Month : January 2013

Frugality

12 Money Saving Grocery Storage Tips

Most people spend a lot of their income on groceries. All too often these groceries expire or rot and are simply tossed out. When this happens you are literally tossing money down the drain. You work hard for your money and learning to store your groceries properly will help you to keep more in your pocket. This money can be used to have a little extra fun or to pay down debts.

At the Store

Proper grocery storage starts at the store. Learning to be careful about what you buy will help ensure that your groceries will last longer once they arrive home. These tips should be kept in mind as you shop.

Don’t Buy More than You Can Use

Perishable products can only last so long, even when stored properly. If you buy more than you can use you will have to throw things out. Start making a grocery list and take it with you. It is better to buy a little less than you think you will need and run to the store again later than to over purchase and throw things out.

Pay Attention to Dates

In an ideal world everything at the store would be fresh and at its prime. In reality some items are just days away from expiration. Before buying anything, look at the expiration date. Ask yourself if you will be able to use the item before it expires. If the loaf of bread you are considering will expire the next day it is best to choose something else or to come back for bread in a day or two.

Strategically Make Your Way Through the Store

If you immediately head to the frozen foods your items will start defrosting before you ever leave the store. This can cause things to freeze together later and to spoil faster. Start with non perishable items like canned food then head to produce section and finally pick up cold items like meats, milk and frozen food.

Go Right Home

Your groceries will last longer if they are put away as quickly as possible. When you are finished shopping head home immediately. Don’t stop by the post office or a friend’s house first. If you live a large distance from the store you might want to bring along a cooler to ensure that your cold items stay cold and that your frozen food doesn’t start to defrost.

At Home

After you finish shopping it is important to store your food properly right away. It can be tempting to put off this task for a few hours, but you should always store your food immediately if possible. The sooner it is stored properly, the longer it will last and the less that you will waste. Here are some tips for storing food at home.

Freeze Immediately

If you buy meats in bulk or buy fresh items that you are planning on freezing for later it is important to get these items into the freezer as quickly as possible. Remember that once your freeze items you should only defrost them once. This means that you need to package items into single use packages so that they will be easy to use and defrost later. Always mark items with the date before storing them in the freezer. As you defrost items, use the oldest ones first.

Throw Out Old Food

Did you know that moldy food can make other food spoil faster? If you have fruits and vegetables that are past their prime, throw them out before storing any new foods in your fridge. It is a good idea to clean out the fridge before you go shopping. This will give you a better idea of what you have and what you need and then it is ready to be filled when you return home.

Be Careful What You Store Together

Some foods can make others ripen more quickly. For example if you store ripe bananas by an unripe pear it will speed the ripening process. This can be great when you want to hurry it along, but can result in rotten food if you aren’t careful. Also many foods absorb odors and flavors from other foods. If you store your apples and onions in the same crisper drawer you will find yourself throwing out the apples since they will taste like onion.

Keep Food Safety in Mind

Food safety is very important to consider when storing foods. Don’t store your meat products near your fruits and vegetables. Since meat tends to drip it is a good idea to keep it on the bottom shelf of the fridge. If you want your milk, eggs and butter to last longer always put them back in the fridge as quickly as possible. If you only need 1 egg, don’t leave the whole carton on the counter while you make dinner.

Think About Longevity

Some foods last longer than others. When you shop you can purchase a variety of foods that spoil quickly and that last so that you have plenty for the entire week. That being said it is important to use the foods first that will spoil first. For example if you have a bunch of organic fresh spinach and carrots, it is best to use the spinach first and the carrots later in the week.

Look at What You Throw Out

Each week look at what you are throwing out. Calculate how much you are wasting. This will help you to better refine your shopping practices and to get a better understanding of how you are using your grocery money.

These food storage tips will help you make the most of your grocery budget. The key to financial success is using what you have wisely and these tips will help ensure that you are wasting less food and money each week at the grocery store.

Frugality

Why Dont Coupons Work?

Why don’t you use coupons? Probably because you don’t think they’ll save you anything, or you feel like it’s too much work?

Both of those are crap excuses. It’s because you don’t want to save money. It really is. If you could take one hour out of your life each week to clip coupons and planning your dinner for a week and end up saving $50, That equals $50/hour. Is that worth it? Of course it is. Who wouldn’t want to get paid $50 for 1 hour of sitting on your butt and cutting things out.

You better not be raising your hand!

Or better yet, what if you’re about to buy something online. It takes 2 seconds to Google Gap Coupon and save $20. There are lots of sites out there that are made to save you money. Why aren’t you doing it? What’s your deal?

After a long day of work, are you tired? Does your job pay you $50/hour? If it doesn’t then clipping coupons should be a piece of cake. If it does then clipping coupons should be a piece of cake compared to what you normally do for that price.

But one of the best reasons why coupons don’t work is because you don know how to use coupons. You don’t know the saving power they can get you if you do use them. The day will come when you have no choice but to use them so that you can keep your house. When that day comes you will say to yourself “I should have done this a long time ago”. Yes, you should have! Then maybe you wouldn’t be in that situation.

So do me a favor, Google how to use coupons and educate yourself.

Knowledge really is power!

Don’t let money go to waste. Use it wisely because someday you may not have as much. Then you’ll be sorry you didn’t appreciate it more. A lot of people are feeling that right now and maybe you are too. It’s never too late to start.

 

Business

Allow me to explain

Legal terms and notions can be difficult to understand if not working in this particular field and dealing with them on a daily basis. That’s why is it useful to do some research in order to understand what you have to resolve and what’s the best way to do so. 

The first term I’d like to discuss is professional negligence. This is closely related to the duty of care between professionals and their clients. Normally, one expects to be treated equitably by others, especially when assistance with legal matters is needed. The situation in which such professionals fail to provide top quality services leads to professional negligence for which they can be held responsible for. The worst case scenario when thinking about neglect is related to medical personnel and doctors. When they do things the wrong way, another person’s life is endangered and that it should not be left unpunished. Nonetheless, when a bank employee miscalculates the rates one has to pay, the financial situation will clearly be affected. But that cannot be compared with being healthy. 

Second in line is interest rate swap miss selling. This occurs when a client or a smaller company aims to borrow a certain amount of money from the bank in order to improve the financial situation and afterwards return the sum within a set period of time. The highest risk when it comes to such loans refers to terms, rates and conditions you are agreeing to when signing the contract. The person working for the bank might fail to provide all the necessary information regarding rate which can be excessively high leading to the client end paying double or even three times more than they originally needed to. Reading everything before signing and agreeing to anything is crucial in order to avoid such errors. When one is involved in such a case, legal action should be taken as soon as possible. 

Proceeding legally means that the client takes the case to court, suing solicitors and attempts to gain compensation for the loss he has suffered due to the mistakes done by employees. The case is then observed and researched by the judge who then decides if it is fair to provide the person pressing charges with certain amounts of money which help recover the financial loss.