Need extra money?
Don't we all? Will an urgent cash advance help your money problem?
We all need extra
money no matter how wealthy or poor we are, money to buy that something extra,
money to invest or to buy your own home. These are the dreams and desires that
people all have but they don't want to stress on how to find the money for
those pesky bills that appear with regular monotony, some of which you have little
control over such as the municipal rates that you have budgeted for except the
rates have been increased with out any warning, ouch there goes that budget,
frustrating right?
I can relate to that
frustration especially when you have been frugal, yet still don't seem to be
getting ahead financially, and your friends and associates seem to be moving on
with gay abandon. Just plain budgeting is not really good enough and like any
thing it needs to be done correctly, following a set and tested system that
works. You need system that allows you to have fun and enjoy your self with out
being rigidly shackled.
You can still have as
much and perhaps even more fun having a workable budget and following some
simple tips.
Commonsense Tips to
help you achieve your budgetary goals and have fun:
1. Start treating your
self like a small successful business.
2. Like a business create a workable budget, that evolves with you and your goals.
3. Do you really need that expensive latte, or can you take your own coffee in a thermos? This one item could save you up to $8.00 a day or $243.00 a month!
4. Make your own lunch. Yes, you can still take it out and have lunch with your friends but the difference here is that you are saving $20.00 per lunch while they are spending. That is a monthly saving of $608.00.
5. Save on power by replacing your globes with the energy efficient variety. Turn off your 'stand by' appliances at the wall. This alone will reduce your power bills by up to $250.00 every billing.
6. Use the clothesline rather than your dryer. Yes you can do this in an apartment as well but it takes discipline because it requires a small effort on your behalf. You will smile with the extra savings.
7. If you've just received a pay rise use the extra money to reduce debt. If you have a credit card pay it down and get rid of your credit card, you will be glad that you did. Statistics show that majority of financial stress is caused by credit card and chattel debt more than any thing else.
8. Bottle your own water, rather than buying bottled water which contrary to the labeling is really the same item well marketed. A minimum saving of $4.00 a day or $122.00 a month.
9. Love using the phone to chat with your friends? Save yourself loads of money by using skype or something similar that is virtually free or cheaper than mobile calls or interstate calls. I have tried this and my phone bills dropped from $650.00 a month to a mere $275.00 per month. This is a saving of $375.00 every month, which can be used to pay down debt and eradicate it.
10. If you're having a party with friends try this idea. Ask them to bring a plate, except you nominate the food, this will save you money and add a culinary difference to the evening,
11. Loose change, I seem to have it everywhere. Start a loose change jar and you will be amazed how the loose change adds up. Mine added up to several thousand dollars over the course of the year and the best part was that I never missed it!
12. Save your extra pay. There are 26 fortnights in a year but only twelve months. You will be ahead with out even knowing or feeling the difference.
2. Like a business create a workable budget, that evolves with you and your goals.
3. Do you really need that expensive latte, or can you take your own coffee in a thermos? This one item could save you up to $8.00 a day or $243.00 a month!
4. Make your own lunch. Yes, you can still take it out and have lunch with your friends but the difference here is that you are saving $20.00 per lunch while they are spending. That is a monthly saving of $608.00.
5. Save on power by replacing your globes with the energy efficient variety. Turn off your 'stand by' appliances at the wall. This alone will reduce your power bills by up to $250.00 every billing.
6. Use the clothesline rather than your dryer. Yes you can do this in an apartment as well but it takes discipline because it requires a small effort on your behalf. You will smile with the extra savings.
7. If you've just received a pay rise use the extra money to reduce debt. If you have a credit card pay it down and get rid of your credit card, you will be glad that you did. Statistics show that majority of financial stress is caused by credit card and chattel debt more than any thing else.
8. Bottle your own water, rather than buying bottled water which contrary to the labeling is really the same item well marketed. A minimum saving of $4.00 a day or $122.00 a month.
9. Love using the phone to chat with your friends? Save yourself loads of money by using skype or something similar that is virtually free or cheaper than mobile calls or interstate calls. I have tried this and my phone bills dropped from $650.00 a month to a mere $275.00 per month. This is a saving of $375.00 every month, which can be used to pay down debt and eradicate it.
10. If you're having a party with friends try this idea. Ask them to bring a plate, except you nominate the food, this will save you money and add a culinary difference to the evening,
11. Loose change, I seem to have it everywhere. Start a loose change jar and you will be amazed how the loose change adds up. Mine added up to several thousand dollars over the course of the year and the best part was that I never missed it!
12. Save your extra pay. There are 26 fortnights in a year but only twelve months. You will be ahead with out even knowing or feeling the difference.
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