Smart Ways To Save

Jul 05

Saving money is more important than ever during these tough economic times. The cost of housing and even food has gone up, which is why more and more families are living paycheck to paycheck. Many people can’t even survive on their paycheck, which is why it’s good to know how to cut corners and spend less on everyday items. You can’t stop buying food, but you can shop differently so it’s cheaper without sacrificing quality. The trick is knowing what to spend on and what to cut back on. Here are some money saving tips to help you get the most for your dollar.

Watch For Hidden Costs

I know you’ve heard it before but the best way to stretch a dollar is to spend it only when you have to. People spend on things that are completely unnecessary because their convenient and appear to be a bargain. For example, sending clothes out to be washed is a huge waste of money. Yes, it’s nice to not have to wash and fold, but it’s expensive. They put up signs saying ten cents a pound to make you think it’s cheap, but over time it adds up. Either do the clothes yourself or invest in a washing machine if you are allowed to have one where you live. You can get a quality machine for under $500, which is a lot less than what you pay a year at the Laundromat. Plus, it’s even more convenient because you don’t have to go anywhere to get your clothes clean. Bonus: you don’t even need a dryer, you can hang your clothes and save even more.

Forget About Name Brands

Having a designer name across your butt may look good, but it’s not going to feel so good if you have to eat canned soup for a month to pay for them. When it comes to clothes, unless it’s for your teenage kids, you don’t need to have everything you own be name brand. For women especially, as long as an outfit looks good and fits well no one will notice where you got it from. Store brands, like Target or Old Navy, have some great pieces at great prices. Shopping in these stores means you can buy five shirts instead of one designer one. Plus, often times the more expensive pieces are not made any better than the less expensive ones. If you have to have a designer name, buy one signature piece, like a jacket and keep everything else simple. You will be amazed at how much extra money you have by the end of the year.

Decide What You Need Versus What You Want

You may want to have every cable channel, but do you really need the full package-especially if it’s costing you $50 more? Step back and evaluate your monthly bills and see where you are spending necessarily. Do you pay for unlimited internet on your phone but never use it? Consider switching to a lower data package then. It’s good to have service if you need it, otherwise why pay extra? Do you have every cable channel but only watch two of them? Downgrade your package for big savings. Cable companies are notorious for their high prices, so if you don’t watch it you don’t need it. The same goes for other household expenses like ordering out. Treat yourself every once in a while, but don’t make it a habit. If you do order out and the place is nearby pick it up to avoid delivery charges. These might sound like little savings but they will accumulate throughout the year and you will see a difference.

Buy Smart

Don’t buy something just because it’s on sale. This is a big mistake many of us make: we see something that is 50% off and think it’s too good a deal to pass up. You may think it’s foolish not to buy it, but that fact is it’s foolish to buy something just because it costs less. Unless it is something your house needs, like a new computer because yours just died, wait until you have extra spending money. You may not realize it but a lot of stores have “sales” that aren’t sales at all. They will raise their prices a few weeks before, then drop it for the “sale”, so in reality you aren’t getting a discount at all. If a price seems too good to be true it’s because it probably is. If you’re going to buy an item on sale, make sure it’s really worth it.
Saving money can be a struggle, but if you’re smart eventually it will get easier and you will have more money for the things you and your family really need. More importantly, saving now means living the good life later. You are taking steps to provide for you and your loved ones for years to come. No one wants to work during their later years in life. They’re called the golden years because they are meant to be enjoyed. Save now, spend later.

 

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Stay-at-Home Mom to Save Money

Jun 19

Being a stay at home mom, for a long time, has been taken as a waste of time and money. Most people are of the opinion that instead of staying at home, a mom should be out there looking for money to help pay the bills. Others think that by being a stay at home mom, a lot of time is wasted instead of being channeled to something useful. In my opinion, both ways of thinking are wrong. Absolutely wrong! Every woman who chooses to be a stay at home mom does it for the sake of her children. They time she spends raising her child is not a waste of time; it is an investment in the child’s life. In terms of money, being a stay at home mom helps you save money, not waste it. Wonder how?

 

Eliminate daycare expenses!

Instead of taking your child to the day care every single day as you go off to work, you get to spend time with your child as you take care of him or her. Since you don’t go to work and take care of your kid, there is no need for you to take him or her to the day care. Neither do you have to hire a nanny. Apart from cutting the daycare expenses, you get to teach your kid the basics of life, watch him or her grows and be there during every stage of their childhood. In addition, your kid gets to enjoy full adult attention as opposed to the daycare. There, the helps are put in charge of many other kids and it may be hard to give them full attention.

