1. Read magazines/books at the library or online. Too many magazines can cost a fortune. And how many times have you bought a magazine based on the cover and been disappointed by the lack of substance. At the library you can read magazines for free. And many magazines now offer their content for free online. For law students out there, instead of buying new law books, you could just borrow them from the library or read them directly from your PCs. There are a lot of soft copies of different law books if only you take time to surf the net.
2. Choose your phone provider. If cell phones are really a necessity for your family, choose companies that offer promos. For instance, there is this phone company where you will only pay less than 1 thousand pesos and you could avail of three phones. The promo also includes unlimited text and call provided with the same phone provider.
3. Combine your internet and telephone service. Different internet providers and telecommunication companies now offer combined services that not only cost less, but offer the convenience of a single bill.
4. Get rid of your home telephone. This is a great way to save money. Many don’t do it because of emergency purposes. But if you’re comfortable relying on a cell phone, there’s no reason to keep a land line. If you do, consider reducing your service to the minimum. How? There are phone companies that offer landlines with the use of prepaid cards. Avail of this offer. Use the phone only for emergency to lessen your expenses on prepaid cards.
5. Turn off the television. I do not watch television. When it comes to current events, it’s either I read the newspaper or surf the net. Since I was a kid, watching television was never my interest.
One big way to save money is to watch less television. There are a lot of financial benefits to this: less exposure to guilt-inducing ads, more time to focus on other things in life, less electrical use, and so on. It’s great to unwind in the evening, but seek another hobby to do that.
6. Install CFL (or, even better, LED) bulbs wherever it makes sense. These bulbs might cost more initially, but they both have a longer life than normal incandescent bulbs and they both eat far less electricity. CFLs tend to use about 25% of the electricity of an incandescent - LEDs use about 2%. CFLs are cheaper than LEDs right now and produce better light, but not quite as good as incandescent bulbs.
7. Be diligent about turning off lights and other appliances before you leave. The key is to use less energy, particularly when you’re not using the device. This will surely cut down your electric bills.
8. Make sure your freezer is full. An empty freezer requires more energy to keep cold.
9. Get a digital camera. You save money on film.
10. Write a list before you go shopping - and stick to it. TIP: Buy only the needs of your family. In case there are still extra money, that’s the only time you can include your wants in your list. One should never go into a store without a strong idea of what one will be buying while in there. Make a careful plan of what you’ll buy before you go, then stick strictly to that list when you go to the store. Don’t put anything in the cart that’s not on the list, no matter how tempting, and you’ll come out of the store saving a bundle.
11. Don't go when you're hungry. This is a common tip, but it's true — when you're hungry, you want to buy all kinds of junk. You'll end up spending a lot more. Eat a good meal first, and you'll be more likely to stick to your list.
12. Buy items of generic brands. Medicines nowadays are so expensive and usually your doctor will advise/prescribe more than two tablets/capsules for a couple of days to cure you’re illness. It’s more practical to buy generic ones. They are exactly the same as their branded counterparts and cost less.
This holds true when it comes to your grocery items and other things you buy regularly.
13. Buy items in bulk. I buy items we use a lot of in bulk, particularly items that don’t perish - trash bags, laundry detergent, soap, shampoo and so on are purchased in the largest amounts possible. This cuts down on our cost per usage by quite a bit and, over the long haul, begins to add up to some serious money. Even better, I don’t have to shop for these items very often, saving time and a fraction of the cost of a trip to the grocery store.
14. When there's a sale, stock up. Sale items can be a great deal. If it's an item you normally use, buy a bunch of them. Don’t forget to check their expiration dates.
15. Compare prices. To determine the true value of a product, read the unit price, not just package price. The unit price information is usually on a sticker located on the shelf that holds the item. The package price only tells you the cost of the entire item. The unit price shows the cost per pound, ounce, etc. Taking a moment to compare this information in similar products will help you get the best value for your dollar. Also, be certain to check “expiration” and “use by” dates for the freshest products.
16. Use coupons and loyalty cards at grocery stores/ book stores and department stores.
17. Don’t fear leftovers - instead, jazz them up. Many people dread eating leftovers - they’re just inferior rehashes of regular meals, not exactly enjoyable to the discerning palate. However, there’s nothing cheaper than eating leftovers and with a few great techniques for making leftovers tasty, you can often end up with something surprising and quite delicious on the other end. TIP: When you make dinner at home and there are leftovers, don’t just put them right into the fridge. Instead, portion them out into bowl size plastic lidded containers as whole meals. This makes them much easier to grab, re-heat and eat for lunch later. And if you have a lot left over, freeze some of them.
