How To Be More Responsible With Money In 2016 And Beyond

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A new year is upon us. If there’s only one resolution that you should keep in 2016, then it should be to take better control of your financial situation. Money might not be the most important thing in this life, but it will have a direct impact on your possibilities.

There are many factors contributing to your overall financial situation. The only way to create a better financial future is to treat it as a package. After all, there’s no point in making some improvements if those impacts are reversed by the bad habits that remain.

Follow these tips, and you’ll be amazed at how quickly things change for the better.

Understand Your Situation

You cannot work your way towards a better financial future unless you first gain a better understanding of where you are currently at.

One of the most effective ways to do this is by tracking your net worth. This will show you where you stand, as well as what direction you are heading in. If this doesn’t help you make changes for the better, then nothing will.

Increase Income

No matter how well you think you’re doing, you can always improve. There’s no time for resting on your laurels, and the best method for gaining a better financial future is to increase your income.

Climbing the career ladder is an aspiration that every responsible adult should possess. Let’s face it, though, the key barometer for success money. If you feel underpaid, then there’s a good chance that you are. Ask your boss for a raise in the appropriate manner, and it could help unlock a door to bigger and better things.

Meanwhile, you can also make money on the side by making smart investments or starting a small business.

Reduce Spending

Financial responsibility is a two-way street, though. It’s not all about what’s coming in. Monitoring your outgoings is equally important, and lowering overheads will make a vast impact on your life. If you can cut the fat without reducing your quality of life, then taking those steps is a must.

The vast majority of people are wasting money needlessly by paying over the odds for energy rates and entertainment plans. Using price comparison sites to find the best deals will help you live a more cost-effective life. Similarly, reducing waste around the home will slowly but surely improve your finances too.

Prepare For Future

The key to handling your finances in a responsible manner is to invest in your future. Of course, you should allow yourself to enjoy the present. However, it’s equally important to make preparations for later life. Failure to do so will only come back to haunt you.

This smart retirement planning advice from the AlternativeInvestmentCoach will serve you well. Combine this with more educated decisions, and you should see great results. With life expectancies rising by the decade, this could be crucial when you reach the autumn of your life. After a lifetime of work, being comfortable in retirement is the least you deserve.

It’s all about adopting a responsible approach. Do this now, and you can’t go far wrong.

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My Advice for Saving Money When You Shop

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We all love a good bargain and to save money when we shop. The cost of living is increasing, and unfortunately, wages aren’t always following suit. So the majority of us want a deal when we shop.

 

As you will know, I love to use coupons. I find couponing fun and enjoy it as a hobby. It is just a bonus that I get to save money too. There are a few little-known ways to go about getting coupons, though. Of course, there are the usual ways of getting coupons. The traditional way is to use magazines and newspapers and cut out the coupons. Then just save them up to use when needed (making sure that they are used before their end date of course). There are a few other ways to get coupons, though.

 

Always check the packaging on food wrappers and cartons; don’t throw them away until you’ve checked! There may be voucher codes on food packaging too. The ultimate is finding one that offers a free item. If this is the case, stock up. You’d be able to double up the amount of your food storage.

 

I have found that often, supermarkets will have leaflets or a store magazine. Be sure to look out for them by the till or by the store entrance. You could grab a few and sort through them. It may be for only that store, or for the chain if it is one, but it is all good. Getting money off the things we have to buy, like food, is the best, in my opinion.

Another way for getting coupons is to look on social media. Brands will often have an incentive for liking their page on Facebook or for following them on social media. Search for your favourite brands and see what they have to offer. Did you know there are couponing or money saving groups online? I know of several on Facebook. They are great for connecting with like-minded money savers and finding extra deals. Members of the group will post on the page about deals that they have found. So have a good read through and you could even share your bargains or deals that you’ve found.

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I have also found that if you like a product, it is worth writing to the company to tell them. Who doesn’t like to get praise? More often than not, you will be sent back money off or a freebie coupon. This works for complaints too. As a rule, they want to keep customers happy, so if you aren’t, let them know. Quite often they will give you coupons to try their other products or ranges.

There other ways to save, other than couponing, though. When you are shopping, be sure to look for offers, like ‘2 for 1’ or ‘buy one get one free’. For these things, it is worth stocking up. Thinking ahead is a great idea when you see these deals too. Maybe only one size of diapers is on offer, and your baby isn’t yet in that size. They will be eventually so fill your cart and make a saving. Planning ahead goes for different kinds of foods or offers on gift items too.

When you are shopping, it is important to be flexible with what you buy. Different brands will be on offer and have deals, at different times. I think that this is particularly true for makeup and beauty brands. Simply swap the brands and save. You never know, you may even enjoy the new brand. There is usually one different brand on a deal each time I go to the drugstore.

If you are into shopping online, there are a lot of deals to be found. When you visit a page for the first time, there may be a pop up to sign up to their mailing list. After doing this, they usually offer you a discount code. If you have a few email addresses, try signing up with other email addresses too. Then you get to have the discount twice. So great, right? If you don’t want to have these emails come through to your work or home email, consider setting up a separate one. Then you know where all your offers will be sent.

I hope that you have found this advice useful. I am a big fan of money-saving so hope I can help you to save too. There are a lot of ways to save money when you shop. You just need to be informed and know what to look for. Let me know your tips in the comments below.

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How Much Money Should You Spend on a Gift?

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How much money is appropriate for you to spend on a gift for somebody? Isn’t it a conundrum? If you both agree on a set price, then you may as well not buy anything at all. Sheldon from the Big Bang Theory feels very strongly about this! Setting a limit can be OK in some cases. But what if you don’t feel good discussing this with them? You need to come up with a budget all on your own. This guide should give you some perspective and help you to come up with the perfect gift budget!

Giving What You Feel Comfortable With

If you’re unsure of what to spend on a gift, you need to ask yourself honestly what you feel comfortable with spending. You don’t necessarily need to consider anything else once you’ve come up with the amount. You shouldn’t consider how much they have spent on you or anything like that; it isn’t about giving a gift of equal price value. A less expensive gift could be just as valuable if you put enough thought into it! Consider the amount you earn and how much you can afford to come up with an amount you feel comfortable with. Bear in mind that there are all kinds of ways you can buy gifts for a fraction of what you’d usually pay – I love using coupons!

