With summer rapidly approaching it is time to start considering this summer’s annual vacation time. For many, a road trip is the perfect answer to the freedom they want, however the price of such a trip might not be feasible for many roadies due to rising cost of fuel and other travel expenditures. With these ten tips you and your road warrior buddies can have the trip of your life whether your crossing the country or just venturing to a nearby state. Each of these tips will give you more money to spend as you grow further from home, so you won’t have to end your trip sooner than you wish to. Finally, you’ll be able to enjoy the country’s massive landscapes and get rid off all your pent up stress!

1. Plan Accordingly
When you’re getting ready to head out on a road trip planning can be your best friend. There are many places to stop on just about any route that can give free activities or places to stay. For instance, many coastal routes will give you access to plenty of beaches that can allow you to get out, stretch your legs and have some fun before getting back on the road. Free should be the key in most of you planning. If you aren’t living in a coastal region then try planning to stop by a lake or river for some fishing or swimming. You can also plan your road trip around a music festival that you are interested in. This will give you a destination to shoot for as well as a great release from driving. Many festivals even allow you to camp out, especially if the festival carries out for more than one day. If you are ambitious plan your trip around camping ground, this way you won’t have to pay for a hotel and other facilities. There are also a great number of museums and landmarks that can keep your entertained for free or a reduced price if you are willing to do the research to find them.

2. Avoid Detours
Toll roads can be a huge hassle not just with slowing you down but also costing you money. Some toll roads can even run your $5 each way, which might not seem like a lot at first, but after you hit a few of these roads on your you’ll certainly be feeling the charges hit your wallet. The best thing you can do is try to research where toll roads are and design a route that avoids them completely. If you can, try to program your GPS to automatically avoid these roads all together. Apart from actually charging you to be on the road the constant stopping and going can really drain your gas mileage, which will cause you to lose even more money. Most GPS programs can also reroute you when there is an accident, traffic jams and construction work. Each of these items can really slow up your speed and cause you to have to stop for gas more often than you’d like. These stops can also frustrate the driver, especially if there are young children in the car, which often causes travelers to get off the road and spend money until the traffic has ceased. These situations are best avoided, so make a point to check your GPS before you head out, so your road trip can be jam free.

3. Forget Fast Food
Fast Food tends to be more like a fast drain on your budget. The best way to counteract your hunger is to make a game plan. If you’re a big breakfast person then try going to a nice cafe or local restaurant for breakfast, this way you can get your fill before heading out on the road. Of course, if you’re more of a dinner person then try to find a hotel that has a continental breakfast, this will fill you up enough to make it to dinner time so you can stop and grab a bite to eat at a nicer local place. In between meals are easy to cover too. Before you head out grab a loaf of bread and some peanut butter or find some lunch meat that can last in a cooler. There are many tiny snacks you can pack away too that are cheap and filling.

4. Tune Up Before You Go
Getting your car looked over before you go out can be one of the easiest ways to save money on a road trip. Make sure your oil is fresh, your brakes are good and everything else in your car is running perfectly before you try to take your car across the country. By doing this you will not only save your car a lot of damage in the future, but can save yourself a lot of money in the long run. By having your car checked out you will ensure that you will have the best mileage your car can achieve. Another major thing you should check out is your tires and your spare tire. Having a new set of tires can really help ease your mind, but going out without a reliable spare can be incredibly pointless, as you will have to spend a lot of money on a tow to get your car off the road and in a shop. Even if you’re not trying to save some money on your trip, doing this will give you peace of mind that will help you enjoy your trip.

5. Be Picky About Gas
Even though you’re on the road it doesn’t mean you can’t be choosy about the gas you purchase. There are many ways to shop around for gas without having to drive around looking for gas prices or settling for the first gas station you see. There are many gas apps available for smart phones today. Simply have your co-pilot put in your area and you will be well on your way to getting the best gas price possible. Of course, it is important to not let your gas drain down too low before you find a place to fill up. If you leave your car close to empty then you might be forced to purchase gas in a town that has terrible deals. While you’re on the road keep an eye out for prices, when you see a good price then go ahead and fill up so you don’t have to worry about over paying later on down the road. Of course, while you’re on the road try to take it easy. Over accelerating, slamming on the brakes and other driving mistakes can drain your gas faster than you’d think. Also, try to avoid using the A/C. Try rolling down the windows if the weather is nice and enjoy the natural smells that you aren’t accustomed to.

6. Bring Along Friends
Taking your buddies along for the ride can not only help save money but can make the trip twice as fun. When you have more than one person with you then you can make arrangements to split the cost. When you go on a trip as a group you can save your receipts and split the cost when you get home, this way everyone actually ends up paying a little less for the trip. More friends means more drivers so you can stay on the road longer and reach your destination much faster. Bringing friends along can also decrease your stress level so you won’t have to spend extra money on your entertainment budget.

7. Hotels
A lot of people tend to choose high dollar hotels when they are on a road trip. There is actually no reason to go for the bigger hotels, particularly because you won’t be spending a lot of time in the room. Try to find a hotel that is cheap but still makes you feel comfortable, this way you can get a good nights rest and head out early in the morning. Of course, if you don’t want to spend a lot of cash on hotels there a good number of camp sites and rest areas that can get you on your way in a short amount of time. If you really need to take a break from the road try staying at a chain hotel that offers low rates, this is especially great if you have a rewards card with certain hotels.

8. Designate Money
Before you head out on a trip it is best to allot money for each area you plan to spend. If it helps you keep track of your spending try withdrawing the money and placing it into envelopes. You want to make sure you will have a backup fund though just in case something goes wrong. The larger portion of your money should go on gas as you will need to fill up a lot, especially if you are planning a cross country trip. Food is also important, but be prepared to use less on food thanks to snacking and finding alternative places to eat. Entertainment might be low on your budgeting list, but make sure you have enough to see at least one amazing thing before you head back home. You will find that sorting out your money before you leave will actually help you come home with a few extra dollars.

9. Cut Out Souvenirs
Souvenirs are incredibly tempting, especially when you want to bring back a gift for family and friends. However, there are many free items you can bring back with you that will impress your loved ones. Instead of spending ten to twenty dollars every time you stop at a gas station for t-shirts, key-chains and other tourist traps try taking a camera and capturing all of the unique things you see on your trip. This will make for great stories when you get home and the photographs might even come out so well that you can enter them in a competition. Another simple way to bring home some memorabilia is to pick up a unique rock when you make an interesting stop. This is a particularly great gift for older children who love to collect things as they will not only have a cool rock but an interesting story to tell about it. If you really feel the need to purchase a souvenir try not to do it often and when you do try to buy low cost items like postcards.

10. Smaller Town Benefits
You’ll pass through a lot of big cities on your trip, but you’ll also pass through a lot of small towns which can save you big money. Most small towns won’t charge you as much on fuel, food or hotels as you would pay in a city. Of course, there might be less to do as far as entertainment goes, but if you’re really adventures you will be able to find something that strikes your interest and will probably pay a lot less for it than you would in a larger city. Smaller towns are also great when you have children as most of them will have at least one nice park for your children to burn some energy at. Even if you don’t want to stop in a small town for the night try to stop every once in awhile in one to get some food and gasoline and maybe take in a glimpse of the way that other towns in the country work.

When you’re on a road trip you should concentrate on losing stress and gaining freedom. With these ten tips you can forget the cost of your trip and head out for a relaxing trip with your friends or family. Before you know it the trip will be over and instead of dreading the cost of the trip you will have the exciting memories to dwell when you head back to work.

Author: Chelsey McQuitty

The bathroom is one of the busiest rooms in the house and is used frequently by even the youngest of members of the family, which is part of the reason why this room can make you spend the most amount of money. From electrical appliances, water usage and expensive facial and hair products the bathroom is the one of the few rooms in the house that can’t be ignored. This room required specific cleaning supplies and everyone’s preference of personal hygiene items. With these ten tips though you can turn you bathroom from a wallet emptying space to a great oasis that can run on a simple and small budget. With these changes you can spend the money in other areas that will help satisfy your life more.

1. Alternative Cleaning Products
Keeping the bathroom clean is a huge concern in most homes, which is why we tend to spend a lot of money on specific cleaning supplies that claim to do the job. There are many alternatives out there that can do as good of a job, if not better, than the leading brands of bathroom cleaners. If you can’t seem to get the stains out of your toilet bowl then don’t keep throwing bleach in the toilet to try to clear them. Instead, try adding a packet of lemonade coolaid to the bowl and letting it sit for a few minutes. You might have to scrub a little with the toilet bowl cleaner, but once you flush you should have a sparkling toilet bowl you can be proud of. Vinegar and baking powder are another two cleaning solutions that shouldn’t be overlooked. These items are found in most homes and work wonders when you need to clean out the bathtub or sink. You can even clear up a clogged shower head with these two items. Finally, if you hate streaked mirrors then grab a few black tea bags to wipe down the glass surfaces. There will be absolutely no streaks on the glass when you’re finished!

2. Homemade Face/Hair Solutions
A lot of the bathroom budget goes to many over priced items that promise to help solve problems you might find with your face and hair. Like cleaning, there are many solutions to these problems that you can find in the home. Generation after generation of women have passed down the ever popular mayo tradition. If you feel your hair is tried and needs reviving then don’t spend a fortune on oil treatments and specified shampoos, instead raid the refrigerator and put a healthy coat of mayonnaise in in your hair. This will bring plenty of moisture to your locks and can save you big money. If you suffer from acne, or acne scars then squeeze some fresh lemon juice and add grind up a few non-coated aspirins to the mix. This combination will help reduce any scarring, so you can lead a more confident life. Bags under the eyes have also been a major problem that seems to only have expensive solutions. Instead of shopping in the beauty isle for a solution cup up a cucumber or add a black tea bag to the underneath of your eye and watch as the dark circles fade away.

3. Use Less Water
We all know how satisfying it is to take a long hot shower, but this isn’t always feasible when we’re on a budget. If you want to cut you water use down to nothing then try this simple tip. When you get into the shower turn the water on, rinse off and wet your hair down. Once you’re rinsed turn the water off. Use this time to shampoo your hair and if you don’t condition then wash your body as well. When you’re finished turn on the water and rinse off again. If you do condition then simple rinse the hair out and turn the water off then condition and soap off for the final step. You will use very little water doing this and will therefore receive lots of savings. If this is too extreme then try substituting your daily shower for a bath, but make sure to only use as much water as you really need. Another water saving tip that can go far is to turn off the water while brushing your teeth. This is a simple trip that requires little and you’ll notice right away how much it actually saves in the long run.

4. Go All Natural
For many women getting ready to go out can take hours to do, which is why going out all natural can save you big money and time. If the weather is nice try to go outside without blow drying your hair. Let your your flow naturally or pin it up until it dries and needs styling. This alone will mean that you won’t have to plug in any devices with saves on the electric bill and will mean no products should be needed. If you want a curly hairstyle then try doing it the old fashioned way with simple curlers that don’t need heat to work. These curlers usually need you to keep them in over night, but it’ll be worth it when you see your new heat free style that is great for your hair and your bills. If you don’t want to leave you hair down without styling it then try to rock an updo a few times a week. This will cut down on your electric and will give you time to spend on other things. If you can, try to go without makeup a few days a week. This will help you keep your makeup stock for longer, so you don’t have to purchase more as often.

