Sitting in an airport lounge waiting for a flight connection is probably the dullest way of spending time I know, apart from waiting for the AA which is also up there in my list of things I would do less than go to have root canal work done by an inexperienced dentist. The process of waiting for a plane however can be transformed by WiFi which if you are lucky enough to be able to access from one of the comfy seats rather than the wooden seats in the Starbucks franchise is all the better almost making the whole process bearable. With two hours to kill I sat down and decided to work though as many emails I could, so reducing the time I would have to spend doing this at home. On this occasion this was all going pretty well with the delete button being pressed at an ever increasing rate until I came across an email from my travel insurance provider letting me know that the cost of my renewal would be about ten pounds more than I had paid the previous year, although the increase was affordable I thought that it would be worth spending a couple of minutes getting an alternative quote as, lets face it, what else did I have to do for a few minutes? As it turned out I could save myself ten pounds on the annual premium I was currently paying. Once you’ve saved a few pounds you get a taste for it. On another table along the top of the web page I could make a comparison using a website referred to as Mortgage Protection Insurance, find critical illness cover and other financial products. Saving money or rather stopping yourself wasting any more money is a tremendously empowering feeling and rather addictive.
Tags: Aa, Comfy Seats, Couple Of Minutes, Critical Illness Cover, Dentist, Email, Few Minutes, Insurance Provider, Mortgage Bank, Mortgage Insurance, Mortgage Protection Insurance, Previous Year, Root Canal Work, Saving Money, Spending Time, Starbucks, Starbucks Franchise, Travel Insurance, Web Page, WifiEveryone can use some extra money. But daily distractions and bad habits can bust your budget while you aren’t looking. From coffee to gas, lunch to entertainment, you can make some small changes in your daily spending to generate a big savings. Here are some tips that you can follow to help you save money today.
1. Make coffee at home instead of heading to Starbucks. Sure, the caffeine hike is necessary, but an overpriced rendition at the coffeehouse isn’t doing your wallet any favors. Depending on your go-to drink, waylaying the name brand drinks for your own cup of Joe will save you approximately $2.00 per day, or more than $700 per year to support your daily habit.
2. Bring a sack lunch from home. Reheating last night’s dinner or making a sandwich can make a big difference in your bottom line. An average lunch special costs $7-$10 per day. Even if you just pack your leftovers once a week, the savings translates up to $520 per year. Pack your lunch more than once and multiply your savings.
3. Drive the speed limit or lower. Starting, stopping, zipping and weaving all take a toll on your mileage, but any faster than 60mph is equivalent to paying an additional $.30 per gallon at the station. Slow down and use your cruise control when possible. Check for tire pressure as well, impacting your mileage up to five miles per gallon.
4. Check out your local library for tonight’s entertainment. Instead of taking in a movie with the family or wandering the bookstore, visit the library. While everyone can enjoy books, magazines, movies, games and CDs of their choice, the family can enjoy a cool, quiet place in the summer for free.
5. Set your home thermostat on a timer to just come on in the morning and evening. Raise the temperature in the summer and lower the temp in the winter. No need to waste money controlling the environment while no one is home.
This was a guest post by NewYorkBankingRates.com, a site that provides daily updates on the latest New York CD Rates, finance information and more.
Tags: Bad Habits, Cd Rates, Coffeehouse, Cruise Control, Cup Of Joe, Daily Distractions, Extra Money, Home Thermostat, Leftovers, Local Library, Miles Per Gallon, Morning And Evening, Quiet Place, Rendition, S Entertainment, Sack Lunch, Small Changes, Speed Limit, Starbucks, Tire Pressure, Ways To Save MoneyRelated posts
I Got Out Of Debt And Started Earning Loads Of Money In 60 Days. You Can To
The day you realize that you will never have to work again, if you dont want to, will be the best day of your life!
How would you like to go into the showroom and not just to admire a top of the range car, but to buy it for cash? Picture the salesmans face when you hand over your bank card and say “put it on there”!
How would you like to just call the travel agent and book a luxury five star hotel in some exotic location when ever you want it?
If you have ever been broke and in debt you know how bleak the future may seem. You may be working for a slave driver for a mere pittance with no visible way out.
Did you have to kiss butt last year to get time off for a measly 2 weeks a year vacation that you had to save up all year to pay for?
I have been there, my wife left me, and I lost my job and the home that went with it. Dont ask about the debts! And these were the good times!
But all of that was in the past. The debts are all paid and I have money to spare. I have freedom and you can to. You can be free to do what you want, when you want.
Imagine you have a magnificent home with its own pool, all paid for? “I love your gardens”. “Where did you find your gardener”? “I hear you are buying a beachfront property”.
You have thousands in your bank account, growing daily.
If I can do it so can you.
Lets start to turn things round right now. This is the hard part but as a wise old man once said “the worlds longest journey begins with the first step”.
You need to stop wasting money. Look at all the ways that money disappears during the day. Do you really need that daily paper? Do you buy lunch out while you are at work? What about the Starbucks coffee, and cakes.
What about all those credit cards? Each card will cost you 20% per year or more. This means every $100 you spend on groceries using your card will cost you $120.