Less Cleaning and Dry Cleaning Costs

When you leave for work every day, early in the morning and come back late in the evening, you have no time to do your cleaning. Because of this, you will find it necessary to hire a house help to do these chores for you. If not so, you will have to take your clothes to the dry cleaners and call for cleaning services once in a while. On the other hand, if you are a stay at home mom, you will have plenty of time to do the cleaning yourself. As a result, there will be no need to hire a house help. Besides, you will be able to clean your house thoroughly using your preferred method of cleaning. You get the chance to look at your house every single day and be satisfied knowing that it is the work of your hands.

Opportunity to Earn the Unconventional Way

The most annoying thing about going to work is being bossed around. The very thought of answering to someone who only cares about profit and getting work done is kind of annoying. When you are a working mom, you have no choice but to work for someone, make them profit and carry out their orders. If you escape this, you get to be the one who gives the orders only you will have more responsibilities on your shoulders. Being a stay at home mom gives you a chance to make money in an unconventional way. In most cases, you always are your own boss. You work at your tome of convenience, it gives you time to do house chores and look after your kid. In addition to all this, these jobs pay well.

Working is Expensive

It costs money to make money. When you go back to work you will need a number of things, from clothing to travel money on a daily basis. Depending on where you work you may need a whole new business wardrobe or a complete set of uniforms. You won’t have to go shopping every week, but the initial trip can cost hundreds and you will have to maintain and update it every so often. Then there is the money you will need to get back and forth every day. Public transportation is getting more and more expensive and can take a big chunk out of your budget. If you can’t use public transportation and have to drive there is the added cost of gas every week. You may even need to park in a garage, which will get real costly really quick. Finally there is the daily cost of food and drinks. Even if you bring lunch you will still end up buying waters or juices, not to mention snacks if you get hungry late in the day. All this can add up to big spending and little saving.
Most people think that being a stay at home mom is boring and a waste of time. The fact is, being a stay at home mom is the best thing a mom can be as long as she has small kids. Besides raising your kids, you get to save lots of money and even make some.

 

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Think Like A Woman: Spend Less and Save More

Jun 19

Women, particularly stay-at-home moms, get a bad rap for being irresponsible when it comes to money. They are portrayed on television and in the movies as being obsessed with shoes, bags and any other little trinket they can get their hands on, without a care for where the money is coming from to pay for it. TV has exacerbated that image and seared it into our brains to the point that women themselves have fallen for this gross characterization. In reality though it is women who are the more frugal, practical spenders. Here’s why women don’t spend as much as you think they do.

Women Don’t Have Time For Spending Sprees

Contrary to popular opinion, stay-at-home-moms do not have hours to spend in the mall looking for the perfect pair of Louboutins or to get a massage and facial. They are called stay-at-home-moms for a reason: they have children to take care of. For anyone who has kids you know that kids require 24 hour monitoring, especially if they’re under the age of 8. So as great as it may sound to spend a day at a spa it’s just not realistic. There are chores to do, noses to wipe and meals to make.

Women Know How Much Things Cost

Women are programmed to be fair, which helps when it comes to money. Women are usually the ones who go shopping for household items like paper towels, cleaning solutions and other every day must-haves. So they know how much something should cost and when they’re getting a good deal and won’t overpay. Men will buy blindly, not realizing a $10 box of cereal is beyond absurd, where as a woman will make her own cereal before paying that much when she knows she can get it for less. Since they are the primary shoppers they understand that certain “sales’ aren’t sales at all and are savvy enough to go elsewhere to get what they need at the right price.

Women Actually Spend Less Than Men

A 2010 study by the National Retail Association finds that women spend 19% less than men. This includes the big holiday period at Christmas as well, where it turns out that men spend 3% more than women. Plus, they have less to work with to begin with. Yet, the myth of big spenders continues. Even worse, men also tend to buy higher priced items than women, according to the National Retail Association, thus adding to the spending difference.

 

Women Use Coupons and Discounts More Than Men

A survey done by the Harris Institute for CouponCabin shows that 44% of women use coupons whereas only 38% of men do on a regular basis. The same data shows women are likely to take on average 40% longer to consider a purchase than do men, and this time is more likely taken up with price comparisons.

Women Put Their Families First

Most moms will walk around in sweatpants with holes in them if it means their husband and kids can have the very best. Moms are hard-wired to sacrifice for their families so when they do shop it is rarely for themselves. They are conditioned to put others needs before their own, so instead of looking for the perfect dress or jewelry shopping they will save every last dime to get their daughter the doll house she wants or get her husband tickets to the game. The last thing they are thinking about is going on a shopping spree for themselves.