5. Buy in Bulk
Bulk buys are one of the most important things you can do for any form of shopping and the bathroom holds no exceptions. There are many items in the bathroom that can be bought in bulk. One of the more important buys in toilet paper. If you have a big family you know how precious toilet paper can be in the house, so why go out and spend more to buy a few rolls when you get stocked up and save a lot. Most bulk buy stores provide a great selection of bulk toilet paper, so you don’t even have to sacrifice your favorite brand to save a little money. Toothpaste and mouthwash are another great thing to buy in bulk. If you can manage to find a 2 pack or larger go for it, especially if you have more than one bathroom. Most bulk patches will provide you will half priced or sometimes even free products. If you’re big into makeup then try to find a bulk pack of your favorite supplies, this way when you run out you won’t have to spend full price on the product.

6. Lose the Name Brands
If you want to throw money away then name brands are certainly the way to do it, especially when it comes to shampoo. There are many products out there that expects you to pay double digits for a formula that you can buy for less than five dollars. These soaps tend to draw people in with promises, but when it comes to actually working sometimes you need to spend less to find what your hair really needs. If you have a favorite product chances are you can look up a generic version of this product that works the same and will charge you less. When you are looking into to buying mouthwash try to find the generic version as the generic brands tend to have the exact same brand as the fancy brand name. Feminine hygiene products are also much cheaper when you buy them in generic form.

7. Less is More
One of the main reasons we end up spending so much money on bathroom products is we tent to use more than we actually need. For many, shampoo is one of those things that tends to disappear out of the bathroom quickly, especially if you have younger children or a house filled with girls. The recommended use for shampoo is a dime size amount, however most people tent to quirt a dab in their hand and begin to lather. If you actually keep a conscientious look of how much shampoo you use then you will be able to get the amount down to an exact science. Try starting with the recommended amount and if it doesn’t work out add a bit more until you have enough soap to do the job. Toothpaste is also one of those products we need to overuse. You don’t have to fill up the entire toothbrush to get your teeth clean, so make sure to keep an eye on the amount you do use. Hand soaps can be a huge issue, especially if your by the touch-less machines that tend to shoot out more soap than expected. Try squirting just a dab and getting rid of machines as they will drain you money quicker than you think.

8. Simplify Decor
The theme of our bathrooms can be a huge drain on the wallet, especially if you find yourself going between themes often. To start off with, don’t spend a lot of money on a themed bathroom as you will eventually grow tired of looking at ocean, monkeys, cats and any other theme you can think you put in your bathroom. If you’re thinking about this type of theme then just go with a simple shower curtain rather than buying the whole set of bathroom accessories. Simply changing out the bathroom’s shower curtain can change up the look and the way you feel about your décor. If you are still unhappy with the bathroom’s look then try to swap out towels that are a different color, this can help you bring a different attitude to a room without actually having to purchase more items.

9. Shop Wisely
When it comes to shopping for items for the bathroom try to pick items that have more than one function. For instance, many children’s soaps work as shampoo, conditioner and body wash. There are also many different adult soaps that other conditioning and shampooing in one bottle. If you can try to go for hair styling items that aren’t specific for one styling task, so the entire family can use the product. If you’re looking for new make up then find a set than can offer you a different variety of looks, this way you can create looks that come from one palette. Cleaning products can also be purchased in this way, simply find an all purpose cleaner that kills germs and you are set to clean the entire bathroom.

10. Ditch the Salon
Getting your hair done at the salon can cost hundreds a year, so try picking up a set of clippers and come hair scissors and do the job yourself. This is particularly easy for guys whose simple haircuts shouldn’t warrant spending a lot at the salon. If you love your style and just need a trim then grab your scissors for a between salon touch up that will prevent you from going back for a month or two. You can also color your hair at home for a fraction of the cost. You will still end up with fantastic color and will save you so much that you can switch up your hair color as often as you life.

The bathroom is typically where we start and end the day, so make sure your bathroom isn’t a cause of stress on your home budget. With these ten tips you’ll love the bathroom spending time in the bathroom and won’t have to worry about the high priced bills you’ll receive for doing so, which will allow you to find a new place to concentrate the savings.

Most couples can come up with some pretty elaborate ideas when it comes to planning out their honeymoon. A lot of people see the honeymoon as a chance to get their dream vacations with the love of their life. Although this is ideal, it is of course not always the most budget friendly plan for newly weds. There are, however, ways in which you can still get the perfect honeymoon without having to take out loans to pay for it. With these ten tips your honeymoon will not only be memorable, but will set the two of you off to a great financial start that can keep your marriage strong for a long time.

1. Timing is Everything
If you’re planning to head to a popular location for your honeymoon then you might want to check out the prices of an off season honeymoon. Typically most tourist cities will offer visitors great deals when the tourist season is out, so you can plan a romantic vacation for a much lower price. This is also great because you won’t have to stand in long lines or share your personal space with a lot of people. Of course, if you do plan on taking the big trip during the tourist season then try your hardest to book ahead of time. Booking ahead will give you deals that you won’t be able to imagine. The best thing is you can get the best of rooms and reservations when you make sure to get your time slots booked before others do. Be careful when you do book ahead though as many different flights might switch up their schedule, so your afternoon flight could become a red eye.

2. Join a Registry
Wedding registries typically include a list of stores that have items that the bride and groom need for their new life together. If you want to spice up your honeymoon you could sacrifice the china sets and silverware collections and instead give your guest a website that will help you get the honey moon of your dreams. All you have to do is pick a location and add things that you would like to do on your honeymoon. Your guest can be various amount of money on the events that they want to help you do, so that you will actually end up paying a lot less for the honeymoon you want. This registry is a great way to make your guest feel as if they are a bigger part of the wedding and everyone will love seeing pictures of the honeymoon that they helped make possible.

3. Look for the Full Package
While shopping for honeymoon reservations always try to look for the package deals. Often enough you can find a great deal on a hotel, room and sometimes even a spa day. Looking for packages can be tricky, but it is always important to keep in mind the prices of the tickets separately opposed to how much they cost within a package. Apart from saving money package deals tend to help you get all of the basic things taken care of so you can sit back and enjoy your honeymoon as soon as the plane lands. There are many websites dedicated to showing you package deals that a variety of companies offer, of you can visit your local travel agent for local deals that can save you hundreds. If you really want to get ambitious, try booking a cruise which will provide you with food, lodgings, entertainment and transportation!

4. Popular Locations Aren’t Always Best
If you’re unsure about your location of choice it might be a great idea to stray away from the popular choices and find something that would suit the two of you as a couple. There are many different resorts around the country that can provide you with a relaxing vacations that you will never forget. By looking around for locations that aren’t popular you will be able to save a lot of money that you would normally spend on overly priced hotels, food and entertainment. Most unpopular resorts tend to offer great deals to couple celebrating their marriage if you let the management know ahead of time. Your best bet is to call around and ask about deals before you actually settle on a location.

5. You Don’t Need 3 Square Meals
Eating out can be one of the biggest expenses on your trip, so try to cut down on the eating if you want to spend more money on entertainment. Of course, it is important to eat and get the nutrients you need, but you don’t have to sit down at a restaurant for every single meals. Most hotels offer their customers a free continental breakfast each morning they stay, so head to the mingling room and grab yourself something nice to eat on the house. For lunch try grabbing a bag of local fruit or purchase items needed to make sandwiches that are easy to pack on the go. Dinner doesn’t have to be a big deal either as there are many restaurants around that can offer cheap and delicious food that will satisfy your taste buds. Of course, splurging for a nice romantic dinner is incredibly plausible will all the savings you manage from your other meals.

6. Consider Alternative Transportation
Getting to your location is always an important part of your trip and if you’re looking to save you should consider skipping out on big name airlines. If you can look for a small airline or take a bus to your location. Driving, of course, is also an option and will give you a chance to see the country as well as provide you with transportation while you are at your location. You also have to consider transportation while you’re at your destination. Public transportation is a great way to save big while having access to the entire city. If you aren’t interested in traveling the way the locals do then you might want to see if there are any great deals on rental cars. Using a taxi is typically the worst idea as you can drop hundreds of dollars just on transportation during your years.

7. Keep the Honeymoon Short and Sweet
Many people believe that honeymoons should be a long drawn out vacation, but the truth is keeping it short and sweet can be a great idea. Whether you want to travel far for your honeymoon or plan to keep it close to home, planning your vacation length can save you the most money of all. Short vacations not only save you on hotel bills but will keep you from spending money just because you are bored. Shortrt vacations mean you will want to take in as many sights as you can before you have to leave so you will spend more time looking around and less time looking for souvenirs to buy while you’re gone. Shorter vacations also mean less meals out as you will return home sooner. So, try to plan a small and romantic weekend getaway opposed to leaving for half of a month.

8. Research Hotels
A lot of people think they need to stay in a five star hotel every time they sleep away from home. However, a little research can put you up in a nice hotel that won’t give you a five star bill. One of the best ways to research a hotel is to visit multiple websites that have peer reviews of the hotel. Make sure your hotel is bug free, has friendly service and provides all of the luxuries you need. There are many hotels that often get overlooked just because they haven’t been around long enough to reach the five star rating. Of course, you also might want to consider staying at a cute Mom and Pop motel. These motels tend to be incredibly romantic and private, so that you can spend the time with your partner without worrying about the room next to you.

9. Enjoy Free Activities
When you choose a location it is important to pick areas based on entertainment. If you’re looking to save money you might want to choose a location that has natural attractions that will help save you money. Perhaps, a lake or beach might be your best choice as going for a swim and getting a tan are free activities that you can enjoy without worrying about getting bored before the vacation is over. Of course, if you’re looking for something fun to do at night try scouring the local paper for free events that the two of you might love. In most towns there are often free concerts at cafes or discounted movies and other productions that might make your trip more worthwhile.

10. Set Aside Spending Money
One of the easiest and most efficient ways to stay on a budget while honeymooning is to put away money. Leaving the credit and debit cards at home will help prevent your from spending too much money while you are enjoying your holiday away from responsibility. If you sit down with your spouse and set aside a limit for each day then you will be able to keep your budget and might even end up with extra money before the day is out. The best things about this is if you don’t spend your money well on one day you will still have other days to spend the money they way you need to. You can also looking online and plan out the events you want to partake in before hand so that you will know exactly how much money you will actually be spending.

Your honeymoon is the time for you to start out your life together with a bang, so spend your vacation stressing out about money. With these ten tips you will be living the high life without ever having to bring out your credit card for extra support. You will have the time of your life and will be telling tales from your first adventure as a married couple for years to come.

If you tend to have an illness that requires a lot of prescriptions or end up going to the doctor a lot over small things then you know how prescriptions can cost you a fortune even when you do have insurance. As we age we tend to need more prescriptions, but often insurances and retirement funds tend to leave a huge hole in the prescription budget which is why it is best to find the cheapest ways possible to purchase your prescriptions. With these ten simple tips you can have the medications you need without having to devote a huge amount of your check to the pharmacist.

1. Understand Your Insurance and Formulary
Many insurance companies have certain medications that are listed for a lower price on their co-pay list. Before you commit to a medication check out your insurance companies formulary and let your doctor know which prescription will be cheaper for you to use. If your doctor believes the medication will work fine for you then you might end up getting a price break on something you need. Many doctors can even give you a list of medications that would work for you by their preference and you can check each of the items out with your insurance to see which will cost you the least. By knowing how to work with your doctor and your insurance company with formulary you will grab huge savings on medication that you can’t pass up.

2. Go for Generic Brands
Just like with other shopping items, looking for the generic of prescriptions is usually the best idea. Generic medications are made with the same quality as name brand and will help whatever problem you may have, so why bother spending large sums of money on items that will do no more good than you the cheaper items. Many insurance companies will also give you a huge break when it comes to buying generic medications. In most cases generic drug can save you up to 85% and most insurance companies will have no problem covering the full amount, so you won’t have to lose money out of pocket.

