Category Archives: Everyday Ways To Save

Basic Money Handling Tips

The ability to handle money appropriately has never been more imperative. In this day and age, people who are aware of just the most basic ways to manage capital do significantly better than individuals with poor money management skills. The perks of managing capital appropriately are well documented. Any individual who is serious about his or her financial future would do well to learn some of the most basic, yet paramount money handling tips.

Don’t Spend Every Dime You Earn

Virtually everyone has heard someone say that they want to “make more money.” The desire to increase one’s earnings is universal, however, the manner in which one handles the extra capital is what truly makes the difference. Far too often, when someone’s earnings increase, so does their lifestyle. For instance, an individual who receives a raise from his or her boss may then feel the inclination to spend more money. In their mind, why shouldn’t they? They’re making more money and can afford to be less frugal, right? Wrong! Far too many people have this mindset and it hinders them from considerable financial growth.

As the old saying goes, “if you make a million and then spend a million, you’re still broke.” A person who is serious about handling money appropriately should first and foremost put more money aside towards savings or fruitful investments when they see an increase in their earnings. This is not to say that one can never upgrade their quality of life, however, it needs to be done in moderation and with steady progression. Anything more is a recipe for financial disaster.

Don’t Go Into Debt

Similarly to saving and investing capital, landing in debt is another one of the most common financial traps that many people fall into at one point or another. It is only human nature to desire nice things and enjoy a certain lifestyle, however, the finer amenities of life must be earned. This is a concept that many individuals fail to realize. The temptation to swipe one’s credit card repeatedly feels great until the bill comes due and the person can’t pay it. All of a sudden interest kicks in, on top of the original debt, and the cost of a $400 wallet is now $20,870.76 by the time it is completely paid off.

Debt and interest are the enemies of financial success and should be avoided at all costs. Those who wish to experience the best that life has to offer must do so by increasing their earnings in one way or another. There are many ways to create passive income streams, including driving for Lyft or Uber in one’s free time, renting out spare rooms on Airbnb, or doing freelance work on a site like Upwork. Regardless, debt should never be incurred. Persons who are already in debt should work to pay it off immediately.

A Final Word

While the list of money handling tips could go on indefinitely, not spending every earned dime and abstaining from debt are two of the most crucial methods of achieving financial success. Although the foregoing changes can be challenging at first, they ultimately depend upon one’s level of discipline, wisdom, and execution.

Authored by Gabrielle Seunagal

Smart Ways to Live Like You’re Rich

We’d all like to learn brilliant ways to live rich and feel richer, right? It feels difficult, and there might be times where it truly is, but you can work through any financial struggle when you think smart. There are numerous ways to live like your rich even when you’re not. Keeping up with the Jones’s doesn’t have to break the bank–there are smart ways to get ahead. For instance, you might not have thought about using your credit card reward points to score those fabulous trips you wouldn’t ordinarily be able to afford–but you can.

You can live a life free from financial stress. You do need to be accepting of your limits though, and be more aware of what the priorities are. For instance, you certainly need to be well rested to be able to work hard for a higher income, so investing in a great mattress should be a priority. This is just one example of where to start in smart spending decisions. Now, when you do earn more money that doesn’t mean you should start spending more either.

The following tips we will share below should give you an idea on how you can live like your rich and be happier, wiser and more comfortable in your every day life.

Living the Rich Life Wisely

You have to invest and save to get rich. So, what the experts say is to determine exactly how much money you need a year to enjoy your life. Once you have that figure all the rest of your earnings should be saved every time you get paid. When you want to take a trip, take advantage of those frequent flyer miles, or cash rewards on your bank or credit card. When you want that big item at the department store, put it on layaway or save for it every week and then go pay cash. The idea is to try and pay outright for everything you acquire then you’ll avoid debt and be able to live with less stress and financial worry!

These tips can help, but everyone is different so take your time, plan a strategy and stick to it! We can all enjoy the better things in life when we think smarter and not act on unwise impulses. It’s time to put a plan into motion to live rich! Follow these additional tips to live the life you deserve today:

  • Never spend more than 25% of your income toward housing costs
  • Stick to a grocery budget and shop for sales
  • Set financial goals and stick to them
  • Wait for an item to go on sale and purchase it off season
  • Listen intently and read financial newsworthy material 
  • Stay on top of your bank finances and know what you have in the bank



Learn 10 Exclusive Money Habits To Improve Your Financial Portfolio

Are you being your own best adviser? If you are then you have to be one of many proactive Canadians asking yourself just what your doing on a daily basis to help your income become larger? Also, you might be dedicated on researching ways to gain higher interest on your savings at your bank. Developing some new money habits is important when you are attempting to transform your financial portfolio. It takes time, but it is well worth the effort.

Canadian consumers have heard, or read that their daily decisions regarding money have a huge impact on their long-term financial health; and this is very true. Just as you should take care of your body by eating healthier and getting in exercise daily, you should tweak your finances and stay on top of money coming in and money going out. You should have a financial plan in place. Now, there are specific money habits that can keep your budget neat and trim; and which eventually lead to you establishing a good amount of wealth too. If you want to live comfortably one day, without worrying with how much something is, or some kind of emergency coming up, the following below habits can whip you into shape.

