How Students Can Save Money

Just like senior citizens in today's world where they can save on just about any item everywhere, it doesn't mean that you, the College or University student can save on particular items as well. In fact, there are a lot of items out there that a student may be unfamiliar with, that he or she can get a discount on.

Computer Software

This one is a biggie if you're attending classes that require you purchase software in order to do your homework. Big companies such as Microsoft, Adobe, and many other software companies offer big discounts for students on their software packages. Sometimes you may find these discounts to be almost half of what an average Joe will have to pay for their software. 

Car insurance

Believe it or not, if you're driving a car and you have car insurance; chances are that your car insurance company will give you some sort of student discount. Some companies will give you a discount on your car insurance if you get good grades. A lot of other companies will give you discounts just for being a student. Make sure that you call up your insurance agent and see exactly if you're getting all of the student discounts.

Airline Travel

If you tend to travel via airlines a lot, several major airline companies will offer student discount tickets. The rates usually vary, but generally you will be able to get a fairly good deal if you talk with the airliner company. It's always best to call up the airliner directly before you buy your ticket and ask them as questions regarding student discounts. A lot of the times you'll be surprised on how much you can save on you airline tickets. It never hurts to call! 

Check the local Area

Depending on where you live, you may find that local mom and pop shops around your school campus will offer student deals and discounts. This could be on a majority of things such as clothing, food, etc. A lot of the times the stores will post signage somewhere in the store stating what kind of student discount you can get. If you don't see any type of sign around, it never hurts to ask just to make sure. A good way to find out where the best local mom and pop shops for student discounts is by asking some fellow classmates.

As you can see by the list mentioned above, college students can get a discount in many places. The reason companies will offer student discounts is because these are young prospects that companies want as their future. They assume that if they target a low income student with a great deal, a student will create a relationship with a company using them many years down the road. Student discounts not only work for companies, it also works for the student saving you tons of money so that you can put more money toward your tuition.

10 Easy Ways For Single Parents To Save Money

Single parents often struggle with buying basic necessities and paying bills and usually live paycheck to paycheck. They often do not have any savings and are in debt. Here are 10 easy ways for single parents to save money:

1.) Buy a Used Car: Buy or trade in your current car for a used car with a cheaper payment. This will either eliminate your car payment or save you $50 to $200 a month on payments.

2.) Use Coupons: Buy whatever items are on sale or buy items with coupons. This can save you $50 to $300 a month. There have been instances where shoppers had a total bill of $200 and ended up paying $5 using coupons and buying items on sale.

3.) Buy Generic: Buy everything generic, including household items, clothing, prescriptions, toiletries, dry goods, canned goods, paper products, etc. This will save you on average $5 to $50 a month.

4.) Buy Washable Clothes: Buy clothes that do not require dry cleaning. This will save you on average $50 to $150 a month.

5.) Image: Do you own hair and nails and buy your makeup from a drugstore. This will save you on average $40 to $100 a month.

6.) Gas: Buy regular gas for your car unless the owner's manual suggests otherwise. Find the cheapest gas in your neighborhood to purchase. This will save you on average $.01-$.02 per litre.

7.) Shop at Discount Stores: Buy household items in bulk, such as paper products, and cleaning supplies, at discount stores such as Target, Wal-Mart, Costco, etc. This will save you on average $5 to $50 a month.

8.) Reduce expenses: Reduce or cancel your cable plan, cell phone or Internet service, or get the cheapest plan available. This can save you $20 to $100 a month.

9.) Buy groceries at Superstores: Buy your groceries at superstores or wholesale stores such as Wal-Mart, Costco, etc. Buy nuts, grains, spices, legumes at wholesale or health food stores. This will save you $30 to $200 a month on processing costs charged at regular grocery stores.

10.) Fun with Kids: Check your local library or newspaper to find free activities that you can do to with your kids. This can save anywhere from $5-$100 a month.

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Effective Money Saving Tips

Saving is your best defense against bankruptcy. It insulates you from possible financial loss and gives you the ability to expand your finances and create a money-generating business machine that will help you earn extra.

Your potential to flexing your base income is augmented in ways that is not confined within the walls of basic employment. You can start up your own business, use it for loan purposes and earn interest on them while being used, among others.

The basics of it all lies in Saving: spending less than what you earn and keeping something, enough for future use and for unforeseen circumstances.

Wants and Needs:

You buy items because you need them. A need is something you cannot take away from a person for these things are vital to his or her very existence and without they are considered poor or deprived.

Food, shelter, clothing and transportation are the primary examples. In a modern world, car and phone gadgets are a necessary part of a busy working individual. However, unless you are receiving more than $10,000 per month, you basically wont need to have a $60,000 to $80,000 luxury vehicle.

The same is true for your telephone media. Having your own cellular phone is necessary but keeping up with the latest model or buying the all the latest releases are not practical and earns you more points on plunging into a staggering financial downfall. 

Less Is best:

Extravagance is the rule of kings. While we sometimes need to afford a little affluence in terms of the food we eat, the body pampering devices and accessories, such as clothes and body-relaxing services, we also need to consider that these types of activities should only be reserved for special occasions and for cases when you have some excess left in your household budget.