Is the Occasion Important/Unique?

How special is this occasion? If it’s a housewarming gift, you don’t need to spend much at all – afterall, you may have many more housewarming gifts to purchase in the future. However, a wedding usually only happens once, so it makes sense to spend a bit more. If you just want to treat someone for no reason, giving scotch as a gift, or something similar is a good idea.

What’s Your Relation to the Person?

Your relation to the person will usually dictate the amount you spend too. You’ll likely spend more on your spouse or child than you would on a friend or godchild. It just wouldn’t be feasible for you to spend as much on everybody as you would on your own children!

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The Thought You Put in

Giving gifts isn’t all about the money you spend. It’s about the thought. It might sound cliche and cheesy, but it’s so true! Giving a really expensive gift that you haven’t put much thought into won’t necessarily mean a lot to the receiver. You could buy something dirt cheap, but if you’ve taken everything into consideration about what the receiver likes/dislikes, you’ll get a much better response from them.

I hope this has helped you to get some clarity on how much you should be spending on gifts for different occasions. If you don’t feel comfortable spending a certain amount on a gift, then don’t be afraid to spend less. The fact you’re giving a gift at all will mean a lot! What are your thoughts on gift giving? Let me know by leaving a comment below!

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3 Major Benefits Of Quick Cash Home Sales

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When most people sell their homes, they tend to go down the traditional route of using a realtor. However, if you need to make a quick sale and move on as soon as possible, then you might be better off using an alternative method. Today, I’m going to take a look at some of the benefits of getting a quick cash sale, which could prove useful to you under certain circumstances.

Speed

The first benefit is the most obvious – speed. If you need to move home as soon as possible then finding a quick cash buyer is one of your best options. It could be all completed within just a few days, rather than the facing the risk of putting it on the regular market. There are no guarantees that your home will sell quickly, and there are plenty of things that could go wrong. You might have to rely on a chain, for example. Or you could get led down the garden path by someone who ends up pulling out at the last-minute. A cash buyer – either company or individual – offers a quick and guaranteed sale, and if you need it, it’s definitely worth looking into.

Money

One of the biggest criticisms that quick cash sales face is that they don’t give you the market value of your home. However, when you add up the costs of waiting for months on end for your property to sell, there may not be much in it. There are realtor charges and legal fees you have yet to face, for example. It all depends on your circumstances at the time. If you are facing financial difficulties, then a quick cash sale could enable you to raise enough money for a deposit on a new and cheaper home loan. It will also give you the money you need to pay off your debts. If those debts are racking up interest, the quicker you pay them off, the less you will be charged.

Repairs

Another major issue for people needing to move out quickly is that they might have lots of repairs to make. On the open market, this is going to cause a problem. Let’s face it, most people don’t want the hassle of doing up a home. They just want to move in, save as much as possible, and get on with their lives. So, already, you will find yourself working with a much smaller market. Plus, if there is any damage, any prospective buyer will expect money off the asking price. And, if you aren’t careful they could sting you with a last-minute threat to pull out unless you drop the price even more. Using a cash buyer, you may not have these issues. Take Florida Cash Home Buyers, for example. They, like many other home buying companies, will snap up your property in whatever state it is in. It’s a solid option for anyone wanting to get out without facing up to the hassle and expense of big repair jobs.

So, have you ever been through a quick cash sale? If so, how did you find it? Share your knowledge in the comments section below…

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Best Deals This Week- June 3rd, 2015 Old Navy, Gap, and More!

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8266090722_97cb6072afI am so excited to share this with our readers.  When every penny counts, it’s so important to save money where you can.  Our friends at Yipit have curated the best deals this week in the 10 largest U.S. cities.
Additionally, they have included the 5 best offers available now nationwide. Enjoy!

Nationwide

Entire Store: Up to 40% Off Get All Old Navy Coupons

Get Up to 40% Off Select Styles Get All Gap Coupons

Free Shipping & Returns Get All Sunglass Hut Coupons

Up to 50% Off Sale Tops Get All Athleta Coupons

Save 15% Off Select Items When You Sign Up for Gearmail Get All REI Coupons

Free Shipping on $45 or More Get All Home Depot Coupons

Clearance Center: As Much As 50% Off Items Get All Lowes Coupons

Shop UA Outlet Plus Free Shipping Over $49 Get All Under Armour Coupons

Hotels: Up to 60% Off Get All Priceline Coupons

Find and Hire Best Local Doctors and Contractors Get All Angies List Coupons

Chicago

Tuesday Night Happy Hour Cruise of Lake Michigan Get All The Mystic Blue Coupons

Tickets to Grilling Competition with Live Music and Raffle for $50 Get All Chefs on the Grill Coupons

Up to 45% Off Drinks, Pizza, Wine & More Get All Fornetto Mei Coupons

Paddleboard, Hobie Kayak, or Sailing Kayak Rental Get All Chicago Water Sport Rentals Coupons

Up to 46% Off Manicures, Pedicures, Facials & Access to Pool, Jacuzzi & More Get All Balance Spa at the Palmer House Coupons

San Diego

50% Off Boat-Rental Services Get All Boatbound Coupons

Up to 40% Off Ice Cream or Yogurt Get All Sub Zero Ice Cream & Frozen Yogurt Coupons

Creation & Earth History Museum – $7 for Admission Get All Creation & Earth History Museum Coupons

Up to 46% Off Harbor Cruise Get All Flagship Cruises & Events Coupons

48% Off Organic Produce Get All Farm Fresh To You Coupons

New York

Twilight Cruise of NYC Aboard Tall-Ship Schooner Get All Clipper City Tall Ship Coupons

Black Angels Over Tuskegee – Up to 41% Off Get All Black Angels Over Tuskegee Coupons

Ticket to 2nd Annual NOLA Funk Crawfish & Music Festival Get All NOLA Funk Crawfish & Music Festival Coupons

Natalie Cole: Grammy Winner Sings Latin Music’s Most Romantic Songs Get All The Town Hall Coupons

