June 8th, 2017
It’s all in your head! Being financially frugal with your money and putting some away to save is all about psychology. You’ve got to mentally commit before you’re ever going to be able to see the numbers increase. Here are some pretty simple ways to trick yourself into building that savings account.
Get More Tax Refund with Payroll Deductions
We know – manually removing money from your checking account and putting it into savings can be painful. Even having money be automatically taken out every month hurts because you still see that money leaving. Out of sight, out of mind. That’s the moto you need to focus on and the best way to do this is to claim fewer exemptions on your W-4 so extra cash is withheld from your paycheck. When tax season comes around you will get all that extra money back through a refund. You never had to see the amount actually leave your account the whole year so you won’t even notice it’s not there.
Remove Credit Card Numbers from Online Shopping Sites
One of the best moves from online retailers was adding the feature to save your credit card information for easy checkout. I mean think about it. The extra steps at the end of checking out can actually make you not even want to make a purchase on something you don’t even need. By removing all of your cards from all your favorite stores will force you to take that extra step of checking out when shopping online, which in turn, is deter you away from even making the purchase, hopefully. If you are an online shopping addict, you’ll be shocked at how much you can save by taking away the convenience factor.
Make Yourself Think You’re Broke
When your checking account is overflowing with cash it’s easy to spend money like you’re a celebrity. Easy way to fix this- make it look like you’re broke. Figure out the base amount you’ll need to survive and put the rest in a separate checking account that’s not connected to a card. Just the fact that looking at your main checking account and seeing a low number will be enough to put you on guard to think twice about every purchase. And if it gets to the wire, you can always transfer some back. But make sure it’s just enough to get you through. Once payday comes back around transfer whatever is left in the second checking account into savings.
Transform Your Routine
Change things up and make expensive routine things in your life either be scarcer or completely disappear. Take smoking for instance. Cut back or completely quit. Not only will it be a lot healthier, but you will also save a lot. Do you have a routine of eating out with friends multiple times a week? Try making a new tradition of eating dinner at each others house and everyone brings a dish. This one definitely takes creativity, but if you can find ways to switch out expensive routines for cheaper ones then you will be one your way to saving some green.
May 18th, 2017
Love it or hate it, Walmart is one of the largest super markets in the U.S. and their competitively low prices are what draws so many people to the retail giant. It’s no secret that you can save a substantial amount of money by choosing to shop at Walmart over stores like target, but did you know there are even more ways to save. Below you will find some of the secrets to rolling down those prices even more.
1. Utilize the Price Matching Policy
Part of Walmart’s lowest price guarantee is their promise to price match any of their competitors prices. This means if another retailer has an item for a cheaper price, you can bring in the advertisement or a screenshot of the deal online and they will match the price.
This also goes for their own website. If a product is listed for a lower price on Walmart.com than in the store, they will honor the price listed online.
2. Use a Gift Card for Gas
The Walmart Gas Gift Card is a sure fire way to save on gas. Get a discount on gas at any Murphy’s USA Gas station when you pay with a Walmart Gas Gift Card. You can add any amount from $10 – $1,000 to the card. The amount you can save per gallon changes throughout the year, but right now you can save 3 cents per gallon when using the card.
3. Hold Out for the Last Mark Down
If you want to know when an item has been marked down to its lowest amount, you got to look at the last digit in the price. Yep, Walmart uses a numbers code that distinguishes what level of clearance an item is. Items with prices ending in 7 are the original price. Items with prices ending in 5 are the first markdown, and Items with prices ending in 1 are the final markdown. So if an item is still fully stocked and it’s priced at 5.95, hold off a couple of days and the price will drop even more.
4. Download the App
Another easy way to utilize even more savings at Walmart, is using their app. The app lets you create shopping lists, check in-store and online prices and availability, look at the weekly ad and more. On of the best features is the Savings Catcher. You simply scan your receipt using the app and it will compare prices at local stores, including current advertised sale prices. If there is a lower price at another store, Walmart will credit you the difference on a gift card.
