Money saving is not always as difficult as it seems. To save money all it takes is a strong determination, patience and try. The New Year is coming very soon and I am sure that you would want to become more financially stable than before in the upcoming year. So you should gear up for that because today I am going to tell you about some awesome and simple tricks that will help you to save a lot of money and it will take you closer towards your dream of financially stability.

There are many ways you can save ……

Making up your own mind to save money is more important than any other thing in the money saving process. You should avoid to buy useless and extra stuff. Your mind should be very clear about your goals because without this firm determination you would not be able to succeed in any sort of environment.

• The first thing you should keep in your mind is that whenever you buy a thing or pay for something always keep your change and do not throw it. These little pennies add up to become Dollars that can help you in future. Although you would be thinking that how this would work but I challenge you to do this and save your daily change in your Jar and after a month you will see how much money you were wasting in your past.
• Secondly, you should be keeping a record of what and where are you spending your money. To achieve the financial stability keeping track of your spending is very important because in the end of the month you would be able to see where you were wrong means where you spent your money that was not much important and at what point you were out of your budget.
• Before buying anything new that will cost much on your budget always think about it that is it that worthy to spend on it? And if it is that important make a plan and do a lot of research and wait for a week or so to get the best offer and discount. A little bit of research before buying a product will help you to save a good amount of money.
• Setting up your saving goals is also a very important part in the money saving process. You cannot succeed without a goal. Making monthly and yearly goals weakens your determination so always go for short term goals like you should set up your daily saving goals and when you will be able to achieve your daily goals these daily savings will become a very big amount.
• Most of the times people tend to buy things just to show off others about their life styles and people tend to live in a life style that they cannot afford and then in the end they go in to a lot of debt. This is a very dangerous situation you should never adopt a life style that you cannot afford and in order to save money for your future you should try to live a simple life. Do not buy things that are not use full to you at times. This habit will help you to keep a better and simple life with a lot of savings.
• Do you know who much you earn for an hour? You would have never think of that before. It is important to know your worth and know what you are earning in an hour. When you want to buy a new thing, do check that how much hours would you have to work to buy that item and then work for extra hours to buy that thing, this will help you to buy the thing without disturbing your regular budget.
• Everyone has dreams that they want to achieve so as you! These dreams tends you to stay more active and determined towards your goals. So you should always discuss your dreams with your friends and family so that you could go according to your plan and stay focused.
• If you buy online then you should wipe all the temptations that tends you to buy new items. The first thing you should be doing is to clear all your browser cookies so that it would be harder for you to make a purchase.
• Using your credit card and debit card properly is an essential step towards money saving. You should always be looking to save money all the time. For this you should never use an ATM that is not operated by your bank because all other banks charge for using their ATM other than your bank. By this you would be able to save your ATM deduction. It is not a bad idea to walk some extra steps to get some extra saving.
• Another step in money saving is that you should stay punctual about your payments. You should always try to pay bills and other payments on time so that you should not be charged the late fee and other fines.
• One general approach towards money saving is that you should hide your Credit card and Debit card. You should not use your credit card for day to day shopping. Make a list of the things to buy and buy them at the start of the month. Do not use your card on daily purposes because it will increase your banking expenses.
• Buying an insurance policy is very important but never buy a policy that effects your budget. Always look for lower monthly plans that does not affect your monthly budget and the most important thing you should do is to check that is your company giving you insurance? A lot of companies have bought insurance policies for their employers so that when they retire they could get a handsome amount. So if your employers pays for your insurance never buy another one.
• If your company does not pay for your insurance then you should buy your own. Before buying spend a time in some research so that you could buy a cheaper one. There are many online tools that you can use to get one of the cheapest polices that you will have to pay less and you would get more.
• Now moving towards your house. If you are paying for a big house and you have spare rooms then you should change your living house. Rent a house according to your need so that you could save more on your monthly expenses.
• Before renting a new house make sure you select the place that suits you and your family, you should rent a house in that area that is closer to your workplace so that you could save more fuel and time.
• If you are paying for debt and you are paying very high interest rates then you should go for lower interest rates. There are hundreds of methods available to get lower mortgage rates. You can also take loan on less interest rate to pay the one with higher interest rates.
• Saving electricity is much important it benefits you and your surroundings too. Always try to save electricity so that you could lower your monthly expenses on energy. Always try to turn off the light when you leave your house. This simple habit will make a good affect in your monthly bill. You should change that appliances that consume more energy with less consuming appliances so that could that also help. The first thing you have to do is that you should change all your bulbs with the new LEDs. These LEDs tends to save more energy. Now for your air conditioner you should try to use the air conditioner as less as you can and try to use a fan so that when it is not as much hot outside you can save by turning off the air conditioner and you should apply an automatic thermostat in your home so that you could save more while you are not in home. These automatic thermostat adjust their temperatures according to your time and your monthly energy expenditure will decrease.
• More simple method to save your energy cost is that you should protect your house from the outside weather. For example in winters you should use window covers to protect your house from outside temperature and in the summers night you should open your window to get benefit from the fresh air to decrease the temperature inside your home. These steps will help you save 40% of your monthly energy expenses.

