Friday, September 4, 2015

Extra Money for Your Extra Time

Extra Money for Your Extra Time

Earning extra money for your future, that is definitely not a bad thing!

However, is it an easy thing? One definitely wants that for a stronger foundations for the future, but how can you manage?

Saving Money

One of the better ways to have a more secured future is to have more than enough money in your bank account, to be more liquid. 

Time is Gold

Sometime in a day, you may find yourself with nothing to do. You can either take this time to rest, to sleep, to read a book or any of your favorite pastimes. Basically anything will do just to keep you sane and as long you do not have to spend too much money.

However, instead of looking for activities that will not be too costly to maintain, it is better to pursue things that can even help you earn money. If you have enough free time, consider taking a part-time job. More than saving money, you can even expect more dough into your savings!

Why Should I Get a Part-time Job?

? It can be a source for your extra money for your savings.
? You make good use of your free time.
? For a student, the experience can teach a lot about life and the real world.
? You can meet interesting people.
? There is the possibility of discovering new skills or passions.
? Getting a good part-time job can actually be a start to a more serious endeavor.

Getting a Part-time Job

It will be relatively easy to get a part-time job. You can look up the posters or newspapers. Inquire in different establishments for openings in part-time positions. Ask friends who may recommend you. You can even provide services of your own skills like tutorial, writing or painting. 

The job may require from you a few hours of your week. It can be something you do in the afternoons, during the weekends, or during school breaks. 

You may feel challenged by exploring this new possibility in your life. You will have to balance your part-time job with what you regularly do. Simply manage your work and time properly. Save time too. Do minor tasks when traveling or waiting. Give no room for distraction, procrastination or cramming.

As long as you keep track of your extra earnings and savings, in the long run, your part-time job will definitely help do wonders to your plans in the future.

Thursday, September 3, 2015

Save Money and Save the World

Save Money and Save the World

Saving money is the game now if you really want to bank on a good future for you and your family. This is one definite way to ensure that you make yourself able and ready for whatever big plans you have ahead, be it getting a new house, buying a car, sending a kid to college or even a grand vacation.

There are many ways to save money. It can range from setting aside a portion of your monthly paycheck or avoiding the little temptations for you to spend. Make it your goal. 

Start at Your Own Home

Saving money should be part of your way of life to make it most effective. It is best that the effort to save be shared by everyone in the family. 

Little Efforts

Do not drive if you really don’t have to. If you can, just take a walk or take the bus. Riding the bike can also be very good for your body. Have a car pool with friends or neighbors. You can also suggest doing errands together like doing the grocery store.

Avoid the little temptations that may come your way. It is naturally fine to reward yourself after a hard work every now and then, but do stay away from splurging. Cut back on your expenses. 

Use Less and Save Energy

Electricity - Turn off appliances that are not used. Turn the TV off if the show is not worth it. Close the refrigerator after getting what you need. Use lower wattage bulb for rooms that do not need much lighting. These will definitely add more data to your savings!

Water - Check for any leaks in your pipes. Always make sure that the faucet is not dripping. Avoid long showers. Use a glass when brushing your teeth instead of leaving the faucet on. 

Phone – Choose a provider that has savings plans especially for long-distance calls. 

Gas - Have your car tuned up so you can save on gas. Get membership benefits also from stations. Fill up the tank when the prices go low. You can also do a research on gas saving cars if you have to purchase a new one. Turn off the air conditioning. If there is no need for that, simply keep the windows open. Enjoy the ride and the cool wind. 

You may not realized this before, but your household’s basic utilities can actually be your key to saving more money. This has a two-way benefit. You get to save some dollars for your family. You also contribute in addressing the energy crisis. 

Wednesday, September 2, 2015

Shop and Save

Shop and Save

You have long known the credit card. It is said to be your ultimate gear when you go shopping. The plastic can even be a best friend to a happy shopper. 

Considering the times nowadays, this plastic seems to be the least practical option out there. It is actually the most convenient tool used for consumption when you are out of cash. It lures you to spend. 

Is there anyway for your credit card to be useful for your saving endeavors?

Yes, actually there are ways that the plastic can be helpful. You CAN actually save money with that credit card. 

0% Balance Transfers

If your present credit card has high interests, you can transfer your balance to one with a low-interest or no-interest at all. It can offer you a 0% interest for a certain period and then a lower regular rate later on. A 19% interest rate can be transferred to one with 16.1%. The 2.9% difference means a lot, especially in the long run.

Lower Interest Rates

Look for one with the lowest rate among others to further maximize having a credit card. This definitely spells savings. If you do not have a balance yet, it is best to look for a card without annual fees.

Take extra precautions, too, in assuming that the lowest interest rate is the best for you. Factor in your buying habits. You may be attracted to the low rates, but the end result may not be desirable if combined with the annual fees and the like. 

