AcharyaCenter.com - Browse eBooks, Audios and Videos

How to improve personal budget?

0 like 0 dislike
208 views
posted in Finance by FoolishJaguar
$Clip coupons. This is the single most important rule of personal budgeting. Why? Simply because a few minutes spent clipping coupons could end up saving you multiple dollars in the checkout line.

$Buy in bulk. If your favorite products are on sale, buying in bulk may cost you more at present but could end up saving you a lot in the future. Some good examples are items that do not have an expiration date, such as soap, shampoo, toiletries and other household items. Canned foods, which carry a long expiration date, are also ideal for buying in bulk.

$Saving your change can be a great help in your quest for personal budgeting. You would be surprised how quickly change can add up and, even if it’s $50 or $100 per month, your coins can add up to some serious cash. Many people discard their coins or simply toss them around without thought, but saving them in a bowl or dish will help a great deal when it comes to personal budgeting.

$Put a portion of each paycheck into a savings count each week or month. Whether it’s a few dollars or several hundred, always make sure that you are putting aside some amount of money into a savings account. If possible, deposit 10-20% from each paycheck.

$Avoid impulse shopping. This type of buying is what ultimately leads to buyer’s remorse. In order to avoid it, think about what you want to shop for and make sure that you avoid any last minute additions unless they are absolutely necessary or you can afford them without being in a crunch.

$Shop the sale racks. Everyone enjoys sprucing up their wardrobe now and then so, when it comes time to add a few new pieces of apparel, stop by the sale rack for big savings. There’s nothing wrong with keeping a few extra dollars in your pocket, which can be later be used for life’s little essentials.

$Avoid using high-interest credit cards unless you can repay them within six months. Otherwise, you are more likely to get swallowed up with interest and end up paying for the original purchase several times over.

$If you do use a credit card for purchases, try to use one with an introductory APR or a regularly low interest rate. This could end up saving you big bucks every month and also in the future, which is one of the most important rules to personal budgeting.

$Request free samples. A number of websites, including StartSampling.com and WalMart.com, offer customers the opportunity to request free product samples of certain items. Everything from skin lotions and shampoo to dog treats and household products are up for grabs to all who ask. In addition, many manufacturers offer free samples of new product releases directly through their own website.

$If you find yourself in increasing credit card debt, call the creditor and request to be placed on a hardship program. This type of program allows for lower interest and smaller payments for a specified amount of time. Depending on the creditor, it can be in effect for several months or until the balance is paid in full. This method will not only help your immediate personal budgeting, but will also give you additional financial freedom in the future when the debt is paid in full.

Please log in or register to reply to this post.

Related posts

0 like 0 dislike
0 comments 360 views
how-moms-save-money-for-their-family-budget

Budgeting is truly the turf of most mothers. Aside from the traditional role imposed on mothers as the one who budgets the family ... has no time for checking out tempting stuff at the shopping mall.

posted in Finance by ForceSoldier
0 like 0 dislike
0 comments 533 views
Secrets of keeping to the family budget

The high cost of living in today's society, wherever you may be, has made budgeting a priority among families. In today's inflationary ... will realize that it is not really a necessity but a whim.

posted in Finance by HairyMagpie
0 like 0 dislike
0 comments 177 views
10 Tips To Improve Your Credit Score

These days most of us avail loans to buy a house, set up a business, or buy a car. Many students take loans to further ... plan you income-expenditure , and avoid spending what you have not earned.

image
posted in Finance by Celestiger
0 like 0 dislike
0 comments 263 views
5 Easy and Quick Ways to Improve your Credit Score

Your Credit Score is one of your biggest financial assets. If your credit score is high, your borrowing rates will be low and ... help inform you of ways to increase your credit score when needed.

image
posted in Finance by DreamBaby
0 like 0 dislike
0 comments 232 views
Personal Loans: Choosing the Best Source

Is there really a best personal loan? It depends on which criteria you prefer. Some people would say that the best loan is ... have the highest interest rates in the business - some exceeding 100%!

posted in Finance by Knighthawk
0 like 0 dislike
0 comments 176 views
No Fret Family Budget

For some, the idea of a budget is often a blur. It is frustrating to see how hard it is to do a budget and realizing ... savings that leads to a bright and financially stable future for your family.

posted in Finance by vachikgrat
0 like 0 dislike
0 comments 239 views
We are Family: Budget Tips for Today’s Familial Ties

If you are in charge of creating the family budget, chances are, you've had the unfortunate experience of having a brilliant budget plan ... save a lot on time and even on gasoline and car expenses.

posted in Finance by MagicalCyborg
0 like 0 dislike
0 comments 296 views
Can You Really Improve Your Chances Of Winning The Lottery?