Women Are More Practical

Men have a reputation for being business-minded and practical, but that description is better suited to women. They have an innate knack for budgeting and sticking with it. They can be very analytical and will bargain shop and haggle to stretch a dollar. They know that sending clothes out to be cleaned when there is a washer and dryer in the house will save time, but not money. Men though, will only see that it is one less thing for them to do. Men do not have that same tendency: they usually rely on their wives to set a budget and the idea of haggling is a foreign concept for most of them.

Women Can Control Their Impulses

This is probably the biggest misconception when it comes to women and spending. People believe women are ruled by emotions and will buy what they want when they want no matter the consequences. That couldn’t be further from the truth. Men are the real impulse buyers; they are visual creatures and if they see something they want they will but it without thinking it through. That’s why when men go to the supermarket they come home with more things that weren’t on the list than women. Women can step back and say, “I don’t need that”. Men just think, “ I want that”.
As you can see the idea that women are extravagant spenders is grossly misconstrued. Women are actually the ones to keep the household running smoothly and efficiently without going into debt. Men and women can both go a little crazy at times, but on an everyday basis it is women who spend smart and save for a rainy day.

 

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Encourage Your Child to Work Part Time and Save More Money

Mar 04

Your child can now get a degree even if you don’t have enough money by working part time.

Not everyone in this world is born with a silver spoon in the mouth. There are those who live within their means. If you are among these people, then you have to make the most out of what you have. This might be sad, but this is the reality that you have to face. Therefore, you cannot promise a perfect life for your kids. However, this does not mean you will just stay where you are forever. You can do something to ensure that you and your kids will have a better future. This is by making sure they graduate and get a degree.

Paying for studies is not easy

Studying these days can be very expensive. This is why a lot of students are drowned in students’ loans. If you don’t want your children to suffer from the said problem, then encourage them to work hard. They can manage their time between studies and work. You can recommend them to work part time so they can pay off some of their expenses. Instead of dropping out of school, they can work and continue their study. This is not something to be ashamed of. In fact, a lot of students are doing it. As long as they work for a decent job, then there is nothing to be embarrassed about.

Working at a fast food chain

One of the best ways to earn money these days is to work at a fast food chain. There are a lot of job that they can work on a part time basis. After their class or in between classes, they can work for the restaurant and be paid hourly.

Subway, for instance, has provided help to several students who wish to work part time. They don’t just employ these students, but they also provide training. With the help of this training, students learn not just how to work for the restaurant, but other important life lessons. When they enroll for the said program, they are assured of providing quality service to the customers. The training is not just made for fun. It is a serious program with an actual module being followed. As soon as they finish the course, they can provide the best services possible.

Start now

If your child wants to finish his studies, he needs to make a move now. If he has no time to undergo the actual training, he can check out Subway University online training at http://trainingdone.com/subway-university-online-training/. In doing so, he can learn at home or at school. Once he has completed the program, he can now work for Subway. The skills learned during the program can also be used when applying for other jobs in the future. Thus, this decision will ensure a bright future for your child.

If your child thinks that working for a full degree that lasts for at least 3 years is difficult, then he can enroll in short courses. There are short courses that provide a stable job and a good pay. For instance, he can be a paralegal. You can check out more information regarding a nurse paralegal salary and opportunities here. Hopefully, your child can make the right choice.

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Tips to Save Money when Buying New Faucets

Mar 04

Buying new faucets might seem easy. However, when you start checking out the options, it can be very confusing. If you need one for your kitchen and another for your bathroom, then you might also spend a lot. Thus, if you wish to bring home the best kitchen and bathroom faucets possible, without necessarily blowing up your budget, then you just have to follow a few tips in this article.

Check the water supply line

You have to understand that not all types of faucets are compatible with a specific water supply line. Thus, it is important to ensure that you choose compatible faucets only. Otherwise, you would have to buy another faucet and this cost a lot. You can also ask someone to check the lines for you and recommend the best faucet option.

Determine most suitable faucet for your kitchen theme

Just because you wanted to save money does not mean you have to look for the simplest looking faucet. Of course, you also have to consider the best faucet to match your theme. For contemporary kitchens, there are tons of choices available. You can in fact go for customized faucets. However, this might be a bit expensive. Again, when choosing a faucet that matches your theme, make sure that it is good enough, but you don’t have to splurge.

Read reviews and recommendations

It might be easy to find a local shop that sells faucets. However, you might have other options that will give you the same faucet, or even better, but at a much lower price. If you can’t do it, then other people can help you out. You just need to read some reviews and recommendations. If you wish to get the best kitchen faucet reviews, you can go here. On the other hand, if you are searching for the best bathroom faucets, go to www.kitchenfaucetkid.com/best-bathroom-faucet-reviews. Don’t forget to read a lot of reviews and don’t make decisions just because you have read one negative or positive review about a specific model.

