Ways to Act Now in Order to Save Later

If you act now, you can save money later, and who doesn’t love the idea of saving money? It’s something we don’t really think about because we tend to take a short term approach to money and finances, but that’s often the wrong way to go about things. Instead, you should think about how best to save money over the next 5, 10 or 25 years.

 

There are many ways to do it. Some involve spending a little money now in order to save later, and other ideas allow you to start spending less both now and in the future ahead of you. Find out more about these ideas below.

 

Stop Drinking Bottled Water

 

If you’re someone who is still drinking bottled water each day, you should think again about that decision. Does it really make sense for you to be drinking bottled water when you could be drinking tap water instead? Not only is this better for your bank balance but it’s better for the environment as well. If you hate the taste of your tap water, simply buy a filter and it’ll taste the same as the bottled water you spend so much money on.

 

Spend Money to Make Your Home More Energy Efficient

 

Your home is the thing you probably spend the most money on. From bills to the mortgage and general maintenance and upkeep, there’s a lot to spend your money on when you’re trying to run a home. By making it more energy efficient, you’ll reduce your bills and make it more eco-friendly. You can spend money on things like insulation and other energy efficiency measures in order to make this happen.

 

When Buying New Items, Choose Quality

 

Whenever you’re investing in new items for yourself or for your home, you should think about what they’re really offering. Are they offering quality or a fast and cheap solution to a short term problem you have? If it’s the latter, you might want to step back and think again about that purchase. You should instead look for quality even if it means spending more now. You’ll save big in the long term.

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Realize the Importance of Servicing

 

When it comes to running a car or owning appliances in your home that are costly, you should always make sure you’re getting them properly serviced. Doing so will allow you to save money later by avoiding breakdowns and other similar issues that can be very expensive to deal with. A good trusted auto repair will offer affordable servicing and it’ll help you avoid having to pay for big repairs later.

 

Lighten Your Car’s Load

 

Another good way to ensure running a car doesn’t cost you more money than it needs to us to simply lighten your car’s load. You can do this by removing things that you’ve been unnecessarily storing in your car for a long time. When a car is lighter, it’s also more fuel efficient and less of a financial drain for you. It’s one of those small things that can actually make a big difference in the long term.

 

Look for Hidden Charges in Your Recurring Bills

 

If you have bills that you pay every month or every few months, you should look for hidden charges that could be stopping you from getting a fair deal. Any charges that are hidden and that you don’t know about can be a real drain. Look to assess your regular outgoings so you can streamline them and remove any expenses you don’t really need or want to be paying. So many of us pay more than we think we’re paying.

 

Put Savings Goals in Place

 

Putting all of your saving goals together and really focusing on them can really help your general finances going forward. Put these goals in place and think about what you can do each day to ensure you reach them. That way, you’ll always have something to work towards each day. That level of focus can help you; we all need goals to be striving towards in life because it can be highly motivating. The sooner you start doing things like this, the sooner you’ll yield the benefits.

 

By taking the right steps now, you’ll put yourself in a better financial position heading into the future. Thinking ahead is something that most of us don’t do very often, but maybe we should. You’ll be in a stronger position and much more financially secure if you start acting now with the future in mind.

Don’t Panic About Your Finances?

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Finding yourself in any kind of financial difficulty can be incredibly scary. After all, whether you like it or not, money makes the world go round, and without it, you can often struggle to hold on to some of the simplest and most important things in life like the clothes on your back and the roof over your head. That being said, just because you find yourself struggling with money at some point in your life doesn’t mean that all is lost. The truth is that just about everyone deals with money troubles at some point in their lives and there are always things that can be done. With that in mind, here are a few ways to avoid falling into a pit of despair and panic if you end up having some trouble with your finances.

 

Get organized

 

If you’ve just found out that you’re in a worse financial position than you thought you were, it can be incredibly easy to start running around like a headless chicken in a total panic. However, it’s incredibly important that you avoid doing this and that you sit down and get organised. The first thing you need to do is to stake stock of your financial position and figure out a budget. That way you can know exactly what cutbacks you can make in order to start to get yourself into a more secure position without too much difficulty. 

 

Be disciplined

 

Of course, figuring out your budget and where you need to cut back is incredibly easy in theory, in reality, it’s a whole different ballgame. This is because getting your finances back in shape is often an incredibly long and difficult process. Because of this, it’s important that you stay as disciplined as possible and that you avoid falling into the common traps of becoming complacent or overconfident at any time. Keep things simple and make sure that you’re always aware of exactly how much money you’re spending at any given time. In reality, it’s the little purchases here and there that can make all the difference to your financial health.

 

Remember: there is always help out there

 

It’s easy to feel like pulling yourself out of financial quagmire is an impossible task and sometimes it really is something that you can’t do alone. However, it’s important to remember that you don’t have to do it alone. There is always help out there from debt based charities to a bankruptcy lawyer. No matter what kind of situation you’re in, there’s no shame in needing to reach out to other people for help, whether it’s a professional, or simply a friend or family member.