$10 for $15 at papabubble Get All Papabubble Coupons

Los Angeles

LA Cosplay Con: Celebrities, YouTubers, Costume Contests, Panels, Dance Party and More Get All Century City Plaza Hotel Coupons

Sclerotherapy Vein Treatment Get All Los Angeles Laser Aesthetic & Skincare Coupons

Up to 47% Off Massages, Facials & Pedicures Get All SPA InterContinental Coupons

$99 — Venice Spa Day: Massage, Facial & Wine, 50% Off Get All Nitespa Coupons

Up to 58% Off Cuts, Color, Highlights & More Get All Román Salon West Hollywood Coupons

Philadelphia

$34 — Manayunk: Zagat-Pick Food Tour w/Tastings, Reg. $74 Get All Chew Philly Food Tours Coupons

Laser Hair Removal or Salt Sauna Treatment Get All Enigma Medi Spa Coupons

Up to 46% Off Swedish Massages & Classic Facials Get All Balance Spa at the Omni Hotel Coupons

Up to 51% Off Small Group Fitness Classes Get All Zen 10 Fitness Coupons

40% Off Mat & Equipment Classes Get All Main Line Pilates Coupons

Phoenix

Summer Family Pass and Special Exhibition Tickets Get All Arizona Science Center Coupons

Wildlife World Zoo: Save up to 30% off Regular Admission Get All Wildlife World Zoo & Aquarium Coupons

44% Off a Visit to Treetop Adventure Course Get All Flagstaff Extreme Adventure Course Coupons

Arizona Science Center – Up to 52% Off Family Membership Get All Arizona Science Center Coupons

42% Off Farm-to-Table Dinner at Litchfield’s Get All Litchfield’s At The Wigwam Coupons

Houston

Aerial Yoga Classes or Private Aerial Yoga Party Get All Aerial Yoga Houston Coupons

Up to 44% Off Go-Karts, Laser Tag, and Mini Golf Get All Track 21 Coupons

$25 for 4 Weeks of Unlimited Boot Camp Get All Mean Green Boot Camp Coupons

75% Off a Japanese Hair-Straightening Treatment Get All Splash Hair Designs Coupons

$50 or $100 on Food + Non-Alcoholic Drinks Get All Prospect Park Sports Bar Coupons

Dallas

2 Nights of Boarding or 5 Days of Doggie Daycare Get All Pawliday Inn Pet Hotel Coupons

50% Off Prints & More Get All LAB ART Texas Coupons

Up to 47% Off Food Tasting at Veritas Wine Room Get All Veritas Wine Room Coupons

$50 for $75 at Facelogic Highland Park Get All Facelogic Highland Park Coupons

47% Off Bikram Yoga Dallas Get All Bikram Yoga Dallas Coupons

San Jose

Prix-Fixe Dinner for 2 at Verge Get All Verge Coupons

57% Off Arcade Visits and Prizes in San Jose Get All Nickel City Coupons

36% Off Mini Golf Get All Golfland Coupons

Juvederm, Botox, Skin Tightening, or a Combination Get All Silicon Valley Aesthetics Coupons

49% Off European Spa Pedicure Get All DD Beauty Salon Coupons

San Antonio

$20 for $40 at My Fit Foods Get All My Fit Foods Coupons

57% Off Steam and Stones Facial Get All K&I Health and Beauty Spa Coupons

$16 to Spend on Chocolates Get All Shakolad Chocolate Factory Coupons

Up to 44% Off at MOOYAH Get All Mooyah Coupons

Up to 47% Off at Flaco’s Burgers & Tacos Get All Flaco’s Burgers & Tacos Coupons

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Mind-Blowing Methods for Money Making at Home

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These days many people struggle to make ends meet in a financial sense. And, as a result, they find themselves in need of extra income. But this is easier said than done. It’s not like you can just make money materialise from thin air. It will require hard work and dedication, and might mean getting a second job. But a lot of people may not have the time or inclination to get a second job. And, if you fall into that category you’re going to need to think of ways to make some extra cash.

Now, the good news is there are a lot of ways in which you can make extra money. One of the most efficient and appealing is going to be making money from home. This gives you a relaxed and stress-free environment to earn some cash. The best way to do this from home is going to be to get online and use the internet to start generating some income. Here are some of the most effective ways to do this online.

Trading

One of the more sophisticated but highly lucrative options is to go into online trading. You could choose to play the stock market. Or you might think about ACM gold trading or forex currency trading. This is an excellent way to make a large volume of cash, but you need to know what you’re doing. It’s no good investing money in stocks & shares or taking part in binary options trading if you have no idea what you’re doing. The problem is it’s easy to lose a lot of money if you try to do this sort of thing. But if you know what you’re doing it could turn out to be a potentially lucrative venture.

Ad Share

Another great idea for making money online is to do ad sharing. If you have a social media account, you can sign up to things like Share Magnet. The way sites like this work are that you use them to post adverts on your social media profile. Then you make money from people clicking on the adverts. The sums are small, but because you’re earning per click the income will mount up pretty fast.

E-Commerce

These days e-commerce has become much more popular. Sites like eBay have opened up the possibility of e-commerce to anyone with a computer. To put it simply, it’s the buying and selling of goods online for profit. You can create a profile and begin selling things right away. The great thing about e-commerce is that it doesn’t require qualifications or experience, anyone can do it. Of course, it helps to have some idea about the types of goods and products that sell well online.

As you can see, there are plenty of ways to make money online at home. The internet has opened so many doors for us these days that it’s accessible to anyone. You might think about using one of these methods to supplement income from your job. Money is tight for a lot of people these days, so it’s important to make extra cash wherever you can.

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Best Deals This Week- May 7th, 2015

This post may contain affiliate links.
Thank you for visiting Cori's Coupon Corner! Please make sure to like us on Facebook, follow us on Twitter and subscribe to our E-mails to never miss a deal!

8266090722_97cb6072afIt’s been a while since I’ve posted some deals but this was too good to not post.  Our friends at Yipit have curated the best deals this week in the 10 largest U.S. cities.
PLUS, they have included the 5 best offers available now nationwide.
Enjoy!