3. Buy Glasses/Contacts online
You might not often think about your glasses or contacts being a prescription, but they truly are. Prescriptions for your eyes are one of the few prescriptions you should ever buy online. There are many websites available today that will offer you a great selection of frames that will suit just about any style you may have. The best thing about buying prescriptions online is you get to choose your lenses without any hidden free. From the basic lenses to transition glasses you will keep you from having to purchase sunglasses. Shopping for contacts is just as easy and cost effective on the web. There are many websites available today that can will give you discounted contacts that can even be purchased in bulk. Just make sure you have a current prescription and know how to put the prescription into the order form.

4. Coupons Go Far
You might not think to cut coupons on items like prescriptions, but it can actually save you quite a bit of money. Try prescribing to a medical journal or ask your pharmacist for a promotional paper and enjoy the savings. There are a large number of coupons readily available to over the counter prescriptions though, which can save you big when you need to replenish your first aid kit. Coupons are also a big help when it comes to buying allergy medications, like Claritin which does not actually need a prescription. You can keep your family allergy free, infection free and ready to take on the day by paying on a fraction of the cost you would pay without a coupon.

5. Shop Around
Many people have a pharmacy that they go to for everything, but this can be a huge issue when it comes to buying many different types of prescriptions. Just like any item you buy the price of prescriptions goes up and down so it is best to do a little shopping around before you actually do make the purchase. Try calling up local pharmacies about an item, so that you will know where to go to find it at the best price. There are even many apps available today that can help you find the best prices for prescriptions, which is perfect for anyone that doesn’t have time to go through all the pharmacies in town. Apps such as LowRX are typically free to download on your smart phone and are simple to use.

6. Discount Cards
Most pharmacies, local or otherwise, tend to have discount cards that not only lower the price of your purchases, but can even give you rewards to a greater discount. The best thing about discount cards is they typically are free, so the savings are even greater. A lot of major stores, such as Walgreens and Target, will give you a discount card that works with their pharmaceutical items. From time to time these big named stores will even offer you savings on certain items that can save you up to 80% throughout the year. This type of savings can keep from spending hundreds each year and might even help you stock up on vitamins and other household items that are sold over the counter.

7. Bulk Buy When You Can
Most shoppers tend to know the value of a bulk buy, however buying prescriptions in bulk can be a bit trickier. Obviously, you can’t go straight into the pharmacy and ask to buy sever months of your prescription in advance, but you can purchase items that go along with your prescription in bulk. For instance, anyone who might suffer with diabetes can buy testing supplies as well as needles to help you maintain your illness. You can also keep up with your first aid gear when you buy bulk. There are many burn and pain relief ointments that you can buy in larger packages, as well as wraps and other basics that you might need for your home.

8. Ask For Free Samples
If your doctor wants you to try out a new medication then you might want to talk about the option of getting a sample before you actually dive into purchasing this product. This can be particularly important when it comes to medications that are a bit pricier. If the product is new on the market and your doctor is just interested in giving it a trial run to see how it effects you then free samples might be a great way for you to save. If your doctor can give you a sample then you can see if you actually need this medication. If the trial doesn’t work out then you’ve lost no money on your end and your doctor can hopefully find something that more suitable and price friendly for your needs.

9. Ask for a higher dose
Although buying your prescriptions in bulk isn’t often an answer, asking for a higher dosage is. If you have a reoccurring prescription then it might benefit to have a one on one with your doctor about raising your dosage. This will allow you to purchase your pills, probably at the same price, while having the pills span out longer. Higher doses means that you can split pills up so that your entire prescription last you twice as long as it would on you older prescription. Most doctors are open to helping their patients out in this way, especially if it is a patient they’ve been seeing for some time and they know about their prescription purchasing issues.

10. Be Honest with Your Doctor
One of the best ways to save money on your prescription medications is to sit down and talk to your doctor honestly. Being honest with your doctor can not only help you find lower prescriptions but can also help you find programs that will help you afford the medications you need. Your doctor has a wide variety of knowledge on programs, pharmacies and drugs that will work best for patients who are having trouble buying the prescriptions they need. From generics to enrollment programs your doctor can help you out big time if you are willing to sit down and be honest when he or she writes up the prescription.

Keeping yourself healthy is one of the most important things you can do for youself and for others, which is why getting your prescription filled is a big deal. If you are having a difficult time finding ways to make your prescription purchase then try following these ten tips. One, if not all, of these tips might serve to save you a lot of money in the future which can help you leave a healthier and happier lifestyle.

It doesn’t matter what kind of pet you have these furry, or not so furry, creatures have a way of warming our hearts and completing our households. For many, pets are like children who deserve to have the best food, supplies and every now and again a special toy. Shopping for your pets can be a huge drain on the budget if you’re not careful though. There are many items on the market that are designed to draw in you and make you think that your pet needs the item in order to lead a healthy and happy lifestyle. Many of these items, though, are just marketing ploys designed to get you to spend. With these ten tips you will be well on your way to making your pet feel spoiled without having to spend as much money as you might think.

1. Toys
Toys are one of the biggest expenditures many people have when it comes to their pets. Many people may believe that their pet will grow bored if they don’t have toys to entertain them, so they tend to hit the pet store every time they go pet shopping and splurge on needless toys. Yes, it is great to have toys for your pet, but a lot of the items in pet stores are over priced and your pet would be happy with items that are simple and inexpensive to get. Cats, for instance, are notorious for playing balls. So, crumple up some tin foil and your cat will be on his or her way to an exciting afternoon. Boxes are also a plus for cats, they love to hide in them. You can even add a blanket in one for a nice bed that they will love to snuggle up in. If you are ambitious and love woodwork then try to make a cat tree. The items cost little to nothing and you can design something they will love on a unique level. Dogs are just as easy. Use an old tennis ball or frisbee you have lying around the house. You can also grab and old stuffed animal from a thrift store for certain dogs. If you tend to spend a lot on bones, try looking in the grocery store for a simple rawhide bone in the meat section.

2. Rethink Pet Food
When you step into a vet’s office or pet supply store you will notice the huge selection of foods that are offered to today’s pets. You might start to think that the higher priced foods are the one’s you need to buy because they contain the best ingredients and most nutrition for your pet. This, however, is not true. Many of the cheaper brands do carry nutritious foods that can help your pet lead a healthier lifestyle. The best thing you can do while pet food shopping is to read the ingredients of each bag of food. You will be surprised at how similar some of the products are, especially when you compare the price tags. Prescription diets can also be rough on the budget. There have been many recent articles about these diets that advise against not using. Many veterinarians are not schooled ineptly about pet nutrition, so when they get offers from nutrition companies they tend to take it in as fact. Many pets also battle with obesity and go through too much food. The best to counteract this is to feed your pet with a scoop, as they only need one scoop a day and to feed them less in summer.

3. Pet Insurance
If you tend to frequent the vet’s office or you just want your pet to have coverage when they do go in then investing in pet insurance might be a great idea for your household. Pet insurance can help cover those unsightly bills for pets who tend to be ill often, or get into things they shouldn’t be in! Usually, pet insurance is a low monthly fee and will help you have piece of mind that you can take your pet to the vet even when you are having financial problems. It depends on the insurance you choose, but most companies provide coverage for pet medications as well as their annual shots.

4. Utilize the Veterinarian
Taking your pet to the vet can actually cut down on any unexpected visits you might have to make. When you have pets it is important that you get their shots each year as well as take them in for a check-up. Usually, these visits cost very little and are more preventive than anything else. Your vet will be able to identify any future problems that might happen to your pet as well as way that you can stop the problem from happening. This alone is capable of saving you thousands of dollars in Veterinarian bills. Of course, it will also give you peace of mind knowing that your loved one is in great shape.

5. Grooming
You would actually be surprised at how much grooming can keep your pet healthy and your bills down. Grooming your pet is known to help prevent infections in many different types of dogs. Excess hair can be a great breeding ground for bacteria and with all of the hair you would never even know there was a problem until it is serious. Try finding a local groomer that is independently run and if you really don’t want to spend money on having your pet groom then pick up a pair of pet clippers and do it yourself. You will love the bonding time with your pet and might even want to pick the art up as a lucrative hobby that your neighbors will love. Grooming is particularly important in the summer, so make sure you take care of the excess hair before you pet gets overly warm. Keeping your pet groomed is also one of the best ways to detect and sometimes even prevent fleas and ticks from harming your pet.

6. Animal Centers
If you don’t think you have enough to get your pet’s annual shots then you might want to look around for an SPCA office, or other animal clinic. Most animal clinics offer many services at a discount to the client, so you can get your pet’s shots as well as spaying and other services at a fraction of the cost. These clinics are often donation based, so by offering these services they are funding the animal control centers that help keep stray pets longer so they can hopefully find a home. They are also ensuring that the community’s animals are also healthy and spayed so that there isn’t a spread of disease or an overpopulation of animal life.

7. Bulk Purchases
As with most shopping, buying in bulk can save you huge! This is particularly true if you have more than one pet at home. There are many items that can be bought in bulk when it comes to your pet. For instance, most bulk shopping centers will have a wide variety of pet food on sale. This is especially great because a lot of the time you can grab a 35 pound bag of dog food for just a little over what you would pay for a 10 pound bag of food. This will save you huge in the long run and will ensure that you won’t have to shop for your pet as often. The same can be said for cat little. Anyone who has a cat knows that some cat litters just don’t do the trick, so many owners end up buying a small container that doesn’t last through the week. With bulk stores you can buy the same brand of litter, but double the size and only a small amount more the typical pet shop would charge. This will not only save you on going shopping each week and fighting the temptation to buy your pet treats, but will also save on deodorizes for the home! Also, if you have more than one pet in the home then it might be wise to invest in larger packets of flea medication. This will ensure you don’t have to spend a lot on separate packets throughout the year.

8. Pet Doors
If you have a dog that likes to go in and out then you will know how convenient a doggie door really is. You might not know how much it can save you on your heating and cooling bill though. Households that don’t have a doggie door installed tend to spend a lot of time letting the dog in and out of the home. This is particularly rough when you have a new puppy that still isn’t secure with its surroundings or if you have multiple dogs. The constant opening and closing lets in cold or hot air that your heating and cooling system tries to make up for, thus causing more energy to burn and your electric bill to go up. With a doggie door installed the home lets out a small amount of air and you aren’t constantly burdened to get up for an indecisive pet.

9. Spend Time with Your Pet
One of the easiest ways to save money on your pet is to simply spend time with them. Pets love your attention and if you create ways to entertain them then you won’t have to worry about buying them hoards of toys. Pets like games just as much as people do and a simple game between the two of you can make their day so much better. Spending time with them will also help you know their behaviors, which is important when it comes to their health. Anyone who knows how their pets act will also know when their pet is feeling down or is becoming ill. These indicators can save you big when it comes to vet bills and can also ensure that your pet will be with you for longer.

10. Lose the Accessories
One of the biggest burdens on the budgets comes from buying items your pets don’t actually need! These items can run from brand named items to silly buys that only satisfy the pet owners needs. For starters, there are a lot of specialty litters on the market. You can buy mahogany litter or special crystallized products, but the truth is your cat won’t actually care either way. The only time you should take your cat from litter to anything else is when the cat undergoes a declawing surgery, other than that your pet is happy enough to use the cheapest of litters. Clothes are another major problem! Closest are typically used to make owners feel good about their adorable pet, but most pets usually hate having things put on their body. During the winter time it is usually nice to give your pet a little extra warmth with an old t-shirt, but even that depends on the breed of your dog. If you absolutely must dress your pet up try crocheting your own clothing, so you don’t spend a fortune on something that is just going to get torn up.

