How To Celebrate Your Birthday For Free!

Think back to your last birthday: What did you do? Did you throw a party? Go out to dinner with friends? Treat yourself to a mini shopping spree or buy that big-ticket item you’d been eyeing? Now think: How much money did you spend?

Your birthday is a day to feel pampered and special—but it can also be a day that gets expensive, fast. If you’re looking for a way to celebrate big without spending bit, look no further than birthday freebies.

From restaurants and retailers to movie theaters and arcades, there’s no shortage of ways to have fun and save money on your birthday. In fact, so many places offer free birthday stuff that you can celebrate all day—from a special breakfast in the morning to birthday cake at night—without spending a dime.

To help get you started, Wikibuy created an infographic showing you all the ways to have a free birthday. Check out the full visual below, and get to celebrating.

Free birthday stuff

 

The Average Family’s Guide To Paying For College

Whether you are just starting to think about having kids or you have a little one in your life already, the issue of paying for college or their higher education is something you have probably started to think about already. After all, it’s not cheap, and prices have increased by over 1000% in the last ten years. In fact, you can expect to pay upwards of $30,000 for a decent private college education, and $9000 for a year at a public college for your offspring. With that in mind, it is wise to begin planning and saving even while the kids are young, so you have the best chance of being able to fund their education later on. Keep reading to find out more.

Get some advice

First, before you start to implement any of your financial plans, it is important that you get some professional advice. Luckily, there are lots of specialist financial planners like Partridge Muir & Warren that can help you work out just how much you need to save, as well as provide suggestion on how to do this.

The good thing about using a professional instead of relying purely on research that you have done for yourself on the subject is that they will be able to take a holistic view and help you realize you other financial goals at the same time. This means you will have a much better quality of life, in addition to being able to help your kids with the costs of being a student.

Start now

Next, it’s vital no matter what your plan is to pay for your kid’s education is, that you start as soon as possible. The reason for this is that it is much easier to acquire a large sum of money over a more extended length of time.

For example, if you choose to invest in the stock market, you would have to find a huge sum to get the return you need if you only had a year. However, a much more reasonable amount could be invested now, and left in over a period of ten years or more to mature. An action that specialists suggest can usually provide a return on your original investment of around 9%.

The same goes for others investment opportunities, including buying property and lending money on a peer to peer platform. Although, do check the expected returns as these are not all as high as 9%.

Cut back

Last of all, saving what you can now is a valuable way of contributing to your kid’s future college fund. To do this, it can be useful to find small ways in which you can cut back on your spending and then store this money away to invest later.

Use special offers as they do above to save money on your food shop.

It’s best to do this in one area at a time, so the shock of a reduced budget isn’t too great. Start with using coupons and special offers for your groceries and cutting your bill by around $50 a month and build up from there. After all, a $50 a month saving over 15 years is 9000 dollars, an amount that could pay for a year in an in a state public college for your kid.

 

Achieve Regular Financial Savings By Incorporating These Simple Tricks Into Your Life

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Regardless of your financial situation, wasting money is never advised. After all, you wouldn’t offer your business services to an employer or client for free. If you’re going to work so hard to maximize your earning potential, you’d be a fool not to do the same with your spending.

Of course, there are a variety of major life moments where you can save big by doing your research. However, mortgages and car purchases shouldn’t be your only concerns. Making positive steps in your daily life is just as vital. Here’s what you can do to unlock those savings to see your money last longer.

Become Eco-Friendly

Living a greener lifestyle has become a growing trend in modern society. However, the environment isn’t the only beneficiary. Simple ideas like cycling to work rather than driving or switching to LED light bulbs can soon start boosting your bank balance.

Likewise, improving home insulation and cutting down on household waste can work wonders for the cause. You might only save a few cents each day, but those small savings will soon add up. The fact that you’ll be living a better life in the process is only another incentive still.

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Look For Direct Money Savings

The best way to save money is to do literally spend less money on your purchases. Haggling might be a dying art that is now restricted to the big purchases. However, the internet has opened up the opportunity to take another tradition to the next level. Learn to research your options, and you’ll find the best deals in no time.

Price comparisons can be useful for many services. Meanwhile, using printable coupons could make a huge hole in your daily spending. From clothes to groceries, spending less money on those regular expenses will soon make a huge difference to your life. Do not underestimate it for a second.

Do Things Yourself

The DIY game is a longstanding idea that can allow you to complete home upgrades and various chores without breaking the bank. Once upon a time, you had to boast skills, ideas, and the right tools. Nowadays, virtually anyone with the right level of determination can achieve those goals.

Online tutorials can show you how to fix various home problems, as well as other issues. Meanwhile, upcycled fashion and furniture is becoming a bigger trend than ever too. When combined with suitable care to ensure that those items last longer, your financial situation will look far brighter.

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Quit Expensive Habits

We’re all guilty of wasting money in this life. This could manifest itself in a number of ways, including gambling and smoking. Learning to rid yourself of those habits that offer no real benefit can work wonders for your health as well as your wealth.

Those expensive habits could also include throwing items away when they could be sold. Your trash could be another man’s treasure. In turn, it could mean a few extra dollars in your pocket. Even if you sell $50 worth of goods each month, that’s one less bill to worry about.

