I’m not sure if you’ve noticed, but things in life aren’t exactly cheap. Rent, food, gas, insurance, phone service, and so on. It’s easy to get so wrapped up in the day-to-day expenses that you don’t realize how much money you’re wasting on things you don’t need. It’s just human nature to want more, to buy more, but sometimes you just have to say NO. Saving money is an important part of everyone’s financial plan. It is a way to make sure that you don’t overspend or get into debt. Of course, saving can take different meanings in different contexts, that is, for individuals and businesses. For individuals, savings can…

We have all heard the tips to save money on day-to-day spending: switch to generic brands, carpool, avoid fast food and takeout, coupon, etc. These are all great tips for saving small amounts of money on your regular, everyday purchases, but there are some things that you are probably spending money on that you don’t even realize. For most people, determining how much money they need is not difficult. If you know how many bills you have to pay, and if you have a handle on all the day-to-day expenses you incur, it’s easy to come up with an estimate. But, do you have a handle on all of your…

Deciding when to start saving for the holidays is never easy. Should you start now? Should you wait until closer to Christmas? How much should you be saving each month? The answer to all of these questions depends on where you are now. If you already have cash set aside, then you can probably continue saving. If you do not have cash set aside, then you need to start saving as soon as possible. With the flurry of Thanksgiving sales starting this week, it’s the perfect time to start thinking about holiday shopping. But that can be a bit of a buzzkill, not to mention a pricey one. Unless, of…

Money is essential as it caters to the good flow of an economy along with the products and services that help it grow. But in a specific manner, focusing on our daily expenses, are we able to use the money to cater to our needs and expenses effectively? How can we ensure that we are saving aside from spending? In a world where everything is uncertain, having savings may not only be a helpful asset when you are faced with contingencies but could also prove beneficial if you later decide to invest in stocks or gold/silver (like many precious metal buyers do) to generate some extra income. So, these are…

Budgeting might seem like a difficult task; a lot of people say it’s difficult, but it’s not that hard. Sure, it doesn’t come naturally to everyone, but the more you focus on creating a simpler, more secure financial future for yourself, the more natural it will become. Remember the good old days when it was easy to save money? There were plenty of fun things to spend money on, but saving for a rainy day was as simple as putting money in a coffee can. However, the good old days may be over. Nowadays, it’s getting harder and harder to save money, but it’s not a lost cause. The key…