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Tag Archives: loan

Rethinking Grocery Shopping to Save You Money

Posted on November 9, 2013 by Toast Pop Posted in Food .

Rethinking Grocery Shopping to Save You MoneyFood is one of our major expenses in life. The average British citizen spends more than 100 quid a week on food. Sometimes our budgets just don’t stretch this far however thanks to koalapaydayloans.com this doesn’t mean missing out on essential shopping. Cutting down the cost of food can be hard for some to handle, but with careful planning you can cut your food budget nearly in half. Let’s explore a typical trip to the local grocery store and find ways to save money on food. Here are some wise tips to follow that will surely help you reduce your food budget.

Before you even set foot in a grocery store it is always smart to eat. Most people who go inside of a grocery store hungry, will spend much more than they normally would have. The old saying you’re eyes are bigger than your stomach come into play here. When you are hungry you brain tells you eat, and being inside a store full of food, you get overloaded with temptation. So be smart, and eat a meal before heading off to do your food shopping.

Going to the grocery store without a solid plan is almost as bad as going hungry. Make a list of the items you need before you head out. This will save you time, and keep you from buying impulse items that you don’t really need. This is a perfect way to reduce the cost of food.

Clipping coupons is not just for moms and grannies anymore; there are even shows dedicated to extreme coupon clipping. Coupons can save you a lot of money; you sometimes even find coupons that allow you to get items for free, or half off the original purchase price. Technology has caught up with coupons; now there is an endless list of coupon websites dedicated to saving money. Before you plan your next grocery visit, why not clip some coupons; they are free and not using them will be like throwing away money.

Buying store brands is another great way to save. Normally store brands have the same amount of product and ingredients as the more expensive national brands. There is no reason to purchase the same product for more, just because a label tells you so. Don’t worry what others may say, it’s not their money being thrown away.

Buying in bulk is often a great way to keep your food budget in check. But you have to be careful with buying in this fashion; you don’t want your food to spoil before you can eat it. If you have a good way to store bulk food, and enough time to finish it before it turns to rubbish, buying in bulk makes sense. A great way to buy in bulk is to purchase staple foods like beans, flour and sugar. These type foods will store for long periods of time, and are great to always have on hand.

Now that you know a few ways to make shopping more money efficient you will be well on your way to saving money when it comes to food. Stick to these simple ideas and you will see a rise in your bank account. Nothing is more rewarding than being able to save your hard earned money.

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Tags: bulk, buy, coupon, Food, free, grocery, loan, loans, shop, shopping .

Saving Through Spending More

Posted on November 8, 2013 by Toast Pop Posted in Lifestyle .

Saving Through Spending MoreThe idea of saving money by spending more than you planned seems somewhat of a contradiction. In most cases, when people think of saving money their focus is on the here-and-now or within one week of the intended purchase. This savings strategy works well for many products and services, but not all. There are a small group of items that require special attention to maximize long-term savings instead of the usual immediate view of saving money. 

Some items that fall into this smaller category of products and services are shoes, cell phones/smartphones, computers, winter clothing, and small kitchen appliances. As you can see, this list is very diverse both in functionality and price. Yet spending more for quality will save you money over time. One reason may be that there is no additional expense needed for several years. Another is there are benefits other than the cost of the item that will likely prevent you from spending money over a period of years. An example will illustrate each principle.

Shoes both protect and support the feet, and an ill-fitting shoe can cause blisters, calluses, or even contribute to back problems. For most people, their feet are essential body parts that help them go about their day with a minimum of trouble. They are taken for granted, except when they are injured or cause problems for other reasons. So the idea of spending more for a higher quality pair of shoes can save you money by not only lasting longer because they are made of a superior quality material, but also minimize the possibility of spending additional money for doctor’s visits or required medical treatment.