Nationwide

Entire Store: Up to 40% Off Every Old Navy Coupon

Spring Sale: Up to 75% Off Every Gap Coupon

Get Up to 50% Off Select Fashion Brands Plus Free Shipping Every Sunglass Hut Coupon

Up to 50% Off Sale Tops Every Athleta Coupon

Save 15% Off Select Items When You Sign Up for Gearmail Every REI Coupon

home depotSave Up to 40% on Progress Lighting Clearance Event – Every Home Depot Coupon

Get a Free Local Delivery on Grills with $399 or More Orders Every Lowes Coupon

Get Women’s Pure Stretch Underwear 3 for $30 Every Under Armour Coupon

Hotels: Up to 60% Off Every Priceline Coupon

Find and Hire Best Local Doctors and Contractors Every Angies List Coupon

Chicago

Custom Spray Tan + Foot Scrub Every Sorelle Coupon

Microdermabrasion Every Viktoria Skin Care Coupon

Full Arm Wax Every Celebrity Skin Coupon

Pearl Facial Every Topliner Beauty Salon Coupon

Signature Facial Every A Touch of Elegance Coupon

San Diego

Up to 40% Off Ice Cream or Yogurt Every Sub Zero Ice Cream & Frozen Yogurt Coupon

Hot Tub Cruisin Boat Rental for Up to 10 Every Hot Tub Cruisin Coupon

$20 Gets You Dinner for 2 at T-Deli Every T Deli Coupon

Spa Day at 5 Star Rated Spa Kingston Every Spa Kingston Coupon

6 Dinners for $40 at Dream Dinners Every Dream Dinners Boylston Coupon

New York

Haircut or Blowout Every Beauty and Youth Spa Coupon

Blowout Every Extreme Color Coupon

Deep Pore Cleansing Facial + Microdermabrasion Every Elite Day Spa Coupon

Single Process or Partial Highlights, Glaze + Blowout Every Alex Anthony Salon Coupon

Brazilian Wax Every Skin Spa New York Coupon

Los Angeles

20 Units of Botox Every Premier Rejuvenation Coupon

At-Home Liquid Body Lift or Rejuvenating Treatment Every Beauty Bohemien Coupon

Personal Trainer Course + Certificate Exam Every NCCPT Coupon

Group Training Session Every AbsClubLA Coupon

Highlights, Haircut + Blowout Every Pretty Wild Hair Salon Coupon

Philadelphia

IPL Photofacial Every Donna Scott Secret Med Spa Coupon

44% Off Private Music Lessons Every Philadelphia Guitar Instruction Coupon

Up to 44% Off Group Fitness: Yoga, Cardio, Dance & More Every Nourishing Storm Coupon

Two-Hour Boudoir Photo Shoot with Images Every Vibrant Image Photography Coupon

Choo Choo Soul: Musical Adventures With Disney Star Genevieve Every The Levoy Theatre Coupon

Phoenix

Up to 43% Off Flagstaff Blues and Brews Music Festival Every Flagstaff Blues & Brews Festival Coupon

D-Backs Look to Cool Off the Mets at Chase Field Every Chase Field Coupon

42% Off Farm-to-Table Dinner at Litchfield’s Every Litchfield’s At The Wigwam Coupon

$30 to Spend on Burgers, Apps, Nachos, Beer & More Every RnR Restaurant & Bar Coupon

Wildlife World Zoo: Save up to 30% off Regular Admission Every Wildlife World Zoo & Aquarium Coupon

Houston

CiCi’s Pizza – Up to 41% Off a Pizza Buffet with Drinks Every CiCi’s Pizza Coupon

Houston Astros Ticket Package Every Official Fan Package Coupon

Up to 50% Off Painting Classes Every The Paint Pub Coupon

$25 for 4 Weeks of Unlimited Boot Camp Every Mean Green Boot Camp Coupon

75% Off a Japanese Hair-Straightening Treatment Every Splash Hair Designs Coupon

Dallas

Up to 56% Off Private and Group Classes Every Classic Pilates Coupon

$50 for $75 at Facelogic Highland Park Every Facelogic Highland Park Coupon

Salon Services with Optional Color Treatment Every Capelli Salon Coupon

1 or 2 Dozen Cupcakes; or $35 of Baked Goods Every Amazing Occasion Custom Cakes Coupon

Up to 51% Off Hair cut or split end treatment at Ashley Bristo at Iconic Every Salon Twenty Two Coupon

San Jose

3 Extra Small Area Laser Hair Removal Sessions Every A Youthful Reflection Coupon

Children’s Discovery Museum of San Jose – 42% Off Entry Every Children’s Discovery Museum of San Jose Coupon

Into the Woods: Sondheim’s Musical Fairy-Tale Mashup by Children’s Musical Theater (CMT) San Jose Every Montgomery Theater Coupon

Up to 48% Off at Lucy’s Tamale Factory Every Lucys Tamale Factory Coupon

The River Bride: Seductive New Play Mixes Myth & Romance Every Louis B. Mayer Theatre – Main Stage, Santa Clara University Coupon

San Antonio

$20 for $40 at My Fit Foods Every My Fit Foods Coupon

$25 for $35 at Plato’s Closet Every Plato’s Closet Coupon

57% Off Steam and Stones Facial Every K&I Health and Beauty Spa Coupon

$16 to Spend on Chocolates Every Shakolad Chocolate Factory Coupon

Up to 62% Off Tanning Every Sun Shoppe of Minnesota Coupon

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Iconic – Exploring New York’s Attractions

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New York City is home to millions of people and is the willing recipient of millions more in visitors each year. This city has long been a magnet for those who wish to revel in the bright lights and view some of the world’s most iconic landmarks. If you only know New York from the countless films and television shows then you’re in for some unforgettable experiences in what’s rightfully called the world’s capital city.

City of icons

The city that never sleeps boasts an amazing number of buildings and structures, from the Empire State to the historic Brooklyn Bridge to the Lady Liberty. Somewhat taken for granted by locals, these landmarks are a major tourist draw. You can’t beat the metropolis views from the top of either the Empire State or when actually standing inside the observation deck of the Statue of Liberty; but be prepared to climb 162 steps before reaching the crown area. There will be ticket prices for both of these attractions but you can cross the Brooklyn Bridge for free and also view the city from the deck of the Staten Island Ferry at absolutely no charge.

