Author: coleen

Little Habits for Massive Savings

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If you’re that one friend in your group who never seems to have enough money, it can be very frustrating to ponder how you ended up in this situation. Saving money and spending wisely comes more naturally to some people more than others. If you’re not one of those people, and you’re sick of burning through your paycheque before everybody else, you don’t have to go on suffering like this! Here, we’ll look at some of the best habits to adopt when you’re trying to save more money. If you can make these a part of your day to day life, you’ll shed a huge amount of stress, and have much more money to play with!

Automate your Savings

One of the best financial habits anyone can adopt is automating their savings. If you have savings targets, but you know you lack the self-discipline to stick to them on your own initiative, get on your online banking set up an automatic transfer for a certain amount of money to your savings account to happen every pay day. If you never see that money in your main account, it will never cross your mind to spend it; simple as that! Sure, you’ll still be broke by the time your next payday rolls around, but this way, you’ll be broke with a financial cushion to fall back on if needs be. There’s nothing wrong with taking a little money out when you’re getting to the end of the month, just so long as your savings are still going up with each payday.

Have a Written Budget

By creating a personal budget, you’ll make yourself aware of exactly how much money is coming in and going out of your possession. You’ll also be able to allocate a certain amount to each kind of expense, giving you more confidence when you spend money on pretty much anything, and minimizing the risk of frivolous purchases that you’ll wind up regretting later. You may have to cut back on some of the little treats and luxuries in life, true. However, this can be a good thing, as it motivates you to look for resources for saving such as this site: https://www.couponsherpa.com/amazon/. Many people who feel like they never have enough money to save or spend on recreation can be amazed at how much easier it is once you have a clear view to where all your money is going. No matter how much money you’re working with, setting yourself a personal budget is extremely empowering.

Discover Generic Brands

Tending towards generic, store-owned brands is another great way to penny-pinch when you feel your personal cash flow is out of control. Sure, there are going to be certain brands that you simply can’t replace. There’s never been a supermarket brand of cola that measures up to real Coke! However, when it comes to toiletries, medicines, cleaning products and many types of food, there’s often very little difference between branded products and cheaper, generic alternatives. The next time you’re doing a big grocery shop, make a point to replace some of your usual choices with cheap, generic brands. By shopping around more like this, you’ll rack up some huge savings over time, and may even open your eyes to some favorites you never knew about before!

Avoid Payment Plans

Payment plans seem to be everywhere these days, and they’ve punched some major holes in the bank accounts of countless impatient consumers. If you’ve been guilty of this at some point, always paying up-front and avoiding any payment plans could be the habit that turns your financial situation around. The only real exceptions to this are paying for education, buying property, or a similar big purchase like a car. For pretty much everything else, you need to avoid finance and payment plans like the plague! Sure, the rates some companies offer are fantastic, but you never know what’s going to happen in the future. By tying yourself into a payment plan, you’re pretty much betting on the fact that your finances will stay exactly the same as they are, and you’ll be able to afford the installments with relative ease and comfort. This can backfire massively, so avoid payment plans wherever you can.

Use Cash or Direct Debit

Another financial habit that most people can benefit from is waving goodbye to their credit card. If you’re a big spender, this might sound like complete heresy. However, if you’re serious about wanting to save and ensuring a stable financial future, this particular habit is extremely important. True, if you’re already good with money, using a credit card and paying it off each month may turn out really well for you. However, if this is the case, you’re probably not reading this article! If you know your spending habits get the better of you, leave the plastic at home, and save it for instances where you genuinely need it. Instead, set yourself a budget, and get that amount of cash out. When paper money is gone, it’s gone. If you’ve already got a considerable credit card debt hanging over your personal finances, you can read some great tips for wiping it here: http://money.usnews.com/money/personal-finance/.

Pack your Lunches

There may be some gorgeous food outlets in the city where you work, but if you get into the habit of making your own lunches and taking them to work with you, you can save a small fortune in a fairly short space of time. Buying lunch out can make us feel pretty good, but it can also create a considerable strain on our finances. Obviously, with all the other tips, you’ll still be able to comfortably afford eating out here and there. However, you should at least try to make this few and far between, and think of it more as a treat that you can look forward to, rather than a part of the routine. When Friday finally comes around, that sushi platter will taste so much more satisfying than if it was your fifth that week!

