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Frugality

Staying Healthy Even When Down

Even if you are low on cash, it is important to give your health top priority. In fact, this is especially the time to prioritize your health. If you decide not to take care of your health, you could end up in a worse state of affairs, not only physically, but financially as well. Consider your health as your most important investment fund. If you decide not to invest in your body, it could bankrupt you.

Many people consider their physical health as secondary to their financial well-being. While money is important, it is only a means to an end. The purpose of money is to support you and your lifestyle. And it will be used as a means to support you, should you slip into ill-health and need to use it.

Being an American, you really cannot afford to let your health slip away. Obesity is a pandemic in America today. It is costing $150 billion dollars a year. The average American pays $1,500 per year toward obesity related health care costs. These costs come in the form of medications, surgeries, hospitalizations, visits to the doctor’s office, and many other timely and painful formats.

When we talk about investing in your own well-being, it is easy to see why it is a good idea. First and foremost, your quality of life improves as you take care of your body. For every dollar you invest in yourself, you will receive dividends in the form of increased capability and a more positive outlook. As your confidence and abilities grow hand in hand, you will find new possibilities opening up to you left and right. Secondly, as you can see from the figure of $1,500, investing in your body is a sound investment plan. You are going to lose out big time if you let your health slip away from you. Health care is incredibly expensive in America.

If you are having trouble losing weight, consider some B12 injections to get your metabolism going again. No need to feel like it is cheating. You will still need to exercise, eat well, and take care of yourself. The idea behind the B12 injections is that some people genetically are predisposed to having their metabolism slow down. Those people can do all the exercises they want, eat healthy, and see no results. Sometimes our metabolism just takes a little jump start to get us going. After you begin the B12 series, you will find your metabolism picking up. Used wisely in conjunction with a more active lifestyle and healthier diet, you will see results quickly. This does not mean all of your weight will drop off immediately, but you will begin to see that progress is easily attainable and your goals are possible. And do not worry about the cost. This is such an easy investment decision! For as little as $50 you can reclaim your health. So much better than paying $1,500 and the price of diminished quality of life that comes with poor health. Take care of yourself- you deserve it.

Frugality

Useful Tips on How to Save on Groceries

Every day thousands of people do grocery shopping for their families to have good meals and enjoy new foods. However, have you recently noticed that grocery bill requires more and more money than ever before? It’s not really surprising, because the food prices go high every year and nowadays people just can’t afford to buy some of food products they used eat before. When the situation starts to get under control, here are some basic tips on how to reduce money on grocery receipts in the supermarkets. 

Eat before shopping 

Psychologists have proved a long time before: the more hungry you are, the more temptations you are going to meet during grocery shopping. Meanwhile you think it is nonsense, the fact remains: you take extra food and eventually pay more of what you’ve been expecting. Even when you don’t have time to run home for the dinner or so, it will be nice to have a little snack before. 

Planning makes sense 

It’s not going to work the best for your budget, if you aren’t organized in your food planning. Of course, you can easy cash loan here and pay for needed things but it will be better to plan. Thinking about meals for tomorrow or days later should become one of those useful habits to save money in the grocery store. Unless you are aware of what you’re having for dinner today, you won’t have any choice but crashing the store and grabbing the first products on the shelves that seems attractive. 

It’s so simple to take 2 minutes before going to bed to consider your meals for days ahead. Following lists of necessary foods to purchase guarantees no extra grocery purchases. 

Special Deals 

You are going to know about huge sales in the store by advertizing in the local newspapers, magazines and mails, coming every Sunday. That’s why do not consider those paper as a trash: take a look to find out if some of the meals you might want to buy are on sale or clearance. 

By the way, this tip can be useful for basic items, like paper napkins, towels, toilet paper, hygiene supplies and many others things of regular usage. Take a lot of them, if the price is really sweet and probably won’t last for a long time period. Those items are never going to be extra in any house. 

Don’t overpay for brand names 

It’s silly to choose expensive brands out of other good items. Imagine how great you can save just on buying products, that aren’t famous, but still reliable. And do not be afraid to buy things being used to save some cash. If you have not enough money to purchase a new computer, you can buy a used one until you have money to pay for new. 