Exploring the past

You can never guarantee the sunshine in this city, so if the weather does turn rainy head to one of the many museums and art galleries. The Metropolitan Museum of Modern Art (MOMA) is one of the biggest museums in the world and the largest in America. You can easily spend an afternoon viewing the countless collections and exhibits on offer. If you want to step back in time then the Lower East Side Tenement Museum will allow you to walk through a recreated turn of the century tenement building. Kids will love the Intrepid Sea, Air and Space Museum, which features naval warships, the famous Concorde and the Enterprise space shuttle.

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Fun attractions

If you’re a sports or music fan then a tour around the legendary Madison Square Garden should not be missed. You can go behind the scenes of this almost 20,000 seat arena and walk across the spectacular Chase Bridges to see this venue from its highest view point. If you’re on a family vacation then don’t forget to visit the Bronx Zoo, which is one of the largest zoos in the world and contains 6,000 animals across its 265 acres.

These are just a few Big Apple highlights and you can easily find a few more simply by exploring the city on foot. Don’t forget to get out of Manhattan to visit any of the other five boroughs including Brooklyn, Queens and Staten Island.

Image by senhormario, used under Creative Commons license

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Collecting Coupons? Read These Fantastic Tips To Help

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There is no shame in being a bargain lover. If you want to save yourself loads of money (and have fun), collecting coupons might be something you would enjoy. It seems ridiculous to me that people would pay full price for things when they can get themselves a juicy discount instead. If you are new to the world of saving money, you probably need some tips to help you along the way. Luckily, you have come to the right place for that advice. Read these tips so that you can make the most out of your coupons each day.

 

Check your mail (and your email)

 

From time to time, we all get vouchers and discounts through the post. Some people throw out their so-called junk mail and ignore it. You must check everything you get in the post. What might look like an average flyer could be full of coupons and vouchers. If you don’t look, you will never know. You should also check your email inbox to see whether anyone has sent you vouchers or discount codes.

 

‘Like’ or ‘follow’ companies on social media

 

If there is a particular company you just can’t get enough of, it will pay to follow them on social media. For example, a store Facebook page might giveaway Macys coupon codes on it. If you are not following their activity, you will have no way of knowing about this deal. If you always shop at the same store, you should make sure that you see what their social media activity is like online and follow or like them.

 

Try to use coupons when there is a sale

 

If you want to get the best value deal, you have to wait until sale season. Some coupons have a clause that prevents you from using them on sale items. Read the terms and conditions (usually, on the back of the voucher) to see whether you can use it or not. If you can get an extra discount on sale items, you will get a super cheap deal.

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Become a loyal customer at your favorite store

Again, if you always shop in the same store, you can use that to your advantage. It is always worth getting store cards and collecting points when you spend money. Often, you will need to give your details to a member of staff when you apply for a card. I have found that sometimes, the stores will send you coupons through the post to thank you for being a loyal customer.

Ask yourself how much you are willing to spend

Before you go coupon crazy and start spending all your cash, you need to figure whether an item is worth it or not. Don’t just buy things because they are cheap. That is perhaps the biggest mistake you can make. Look at an item you want and see how much you want to pay for it. Don’t pay over the odds just because you are getting a tiny discount. Sometimes, people find the lure of a bargain too much to handle. If you don’t need (or want) something, you don’t have to buy it.

Look online for the latest deals and vouchers

There are many pages, like this one, that tell you where all the latest deals and discounts are. If you keep up to date with the places you can get coupons and deals, you will always save money. If you look online, you can often find codes and discount vouchers that you can print off. Keep coming back here and reading my tips. That way, you will save yourself a whole load of money!

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How You Can Save Money By Making Your Own Household Products

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If you add up how much you spend on household products each month, you will see that they account for a significant portion of your shopping bills. Why do we spend so much on these items? From oven cleaner to toilet bleach, everything in your home requires it’s own specially designed product. Or, so we are led to believe. Additionally, if you have a big family, these items don’t tend to last very long.

But, did you know that you could save a load of money by making household cleaning solutions yourself? Not only is it cheaper to use homemade products, but it is also better for the health of you and your family. Homemade solutions use natural, safe ingredients, as opposed to the harsh chemicals often contained in shop bought products. And if that wasn’t convincing enough, homemade solutions are versatile, easy to make and last a long time.

Looking for ways to save money at home? Want to know more? Here is some useful information on how you can make your own household products.

Baking soda

If you only take one idea away from this post, let it be this one. As well as being essential in your baking cupboard, baking soda is a non-toxic, natural cleaning solution that can be used in many different ways throughout the home. So stock up on this item. It’s affordable in small quantities and in bulk and won’t go bad.

  • Baking soda cuts through grease and fat remarkably well. So it works perfectly as a natural way to clean your own. Just sprinkle some soda at the bottom of your own, spray a little water on top and leave the mixture to do its magic. After a couple of hours, has passed, the grease and dirt will wipe away easily.

  • Add a small bowl of baking soda to your fridge or freezer for a natural way to keep unpleasant odours at bay.

  • As well as preventing a smelly fridge, baking soda also deals carpet odour. Simply sprinkle some soda onto your carpet and leave for fifteen minutes. The vacuum up the residue.

  • Because of its coarse texture, baking soda can also be used to scrub away stubborn stains from floors, surfaces, sinks and bathtubs. Just apply a small amount to a sponge or scouring pad, clean and rinse with water.

  • Make your laundry detergent last longer by replacing half of the measure with baking soda. This will also ensure your clothes are kept clean and fresh.

  • To keep your silverware glimmering, use a solution of three parts baking soda to one part water. Add the paste to the items individually, rinse with warm water and buff with a soft cloth.

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Lemon juice

Lemon juice is about to become your best friend. This powerhouse ingredient can be useful for a variety of household chores (and leaves a refreshing scent behind):

 

  • Being a natural bleach and disinfectant, the lemon is great for removing soap scum and bacteria in your bathroom. Squeeze some lemon juice onto a sponge and wipe clean shower doors, bathtubs and sinks.

