I now only use credit card for gas purchases and debit cards for online purchases. All other expenses are paid in cash.
The simplest way to describe a debit card is that it’s a prepaid credit card. You can use it to pay online or at the mall (the shop has to have a smart terminal [...]
Order tap water when dining out.
Beverages are marked up by 50-80%. You can save a few hundred off your bill and your waistline too.
Take the public transport.
You don’t have to worry about driving. The difference from taking a car could range between 15-45 minutes. That’s not so bad considering your savings.
Take a walk.
We can’t walk [...]
Free personal finance web application
A free personal finance software called Mint is about to come out. It may give a more intuitive approach to managing money as it claims to find ways to save you money! It features automatic categorization of expenses.
Now, if only there was a way for these very interesting web applications [...]
The Foundation for Credit Education says:
For individuals who don’t like to work with figures, the “envelope method” provides a simple way to build a savings fund. This convenient system allows you to set aside money each week for various expenses without making frequent trips to the bank or keeping paper and pencil records.
What do you [...]
Overspending? Does it seem as if you never know exactly where you are with your finances? I’m not going to promise you’ll be rich overnight but at least take a look at the budgeting techniques that have worked for many others.
Why is it important to even take a look at your finances? The B Word [...]