18. Eat breakfast. Eating a healthy breakfast fills you up with energy for the day and also decreases your desire to eat a big lunch in the middle of the day and a merienda during your break. Not only that, breakfast can be very healthy, quick, and inexpensive. A bowl of oatmeal in the morning is often the one thing that keeps me from running out to eat an expensive lunch later in the day - and it keeps me peppy and full of energy for the entire morning instead of in a coffee-laced daze.
19. Prepare some meals at home. Get an accessible and easy-to-use cookbook and try making some of the dishes inside. You’ll find that cooking at home is much easier than you think - and way cheaper and healthier than take-out or dining out. Even better, you can easily prepare meals in advance - even handy fast food type meals.
20. Eat less meat. For the nutritional value, meat is very expensive, especially as compared to vegetables and fruits. Simply change around your regular meal proportions to include more fruits and vegetables and less meat. Not only is this a healthier way to eat (saving on health costs), it’s also less expensive.
21. Bring your own baon. Instead of going out to eat at work/school, take your own lunch. Lots of people think that this means “nasty lunch,” but it doesn’t. With some thoughtful preparation and just a few minutes of time, you can create something quite enjoyable for your brown bag lunch - and save a fistful of cash each day, too.
22. Pack food before you go on a road trip. Have everyone pack a sack lunch for the trip. That way, instead of stopping in the middle of the trip, driving around looking for a place to eat, spending a bunch of time there, and then paying a hefty bill, you can just eat on the road or, better yet, stop at a nice park and stretch for a bit. Plus, you’ll save a lot of money and a fair amount of time this way.
23. Buy snacks at the grocery store, not at roadside convenience stores.
24. Drink more water. Not only does drinking plenty of water have great health benefits, water drinking has financial benefits, too. Drink a big glass of water before each meal, and not only will you digest it better, you won’t eat as much, saving on the food bill.
25. Make your own coffee. Better yet, stop drinking coffee.
26. Drive a different route to work. This is an especially powerful tip if you find yourself “automatically” stopping for something on the way into work or the way home. Get rid of that constant drain by selecting a different route that doesn’t go by the temptation, even if the new route is a bit longer. You’ll still be time ahead (because you’re not stopping) and you’ll definitely be money ahead.
27. Take public transportation. If the city’s transit system is available near you, take it to work (or to play) instead of driving your car. It’s far cheaper and you don’t have to worry about parking your vehicle. That’s money in the bank.
28. Drive slower. Driving the speed limit is more fuel efficient than speeding
29. Park in shade. A hot car evaporates gas. If it's a hot day, park in the shade, and use your garage.
30. Walk. Driving less is a great way to save gas. If you have to make a trip of only a few blocks, try walking instead. You will burn fat instead of gas.
31. Start a garden. Gardening is an inexpensive hobby if you have a yard. Just rent a tiller, till up a patch, plant some plants, keep it weeded, and you’ll have a very inexpensive hobby that produces a huge amount of vegetables and fruits for you to eat at the end of the season. At the back of our house, we do have a garden with growing fruits and vegetables such as coconut, papaya, calamansi, camote, kangkong, spinach leaves, etc.
32. Go through your clothes - all of them. If you have a regular urge to buy clothes, go through everything that you have and see what you might find. Take the clothes at the back of the closet and bring them to the front and suddenly your wardrobe will feel completely different. Take the clothes buried in your dresser and pull them to the top. You’ll feel like a brand new person who doesn’t need to spend money on clothes right now.
33. Don’t buy into trends. Keep a wardrobe of classic pieces, so you don’t have to update your clothes every year.
34. Wear clothes more than once before washing them. You’ll reduce wear on your clothes and save energy by not washing so often.
35. Instead of throwing out some damaged clothing, repair it instead. Don’t toss out a shirt because of a broken button - sew a new one on with some closely-matched thread. Don’t toss out pants because of a hole in them - put in a patch of some sort and save them for times when you’re working around the house. Simple sewing can be done by anyone - it just takes a few minutes and it saves a lot of money by keeping you from buying new clothes when you don’t really need to.