The Lottery is a game of chance, with the odds stacked against you horrendously. In the UK National Lottery for example the ... reduce those odds by working with others in a lottery syndicate.

posted in Finance by PerfumedNecromancer
0 like 0 dislike
0 comments 116 views
How to Save Money and Avoid Temptations

Saving money and financial management is very crucial in one's life. Money is very important in order to survive in this world but ... you advice on how you can avoid temptations and save more money.

image
posted in Finance by SilentTrooper
0 like 0 dislike
0 comments 261 views
“How to Save Money for Tuition Fees”

As soon as their child is born, parents can start saving up for their children's college education. With tuition fees climbing ... will get to have enough for them to start their college education.

posted in Finance by ShowDolphin
0 like 0 dislike
0 comments 523 views
Tips on how to Save Effectively in Banks

Many of us think that putting our money in the bank is a secure and wise way of saving. Yes, this is true if we are ... consider, you should always think about the costs involved in the process.

posted in Finance by GrizzlyFlash
0 like 0 dislike
0 comments 623 views
Tips on How to Cut your Medical Expenses

There is no such thing as a free lunch. Moreover, there is no such thing as free medication. Some time or another, all ... in your medical transactions and more importantly, take care of your health.

posted in Finance by BeautifulWolf
0 like 0 dislike
0 comments 515 views
How to Save Money on Gifts

Giving gifts does not have to be spendthrift. As the old adage goes, It is the thought that counts . This goes to show that people ... and that's enough to make them feel they are special to you.

posted in Finance by FrighteningTwinkles
0 like 0 dislike
0 comments 455 views
Saving Money and Your Bills: Tips on How to be Money Wise

I used to love going to the supermarket. But nowadays, I make my trips short and sweet. I have a list and stick to it. My trips to ... have to be wise on your home and everything that you have in it.

posted in Finance by Celestiger
0 like 0 dislike
0 comments 200 views
Tips on How to Save Money on Transportation

Prices go higher every year, especially the cost of gas. Transportation is one big factor that makes the household budget ... ignoring the traffic that you encounter everyday on the streets.

posted in Finance by TrustyKitty
0 like 0 dislike
0 comments 667 views
Tips on How to Save Money When Shopping

Shopping is very addictive. Most of the time, the household budget is sacrificed once you go shopping. Shopping should not ... located in large shopping areas like in malls and shopping galleries.

posted in Finance by SleepyFledgling
0 like 0 dislike
0 comments 401 views
Tips on How to Save Money

In this world today, prices seem to go higher every year. Saving money can sometimes be a hard job for many people. To ... forget your destinations. Being organized will help you save money and time.

posted in Finance by GroundHurricane
0 like 0 dislike
0 comments 223 views
How to Save Money on Utilities

Expenses on utilities contribute to most of your household bills. Did you know that you could save a lot of money through your ... as an alternative rather than using the shower in the bathroom.

posted in Finance by SwiftHeroine
0 like 0 dislike
0 comments 490 views
HOW TO SAVE MONEY BY DEFINING LIST OF EXPENSES

With the institution of malls, affordability of technology, and rising cost of health care, loans, and rising inflation, it has become ... your pocket but does a great deal for your health as well.

posted in Finance by Herogue
0 like 0 dislike
0 comments 610 views
Tips on How to Teach Your Kids to Save Money

A lot of teens nowadays do not understand the value of earning and spending money. They were not oriented that investing is ... and consistent in guiding them and encouraging them in this endeavor.

posted in Finance by PrisonWorm
0 like 0 dislike
0 comments 455 views
How to Avoid Dumb Investment Mistakes