  • Lemons also help when it comes to dusting surfaces. By mixing two tablespoons of lemon juice with ten drops of lemon oil and a few of olive oil, you have your very own

  • natural polish.

  • Lemon juice also helps to remove stubborn stains from clothing. Add one-half of a cup of lemon juice to your whitewash and allow the clothing to dry in the sunshine.

  • Cats detest the smell of lemon. Spray some lemon juice mixed with water to the corners of sofas, or other areas that your pet likes to scratch, as a natural deterrent.

Essential oils

Concentrated plant oils such as peppermint, lavender and tea tree hold a number of different benefits. For example, they are antibacterial, antifungal and antiviral. If you can’t source essential oils from your local stores, they can be bought online. While it may seem expensive for a small bottle, they are very versatile and will last a long time. If you like them and find plenty of use for them around your home, it may be cheaper to buy them in bulk.

  • Swap commercial toothpastes that contain harsh ingredients for a healthy, natural alternative. For one of the best homemade toothpaste ideas, mix two to three cups of baking soda with ten to fifteen drops of peppermint oil. Add water until the mixture meets the desired consistency.

  • For marked or scuffed wooden floors, add three drops of tea tree oil to a cloth and apply to the marks.

  • For squeaky clean windows, add ten drops of lavender oil to two ounces of water. Wipe clean with a microfibre cloth.

Vinegar

Vinegar is another non-toxic ingredient which has many different uses. It’s also very affordable and easy to come by. Make sure you use 100 percent distilled white vinegar and not one of the fancy alternatives.

  • Although it has a strong scent itself, vinegar is effective in removing bad odours from rooms. Just add some vinegar to a bowl and leave in the offending room over night. It can also work to freshen up stinky sinks. Just pour a cup of vinegar down the plug hole, leave to do it’s work for an hour and rinse with cold water.

  • When mixed with an equal amount of water, vinegar is helpful for removing stains from carpets. Just spray onto the stain, leave for a couple of minutes and then sponge the area dry.

  • Instead of using harsh bleach products to clean your toilet bowl, simply spray vinegar in the bowl and give it a good scrub with the toilet brush.

  • Disinfect your wooden chopping by wiping with a cloth and a few drops of vinegar.

There are so many amazing natural products right in front of us that we could and should be using in a number of helpful ways around the home. By swapping commercial products for some homemade solutions not only will you be saving money, but you will also be making a healthy choice for you and your family.

 

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How To Save Money With Coupons: A Beginner’s Guide

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With product prices on the rise, we all want to bag a bargain and save money where we can. One of the best ways to save yourself money and make your budget go further is by collecting coupons.

Did you know that by saving up coupons you could save between 50 and 90 percent off of your weekly food shop? That’s right; you could save up to 90 percent off your grocery shopping. How crazy is that?

Believe it or not, by collecting coupons out of your local newspaper or printing coupons off from online sites, you can reduce the cost of your average food shop by over half.

You might be thinking that that is all well and good, but it probably takes hours of work, right? Wrong. To be a couponer and save yourself money you don’t have to spend hours each day searching for coupons, all you need, is a couple of spare hours a week.

For all the tips, help and advice you need to start couponing, have a read of our helpful guide below:

How to find coupons

To get started as a couponer, the first thing, you need, is of course, coupons. But, where can you get them from?  There are many different ways you can get your hands on coupons, such as:

1. Your weekly paper. You may not realize it, but those pesky newspaper inserts that always fall out the second you open up the paper, are actually incredibly useful, money saving coupons.

2. From the internet. If you go online, there are many different sites offering printable coupons. All you have to do is select the ones that you want and print them out.

3. Store coupons. When you go shopping at your local supermarket, along with your receipt, you may get given a book of discount vouchers or coupons.

4. Magazines. Women’s weekly magazines are always full of coupons too; you just have to keep your eyes peeled for them that’s all. The best magazines for coupons are Women’s Day, Better Homes & Gardens, Shape, and Good Housekeeping.

5. Display coupons. As you are walking around the supermarket keep an eye out for coupons displayed on notice boards or stands by customer services. Sometimes you may even find coupons hanging from the shelves. It is all about keeping your eye peeled.

6. eCoupons. These are becoming increasingly popular. eCoupons are coupons that can be loaded onto your smartphone or in-store loyalty card. These are popular because they are easy to use and require no fiddly cutting out and organizing like paper coupons do.

When is the best time to use coupons?

Now you understand the different types of coupons that are available, the next thing, you need to learn, is when the best time to use your coupons is. That’s right, there are prime times to use coupons, and these are as follows:

During a sale:

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(Photo source)

By waiting until a sale is on you will be able to save yourself the most money. There is no point using your coupons on full priced items, hold onto them until a sale comes on and then use them.

For ultimate couponing success, make sure to learn the sale cycle. Sales on products tend to run in cycles of eight to twelve weeks. Sales also follow certain events and holidays throughout the year. For example, sweets and candy go on sale around Halloween and Valentine’s Day. Whereas savory snacks and finger foods go on sale around the time of important sporting events.

Another thing, to take note of, is that around the time when products go one sale, samples are also often put out. Make sure to take full advantage of these samples. You may also find that around the holidays and other events that more samples are given away online. For instance you can find absolutely free samples here from Walmart. Free samples are an excellent way to try out new products for free, before you buy them.

Buy when the price is lowest:

Don’t be tempted to use your coupons on full priced stock, wait until the item reaches its lowest price, for example, when it is on sale. By combining offers, you will save yourself even more money, so it is definitely worth waiting for.

How do I use coupons correctly?

To use your coupons correctly, it is important that you know and understand everything about coupons. So, if there is anything you aren’t sure of, make sure you find out.

Did you know that some stores accept their competitor’s coupons as well as their own? Next time you are doing your weekly food shop, make sure to stop by the customer services desk and ask whether they accept competitor coupons. Competitor coupons are an excellent way to make additional savings in store.

As well as asking about competitor coupons, there are some other things you should ask next time you are at the supermarket, such as:

Whether they accept double coupons. Ask at your local supermarket whether they accept double coupons. If they do, ask them what their rules are – is there a limit to how many coupons you can get doubled? Make sure that you understand how their discount policies work, so that you know what you are doing when shopping.