Financial trouble can not only have a practical impact on your life, but it can also be incredibly damaging on an emotional and psychological level. Make sure that you’re thinking about the support that you might need in that direction as well. Don’t let money difficulties lead you down a path of feeling constantly anxious or worried and remember that there are always people that you can talk to about those kinds of things.

Money Matters: How To Make 2020 The Year Of Reduced Waste

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The start of a new decade is the perfect opportunity to reevaluate your lifestyle and adopt the changes needed to become a better person. Right now, the need to reduce our physical waste in a bid to save the planet is more prominent than ever. But what about saving your finances?

 

Living costs rise at a far faster rate than salaries. This is why your New Year’s Resolution should revolve on the concept of making your money work harder. Here are 15 ways to turn your 2020 vision into a reality.

 

#1. Quit Bad Habits

 

Let’s face it; quitting bad habits will always appear on the NYR lists. While you’ve previously given up within a few weeks, focusing on the financial elements could transform things for the better. Quitting cigarettes will save the average 20-a-day $50 per week. You could save half of the money while using the other half as a weekly reward for staying on track. It’s great news for the body, mind, and bank balance. This new approach will ensure that 2020 is the year you succeed.

 

#2. Analyze All Purchases

 

There’s nothing wrong with impulse buys that will actively enhance your life. However, wasting money on products that you will not use is a huge problem. It’s easy to be won over by fancy marketing gimmicks, but buying the latest tech gadget for the sake of joining the herd is often a bad move. Where possible, sleep on the decision. If you aren’t that fussed about having not bought the item when you wake up, it probably isn’t needed. You should see a decline in regrettable choices.

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#3. Lose The Need For Ownership

 

In addition to avoiding unnecessary purchases, 2020 can be the year where you embrace a healthier mindset. While society may suggest that you need to own everything, you don’t. There are many situations in which leasing a car may be better than buying one. Meanwhile, renting an outfit for an vent is often a smarter decision than wearing it once and letting it sit in the wardrobe collecting dust. The money saved by hiring goods can allow you to spend more money elsewhere.

 

#4. Trim The Fat On Bills

 

Overspending on monthly services is another very common problem. Here is a guide to cutting cellphone costs that can save hundreds of dollars each year. Similarly, energy bills, home insurance, and broadband packages can be trimmed down. Tailoring the package to your needs rather than what the company tries to sell you can make a big difference to monthly outgoings. Better still, you won’t see any difference to your daily life as the features you cut out aren’t being used anyway.

 

#5. Shop Around

 

We can all appreciate the benefits of browsing the market for a better deal. The introduction of price comparison sites made a huge impact on major purchases. However, you can now add tools to your browser that automatically search for vouchers and discounts on all purchases. Even if you save a few dollars during each online shopping session, the savings soon add up. They can be used to buy clothes, groceries, and gifts for loved ones during the festive season. The possibilities are endless.

 

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#6. Consider ‘Non-New’ Items

 

It seems madness to spend twice the price on an item that you could get cheaper simply because it has been used. There are plenty of items that you’ll want to buy brand new. Still, charity shops can be a great place to pick up furniture, clothing accessories, books, and more. Perhaps more tellingly, you can save thousands on kitchen remodels and big tasks by buying the ex-display models or end of the line stock. Not having the latest season’s trend isn’t a big issue unless you make it one.

 

#7. Change Work Habits

 

Your career is the primary source of revenue in your life. However, it can be a source of huge expense too. There are many ways to cut the costs. Working from home, even or one day per week can have a truly positive influence. Meanwhile, trading the morning trip to Starbuck for a homemade coffee could save over $1,000 per year. Those simple changes can actively aid your physical and mental health, as well as your career. Still, it’s the financial savings that stand out.

 

#8. Stop Trashing Perfectly Good Products

 

Most people are guilty of hoarding furniture, electronics, and collectibles. In most cases, they’ll eventually be thrown out during a clean spring. However, one person’s trash is another’s treasure. Thanks to local online selling platforms, the opportunity to generate money from old goods has never been easier. This additionally serves as the perfect way to declutter your life at the start of a new decade. The fact it actually reduces waste pollution by recycling old items is merely a bonus.

 

#9. Ensure That Assets Sell At Their Full Potential

 

When selling the small household goods, any cash injection is a step in the right direction. However, valuable assets need to sell at the right price. Preparing the home for a quick and agreeable sale is vital for anyone hoping to relocate in 2020 or beyond. Meanwhile, expensive antiques should be independently valued. After all, you do not want to become one of those people that sells a vase for $50 at a garage sale only to see it sell for $1,000 in three months time.

