LifeStyle

How to Budget and Save Money on a Budget

It seems that everyone out there is asking how to budget and save money now days but what are the best ways to do so.  Hopefully some of these tips and techniques I have rounded up help you stay on top of your budget and save the money that you need. Start buying your items in bulk to save yourself some cash in the long run.

 

How to budget and save money – Planning

A lot of bulk stores are around that will allow you to save money in the long run on items that you are going to use. I always tell my friends that if they are struggling to make a rent or house payment then they probably shouldn’t go out and try to buy or lease a new car. When you are on a tight budget you have to do everything you can to save yourself money and that includes not taking on another payment that you may or may not be able to make. See, learning how to budget and save money is something that needs to be practiced in all walks of life. If you need a new car then try to find a good used or pre owned model because it is going to be cheaper and they are often just as dependable. A brand new car off the lot is definitely not the answer on how to budget and save money.

You honestly wouldn’t have to budget your money so strictly if you were just making more income, but sometimes that is harder for some than others. However, if you make money online as a side job it can often help you stay on top of your finances and still be able to do the things that you love to do. Online marketing has become the way that I make my income full time and if you are just looking for something on the side this would be perfect too.

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By Lawrence Tam, ago

Ways to save money on a tight budget

It is no surprise that we all want ways to save on money, especially in this wavering economy. I have heard and seen a whole slew of different money saving tips and tricks over the years and if you are looking for some, these tips and techniques may help you out.

First off, if you are frequently going out to concerts, clubs bars or movies then you may want to consider cutting back on some of that in order to save on money. Shoppers are always people looking for ways to save money on a tight budget but really all they need to do is cut back on their shopping habits. For the serious shoppers you have to wean yourself off of the addiction by shopping at thrift stores, on days with deals or avoiding any shopping temptation all together.

Even with this electronic world we live in there are only about 4 hours of television being watched each day in the average household. Getting out and enjoying free and fun activities can be one of the best ways to save money on a tight budget you can find like going hiking, walks in the park, jogging or even free public workouts in the park where available. Plus, saving money on a cable bill will definitely help you save some money at the end of each month. (more…)

By Lawrence Tam, ago

How To Retire Early And Tips You Can Use

Even people in their twenties want to know how they can plan to retire early but with the economic states of numerous countries, it is hard to determine is that is a real possibility or not. Sure, you may be able to actually retire at an early age but will the money you be bringing in monthly be enough to cover all of your expenses? Knowing how much money you need each month will really help you out in determining when you can actually retire. I can see why quite a few people get overwhelmed when they research how they can retire early because it may require you to have quite a bit of money. If you really want to know how to retire early one of the best places to start is looking at your own income.

If you have noticed that the income you currently make will not provide enough retirement money to support you then you may need to come up with a Plan B. For those of you who are young enough, you may want to consider doing another job somewhere else in order to make the amount of money in retirement that you will need. (more…)

By Lawrence Tam, ago

Best Cities to Retire In?

While Florida and Arizona used to be the best cities to retire in now days there is a list of some different kinds of places! Apparently the cliché Florida retiree bit just doesn’t fit the mold for everyone out there. This is mostly in part to new retiree ages and they are of a whole different generation than the baby boomers were. The new generation of retirees seems to be attracted to different things and these cities have made the list for being the best to retire in, and here is why.best cities to retire

 

Best Cities To Retire In

1.      Austin, Texas: The amount of people ages 55-64 have increased by 110 percent in Austin just in the past 10 years and it expected to go higher than that. Austin Universities and city colleges have started offering classes that allow people to continue their education and this is one of the reasons it has become one of the best cities to retire in.

2.      Atlanta, Georgia: Thanks to the diversity and low cost of living in Atlanta more and more retirees are choosing the Peaches State to live out the retired part of their lives. In the suburbs of Atlanta you can really find low costs of living but plenty to do as far as keeping yourself busy.

3.      Portland, Oregon: With so many parks, trails and activities for retirees to participate in no wonder Portland is one of the top cities for people to retire in.

4.      Boston, Mass: Whether it is the history or the beauty, Boston has definitely increased the number of retirees and potential retirees in the past few years.

5.      Milwaukee, Wisconsin: If you can stand the super frigid winters with snow this beauty of a city may appeal to you. While it is a bit too cold for me it seems more and more people are choosing the beautiful but cold scenery to retire to.

6.      Sante Fe, New Mexico: Warm weather, breath taking views and very rich history are just a few of the things that make Sante Fe one of the best cities to retire in. (more…)

By Lawrence Tam, ago