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Write You - Thirteen More Ways to Save $100 a Month
One of the reasons successful business blogging is working for small business is because of many of its direct and in-direct effects. In this series of articles, I’ll be talking about some of these effects and how they occur, including increases in traffic, better search engine results, and the enhancement of online company brands.One of the other side-effects of successful blogging can be, and often is, an increase in sales. This occurs for a myriad of reasons, four of which I've listed below.First, as you begin to consistently give your prospects information they
8. Give yourself a cash allowance — and stick to it! Give yourself half of what you usually spend every week on eating out, entertainment, movies, video rentals, etc. and vow to spend not one penny more. Use cash only, not credit or debit cards, so that you actually have to peel those 5, 10 and 20 dollar bills off the wad when you hit the check out. It’s a bigger eye opener than just signing the sli
All too often marketers create an advertisement and stick with it no matter what. Even if an advertisement works, it doesn’t mean that there isn’t one that might work better. It’s important not to get stuck in a rut because of faulty assumptions. One great way to make sure you don’t is to test your assumptions.Do you test your advertising message? You should. You should test just about every type of communication you have with your prospects and customers: your website, advertisements, direct mail, product packaging, etc, etc.In simple terms an A/B Split Test is run
With a little bit of ingenuity, you can pull it off without having to live like a recluse hermit. And, once you are in the groove, you can use that $100 a month — $1200 a year — to fund your exotic vacation habit, pay off those student loans, start a business or sock away for your early retirement. Here are a few more tips to get you on track for your savings goals.
1. Go vegetarian. If you can cut meat out of just three meals a week, you can shave between $15 and $25 off your grocery bill. If you do that for an entire month, you’ve already saved yourself $60 to $100.
2. Never buy new. eBay, Half.com, and the Amazon marketplace are your friends. If you just have to have it and can’t resist, take the time to look around for the best deal, or have the willpower to wait for the sale. Check out your local freecycling Web community or Craigslist and see if you can get what you need for free.
3. Don’t hit the pop machine or the vending machine at work. Those 50 cent sodas and 65 cent candy bars add inches round the middle and break the bank. Drink water with lunch or stock your desk drawer with healthier, cheaper snacks you picked up during your regular grocery stop.
4. Pay your bills online, and save the 37 cent stamp. If your bank charges you for online services, get on the phone and haggle. Sometimes, they’ll lower the fees if you threaten to move your accounts to a competing bank.
5. If you have credit card, student loan or mortgage debt, pay weekly or biweekly instead of once a month. It’ll save you serious dough on interest charges, which accrue before your due date, and will help you pay off your balance faster.
6. Use energy at off peak hours. If you call your electric company, they can let you know if your area offers lower rates during off hours, usually in the evening or late at night. Running the dishwasher or your washer/dryer during off hours can cost you 40 % less.
7. Don’t overbuy at the grocery store. Are you the proud owner of a drawer full of wilted lettuce and broccoli? Time to stay on top of exactly what is in your refrigerator and make sure you eat it before it goes bad.
8. Give yourself a cash allowance — and stick to it! Give yourself half of what you usually spend every week on eating out, entertainment, movies, video rentals, etc. and vow to spend not one penny more. Use cash only, not credit or debit cards, so that you actually have to peel those 5, 10 and 20 dollar bills off the wad when you hit the check out. It’s a bigger eye opener than just signing the slip
Is it really that important to raise your credit score? Maybe. Lenders have "break points" between scores that get you one interest rate or another. Suppose you have a score of 688, and the lender drops the mortgage rate by .5% at 690. Those two points can cost you an extra $20,000 in interest on a $170,000 loan (over 30 years at 6.5% instead of 6%). Is that important enough for you? What can you do?Eight Ways To Raise Your Credit ScoreThere are ways to raise your credit score. Some of them take more time than others to have an impact, but if you start workin
2. Never buy new. eBay, Half.com, and the Amazon marketplace are your friends. If you just have to have it and can’t resist, take the time to look around for the best deal, or have the willpower to wait for the sale. Check out your local freecycling Web community or Craigslist and see if you can get what you need for free.
3. Don’t hit the pop machine or the vending machine at work. Those 50 cent sodas and 65 cent candy bars add inches round the middle and break the bank. Drink water with lunch or stock your desk drawer with healthier, cheaper snacks you picked up during your regular grocery stop.
4. Pay your bills online, and save the 37 cent stamp. If your bank charges you for online services, get on the phone and haggle. Sometimes, they’ll lower the fees if you threaten to move your accounts to a competing bank.
5. If you have credit card, student loan or mortgage debt, pay weekly or biweekly instead of once a month. It’ll save you serious dough on interest charges, which accrue before your due date, and will help you pay off your balance faster.
6. Use energy at off peak hours. If you call your electric company, they can let you know if your area offers lower rates during off hours, usually in the evening or late at night. Running the dishwasher or your washer/dryer during off hours can cost you 40 % less.
7. Don’t overbuy at the grocery store. Are you the proud owner of a drawer full of wilted lettuce and broccoli? Time to stay on top of exactly what is in your refrigerator and make sure you eat it before it goes bad.