Smart people sometimes make dumb mistakes when it comes to investing. Part of the reason for this, I guess, is that most people don' ... a spreadsheet program (like Microsoft Excel or Lotus 1-2-3).

image
posted in Finance by Falconjurer
0 like 0 dislike
0 comments 1,299 views
How to Build and Manage a Successful Fundraising Team

For larger fundraising projects you should put together a team to help you otherwise you will be stretched far too thin and stand a ... and you will find that your fundraiser will be a great success!

image
posted in Finance by BumblingBee
0 like 0 dislike
0 comments 918 views
How To Have A Successful Charity Fund Raising Event

If you're thinking of starting a charity fund raising event, then you probably know all the most obvious questions that you should be ... to know your goals if you are doing some charity fund raising.

image
posted in Finance by HarshThunder
0 like 0 dislike
0 comments 278 views
How to avoid impulse spending

Answer these questions truthfully: 1.) Does your spouse or partner complain that you spend too much money? 2.) Are ... simple solution, you will mend your financial fences and your relationships.

image
posted in Finance by Prepatriarch
0 like 0 dislike
0 comments 213 views
How to save money?

Money, according to a classical definition, is what money does. And truth, as they say, is like a rubber band. Stretch it and it ... money saved is money earned. Just keep it in mind and stay happy.

image
posted in Finance by ForceSoldier
0 like 0 dislike
0 comments 980 views
How to Save Money--And the Earth?

You just can't get that memo right, can you? You print out the first draft and find a misspelling. You print out the ... for every empty inkjet or toner cartridge you recycle in their stores.

image
posted in Finance by Knighttime
0 like 0 dislike
0 comments 285 views
How To Lower Your Monthly Bills – And Save Lots Of Money?

Here you're going to learn several ways to save money every month by lowering your monthly bills. There are lots of ways to ... around and looking for ways to lower your monthly bills right away!

image
posted in Finance by BrownPriest
0 like 0 dislike
0 comments 220 views
How to cut your household expenses?

Are you shocked when seeing your household expenditures every month? The expenses seem to increase every month. If you are in this situation ... expense start to decline bit by bit as time goes on.

image
posted in Finance by AmazingKitty
0 like 0 dislike
0 comments 73 views
Budget And Organization Plans For The Recession - eBook

Survive And Thrive Even If Times Are Bad. Nowadays there are really few individuals who take the time to produce a budget. A few ... best tools to help an person achieve this behavior is a budget.

posted in Money by List
0 like 0 dislike
0 comments 159 views
Cruise Ship Vacations on a Budget

Millions of individuals and families wish to take a vacation; however, many are financially unable to. If a vacation does occur, ... but together they can save you more money than you ever imagined.

image
posted in Travel by Butcherry
0 like 0 dislike
0 comments 78 views
“Starting Young: Teaching Teens to Save Money”

Parents mostly complain that teenagers do not listen to them. The opposite is true when it comes to advice regarding 'money matters ... give them another option of investing their money in the future.

posted in Finance by HistoryYak
0 like 0 dislike
0 comments 194 views
Priorities Bring Focus to Family Budgeting

Often times, the family budget is a source of conflict. Most of the time, the major earner makes the final financial decision, which isn' ... , then the cycle begins, just like what it's for: life!

posted in Finance by Sassassin
0 like 0 dislike
0 comments 555 views
Five Great Ideas to Save Money

Want to save money but don't know how? Feel like depriving yourself when it comes to saving money? Don't be disheartened. ... money. Secure your future by using these money saving ideas, today!

posted in Finance by FatKomodoDragon
0 like 0 dislike
0 comments 618 views
Ways to Make Cents at Home

In the midst of all these skyrocketing prices, come the how's, ways and means to save money and earn extra. There are ... idea here is to dispose of the things but earn from them reasonably.

posted in Finance by HairySeahorse
0 like 0 dislike
0 comments 594 views
A Little Goes a Long Way: Smart Secrets to Budgeting

There's nothing more we want than to be able to efficiently manage our money. After all, the money that we want to manage is ... you and will help you keep track of your monthly budgeting progress.

posted in Finance by Knighttime
0 like 0 dislike
0 comments 151 views
Guide To Better Budgeting

