If you are a smartphone user then I am sure you have heard of and probably use Evernote; however, if by chance you do not know about this amazing free program – you should do yourself a favor and check it out.
It really simplifies and promotes the act of capturing and syncing all kinds of information. Evernote is not limited to smartphones, it has a desktop client for all major desktop operating systems.
Trent over at The Simple Dollar has a great article on 7 ways he uses Evernote to improve his finances.
The 7 ways are:
- track my spending on the go
- jot down prices for comparison shopping
- take notes if someone lets me in on a bargain
- keep track of potential investments
- jot down product research notes at the library
- keep a convenient schedule of automated transactions
- keep track of gift ideas for people
If any of these items would help save you a little time, a little stress or a little money – then his articles is definitely worth a read.
See it here: Seven Ways I Use Evernote to Improve My Finances
ABC News has a great (rather lengthy) article on saving during tough times. They use several real live examples of people in varying situations and how they are handling savings during these really tough times.
The articles goes over:
- Who Are Your Dependents?
- What Industry Do You Work In?
- Where Do You Live?
- If You Lost Your Job, What Would You Be Willing to Do?
- Do You Have Access to Credit?
See the article: Saving During Tough Times: Five Questions to Ask Yourself
Here is the print version (all on one page and no ads)
Funerals are very emotional events for everyone involved. Unfortunately, most people are in the wrong state of mind to make sound decisions especially large financial decisions.
Because of this, it is no surprise that many people are very unhappy with the decisions they made and many find that they have placed themselves under more financial pressure.
It is known how expensive funeral arrangements can cost these days. Most people do not properly plan ahead so when they are under such emotional distress they just agree to whatever it takes to make it end.
Please read these Funeral Money Saving Tips while you are in right state of mind and (heaven forbid) if find yourself having to deal with making funeral arrangements, you will be able to make financially smart decisions to save $1000s of dollars.
MainStreet.com has a great article which covers several money saving tips including cremation, burial, caskets and more.
See it here: Save Money on Funeral Arrangements
David Komonce over at Examiner.com has a good little article which explains how just saving a little bit of money over a long period of time really adds up.
It is a short article but I like how he shows real numbers to show you your potential savings.
Have you ever thought to yourself about the really wealthy people out there in the world? You see stories about millionaires having big houses, cars and expensive clothes. Do you honestly think these people have money? Nope, they don’t. A person who shows off all they have in assets in this fashion is usually the person who does not have money.
Wealthy individuals usually do not spend their money to show off, they spend their money because they can and do. People who are really wealthy live a quiet life, you see less of them on TV or in the news. In order to be like a wealthy person, you need to spend less and make more. By this I mean cut back on your sporadic spending sprees and decrease your debt. The key to being wealthy, really wealthy is to invest your money when you can.
Investing ten dollars here and five there is not exactly what I mean, but you can invest in small increments to make your net worth grow. People, who work nine to five jobs, tend to have a little more to spend in the investing world, than those of us who work via freelancing. Another key attribute to this investing idea is the more you can decrease your debt, the better off you will be.
Wealthiest, the title comes in a variety of shapes and sizes, if you want money to spend for the movies or going out to dinner then you need to make some serious changes to your current paycheck. You need to determine how many liabilities you have to pay off, divide your check to cover all the expenses then whatever is left over you need to change what you do with the extra money.
Having a plan to build your wealth is a very good idea. Cutting back on what you spend at the grocery is another key factor. Try to buy things that are on sale this week, so that next week you do not have to buy them at the regular price. You can also use this method to stock up your extra fridge or cupboard with foods for the next month. Also Clip coupons. Everyone says this, but it doesn’t always mean they do it. You can save up to one hundred dollars a month, just by using coupons. Some stores also give you money back on your shopping order. If you have a large family, consider using name brand sites for coupons. Happy shopping.
Many people want to know where they can save and how to do it exactly. There are simple ways at home you can budget in say going out to dinner on a Friday night to your favorite restaurant. Depending on how you start your week, you will be able to decide if all factors can lead to this special treat.
Do you have pets? Many households across the globe play host to at least one domestic animal. Some people like to splurge on treats and pet grooming. One way to cut back on spending for your pet is to utilize shot clinics. These clinics do not require you to have a Veterinarian check over the animal before shots are given in some states this is a forty to fifty dollar savings. If you take your pet to be groomed at your Vet’s office you are more than likely spending twice the amount you would if you did it at home yourself. Modern day convinces make it easy for you to purchase salon style shampoos locally.
Start buying knock-offs of your favorite foods and medicines. If you can’t live without Ibuprofen and can’t stand the normal versions, you can pick up a huge bottle at your local club stores for less than half the price of one two hundred count at the grocery store. Private companies and name brand companies share one common selling feature, the products you buy in the non-descript bag or box are made in the same facility as the product in the nice and pretty boxes or bags.
Recycle more. If you drink soda, beer or other liquids that come in aluminum cans, you can get paid for those emptied cans. Local recycling companies pay on the pound. This is both fun for you and helps bring in extra cash!
If you have a family, you can have kids help you clip coupons for the foods you eat on a regular basis. Many people often find this simple tool a good way to help kids learn to read too! Have fun and be money smart!
OvercomingDebt.com is going to bring you the money related tips, tricks, tweaks and hacks from all over the web into one central location.
We are still in the process of getting the blog software setup properly but as soon as everything is settled we will begin posting lots of great information to assist you everyday in keeping a little more money for yourself.
Talk to you soon.