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Christian InTech Articles - Mobile Cell Phones
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10 ways to help you plan your home office for productivity, and comfort
Some home offices are set up in a dedicated area just for the business, but most people need to have a family room, bedroom, or guest room do double duty. Getting focused about what you need your home office to do for you will help you buy the most...
How to Maximize Sales by Minimizing "Windshield Time"
During the late 1980's I was a field sales representative for a computer distributor, selling computer systems and peripherals in and around Los Angeles, California. The traffic was horrendous, and the time I wasted driving to and from...
Managing Time in a Fast Paced World
Managing time in a high-paced world is never easy, but when we
have the right tools, it certainly is obtainable. If stress is
getting you down, you are not alone. Many people today are
suffering stress because of the fast pace. Although stress is...
Phone Interviews: Prepare to Ace Them!
More companies are saving time and effort by doing initial telephone interviews before committing themselves to hours of time assessing and evaluating applicants. They are doing this because, frankly, it's a good way to save a team's time from...
Why Online Mortgage Quotes Don't Always Give The Best Rate
There were days when getting something mortgaged or financed was a big hassle. People had to survey the entire market in order to know about the existing rates and other details. But now things have drastically changed. Now you can familiarize...
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Thirteen More Ways To Save $100 A Month
To save $100 a month, you need to spend $3.25 a day less than you do now. Does that sound so terrible?
With a little bit of ingenuity, you can pull it off without having to live like a recluse hermit. And, once you are in the groove, you can use that $100 a month — $1200 a year — to fund your exotic vacation habit, pay off those student loans, start a business or sock away for your early retirement. Here are a few more tips to get you on track for your savings goals.
1. Go vegetarian. If you can cut meat out of just three meals a week, you can shave between $15 and $25 off your grocery bill. If you do that for an entire month, you’ve already saved yourself $60 to $100.
2. Never buy new. eBay, Half.com, and the Amazon marketplace are your friends. If you just have to have it and can’t resist, take the time to look around for the best deal, or have the willpower to wait for the sale. Check out your local freecycling Web community or Craigslist and see if you can get what you need for free.
3. Don’t hit the pop machine or the vending machine at work. Those 50 cent sodas and 65 cent candy bars add inches round the middle and break the bank. Drink water with lunch or stock your desk drawer with healthier, cheaper snacks you picked up during your regular grocery stop.
4. Pay your bills online, and save the 37 cent stamp. If your bank charges you for online services, get on the phone and haggle. Sometimes, they’ll lower the fees if you threaten to move your accounts to a competing bank.
5. If you have credit card, student loan or mortgage debt, pay weekly or biweekly instead of once a month. It’ll save you serious dough on interest charges, which accrue before your due date, and will help you pay off your balance faster.
6. Use energy at off peak hours. If you call your electric company, they can let you know if your area offers lower rates during off hours, usually in the evening or late at night. Running the dishwasher or your washer/dryer during off hours can cost you 40 % less.
7. Don’t overbuy at the grocery store. Are you the proud owner of a drawer full of wilted lettuce and broccoli? Time to stay on top of exactly what is in your refrigerator and make sure you eat it before it goes bad.
8. Give yourself a cash allowance — and stick to it! Give yourself half of what you usually spend every week on eating out, entertainment, movies, video rentals, etc. and vow to spend not one penny more. Use cash only, not credit or debit cards, so that you actually have to peel those 5, 10 and 20 dollar bills off the wad when you hit the check out. It’s a
bigger eye opener than just signing the slip when you hand over your card. It's bound to make you realize how much you are spending on frivolous things.
When you run out of allowance, don’t spend another dime. Over time, you’ll relearn what you knew when you were 8 years old — saving up for something makes it much sweeter when you finally get it.
9. Refuse to pay for parking. In most towns, you can save yourself the cost of a lot or a meter by taking 10 extra minutes to drive around looking for a free spot. You’ll probably have to walk a few extra blocks, but the savings really adds up.
10. Evaluate your cell phone. Are you getting stuck with extra fees? Are you constantly using more minutes than you planned? Either send an email instead of calling to reduce your minutes or get on the phone and haggle for a more affordable plan.
11. Ditch the cable television. A lot of people think of cable television as a necessity,rather than a luxury. But with monthly plans hitting you for $30 to $100 it may be time to either switch to a basic, cheaper plan or dump it all together and brave the networks like your parents did in the 1970s. If you think you can’t live without TV, start slow —turn it off for a week. You’re bound to find you have a lot more time to do all those little projects — like learning to knit and writing the great American novel — you have been putting off for months.
12. Revaluate fee services. Look at all of the things you have signed up to pay for every month — satellite radio, Tivo, Netflix, Internet fax — and decide whether or not you really use them enough to get your money's worth. If there is an alternative that costs more upfront but is cheaper in the long run, go for it and cancel your service.
13. Get that stylish new haircut — at the local beauty school. Forget $50 or more for a cut, color or style. Head to the local beauty school where you can get it for half price or less.
About the Author: Denise Trowbridge is an award-winning journalist residing in Ohio. Her work has appeared in newspapers and magazines across the United States, as well as on her site http://www.DeniseTrowbridge.com. Denise is also the editor of the women's Web magazine, http://www.PussycatMagazine.com.
Source: www.isnare.com
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