Posts Tagged ‘Saving’
Would You Like to Trim Your Utility Bills?
Posted April 1, 2009 by Bernz
Everyone knows that not turning off the lights, fans, and televisions, and other utilities can put a dent on your pocket. In today’s economic downturn where lay-offs and unemployment are the norm, it is important to cut your bills where you can and save money. Aside from the obvious money-saving techniques you can put into practice, there are other ways to save on your utility bills. Below are some ingenuous ways that can help you save a significant amount of money every month:
Control Your Indoor Weather
Depending on your current heating system, using electricity for warmth can be eating up a big part of your utility budget. Try to look into programming thermostats to control the indoor temperature. If the residents at the house are awake, you can keep the temperature at 68 degrees. And once they are asleep, you can drop it to 55 degrees. Generally, the lower your home temperature, the more money you save. The savings can add up especially during the winter season.
Popularity: 28% [?]
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Tags: Frugality, heating bills, Saving, saving gas, Saving Money, telephone bills, utility bills
Posted in Frugality, Misc, Saving Money | No Comments »
A Penny Saved is Worth More Than a Penny Earned
Posted February 9, 2009 by Bernz
When I was young, my grandmother’s favorite saying was, “A penny saved is a penny earned.” At that age, money was an odd, far-away concept for me so I really didn’t understand what that meant until I was older. The old aphorism simply means that money we save is less money that we have to go out and make. It seems like a very simple truth, but, in fact, a penny saved is worth far more than a penny earned.
Consider this example. You make $10 per hour at your job. You have two choices: you can work an extra hour to make an extra $10 or you can save $10 on your grocery bill by cutting coupons for an hour. Each choice takes an hour of your time so, at first glance, they appear to be equal choices. But they are certainly not.
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Tags: penny stocks, retirement, Saving, Saving Money
Posted in Frugality, Misc, Saving Money | 1 Comment »
Bartering Away the Recession
Posted February 5, 2009 by Bernz
As the daily economic news continues to paint a bleak picture of the health of American business, consumers seek out new ways to make the dollars stretch until the end of the month. A very old way of doing business is once again gaining popularity for its frugality and simplicity. Barter has been around ever since the beginning of commerce, only becoming more scarce as money took over as a means of trade. In the past several years, however, barter has become fashionable and organized barter networks have popped up all over the country.
Barter networks bring together those who have goods and services to trade and allow them to do so with pseudo-cash. These “barter dollars” accrue in members’ accounts and can be used to purchase other available items or services offered on the network. The bartering can be done face-to-face at barter meetings or, increasingly, on the internet.
Bartering helps the under-employed use their skills for compensation from customers who might not otherwise have the cash to spend. It then lets members purchase from any other member on the network with the “money” earned.
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Tags: barter, cash, economy, Frugality, personal finance, recession, Saving, taxes, unemployment
Posted in Frugality, Misc, Saving Money | 2 Comments »
Recession Purgatory? Is there a way out?
Posted November 26, 2008 by Bernz
The folks on Wikipedia define recession as a period of reduced economic activity. They go onto say that an extended period could transform into a depression. Other definitions define the economic condition as a point in time when GDP falls, businesses stop expanding, housing prices drop and unemployment escalates (speculation is that 1 in 10 Americans could be out of work in the very near future). Sound like the sign of the times? Are we all about to face the Grapes of Wrath? Click the link to see a video clip of the original movie.
In spite of all the sour news, I’m keeping a positive attitude. The outcome of the recent presidential election has a lot to do with that. But folks, I’m also a realist.
Lately I’ve been posting on things we can do to cope with turbulent economic times. Things like saving, planning ahead, and investing our time, money and energy on things that are vitally important: think health, education, and our financial future. (more…)
Popularity: 17% [?]
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Tags: depression, recession, Saving
Posted in Financial Education | 1 Comment »
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