Go online

If you have limited options in the area, then it is not a problem. You can check out some options online. In fact, you might be surprised to see that a lot of these online products are cheaper. Though you have to pay more for the delivery fee, it could still be worth it. If the online shop has a local branch, then you can just pick the product from their outlet and not pay the delivery fee anymore. Just be careful or else you will be fooled by online scammers. You will know it if they offer unbelievably low prices and they seem to not have a reliable website to begin with.

Check the warranty

This is important so if the faucet is not functional, you can have it replaced or your money will be reimbursed. You might also get service warranty. This means that you don’t have to pay for repair and other issues.

Once you have followed these tips, you will get an affordable faucet, but of high quality.

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Save Time and Money with Electric Rice Cooker

Feb 27

Electric rice cookers are basically pots without or with protected surfaces, which are intended for cooking rice (and other types of food) while keeping continuous temperature of cooking (more details can be found here). In addition to cooking functions, most of the cookers have keep-warm or preprogramed settings to keep the food warm until the entire meal is ready to serve.

What are the advantages of using Electric Rice Cookers?

  • As a mom you always want to have things in your house that can save your money and time. Cooking usually takes a lot of time, especially when it comes to cooking rice. It is quite a long process to properly cook rice. Using an electric rice cooker can cut your cooking time significantly while also allowing you to do other things at the same time.
  • Performance is one of the reasons why most of moms prefer to use electric rice cookers. The results are frequently better than cooking on a stovetop, which can partially be explained by the differences in stove’s host spots distribution (ie not all parts of stovetop are equally hot) and the need to continuously stir the cooking rice. Good electric rice cookers don’t have these problems and cook rice perfectly all the time.
  • Ease of use and convenience are additional factors favoring electric rice cookers. When cooking with a stove you are required to monitor rice at all times, to make sure that water doesn’t boil too much or spills out. When you use an electric rice cooker you don’t need to stay at it and keep an eye on it during the entire time of cooking – it takes care of rice on its own! The cookers with keep-warm settings add yet another convenience level.
  • Another advantage of using an electric rice cooker is that it uses less energy than an electric stove, so you actually save money every time you cook with it. Contemporary cooker models can also cook soup or other foods, besides rice, so you end up saving even more on the electricity bill.
  • Comfort is another advantage of rice cookers. With the use of an electric rice cooker you reduce the amount of heat produced in the kitchen so you can keep it more comfortable in hot climates. It saves you time, while allowing for more enjoyable and efficient cooking.

Cooking always required you to spend a lot of time to achieve good results.  Not anymore. With electric rice cookers you can cook perfect rice every time without spending a lot of time on the process itself. The saved up time you can then use to focus on other elements of a meal and get even better results there – a sort of a domino effect of great cooking. And while you are achieving great time savings, you also end up saving money on electricity bills. Double win!

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How Juicing Can Help You Save Money

Feb 22

One thing that makes juicing very popular is that it is actually a money saving thing. Many people who juice actually have a bit more money available for them to do as they wish. Also, they are getting plenty of health benefits while they are at it. Naysayers can talk all they want, but juicing is an inexpensive way to add nutrition.

There are plenty of ways that juicing saves you money. It is also the simplest way of getting more nutrition in your diet. Among the ways that juicing saves you money are:

1. Many fruits are cheap.

2. Some of the tools for juicing are cheap

3. Juicing machines can save you money if well maintained

These are just some of the ways in which juicing saves you money.

Juicing vs Cartons

Another way that juicing saves you money is because it saves you the trouble of buying bottled juices. Bottled juices often go through a process that not only loses nutrients, but also increases costs. You are left paying a lot more money for nutrients you can get from half of the fruit. Even juice mixes are a waste of money. You can mix your own juices. You don’t have to look for cartons for your favorite blends of juices; you just have to buy the elements and mix the juices together. You’ll get the same great taste with even more nutrients included.

The Cost of Fruit

Depending on the supermarket, you can buy the fruits for your favorite blend for lower than a carton. Put the elements into the juicer, and you’ll get your favorite three-juice blend. Since most supermarkets charge by the pound, most fruit you get costs less than a dollar. If you go to a discount market, you’ll save even more money on fresh fruit for juicing.

The Cost of a Juicer

Juicers are sold starting at less than $100. If you want to review the best juicers on the market, please visit: http://www.juicerfanatics.com/juicer-reviews/. The price you pay depends on the features that come with it. While it is good to pay little money for a juicer, you do get what you pay for. Instead, you want to find a juicer that will do the best job possible. If you try too hard to save money on a juicer, you might end up wasting money on juice. Find a great juicer, which can be achieved through research. See what consumers recommend and look at those products. You may spend a little more money initially; however, you’ll save money in the long run.