Don’t be tempted by multiple item sales 

It often happens, that grocery stores offer profitable deals, such as “get 3 for $10” and things like that. Meanwhile you may consider this option a good way to save, you can be wrong: sometimes, if you need less than 3 items, you would rather loose, than win. The reason is the actual price difference form original one that may be just a few cents. Then the offer doesn’t make any sense at all.

 

Taking a calculator from home is the best way to look for only those deals, which actually help saving some cash, not just buying extra stuff that will never be used again. 

Why not do couponing? 

If your parents or grandparents are keen on doing couponing, you might want to follow this habit as well. It doesn’t take that much time to cut coupons out of mail advertizing or so, however with them you’re able to open hundreds of opportunities on food savings. Five or ten dollars of savings each time you go grocery shopping can create a huge amount of money annually. 

Frugality

Finding the Best Prices On Your Holiday Shopping

The holidays are one of the hardest times to stick to a budget. All of a sudden you find yourself overwhelmed with a variety of unexpected expenses including holiday travel, gifts and food.

If you want to stick with your personal finance goals during the holidays, it is important to have a strategy that you use while making your purchases. Here are some great tips for saving money on your holiday shopping.

Use Coupons to Accumulate Savings

Coupons can save a lot of money whether you shop online or in store. Start browsing through weekly ads and look for great deals and coupons at your local retailers.

Additionally whenever you online shop, make sure that you do a quick search on Google for the retailer to see if there are any deals that you can take advantage of, like Bloomingdales promo code. Many times with just a few minutes of searching you can find a coupon code for free shipping, a percentage off the purchase price or even a free gift with purchase. These are valuable offers that can make your holiday shopping much more affordable.

If you do find a free gift with purchase, look over your gift list and find someone who would love it as their gift. There are many great coupon sites out there, but a few to try for online shopping are retailmenot.com and freecoupons.com. You can search for your retailer and can often find a valuable money saving offers.

Another great way to find online coupons is to simply do a Google or Yahoo search for the retailer’s name + Coupons.

Round Up Old Gift Cards

Every year you probably get a gift card or two that you just don’t get around to using. Or you might use the majority of the balance and leave the card in a drawer with a few dollars left on it. The holidays are a great time to round these cards up and redeem them for savings. As you go holiday shopping, cart around your old gift cards and finish up the balances whenever you shop at these stores. If you have a large gift card at a store you don’t regularly shop at, consider using the card to buy a holiday gift.

Comparison Shop

Comparison shopping isn’t the most exciting way to holiday shop, but it can save you some money. Rather than running around searching for the prices on one particular item which will use a lot of gas, comparison shop as you go to stores for other things. Next time you visit Wal-Mart or any other retailer, take a look at their pricing on gifts you are considering and make a note in your holiday notebook.

You can repeat this process each time you go out and when it comes time to make your final purchases, you will know where to go for the best prices. You can also comparison shop online rather easily. Plus, if you have an iPhone, there are a few great apps for help with comparison shopping.

These are just a few of the many great ways to save on your holiday shopping this year. Keep checking back for more tips on holiday savings this year.

How do you save on Holiday shopping?

Frugality

Benefits of leasing and asset finance

Buying property such as a new car or house is not easy due to the large initial cost. However, you may need to own it at some point. Leasing and asset finance is one of the convenient and affordable ways you can get what you need without having to raise a large amount of cash up front. Through leasing, you can use the asset for a decided time after which you can buy the property or return it to the owner. Some of the benefits of leasing include:

Increase your purchasing power

Leasing helps you to increase your purchasing power so that you can acquire better quality equipment rather than settling for something cheaper and most often than not less effective. You may need a vehicle that is worth $2,000 but you only have $900. You can use this amount to lease the vehicle of your choice for the time you need to use it, the actual cost of the vehicle not being a factor. This way, you get what you need without having to compromise due to cost.

