Saving

Saving Money Versus Paying Down Debts – Which is More Important?

The key to financial freedom is learning how to manage your money. So, when you know that you have debts that need to be paid but you also realize that building up a savings is vital, what do you do? Truthfully, there isn't going to be a default answer that is going to fit everyone's circumstances. On the other hand, there are general rules and tips that are pretty much universal. Read on to learn whether you should focus on paying your debts or saving more. Consider How Much Debt You Ha...
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Top 10 Ways To Save On Home-related Expenses

Banks have sold the idea of homeownership as being an integral part of the American Dream. And, why not – having a piece of land and an abode to call our own is alluring. No more fighting with landlords and inconsiderate neighbours. No more questionable neighbourhoods and badly-maintained rentals. Shortly after moving in, though, the honeymoon ends. From the first big maintenance bill to the cost of heating in winter, there’s no doubt about it – owning a home ain’t cheap. (1) Make you...
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10 Best Ways To Save Money On Groceries

Are your grocery bills too high every month? Ever wondered what you can do to cut down your spend? Well, thanks to the guys at Cashlady, here is a helpful list of the 10 best ways to save money on groceries. 1. Use coupons Coupons are a great way to save a few pennies. There are always lots of offers available on a whole range of popular brands. When you use them across a variety of products you’ll soon notice how much money it will save each month. 2. Lookout for deals You’ll a...
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How Modern Shopping Trends Affect Saving Habits

Consumer spending in America hit 14.1 trillion dollars during quarter three of 2018. How we spend plays a big role in how we save. If you want to accumulate wealth, looking at the freshest shopping trends will help you to understand how others save money by changing their own shopping habits. The hottest trends in shopping are purchases made via mobile devices, pop-up shops and automated subscriptions. These trends show that consumers are looking for deals that might be hard ...
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Infographic: How Have Savings Initiatives Changed Over Time?

These days, in our modern world, many of us have our finances organised with share ISA accounts and pension pots but have you ever thought about where these came from, or how each savings initiative has changed over the years? This posed question is explored in the graphic below, by online investment company, True Potential Investor. Did you know… that the first known building society formed for groups of individuals who were looking to help each other to buy property? Or that the Bank of En...
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4 Ways To Plan A Smart Retirement

Retirement is a matter of concern for almost anybody across the world. Once the inflow of income stops, the reserve funds always seem to run out faster than expected. And soon, people face a terrible financial situation where they are forced to compromise on a lifestyle that they have become accustomed to their whole lives. (more…)
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Are High-Deductible Insurance Plans A Great Way To Save Money?

It's sad when you look at your pay stub and see the disparity between your gross and net pay. That beautiful gross figure gets whittled away by so many deductions like Federal tax, Medicare tax, FICA, 401K contributions (if you participate in this), and of course, health insurance premiums. A decent health insurance plan can really put a dent in your paycheck. A decent health insurance for your entire family is downright painful. But what other options do you have? You need to be prepared for...
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Saving Money With Refurbished Electronics

So you want to enjoy the awesomeness that is a smart phone, or get your hands on a tablet, or maybe acquire that gaming platform that accommodates your favorite game, but you realize, much to your sadness, that your budget is not as generous as it could be. So, that's that, then. No new electronics for you! Come back next year! But then again, you don't have to do without, if you're willing to go the refurbished route. Although for some people there's a certain stigma attached with used equip...
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How To Be Frugal With Health Insurance

Sooner or later, everyone needs health care. Health insurance may seem like an unnecessary expense when you're young and healthy, but it can pay off when you least expect it. It may be difficult to shell out your hard-earned money each month, but it is an investment not only in your well-being but also your peace of mind. While it's an important expense for everyone, there are ways to cut your costs and slim down that monthly bill. How healthy are you? If you're in good health and have a h...
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