Conclusion

Juicing can save you plenty of money over time. You just have to be responsible in shopping, using and maintaining the juicer. Proper cleaning between uses is very important. Another thing you want to do in order to save money is to take advantage of sales. There are always sales in the produce section that could save you hundreds over time. There are also certain markets that sell produce for a very low price. This is where comparison shopping can work wonders, as you can find where the lowest prices are and take advantage. However, fruit must be checked for freshness.

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All on a Budget

Feb 19

With all of my experience as the mom, I could successfully manage a major corporation!  I am an excellent multi-tasker;  my organizational skills are fantastic; and, my ability to juggle a budget is hard to match.  My husband, who is a manager, wholeheartedly agrees.  He says when I get ready to go back to the workplace, I can certainly make a case for it on my resume.

I was an anesthetist, and after our third child, my husband and I decided it would be easier and more beneficial for me to stay at home with the kids while they were young.  It’s been great being able to watch them develop, and not missing out on all of the little things that we often don’t see when working long hours outside of the home.  Although going from a two-income household to a one-income household has been challenging.  We have had to watch our spending,  but it has been worth it, and we have even noticed that there were areas in which we were overspending.

What I really enjoy is being able to be involved in my children’s extracurricular activities.  My daughter is in dance, my son plays soccer, and my oldest son is into archery.  If you have children, you know there are all kinds of fees associated with their activities including uniforms and equipment.  But, my kids are learning so much about teamwork and other principles that will be instrumental in their lives.

At first I was concerned because my older son could not seem to find an activity that he was interested in.  We tried football, baseball, soccer, track – he just wasn’t feeling any of it.  My son is 9 and he is a huge fan of Robin Hood.  I think he likes the concept of taking from the rich to give to the poor.  Anyway, one day he said, “Mom, can I do that?”  I asked him what he was talking about.  He explained how he wanted to shoot a bow and arrow like Robin Hood.

I talked to my husband about it and we were ecstatic!  He finally found something he was interested in.  I looked into archery classes, and was delighted to find that there were a lot of resources, even summer programs and camps.  There was a fee for registration and for classes so I had to be sure to write that into the budget.  I also needed to find him a good bow.  Even though he was just a beginner, he needed a quality bow.

My first thought was that a bow and some arrows really shouldn’t cost too much, but I was mistaken.  You can tell I know nothing about the sport.  After visiting some local archery shops, I found that bows could be quite expensive.  A friend suggested that I do some research online which is what I did and was pleasantly surprised.  There were many options for beginner bows and they were reasonably priced within my budget.

So now instead of watching my son lounge around telling me he is bored and not interested in this or that, I am now smiling and proud as I watch him compete in his first tournament!

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Easy Tips On How To Save Money On Your Home

Feb 16

For most of us, our house is the biggest expenditure we have. It doesn’t matter whether you’re a proud home owner or a renter – your house will be expensive. You have your mortgage or rent payment that need to be made every single month, and on top of that you have your utility bills and general expenses such as furniture and appliances. If that’s not enough to burn a hole through your pockets you also have necessary repair and maintenance of the property. All these unavoidable costs can luckily be reduced,  and this articles will give you some quick tips on how to save money on your house.

  • Many people avoid making repairs. I do too! But research has shown that making repairs quickly can save you money in the long term. So stop procrastinating and take action on all those repairs you’ve been putting off. If you’re handy, do them yourself. If you can’t tell the difference between a hammer and a screwdriver like me, then get multiple quotes from handyman in your local area to find the cheapest one. Always compare multiple quotes before hiring a handyman.
  • Heating and air-conditioning is the major expense in my household. Statistics show that in 86% of households, heating is the biggest home-related expense. So this is where you need to focus on when trying to look for ways to save money. A quick way to reduce your electricity bill is to make sure you close all doors and windows when the heating or air-conditioning is running. A quick calculation shows that just by closing your closet doors alone, you’ll save approximately $50 a year. It’s really that easy!
  • Another easy way to save some money is by ensuring your home insurance payment is not unnecessarily high. For example, by taking some simple steps, you could reduce your insurance premium by up to 40%. The quickest way to do this is to upgrade some basic security. I slashed my premium significantly by upgrading the locks on the front door. I used a licensed locksmith in Anaheim Ca to install new locks and buy a small safe for my valuables. You can get an online locksmith quote from http://californialocksmithking.com to see how much it would cost you to upgrade your home security.
  • While we’re on the topic of home insurance, I have found that most people overpay significantly on their insurance payments. While the above is a great tip to save some money, the fastest way is to actually compare some new home insurance quotes and change insurance company if you find a cheaper deal.
  • Most electricity providers will offer discounts when using electricity outside of periods of peak demand. Call your electricity provider and ask them about cheaper tariffs. It might be possible to save between $20 and $30 a month if you run you’re dishwasher and washing machine outside these peak times.