Although for most pets are just like children it is important to step back and think about the things you buy. It is nice to spoil your pet every once in awhile, but the constant money spending can leave you in a financial rut. With these ten tips you will be able to give your pet a great lifestyle while saving you cash so you can improve you own. The best thing is these tips might even bring you and your pet closer together.

Spring has once again graced us with its beautiful presence bringing along with it the annual spring cleaning bug. Instead of spending a fortune to get your home in order this season try making your spring cleaning adventure a budget conscious task that will ensure that you will be able to save money with your accomplishments throughout the rest of the year. With these ten tips you will be on your way to a clean and organized home that will have your family impressed by your cleaning know how. You will also enjoy the huge savings you made during your cleaning process that will help spread the wealth for months to come.

1. Cleaners
When the cleaning bug hits many women they feel the need to run out to the store and purchase a lot of different kinds of cleaners in order to get the job done. This can be a huge mistake that will cost you a ton of money before your cleaning is complete though. If you are looking to save big on your spring cleaning then try to identify cleaners that are multipurpose and off brand. This will cut down huge on the cost and will ensure that you will have more ground to cover without having to take up space with a lot of cleaning supplies. For instance, many bathroom cleaners can be used on just about any surface, which includes the toilet and bathtub. This type of cleaner can also make its way into the kitchen for a great clean at no extra cost. Also, only use a few sprays of a product, you will be surprised at how far a small amount will take you. If you don’t want to spend a lot of chemicals and prefer a more natural take on cleaning then you will be amazed at the cleaning power that vinegar and baking soda have on just about anything!

2. Don’t Buy Cleaning Tools
Stocking up on cleaning tools, such as sponges, towels and magic erasers, might also seem like a wise decision on your part, but like cleaning supplies this simply isn’t so. One of the best parts of spring cleaning is the excess old fabrics you have lying around the house. If you have towels or old clothing that you intend on getting rid of then use these items as your cleaning rags. You will cover lots of ground with these items and won’t have to feel bad about staining or getting grease on the items since you didn’t want them in the first place. If you have tight corners and small crevices that need taking care of then grab a few cutips for a flawless clean. An old toothbrush is perfect for hard to clean areas that need a little extra scrubbing.

3. Clean Overlooked Areas
It is almost impossible to see every area of the home that needs to be cleaned, which is why so many of the important areas get overlooked. Before you start cleaning make a list of the larger appliances in the home and throughout the cleaning make sure that each of this appliances have been cleaned under and inside. One example is the refrigerator! Behind the refrigerator is often overlooked because we never look back there, so lots of dust collects in the coils which can drain more power and increase the bills. Simple take the vacuum cleaner and carefully vacuum out the coils for a more energy efficient refrigerator. Don’t forget to get behind the stove as well, this area can be covered in grease and other food particles that might be dangerous to the families health if left for years unattended. Finally, give the vacuum cleaner a good cleaning to ensure that it will be operating a long time.

4. Invest in Proper Storage
Storing items can be one of the pricier task when it comes to Spring Cleaning. Many homes have a ton of boxes sitting in their storage area that have broken down over time and let in dust and bugs that can potentially destroy the contents within. If you really want to make an effective change in your home without spending a lot then try looking for storage bins in a dollar store or look for spring cleaning sales that many department stores offer. When you put your items in plastic and resealable bins you are ensuring the items within will be stored away properly and won’t be ruined. If you plan on storing clothing or other linens put them in a plastic bag, like a trash bag and push the air of the bag. This will keep the clothes moth and bug free. If you have pillows that need to go into storage you can also put them in a trash bag, when you push the air of the bag and tie it off the bag will suck the air out of the pillow which will make it easier to store. For small items, such a screws that go to a piece of furniture, use old jars or tins that you have recycled.

5. Get Rid of Clutter
Every home has clutter may it be from busy lifestyles or holding onto objects we think we might need in the future. One of the best things about spring cleaning is trying to get rid of some of these items. Chances are, if you aren’t using an item or have forgotten that you even have it then you don’t really need. Try gathering up your old furniture, toys and clothes and opening up a yard sale. Yard sales are free to have and can actually bring hundreds of dollars back into the home. If you can’t seem to get rid of some of the items or just don’t have time for a yard sale try selling them online or donating them to a charity. By getting rid of the old items you will have more storage space and less items to clean. You never know, you might even get rid of some many items that you finally have room to turn your garage into the game room you’ve always dreamed about.

6. Change Your Filters
Your home is filled with filters that all work to keep your family feeling healthy and happy. Spring cleaning is one of the best times to make sure that the old filters get thrown out and the new ones get put in. You might not realize how much filters actually save you money in the home. With a water filter on your refrigerator your family can have cool and clean water without you having to purchase other filtering devices or water bottles. Air filters help keep dust and allergens away from your family which will bring down the amount of visits you make to the doctor’s office each spring. It will also reduce the amount of time you spend dusting your home, which will save you time that you could be using on some of the more daunting task.

7. Investigate Home Openings
Your home is filled with opening from the doors to the windows which should be investigated every time that you clean. The window and door tracks, especially on sliding glass doors, tend to collect dirt that can ruin the seal. When the seal is destroyed on any of your windows or doors the ventilation of your home can become insecure. This means that the cool air you use in the summer time will go straight out of the window so your home will have to worker harder to stay cooler. The same can be said of your heating when it is cold outside. When the home works harder to cool or heat your electric bill goes up. So, taking a few extra minutes to clean out the grime from the window sills and door tracks can actually save you hundreds of dollars on your electric bill every year.

8. Take in Recycling
Recycling is an important part of our relationship with the earth, which is why taking in all those recycled goods is a perfect way to start off your spring cleaning. In many states you will even get refunded some of the money you spend on the item when you turn in certain cans and bottles. This can give you a good boost in money and will help with the rest of your spring cleaning task. Even if you don’t get paid to turn in your recycling it is still a great way to begin getting rid of the excess clutter in your home. Your home will already start to look better and you will have helped the environment!

9. Install Shelving
You might think that installing shelves in the home, or in the storage unit might be a huge drain your budget. However, installing shelves can be fairly inexpensive and will save you a lot of clean up. If you shop for shelves at the right time you will be able to save big on many of the units. You can also build your own shelves, after all if they are going in your storage unit they don’t have to look pretty. Try purchasing a few boards, brackets and screws or nails and you are ready to go. When you put up shelving you are getting your storage items off of the ground so that you don’t have to deal with build up around the items. When items sit on the ground they are more likely to get dirty or infested by bugs, so by picking them up off the ground you are giving them a longer life which will save you money. Having your items up off the ground gives you more space as well and makes it easier for you to sweep up and messes.

10. Space Out Clean Sessions
One of the easiest ways to save money on your spring cleaning is to space out your cleaning sessions. It is incredibly ambitious to want to take on the house in one big sweet, but this often isn’t feasible. When you over work yourself you tend to get bored and tired of the job which makes you want to find other ways to get the job finished in a less time consuming way. This is when the spending tends to begin. There are many items on the market that can get your home clean in a flash, but they cost a lot of money and won’t allow you to see exactly what all needs cleaned in the home. There are also many services that can be called to get the job done for you, which are also incredibly expensive. The best thing you can do is make a game plan and take on the house piece by piece. Perhaps even schedule cleaning days when you know your family will be home to help you. They might not like it much, but the house will be finished faster and you won’t be overly exhausted!

Although Spring cleaning might not be the most loved task each year it has to be done. The great news is that you don’t have to spend a lot to do it. When you follow these ten tips you will find yourself relaxing in a clean and allergen free home that will look amazing for at least a few months. You will love how little you have to clean after your big spring cleaning event almost as much as you love the savings.

If you love to dig in the dirt then there is a good chance that you dream of having your own unique garden. Although it might seem like a pricey concept, having your own garden can be an inexpensive hobby that might even bring money back into the household. With these tens tips you will be able to keep your garden looking amazing without having to worry about spending a small fortune. These tips will provide you with ways to grow your plants without having to spend a cent on fertilizers and other products designed to help you keep your garden looking magazine worthy. By the end of the planting season you will be relaxing in your own personal garden paradise!

1.Plant Perennials
When choosing plants for your garden you should always make sure to read the labels. Perennials are the best thing to buy if you are looking to save money each year on your garden. Perennials are flowers that come back each year when they are in season, so by having perennials in your garden you are ensuring that you won’t have to replace the plants each and every year. The best thing about having perennials is you can come up with a budget each year for adds on, so as the years go by you will have an exciting garden that always makes a comeback when spring has come back. Of course, if you fall in love with an annual or two it won’t hurt to go ahead and plant the item, but allow most of your garden to be made up of perennials so you won’t find you garden looking sparse when they begin to bloom at the beginning of the season.

2. Use a Compost
Composting is incredibly cost efficient and even helps the environment out! In many states composting will save you on garbage cost, as you will actually produce little to no waste when you have a working compost. You can make your compost out of simple items or can even purchase one at the store. If you are looking into a larger compost then you might want to get together with your neighbors and discuss sharing the cost of a neighborhood compost that will be available for all to use. This will also ensure that you will have diverse waste that the plants will love. Make sure to throw items such as banana peels in the compost as they make incredible plant food. When the time comes to use a fertilizer, skip the store and add the items from the compost onto your soils for a better than store bought fertilizer that will have your plants healthier than ever.

3. Know When to Water
A lot of garden failures have to do with when the gardener chooses to water the plants. Of course, watering at the wrong time can also cost you a lot of money. The best time to water is when the sun goes down and the soil has plenty of time to absorb the water before the sun comes back to dry out the water again. This is particularly important in the summer when the sun is extremely hot. When you water in the morning hours the water will do a bit of good, but as stated before the water will be evaporated throughout the day by the sun, rather than absorbed by the plant. The worst time to water is when the sun is peaking in the sky. This period of time is usually the worst to use water anyway, as many cities will enforce peak water hours that will cost you more. The other downside to watering during this period is the water will be scorched off the plant, thus damaging the plant without even hydrating it.

4. Know Your Land
Knowing your land can be a huge part of your gardens health. Whether you live in an apartment or home with a large yard, it is up to you to understand the way your home will effect your garden. One aspect to look at is the way the sun hits the home during different periods of the day. Plants that requite little to know sunlight work best in areas that are shady throughout most of the day, so it is important that these plants are places beneath a tree or on the side of the home that always have shade. While other plants require a lot of sunlight and should be placed in areas of the home where there is hardly any shade. This alone will save you a lot of money on replacing plants! Another thing to consider is areas that are often heavily trafficked by children and animals. It is unwise to put fragile plants in these areas because they are more than likely going to be trampled. Instead think bushes that are durable and might even stop the traffic in the area. By knowing these things about your home you will ensure that you will have success without having to waste money on more seeds and fences to do the same job your home can do.

5. Don’t Create a Show Garden
Your garden doesn’t have to be filled with beautiful high maintenance flowers that will make the neighbors awe over your skill. Instead, put your green thump to good use and plant a garden that will help bring down the family’s grocery bill. Gardens are a great way to get fresh organic fruits and vegetables without having to spend a pretty penny on them in the store. You will be well on your way to having exciting vegetable inspired dinners thanks to your garden and you won’t have to worry about buying most of your vegetables in stores any more. If you produce more fruits and vegetables then you thought you might then you can always give them to friends and family or try to sell them for some extra cash!