Unique Gift Ideas for Your Groom

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When you’re preparing to be the blushing bride, it can be easy to forget that it’s the groom’s big day too, and he deserves a day that is every bit as exciting and romantic for him as it is for you. One way to perk your groom up on the morning of your big day and make a unique wedding gesture, is to surprise him with a gift that will show him how much you love and appreciated him no matter what.

Here are some great grooms’ gifts to give him a surprise on your wedding day:

Hobby-Based Gifts

Most men have at least one or two interests that they are passionate about, and sending them something related to their favourite hobbies is a sure way to make them feel loved. So, if he’s a musician, get his music printed onto a professional disc at Nationwide Disc, or if he’s a fan of the Denver Broncos, book him tickets to their next big game, just make sure it doesn’t clash with the honeymoon!

Whiskey

If you simply want to send your guy a small token of your love on your wedding day, you can’t really beat a nice bottle of whiskey that he’ll be able to enjoy with his best man before heading to the church. It’ll settle his nerves and get him ready for the biggest, most important moment in his life.

A Watch

As the bride, on the morning of your wedding, you’ll be getting pampered, preened and dressed up in beautiful jewelry, why not let your groom experience a bit of the same by sending him a beautiful watch, that will ensure he makes it to the church on time?

Engraved Cufflinks

If your groom prefers to keep it simple, forget the watch and buy him a beautiful pair of engraved cufflinks, which will ensure that he looks every bit as dashing as you know he can be as he waits for you down the aisle.

A Love Letter

Prefer gifts with the personal touch? What could be more romantic than sending your man a beautiful handwritten love note on the big day? Put pen to paper and write down all the reasons why you love him. It’ll put him in the romantic mood, and inspire him to put some real emotion into his vows.

Artwork

If writing a love letter seems a bit corny to you, you can still show your love and remind him of how great your relationship is by presenting him with a beautiful piece of artwork featuring the two of you. Have one of your favorite couple’s photos turned into a beautiful canvas that will decorate your marital home forever. You’ll both love it.

Luxury Toiletries

Another great grooms’ gift, which will come in just as handy for the honeymoon as it will for the wedding day, is a luxe washbag filled with high-end products that he can use to ensure he’s well presented for the wedding, and then take away with him when you fly off at the end of the day.

Did you give your groom a gift on your wedding day? What did you choose?

 

Gift Ideas for a Spring Birthday

If you know someone lucky enough to have their birthday in spring, you’ll be shopping for presents soon no doubt. Spring birthdays are great because the weather is good, everyone is more relaxed, and we can start to shed our winter layers. It’s a great time of year to buy presents too. Stores bring out their new lines and everything is bright, bold, and beautiful! If you’re struggling for some spring gift inspiration, here are some ideas to get you started…

Awesome Accessories

Spring is the time of year to start upping our accessory game. Accessories are the perfect gift to give because they can be worn all year round and range from budget to seriously bank breaking. So just choose a store that’s in your price range, or look online. Sunglasses are a go-to spring/summer accessory. If you’re buying them as a gift try and make it a little more exciting by choosing an unusual frame or color. The chances are it’s something the recipient might not have chosen themselves but are bound to love. Another good accessory gift is a purse. Whether it’s a small card holder, envelope clutch, or bejeweled backpack, a clutch is a practical but exciting gift. It’s also great for all the outdoor parties that spring brings with it.

Cute Clothes

Clothes can be a difficult gift to give. Obviously, the person can’t try them on, and you might not know their exact size. Only give someone clothes if you know them really well. If you do, try and get them something really special that they wouldn’t necessarily buy themselves. A Tommy Hilfiger swimsuit is a great gift. It’s appropriate for the season and suitably special enough to give as a present too. Alternatively get an item of clothing that doesn’t have to fit perfectly. A t-shirt with a cute slogan, an oversized jacket, or a trench coat, can all afford to be a little looser or tighter.

Plan A Party

Planning a party is probably the ultimate gift you could give. It’s a thoughtful and touching way to show someone how much the mean to you. It could be as simple as a picnic in the park with a small group of friends. Or you could organize a sit-down dinner at a fancy restaurant. You could get even more creative and arrange for a cocktail making tutorial!

The great thing about a spring party is that it can be so versatile. The beautiful weather means that a backyard barbecue or a garden party is on the cards. Just make sure you take care of the invites, food, drink, and decorations. This will be one gift the recipient doesn’t forget.