So here were some methods by which you can save money, these simple hacks are generally applied in your daily life and you can save a lot by setting your mindset as I have told you in the above points. The simple hacks from your banking and house are very easy to apply and I myself have applied each and every point in my life and got the results. Although this do not seems that much attractive but these simple methods worth a lot. Do comment in the comment section below and also share your experience of how your life has changed and how you have changed your approach towards money saving and how successful you were in that?

Have a good day!

Grocery Shopping is one of the important sections of the budget. We spend a lot of money in a month on grocery shopping. To live a life we have to eat and to eat we would have to buy groceries. Thus grocery shopping is one of our utmost need. Now coming to the point, one of the biggest portion of our income is spent on grocery and according to a report of USDA a family of 4 members including 2 kids below teenage and above 6 would spend an average of $642.50 to $1280.70 in a single month. But after reading this article you would be able to spend under $600 dollars on grocery even with a family of 6 members.

You would have to trim your expenses in such a way that it would not affect your diet. By taking steps like that you would be able to save a good amount of money every month. As saving money brings a lot of benefits for you. So let us start from the 1^st idea,

1- Online Couponing and Cashbacks

Now a days, you do not have to spend hours on finding coupons and getting cashbacks. There are many online platforms that help you to use digital coupon and get cashbacks by other means. You can use them to save a good amount of money every month.

One of the sites to find coupons is Coupons.com. You can get coupons for every type of shopping. Cooupons.com is a user friendly website and it is very easy to find a coupon that is suitable for you. You can get hundreds of coupons that you can use to buy grocery items on a discounted price. You can search for coupons and when you find a suitable one you can print that coupon and use it. This site also includes digital coupons. One of the best thing about this site is that it is completely free and they also have a mobile app that you can use to make your saving easier. Make sure you do not fall for extreme couponing and end up with spending a lot of money.

To get online cashbacks, you can use the app named as Ibotta. It is a kind of different from coupons.com as it allows you to earn cashback on the purchases you make. Ibotta is one of the apps in which you have to scan the receipts. To get cashbacks, you will first have to open their app and select the stores in which you want to do shopping. Ibotta works with over 270 stores that include Target, Walmart and Hy-Vee. After you select the store you want to shop, you will then see the number of offers that are available on that store. If you are interested in any offer, you will have to select the offer and after the selection you will have to go to the store and do shopping and after that you will have to scan the receipt. You will receive your amount within 2 days in your Ibotta account. You can use that money wherever you want, you will receive your cashback in direct cash rather than gift cards or other offers. You can also get discount and offers on generic food. Thus Ibotta is one of the easiest and quickest way to save money online.