These are just some of the many tips you can implement today to start saving money. Remember, these cost savings won’t actually diminish the quality of your life – you’re not losing out, you’re just being smarter. If you like these tips, let me know and I’ll add a bunch more in another article. At my house, we’re always looking for ways to save some money!

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The Practical Mother

Feb 15

My very own mother introduced me to the idea on how to save coupons and use them when the going gets tough. At times, until now, this couponing thing is what helps me, my husband, and our three children get through. To help me plan on how to use the coupons, my mother always asked me to do the groceries for our family back then. Not only that but she also put me in charge on how to plan a menu for our whole big family. This is something I really want to thank her for.

After I got married, my husband and I had to make ends meet with just enough budget to get us through for food, bills and with very little to no luxury at all. This was so because he was still finishing in law school. This increased my creative ideas on how to budget properly with our measly income combined. I know it may sound funny, but it did make me happy whenever I got the best value for my buck.

One of the best ideas that my husband and I practiced back then was to set a monthly cap on our grocery spending. At the beginning of our married life, we set the cap at $35 per month. And this was where the couponing thing that my mother taught me came in handy.

Another thing that my husband and I put into practice is that whenever we needed to purchase a big household appliance or equipment, we always made sure that we get to read some information about these things before we go out to buy them. From our experience, reading about these products always lead us to making the best decisions we had to make.

Take for example the time we needed to purchase an aqua ionizer for our drinking water. It certainly served us well that we first read some aqua ionizer deluxe review, good ones actually, from this site so we had enough information as to which one to purchase. Hence, we got value for our money.

here.

Thanks to my mother for teaching me how to make ends meet, to my husband on being supportive on how I manage the household finances, and to our children for enjoying the simpler things in life we were able to purchase our very first home just recently. In no way will I be able to succeed in doing these things without the support of these people whom I hold dear to me.

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Alternative Careers to Choose from to Earn More Money

Feb 14

There are a lot of ways to earn money these days without studying the usual courses that people take up such as Medicine or Accounting. In fact, doctors, lawyers or bankers are not the only people who can earn a lot. If you wish to take an easier route, but still be compensated highly, then check out other career options. This article will discuss two career choices that you might want to push for and why they are perfect for you.

Paralegal

Paralegals are basically administrative clerks in law offices and firms. They are entrusted some of the most important jobs of a lawyer. A lot of cases can’t be won without the help of a paralegal. They expedite the entire process and the burden becomes lesser for the lawyer. In short, if you take on this job, you will be like a lawyer without actually being one. The time it takes to get a diploma or degree as a paralegal is a lot shorter. You also don’t have to take the bar exam. You just have to pass a certification test. If you really want to know the details on how long does it take to become a paralegal, you can go here.

Benefits of being a paralegal

To entice you to be a paralegal, you have to realize that the pay has gone a lot higher these past years. This is due to the amount of responsibility that the paralegal can take on according to the law. The good thing about the pay is that it is on an hourly basis and you also get lots of bonuses. Being a paralegal requires working overtime. This means that you will be paid more. There are also a few paralegals with a very high demand. In short, you can choose the best place to work where you feel extremely comfortable and at the same time, you can even bargain for your compensation. Firms will run after you as soon as you get certified. To top it all, being a paralegal is satisfying knowing that you can help other people a lot, but you don’t get the same burden that actual lawyers get.

Veterinary technician

If you don’t want anything that has to do with law and you are an animal lover, you might want to be a veterinary technician. You work alongside an actual veterinarian. It is like being a nurse to the animals. You are given the task to check the animals and get their vital signs. You can also administer anesthesia and other basic medical stuff for animals. You also serve patients and take note of what the vet says. For pets that must undergo surgery, you are also allowed to assist during the actual operation.

When you plan to be licensed veterinary technician, check out more details at http://veterinarytechnicianguide.com/.  You will find out that it is a very interesting career path which is financially rewarding. It can also expand your knowledge about animals and be more caring of their welfare. You also feel like you are not working at all since you are dealing with animals that you have always loved in the first place.

Check out these career alternatives and start planning now.

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How to Make and Save Money

Feb 10

Do you ever wake up and are just stressed about your finances? I would say the majority of people around the world do stress over money. You probably would be surprised to see how many people stress over their finances everyday. I know there are times when you just feel like you cannot catch a break. Just when you think you are caught up with everything life will throw you a curve ball. My house got flooded last year. I had to contact my water damage information. Sometimes it may seem like a never ending cycle. But the key is to not stress over it all. I know that is a lot easier said than done, but trust me it can be done. Just a few things you do each month can help out in the long run. In the world we live in today so many people are always looking for that quick fix. Well, life does not always have the quick fix formula out there for you. Lets look at a few things that you can do to save a few bucks here and there. Also there are some ways you can make a few dollars along the way too.

