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Saving Money on Food While UnemployedIf you are currently struggling when it comes to looking for a job, you might not have the most money to spend right now. Your money will likely be going to necessities. One thing that everyone needs is food. Food can be one of your biggest monthly expenses. If you’re not careful, that cost could easily balloon to several hundreds of dollars each month. If you’re working, that wouldn’t be as big of a problem as it would if you’re not working. With a little bit of planning and sacrifice, you can cut this expense down to under $200 a month.

Buy cheap food

If you are unemployed, you shouldn’t be splurging on groceries at Publix or Kroger’s. You should have a strategy and start off with cheap food that will fill you up. Ramen noodles are one of those types of foods. A lot of people used to eat ramen noodles during their college years. I’ve eaten them a few times. They were not my favorite, but they did save money. You can get a box of ramen noodles pretty cheap. They will fill you up pretty fast. Also, you can spice up your noodles by adding different ingredients to them. Spices, meat, and mushrooms are just a few things that you can add to your noodles.

Other staple foods are bagels and sandwiches like peanut butter & jelly and tuna.

Stop eating out

The next tip to save money is to stop eating out. For many people that is easier said than done. Eating out is a guilty pleasure for some, but if you are unemployed, you have to stop doing that. There are a few reasons why you should do this.

The first reason is that the food is expensive. You can prepare a meal at home for $5 to $7. AT a restaurant, many meals will cost you $10 – $20.

Another thing that you must consider is tipping. Most people tip between 15 – 20% when they go to restaurants. That money can add up, especially if you go out multiple times each week. If you’re unemployed, you simply don’t have the money to do that. Practice some discipline and eat at home. This doesn’t have to be permanent. You are only doing this until you get another job.

Save money on groceries

The best way to save money on groceries is to start saving and using coupons. Coupons can drastically reduce your grocery bill. You can get coupons by searching for them online, by signing up for your favorite grocery store rewards program and also by getting the Sunday newspaper. Your Sunday paper will have a section full of coupons. The sooner that you start saving, the better. You can expect to save as much as 10% to 30% on your groceries by collecting those coupons.

Snacks

The next tip is to purchase some cheap snacks. Popcorns, crackers, and chips are great candidates. Those items will help you avoid the late night trips to the fast food spots. In the past, I made several trips to fast food restaurants. I spent a lot of cash. I could have avoided that by having snacks.

As you can see, there are several ways to save money on food while you’re unemployed. They may take a little bit of planning and discipline, but anyone can do them.

Just as you do, there are many other people who have been given some thought on how they are able to cut their expenses and save some cash. A quick online search will provide you with plenty of money saving tips, but here we have provided you with 5 factors you need to consider.

  1. Shop Online

You can save a ton of money by shopping online, and for more reasons than you may initially consider. For example, if you want to do your grocery shopping online it can stop you picking up all of those impulse buys that you could otherwise live without. Consider this, how many times do you buy unneeded items simply because they are right there in front of you. It might seem like you are buying at a discount, but spending something will always cost you more money than not spending anything. A great online shopping site is Coupon Sherpa, you can find plenty of great deals online. The same can be said for Groupon as well.

  1. Join a Cashback Shopping website

Another method of saving money is by taking your online shopping a step further and using a cashback site. There are a lot more of these sites popping up these days because retailers often incentivize them to seller their products and services. The cashback site will then take their profits from the retailer and essentially pass you back a portion of it. A pretty simple and effective method for online shoppers.

  1. Stop Going to the Car Wash

When the spring and summer months hit it’s amazing how many people flock to the local car washes. Some will opt to hit the coin vending washes rather than the more expensive drive through washes. However, you should wash your car the old fashioned way, with a hose, bucket of water, and a sponge! Simple tasks that you can do around the house for free should always be optimized for saving money.

  1. Pack a Lunch

Spending money to buy lunch everyday is much easier, and quicker, than packing your own…but it certainly is much more costly as well. Spending time is much cheaper than spending money. Sure, you have to buy the stuff at the grocery store and wake up an extra 10 minutes earlier in the morning to pack the lunch, but in the long run your finances will thank you for it.