2- Develop a Meal Plan

As it is important to have a budget to save money, it goes same for grocery section. In order to save money on grocery shopping you should have a meal plan so that you could stick to it. A meal plan will help you in certain ways like you will only buy according to the need of your family or it will restrain you from over spending on grocery and dining-out. Dining out is one of the expensive things, even if you go to a normal restaurant it will still cost you some dollars over the budget. You should try to find inexpensive meals so that you could save money.

To make a meal plan you do not have to do extra ordinary things. You just have to spend some time in a week in which you will have to write down the things you would have to need. Firstly you should calculate how many meals you would have with your family. Try to include inexpensive meals such as oats oatmeal or chicken fajitas. After you write down your meals, it is the time to write down the items that are required for the meals. Some of the items are already in your house such as flour or sugar etc and for others you will have to write down the quantity you will need in the upcoming week. After that write down the extra items that you will need in your weeks such as milk, fruits and bread etc.

After completing your meal plan, when you go for shopping try to stick to your meal plan. Do not buy anything out of your budget and don’t get in to lure of shopping anything extra like chips or soda etc.  When you will follow your meal plan strictly, you will be able to save money.

If you find it difficult to make a meal plan, you can use an online platform named as eMeals. It will help you to plan your meals easily and you would find multiple ideas here. For eMeals, you would have to pay a $5 for a year.

3- Skip Snacks and Processed Food.

One of the biggest budget destroyer is buying snacks and processed foods. Most of the time we do not need these snacks and foods but we still buy them just for fun. Buying pop corns, snacks, chips, cupcakes and other products like that slowly destroys your budget and you end up with over spending at the end of the month. These small things do not make a big impact if bought for once but a habit of buying these things while you go out slowly destroys your budget. If you calculate the amount you spend on it monthly, you will be amazed.

When you are addicted to such junk foods, it is sometimes difficult for you to give up. So if you are unable to give up on this shopping try to replace your junk food products with healthy products. By the time you will be able to give up on the bad habits.

If you give up on your this habit you could easily live in your grocery budget.

4- Shopping from the Sale.

One of the easiest way to save money on your grocery budget is to do shopping from the sale. By this simple way you would be able to save a good amount. look through the ads so that you could find a good deal for yourself, there are some days in the week when some products are on sale so note down the products you want to buy and mark the days on which the products will be on sale. By this you will be able to save on what you are going to buy.

When you are making a meal plan for the upcoming week, try to add the things which are on sale. So that you could spend your week in less amount than you have planned for. For example, if you find apples on sale, then buy it instead of other food products or if chicken is one sale then try to have more meals based on chicken. Thus in this way you would be able to save a big amount for yourself.

Another way to save money while shopping for grocery is to buy in bulk. If you see a sale on the products that you usually use and could preserve, then you should buy those things in bulk. These things may include floor, sugar, baking soda, juices and other products. Thus look for the things when they are on sale so that you could save a good amount. Sometimes there a things that cost less than the real amount if bought in bulk. Thus you should make use of these opportunities to save more money.

One of the thing that you need to take care of is that some of the stores tries to fool you with the word sale and the price they offer in the sale is the same and you can find same products for less from the other stores. Thus make sure you have a knowledge of the products that you are going to buy so that you could not get fooled.

5- Reduce your Food Waste

One of the biggest problem of the modern world is food wastage. According to a study, one third of the worlds is wasted every year. That is a very choking statistics. So you should try to waste as less as you can in order to save the maximum. One of the things that will help you to not waste your food is a menu plan. The menu plan will help you to not buy the things that you do not need. When you are making the meals try to cook the amount required. Do not cook more than your need. This will help you to save grocery. You should also look upon your left overs and you should not throw them away. Instead of that eat them with the next meal you are going to take.

So these were some of the ideas that will help you to reduce your grocery budget or to save money on your grocery budget. These simple tricks would not take much time but you will be able to save a good amount every month. Make sure you take advantage of these in full spirits.

Do comment in the comment section below and also share your experience of saving money from grocery shopping. Have a good day!