What Can Canadians Do Daily to Reach Wealth by Retirement


It doesn’t even have to be when you retire. If you start controlling how you spend money now and setting up a proper budget habit then you can achieve a secure financial status far before you retire. However, you have to have the income. If you are short on funds that will help you save then you need to consider finding new ways to bring in extra money. Sometimes you have to work more to succeed later–that’s life! Great things just don’t happen overnight. Many Canadians have to work harder than ever to achieve financial success, but that is okay too. It’s a great goal, and it’s an admirable one.

Need to spend less than you are earning

This is not a new one at all, it is certainly a habit that needs to take priority. If you continuously have more money going out than you do coming in this can present a problem. But, if you control your spending and develop new financial habits you can gain control here.

Always make sure you budget for all those little extra expenses

You don’t want to get caught with your wallet empty! You never know when something might come up, so being prepared is the smartest financial decision you can make. You want to have more than just the basics as well. Remember that the little expenses can add up. Sometimes you need to learn when to say no to that Chai Latte at Starbucks! Those little things really do deplete a budget fast, as do other unnecessary expenses.

Write down everything you spend

This might feel tedious, but it is the only way your going to be able to keep up with your finances. Carry a little notebook with you everywhere and right down even the smallest expenses. You’ll soon be able to see exactly what you’re spending money on.

Design an all cash type of lifestyle

4 Everyday Ways to Save When You Buy Online and in Real Time

Who isn’t looking for everyday ways to save? Canadians certainly are, but honestly, it doesn’t matter where you live in the world. If you go online you will find everyday ways to save quite easily. This goes beyond traditional coupon clipping too. When you have a budget goal but you still would like the opportunity to splurge you can. It only takes a little bit of wit, discovering some new tips and applying a strategy to save big and not break your budget. If you could go to your favorite restaurant for $10 cheaper than average, wouldn’t you do it? It is possible! Grocery shopping with extra savings is even a possibility with the savings you can uncover online!

Also, with these practices in place you won’t have to wait to get what you want at a lower price either. It used to be that most major purchases required waiting for a super sale, for an item to go on clearance, or for it to go out of season for the discounted price. Sometimes that would never happen and sometimes it would, but it always took forever. Now the wait is over, if you save wisely! You can search for coupons too–both online and offline to earn substantial discounts. But every one knows about coupons, right?

Let’s pull the wool back and share what REALLY works today!

4 Exclusive Tips to Save Money on Everyday Purchases


The digital age is rich with discounts, special savings and other amazing money saving offers for the tech savvy shoppers today. If you’re not familiar with the Internet and utilizing tools such as smart devices that can save you time and money–it’s time you get educated. Tools that are available through credible websites can offer more than 10% off your purchases in many cases. But there are even more significant savings to be found without waiting for sales or digging for coupons and hoping they aren’t expired! You can absolutely save on anything you need to buy, and once you learn how you will never go back to paying full price for ANYTHING!

1.Discounted Gift Cards

Who would have ever thought that you can repurchase discounted giftcards? Well, you can. No matter where you are in the world, as long as you have access to a computer and the internet you’re in for a treat! Sites such as:


Resell gift cards other consumers haven’t wanted. These sites specialize in this service and are totally legit! You can sometimes find a Pier 1 Imports gift card worth $100 for only $89 (that’s an $11.00 savings)! There’s always more too! This is the perfect way to get additional savings on an item you’ve been wanting. Gift cards can be used for already discounted merchandise too.

2. Rebate Shopping Saves Tons

Rebate sites online are growing in popularity because more times than not you can earn another 4% in savings when you purchase through them. And, once again, they are totally credible. You might want to read a little about them first, but consumers have nothing but good to say about the proven ones. The most popular options are:
  • Swagbucks
  • Ebates
  • Top Cashback

The only requirements are to sign up to the site and visit before shopping online. So, say you want to make a purchase at Home Depot, but want the rebate savings. You’d start at Ebates (or what rebate site you choose) click on the link to the store, then do your shopping. The rebates site you sign up with is where you get your cash back earnings.

3. Have You Tried a Cash-Back Debit or Credit Card

From Visa signature cards to PayPal’s debit card, you can earn money back when you shop. This can be anywhere from 1 to 5%, depending on the stipulations or your card. Most reward the card owner at the end of every month. For example, PayPal deposits cashback earnings directly into an active PayPal account online one time a month. There is no limit to how much you can get back either, which just sweetens the deal! Remember, every card is different so read the fine print. You don’t have to be rich to get this kind of savings either.

4. Sign Up For the Mailing List

 If you sign up to receive notifications and other information you’ll often receive coupons and other discounts through email before anyone else. This is an exclusive plus for signing up to digital mailing with a company. Many first timers often receive a 15% discount code just for signing up. The sites that are most reliable about this, and which are clearly worth taking the time to sign up with can be found through here, but there are other sites where you can locate even more!
Following tips and tricks like these, along with crazy couponing can keep you on track with a budget and clearly help you save money versus wasting money. When you want to be proactive with your finances and avoid falling into poorly managed debt, learning strategies like these certainly helps!