A budget is basically a money plan, outlining your financial goals. Having a budget, you can well establish and regulate funds, ... readily available to everyone. Consider it, and benefit from it.

posted in Finance by Octopuppy
0 like 0 dislike
0 comments 213 views
10 Quick Tips To Save Money

Money, according to a classical definition, is what money does. And truth, as they say, is like a rubber band. Stretch it and it ... money saved is money earned. Just keep it in mind and stay happy.

image
posted in Finance by Oystrich
0 like 0 dislike
0 comments 278 views
3 Ways To Get Approved For A Business Credit Card

If you run your own business--whether it's a retail store, direct sales, hobby shop or freelance consulting--chances are you ... Internet search or check the websites of major credit card companies.

image
posted in Finance by Tomatoad
0 like 0 dislike
0 comments 205 views
5 Ways To Instantly Increase Your Credit Card Limit

A lot of credit card holders aspire for a higher credit card limit. But: credit card holders need to remember that to get a ... will determine whether you'll get a higher credit card limit or not.

image
posted in Finance by ShowDolphin
0 like 0 dislike
0 comments 242 views
7 best ways to get Home Improvement loan

Home Improvement projects are widely popular credited to the growth of TV series and designer shows. While smaller projects top the ... of repayment that meets both your short and long term goals.

image
posted in Finance by Sassassin
0 like 0 dislike
0 comments 197 views
Some Important Fundraising Tips To Remember

Fundraising doesn't have to be a challenge if you have a good product, are well organized, and have a good attitude. ... and good service will quickly bring you success in your fundraising efforts.

posted in Finance by PlaySeal
0 like 0 dislike
0 comments 215 views
8 Tips to Save Money on Groceries

The average family's grocery bill is usually one of the higher numbers on the family budget. There can be an enormous difference in what ... , so you can see how much of a difference you are making.

image
posted in Finance by HairyMagpie
0 like 0 dislike
0 comments 238 views
10 Steps To Save Your Retirement

Many of the brightest and hardest-working marketing and advertising people in the country are obsessed with getting you to spend money ... t be spending your Golden Years working at the Golden Arches.

image
posted in Finance by HairyMagpie
0 like 0 dislike
0 comments 253 views
9 Steps To Living Abundantly

Many of us are bowed down by life - stressed, short of time, tired, on a treadmill, knowing that this isn't the way to live, ... but recognises that we can correct that so we all have what we need.

posted in Finance by Herogue
0 like 0 dislike
0 comments 464 views
"Essential Money Saving Tips for Students"

It is easy to get caught in the rush of things when you are in college. In the midst of studying, part-time jobs, ... financial emergencies that you are most likely to get as a college student.

posted in Finance by Monkeyno
0 like 0 dislike
0 comments 176 views
Self-Discipline And Saving Money

A great way to save money is to be aware of the fact that one has the power to define the state of his finances specifically through ... take you a long way in keeping hold of your hard-earned money.

posted in Finance by Dragonig
0 like 0 dislike
0 comments 571 views
Self-Control and Saving Money

Self-control is one of the many virtues that is something that can be learned by each and every person. And learning it will prove ... seem very easy when you see that others are actually doing it.

posted in Finance by Octopixy
0 like 0 dislike
0 comments 189 views
Cutting your Kids' Schooling Costs

Whenever the school season is just around the corner, there's only one thing that parents are thinking about - the impending costs. ... eventually add up to bring a brighter future to your children.

posted in Finance by VoyageHooper
0 like 0 dislike
0 comments 293 views
Saving Money on Electricity: A Money-Saving Maintenance

An electrical appliance that does not work at maximum capacity results in less than ideal performance and higher electricity bills. ... Indeed, saving on electricity will definitely save more money.

posted in Finance by Wallaby
0 like 0 dislike
0 comments 512 views
High-low Numbers: Tips on Saving Money on Clothes

Are you craving for the newest designer clothes, a pretty tank top, and that pretty dress? All this fashion comes at a ... spend your money on more important things than those designer clothes.

posted in Finance by Falconjurer

Share Tips and Guides

Add text, links, images, videos and documents

Submit Post

Connect with us:
...