Everyday saving is more habit than science. Living on a budget becomes easier every day that you practice. Unless you are an unusually extravagant spender, there is no magic bullet to save large dollars on a daily basis. However, using simple everyday saving tips will add up to high savings over weeks and, then, months. Here are some simple suggestions to start building your frugal habit.
- Closely track your spending—all of it. The most important habit you can acquire is to keep a small notebook of every penny you spend daily. You may be astonished how your small purchases add up to large dollars over time.
Electric bill shock will typically come to those who wait. Why wait when you already know that unpleasant surprises are waiting for you? You may want to review helpful devices that estimate electricity consumption in your home or business.
After all, how can you save energy if you don’t know how much power you’re using? If your answer is “It’s impossible,” you’re right. Yet, there are ways to eliminate this uncertainty. Some help already exists and more is on the way.
The PowerCost Monitor™
This high-tech, but amazingly simple device offers real world feedback to you about how much electricity your home is using. The device tells you in both dollars and kilowatts (KW) what is happening consumption-wise in your house or office.
Saving for college is challenging, but you have some excellent options. When you save for college, knowledge is power. The key is to identify the college funding options that are best for you. Here are some proven suggestions.
- 529 College Savings Plan. College planning becomes easier and cost effective with a 529 educational savings account. Two features are primarily important: You can contribute up to your state maximum per year. Equally important, your earnings will grow tax-free.
No parent wants to think about their child needing life insurance. After all, life insurance is designed to cover funeral expenses when you die, and help your loved ones continue the same standard of living they had before your death.
Some people claim that, because a child has no dependents to support, they don’t need life insurance. But that’s only half the story. Here are three important reasons to buy your child life insurance today.
Mention exercise to some people—particularly devoted couch potatoes—and you’ll receive looks of horror, disbelief, and the always dependable, “deer in the headlights.” Those to whom the thought of exercise conjures disturbing images of overweight or muscle-bound people, sweating profusely, and pumping heavy iron, need to take a deep breath and just calm down.
While you can certainly choose to spend your off-hours at a state-of-the-art gym working on your abs, arms, legs, etc., to create a sculptured body, it is not a necessity to feel healthier. You can even exercise with your baby or young child, implanting wonderful, healthy habits at their young age.
Types of Exercise
- Flexibility. Stretching and range of motion exercises help everyone and can be done daily without consuming large blocks of time or risking injury. If you have arthritis or worry about getting “long in the tooth,” stretching will help you loosen up those annoying stiff joints upon rising in the morning. Among the more effective flexibility exercises are yoga and tai chi, but just stretching your arms (biceps and triceps) and legs (quads, calves, and hamstrings) are wonderful to keep you healthy and trim.