Tag Archive | "expenses"

How to Seriously Save More Money in This Tough Economic Times


With the economy like it is, most people think it’s impossible to save more money. Yet, everyday, we hear tons of success story of people being able to save more money. If this is you, here’s what you need.

Trimming your expenses is actually quite easy, but you need to first keep track of them. The easiest way is actually to log them as they come in. It sounds cumbersome but it’s much easier than doing it in batches because it’s very overwhelming.

Most people think it’s time consuming to keep a budget but it’s actually easy once you set it up. Sure, it takes time at the beginning but when it’s working right, it’s easy to go through it each day or week.

Most people don’t think of consolidating your debt to save money, but this is one of the more effective ways to conserve cash. If you have high interest loans anywhere, just move them to a lower rate account.

Driving less seem trivial but with some careful planning, you can really save a ton of gas and save lots of money in the meantime. With gas prices going back up these days, a little planning can mean big bucks.

Clipping coupons used to be a mom only hobby but it’s becoming a national trend. Whether it’s online retailers, grocery stores or Best Buy, you can find coupons to save more money.

Stop worrying about what others will think and just get a smaller house. With property taxes and all the cleaning services that you pay for, you will save lots. Additionally, less area means a smaller space for air conditioning.

Some people’s monthly service bills are outrageous. Do you really need two different gym memberships? Are you aware that you can probably lose weight if only you cut out your cable bill and exercised more?

Let your creativity shine by thinking of how to do everything for free. Whether it’s software or activities, there’s probably a free version out there. Imagine a world where everything is free. How can you not save money?

Posted in Personal FinanceComments (0)