36. Buy gender neutral baby clothing so you can use them again with the next baby.
37. Use a clothes liner to dry clothes. You’ll save on your energy bill.
38. Give up expensive habits, like cigarettes, alcohol, and drugs. Those habits cause money to flow away from you with nothing in return.
39. Don’t throw away “dead” batteries. Remove them from your radio and use them in quartz clocks. These clocks take such a small amount of power that batteries too weak to run anything else may have enough power to run a clock for a while.
40. Wash and reuse plastic bags.
41. Add water to your shampoo to get more uses.
42. Book your flights and cruises way in advance. You can get lower prices.
43. When flying, bring your own snacks and drinks. Airport food and drinks are expensive.
44. Avoid ATM fees. Only withdraw money from machines approved by your bank.
45. Don’t own a pet. You’ll save money on food and shots.
46. Avoid impulse buying. Practice tantric shopping.
47. Sell your old stuff, like CD’s and books on eBay and Amazon.
48. Turn your hobby into a business. Pretty much anything you do can be turned into a business of some sort.
49. Start a blog and put Adsense on it. You might only earn 4 cents a week, but it’s something.
50. Do freelance work on the side. If you’re a good writer, photographer, artist, or programmer you can make some extra money by selling your talent to companies.
51. Buy used textbooks.
52. Take advantage of free pens and pencils at business conferences/seminars.
53. Refill ink cartridges instead of buying new ones.
54. Print off your documents in draft mode. It’s faster and saves ink.
2. Choose your phone provider. If cell phones are really a necessity for your family, choose companies that offer promos. For instance, there is this phone company where you will only pay less than 1 thousand pesos and you could avail of three phones. The promo also includes unlimited text and call provided with the same phone provider.
3. Combine your internet and telephone service. Different internet providers and telecommunication companies now offer combined services that not only cost less, but offer the convenience of a single bill.
4. Get rid of your home telephone. This is a great way to save money. Many don’t do it because of emergency purposes. But if you’re comfortable relying on a cell phone, there’s no reason to keep a land line. If you do, consider reducing your service to the minimum. How? There are phone companies that offer landlines with the use of prepaid cards. Avail of this offer. Use the phone only for emergency to lessen your expenses on prepaid cards.
5. Turn off the television. I do not watch television. When it comes to current events, it’s either I read the newspaper or surf the net. Since I was a kid, watching television was never my interest.
One big way to save money is to watch less television. There are a lot of financial benefits to this: less exposure to guilt-inducing ads, more time to focus on other things in life, less electrical use, and so on. It’s great to unwind in the evening, but seek another hobby to do that.
6. Install CFL (or, even better, LED) bulbs wherever it makes sense. These bulbs might cost more initially, but they both have a longer life than normal incandescent bulbs and they both eat far less electricity. CFLs tend to use about 25% of the electricity of an incandescent - LEDs use about 2%. CFLs are cheaper than LEDs right now and produce better light, but not quite as good as incandescent bulbs.
7. Be diligent about turning off lights and other appliances before you leave. The key is to use less energy, particularly when you’re not using the device. This will surely cut down your electric bills.
8. Make sure your freezer is full. An empty freezer requires more energy to keep cold.
9. Get a digital camera. You save money on film.
10. Write a list before you go shopping - and stick to it. TIP: Buy only the needs of your family. In case there are still extra money, that’s the only time you can include your wants in your list. One should never go into a store without a strong idea of what one will be buying while in there. Make a careful plan of what you’ll buy before you go, then stick strictly to that list when you go to the store. Don’t put anything in the cart that’s not on the list, no matter how tempting, and you’ll come out of the store saving a bundle.
11. Don't go when you're hungry. This is a common tip, but it's true — when you're hungry, you want to buy all kinds of junk. You'll end up spending a lot more. Eat a good meal first, and you'll be more likely to stick to your list.
12. Buy items of generic brands. Medicines nowadays are so expensive and usually your doctor will advise/prescribe more than two tablets/capsules for a couple of days to cure you’re illness. It’s more practical to buy generic ones. They are exactly the same as their branded counterparts and cost less.
This holds true when it comes to your grocery items and other things you buy regularly.