Something that has gotten really popular nowadays is people using coupons. And I have seen many people use coupons to save a ton of money on their grocery bill every month. It is all about the timing of the coupon and when certain stores have deals on that product. I know I use to always just look through the sales paper and not think much of them. But now it is a pretty good idea to get your local Sunday’s paper just to get the coupons that come with it. Once you have a coupon book you will need to look at the sales paper and compare the two for the best deals. I know there are times when you can be buying certain products for pennies. This takes some time to get use to but trust me it is worth learning how. You honestly can cut your grocery bill in half once you get it.

Have you ever wished that you could just make a few extra bucks a month? Oh, I think we all have before. I know most of you have heard of eBay. If you are like me and have a ton of old stuff in boxes. There are people out there that are willing to buy your junk from you. It is fast and easy to set up. Another way is to take online surveys. Now if you try to going this route it will take more of your time than selling stuff off eBay. I have taken surveys that take at least 30 minutes to finish. Also sometimes you may not make the cut of the survey. Because many surveys are looking for a certain clientele. But making a few extra bucks a month can help tremendously throughout the year. And with all the money that I made and saved that year we were able to purchase products from SIP trunking provider to try and help me start an online business.

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Tips on How to Save on Your Family’s Health Care Costs

Feb 06

Health related expenses take a big chunk off the household budget. This doesn't even include the bills you would need to take care of when a member of the family gets sick. Even if you have insurance, you will still end up getting slapped with an expensive hospital bill. This is why it is very important to make sure all the members of your family are in optimum here. As they say, prevention is always better than cure.

However, there are instances that certain medical treatments are really necessary. The good news is, there are actually ways you can save on your family's health care costs. Curious? Read on.

1. Take advantage of medical tourism.

If you've ever watched documentaries about Bangkok, you probably already know that it is the mecca for affordable plastic surgery procedures. People from all over the world fly there to get breast augmentation, gender reassignment surgery, a noselift, and so on. They're willing to travel all the way to Thailand to get a procedure done because despite the airfare and accommodation costs, the total expense is still a whole lot lower than if they got it in their own country.

However, Bangkok is not the only place where medical tourism is rampant. Dental clinics that specialize in veneers in Atlanta have noted a significant increase in the number of out-of-state patients that come to them for treatment. This is because porcelain veneers from Atlanta dentists only cost half of what those in Los Angeles and  New York would charge patients.

If you or any member of you family ever need to get a medical procedure done, make sure to do your research to see if it would be cheaper to get it out of state.

2. Go generic!

You may have noticed that more and more people these days are choosing to go generic when it comes to medications. They're significantly cheaper but equally efficient. The only difference is generic medications are "unbranded" which means companies that manufacture them don't spend money on patents, branding, and advertising. As a result, they are able to keep generic medications affordable.

A word of caution though – avoid buying from online pharmacies no matter how attractive their prices may be. But if you have to, make sure to do a little background check on the company so you are assured you will be receiving quality prescription drugs.

3. Get a comprehensive health insurance policy.

While it may seem expensive, comprehensive health insurance policies will help you save a lot of money in the long run. How comprehensive should you go? Well, dental care is always a must when it comes to health insurance. Next, make sure your policy covers illnesses you have a family history for. Most importantly, the coverage should include the most common types of procedures kids are subjected to like treatment for injuries, viral diseases, and so on. It would also be beneficial if your health insurance covers emergency room visits and wellness checkups.

 

However, the best way to save on medical expenses is to make sure your family is always in optimum health. Encourage your kids to live a healthy lifestyle by serving nutritious food and making sure they are physically active. Also, educate them on the benefits of healthy living as early as possible so they will be mindful of how they treat their bodies.

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Accidents are Unavoidable, You Have to be Prepared

Feb 01

As I’m sure we all know raising children today is not easy. Raising three is three times as hard. There are all sorts of events in a young child’s life that can leave a permanent impact. That why we parents, especially mothers need to make sure they are always safe and happy. But from time to time things happen that we cannot prevent.

You can try your best, keeping an eye on every step your young children take. I know I do my best, but it is only that millisecond, almost as fast as one blink, then, Bang! That’s how it was for me.

It was just another afternoon, just like any other, but actually more quite and calm. My youngest was just playing with his blocks being as quite as can be. I watched him play for a few, they can be so adorable around his age. Then, the phone rang, I didn’t even have the chance to get off the couch. It was within the few seconds it took to turn my head towards the ringing phone and back towards him.

