10 Easy Ways to Save Money and Cut Costs.

10 easy ways to save money and cut costsPinching pennies is never a bad idea but in a tight economy we would do well to to be extra diligent in shaving off unnecessary costs.

It’s easy to look past $10 per month here on a cell plan feature and $49 per year for a magazine subscription we don’t really read anymore but when you start to add up all these “seemingly little” extras a person can end up saving a significant chunk of cash every month by doing something about them.

In order to realize your financial goals and dreams every little bit, especially over a long period of time can really make a huge difference.

Check out this article at WealthBuildingDaily with 10 easy ways to save money and cut costs.

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8 Money Lessons for College Graduates.

8 lessons for college graduatesOur recent posts aimed at college students proved to be very popular so we decided to offer some advice for those of you who have recently graduated and are now moving onto the next stage.

Now that the Hoopla from celebrations has fizzled-out it is time to get on with life.

An article on MSNBC outlines 8 lessons you will do well to learn sooner than later.

The link to the article is below but to sum it up hopefully without being redundant you will be encouraged in; making money, saving money, investing, planning, budgeting, wise spending, dealing with debt, developing a solid credit score, retirement and more…

WOW! That’s alot to pack into one article.

Check it out here… 8 money lessons for new college grads

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How to Save Money on Your Existing Debt.

If you look after the pennies, the dollars will look after themselves.
~ J. Paul Getty – US oil industrialist (1892 – 1976) ~

These days most everyone is carrying some form of debt and although debt can be a great tool if used wisely it can also become an anchor with a significant down-side.

Either way the amount of interest paid on debt varies greatly depending on the type of debt, the credit report score of the borrower and many other variables.

Although we all like the “stuff” we get from utilizing debt I don’t think any of us enjoy paying our hard-earned money towards the interest portion of a loan.

What makes matters worse is many of us are paying higher interest rates and dishing out more money towards paying down interest than necessary…FLUSH…money down the toilet.

I came across a helpful article with a number of excellent tactics to help you save hundreds if not thousands per year on your existing debt.

http://financialplan.about.com/od/creditdebtmanagement/a/How-To-Save-Money-On-Your-Debt.htm

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The Three Mental Barriers to Time Power – Time is Money Right?

If Time is Money…than More Time is More Money.

Now to clarify, just because you have lots of time on your hands it doesn’t mean you will have lots of money as nice as that concept may seem.

Also, just because you spend lots of your valuable time on your job, career, business or supposed money making projects this also doesn’t necessarily mean you do have or ever will have lots of money.

So what does it take to live in the world where time is money?

It takes certain time management skills, disciplines, desires, persistence and beliefs.

Brian Tracy a popular author, successful businessman and business coach offers some advice on the three mental barriers to time power. If you can break down these mental barriers you will be able to start tuning into the power of time and the ability to use that power to help meet your goals and dreams.

Enjoy the article below…

If everyone agrees that excellent time management is a desirable skill, why is it that so few people can be described as “well organized, effective, and efficient?” Over the years, I have found that many people have ideas about time management that are simply not true. But if you believe something to be true, it becomes true for you.

Your beliefs cause you to see yourself and the world, and your relationship to time management, in a particular way. If you have negative beliefs in any area, these beliefs will affect your thinking and actions, and will eventually become your reality. You are not what you think you are, but what you think, you are.

Barrier 1: Worries About Organization
The first myth of negative belief, of time management is that if you are too well organized, you become cold, calculating, and unemotional. Some people feel that they will lose their spontaneity and freedom if they are extremely effective and efficient.

Many people hide behind this false idea and use it as an excuse for not disciplining themselves the way they know they should. The fact is that people who are disorganized are not spontaneous; they are merely confused, and often frantic. The key is structuring and organizing everything that you possibly can: Thinking ahead; planning for contingencies; preparing thoroughly and focusing on specific results. Only then can you be completely relaxed and spontaneous when the situation changes.