6. Stop Spending on Accessories
Accessories are one of the biggest drains when it comes to spending on your garden, and usually you can find the same items in the home for absolutely free. For instance, cut open an egg carton and fill it with soil for great starter cups that will have your seedlings starting out life the right way. If you are worried about worms getting a hold of your younger seedlings then cut the top and bottom off a tin can and bury in one inch into the ground. Make sure to place the seed in the center of the can and watch it sprout without damage. The can will block any curious worms from munching on the root of the plant as they can will work as a barrier. If you have plants that need extra heat or sunshine then don’t invest in one of those expensive lamps, but add come tin foil behind the plant. The foil will attract more light and will therefore keep the plant healthier. During the cold spring nights cut a hole in one end of a plastic milk or soda container and slip it over your plant to reduce frost bite from harming the plant. Apart from helping you save money, this will also put your recyclables to good use.

7. DIY Pest Repellent
There are a lot of chemical based items on the market to help clear out the bugs on your plant. Although this can be troublesome for the environment it can also cause you to spend a lot of money you don’t need to. There are many natural remedies that will help you take care of your garden that can be found inside of the home. If you have a problem with slugs then nothing cures it better than a little beer. Take a small container like a margarine tub and put it in the ground. Fill the tub with some beer and watch as your slug problem disappears. The slugs will be drawn to the smell of the beer and will falling to the container and drown. After a few days the problem should be gone. If flies and other bugs are constantly swarming your plants that add a little soap to a partially filled water bottles and lightly spray the plants. The insects will quickly disappear and your garden will regain its healthy look.

8. Keep Weeds Down
Weeds can actually be the death of any garden. They take over an area quickly and will kill your beloved plants if you aren’t careful. The best thing you can do when it comes to weeds is to look over your garden once a day. If you see any weeds coming up then pull them immediately as it is best to get them while they are still small. If you have to use chemicals to get rid of the weed population in your yard make sure not to waste money on products such as round up. These items tend to be overpriced, especially in the spring and summer months, and can be easily replaced. If you find a particularly difficult weed that needs a little help then pour some vinegar on it. This will make getting the plant out of the ground easier and is much safer for the environment and your garden than using chemicals.

9. Know Your Limits
Having a garden can be a lot of work which is why you shouldn’t get over ambitious with your plans. When you decide to have a garden you have to realize that it can be a daily chore that can’t be overlooked. This is why planning is incredibly important. Start out with a small area and work your way if you find yourself wanting to expand. Of course, you must also take into consideration your other duties such as work and family, as juggling your schedule is important. When you have the garden a size in which you are still able to complete the task you need to with some free time then stop. Over doing it can cause you to grow tired of the garden. The garden can also be overtaken if you, for whatever reason, don’t have time to go and work in it. This will mean replanting everything, which will cost you a lot of money in the long run. So, play it safe and keep your garden at a reasonable size.

10. Make Some Money!
When planting always make sure to plant all the seeds you have as long as space permits. By doing this you will ensure that you have enough plants sprout to take up the space in which you need them to, just in case the expected amount doesn’t sprout. If you have extra plants sprout then use them as a bartering tool with other gardeners who might have a plant you want, or sell them to someone who needs the particular plant in their garden. The same can be said for excess fruits and vegetables as stated before. Try finding a local farmers market to sell your goods, or if your close with your neighbors perhaps ask them if they would like to purchase some of the goods. This way you are contributing to your community as well as adding to your gardening or home fund!

You will find that gardening can be a great therapeutic hobby once you get past the price of having the hobby. You will love how happy it makes you feel and how great it makes your home look. With these ten tips gardening won’t have to be an idea, but a reality that will allow you to get outdoors more and spend some time with mother nature.

College students have to learn how to budget their money quickly. Most students have never had to deal with money before, apart from their allowance, and often find themselves on a tight budget when they finally do head off on their own. There are many ways in which new students can save money or spend money in a way in which they aren’t constantly broke though. It is just a matter of knowing where you need to spend your money and prioritizing what you do with the spare cash. Whether you’re a senior and about to head off to your freshmen year of college or are awaiting you acceptance letter to grad school, these ten tips will put a little extra cash in your pocket and little more food in your belly.

1.Textbooks
Textbooks can be a huge burden to carry while you’re at school. Whether you’re paying out of pocket or using your financial aid to pay for you books, a new book can run around $400! If you’re taking more than a few classes your entire financial aid check can be devoured by book charges alone. Luckily enough, most college book stores offer a wide selection of used books that typically range around $50. If this is still a bit too steep for your budget then try shopping alone for textbooks. There are many sites that offer great deals on used books and many will even allow you send in your old text books in trade for credit to get new ones. Many schools have also started up a rental service that will allow you to rent the books you need for a few months. Shopping around is half the battle when it comes to renting though. Sometimes schools can charge a bit more for their rentals opposed to online programs that can save you over $100. The best thing to do is head to class on the first time without the textbook and find out if you can use an older edition. Most libraries have the textbooks in stock so you can do your homework there until you can get your textbook.

2. Utilize Your Campus
Many students can go through their entire program and not utilize the services a campus provides. Every college campus, no matter how big or small, offers its students many services that often go ignored by most of the student body. If you have a low entertainment budget try catching a free show at the student lounge. Many colleges will allow local bands to perform for the students and some will even do showings of movies or plays. There are often many clubs you can join. Each club will provide you with plenty to do for a low cost and most of the time they offer free food during meetings. Some schools even will allow you to get a free massage as part of their mental health package that is typically included in your tuition cost. It doesn’t matter what interests you, more than likely your campus will have something exciting for you to do that won’t break your budget.

3. Student Work Life
Although it might seem impossible to add a job to your busy schedule there are many ways you can work it in. For instance, most campuses offer a work study program. This program is designed to work around your classes and will help you earn a little extra cash without ruining your study schedule. Most work study programs will put you in a job for an hour or two a day, which typically will take up one class slot. If you’re interested in work study act fast though because it often fills up quickly and is based upon your financial aid. Another great way to earn some money is a part time job. Most areas near colleges will look for students to work on the weekends, and many will even schedule you to work around your class times. If you’re honest with future employers about your needs then you might open yourself up to a world of opportunities that will put some money in your pocket and provide you with work experience.

4. Keep Your I.D. On You
You will be amazed at to how much your school I.D. can help you. If you love catching movies at the theater then you will love the great discounts you can get when you flash your student I.D. at the admissions booth. Most theaters offer a student discount that is about the same price as a child’s ticket, so you can still keep your entertainment budget in check. When it comes to shopping for clothes and food your I.D. can get you a certain percentage taken off of your total bill. This is a great way to save while getting the things you need. If you’re a coffee lover, or just need it to get through that early morning history class, then try to find a shop that caters to the students needs. Many will offer you a discount and some even have a card that will allow you to get a free cup after so many purchases.

5. Toss the Credit Card Applications
It seems like as soon as the 18th birthday hits credit card companies begin to hound you for your business. Although it may be tempting to fill out the form, its rarely ever a good idea to get a credit card when you’re a student. Credit cards sent out to young people often are designed to suit your needs and you will find yourself drowning in interest rates in no time. Most students tend to have to take out student loans anyway, so you want to make sure to consider what your debt level is going to be like when you leave college. You don’t want to have pay your entire monthly salary towards debt, so stepping away from the credit cards is usually a great idea. You also have to consider the payments if you do decide to get one. Most students live on part time jobs or the leftover cash from their financial aid, scholarship or loan checks. If you don’t have a lot of money to live in the first place, then don’t add onto the problem with a monthly bill that is totally avoidable.

6. Consider Roommates
It may not always seem ideal to have a complete stranger living with you, but in the long run you will definitely enjoy the financial benefits. If you live on campus you usually get a choice as to how many roommates you are willing to have. The best option, especially for freshmen, is to sign on with as many roommates as you can. This will actually take a huge burden off of your shoulders when it comes to managing your money. Roommates can be stressful, yes, but most students are bust exploring the campus, hanging with friends or studying in the library. This leaves a few hours of sleep time to be spend in the dorm area. If you don’t like your roommate there are ways in which you can switch rooms, but many people often find their roommates to close friends and stay in touch even when college is over.

7. Budgeting is Key
Although there are many great discounts available to students, one of the best ways to keep money in your pocket is to make sure you budget wisely. A great budget can stretch a limited amount of money far. Before you head off to college sit down with your parents and work out a plan that can take your set budget all the way through the end of the year. If you stick to the plan you might find that you will end up with a lot more money in your pocket than you expected. Budgeting in college is a great way to help you prepare for your future expenses as well. So in a way, learning to live on next to nothing will increase how far your paychecks stretch when college life is over.

8. The Scholarship Board is Your Best Friend
Every school has one, that is, the scholarship that can often be described as one of the most isolated areas on campus. For some reason this board often tends to be ignored, which actually works out great in your favor. Every year, new scholarships get posted up and many of them rarely get applicants because they don’t offer a large sum of money. During your time at college you will find that every little bit helps, so apply to as many scholarships as you can. Most of them have simple applications and a select few actually require an essay. There are also many scholarships available that can send you on trips abroad for various different workshops. This will not only look amazing on a resume, but it will also give you a chance to check out a foreign country without costing you a penny!

9. Transit Cards are a Must
In the world of transportation a transit card is like a golden ticket. For most students purchasing a car, paying for insurance and buy gas is almost impossible, so buying a transit card is the most logical thing to do. Most schools have a discount for students when it comes to buying a transit pass and many will even allow you to buy for the entire semester, which can save you up to a month’s worth of travel. A transit card can typically get you just about anywhere you need to go off campus and most forms of public transportation tend to run more frequently around college areas. Make sure to grab a transit map when you purchase your pass and will be on your way to discovering the city in which you live at no extra cost.

10. Cheap Printers
Most college students tend to do a lot of printing while they are in school. Depending on your major and level you may be printing hundreds of pages each term. Although many colleges offer print cards to use in the library there is one that is much cheaper. Buying a printer can save you nearly a hundred dollars each term. Some printers cost as low as $20 and will give you hundreds of pages of good quality printing before you need to replace the ink. It may not seem a huge deal in the long run, but after you try a semester with your own printer you will immediately fall in love with the savings and the convenience. If you get desperate for extra money you can always charge your roommates a small fee to use the printer each month!

Although college can be a time of great stress and struggle with money, these ten tips can help you save while teaching you how to stretch your budget. With these tips by your side you will be prepared to take the college life by storm and enjoy this amazing transitional period in your life.

In today’s world technology changes fast and if you aren’t caught up on the latest updates you might lose job opportunities and feel awkwardly socially. The only down side with our rapidly changing technology market is it often cost a fortune to keep up to date with all of the newest gadgets. For many, it isn’t logical to go out and buy the latest device, but getting too far behind can be detrimental, so how can you stay in the technological loop without going bankrupt? These ten tips will help you find a zen in the technological world, which will help you keep up to date without your gadgets while still preventing you from throwing out your budget.

1. Always Remember Memory
When you buy a laptop or desktop you can only hope that it will last you some time. The reality is that in a year or two your new device will be old and worn out compared to the new items on the market. When it comes to running software and browsing the web your computer will be slow and, let’s face it, frustrating. One way to avoid having to go out and buy a new device is to consider the memory in your device. Many new products use software that requires a lot of memory, which is why many older devices have trouble keeping up with the new goods. Try looking around for a memory upgrade to the device that you already, as this may speed up your device and make buying a new one pointless. Memory upgrades run much cheaper than buying a whole new device and you will actually be surprised as to how much it makes you device compatible with all of the new processes available today.