13. Buy items in bulk. I buy items we use a lot of in bulk, particularly items that don’t perish - trash bags, laundry detergent, soap, shampoo and so on are purchased in the largest amounts possible. This cuts down on our cost per usage by quite a bit and, over the long haul, begins to add up to some serious money. Even better, I don’t have to shop for these items very often, saving time and a fraction of the cost of a trip to the grocery store.
14. When there's a sale, stock up. Sale items can be a great deal. If it's an item you normally use, buy a bunch of them. Don’t forget to check their expiration dates.
15. Compare prices. To determine the true value of a product, read the unit price, not just package price. The unit price information is usually on a sticker located on the shelf that holds the item. The package price only tells you the cost of the entire item. The unit price shows the cost per pound, ounce, etc. Taking a moment to compare this information in similar products will help you get the best value for your dollar. Also, be certain to check “expiration” and “use by” dates for the freshest products.
16. Use coupons and loyalty cards at grocery stores/ book stores and department stores.
17. Don’t fear leftovers - instead, jazz them up. Many people dread eating leftovers - they’re just inferior rehashes of regular meals, not exactly enjoyable to the discerning palate. However, there’s nothing cheaper than eating leftovers and with a few great techniques for making leftovers tasty, you can often end up with something surprising and quite delicious on the other end. TIP: When you make dinner at home and there are leftovers, don’t just put them right into the fridge. Instead, portion them out into bowl size plastic lidded containers as whole meals. This makes them much easier to grab, re-heat and eat for lunch later. And if you have a lot left over, freeze some of them.
18. Eat breakfast. Eating a healthy breakfast fills you up with energy for the day and also decreases your desire to eat a big lunch in the middle of the day and a merienda during your break. Not only that, breakfast can be very healthy, quick, and inexpensive. A bowl of oatmeal in the morning is often the one thing that keeps me from running out to eat an expensive lunch later in the day - and it keeps me peppy and full of energy for the entire morning instead of in a coffee-laced daze.
19. Prepare some meals at home. Get an accessible and easy-to-use cookbook and try making some of the dishes inside. You’ll find that cooking at home is much easier than you think - and way cheaper and healthier than take-out or dining out. Even better, you can easily prepare meals in advance - even handy fast food type meals.
20. Eat less meat. For the nutritional value, meat is very expensive, especially as compared to vegetables and fruits. Simply change around your regular meal proportions to include more fruits and vegetables and less meat. Not only is this a healthier way to eat (saving on health costs), it’s also less expensive.
21. Bring your own baon. Instead of going out to eat at work/school, take your own lunch. Lots of people think that this means “nasty lunch,” but it doesn’t. With some thoughtful preparation and just a few minutes of time, you can create something quite enjoyable for your brown bag lunch - and save a fistful of cash each day, too.
22. Pack food before you go on a road trip. Have everyone pack a sack lunch for the trip. That way, instead of stopping in the middle of the trip, driving around looking for a place to eat, spending a bunch of time there, and then paying a hefty bill, you can just eat on the road or, better yet, stop at a nice park and stretch for a bit. Plus, you’ll save a lot of money and a fair amount of time this way.
23. Buy snacks at the grocery store, not at roadside convenience stores.
24. Drink more water. Not only does drinking plenty of water have great health benefits, water drinking has financial benefits, too. Drink a big glass of water before each meal, and not only will you digest it better, you won’t eat as much, saving on the food bill.
25. Make your own coffee. Better yet, stop drinking coffee.
26. Drive a different route to work. This is an especially powerful tip if you find yourself “automatically” stopping for something on the way into work or the way home. Get rid of that constant drain by selecting a different route that doesn’t go by the temptation, even if the new route is a bit longer. You’ll still be time ahead (because you’re not stopping) and you’ll definitely be money ahead.
27. Take public transportation. If the city’s transit system is available near you, take it to work (or to play) instead of driving your car. It’s far cheaper and you don’t have to worry about parking your vehicle. That’s money in the bank.
28. Drive slower. Driving the speed limit is more fuel efficient than speeding
29. Park in shade. A hot car evaporates gas. If it's a hot day, park in the shade, and use your garage.
30. Walk. Driving less is a great way to save gas. If you have to make a trip of only a few blocks, try walking instead. You will burn fat instead of gas.