<ul><li><strong>woo_ads_rotate</strong> - true</li><li><strong>woo_ad_content</strong> - false</li><li><strong>woo_ad_content_adsense</strong> - </li><li><strong>woo_ad_content_image</strong> - http://www.woothemes.com/ads/woothemes-468x60-2.gif</li><li><strong>woo_ad_content_url</strong> - http://www.woothemes.com</li><li><strong>woo_ad_header</strong> - false</li><li><strong>woo_ad_header_code</strong> - </li><li><strong>woo_ad_header_image</strong> - http://woothemes.com/ads/woothemes-468x60-2.gif</li><li><strong>woo_ad_header_url</strong> - http://www.woothemes.com</li><li><strong>woo_ad_image_1</strong> - http://malumemedia.com/wp-content/themes/flashnews/images/ad-125x125.gif</li><li><strong>woo_ad_image_2</strong> - http://malumemedia.com/wp-content/themes/flashnews/images/ad-125x125.gif</li><li><strong>woo_ad_image_3</strong> - http://malumemedia.com/wp-content/themes/flashnews/images/ad-125x125.gif</li><li><strong>woo_ad_image_4</strong> - http://malumemedia.com/wp-content/themes/flashnews/images/ad-125x125.gif</li><li><strong>woo_ad_leaderboard_f</strong> - false</li><li><strong>woo_ad_leaderboard_f_code</strong> - </li><li><strong>woo_ad_leaderboard_f_image</strong> - http://www.woothemes.com/ads/woothemes-728x90-2.gif</li><li><strong>woo_ad_leaderboard_f_url</strong> - http://www.woothemes.com</li><li><strong>woo_ad_mpu_adsense</strong> - <a href=\"http://www.jsaitservices.com/\"><img src=\"http://clandunlop.org/wp-content/uploads/2010/03/advert.png\" alt=\"JSA IT Services\" title=\"JSA IT Services\"</a>
</li><li><strong>woo_ad_mpu_disable</strong> - true</li><li><strong>woo_ad_mpu_image</strong> - http://www.woothemes.com/ads/300x250a.jpg</li><li><strong>woo_ad_mpu_url</strong> - http://www.woothemes.com</li><li><strong>woo_ad_page</strong> - advertising</li><li><strong>woo_ad_top_adsense</strong> - </li><li><strong>woo_ad_top_disable</strong> - true</li><li><strong>woo_ad_top_image</strong> - http://www.woothemes.com/ads/468x60a.jpg</li><li><strong>woo_ad_top_url</strong> - http://www.woothemes.com</li><li><strong>woo_ad_url_1</strong> - http://example.com/ads/ad1_destination.html</li><li><strong>woo_ad_url_2</strong> - http://example.com/ads/ad1_destination.html</li><li><strong>woo_ad_url_3</strong> - http://example.com/ads/ad1_destination.html</li><li><strong>woo_ad_url_4</strong> - http://example.com/ads/ad1_destination.html</li><li><strong>woo_also_slider_enable</strong> - false</li><li><strong>woo_also_slider_image_dimentions_height</strong> - 144</li><li><strong>woo_alt_stylesheet</strong> - default.css</li><li><strong>woo_archives</strong> - archive</li><li><strong>woo_archive_page_image_height</strong> - 220</li><li><strong>woo_archive_page_image_width</strong> - 200</li><li><strong>woo_asides_category</strong> - Select a category:</li><li><strong>woo_asides_entries</strong> - Select a number:</li><li><strong>woo_author</strong> - false</li><li><strong>woo_automate_slider</strong> - false</li><li><strong>woo_auto_img</strong> - false</li><li><strong>woo_bgr</strong> - black.css</li><li><strong>woo_blog_cat_id</strong> - </li><li><strong>woo_blog_navigation</strong> - false</li><li><strong>woo_blog_permalink</strong> - </li><li><strong>woo_blog_sidebar</strong> - Homepage</li><li><strong>woo_breadcrumbs</strong> - false</li><li><strong>woo_cat_menu</strong> - false</li><li><strong>woo_contact_page_id</strong> - </li><li><strong>woo_custom_css</strong> - </li><li><strong>woo_custom_favicon</strong> - http://malumemedia.com/wp-content/woo_uploads/4-new-300.png</li><li><strong>woo_excerpt_enable</strong> - false</li><li><strong>woo_exclude_pages_main</strong> - </li><li><strong>woo_featured_category</strong> - Affiliate Programs</li><li><strong>woo_featured_entries</strong> - 5</li><li><strong>woo_featured_image_dimentions_height</strong> - 371</li><li><strong>woo_featured_sidebar_image_dimentions_height</strong> - 78</li><li><strong>woo_featured_tag</strong> - </li><li><strong>woo_featured_tag_amount</strong> - 3</li><li><strong>woo_feat_entries</strong> - Select a number:</li><li><strong>woo_feat_page</strong> - </li><li><strong>woo_feat_pages</strong> - </li><li><strong>woo_feedburner_id</strong> - </li><li><strong>woo_feedburner_url</strong> - http://feeds.feedburner.com/malume</li><li><strong>woo_flickr_entries</strong> - Select a number:</li><li><strong>woo_flickr_id</strong> - </li><li><strong>woo_footer_left</strong> - </li><li><strong>woo_footer_right</strong> - </li><li><strong>woo_google_analytics</strong> - </li><li><strong>woo_gravatar</strong> - true</li><li><strong>woo_highlights_show</strong> - false</li><li><strong>woo_highlights_tag</strong> - </li><li><strong>woo_highlights_tag_amount</strong> - </li><li><strong>woo_highlight_text</strong> - </li><li><strong>woo_highlight_url</strong> - </li><li><strong>woo_hightlights_image_dimentions_height</strong> - 75</li><li><strong>woo_home</strong> - false</li><li><strong>woo_homepage_image_link</strong> - false</li><li><strong>woo_home_sidebar</strong> - Blog Pages</li><li><strong>woo_home_thumb_height</strong> - 57</li><li><strong>woo_home_thumb_width</strong> - 100</li><li><strong>woo_image_single</strong> - false</li><li><strong>woo_inc_feat_page</strong> - false</li><li><strong>woo_inc_feat_pages</strong> - false</li><li><strong>woo_inc_footer_left</strong> - false</li><li><strong>woo_inc_footer_right</strong> - false</li><li><strong>woo_inc_intro_page</strong> - false</li><li><strong>woo_inc_slider_pages</strong> - false</li><li><strong>woo_intro_page</strong> - </li><li><strong>woo_layout</strong> - default.php</li><li><strong>woo_logo</strong> - http://www.malumemedia.com/wp-content/woo_uploads/4-cooltext442466409.png</li><li><strong>woo_manual</strong> - http://www.woothemes.com/support/theme-documentation/gazette-edition/</li><li><strong>woo_minifeat_height</strong> - 110</li><li><strong>woo_minifeat_width</strong> - 218</li><li><strong>woo_nav_exclude</strong> - </li><li><strong>woo_other_entries</strong> - 3</li><li><strong>woo_other_headlines</strong> - Select a number:</li><li><strong>woo_page_sidebar</strong> - Inner Pages</li><li><strong>woo_recent_archives</strong> - #</li><li><strong>woo_resize</strong> - false</li><li><strong>woo_shortname</strong> - woo</li><li><strong>woo_show_carousel</strong> - false</li><li><strong>woo_show_featured</strong> - true</li><li><strong>woo_show_video</strong> - false</li><li><strong>woo_single_height</strong> - 180</li><li><strong>woo_single_post_image_height</strong> - 380</li><li><strong>woo_single_post_image_width</strong> - 280</li><li><strong>woo_single_width</strong> - 250</li><li><strong>woo_slider_heading</strong> - Also in this site</li><li><strong>woo_slider_pages</strong> - </li><li><strong>woo_tabs</strong> - false</li><li><strong>woo_themename</strong> - Gazette</li><li><strong>woo_the_content</strong> - false</li><li><strong>woo_thumb_height</strong> - 100</li><li><strong>woo_thumb_width</strong> - 100</li><li><strong>woo_uploads</strong> - a:4:{i:0;s:73:"http://www.malumemedia.com/wp-content/woo_uploads/4-cooltext442466409.png";i:1;s:73:"http://www.malumemedia.com/wp-content/woo_uploads/3-cooltext442466409.png";i:2;s:59:"http://malumemedia.com/wp-content/woo_uploads/4-new-300.png";i:3;s:59:"http://malumemedia.com/wp-content/woo_uploads/3-new-300.jpg";}</li><li><strong>woo_video_category</strong> - Select a category:</li></ul>