We all know that it can be quite exasperating to score a flight at a reasonable price because airline pricing seems like a black box of mysteries which is impossible to solve. When is the best time to fly? When is the best time to book your flight?

Being an eager follower of airline industry and a consumer counsel for over a decade, I have got some true strategies which I have also experienced to score flights at reasonable cost. Some of them are easy to carry out while some of them take some extra time and work but by working a bit smarter you can score a flight at a reasonable price.

Let’s get started!

1. Choose The Cheapest Dates

Till the early 90’s, scoring the cheapest flight always includes a stayover of Saturday night and the reason behind that is the airline would charge a bit much higher fare for business travelers.

Business travelers always tend to fly during the working days of the week and be home on the weekend and leisure travelers typically stay away for a full weekend, and during that time airlines would try to lure them with cheaper and reasonable flights.

In this day and age, airlines price their tickets virgorously. In simple words they can closely track and supply demand, and changing the pricing in a split – second based on what’s going on. For instance your favorite sports team make it into the super bowl, airfares to get to the big game would have already increased before you could even turn off the TV.

Now most of the people must be thinking that how do you get around this dynamic pricing? Simply look for those day that have lower travel demand. Generally, Tuesday, Wednesday and Saturdays are those days in which you can score flights at reasonable cost and Monday, Thursday Friday, and Sundays are often priced higher, because price follows demand.

By choosing a “7 day” or a flexible day view in the price search engine you can test out this theory.

Time of the day matters too in case if you are willing to take a red eye, or the first or the last flight of the day, then you can get a better price.

2. Turn Your Attention To The Experts

There are thousands of consumer and travel experts out there who spend their days keeping the record of travel deals and you see some of them on the TV all the time. Some of them also write columns in different newspapers and some of them are avid travel bloggers.

Either you are looking for cheap hotels, rental cars or a low airfare, when it comes to tracking deals, these counsels are always on the ball.

You can find these experts on their blogs, or on newspapers or you can also find them on their social media page. You can take a start by following few of them and then keep tracking their areas of coverage and accuracy before choosing your favorite expert or two from all of them.

3. Purchase Tickets In Advance

Another way to score a reasonable flight is purchasing tickets in advance but only if they are purchased at the right time. To get more known with that you should take a look on one of the most definitive studies on when to book is an airfare study from Cheapoair.com.

According to the study it says that the best time to book a plane ticket could range from 47 – 90 days from the date of departure, and it depends on the season in which you are flying and your destination. Every year cheapoair conducts this study, so you can check it once in a while to get known with the latest information.

4. Consider Close By Airports

If you got some luck on your side and you are living in a metropolitan area with two or three airports around you together then you can take advantage of those adjacent airports around you.

Such as in NYC you can fly in and out of JFK, Newark Liberty or LaGuardia, and in the San Francisco Bay area you can pick from San Francisco, San Jose and Oakland. These are just a few examples but it makes one thing clear that by driving a few miles away out of your way could cause you to score a cheaper flight significantly.

5. Utilize Frequent Flyer Miles

Miles & point thrive. For that you will need to sign up for an airline frequent flyer program which is totally for free but by this way you can earn miles through hotel loyalty programs and also through credit cards.

All alone in the way the bonuses of credit card sign – up can net you tens and thousands of miles. But make sure you that you only charge what you can pay off immediately.

Travel credit cards have higher interest rates than the average ones, so in case if you run a balance on a regular basis then you can easily pay more than the points bonuses are worth.

At the I would only say that there are many ways through which you guys can score a cheap and reasonable flight successfully, but at the same time be aware of bad advices along the way.

So guys this were the list of the 5 ways to score a flight at a reasonable cost and other than that we have also shared our experiences with you guys. So take a step today and start scoring some reasonable flight for yourself and save some extra cash.

Also we would love to hear from you guys that which one of the above mentioned ways you’ve tried and how did it helped you guys out. So simply drop a comment below and let us know about your experiences.

Good luck and have nice day!