spend too much money buying too much food, and create a lot of waste. Make this year different! It’s perfectly possible to have a wonderful Christmas with plenty to eat, but without spending a fortune.

A lot of overspending on food happens when we leave too much to the last minute then panic buy because we suddenly worry that there will not be enough food. So the key thing to do is to plan your menus carefully then just buy what you actually need.

So sit down with either some Christmas recipe books or the Internet, and plan what you are going to cook and when. Two ways to save money are firstly to try and plan dishes that use some of the same ingredients so that you can buy in bulk and save money that way. Secondly be realistic about your portion sizes. You want people to have enough but not to be left with mountains of waste. Check out websites such as Love Food, Hate Waste for guidance on portion sizes.

Once you have done your planning then start shopping. Start now! If you buy as much as you can in advance this will spread the cost and avoid last minute rushing around. It’s also a good idea to plan a time when you will do that last minute shopping so that you feel in control of it; why not put a date in the diary that you can work towards. Nearer that time check out the best supermarket deals for the things you want. Even if that means splitting your shopping between two or three different stores it will be worth it to get the best combination of money-saving deals around.

Cut down the cost of drink

Just as with food, most of us also spend far too much money on drink over Christmas. We feel obliged to have supplies of every kind of drink possible “just in case”. It is impossible for the average household to be as well-stocked as the local pub, so this year why not just make sure that you have a plentiful supply of the most popular drinks – eg beer, wine, cider and soft drinks – and if guests have other preferences then ask them to bring their own.

Most of us also drink far too much over the festive season so perhaps it’s time to embrace the concept of drink free days and have some days when you lay off the alcohol. Not only will this be cheaper but you will feel a lot better, and will enjoy a few drinks even more on those days when you are drinking.

Save more money for Christmas

Even if you follow all the above steps, Christmas can still be an expensive time. If you know that there will still be a shortfall in your Christmas budget then you still have time to rescue the situation.

One way is to try and find some extra work over the next few weeks. There are many seasonal opportunities in shops, bars and hotels that you may be able to fit in around existing commitments. Yes it will be tough, but it’s only for a few weeks. Or you could see if there are things you can do on an ad hoc basis such as babysitting, pet sitting, odd jobs etc.

It’s also a good time of year to have a good clear out of your home; to declutter before Christmas. This may reveal items that you no longer need, and can sell on eBay or perhaps have a car boot stall. There may be someone out there looking for the very thing that you are trying to get rid of.

Finally, you may want consider taking out a small loan to help you through Christmas. It is better to borrow money on a planned basis, with a clear timescale for paying it back, than end up drowning in uncontrolled credit card debt. At LoanPig we offer a range of short term loans that could be just what you are looking for. Loans that you can repay in affordable instalments over a time period that works with your budget. Click here to find out more about this possibility.

Whatever your plans for Christmas 2018, we hope that our Ten Tips help you to manage your money more effectively – andsave moneywherever possible – so that you can really enjoy Christmas this year.

Check back here soon for more money saving tips from LoanPig.

The post Ten Tips to get Christmas sorted! appeared first on LoanPig.

from LoanPig https://www.loanpig.co.uk/ten-tips-to-get-christmas-sorted/ from Loan Pig https://loanpig.tumblr.com/post/179211263382

[mymoneycomparison-com]

Compare Home Energy & Business Energy Prices Online & Save

How to Save Money on Gas & Electricity Finding the cheapest gas and electricity suppliers in your area is a great way to cut your costs and make your money go that little bit further? Here’s how to compare electricity prices to make sure you get a cheap energy deal.

Webmasters's insight:

Finding the Cheapest Energy prices in your area couldn't be easier! Just visit www.mymoneycomparison.com #SaveMoney #SavingTips 

[saverspender]

Never ever think a house is better than renting if you do not have the down payment and the means to keep it going.⁣ .⁣ Instead of making your situation “better” by being a homeowner, you will exponentially make it worse by having to now be your own landlord and cover in addition to your mortgage:⁣ .⁣ - Muncipal and School taxes (yes, you pay those!)⁣ - A year’s worth of sales taxes on the price of the home (I paid this in Québec to the tune of 15%!!)⁣ - Maintenance costs ⁣ - Any condo or HOA fees (I pay this)⁣ - Utilities!! .. I was used to utilities included in my rent⁣ .⁣ You may be saving on rent but your mortgage PLUS those yearly fees may end up biting off more than you could chew on a monthly basis and you will basically only have your home — no entertainment, renovations.. etc.⁣ .⁣ Then, what if your interest rates go up after 10 years from 3.5% to 5%? In Canada, the rates are not locked in for 30 years!⁣ .⁣ All things to consider before you buy a home.⁣ .⁣ .⁣ .⁣ #savespendsplurgemoney #debtfreejourney #debtfree #successful #savemoney #success #moneymaker #savingmoney #howtosavemoney #moneysavingtips #savemoneytips #debtfreejourneycanada #savemoneylivebetter #savingtips #savingmoney #richlife #wealth #succeed #savemoneytime #yourbestlife #savemoneytoday #savemoneysavelife #savemoneychallenge #debtfreecommunity #debtfreegoals #debtisdumb #debtfreeliving #debtfreedom #debtfreelife #debtfreecommunitycanada https://www.instagram.com/p/Bzg3ZDNgDHE/?igshid=wt5hka1q5r2c

[saverspender]

The old rule was 2X your gross income. ALL THE LOLS, amirite?⁣ .⁣ The average household income in Canada is $75,000. That means your house should cost no more than $150,000.⁣ .⁣ UNREALISTIC.⁣ .⁣ A new calculation is 5X your gross income, which would be $375,000. That is still not enough for some areas like Toronto, but there you have it.⁣ .⁣ Any more than that and you run the risk of not being able to live without being imprisoned by your home.⁣ .⁣ .⁣ .⁣ #savespendsplurgemoney #debtfreejourney #debtfree #successful #savemoney #success #moneymaker #savingmoney #howtosavemoney #moneysavingtips #savemoneytips #debtfreejourneycanada #savemoneylivebetter #savingtips #savingmoney #richlife #wealth #succeed #savemoneytime #yourbestlife #savemoneytoday #savemoneysavelife #savemoneychallenge #debtfreecommunity #debtfreegoals #debtisdumb #debtfreeliving #debtfreedom #debtfreelife #debtfreecommunitycanada https://www.instagram.com/p/BzmALuonUpS/?igshid=4pjlpy1i21w0

[saverspender]

Whenever you are about to embark on a new journey or life change via a purchase (new home, car, boat, etc comes to mind) consider the AFTER sales costs. . Will you now have to commute farther with this fancy new home? Have you considered the extra it will cost in gas? Transit time? Insurance? . Or even if you pay for renovations — will you feel the need to upgrade the rest of your home? New appliances? Curtains? . Every purchase could potentially cost you more in maintenance and upkeep later. Consider the TOTAL cost of what you want before you pull the trigger. . . . . #moneyteam #debtfreejourney #debtfree #successful #savemoney #success #moneymaker #savingmoney #howtosavemoney #moneysavingtips #savemoneytips #debtfreejourneyuk #savemoneylivebetter #savingtips #savingmoney #richlife #wealth #succeed #savemoneytime #yourbestlife #savemoneytoday #savemoneysavelife #savemoneychallenge #debtfreecommunity #debtfreegoals #debtisdumb #debtfreeliving #debtfreedom #debtfreelife #debtfreecommunitycanada https://www.instagram.com/p/BxpuGP_pMdT/?igshid=1f5xs16rjyvec