How I save on transportation costs?
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With the price of oil shooting up, it has directly affected prices of our local fuel as well as prices of our public transport. I now bring my car two times a week to the office versus the usual five times a week. During the three days I do not bring my car, I just [...]
Saving money on your apartment
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Renting an apartment can be a positive proposition for some who live in faraway places. It generally cuts back traveling time and at the same time offer a lot of conveniences for renters. For some, renting is a better option to owning a home that can easily drain one’s resources with mortgages, real estate taxes, [...]
Saving on groceries
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Grocery shopping can be your single biggest spending category, as it includes expenses in food, toiletries, cleaning agents, and many more things used for daily living. Thus getting savings from grocery shopping would contribute greatly to your cash flow. The monthly grocery bills of people, of course, varies. Families with newborns and toddlers would experience [...]
Financial happiness can be easily attained
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More often than not people equate financial happiness to how much one earns. I beg to disagree with this, as for me, the bottomline is what truly matters. Reducing stress related to money should be the goal of everyone who wants to achieve financial happiness. Take responsibility in managing your money and only then will [...]
What you need to look for in owning a house
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There are a lot of added costs when buying a house that is on top of the selling price. These are what you call hidden costs that may throw you off. To add insult to injury, brokers or real estate agents may not tell buyers about this until the buyers have fully committed themselves into [...]
Surviving a personal financial crisis
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A money crisis can be a lethal blow to your personality and sanity. As money problems come in droves, they will drive you nuts trying to figure out where you are and how to get out of it. The car will not start, bills for services are going up, you need to pay more taxes [...]
There’s money in trash!
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If you want to earn extra income whether one-time or regularly, consider looking around your place for things you can sell. Here is what I realized. For the past year, we have had to throw regularly plastic water bottles, milk tin cans, used paper and cartons directly to our apartment’s garbage chute. It hit me [...]
Leakages and Budgeting
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All of us have leakages in how we spend our money. It is very important that we identify these areas so we can either minimize or eliminate them in our system. How do you identify these leakages and transform them into savings? First, you need to create your spending plan. Figure out your monthly net [...]
Leakages and Budgeting
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All of us have leakages in how we spend our money. It is very important that we identify these areas so we can either minimize or eliminate them in our system. How do you identify these leakages and transform them into savings? First, you need to create your spending plan. Figure out your monthly net [...]
Saving on holiday gifts
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Christmas season may be six months away, but I have started my Christmas shopping already. This early I buy gift items on sale with a recepient in mind. Today I bought one-dollar Polo socks and surely enough, my recepients in mind have this particular brand in mind. You may also buy personal items in bulk [...]