This is hard earned money and you are giving it away to total strangers. Why?
Leave your credit cards at home. If you cant pay cash, ask yourself if you really need it. Do not believe the salesman who says “If you dont buy it now it will not be available later”. There is always another one, maybe cheaper, in the next shop.
Only take advice from someone who can prove they have made money for themselves. Avoid get rich quick schemes.
Did you know that most of those get rich quick schemes are total bull-dust and only designed to make the authors wealthy? Some are so bad that no one could make a single dime from them, no mater how many hours they worked or how much they invested.
You will also have to change your beliefs.
All millionaires believe that they deserve to be wealthy; all poor men believe they deserve to be poor. What have they done to deserve this? Are they any better or worse than the next man?
I believe it was Henry Ford who said “Whether you think you can or you think you cant, you are right”! Basically you are what you think
Do Olympic athletes think about loosing? No. They visualise winning. They eat, drink, sleep and dream about winning.
There is a saying “Winners never quit and quitters never win”. Which are you?
Thats right “You Are A Winner”!
Now is the time to start dreaming of winning, and winning big.
You need to start to work for yourself because you will never get rich while you work for someone else. You may make them rich but they are not going to share it with you.
A pilot for Virgin Airlines may earn good money but will never live the same lifestyle as Richard Branson.
Believe that you can earn more money than you will ever need. There is no reason why one man will succeed and another will fail. No person is born with all the luck.
Learning to visualise is easy and will greatly help in making you rich. If I say “Golf Ball”, you will visualise a picture of a white, round, hard, ball with dimples. If I say “Slazenger Golf Ball”, you will also picture the name on the ball. What about “An Old, Split, Golf Ball”?
This is just a simple visualisation but it shows that we all think in pictures.
This will work with your dream car. Put photos of it all over the house, visit the dealers and try it out for size, have a test drive. Visualise yourself driving your new car for 5 minutes each day. Hear the engine, smell the leather, be there.
This will work for anything. If you constantly think in pictures of wealth what do you think you will get. Think about your dream lifestyle as much as you can and believe that you deserve it.
My turning point was when I got a copy of “The Midas Method” By Stuart Goldsmith. From that day on I never looked back.
Who was the idiot that said money does not make you happy? “If this is being unhappy, give me more”!
Take a look at this E-book and if it does not work for you there is a money back guarantee. You will either gain wealth or get your money back. You cant loose.
Tags: Beachfront Property, Butt, Coffee And Cakes, Coffee Cakes, Credit Cards, Debts, Gardener, Good Times, Groceries, Loads Of Money, Longest Journey, Lunch, Pittance, Range Car, Slave Driver, Star Hotel, Starbucks, Starbucks Coffee, Travel Agent, Wise Old ManRelated posts
Do you live a lifestyle where charging basic necessities like groceries is unavoidable? If you do, things need to change! Being caught in the debt trap can be quite stressful and can even wreck havoc on your physical health and well being. Yet, you dont really have to spend your days worrying about how you are going to pay that mountain of personal debts that you have accumulated over the months. If you want to get out the debt trap, you need to sacrifice some of the things in life and invest in the future. To help you get out the debt trap, here are some pointers for you.
Get rid of some of your cards
If you have accumulated a mountain of personal debts in your credit cards, do not add more to it. Unless it is an emergency, do not use your credit cards. Dont believe those people that you cannot live without your credit cards. People in the past did not have credit cards and they lived longer and had lesser stress. If most of your credit cards are already near their credit limits, look for a company that will allow you to consolidate your credit card debts for a lesser interest rate and longer payment periods. Once the balance of your credit cards have been consolidated to one account, cancel some of your credit cards. Its better for you to live with two or three credits cards than having more than five of those plastic things.
Live frugally
If you have been drinking coffee that cost you 2, you will need to give up that coffee. Start brewing your own office instead of buying those expensive cups of coffee from Starbucks. Fine, your brew coffee will definitely not taste as delicious as those expensive brews but if you really want to get out of the debt trap, you just have to make few sacrifices. If you really like expensive coffee, you can treat yourself to a couple of cups per week and nothing more.
Aside from brewing your own coffee, it would be best to start bringing your own lunch to work and cook your own dinner instead of eating out. According to studies, you can save as much as 100 a month if you bring your lunch and you can save as much as 200 if you take your time to cook your own dinner. Now, if you do not know how to cook, this is the right time for you to start learning. Cooking can be a lot of fun and before you know it, you will have so much fun in the kitchen that you would not really want to go out and eat as much as you used to.
If you combine all your savings from your coffee, lunch and dinner, you can already a considerable amount of money saved. You can use your savings to start paying off your debts. If you continue to live frugally, in no time, you will be relatively debt free.
Tags: Basic Necessities, Brew Coffee, Credit Card Debts, Credit Cards, Credits Cards, Debt Trap, Groceries, Havoc, Interest Rate, Invest, Lifestyle, Lunch, Payment Periods, Personal Credit, Personal Debts, Physical Health, Pointers, Sacrifices, Starbucks, Stress