8. Give yourself a cash allowance — and stick to it! Give yourself half of what you usually spend every week on eating out, entertainment, movies, video rentals, etc. and vow to spend not one penny more. Use cash only, not credit or debit cards, so that you actually have to peel those 5, 10 and 20 dollar bills off the wad when you hit the check out. It’s a bigger eye opener than just signing the sli
Although federal bankruptcy law mainly regulates bankruptcies, the individual states can have specific guidelines for the process within their jurisdiction. States can typically choose to have their own rules that govern the types of exemptions that the debtor is allowed to keep after filing for a discharge of their debts. For instance, some states will allow debtors to keep their homes no matter how expensive or extravagant they are whereas other states will force the liquidation of property as an attempt to pay off the debts. Other variations include the types of debt that a de
4. Pay your bills online, and save the 37 cent stamp. If your bank charges you for online services, get on the phone and haggle. Sometimes, they’ll lower the fees if you threaten to move your accounts to a competing bank.
5. If you have credit card, student loan or mortgage debt, pay weekly or biweekly instead of once a month. It’ll save you serious dough on interest charges, which accrue before your due date, and will help you pay off your balance faster.
6. Use energy at off peak hours. If you call your electric company, they can let you know if your area offers lower rates during off hours, usually in the evening or late at night. Running the dishwasher or your washer/dryer during off hours can cost you 40 % less.
7. Don’t overbuy at the grocery store. Are you the proud owner of a drawer full of wilted lettuce and broccoli? Time to stay on top of exactly what is in your refrigerator and make sure you eat it before it goes bad.
8. Give yourself a cash allowance — and stick to it! Give yourself half of what you usually spend every week on eating out, entertainment, movies, video rentals, etc. and vow to spend not one penny more. Use cash only, not credit or debit cards, so that you actually have to peel those 5, 10 and 20 dollar bills off the wad when you hit the check out. It’s a bigger eye opener than just signing the sli
A franchisee buys a franchise sometimes from the franchisor and sometimes from another franchisee. An established franchisor may not offer you as good of terms in a way of royalty payments and franchise fees. Terms are also depending on supply and demand.If you consider to become a franchisee it is important to know as much as possible about the laws and regulations. If, for example, the franchising company is in another state and selling you a franchise in a different state, then the franchise regulations in this state where the franchisor is will not help you.Ther
6. Use energy at off peak hours. If you call your electric company, they can let you know if your area offers lower rates during off hours, usually in the evening or late at night. Running the dishwasher or your washer/dryer during off hours can cost you 40 % less.
7. Don’t overbuy at the grocery store. Are you the proud owner of a drawer full of wilted lettuce and broccoli? Time to stay on top of exactly what is in your refrigerator and make sure you eat it before it goes bad.
8. Give yourself a cash allowance — and stick to it! Give yourself half of what you usually spend every week on eating out, entertainment, movies, video rentals, etc. and vow to spend not one penny more. Use cash only, not credit or debit cards, so that you actually have to peel those 5, 10 and 20 dollar bills off the wad when you hit the check out. It’s a bigger eye opener than just signing the sli
When it comes to credit cards, the reward credit cards are usually much more popular because more often than not, consumers are dazzled by the concept of earning points and winning prizes for themselves just by using their credit cards. But you see, that’s simply considering one side of reward credit cards – and that’s the nice side, by the way. The other side would be the high interest rates that reward type of credit cards charge its users. So you see, you’re not winning those prizes for free – or at least not completely – unless you have the means to pay for your purchases bef
8. Give yourself a cash allowance — and stick to it! Give yourself half of what you usually spend every week on eating out, entertainment, movies, video rentals, etc. and vow to spend not one penny more. Use cash only, not credit or debit cards, so that you actually have to peel those 5, 10 and 20 dollar bills off the wad when you hit the check out. It’s a bigger eye opener than just signing the slip when you hand over your card. It's bound to make you realize how much you are spending on frivolous things. When you run out of allowance, don’t spend another dime. Over time, you’ll relearn what you knew when you were 8 years old — saving up for something makes it much sweeter when you finally get it.
9. Refuse to pay for parking. In most towns, you can save yourself the cost of a lot or a meter by taking 10 extra minutes to drive around looking for a free spot. You’ll probably have to walk a few extra blocks, but the savings really adds up.
10. Evaluate your cell phone. Are you getting stuck with extra fees? Are you constantly using more minutes than you planned? Either send an email instead of calling to reduce your minutes or get on the phone and haggle for a more affordable plan.
11. Ditch the cable television. A lot of people think of cable television as a necessity,rather than a luxury. But with monthly plans hitting you for $30 to $100 it may be time to either switch to a basic, cheaper plan or dump it all together and brave the networks like your parents did in the 1970s. If you think you can’t live without TV, start slow —turn it off for a week. You’re bound to find you have a lot more time to do all those little projects — like learning to knit and writing the great American novel — you have been putting off for months.
12. Revaluate fee services. Look at all of the things you have signed up to pay for every month — satellite radio, Tivo, Netflix, Internet fax — and decide whether or not you really use them enough to get your money's worth. If there is an alternative that costs more upfront but is cheaper in the long run, go for it and cancel your service.
13. Get that stylish new haircut — at the local beauty school. Forget $50 or more for a cut, color or style. Head to the local beauty school where you can get it for half price or less.
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