Tag Archives: saving money

How to Save Money Without Being Gross: Unusual Budgeting Tips

It’s possible to save money without being disgusting, gross, or so cheap people make jokes about your penny pinching ways for years to come…

Unusual Budgeting Tips
Unusual Budgeting Tips image courtesy of Pixabay

This article is dedicated to a cheap woman who used to save leftover oatmeal after breakfast and then serve it again and again, day after day, until someone finally choked it down or dumped it in the trash when she wasn’t looking.

Everyone already knows the usual tips about cutting costs and tracking your income and how much you spend. (By the way, those are important!) But, these tips from Intrinsic Vicissitude are designed to point you in the direction to get started with a budget.

Easy and Unusual Budgeting Tips

These easy and unusual budgeting tips can be helpful to anyone.

If you are not careful, you can land yourself in lots of trouble when it comes to money. When dealing with a budget, you want to take control of your finances, and create a budget that will help you reach your financial goals.

These unusual budgeting tips are easy and simple to try. Creating a new budget and getting out of debt can be accomplished. Budgeting tips are important, to keep good credit and stay out-of-debt.

Listed below are five unusual budget tips:

  1. Less Checking accounts- to avoid maintenance fees and transactions
  2. Use Coupons- They help you save money
  3. Set Up Automatic Transfers
  4. Turn Down your heat
  5. Turn Down your Air Conditioner

Avoid Bank Fees

When it comes to checking accounts, it’s hard to keep up with one account, let alone many others. Fewer accounts save you more money.

Couponing

Everyone loves to get a bargain. When you cut coupons or print them out, you can save money on your monthly grocery bills, personal shopping, and personal care. You can go to Coupon.com, where you can print-out lot’s of savings.

Bundle Up

When it’s cold outside, winter bills can be daunting. To save money and keep warm, turn down your thermostat a few degrees and wear warmer clothes, and you will see the savings.

Lose a Layer of Clothes

Just the opposite of bundling up to keep warm, lose a layer of clothes to keep cool. You can save when you keep your air conditioner set around 73 degrees. This is a comfortable setting will save you lots of money.

Creating a budget is worth the time investment. It’s the first step in successfully maintaining a budget, and saving money. It’s also a perfect way to scrape together some money to invest.

Financial Planning Now to Avoid the Risk of Being Broke Later

It’s scary to think of not having enough money at any age, but even scarier to think of being broke after you’ve retired and can’t work anymore – but some planning now can give you a brighter future. (Sorry for stating the obvious.)

Money: Master the Game
Click here to buy this book!

You have choices here – you can hire a financial advisor, you can do research and apply your best common sense, you can flip a coin to choose your retirement savings strategy (but you shouldn’t actually do that) – you can leave it in God’s hands and see how it works out – or you can make a plan.

Financial Planning for Your Future

According to NAPFA, the National Association for Personal Financial Advisors (which can help you find a CFP, or Certified Financial Planner), two out of five people surveyed rated themselves poorly in regards to understanding personal finance.

This lack of financial understanding leads people to retire later, to be underwater with mortgages, to have ZERO DOLLARS saved for retirement, and to have no kind of budget whatsoever.

Ignoring the need for financial planning does not make the problem go away, however. It only serves for stress and depression to build up in the individuals who have foregone this type of monetary exploration.

Financial Management

Whether you have a lot of money or you are struggling to get by, financial management is going to play a big role in your future. If you take control now, your future will be better.

(I know I kind of said that already, in different words, but really, it is so vital it cannot be over-stressed.)

How to Save Money for Long Term Investment

If you feel like you don’t have enough money to get by, saving money is, of course, the farthest thing from your mind.

The thing is, things like saving and contributing to causes, instills in your subconscious mind that there will always be more, and then, you start to find more and more that you can save, and you start to feel better about yourself.

And, as Anthony Robbins said, “If you won’t save a dime out of a dollar, you won’t save a million dollars when you have ten million.”

Personal Finance

Personal Budget Guide
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If you don’t know where to start on this life changing part of rewriting your life story, pick up a book on personal budgeting, or look for money management games you can play to explore the process of taking control of your financial destiny.