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A period of recession is gearing up or moving down frequently. Along with it, monetization of the market is making the ventures optimistic. The statistics say that this year is crucial for the small businesses and they look up for positive result. We have to wait and see the dramatic changes. Business and finance are two such generic terms on which people searches the maximum contents. Therefore, I am also sharing a cup of hot finance knowledge through my blog.

In the financial year of 2013, stay with me to move ahead.

Friday, 21 June 2013

10 Tips to Save Money A Little Differently- Oops I Have A Second List Too!

This is the second list of the article, which was published yesterday. Let’s see what’s more in store for you to save in the second quarter of this year.

1. Cancel The Gym Membership

In this busy life, you hardly get time to join the gym session so it is better to skip the gym membership if you do not go. As it is costing $300 a year, save that by talking a jog around the park or taking a run or cycling.

2.       Have A Spa At Home

Pamper yourself at home instead of heading towards a spa. If you go to a parlor then you have to spend at least $140 for a single visit. Try to make homemade masks out of oats and honey. Be smart and make your home turn into a self-spa (turn on the soft music, glow a dim light, spread some aromas) and save $600 a year.

3.       Pizza Delivery: Not Required

You can ditch the delivery of the pizza as they are going to put an additional surcharge. Better, save the money by cooking up a frozen one. You can save at least $15 every time if you pre-heat the oven.

4.       Home-Based Cleaning Products

Why you need to invest money in those expensive house-cleaning items? Those attractive packaging and pretty smelling things can convince you. Well, get rid of them and use rubbing alcohol as the common sanitizer in comparison to your branded counterparts.

5.       Have The Nail Salon At Your Home

Skip having manicures and pedicures in every two weeks to pamper yourself. Get them done at home instead. If it’s necessary then go at least once in a month. You can save at least $600 with the use of it.

6.       Reconsider The Cell Phone Plans

Check out on which cell phone you have tagged yourself. Check out do you need every facility for which you pay. Whack down the unnecessary offers and cut off at least $20 on your mobile bills making it a savings of $240 at the end of the year.

7.       Public Vehicles

You can shell out those the extra money you spend every day while you ride on the bus to commute to your workplace. You are going to save on gas, parking area, and finally the wear and tear of your car.

8.       Save On Subscriptions

You need to subscribe to the favorite publication of your magazines or tabloids that you pick from the stand. A subscriptions generally takes $20 a year, if you buy individually it will cost $4 for each. You are going to save at least $36 each year on such subscriptions.

9.       Online Payment Of Bills

The cost of stamps is on a steady rise, so it is going to cost your dearly. Skip the price of the footage and pay in click per second.

10.    Use Of BYO Bags

Does your city charge for a plastic bag? If so, then it is better to use the reusable totes whenever you go. You can save at least $0.05. You are not only going green but saving green too!

Author BioMoumita Dasgupta, a financial blogger and the owner of bizandfiz, shares her knowledge and expertise of various finaical topics. A clear view on market, business, forex, funds, personal finances etc. are the subjects she perfectly underlines thorugh her articles.

Thursday, 20 June 2013

10 Tips to Save Money A Little Differently

‘‘A little differently’ - Halt! You have marked the words right.

Yes, saving a little out of the way is the idea we are going to share in this blog. Pinching every penny is tough! At times, you get on to seek some professional help, when you cannot plan some great savings idea.

This is 2013, and if you have still not controlled your financial situations then you are heading towards a great trouble by the end of the year. Still you have six months. Let’s see what ideas will help you to save money as soon as possible.

Check out some cracking tips to save money in a different way to save money here in this blog.

1. Cutting Down On The Clutter

Well at home, you can arrange for some garbage sale. You might find things that are no longer in use. You can start filling up the garbage box. Prepare for a simple sale collecting unused stuffs at your home.

2. Scratch the Coupons

When you look at the coupons at times, you think to disregard it just seeing the picture. Well, it is not the thing to throw in the waste paper basket. Scratch it. At times, the shop owners hide the expensive items in hope that you might spend the money.

3. Budgeted Giving

You have to buy presents and gifts on various occasions. Add up how much you spend on these gift items in 12 months. Make a calculation in the beginning of the month to budget your gift loads. You can reconsider your list back if the gift amount scales very high.

4. Managing  Stockpile

You can buy items in large stocks and try to stock them easily in a closet. Like you may buy the winter garments in the summer, as it is available at a lower price, to save money during the winters. A closet door is a good option to store the stocks.

5. Timesaving Budget

Start taking baby steps in order to save large. Guys, I have a good idea, let me share. Make an aim to save $5 every week at the grocery store using coupons, discounts etc. You might increase the amount if you get a desirable scope.

6. Planning a Staycation

You can look on the tourist spots in the neighboring states or within your state. Take some trips to local tourist sites. Go for long-drives with family, swimming venues, hiking, visiting museums. At times, in some magazines you will attractive coupons of restaurants, tickets of theme parks.

7. Stress-Free Shopping

Try to look for inexpensive ways to have fun. At times, kids may be lingering for items when you visit the store or malls. Well, I have an idea the next time you get to a store make your kid hold a list of the shopping items and give him a crayon to tick the items as you put them in the cart. Try it, it works! He or she will be joining the game of picking things in the cart, and you can deviate their attention from attractive gizmos or other expensive accessories.

8. Buying Second Hand Goods

What’s need to buy a new juicer or a coffee maker, when you get one in a nearly minted condition? Look for appliances in the garage sale or online in the Craiglist. Chances are there that people might have been used it once or twice.

9. Say No To Disposables

Running dishwasher to clean the plates two more time after a summer warm up party will cost you dearly. Why don’t you try these one-time use pans, paper plates and the plastic cups?

10. Stocking Up Kid’s School Supplies

When your kid’s school is about to commence start buying the school items just two weeks before that. You will get them at a comparative low price. Make sure you buy a full set to make your kid comfortable throughout the year and avoid paying excess price in the midst of the year when your child needs more.

This is the first set of the list to save money in a little different way. We will come up with more 10 ideas in  our next list the other day.

Author BioMoumita Dasgupta, a financial blogger and the owner of bizandfiz, shares her knowledge and expertise of various finaical topics. A clear view on market, business, forex, funds, personal finances etc. are the subjects she perfectly underlines thorugh her articles.

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