5. Get a Free $10 Gift Card
MyPoints.com is a site that pays you to print coupons and shop online. Right now they are running a deal where if you spend $20 at Walmart they will send you a $10 gift card. It’s extremely easy. All you have to do is Sign up for MyPoints, follow the directions on how to use the site, and spend $20 on Walmart.com. And that’s It!
July 5th, 2016
It’s the age-old question. Does money buy happiness? Some studies have shown that if spent the right way, money can in fact buy happiness, but the notion that having more money leads to more happiness is not always the case. Don’t get us wrong, having to stress until payday definitely doesn’t contribute to someone’s happiness. Money may be the answer to happiness related to materialistic things or less stress because of financial stability, but there are certain things in life that money can’t buy. Here is a list of 10 things that are very valued, yet no amount of money can buy them.
Money will definitely bring friends, but true and loyal friendships can’t be bought. A good friend can at times be a life necessity. There through the good times and the bad times, an honest, trusting relationship with someone is something to cherish and hold on to.
“ A friend is one that knows you as you are, understands where you have been, accepts where you have been, accepts what you have become, and still gently allows you to grow.”
Being a hard and diligent worker will not only set you on the path to moving up that corporate ladder, but it is also a major reputation builder. Those with a good work ethic are respected and trusted by their peers. It’s a very valuable asset in life and shows true character in a person.
“Opportunity is missed by most because it is dressed in overalls and looks like work.”
All you need is love. Love is one of the most powerful and strong emotions that contribute to ones happiness. To love and to be loved is not just something that is wanted by individuals but is needed by all.
“Love cures people, both the ones who give it and the ones who receive it.”
– Dr. Karl Menninger
You can spend thousands on a college education at one the most prestigious schools, but when it comes to real-world experiences you can’t pay a dime for it. You have to put yourself in situations to gain relevant and real life experience. Wisdom is attained by succeeding and failing throughout life, which is exactly what gaining experience is all about.
“ The only source of knowledge is experience.”
– Albert Einstein
Some things in life are beyond our control and being able to cope with unexpected downfalls and not letting them affect our mental state negatively is having peace of mind. Peace of mind gives us freedom from stress and greatly contributes to our overall happiness.
“Promise yourself to be so strong that nothing can disturb your peace of mind.”
–Christian D. Larson
Heard of the saying, “time is money?” Well once its gone, you can’t buy it back. Time is a valuable thing because everyday that passes is one less day you have on this earth. What you chose to do with your time contributes tremendously to being a happy or unhappy person.
“Time is what we want most, but what we use worst.” –William Penn
It’s all about perspective. Positivity can go a long way to creating a happy state of mind and it’s not something you can just pick up at the grocery store. Being a positive person not only spreads good vibes to your peers, but also contributes to lowering your stress level.
“ We can complain because rose bushes have thorns, or rejoice because thorn bushes have roses.”
– Abraham Lincoln
A good reputation is gained by your actions not by your bank account. Though you may get a reputation because you have money, having a good reputation comes down to a person’s character and how their interactions on a daily basis affect others negatively or positively.
“Its takes many good deeds to build a good reputation, and only one bad one to lose it.”
Don’t get a talent confused with a skill. You can pay to learn a skill, but a talent is something that comes naturally. Talents come in many forms, and everyone’s talents are not the same, which makes them a thing of value. How you use your talents can greatly define your happiness.
“Doing easily what others find difficult is talent; Doing what is impossible with talent is genius.”
–Henri Frederic Amiel
Putting in the time and effort and successfully completing a goal or task is one of the best feelings in the world. Unfortunately you can’t bottle that feeling and sell it. It takes good old-fashioned work to create the satisfying feeling of finishing something.
“Much of the stress that people feel doesn’t come from having too much to do. It comes from not finishing what they’ve started. “