Somehow he managed to crawl over, climb the coffee table and trip. It wasn’t the fall, but how he landed. Children fall and bump their heads all the time, I know that. But he really got hurt. On his way down, somehow managed to grab a glass mug and fall on top of it. I jumped, but didn’t see how severe the problem was until I reached over to pick him up.

There was a crack in the cup and blood on the ground, I nearly fainted. In that second I imaged a million possibilities and explanations for the blood, each image worse than the last. Once I got a handle on myself, I realized what had happened I was relived and terrified at the same time. Relived that it wasn’t life-threatening, terrified because his earlobe was split a quarter of the way. I wiped him off, patched it up the best I could and we were quickly off to the doctor’s office.

Luckily, the doctor said the injuries were not severe and a band aid may be all he needs. But as time went on, we noticed that it did not heal correctly. A nasty scar ran across his ear. As he grew older the scar started to deform his ear’s shape. I finally got too the point when we had to do something.

A friend of mine refereed me to an otoplasty surgeon right here in NYC , I quickly made the appointment and had the operation done. So, here we are now, it has been about six months and I’m happy I made the move. It is almost as if another had ever happened. His ear is in great shape and I make sure to pay extra attention every time. It can just happen that fast.

I know this isn’t one of my regular posts, I just felt as if it is time to share little bit of my personal life. We often get carried away and set aside our more human aspect. I’m a mom and we all some times make mistakes.

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Rats In The Attic? 5 DIY Rat Removal Tips To Save You Money On Pest Control

Jan 31

If your home has a few resident rats that you cant seem to get rid of, what should you do?

Getting them out is the obvious answer as they can present a threat to your family, but pest removal services can be extremely expensive.

Have you thought of getting rid of your house rats, do it yourself style? It’s a great way to save money while solving your pest problems once and for all.

Small openings along the roof, doors and in the crawlspaces could lead to problems such as rats in the attic. These furtive rodents are quite clever and they can discover an entry point no matter how tiny the space may be – all they need to do is to wriggle through the opening and then your home becomes their property.

Here are 5 tips that can help you get rid of rodent problems in your home, DIY style:

Step 1: look for entry points.

The first step is to find out exactly where your house is vulnerable. Each of the openings must be identified from basement to rooftop. Yes, this is going to take time. You will have to check for the trails of poop, greasy brown stains and the unmistakable signs of chewing and gnawing. These are the clues that will lead you to the entry and exit points that are in the walls, eaves and corners of your home. Then you can plug the openings to prevent the creatures from continuing to turn your house into their private subway system. Sealing the openings can be difficult and requires great care and skill.

Step 2 – try using a cat to scare them away.

Get a cat-a big, mean tomcat that has a huge appetite for catching and eating rats and mice. This method does have potential, though it may not get rid of all the rats from your home. Rats are very clever and they can figure out lots of ways to stay out of the cat’s path. If you have rats in your attic, trapping and removing them may be more difficult, since they have the ability to hide in small nooks and crannies. If you find yourself in this situation, it’s recommended that you hire a pest removal expert.

Step 3 – use poison to kill them.

Some people  look for poisons such as rat pellets and place those in locations where the rats are most likely going to find them. The problem with this DIY idea is that you have to be absolutely certain that the rat bait is not going to be eaten by kids or pets. Poison can help you get rid of the rats, but it is not 100% foolproof nor is it guaranteed to work.

Step 4: use a rat trap.

Select a trap and trick the rat. Those monstrous rat traps with the spring trigger design are dangerous and can break an unwary finger. Sure the snapping trap can catch a rat, but only if the rat directly crosses paths with the device. Instead of cheese, a bit of nut butter is often the most attractive bait to use with these types of traps.

There are some commercial sprays and powders that can kill rats. These are often better left in the hands of experts who specialize in pest control techniques. Instead of these products, why not saturate some cotton balls with rosemary or peppermint oil? These aromatic oils repel many rodents and you can place the cotton balls in your attics, closets and basements. The scent of rosemary and peppermint might help you to rid your home of these unwanted rodent visitors.

Step 5: keep your home clean.

While rats in the attic are a common occurrence, these furry creatures can bring diseases into your home – and they are much scarier than you may have once thought. Rats destroy electrical wires, wood, plastic and other building materials. They also spread bacteria and viruses with their faeces and urine.

Here are some simple, obvious tips about keeping your home clean:

  • Always keep your home clean.
  • Reduce clutter.
  • Do not let food scraps accumulate in the rooms of your home.
  • Take the trash outdoors on a daily basis.

If you practice these simple rules of cleanliness, rats will not likely re-infest your house as conditions are not ideal for them to live there.

Using the above advice you have the ability to remove rats (and other household pests) from your house with a budget of approximately $20-$30 rather than $200-$300 – much cheaper than using a pest removal expert and more effective if you follow the instructions closely.

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