Saving Through Spending MoreTo illustrate this by the numbers, suppose there is a pair of quality shoes that costs 50 percent more than what you initially planned to spend – 93£ instead of 62£. If this simply isn’t an option then you could consider Payday Loans to top up your savings to allow you to make the purchase. Your 62£ shoes may last you 18 months, while the higher quality pair would last twice as long, 36 months. Your cost per month would be 3.44£ for the cheaper shoes versus 2.58£ for the more expensive shoes over that 3 year period. Also consider that after 18 months you would have to buy another pair of the less expensive shoes, coming to a total of 62£ saved over the 36 month period. This amount does not include the potential health benefits and savings mentioned above.

When shopping for a computer, the average consumer can take advantage of immediate savings and still spend more than originally planned. This is one of those rare opportunities where both short and long term savings can be realized if the proper planning is done. The current computer technology is relevant for between three and five years on average, so the computer you purchase today should retain most of its functionality for a minimum of three years.

In deciding which computer to purchase, the quality of the components is one issue, while the amount of RAM, hard disk space, and processor are a second concern. Higher quality components will cost more initially, but will translate into a longer life of the computer, avoiding spending more money for a new unit sooner. Choosing a unit with the most technology you can afford now will avoid spending additional money later to upgrade the computer, or even buying another new one.

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Tags: cash, computer, debit, debt, loan, loans, money, pay, payday, save, shop, shopping, spend .

5 Basic Tips To Help Estimate Loans and Avoid Debt

Posted on August 8, 2013 by Toast Pop Posted in School .

Taking out a student loan to fund your college education is inevitable, but the major concern remains the fact that you don’t incur any unnecessary levels of debt. You see, high levels of student loan debt ultimately act as an impediment to economic growth. You’ll later find it increasingly difficult to make investments or start your own business or even make any proper financial decision simply because of the student loan debt burden. Now just like it’s important that you take steps to pay off your student loan debt, similarly it’s equally important that you estimate the correct loan amount which you’d be able to pay off ultimately.

Estimating the right loan amount to avoid debt

When you’re going to college and fact that you’ll take out a loan to fund your studies, then keep in mind the following

5 Basic Tips To Help Estimate Loans and Avoid Debt

5 tips so that you’re actually able to avoid debt in the near future.

1.     Take good advice: It’s always rather important that you talk to someone and take some good advice. You see as a student borrower it’s quite obvious that you don’t have enough experience to actually make any particular financial decision and that too all by yourself. You should talk to someone who has a certain amount of experience and expertise in this domain.

2.     Have a clear focus: It’s rather important that you have a clear focus about what you’re doing. It’s a fact that borrowing extra money isn’t good. However, there exists a simultaneous concern wherein borrowing less than required money can also lead to financial troubles. You should never forget the fact that you absolutely need to take care of all your expenses once you’re out of college. It’s this extra money that you borrow that can go a long way in helping you meet expenses until you find a better source of income.

3.     Know your limits: Just like it’s important that you don’t end up borrowing less than what’s needed, similarly it’s important that you borrow with certain limits. Borrowing an exorbitant amount isn’t the solution either, for it can lead to rather massive debt troubles later on. Keep in mind the reasonable limits so that your future dreams and plans don’t get stalled right away.

4.     Have a monthly estimate: Before you actually apply for the loan, it’s important that you sit down and calculate or rather come up with a practical estimate about how much you can dedicate towards loan repayment every month. Depending on this calculation, you should get a fair idea about how much you can borrow.

5.     Keep your payments lower than income: It’s rather important that you keep your debt payments lower than what your projected income is going to be. See, you shouldn’t make the mistake of borrowing more than what you can earn.

Keep in mind the 5 tips that have been discussed above and make sure that you get the right loan amount so that you can actually manage to avoid debt in future.
Get some more tips at: https://www.evergreenfunders.com/working-capital-loans/
 

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Tags: cash, college, debt, estimate, grant, guide, how-to, info, lesson, loan, loans, scholarship, scholarships, school, student, student loan, tip, tips, tutorial, uni, university .

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