2. Used/Refurbished Equal Big Savings
Everyone loves getting new things, but buying some technology straight out of the box can cos you around a thousand dollars. There are many items available that offer the same capabilities of the stuff straight out of the box at only a fraction of the price. Used items can be picked up off the internet, at stores or pawn shops, or even at auction. With a used item you will get the same great technology that everyone else has without having to empty out your bank account. Of course, if you are worried about buying something new then it is usually safe to shop for something refurbished. Refurbished items are sold back to stores and restored to their original sale state and resold to you at a lower price. Usually, when you buy refurbished you are also getting a warranty along with the deal, so you won’t have to worry about any refurbishing mistakes costing you money. If you’re interested in refurbished goods check out websites that typically sell the device you want and you will notice right away the price difference!

3. Reward Cards vs Credit Cards
We are all tempted to pull out the plastic card every time we really want something new, especially if it is expensive. It is very important to know which plastic card you should be pulling out though. Yes, you can get that great new item immediately when you charge it on the credit card, but what often doesn’t come to mind is the fact that you will be making payments and paying interest on these goods for some time. Credit cards, although convenient and provide you with the instant gratification you want, should only be used for emergencies as you will end up spending more money on each thing you buy. A Reward Card, however, is great to pull out when you are making a big purchase. Many reward card cost nothing to get and provide you with points and discounts that can be used in the store that provides the card. Some reward cards can even give you up to 30% off your big purchase, or will give you a lot of points to put onto a future discount.

4. Phone Plans
When it comes to shopping for phones the best thing you can do is look for a phone plan that suits your needs. A lot of the time you can get the newest phone on the market for free when you sign up for a phone plan. This will not only save you from spending a huge lump sum of money, but will also help you save on the monthly phone budget. Depending on the plan you can get a great insurance policy on your phone and after some time you will be able to upgrade to the new model at no additional price. Choosing a phone plan is a great way to help keep the technology budget in check without having to buy over priced goods. You can even get a new device for everyone in the family by only paying for the additional line charges. Of course, you don’t want to overspend on the plan, so make sure you choose a plan that suits your needs without forcing yourself to add all of the bells and whistles.

5. Utilize Insurance and Warranty
When it comes to buy technology insurance and warranties are key for keeping your items lasting as long as you need them to without forcing yourself to pay a fortune in repair cost. Like a car and home, it is important to have insurance on technological devices as they can often cost a fortune to repair. For instance, repairing the glass on some Apple products can cost $100 which is almost the same as buying a brand new product! By ensuring that your device is insured you will be able to get it repaired at no additional cost, which will definitely save you cash in the long run. The best thing is most insurance only cost around $5 a month! Most items come with a warranty when you buy the, and if they don’t there is typically the option to buy one at a low cost. Warranties can be incredibly beneficial if you find yourself with a product that just isn’t doing what it is supposed to do. Often the warrant agency will have your product shipped in for repair or replaced with a new item at no cost to you. There are some tricks though, such as extended warranties. Extended warranties tend to be costly and don’t cover much more than the free warranty covers. Yes, the extended warranty last longer, but when it comes down to the price of repairs opposed to the price of the extended warranty, you are almost paying the same thing.

6. Recycle or Sell Old Technology
We all have that box of old goods that we don’t really know what to do with. One of the best things about technological devices though is that they are always in need. Today, there are many recycling stations that will dispose of your goods for you so they can be reused for other devices. Some of these stations will even offer you money for your devices. At times, people have received over $50 for an old device that wasn’t even working! This is a great chunk of change to put towards your next device. Of course, there are also many ways to sell your old device. If you don’t want to put a lot of extra effort into finding a buyer then bring your old device to a pawn shop, technology store or the store in which you bought it to try to get your money back. If you are more into getting your money back for the item try selling it online or putting it into an auction. You will be surprised at how much money you can get back for old devices.

7. Always Shop Around
Although it might not seem like a huge step, shopping around is one of the best tools you have when buying new devices. There are many stores and web-stores that will tell you they have the best deal on goods, but it is up to you to do your homework. A lot of the the store will lower the price of the actual object while hiking up the shipping price, so you end up playing more than with other places. Shopping around can take only a few minutes out of your day while still saving you a lot of money. Even if you plan to buy your device from a store it is crucial that you look around at other places, or call ahead, to ensure that you are getting the best deal possible.

8. Rechargeable Saves In Many Ways
It doesn’t matter what kind of device you own, more than likely it runs on batteries. The bad thing about batteries is you are constantly going through them which means more money out of your pocket and more waste for the earth. Of course, investing in rechargeable batteries will allow you to keep your devices running for much longer and will keep the money in your pocket where it belongs. Rechargeable batteries allow you to use a small amount of power to recharge them, which will save energy when you compare it to the amount you use when you plug an item in directly. You will love fall in love with the conscience rechargeable batteries gives you, since you will always have an extra set of batteries around for your instant gratification. May it be for you phone, games, or a simple flashlight, rechargeables will make your home run so much smoother.

9. Forget the Cable
Cable companies often draw you in with their extensive channel selection and the convenience they allow you when you are ready to head home and relax. Of course, this is why cable companies can get away with charging you an arm and a leg for channels that you think you can’t get anywhere else. There are many entertainment options that will cost you so much less than a cable subscription that are available on the internet. You can stream movies, TV shows and broadcast that often aren’t even found on cable. When it comes to subscriptions you can watch you favorite TV shows for under $20 a month when you use websites such as Netflix or Hulu. There are also many free options online such as YouTube, Google video and many of the major broadcasting stations, such as ABC and NBC, will offer their top shows at no cost. You can even buy hardware such as Roku to keep track of all your channels and movies for a convenient relaxing evening without the burdensome charge.

10. Patience
Nothing can save you quite so much as patience. When a new device comes out it is typically at its maximum charge which often isn’t feasible for most buyers. Of course, as months pass and popularity dims down the device begins to decrease in price, which makes it much more affordable for the average buyer. Of course, if you really want to save on a device then wait until the newer model comes out, as that will ensure the model you’re looking to get will drop significantly in value. Although, you won’t be buying the top of the market of gadgets you won’t be too far behind in the technological craze.

Technology can be a splendid part of life, but when it comes to altering the budget for it can surely be a huge hassle. With these ten tips you can stay onto of the technological game without having to part with huge sums of money. If you can remember these tips then you’re technological shopping days will surely make you happier and save you a bit of money.

Everyone wants a little extra money in their bank account, but for many people money comes and goes between paydays with no extra room for saving. Saving can be a hard task to do when you are living with a fixed budget that barely gets stretched through the month. There are, however, many different tips that can help you learn how to save without forcing you to give up too much money between paydays. When you use these tips you will find a more functional budget, with a savings account you can fall back on for leisure or emergency expenditures whenever they may occur.

1. The Weekly Challenge
If you’re looking for an easy way to put over one thousand dollars into your savings account then you will certainly love the weekly challenge. There are exactly 52 weeks in a year, which means the highest amount of money you will have to part with during this task is $52. The goal of this challenge is to put $1 into your savings account per week. For example, on the 18th week of the year you will add $18 into your savings account. This is actually a small amount of money that can easily be budgeted in to your paycheck. If you’re afraid of parting with $52 at the end of the year when spending is at its highest then try working your way backwards. On the first week of the year add $52 into your account and work down like a countdown. This will help keep your spending budget in check while adding a great nest egg into your savings.

2. Say No to Fast Food
Fast food is a double edged sword. Sure it taste great, but its not only bad for your body its also terrible for your wallet. Buying fast food can cost your family a week’s worth of meals in just one sitting. If you’re really looking to get into the saving game then one of the best things you can do is remove the fast food from your diet. This doesn’t just mean keep away from McDonalds and other chains, but you need to watch out for what you buy at the grocery store. A lot of the times stores will have quick to eat meals that seem like an amazing deal at first, but when you actually dissect the cost you will see that you are paying a lot for not very much. Staying away from restaurants can be a big saver too. If you have to eat out, try to limit to once a month or special occasions. By doing this you will keep hundreds in your account that you didn’t even know you were losing to begin with!

3. Keep an Eye on Energy Usage
Energy cost can make you lose a fortune, especially in the summer. There are many ways to prevent your energy bill from being too much though, which will add money back to your bank account. One easy way it to keep an eye on the devices you aren’t using. If you are finished with a device unplug it from the wall. Even though the device is off it will still pull energy into the device just because it is plugged in. This includes you televisions and computers too. If you want to save even more purchase items that have an energy saving sticker, as they tend to pull out less power when in use. There is also the option of solar panels. This will not only make your electric bill drop down to nothing, but will ensure that your home is eco friendly. If you still have a problem with the energy bill then have your home inspected. A lot of the time things can go wrong and energy that isn’t actually being used on purpose can be drained into the home. When you cut down on your energy bill there will be a lot more money to move straight into the savings account.

4. Shop in Bulk
There are always items the household goes through quickly, such as toilet paper and bottled water. Sometimes it actually saves you to buy more, even if it means giving up a little extra when you have to make the purchases. When you buy in bulk you are buying items that are actually cheaper per unit. This works out great for some items because it means you won’t have to buy them the next few times you go shopping. By cutting out the amount you spend on the product means you can save a little more on your overall bill. Buying in bulk works out great for most products, even if it seems a bit simple. Next time you go to the store check out the prices of soda. There won’t be a huge different in price between the small 12 pack and the larger 32 pack. By utilizing the bulk buy method you can even split the cost and product with a friend or family member.

5. Rethink Your Entertainment Budget
We tend to throw a lot of money into our entertainment funds without noticing it. Between internet, cable and cellphone bills there is little else to spend elsewhere. A great way to increase your savings is to get rid of some of the expenses. Cable, for starters, tends to cost over $100 a month for a product that can be viewed for around $20 online. There are many programs that allow you to watch TV shows without paying a fortune. Another simple and cost effective way to save is to cut down on the cellphone bill. Talk less on the cell and more on your home phone to save on pricey minutes. Surf the web at home, opposed to at work and if you really need to get a message through send out a text. If you’re a fan of video games try renting a game instead of spending hundreds of dollars on games each year. There are also many free events in most areas. Try checking out a poetry reading, or a local concert. If you love the theater try a discounted theater that plays movies that still aren’t available for purchase. The best thing you can do, however, is utilize family game nights and activities you can do together at home for free.

6. Automatically Send Money to Savings
Many bank accounts will allow you to set up an autocratically referral that will send money directly to your savings account. This is one of the best ways to save as you won’t even notice the money is missing. The best thing is you can customize your transfer according to your current budget. If you don’t have a lot of money to spare each payday, then set it up for a small amount like $10. This money will be secured in your security account so that it can’t be spent and over time it will grow and gain interest, which will give you an even bigger cushion for larger items that you may need.

7. Review Bills and Pay Online
Another simple way to save it to make sure you review all of your bills. Companies make mistakes and sometimes you can get overcharged, or charged too frequently for many services. You should especially keep an eye on your phone, electric, water and gas bill as there can be a lot of different things that can go wrong with your services. If everything is okay with your services then try to pay the bill online or over the phone. By giving an instant payment you will ensure that won’t be any late charges on your account and will know that you have paid off your current balance, which will help your credit score out. Although this might not seem like a huge tip to put more money in your bank, you will be able to budget better and will enjoy the extra little bit you save from not paying for extras or postage.

8. The Envelope System
If you have struggled to keep track of your bank account, but have a hard time keeping track of intangible money then the envelope system might work for you. This system allows you to take your weekly budget and spread the cash out between envelopes. Make sure to create one for food, utilities and other bills that are important to pay. Of course, you should also make entertainment and clothing funds, as well as anything else you think of. The rule is you can only use the money in the envelope for each item. This will allow you to see the money and as you spend it you will know exactly what you have left. If you still have money in the envelopes at the end of the week then you can move it straight into your savings account, or if you looking to splurge keep it in the envelope for next week. This method will not only help you stretch your money and add a little extra to savings, but will also teach you how to maintain your budget.