  1. Shop Around for your Insurance Needs

The internet makes shopping so much easier, and that includes shopping for and saving money on your insurance needs. It doesn’t matter if you need life, health, or car insurance. Simply go online and input some superficial data, and within 10 minutes you can have a dozen insurance companies competing for your business.

 

grave-674443_640There is only one true certainty in life, and it is that one day, it must eventually come to an end. With very few exceptions, most of us have no idea when that day will arrive.

It may seem a little morbid to think about this, but actually it is important. Unfortunately in the modern world, death is not free. First, the tax man will come calling to claim his share of whatever you have left behind. There may be medical expenses to be paid. And then there are the costs of actually laying you to rest.

The cost of a funeral can involve more than just buying a memorial headstone. There are so many things that need to be covered financially, that it can be really shocking for anyone who has no experience with such things and is not properly prepared.

The most important step you can take to protect your family against the costs associated with your death is to make the proper preparations now, while you’re still alive. Obviously that is actually the only time you can do so, because when you’re not alive, it will be too late to help.

These are all good ideas to make arrangements for:

  • A will – this is a legal document, usually (and best) prepared by a solicitor, which sets out how your assets should be divided. There are two types of will, the most common one being the well-known Last Will & Testament, and the other type being a “living will”, which is applied in a situation where you are alive but no longer technically able to function as a conscious person. Both are a very good idea to have
  • Life insurance – this is insurance that pays out when you die. Life insurance can really be complicated. For one thing, many people have life insurance already, but don’t know they have it. Other times, people think they have real life insurance, when in fact they only have insurance cover that will pay off the balance of a loan, or something similar. For this, it is best to seek advice from a professional insurance consultant or broker, and find the best life insurance option for you.
  • Funeral insurance – a relatively new type of insurance with low premiums that helps to cover the full cost of a funeral, so that it’s not a burden to those you leave behind. Even the most modest funeral is sure to be expensive.
  • A trust fund – if you’ll be leaving behind a very substantial sum and you want to ensure that it is not squandered frivolously, you could consider setting up a trust fund, which allows you to specify rules and conditions about how and when money will be disbursed to the beneficiaries.

While it’s not strictly necessary to have all of these, it is sensible to have at least some plan in place, even if it is just simple funeral insurance to cover the costs of the funeral and memorial headstone.

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We all dream of becoming millionaires one day and enjoying all of our wealth. Some of us might read books and articles on tips for how to become a millionaire while others of us try the get rich quick approach in hopes of turning our $100 into $100 million overnight. Unfortunately, this option takes us further from our goal rather than helping us achieve it. The real way to become a millionaire and retire early is part hard work and part habit. In this post, I will show you 3 habits that you need to embrace so that becoming a millionaire and retiring early becomes a reality for you.

3 Habits For Growing Your Wealth And Retiring Early

#1. Use Time To Your Advantage

This is probably the most critical habit for us to embrace, using time to our advantage. You need to make sure you don’t waste time. How do we waste time? A few examples include getting lost on Facebook, Twitter, watching TV, etc. I’m not saying you can’t use any of this technology any more, but what I am saying is to make sure you limit it. This is what the most successful people do and you should too.

Spend your time doing something useful. Read, take a class, enjoy a hobby, start a side business, hang out with your family. Any of these options help you grow and become a better person. They also help you to realize what is really important in life.

When you realize this, your priorities shift. You stop overspending on things that aren’t important to you and focus more on the things and experiences that matter. This is the first step in getting your spending and focus under control so you can grow your wealth and retire early.

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Paribus ReviewMoney is the basic necessity of life. Most of life isn’t possible if you don’t have money. It is a well-known fact that people spend a lot of money on online stores and they don’t even know if they are eligible for some return or refund. Paribus is one of a kind platform that is helping people save a lot of money from their online purchases in a unique way.