Spend Less and Save More:

Spending more than what you earn or produce is a bad habit that most people get used to doing everyday. Allocate a special percentage of your earnings to go into your savings accounts while spending the rest for your day-to-day expenses.

This way any unexpected charges, such as the visitation of your relatives or a house party due to a certain celebration will be there to use. You will not need to make some leeway budget and save for them,should the situation arise.

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3 Ways to Save Money Instantly Online

One of the great benefits to shopping online is the various coupon, rebate and dollar-back programs available. If you click through a link, or use a coupon code, your savings can be substantial. In addition, you get all the other benefits of shopping online - no children to drag through stores, no gas costs of traveling there and back, and no hassle of dealing with crowds.

So, once you're convinced to shop online, where can you find the savings? There are several ways to save money online.

Coupons

This is a fairly standard. Go to one of the many coupon sites and look for the store you want to shop with, or search by category, depending on your needs. Be sure to click "apply" when you enter the coupon during checkout.

Although in the early days of online shopping, coupon codes were plentiful and generous, but good coupons these days are hard to find. Some stores will rarely offer coupons while others often offer free shipping on any size order. When you order, or even if you don't order, be sure to sign up with the website either by registering or signing up for coupons. These direct-email coupons are often some of the best you'll ever find.

Here are some excellent coupon sites to get you started:

MyBargainBuddy.com
FatWallet.com
MyCoupons.com

One note: If you are looking for a code for a certain store, don't assume that if it's not available at one website, it doesn't exist. There are different codes at different sites. Visit several coupon sites before giving up hope that a code does in fact exist for that store. 

Rebates

Here's how the big daddy of online rebate programs works. Go to Ebates.com and sign up for an account. Then, when you go shopping, check Ebates before heading directly to an online store. Even if you have a coupon from another site, click through the store link on the Ebates page for more savings.

Points

Not everyone knows about the various point programs available, but since you can earn points without doing any shopping, the points programs are worth knowing.

Visit MyPoints.com and sign up for an account. My Points will send emails (sometimes daily, sometimes several in one day). You click a link in the mail and automatically get 5 points. Sign up for an offer or make a purchase through that link and earn even more points, from hundreds to thousands of points per offer.

My Points is most useful, however, when you're shopping online. It's like Ebates in that you click through a link on the My Points site, and you get points for your purchase. Most stores offer a certain number of points (2 to 4 on average) per dollar spent. Once you have at least 1,000 points, you can redeem the points for gift certificates for restaurants, gas, travel and clothing.

You can't use Ebates and My Points in the same purchase, so if a store is linked through both Ebates and My Points, you have to decide which is the better deal for you. Whenever possible, try to combine a coupon code with the My Points or Ebates deal.

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5 Ways to Save Money On Organic Food

The cheapest method has got to be to grow your own. The great thing is that it doesn't require you to have much garden space, or even a garden at all! Grow tomatoes, and strawberries in containers and the extra benefit is that you get total control over the growing conditions. The best combination is to have organic soil together with organically produced seeds or plants, that way you ensure you get the full flavour and benefit. Containers can be placed anywhere that receives a reasonable amount of daylight, which means that you can use them on balconies or other hard surfaces.

One of the most satisfying things to do is to buy organic food locally. That way you get the freshest ingredients for your kitchen and also get to support local businesses. With no transportation costs for the supplier, you should get very competitive prices. Don't forget that these same businesses will be employing local staff so you are also helping the local economy, everybody wins in this scenario.

Visit a Farmers market. Organic food is just one of the variety of items sold, but the prices are very, very good indeed. Of course they are all local suppliers and with several of them in one place you benefit from healthy competition and get to sample a lot of fruit!

If you are unable to get out of your house or are too busy working to select your groceries by hand then why not subscribe to an organic box scheme? You will receive, delivered to your door, a weekly selection of fruit and vegetables in season.

Finally, investigate whether any farms near you are operating an organic farm shop. Some will be operated on an open farm so that you can go and see where the animals are being kept and take a look at the crops being grown. They usually have well-designed walking routes around the farm which makes a nice day out for the kids too.

If you investigate the options above you should be able to make considerable savings while you and your family sample the delights and advantages of organic food.

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Budgeting Like Mom

Budgeting is truly the turf of most mothers. Aside from the traditional role imposed on mothers as the one who budgets the family finances, mothers have the instincts and foresight on what might happen in the future.

How do moms really stretch the budget? She neither uses complicated formulas nor magic tricks, but simple ingenuity and common sense.

1.) She clearly knows where all the money goes. Usually it goes to child care apart from the housing, food and clothing. It is unlikely for her to cut cost on her children.

2.) She studies all options given to her in terms of child care. Before she decides, she examines all aspects like safety, health and education.

3.) To understand more, she talks to local child-care specialists and works out schedules with her employer for bonding time with kids.

4.) For working moms, it is double the effort. They take care of the house and the children and at the same time work. She incorporates practical ways to accomplish both roles.