9. Advance Holiday Shipping
If you seem to struggle through the holidays when it comes to your finances then you might want to try a little advanced holiday shopping. Instead of waiting until the end of the year to grab everyone’s present at once then do a little shopping throughout the year when you have a little extra money, or you find a sale on something someone will like. This will not only save you a lot of stress during the already frustrating holiday season, but will also help you save money in the run. When you keep your spending minimized during the holiday season you will be able to add all the extra cash or even your holiday bonus into your savings account so you can enjoy a great start to the upcoming year.

10. Insurance
Insurance is one of the best ways to save money without forcing yourself to spend too much of it. When you factor in insurance cost to your daily budget you will quickly realize how much money it will save you when it comes to spending money on household repairs, doctor appointments and car troubles. Having adequate insurance will keep you in the positive, so that you can float more money into your savings account. Of course, there is no point in having insurance if you aren’t going to use it. Make sure to take advantage of your annual and bi-annual checkups at the doctor’s and dentist’s office so that you can help avoid any more expensive problems from occurring. It is also important to shop around for the coverage you need. Make sure you are going to pay the best price for the most coverage you can get.

Saving money will never seem so easy when you follow these ten tips. You will love having the extra money to spend on bigger items and will also enjoy having the security of extra money in your nest egg. You will love to save so much that you will do it more often without even realizing it!

We all want to look great and show off our personality through the clothes that we wear, but for many of us the clothes budget is less than what we want it to be. There are, however, many ways to work around the fashion demand to find clothing that will even surprise us. When it comes to shopping you just need a little know how to stretch your budget and create the wardrobe of your dreams. Whether you hate wearing the same things over and over, or just want to expand you wardrobe choices these ten tips will get your where you want to be for next to nothing. With your savings you will take to the sidewalk as if it were your own fashion runway with your new found wardrobe and pride in yourself.

1. Trade with Friends
One of the great things about having friends is the fact that you can trade with them. If you have a friend that wears close to the same size as you then it might be time to utilize the buddy system with clothing. Between you and a friend, or a group of friends, you might be able to trade off to create a wardrobe you both love. It doesn’t matter if your looking for a long term trade or just something to wear out for the night, this friend trade off agreement will allow you to look like you have an extensive wardrobe without having to pay huge prices for it. This trading system can even work with friends who have much different taste than you, as you will learn different ways to incorporate a variety of clothing that still represents you and your style.

2. Alter new clothes
If you look in your closet often and see clothes that you used to be in love with then it might be time to give your closet a make-over. Take that old pair of jeans, for instance, you can add a few patches from an old top for a vintage style, or even cut them off for a new pair of shorts that will fit your perfectly. The same can be said for old shirts! Cut off the sleeves for a cute muscle top you’ll love working out in, or remove the bottom for sexy belly shirt that will get you dates. There are endless possibilities available in your closet and for no extra charge you can create your own masterpieces that no one else will be able to copy.

3. Thrift Stores
You would be amazed at the amazing finds you can discover at your local thrift shops. Many people tend to avoid thrift shops because they feel they are designed to help people who of lower income. The fact is, thrift stores are typically designed to help a charity with the profits they make from the store. Of course, it is a great way to find cheaper clothing, but it won’t hurt you to shop there either. Thrift stores have a huge selection of pants, work clothing, formal wear and amazing vintage selections that you would have to pay hundreds for elsewhere. To top things off they also sale great jewelry that makes the perfect accessory for just about any occasion. You will love showing off your great finds to your friends and will also love how many items you get for such a small price!

4. Become a DIY diva
One of the best ways to get what you want when it comes to style is to buckle down and make it yourself! Making your own clothes can be a lot of fun, but one of the best benefits is the amount of money you’ll save thanks to your new found hobby. If you venture out to hobby stores, or even shop online, you will notice how cheap it is to find beautiful fabrics that are easy to work with. These fabrics can even be used to make more than one outfit so your savings will stretch even further. If you aren’t ready to design your own clothes then you will fall in love with the low cost of patterns that range from infant to plus size! You will love the how in control you feel over you clothing choices and how much money you aren’t spending in stores!

5. Lose the Brands
Brands are one of the fastest way to drain your clothing budget. Just because clothes have a brand name doesn’t mean the clothing is any better than names that don’t appear with a three figure price tag. There are many clothing lines on the market now that will give you great quality and durability while still providing you will a chic look you’ll love. Stores such as Ross and other factory outlets are designed to provide you will clothes like look great, but won’t break the budget. Stores like these are perfect for shoppers with children who want to look cool at school, but need to stick a reasonable budget. You will find that you can afford up to five outfits that are off brand in comparison to the one pair of brand name jeans.

6. Shop Out of Season
Being an early bird can have its benefits, for instance, you can save hundreds of dollars just by shopping out of season. If you tend to stay the same size throughout the year, then why not shop for your clothing when the season is out. There are many stores that will throw all of last season’s clothing into sales and clearance bins so they can make room for the on season clothing. This is a great time to stock up for the next year, especially since you will be able to get so many outfits for the price of one on season outfit. It is important to take size into consideration, especially with children, but rummaging the off season clothes line can be your ticket to a fabulous wardrobe without the cost. You never know what you’ll find in these bins and sometimes you might be lucky enough to run into something you just can’t live without!

7. Wait for the Sales!
Although it might seem like a struggle at times, waiting for sales can be a great way to keep your clothing budget in check. Start looking for clothes you might love during a holiday season, such as Memorial Day weekend, and wait for the big price drops to hit. Many stores love celebrating holidays with a huge sale event because they know many people will be off work and looking to get their shopping finished. There are also so many sales around back to school dates, which is great for stocking up on your kids clothes, particularly the more expensive items like jeans. Another way to shop the sales rack is to sign up for members benefits with your favorite stores. Many of these stores will send out sales articles or special coupons to their members to encourage shopping dates. Of course, you can always surf your favorite stores for their online sale and clearance bin for deals that you won’t even find in their stores!

8. Always shop around
A lot of times we think we’ve found an amazing deal when truthfully we just haven’t shopped around enough to find a better deal. There are many times that we think that if we don’t buy the item on the spot that there won’t be another chance to do so. It is always best to step back when this happens and think about it a little bit before you commit. If you have a smart phone, maybe do a check for the item in other stores that might carry it. One of the easiest ways to solve the on the spot buying problem is to do your homework before you go out. If you need something research it online and find who has the best deals, that way you won’t be caught off guard for an impulse buy.

9. Multifunctional items make a wardrobe
Functionality is one of the most important parts of a wardrobe. Having clothing that can be used in a variety of different ways is one of the easiest ways to find satisfaction in the clothing one already owns. So, when shopping look for items that can be used with lots of different clothing so you don’t feel as if you are wearing the same clothes over and over. A great pair of trousers, a neutral blazer or a conventional skirt are all perfect items for any wardrobe as you can wear them to work or hanging out with your friends. It is better to spend more money on these items then you would on key items, such as a colored shirt or flashy accessory. If you can find a great item that is also multifunctional on sale then you certainly well on your way to spending your budget wisely.

10. Set the limit
Of course, we can talk about setting a budget and sticking to it when it comes to shopping the budget can slip away quickly. One of the easiest ways to ensure that you’ll stick to your allotted budget is to shop with cash only. Charging clothes can lead to extra cost down the line, which really isn’t sticking to the budget, now is it? Even shopping with a debit card can lead you to spend extra money on items that could take away from your other expenditures. Shopping with cash will ensure that you’re not going to over spend and it will also teach you how to reconsider everything you choose. With this skill you will be able to shop intelligently and will save an even greater about of cash that you can use for a splurge item later on.

Shopping for clothes doesn’t have to be a thorn in your side. When you use these tips you will not only save cash in the long run, but will develop skills that help you become a better shopper in general. You will love how you can maximize your wardrobe and how much you will connect with others over your love of fashion. The best thing is, your wardrobe will grow with items that you would have never have thought of before, which will turn you into a fashionista with a mind for saving.

Weddings can be a stressful time, especially if you spend the entire process stressing out over the cost. With these ten tips you will be well on your way to shaking the wedding blues thank to the amount of money you will spend on your big day. Each of these tips will provide you will a simple solution that will give you the wedding of your dreams without the bill of your nightmares. Finally, you can sit back and relax as you make the decisions that will shape one of the biggest days of your life. Before you know it, you will be walking down the aisle and looking forward to the amazing honey money you could afford thanks to all of your wedding day savings.

1.Invitations/ Save the Dates
Although important, invitations and save the dates weren’t created to dictate a huge portion of your wedding budget. In order to save big money on this simple piece of your wedding you should make sure you shop around before purchasing. Finding these items on sale can be a huge money saver, and looking around can actually help you make a wise choice as to what a great price is. Of course, if you’re looking to save even more money you can always put on your crafting gloves and make the items yourself. This could also be a great wedding shower activity that will allow you and your bridesmaids to bond over the wedding ideas so far. You might even take inspiration from one of the items you looked at while pricing!

2. The Dress
For most women then dress is the most important part of the wedding. A lot of the time women have actually planned out their perfect dress for years prior to the wedding, so it is often hard to come to terms with the dream dresses being way out of the budget’s spectrum. There are many ways to have a beautiful dress without spending a fortune though. For instance, keep your wedding traditional. There is nothing more beautiful than wearing a dress that has been in the family for generations. It will also make the dress even more special when you pass it down to your daughter in the years to come. You can also find amazing dresses at charity shops or on clearance racks at many popular stores. The key is to look at the dress for what it and not where it is coming from. You can turn any dress into something that your wedding guest will remember for a lifetime. If you do have to have a brand new dress then make sure you shop around to find the best deal, or better yet, have someone close to you create the dress for you.

3.The Venue
The venue often tends to be one of the major expenditures that could have been budgeted more wisely. Many people want to get married in the huge church or venue that might cost thousands to book for only a couple hours of service. If you don’t have a huge guest list then you might want to try out an outdoor venue, depending on the time of year you get married. Outdoor weddings tend to run a bit cheaper and are already beautiful so you don’t have to spend too much money on decor! Try finding a place at an unpopular beach, or maybe even a lovely field. If you have family or friends with a big backyard then that might be a great little space to tie the knot. If you want an indoor wedding try booking a smaller chapel that will give you a more romantic feel anyway. One of the key ways to save here is to book in advance. If you want a summer wedding make sure to book it in the winter. You might get a great discount and will also ensure that you won’t end up on a waiting list. Unpopular venues are not only cheaper, but will also give you more time in case, say, the limo experiences technical difficulties or is stuck in traffic!

4. Off Season Weddings
Spring and summer seem to be the most popular times for weddings, which is also why it cost so much more to get married during this period of time. If you’re looking to save some money on your wedding then aim for a day in the autumn or winter as any venue will be cheaper. You will also find a better deal on entertainment and other needs for your wedding because business is not as booming as it is in the warmer months. Although the weather might not be the best of things to contend with the savings will get you a refreshing price on just about everything you need to make your guest happy. Having an off season wedding also means an off season honey money, which will make your budget go even further.