31. Start a garden. Gardening is an inexpensive hobby if you have a yard. Just rent a tiller, till up a patch, plant some plants, keep it weeded, and you’ll have a very inexpensive hobby that produces a huge amount of vegetables and fruits for you to eat at the end of the season. At the back of our house, we do have a garden with growing fruits and vegetables such as coconut, papaya, calamansi, camote, kangkong, spinach leaves, etc.
32. Go through your clothes - all of them. If you have a regular urge to buy clothes, go through everything that you have and see what you might find. Take the clothes at the back of the closet and bring them to the front and suddenly your wardrobe will feel completely different. Take the clothes buried in your dresser and pull them to the top. You’ll feel like a brand new person who doesn’t need to spend money on clothes right now.
33. Don’t buy into trends. Keep a wardrobe of classic pieces, so you don’t have to update your clothes every year.
34. Wear clothes more than once before washing them. You’ll reduce wear on your clothes and save energy by not washing so often.
35. Instead of throwing out some damaged clothing, repair it instead. Don’t toss out a shirt because of a broken button - sew a new one on with some closely-matched thread. Don’t toss out pants because of a hole in them - put in a patch of some sort and save them for times when you’re working around the house. Simple sewing can be done by anyone - it just takes a few minutes and it saves a lot of money by keeping you from buying new clothes when you don’t really need to.
36. Buy gender neutral baby clothing so you can use them again with the next baby.
37. Use a clothes liner to dry clothes. You’ll save on your energy bill.
38. Give up expensive habits, like cigarettes, alcohol, and drugs. Those habits cause money to flow away from you with nothing in return.
39. Don’t throw away “dead” batteries. Remove them from your radio and use them in quartz clocks. These clocks take such a small amount of power that batteries too weak to run anything else may have enough power to run a clock for a while.
40. Wash and reuse plastic bags.
41. Add water to your shampoo to get more uses.
42. Book your flights and cruises way in advance. You can get lower prices.
43. When flying, bring your own snacks and drinks. Airport food and drinks are expensive.
44. Avoid ATM fees. Only withdraw money from machines approved by your bank.
45. Don’t own a pet. You’ll save money on food and shots.
46. Avoid impulse buying. Practice tantric shopping.
47. Sell your old stuff, like CD’s and books on eBay and Amazon.
48. Turn your hobby into a business. Pretty much anything you do can be turned into a business of some sort.
49. Start a blog and put Adsense on it. You might only earn 4 cents a week, but it’s something.
50. Do freelance work on the side. If you’re a good writer, photographer, artist, or programmer you can make some extra money by selling your talent to companies.
51. Buy used textbooks.
52. Take advantage of free pens and pencils at business conferences/seminars.
53. Refill ink cartridges instead of buying new ones.
54. Print off your documents in draft mode. It’s faster and saves ink.
1 comments:
According to Edgar Cayce’ prediction “sound is the medicine for the 21st century”. His prediction is proven correct; one of the amazing findings of the 21st century is classical music.
There are increasing numbers of experts that testify the surprising benefits of classical music:
1. February 2005 (Journal of Advance nursing):
Found that older adults with sleep problems who listened for about 45 minutes to soft music at bedtime reported 35% improvement in their sleep.
Classical music is proven therapeutic to a lot of illness such as old age related conditions (like alzheimer), Brain injury, acute pain including mothers in labor, and physical disabilities. That is why in US classical music is played in psychiatric hospitals and rehabilitation centers.
One hospital study found that heart patients received the same anxiety benefits from listening to 30 minutes classical music as they did from taking drug valium.
2. 2004 (London, England)
British Transport police play classical music to underground stations in some of the areas most dangerous neighborhoods. After 6 months of playing the music,
Robberies were cut by 33% , Staff assaults decreased by 25%, vandalism went down to 37%
3. 2001 (West Palm beach, Florida)
“It’s not practical to have a cop sitting there all day long”
“So what do we you do?”
“How do you change the scope of the neighborhood ”
Cops installed a CD player and speakers on an abandoned building in a crime- ridden neighborhood. After playing the music for 24 hours a day for about 3 months, Shootings, theft, loiterers and drug deal decreased.
4. Some supermarkets and stores in the US piped in music in their place. According to them classical music tend to put shoppers at ease, relax and look at the items for sale.
5. In the office classical music is used to reduce mood disturbance and job burnout.
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