Do they accept stacking coupons? Find out whether your local store allows you to use an in-store coupon combined with a manufactures coupon. Combining a manufacturer’s coupon with an in-store coupon is known as stacking coupons. While you can’t use two manufacturers coupons on one item, you can combine a store and manufactures coupon.

Is it a good idea to stock up your shelves, aka create a stockpile?

While you don’t want a massive stockpile taking over your home, part of the fun of couponing is making large savings. To do this, you do need to stockpile to a small extent. Set a maximum of four shelves worth of stockpiled products and stick to it.

The best products to stockpile are things like tinned, frozen and dried products as they have long lifespans.

By buying your products in advance when they are at their cheapest, you are taking control of your spending.  You are choosing how much you are willing to spend on particular products.

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Holidays Are Coming: 10 Great Stocking Fillers

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Stocking fillers are classed as the smaller presents we get in our stockings on Christmas morning; usually the presents we open first as we’re still half asleep in bed. Almost everybody receives a few stocking fillers and then a big gift or two. However, what sort of stocking filler are you supposed to buy? There’s something on this list for everyone:

Instagram Personalized Coasters
If you know that the person you’re buying for has Instagram, why not treat them to some personalised drinks coasters? These can look really cool depending on what pictures you choose. You could go for a really arty shot that they took of a sunset, or even a good old selfie.

A Fancy Notebook
Everybody needs a notebook, but not those cheap ones that fall apart after a couple of week’s use. Fancy notebooks cost a little more, but they last so much longer and look loads better. You can even buy funny notebooks that say things on the cover like ‘plans to take over the world!’.

A Scarf and Gloves Set
December is usually a freezing cold month, as are a good few months after it. A scarf and gloves set could be a great gift to make sure somebody you love stays wrapped up warm.

iPad Case
iPads don’t come cheap, so you want to make sure that the receiver keeps theirs in tip top condition. Shinola iPad cases are sturdy and should protect the iPad from any bumps. This is a great gift if the receivers main gift from you is an iPad, but opening this gift first might give the game away!

Fancy Flavored Lip Balm
Lip balms is a perfect winter treat, as the cold weather can make lips sore, dry, and chapped. Instead of buying regular old strawberry flavour, you can find flavors such as Bucks Fizz and even Earl Grey!

A Daily Mood Calendar
The daily mood calendar is a fun little addition to any work desk. It lets everybody around you know exactly how you’re feeling, so they’ll know whether to approach you or give you a wide berth.

Baconnaise
Who doesn’t love bacon? Who doesn’t love mayonnaise? Enter baconnaise! This is the world’s most delicious bacon flavoured spread. Perfect for bacon lovers everywhere!

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Self Stirring Mug
You must admit that making a nice brew can be a little tedious at times. Not anymore! With the self stirring mug, you can leave your spoon in the draw and make a nice cuppa like magic.  I actually got this for my husband last year because I was tired of seeing him drink his coffee with the spoon still in it.  A big pet peeve of mine!

A Microwaveable Hottie
Winter is a great time to snuggle up with something warm, but hot water bottles can be a little old fashioned. Microwaveable hotties are shaped like cute little animals, and all you do is pop them in the microwave to heat them up ready to jump into bed. They usually smell like lavender too, which can help you to drop off to sleep quicker!

A Henry Desktop Vacuum Cleaner
Henry is one of the most trusted hoovers, and now they even do desktop versions of him. Perfect for somebody who works at a desk a lot and likes to make a mess with their lunch and other things!

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Happy shopping!

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Smart Ways To Lower Your Electricity Bills Overnight

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The electricity suppliers had enjoyed a bonanza for several years. Eventually, popular opinion brought a halt to the unfair price rises that took many people to the breadline. They make huge profits for their shareholders while we struggle to pay for what is a necessity rather than a luxury. There is little we can do without electricity in our homes these days. We even need it to run our gas central heating, so you can’t keep warm without it.

It is important to keep our consumption low and our money in our pockets, rather than those of the executives who will take it all if we allow them to. We must bring the bills down to a manageable level. That might mean going without for some people, but we will try to find ways of cutting costs without hardship. Here are some smart ways to lower your electricity bill overnight.

Lighting

If you have many fancy light fittings in your home that use incandescent or halogen bulbs, you are wasting money. The best way to tell if a bulb is efficient is to pour your hand close to it when it is on. Don’t touch it or you may burn your fingers. If  you can feel a lot of heat radiating from the bulb, it is losing energy. Efficient lighting should not run hot. Is there such a product? Yes, modern LED lights are the last word in illumination technology. They have many advantages over the others; the most important being that they only consume a fraction of the electricity. They last many times longer too, so pay for themselves many times over during their lifespan. We should all look at small ways to be greener because the planet is under a lot of stress and will bite back if we don’t do something about it.

Switch Supplier

Did you know that you can probably get a better deal with the  cost of electricity in Ohio? Deregulation allows us to find cheaper prices nowadays. It wasn’t all that long ago when there was only a single supplier who had a monopoly and could charge us anything they wanted. Competition is good, as long as they don’t all put their prices up at the same time. If you have never switched supplier, you can probably save a lot of cash by doing so.

Change Your Habits

Do you leave lights on in rooms that are not in use? Maybe you leave the immersion heater on all day and night too. Learn to switch things off; the difference it makes will astound you. Put the immersion heater on a timer if you must, so there is hot water waiting for you every morning. When you go out, turn the lights and televisions off to. Don’t worry about the little LED lights on the equipment. Despite what you may have heard, they make no difference to your bill; such is the tiny amount of power they consume.

There you go guys, it isn’t difficult. Most people can make a difference to their bills with a little effort. It just takes the will to change. If we don’t, we might as well flush money down the toilet.

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How You Can Save Money on Birthday Presents

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Year on year, we all seem to spend a small fortune on gifts. This year, you may want to cut your costs, without cutting your losses. For those that are savvy with their cash, you will undoubtedly want to know how you can save money on this gift giving occasions. After all, it is the thought that counts not the amount that you spend.

There are some amazing ways that you can cut your gift bill, without losing friends in the process. Let’s take a look at some frugal tips for saving money on your gifting ventures this year.