How Paribus is Different

Paribus is different from other savings apps because they use a model based on getting refunds from pricing changes. Paribus makes sure that you get a refund when prices charged by online retailers change. If you have made the purchases in the past 90 days from an online store and the price of that very product has changed in the meantime, you are subject to a return of the difference in the price. It happens in real time, and Paribus uses bots to monitor the price changes regularly. Once an eligible claim is detected, Paribus engages with the retailer on your behalf and files a claim requesting a refund. This is a unique model that hasn’t been implemented before.

What Paribus Charges

In doing this Paribus review, one thing I liked was the pricing structure. When a claim is detected, and Paribus is successful in getting you a return, the amount is deposited directly to your credit card you used to make the purchase. Once it is done, Paribus keeps 25% of that amount. You can, however, lower your rate by referring your friends and even earn some cash.

Paribus covers different popular online stores. More stores are being added to the database to help more people get a return on their purchases. Some of the major retailers that Paribus currently supports are Amazon, Costco, Sears, Home Depot, Best Buy, Staples, and Target. The full list from Paribus’ webpage is below.
Paribus merchants

Why Choose Paribus

There are tons of reasons why you should trust Paribus to make your claims. One of the major reasons is the signup process which is free. There is no signup fee that you need to pay them upfront. You can claim your amounts from different stores you spend money on. The amount you can save depends on the amount you have spent. Purchases with higher prices are likely to get you higher refunds. So, the only major outlay is your time.

Paribus does request your credit card information and read access to your email. A lot of people don’t like this. However, there haven’t been any instances that I could find of anyone who felt their identity was stolen because of Paribus. That said, providing credit card information is standard in most on-line transactions. Also, if you are using a commercial email package like gmail you already consent to have your email read by their advertising bots, so you aren’t giving up much that you haven’t already. Plus, you get your money back without having to work for it – the savings are totally effortless and since the app is owned by CapitalOne, they use industrial grade encryption.

How to Use Paribus

Using Paribus is very simple. All you have to do is to download the Paribus app on your iPhone with iOS 7 or newer, and signup with your email address. You can also use Paribus by visiting the website and signup using your email ID. Then you sit back and collect. It’s pretty simple. Sign up here or navigate to their website using the icon below.

Hopefully, this Paribus review has given you much need information about the app. I’m all for saving money these says.

Have you used Paribus before? What are your thoughts on it?

weather-1568687_640From looking at investment ideas and property market news to actually buying your first rental property, there’s a long process to be accomplished. This is very daunting for first-time investors, and even long-time ones. Owning a property is a tough business in itself and the field is peppered with land mines that can potentially obliterate any returns.

In this article, we’ll look at the features you should look out for when shopping for an investment property.

Beginning your search

Although a real estate agent is helpful in completing the purchase of a property, you should consider starting the search for the investment property on your own. Having an agent can bring financial constraint and unnecessary pressure to buy a property that may not suit you. The most important thing to remember is to take an unbiased approach to all the neighbourhoods and properties within your investment range.

Also, your investment range will be limited by whether you want to actively manage your property (be a landlord/landlady) or hire someone else to manage it. If you will actively manage, you shouldn’t get a property that’s very far from where you live. If you’ll get someone to manage it for you, its proximity will be a lesser issue.

Here are the things you should consider when you begin searching for the rental property.

The condition of the neighborhood. The neighbourhood’s quality will directly influence the types of tenants you will attract and how often the property will experience vacancies. If your property is located near a commercial zone, you will most likely have tenants that will stay for extended periods of time.

Applicable property taxes. Property taxes differ across regions and since you’re planning to make money from rent, you need to be aware of how much you’ll lose to taxes. High property taxes are fine if you are in an excellent neighbourhood with long-term tenants. Check the town’s assessment office to see tax information in the community.

Job market. If the location as growing employment opportunities, then it as a better chance of attracting more people, which means more tenants. Seek out newspapers or online news articles for the announcement for any major company moving in the area. This can assure that workers will flock the area looking for a place to rent.

Crime rate. No one likes to live in a community with a high crime rate. To see criminal statistics, simply go to the public library or even the police to get accurate crime statistics for various neighbourhoods, rather than asking the neighbours or the property owner who is hoping to sell the house to you.

