Let’s face it: for most salaried individuals, especially the ones in the middle income group, saving money remains one of the most daunting and biggest challenges. Remember, the ever-increasing inflation rate and the ever-so-growing dearness is making it difficult for most people to make a sizable saving from their hard-earned money. But you will be surprised when we say it is easier than ever to save your hard-earned money, no matter what your budget is. Wondering how? Simply skim through this post to get acquainted to 5 easy ways to save tax on any budget. So, let’s start! … [Read more...]

Having dental insurance can spring up unexpected extra fees and surprise membership charges. It’s important to be aware of hidden costs when considering a dental insurance plan. Find a policy that meets your budget, needs, and is affordable for you and your family.   Surprise Enrollment Fees Companies unable to mandate your enrollment will often charge a sign-up fee. This charge reflects as a privilege to sign up with the company in question. These one-time setup fees most often sneak into family dental insurance plans. This is often how independent companies make a profit since … [Read more...]

We all have financial goals that we dream of reaching. For some people, the goal is to find enough money to eventually buy a dream car or the perfect house. For other people, all they want is to feel comfortable enough with their finances that they don’t have to worry about stretching and scrimping to make ends meet. Whatever your ambitions might be, you can begin to make progress in no time with a few simple changes to your day-to-day habits. Here are some quick ways that you can make a big change in the year ahead and start to reach your targets. 1.    Use A Cash Only … [Read more...]

Are there any easy ways to save money on a monthly basis? Looking for different savings options is often a priority for both the financially independent, as well as for those living paycheck to paycheck. Some ways to save are downright obvious. Cook at home to avoid spending on restaurants or turn off the lights if you're not in the room. Other times though, saving money doesn't come easy. And the reasons vary from household to household. Lack of financial education is clearly a good explanation as to why many have no idea how to save on a regular basis. Being in debt often … [Read more...]

Trying to save money for your financial goals and pay all of your bills on time can feel like you're walking a tightrope with big weights on either arm, ready to pull you down. The more you spend beyond your means, the harder it will be for you to keep track of your expenses and reduce your risk of unnecessary debt. While it's tempting to keep pushing forward and ignoring the issues that could be causing your budget to fail, it's far more valuable to sit down and address your money worries before they become overwhelming. Balancing your budget will give you the freedom and confidence you … [Read more...]

How much money do you spend to be entertained? You can quantify your experience by calculating something known as the “entertainment per dollar” ratio. This is the idea that takes the value of the item (or service), divides it by how long you’re into it, and presents a dollar amount for each hour you’re entertained. An example of this would be a $50 video game that stretches 20 hours thus making the entertainment per dollar at $2.50/hr. It’s a good way to save money on entertainment for several reasons. The main reason being that you’re hesitant from buying a product or service … [Read more...]