Enjoy tax advantages

Depending on the sort of leasing contract that you have, you may enjoy some tax benefits. The availability of these benefits depends on various factors and you can find out more about them from your accountant.

Hedge against inflation

Most equipment prices often depreciate with time and usage. However, when leasing, your payments apply to the use of the equipment. Therefore, you do not suffer inflationary pressures. Furthermore, you are not subject to losses when it comes to resale of the equipment.

Flexible payments

One of the biggest advantages of leasing with http://leasequit.com/and asset finance is the flexible payments that you make towards the leasing contract. These payments plan designs conveniently fit into your income budget rather than going through the pressure of raising a large amount of cash. These flexible payments can also contribute to the hire purchase cost of the equipment if you intend to own it after completing the leasing period.

Leasing gives you options

If you are not ready to commit to a single asset or if you are unsure of the long-term needs of the equipment, leasing is the only way to make sure you do not end up with dead weight that costs a lot of money. Most leasing contracts have provisions for returning, extending or purchasing the equipment after the leasing term is complete. Leasing fits into a wide range of budget allocations.

Enjoy the warranty period

Most leases for equipment such as vehicles run for about three years. This is almost equivalent to the warranty period of a new vehicle. Therefore, the warranty covers most of the repairs done to the vehicle during the leasing period at little or no extra cost to you. However, you also need to play your part in maintaining the equipment in good condition to prevent any penalty fees at the end of the lease.

Frugality

How to Compare Your Utility Company Options

One of the biggest shocks to many residents is that they have a choice with regards to their utility company. Since the deregulation of electricity, many citizens have more than one option. This is not true for every state. But in those deregulated areas, it is possible that portions of the population are not aware that they can choose something else. The first thing you have to do is determine if you are in a deregulated area.

The state of Texas is one of those states that offer citizens a choice of electric companies. Where there is choice, there is responsibility. We have a responsibility to research our options, and make informed decisions about what is right for us. Here are some of the things you should look for when weighing your options:

Deregulated Areas

It is not enough to know that Texas offers areas of deregulation. You can live in Texas and still not have a choice of power companies. If you do live in a deregulated area and are enjoying the benefits, you will want to be sure that your next move is to another deregulated area where you can pick up with the service you had.

TXU Energy is one of the big electricity retailers since deregulation in 2002. A site called Local Electricity Companies shows you where you can get that service. And provides a little information about service in that area. The first, most important thing you can do is arm yourself with where, and what your choices are.

Dollars and Cents

The main thing people want to know about their electric company service is how much their monthly bill will be. While there is no way to know for certain, we can make reasonable guesses. When comparing prices between electric companies, the only number you really need to know is the price per kWh. That is the number each provider can control. The rest are fixed costs like state and local taxes. Those costs will be the same regardless of provider.

The price per kWh can vary widely within a given market. One service might charge a price of 6.59¢ kWh, while another charges over 10¢ kWh. If price is your only consideration, then the comparison math is pretty easy. The state of Pennsylvania provides a handy price chart, along with an introduction to comparing the various services offered in that state.

Beyond Price

If money is the only thing we care about, then we cannot claim the moral high-ground over the greedy and heartless companies against which we like to inveigh. In every case I could find, the highest monthly rate goes to energy options that are 100% renewable. While I cannot tell you exactly why those options are higher, it is not entirely unexpected. In the same way that healthy eating is more expensive than less healthy options, there is a price associated with responsible alternatives. Each individual must decide how important those alternatives are to them.

There is also a matter of service. Monthly savings mean little if the service is dicey. When you call, do you get a machine or a person? If a service call is needed, how much is that visit going to cost you? Good service will almost always cost more than poor service. Often, a low monthly rate is made up by poor service and hidden fees. The important thing is that all of these rates and fees can be known beforehand. For many, quality service and responsible energy management will be more important than the variable price per kWh.

Choice does not just stop at electricity providers. For heating, you might be able to choose between electric or gas. You might also have more than one water option. The important thing is to choose what is best for you. And the only way you can do that is by doing your homework for the choices in your local area.