5. Photo/Cinematographers
Hiring someone to take photographs or record your wedding and reception can run you thousands of dollars, especially if you go through a business. There are many ways to beat this hige fee though. For instance, if you have a photographer in your close circle then you might offer them a small fee to do the same job. This way you are getting someone you trust to do the job and skipping out on the price. Another way is to hire in a photographer to do the initial work, while utilizing your photo shopping or video editing skills for the rest. This will cut down on the cost of the project and give you the control of editing your memorabilia. You can also shop around for students who are looking for experience. In this case you won’t end up paying as much and you will also be helping out a student. Of course, make sure to look at the students portfolio before you make any final decisions. Finally, if you want a unique experience, add a disposable camera onto your guest chairs so they can take their own photos. Develops the cameras when you get home from your honey mood for a wide spectrum of photos you will fall in love with.

6. Flowers
Flowers also tend to be a huge expenditure, especially when you have everything made for you. You can save huge on flowers by simply buying local items that are in season at the time. This will also help you bring out the beautiful natural elements of your wedding. If you, or someone you know, is great with crafting then you might want to make your own flower arrangement as it will save money and help you get the bouquet you want without a third party stepping in. As far as floral decorations go keep it simple. You don’t have to have massive amounts of flowers all over the place and the flowers you do have can be set up by you or your bridal party. If you have a flower girl let her go out and pick her own flowers. This will not only keep the little one entertained during wedding business, but will give you a wide variety of flowers.

7. Entertainment
Looking for entertainment can be timely and expensive. One of best saving tips is to go with a company that bundles their services. For instance, if you can find someone that caters, provides a DJ and any other services you might want, then you might save ordering from the same place. If you call and ask they might even give you a discount for giving them so much business. Of course, if this is not possible then you certainly want to shop around before making any decisions. Look for a catering group that uses foods that are in season and don’t provide too many food options for your guest. The more elaborate the meal is the more expensive it usually is. When looking for a DJ, once again, shop around for students looking to add some experience to their resume.

8. Reception and Mementos
Getting the receptions ready to go and providing your guest with mementos can be a huge drain on the budget. If your catering company or reception venue doesn’t supply runners, centerpieces and other decor then you might want to look into creating your own. This will give you the opportunity to play on your wedding theme. For instance, if you are getting married on the beach then add some sand based designs to the table. You can even direct guest to the appropriate seating table with small mementos with their name and table number on it. If you don’t want to get crafty then look online for clearance items that might work out for your wedding or do you shopping early and grab off season items months prior to the wedding. The key to providing a great looking reception is to not spend too much money on it, but to make it look comfortable to the guest. This can be done with the simplest of items, so you won’t need to fret over spending even more.

9. Bridesmaids and Groomsmen
One of the biggest cost of the wedding can be your bridesmaids and groomsmen’s attire. When conserving money it is important to find items that don’t cost as much as your did! There are many dresses on sale or on a clearance rack that will look great on your bridesmaids. Of course, finding enough of the same dress in the appropriate sizes might be hard. One of the best ways to save money on dresses is to make them yourself, or have someone make them that will give you a great price. This is the best way to supply dresses that fit everyone perfectly and keep a great uniform look for the bridal party. You can even have the guy’s cummerbunds made to look like the girl’s dresses when you go this route. When it comes to the guy’s tuxes renting is always a great way to go, but make sure to shop around first.

10. The Finishing Touches
You would be surprised at how much money actually goes towards the finishing touches of the wedding. From the jewelry to the hair stylist you can lose thousands of dollars if you aren’t careful. When it comes to accessorizing your dress keep it simple. The veil can be hand made easily, or in some cases can be bought in a bundle with the dress. When it comes to jewelry keep it traditional with the something blue, something borrowed and something new rule. You don’t have to go out and spend a fortune on something when the only piece of jewelry that is going to matter will belong on your finger. Shoes are rarely ever seen under the dress, so don’t bother spend a fortune here either. Some people find their shoes online for $5 or less! Also, when it comes to hair hire a student who needs the experience. You and your bridesmaids will have a great look at the same price it would cost only one of you to get your hair done at a salon.

Your wedding day doesn’t have to bring tears of grief to your eyes. Thanks to these tips you will be able to walk down the aisle without thinking about the credit card bill that is coming in the mail. You will be able to enjoy your beautiful decorations and great company. You will also love the personal touch your wedding has thanks to all of the beautiful work you put into your big day.

Keeping your kitchen looking great can cost a lot of time and money that isn’t always feasible in the scheme of things. Luckily, there are many different ways to keep your kitchen looking perfect without having to dish out cash on cleaning, eating or decorating supplies. These ten tips will help you find ways that work great for your family as well as your routine, so saving money doesn’t seem like a big deal. Each tip comes with a cheaper alternative to the typical household solution to messes and other kitchen related problems that effect you from day to day. You will save so much that you’ll be able to cash in on one of those big tickets items you’ve been looking for.

1. Lose the Scrubs
A lot of the cleaning budget tends to be devoted to scrubs and solutions that help make cleaning jobs a lot easier. Unfortunately, these products tend to cost a bit more than we’d like and often don’t do the job completely. There are, however, a few products that can already be found in the household that will not only help you get the job done, but will also save you lots of money in doing so. Vinegar and baking soda are great common items that are known to wipe away stains and hard to scrub areas. Pour come vinegar on your stove and get rid of grease stains that have been sitting for some time. Add baking soda to a tough refrigerator spill and wipe the mess and the smell away. With these two items you will have your kitchen sparkling in no time.

2. Throw Out the Paper Products
Although paper towels, napkins and plates tend to make our lives a bit easier they tend to dissolve the kitchen budget. There are many ways to get the same effect without having to waste lots of paper products in the process. For instance, plastic plates tend to run cheaper and make an easy to clean solution for large parties or for children just learning to eat. Simply wash these plates off and they’re ready to use for the next big occasion. Clean up your kitchen messes with towels or old rags. This will not only save money, but will also get the job done faster as most towels tend to absorb more than paper towels. Finally, step your dining room table up to restaurant quality with cloth napkins that can be thrown into the washer after using. Once you begin to utilize the lack of paper products in the kitchen you’ll forget about using paper products.

3. Zest up the Kitchen with Citrus
The kitchen is a source of many not so pleasant smells at times. There are many products on the market that are designed to freshen up the room, but none work quite so well as a little lemon zest. The garbage disposal is one of the smelliest places in the kitchen because it is constantly getting rid of food without being cleaned out. When you use a lemon, or other citrus based fruit, through the rind into the garbage disposal and turn it on. This will not only get rid of the smell and spread the citrus scent through the room, but it will also help keep your blades working great. The refrigerator is also another source of bad odors. Cut open a lemon and leave part of it in the cooling portion to keep the odors at bay. You can also place part of it in the freezer for a great zesty smell that will overcome the smell of freezer burn and any other odorous foods. The best thing about citrus zest is it cost cents to purchase and is often a leftover product from foods we love.

4. Re-use Ziplocs
We all love to use ziplocs and other plastic storage devices, but they can cost a lot in the long run. There is, of course, no harm in re-using your plastic products. Whether you need them for your child’s lunch at school or to keep leftovers in, a ziploc bag can be rinses out, sanitized and dried for use on another day. The best thing about doing this is you are saving cash, but your are also saving the environment. Your family won’t know the difference between a new and used ziploc and you will get at least a hundred uses out of the one bag. The same can be said of tupperware, or plastic containers that lunch meat and other products come in.

5. Re-use Glass bottles
If you’re a fan of beer, wine or other drinks that come in glass bottles then you know how the bottles can collect in your home. If you aren’t interested in recycling the bottles for the CVR cost, then you might want to think about turning your bottles into drinking glasses. This task is actually quite simple and will save you lots of money on buying manufactured glasses. All you need is a glass cutter and sand paper and you are set to make some unique glasses that none of your friends will have. This also works out great for jam and other mason jars, especially if you’re looking for a cute design for kids. Many of the jams designed for kids will have cartoon characters that your child won’t want to part with. If you aren’t interested in glasses then maybe break of the glass to create cool mosaic art, or a nice table top!

6. Use Kitchen Supplies as Decor
Forget spending a fortune on art for your wall when your kitchen supplies look great. If you love to bake and have plenty of different shaped cake pans then hang them on the wall. Not only will you have an amazing look that will be unique to your home, but you will also save on storage space. The same can be said for pots and pans! Whether you hang them on the wall or a drop down pot hanger, your cooking utensils will look like works of art in the kitchen. You can also hang up hold plates that provide you with memories and old cooking spoons that you don’t often need to use. With these items hanging up your kitchen will look well put together without a single piece of art on the wall.

7.Soap Pouches Aren’t Money Savers
Soap pouches are definitely a convenience in the home, but they don’t actually do a whole lot for the family budget. When you purchase regular liquid and powder dish soaps then you are not only saving money, but also allowing the item to stretch further. These products can be used for over a month, while a set of dishwasher pods only last the number of pods that are in the package. You can also do a lot of other cleaning with the typical powdered and liquid soaps that you wouldn’t be able to do with the the pods. For instance, if you take powdered soap into the bathroom it can help clean out the tub. It can also be used to clean tough grime out of the kitchen sink, whereas the pods only work in the dishwasher. Pods are also not exactly the safest thing to have around children as they tend to look and feel like a toy.

8. Stay Away From Disposable Mops
There are many disposable mops on the market these days who advertise based on convenience, which is easy to fall into. When you purchase one of these mops you are tied to buying the disposable wipes for as long as you use the mop and the wipes aren’t exactly cheap. If you are looking for immediate savings when it comes to a kitchen mop then look no further than the traditional mop. This mop will get the job done and often cost less than $5. You can even modernize it a bit and purchase one with a replaceable head, as it will still keep to the budget and you won’t have to replace anything any time soon. If you are looking for long term savings check out a floor cleaner that works on both hard and carpeted surfaces. This machine will be able to clean your entire house without any added cost to the budget, especially when you shop for a bagless product!

9. Tin Foil is Your Best Friend
When it comes to the kitchen tin foil is one of the best products you can have. Put some tin foil under each of your burners and you will never have to deep clean your stove again. Simple replace the tin foil and enjoy a stove that is so clean is sparkles. If you have a self cleaning over then put some tin foil on the bottom rack. This will allow all the particles to fall onto the foil, so that you won’t have to brush them out later. One of the best way to avoid kitchen clean up after meals is to play tin foil on your pans before baking. This will not only help you avoid scrubbing pans all night, but will also make your food healthier as you won’t have to grease down your pan just to ensure you’ll be able to get your food out. Tin foil can also help your store item, wrap up your child’s lunch, or keep your pets food fresh for the next feeding time. Tin foil is cheap to buy and goes pretty far, which is why it is such an important element in the household!

10. Pottery Class is Functional
If you love pottery then it might be one of the best money savers you’ve come across. Pottery classes, or just picking up the hobby at home, will allow you to create plates, bowls and mugs for your home to use. You will fall in love with creating the perfect dishes for your home and might even be able to bring the entire family in on the project. How fun would be if everyone in the household had their own plate, bowl and mug that shows off their personality? The hobby doesn’t have to end at a basic serving set though. You can create serving platters and bowls that will wow all of your guest during the holidays. This hobby will also save you huge as you won’t have to go out and buy expensive dinner sets that are too small for your family to use anyway. Instead of doubling up on pre-boxed sets you can keep the dishes coming all year long!

The kitchen is one of the most popular rooms in the house, so of course you stress over the budget it takes to keep this room smelling and looking wonderful. Cleaning alone can consume your budget as well as your time, but with these tips you will be looking at a new kitchen that takes less than half of the original budget to keep looking amazing. You won’t stress out walking into your kitchen from now, but you will take in the fresh scent and clean look and sigh with relief thanks to your kitchen know how.