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#10. Hire An Accountant

 

The idea of paying an expert to handle your taxes and other financial obligations may seem counterproductive. On the contrary, though, a personal tax accountant can save you money in the long run. Whether it’s handling small business accounts or individual taxes, their advanced knowledge will serve you well. Besides, time is money, and you can use the extra time to earn more money. When added to the emotional reassurance of making the right moves, success is assured.

 

#11. Seek Entitlements

 

You work hard, and put money into the system. As such, you should feel no guilt about seeking the financial support that you are entitled to. Whether you’re a parent, a worker in the public sector, or have a disability doesn’t matter. Even an extra few hundred dollars per year, through credits or discounts, can seriously enhance your life. Life can get tough from time to time, but helping hands are often available. Take the support that is actually designed for you, and big results will show.

 

#12. Improve The Home’s Energy Efficiency

 

If you can reduce financial waste while also reducing waste pollution, that’s perfect. This guide to creating a greener home will allow you to master both. The investments into better lighting and water efficiency will reduce monthly bills. Meanwhile, solar panels and other eco-friendly upgrades often show a positive ROI. The financial value of your property and monthly cash flow will each see positive outcomes. Best of all, the rewards will continue throughout 2020 and beyond.

 

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#13. Share Facilities

 

The idea of combining financial savings with reduced energy waste needn’t be limited to the home. Carpools are a particularly smart move to save money and resources. Meanwhile, if you have a good relationship with the neighbors, it may be possible to share items like the lawnmower. It seems a little pointless to buy and store products separately if you can half the costs and efforts. Of course, it’s not an option that’s open to all homeowners or workers. Still, it’s worth investigating.

 

#14. Move Bank Accounts

 

If you are currently losing money to interest rates on credit cards, switching to new banks can work wonders. They are fighting for your custom and will often offer 0% on transfers as well as a few months of zero interest. This gives you a chance to reduce the debt without suffering from high interest rates. In turn, this can support your bid to create a better financial situation. After all, your overall debts will shrink during that period of breathing space.

 

#15. Repair Things

 

How often do you trash a top because the zip broke, or replace furniture because it suffered minor damage? Get into the habit of repairing and upcycling items, and you’ll save vast sums of money over the course of a year. You can turn crates into garden furniture, save old garments, and breathe new life into unloved items. It’s a great way to save time and money while also providing a sense of satisfaction. When dealing with clothes, it’s an ideal way to gain a fresh and unique appearance too.

 

The Final Word

 

We can all benefit from reducing our financial waste, and 2020 is the year to make it happen. While it’s true that the first few weeks may seem difficult, your efforts will soon be rewarded. Once you see how much of an impact your efforts can bring, the incentive to stay on track will be huge.

 

Last but not least, you must remember that a setback along the way needn’t stop you from achieving the end goals. This is a lifelong transformation rather than a quick fix. Do not forget it.

BlindSpotz Cold Sensor & Giveaway!!

This is a sponsored post written by me on behalf of Review Wire Media for BlindSpotz.

Winter is such an exciting time for my household! I love the cold; being able to wear my pretty sweaters and scarfs, fixing hot cocoa with marshmallows for the little ones, sitting around the fire, and sitting around watching Netflix. However with winter comes a lot of expenses such as Christmas, birthdays, and anniversaries which makes the colder months also more expensive. We try to find ways we can save money. We pinch pennies every chance we can get.

One of the highest expenditures is our electricity bill. Our house is a little older and we planned to have it insulated but it’s so expensive for insulation and we didn’t want to have to fix every nook and cranny. When I heard about BlindSpotz I had to check it out. They are little stickers you place by vulnerable areas in your house that you believe your warm air is leaking out. I tried putting in by my back door, in my kitchen, and my front dining room. I learned that hot air was, in fact, leaking out and already made plans to get it fixed. For $9.99 you can get a little package of Blind Spotz. Blind Spotz is a great DIY product, or for trying to just improve your home and put a little extra cash in your pocket from your electricity bill.

Being able to focus on the areas that needed fixing saved more money and allowed us to focus on specific fixes which otherwise would’ve have taken a full home makeover. More money is always a good thing. The time and effort it also saved is invaluable since we are a do it yourself household. If you believe certain areas are cause you to lose your warm air due to a crack or leak, I’d highly suggest picking up some Blind Spotz, they are worth the investment.

These are simple to use, put the diagnostic sensors everywhere you have an opening that may have air coming in, like outlets, doors, and windows. Then wait 48 hours to read the results by taking a picture of the sensor and emailing it to fixthecold@blindspotz.com or you could use their app.

 

Now for the fun part here are the details for the giveaway:

– The giveaway is for 3 packages of BlindSpotz to 3 different winners. Retail Value $9.99 each
– Please note in Post:  If you have won the same prize on another blog, you will not be eligible to win it again.
– Winners address must be reported by March 4th 
– FYI: Shipment makes take 4-6 weeks.
– Prizing provided by BlindSpotz
U.S. Only

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