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Email Offers and Voucher Codes

Groupon, Voucher Codes and KGB Deals are all companies that send email offers direct to your inbox. If you want to give a gift on the cheap, you can do by utilizing these companies and their crazy offers. Of course, some of the gifts may not be ideal for the recipient. But, vouchers can be sought for meals for two and cheap days out. Your friends and loved ones will love the personal touch of the present. You don’t have to spend a fortune to give someone an unusual, personal gift.

The Power of Google: Search for Offers Online

Google is a powerful tool. You can use it to find many different things, not just images of cats doing hilarious things. An effective search would be something like fresh flowers offer to find local deals on offers and sales. You can gift someone with a gorgeous bouquet of blooms, but you won’t have to spend a fortune in the process. You can do this for a wide array of gift ideas. Simply utilise search engines and make sure that you use keywords to retrieve great results.

Back to Basics

Who doesn’t love to review a bunch of flowers or a bottle of wine? Saving money on gifts doesn’t mean that you have to forgo giving present’s altogether. But, you don’t have to spend a fortune in the process. Going back to basics, with gifts such as chocolate, means that your nearest and dearest are still getting a lovely gift. However, you are not breaking the bank in the process. You don’t have to lavish people with expensive gifts to let them know that you care.

Homemade Gifts: Using Your Talents

Do you have a talent for knitting? Are you something of a master baker? If so, you can put your talents to good use and make a gift for your loved ones next significant event. You can make food hampers using your skills as a chef. You can include cakes, pastries and jams.  You can make scarves, gloves and knitwear ready for the impending winter months. Homemade gifts are the perfect gift to give. It tends to mean a lot more to the recipient as you have put in the extra effort with their present.  Whatever you decide to do, ensure that the presents are entirely made by you. You can even label them with your special touches to make them even more personalized.

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7 Ways You Can Cut the Cost of Moving Home

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Anyone that has ever moved home will agree that the costs can soon add up. In fact, it nearly always costs way more than you think it’s going to cost. However, there are a few clever things you can do to ensure you cut the costs of moving home significantly. Want to know how to do it? Read on for 7 ways you can cut the cost of moving home:

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1.Watch Out for Good Offers from Lenders

Before you select a lender, make sure you do your research first. For example some banks will tell you that they’ll pay off a portion of your stamp duty. This could be anything from 1-3% on properties, depending on how much they cost. Many other lenders will help you with the actual cost of moving. Make sure you know what’s available to you and take advantage of it.

2. Select the Right Survey

When your offer has been accepted, you must get a survey. This is a compulsory thing. However, there are 3 kinds of survey, so you need to make sure that you select the right one. There’s the mortgage valuation survey, which is carried out for the lender to make sure that the property is worth the price you’ll pay for it. There are then the more thorough homebuyer surveys and structural surveys. These may pick up issues like damp, but will cost you more than £500. Make sure you pick the survey that applies to you.

3. Cut The Cost of Your Estate Agent Fees

Estate agent fees are one of the biggest costs when it comes to moving home – around 38% of your total expenses. Usually, you might pay the estate agents £3000 for helping you, but it could be a lot more if you’ve sold an expensive property. Online estate agents can sometimes be cheaper, as they don’t have as many overheads to pay. All they usually have is a website, so they can afford to charge you much less. You can even tailor the service to your exact needs in some cases, which means you’ll save even more money.

4. Avoid Fees on Your Mortgage

In the past decade, mortgage agreement fees have tripled. In the last year alone, prices have soared over 69%. You do have the option to add fees on to your loan instead of paying them straight away, but you must remember that you’ll be paying interest on them. This will work out to much more than you probably think all together. You could even take a look at fee-free mortgage options, where there isn’t an arrangement fee at all. Even if you must pay a bit more on your interest rate, a fee-free deal can suit people who have a smaller mortgage. This will totally depend on your individual circumstances, so make sure you do what’s best for you.

You should also try to get the best mortgage deal available to you. If you have equity in your home, then you probably have a good choice of deals. A fixed rate should give you peace of mind that your repayment isn’t going to shoot up over time, even if the interest rates begin to rise.

5. Cut Your Moving Costs

Using professional movers like http://www.thepromove.com/, for example, is a great help. However, of course it takes a chunk out of your moving budget. Make sure you get the best deal by looking around before settling. You can also see if the service includes packing, which could be a big help, and insurance in case anything gets broken. Get rid of things you don’t want to take with you by selling them or recycling them. You could make enough money to pay for the service if you get rid of enough!

You could possibly cut costs even further by packing your goods and transporting them yourself, but this will depend on how much stuff you have. Remember, you get what you pay for, so don’t automatically go with the cheapest removals firm. Asking friends for a recommendation is usually your best bet!

6. Carefully Choose Your Solicitor

Unfortunately, there are some bad conveyancer practices out there. This is why it’s important you choose your solicitor carefully when you move home. Bear in mind that if you go for a solicitor offering services at rock bottom prices, your money will be unlikely to stretch too far. When it comes to recommendations from family and friends to help you select your solicitor, it can be tricky. People don’t usually realize that they’ve been swindled until it’s time to sell the property. Ask yourself these questions when choosing your solicitor:

  • Do they sound like they know what they’re talking about?

  • Do they listen to you properly?

  • Do they make you feel confident about the whole situation?

  • Do they do what they tell you they’re going to do in good time?

If you can answer yes, then you’ve probably found a good solicitor to help you. If you select a solicitors who charge a competitive yet reasonable fee, and make sure your move is handled smoothly, you’ll be much happier. Not only will you cut the cost of moving home, but any future issues will be avoided!

7. Register for Your Bills On Time

Before you move in, make sure you’re registered for your council tax, gas, electricity and other bills. Do this as soon as possible and do it by direct debit to make sure you don’t miss a payment. If you don’t do this and fail to keep on top of the amount you’re using, you could get stung with a high bill a few months after you move in.

There you have them; 7 great ways you can cut the costs of moving home. Moving home can cost thousands upon thousands, especially when you take into account all of the fees added on to the deposit. It seems as if there’s an extra fee invented for just about everything!

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