The better organized you are in the factors that are under your control, the greater freedom and flexibility you have to quickly make changes whenever they are necessary.

Barrier 2: Negative Mental Programming
The second mental barrier to developing excellent time management skills is negative programming, which is often picked up from your parents, but also from other influential people as you are growing up.

If your parents or others told you that you were a messy person, or that you were always late, or that you never finished anything you started, chances are that as an adult, you may still be operating unconsciously to obey these earlier commands.

Time management and personal efficiency skills are disciplines that we learn and develop with practice and repetition. If we have developed bad time management habits, we can unlearn them. We can replace them with good habits over time.

Barrier 3: Self-Limiting Beliefs
The third mental barrier to good time management skills is a negative self-concept, or what are called “self-limiting beliefs.” Many people believe that they don’t have the ability to be good at time management. They often believe that it is an inborn part of their background or heritage. But there is no gene or chromosome for poor time management, or good time management, for that matter. Your personal behaviors are very much under your own control.

Action Exercise
Imagine that someone were to offer you a million dollars to manage your time superbly for the next thirty days. Imagine that an efficiency expert was going to follow you around with a clipboard and a video camera for one month. After thirty days if you had used your time efficiently and well, working on your highest priorities all day, every day, you will receive a prize of one million dollars. How efficient would you be over the next thirty days?

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Simple Money Saving Tips to Shave a Few Bucks Off Your Expenses

Good morning before I talk about the video and money saving tips I just wanted to mention the terrible tragedy that took place in Japan last night.

For all those affected by the earthquake and tsunami in Japan our thoughts and prayers are with you.

Moving to matters much less significant as above I have a video showing 10 ways to shave off some expense costs from your household budget to aid you in building your financial future.

I realize some of these may be a little bit overkill for some of you but as the old saying goes…

“Look after the pennies, and the dollars will look after themselves.”

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Tips On How to Save Money on Your Home Expenses…Part 2

Here is part 2 of the article on how to save thousands of dollars on household expenses.

http://financialplan.about.com/cs/frugalliving/a/101YourHome_2.htm

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Tips On How to Save Money on Your Home Expenses…Including Mortgage & Utilities.

Check out the link below to find a number of great tips on how to save literally thousands of dollars on household expenses.

Take these saved dollars and put them towards building your financial future instead of giving them to your mortgage company or utility company.

http://financialplan.about.com/cs/frugalliving/a/101YourHome.htm

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Till Death “Dough” Us Part…

It has been estimated financial issues are the main reason 90% of marriages fail.

Although it is so significant to the success of a relationship most couples find money the single most difficult topic to discuss in a constructive manner.

There is a very helpful post (you will find the link at the bottom) that provides practical advice for speaking with your partner about this emotionally charged issue as well as some helpful tips to keep both parties far less stressed.

http://financialplan.about.com/cs/familyfinances/a/CouplesMoney.htm

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How Can You Saving Money on Groceries?

“In these tough economic times, people are looking for ways to save money any way possible. One area that most people have a lot of flexibility in is with the grocery budget. Sure, there will be some staples like milk, bread, and eggs that will be on everyone’s list every week, but what about all of the other stuff you buy? The choices you make, sales you find, and the tips you use can amount to big savings over time. If you could find a way to just save $20 each week you’d save over $1,000 a year.”

Check out this post to find actual consumer tips on how they trimmed their financial spending by saving on groceries… and add your own tips to the list for others.

http://financialplan.about.com/b/2011/01/16/how-are-you-saving-money-on-groceries.htm

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5 Ways to Save Money on Gas

“Make no bones about it, gasoline is expensive and it isn’t getting any cheaper. You don’t need to switch to public transportation to cut costs at the pump. There are a few basic things you can do that could considerably save money on gas.”

Click here to see 5 simple things you can do to ease the draw on your finances.

http://financialplan.about.com/od/savingmoney/qt/saveongas.htm

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