Education institutions. Some tenants will prefer a location with a nearby school. Check out the quality of school near a property you’re looking to invest in as this can affect the value of your investment. A low school reputation can reflect your property’s poor value.

Vacancies and listings. An unusually high number of listings in a particular neighbourhood can signal a seasonal cycle or a not-so-good neighbourhood. Figure out which is it before committing to a property.

End Note

It’s worth looking at top land developers when choosing an investment property. For instance, when you buy house & land from Lendlease or other major developers, you can be sure that you’ll be buying a quality property in a good community – an investment that will attract long-term tenants and give you big returns. Best of luck!

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No matter what your age, day by day and minute by minute you are moving closer and closer to retirement.

For some people, the idea of retirement seems so far off in the future they tend to dismiss it. For others, it’s just around the corner.

But if you have been thinking about your retirement lately and it scares you even a little, here’s how you can avoid the fear of retirement.

Hire a Financial Planner

One way to help ease the fear of retirement, no matter how close or far from it you are, would be to hire a financial planner. Make sure it is someone you are comfortable with and then get started formulating a plan for your retirement that works for you and any family you may have. When you meet you will likely evaluate your current finances, make goals for your retirement, and formulate a plan for how to get there.

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corvette-171422_1920Auto Insurance is not always the cheapest. Depending on your past driving history, it could be very expensive. Thankfully, my car insurance is pretty affordable. I don’t pay too much for mine right now. Over the years, I’ve done some things that helped me lower it. I believe that you can do it too. Several ways can help you save a few dollars on car insurance. Here are some tips you can follow to get cheap auto insurance.

Safety Devices

Buy safety devices for your car. If you’re planning to get that theft alarm for your vehicle, this the right time to do so. Having theft devices on your car would help lower down your insurance costs. These devices would ensure your insurance provider that you are less likely to encounter car theft incidences because you have those things installed.

Use the same provider

Use the same insurance provider for all your vehicles. If you have more than one car at home, one good way of saving on auto insurance is getting only one insurance company for all of your cars. I thought that this would be common sense, but it’s not. Having all of your cars insured but the same provider allows you to get a multi-car discount. If you can’t get a discount on all of your car insurance policies, what most providers do is give you a lower rate for your second car. You’ll be paying the same amount for your first car, but the rest of the cars you sign up with them will be priced lower. That’s still a decent deal.

Group discounts

The next thing that you can do is look into group discounts. There are insurance providers who offer discounts. If you are a member of particular groups or if you carry a certain credit card. For example, I get a discount on my auto insurance because I’m in a fraternity. Before you sign up with an insurance company, it’s best to ask if they give discounts to members of organizations or if they are affiliated with the credit unions. Some insurance agents may not inform you about those discounts, so make sure you don’t forget to ask.

Provides multi types of insurance

Look for an insurance company that offers both home and car insurance. Most providers would give you as much as a 20% discount if you get both your home and car insurance with them. Doing this wouldn’t only just save you money, it also reduces paperwork. It makes applying easier as you are getting all your assets insured with only one company.

Low-risk driver

Be a low-risk driver. Taking care of your driving record is vital if you want to save on auto insurance expenses. The more tickets you get, the higher you will pay for your car. The more tickets you get, the higher you will pay for your car insurance. Providers don’t want to cater to people who are prone to accidents as this means shelling out money because of your inability to drive safely. Keep your driving records as clean as possible, so you won’t have a hard time getting a lower appraisal for auto insurance?

Keep good credit

Keep your credit score well. Most insurance provider’s credit checks to see if you can pay for your insurance policy. If you have a good credit score, then you don’t need to worry about anything. If your credit rating is not good, you might want to look for an insurance company that does not do credit investigations, although this may cost you a higher price for your car insurance. Stick with this insurance company for a while until you’re able to improve your credit rating.

With a little bit of research, you’ll find an insurance provider that can give you a good price for auto insurance. Look around, and you’ll soon get yourself some cheap auto insurance.

 

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