Rewards Program

Reward points system and cash back programs are offered now. This can save you money. Maintaining a low balance despite your frequent buys will give you at most 5% off on purchases. 

There are even cash rebates up to 5% when you use the credit card at certain gas stations, convenience stores and groceries. This can be automatically applied to your bill, the more you can feel the savings you are making.

Maximizing the Experience

To reap the rewards, you must avoid the drawbacks. A prudent person will definitely look for the best deals and grab it right away but with some caution. 

Thus it is necessary that you read the details. Check the fees that may be charged and the penalty rates in case you delay. This may be the downside of the deal offered to you. For example, be careful of cash advance features of credit cards. Some of them can be very expensive. They can come with numerous fees and higher rates. 

Be wary! Spending cannot be avoided at times. Just don’t forget your goal, getting a good deal to save.

Tuesday, September 1, 2015

Save So You Can Bank on a Bright Future

Save So You Can Bank on a Bright Future

Have you reached the point when merely looking at your bank statements you get a headache already? You might find your records out of place. You might even find yourself lost as to your current status and accounts. However, this is not a point for you to simply fret. 

Now, you have to take the matters to your own hand. 

Saving Money

Saving money is an important matter. It is something that you have to do regularly to come up with a considerable amount. With the current trends of the economy and the widespread consumerism, it has to be part of your lifestyle as it is your way to ensure a brighter future.

Banking 

Most people who really want to save would maintain a savings account in a bank rather than put it in a money box or under a pillow at home. Putting the money in the bank is really a prudent move. The money is in safekeeping. It is not within your immediate reach, thus it is not within your immediate disposal. It can even earn interest.

Banking Strategy for More Savings

This means organizing your finances. This is where you look at your status, plan ways to improve your standing and make terms work for your benefit. 

Savings Account

Having a savings account is definitely a sure way of getting assistance in your pursuit to save. However, you must be doing the right thing. Your money must really stay there. You actually have to maintain a certain amount to earn interest with your account. 

If you cannot keep yourself from withdrawing, hide your ATM card. This defeats your goal to save and too many withdrawals will incur you fees. 

Long-Term Deposits

Should it prove difficult to keep your savings account balance intact, you can opt to long-term deposits. This is where a certificate of deposit is given to you in exchange of a certain amount of your money. You can get higher interest rate here, so your money can earn more. You are also not allowed to get back the money within a certain period or else you have to pay a fine. The fine should be deterrent enough to keep from spending. 

Features and Offers

Identify among the various banks out there. Consider the features they provide to clients. One bank will offer higher interest rates although you may feel more secure with another bank. Some also give special offers for a certain period. Simply know your options and study the information carefully before making a decision.

Monday, August 31, 2015

You Can Sell Anything on eBay – Or Can You?

You Can Sell Anything on eBay – Or Can You?

Over 100 million people are members of eBay. Through eBay, you can buy items in almost any category that you can imagine – at great prices. You can also sell almost anything you can imagine on eBay – people often sell items that have absolutely no real value for very high prices. There are limits, however, to what can be bought and sold. 

eBay does not allow certain items to be auctioned through their website. Services are one type of ‘item’ that cannot be auctioned – simply because it is not an item. Some seller’s blatantly ignore this however. The sell of other items is illegal, even if it isn’t being sold through eBay. eBay restricts the sale of any type of item that is considered ‘illegal for sale’ in any other selling format. Illegal items such as satellite descramblers are forbidden as well.

Anything that is copyrighted - such as copies of DVDs, CDs, or software - may not be sold through eBay auctions. You can, however, sell a DVD, CD, or any software that you bought legitimately…as long as you are not just selling a copy that you made of these types of items. eBay does not allow the sale of ‘replicas.’ A replica is a knockoff version of designer items, such as purses, dresses, shoes, or sunglasses that look identical to those that have designer labels. 

Items that are regulated by the state or federal government are forbidden on eBay. These items include alcoholic beverages, weapons and firearms, all tobacco products, and both prescription and illegal drugs. There are small exceptions to this rule, however. If you have a collectable, such as a tin that contains tobacco, you may sell that item if the package has never been opened, and if you state the contents of the package are not meant for consumption. There are other conditions that must be met as well when selling these types of collectables.

Any type or breed of animal or reptile may not be sold through an eBay auction. This includes animals that were once living, and are now stuffed and mounted. This rule may also apply to items that are taken from endangered species, such as Ivory. When it comes to these types of items, when in doubt, don’t.

Tickets may be sold, but it is illegal to sell tickets for a higher price than you originally paid for them. This is called ticket scalping, and it is illegal. Lottery tickets are also banned from eBay auctions, as well as raffle tickets. Again, if you are not sure if your item is eligible for an eBay auction, either don’t put it up for auction, or contact eBay to get an answer one way or the other. Don’t risk breaking the law!