 

Ways to Save on Daily Expenditure

Ways To Save on Daily Expenditure

Saving money is something that everyone could agree is a good idea. While not everyone has to rub pennies together to get by, a tighter budget might not necessarily be such a bad thing. There are many people who have seen the benefits of making their money stretch a little farther. If this is something that you too are interested in, you can find five quick tips to help you limit your spending without limiting yourself.

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Cut Out The Extras

You might be able to save quite a lot of money just from limiting the areas that are high cost with low usage. A great example of this would be your home phone (landline). It is easy to get caught in an idea that having a landline is great for emergency situations or to limit the use of your cell phone while you are at home. But given that nearly all wireless plans are now offering unlimited minutes for even the most basic of packages, you are adding an unnecessary bill each and every month.

Energy Efficiency

While it is certainly a noble effort to “go green” for the environment’s sake, being energy efficient for your wallet’s sake might inspire you a little bit more. There are a few ways that you can help cut your costs, and subsequent energy consumption.

  • Make sure that all of your windows and doors are sealed properly. Drafts through any season cost you money, as they require either your air conditioner or your furnace to work more than it should have to in providing the ideal temperature you have selected.
  • Ensure that your electronics are not just turned off, but completely unplugged if they are not being used for a while. Even something as simple as a phone charger can draw a lot of energy throughout a month just from being plugged in.
  • Cut your thermostat down a few degrees. A simple change like this could spell big savings for you, even if you have to wear a sweater some of the chilly nights.

Shop Around Online

The internet is a vast marketplace and a plethora of information. When you are utilizing the latter, you should appreciate the simplicity of your shopping experience and take full advantage of your ability to instantly shop around. Some websites are big on competitive pricing, without skimping on the quality of the products they offer, from foods, clothes, hobbies, entertainment, office supplies, home improvement and even travel, a vast choice for wants and needs are offered. A few great examples would be www.tkmaxx.com, www.sportsdirect.com and Glasses Direct. If you combine quality eCommerce experiences like these with the use of promo codes and coupons then you can really see some big savings.

Use Coupons and Price Matching

Printable coupons to use in physical stores are kind of dying out, but it isn’t gone completely yet. So as it stands right now, this is a suitable means of saving money. The trend that is taking over physical retail locations now is price matching, which most of the major stores are doing in an effort to stay competitive and promote customer loyalty. You only need to show your cashier a competitor ad featuring a cheaper price on the product you are buying, and you get it for that rate. It’s simple and it keeps you from having to drive all over town hunting good deals.

Consolidate Your Car Trips

The last point goes directly into the next way that you can save money on a tighter budget, and that is through consolidating your errands into a single trip when possible. You might not live all that far away from your local grocer, but that little bit of gas really will add up quickly when you are making several trips a week. Stock up, plan ahead, and consider all of the things that you need to do and attempt to make those all happen with as little wasted gasoline as possible.

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These are five quick tips (that are really easy to do) that can have you saving money this month. With just a few changes to your routine, and a few minor changes to your life, you can make a tight budget not feel quite so limiting.

Penny Stretching: Making the Most of Your Money in Every Situation

Let’s face it, we’re all trying to look for a bargain and make our hard earned money go as far as possible. In almost every situation where we spend money, there’s probably some way to get more value out of our purchases. Whether it’s bargaining at a market stall or grabbing a multi-pack deal instead of a single item, here are some of the best ways to stretch every penny that you spend.

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Open a Savings Account

There’s no such thing as being too frugal. Opening a savings account with interest rates is a good way to get money passively and stretch your pennies. It’s an easy method to get the most out of your money, but it’s a very slow process. It’s kind of like investing, with the exception that you aren’t risking your money because it’s just a savings account. However, it is undoubtedly slow and if you aren’t actually saving large sums of money, then the interest you get will be rather low. Stashing your money in a savings account is a good way to practice frugality and you’ll have a nice sum of money in case you run into emergencies.

Enter Various Competitions

Most competitions are free to enter and can offer some very big cash prizes, such as Maria Casino’s Discomfort Zone. You simply register to the competition, vote or do whatever the competition asks of you, and then you’re entered in for a chance to win prizes or money. There are hundreds of competitions that you can enter online, in local stores, newspapers or magazines. Just remember to read the fine print and make sure it’s not going to cost you more to win or receive your prize than it does to just buy the item. Many people operate scam competitions so be sure to search for information online before you apply.

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Look for Deals

There are several websites on the internet that list the best bargains that people have found. They’re usually a mix of brick and mortar store sales and online bargains. You can find almost anything for sale on a megastore like Amazon or a marketplace such as eBay. Second-hand or refurbished electronics are a good place to start if you’re looking for a quality piece of equipment that’s backed by manufacturer guarantees and eBay’s buyer policy. Just make sure to read the fine print on eBay listings because some people will add sneak clauses such as “This item is damaged. You are buying a damaged item.” just to try and trick people.

Use Those Coupons

Some people find it embarrassing to walk into a store and hand the cashier coupons for money off—but there’s absolutely nothing embarrassing about being frugal and using “free” money. There are some sites on the internet that will give you coupon codes for cheap items, offers on restaurant bookings and activities such as waxing or even skydiving at discount prices. If you sign up for supermarket store cards, they usually reward your spending by sending you coupon codes. Make the most of these, and you’ll find yourself saving hundreds a year on groceries.