 - Wearing professional clothes than trendy ones.
- Stays elegant but simple through a combination of basic colors.
- Dry cleaning costs a hefty amount, so, she dons on wash-and-wear clothes.
- Tone down on accessories.
- She engages in a lot of do-it-yourself habits like in cleaning spots and ironing wrinkles in her personal wardrobes.

 5.) Moms always shop with a list in her hand to keep track of her budget and expenses. She makes sure she does not exceed. Also, she has no time for checking out tempting stuff at the shopping mall.

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How to Save Money and Avoid Temptations

Saving money and financial management is very crucial in one's life. Money is very important in order to survive in this world but only a few people know how to manage their household budget properly. Many people have a hard time saving money even if it is for their own good. 

Most of the time, you may be motivated to save money but there are times when temptations come your way and before you know it, you have already spent the amount that was supposed to be added to your savings account. Here are some helpful tips on how you can avoid temptations and be able to save money:

1.) Try hard to avoid those things that keep you from saving. If you are fond of buying shoes even if you don't really need them, try very hard to stay away from them. Keep yourself away from shoe stores so that you will not be tempted to buy one.

2.) When going to grocery stores. Always bring the exact amount and bring with you a grocery list. If you have limited money in your pocket when in grocery stores, you will be forced to buy only those important things that you need. Preparing a grocery list will also help you get organized and will help you in deciding the things that need to be prioritized.

3.) Go to the malls only when needed. Do not go shopping if you do not need anything important to buy. Window-shopping will only tempt you to buy the dress you saw in the boutique even if you don't really need it.

4.) Do not bring with you your credit cards all the time. Having a credit card in your pocket will only tempt you to buy things that are not necessary. This will also help you lower your balances and have a good credit score.

5.) You may want to save money in the bank or invest in time deposits. You will not be tempted to get money from the bank every time you need cash, if they are placed in a time deposit account.

6.) You may also want to consider consulting a financial advisor. There are a lot of programs that offer these services for free. They may be able to help you and give you advice on how you can avoid temptations and save more money.

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Rebates: Reward or Rip Off?

Rebates have become increasingly popular in the last few years on a lot of items. Certainly on electronics and computers. Rebates of $20, $50 or $100 are not uncommon.

There are some items advertised as free after rebate. Do these rebates come under the heading of "too good to be true?" Some of them do and there are "catches" to watch out for, but if you are careful, rebates can help you get some really good deals.

The way a rebate works is that you pay the listed price for an item then mail in a form and the bar code to the manufacturer and they send you a refund. This reduces the overall price of what you paid for the item with a time delay of several weeks.

Rule #1. Rebates from reputable companies are usually just fine. You can be pretty sure you will get the promised rebate from Best Buy, Amazon, or Dell. You should probably not count on getting one from a company you've never heard of. If you really want the product and are OK with paying the price listed then buy it, but don't count on actually getting the refund.

Rule #2. Check rebate expiration dates. Many times products will stay on the shelf of a retailer after the date for sending in the rebate offer has expired. So check the date carefully. 

Rule #3. Be sure you have all the forms required to file for the rebate before you leave the store. Rebates will almost always require a form to be filled out, a receipt for the purchase and a bar code.

Rule #4. Back up your rebate claim. Make copies of everything you send in to get your rebate including the bar code. Stuff gets lost in the mail all the time and if the rebate is for $50 it's worth the trouble to back up your claim.

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Coupons for Online Shopping

There are many different coupons and promotional codes available for the online shopper. The most common types of coupons and promotional codes are those which offer a discount on the total price of an order, and promotional codes which offer free shipping on an order. Both of these offers can be financially beneficial to the shopper if he is able to find these valuable offers. There are a number of different ways in which a shopper may acquire coupons and promotional codes for online shopping.

Many online shoppers receive promotional codes for online retailers in catalogs they receive in the mail. These catalogs may include special offers in an attempt to entice the recipient to make a purchase online. The shopper may receive these catalogs because they have made purchased from the online retailer in the past, or because the online retailer is advertising to new clients.

Shoppers may receive promotional codes offering discounts via email. This is common for shoppers who belong to buyer's clubs organized by the online retailer. These types of clubs typically offer promotional codes to regular customers to reward them for their loyalty. This also is meant to encourage the shopper to continue to patronize the online retailer.

Another way for shoppers to find promotional codes for online shopping is via the Internet. There are websites where members frequently post the codes they acquire via catalogs and emails. This is for the benefit of others who may be seeking a discount on a purchase from a particular online retailer. Shoppers can use these promotional codes as long as there are no restrictions on sharing these codes.

Restrictions on Coupons for Online Shopping

Shoppers who utilize coupons and promotional codes should be aware there may be restrictions on the use of these coupons or promotional codes. Common examples of these restrictions include dates of expiration and required minimum purchase to use the discount. Similar to coupons which are valid at traditional stores, online coupons or promotional codes usually have an expiration date and the discount is no longer valid after this date. Another common restriction associated to offers of free shipping is a minimum required purchase. In these cases the consumer must purchase more than a specific dollar amount from the online retailer in order to be eligible for free shipping. Another example of a common restriction on online coupons or promotional codes is a required minimum purchase necessary to receive a discount.

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