15 Amazing Ways to Save Money
Have you ever thought of saving some extra money in your budget? Not only that, also you would be able to afford a real vacation, and at last you would be also debt – free. To solve your this issue we have put our heads together and made some extra effort to come with a list of those 15 amazing ways through which you can actually save some extra money on your monthly income.
Now most of you guys might be thinking and worried about that how should you take a start? If you guys are worried about this thing then stop worrying because here are few steps which will help you to take a start today on your money saving plan.
So let’s get started, just simply stick to us!
Steps To Start Saving Money
The first and most important step of money saving is your mindset because saving money begins with your mindset.
Try to keep your mind away from money saving techniques. We have thought about a budget at an American based finance company named as NerdWallet, as an expenditure plan because saving money doesn’t mean you have to quit spending at all. Saving money means you just have to prioritize some of your financial goals over others.
Here are 4 simple tips depending on how much you want to save.
- Stay Focused On Your Budget
- Daily Money – Saving Tips
- Monthly Money – Saving Tips
- Long-Term Money – Saving Tips
Stay Focused On Your Budget
So are you ready to take a start? We advise you the 50/30/20 budget for smart money management. Now most of people might be thinking that what does 50/30/20 means? So let me tell you that’s the different percentages which you have to dedicate to your different necessities, give me a minute and I will explain that to you. First of all dedicate 50% of your monthly income to all of your needs and from the rest of the 50%, first off all you need to separate 30% from remaining 50% and dedicate it to your wants and remaining 20% to your savings. If you ever feel like that any of your quota is exceeding these percentages then make some adjustments to make them fit to the formula.
Now at this time as you are working towards your financial goals, don’t forget to put your newfound funds in your savings account to maximize your money. There are some best online accounts which pay interest rates 150 times higher as compared to large traditional banks.
Daily Money – Saving Tips
Do you know that simple pinches to your daily routine can produce small savings that add up over time. Check out the tips which I have mentioned below to save on your everyday activities such as grocery, shopping, entertainment and dining out,
- Take Advantage Of An Automated Tool
Digit and Qapital are those 2 apps which will automatically transfer small amounts from your checking account to a different saving account. The working strategy of Bank of America is also same as each time you swipe your card.
- Take Manual Saving Actions
You can also take manual saving actions by emptying your pocket everyday and start collecting that extra change. Now at this time as you have collected your extra change now take that to the and deposit them directly in to your saving account instead of checking account, and if you ever want to watch your savings then instead of using credit cards you should use dollar bills.
- Plan Your Grocery Shopping
A little effort before you go for grocery shopping can actually help you to save a lot on your grocery shopping. Simply check your kitchen cabinets and make a list of groceries you need to shop for, after that use coupons and loyalty programs to make the most of your savings as you shop.
- Order Little Servings At Restaurants
Saving money doesn’t mean that your social life needs to suffer. Eating at restaurants everyday can actually drain your bank accounts quickly, but you can still dine out and also stick to your budget. Make a choice for appetizers or split an entrée with your dining partner to save money when you eat.
- Acquire Discounts On Entertainment
Gain benefit of free days at museums and national park and that will cause you save more on entertainment costs. Other than that you can also ask for discounts for students, senior and military persons and also for other discounts at the time of purchasing tickets for everything including concerts, movies and theme parks.
- Formulate Major Purchases
Record your purchase of appliances, furniture, electronics and other purchases according to annual sale periods, and also don’t buy anything quickly either, also wait for a day or two before buying anything.
- Avoid Online Shopping
Always keep in mind to avoid shopping online. When you shop regularly at a retailer’s website. It is pretty much easy to create an online account to save your billing information. But if you push yourself to input your shipping address and credit card numbers every single time you order then chances are that you will make fewer impulse purchases.
- Create Your Own Gifts
Buying gifts for birthday’s, weddings, and graduations can quickly add up some pretty amount to your bills. Get yourself on DIY track to start saving more on gifts.
Monthly Money – Saving Tips
You might need to do some legwork in order to reduce your frequent payments, but the potential efforts makes a worthwhile. Have you ever thought that how much you could save just by changing your cable package or by refinancing your car loan? Let me tell you clearly that you can save $40 by changing your cable package and $50 just by refinancing your car loan. There are more ways through which you can save more on your monthly expenses so just stick to us.
- Reduce Your Car Payment
Refinancing your car loan can be a great idea because by this you can save at least $1000 or more than that, depending on the time period and interest rates of your car loan. That’s just only one way there are many which you can search on internet.
- Change Your Mobile Phone Plan
When it comes about saving money on your mobile phone then one of the best ways to save on your mobile phone is to change your mobile phone plans. Other than this there are many ways to save money on mobile phones, and for starters you guys may not need the insurance plan and by removing insurance from your plan you will be able to save $100 per year per connection.
- Cancel Unnecessary Subscriptions
First of all unsubscribe that auto – renew option for all those unnecessary services which you aren’t really using, for example unsubscribe to those streaming services and subscription boxes. Doing that will help you to remove at least some of those frequent charges from your monthly statement of your credit card bills.
- Cable TV and Internet
By just changing your cable package to as low as $40 per month you will be able to save more than $1000 over two years by just switching the packages of your cable tv and internet, depending on your carrier and subscription packages.
- Keep An Eye On Your Electricity Bills
Have you ever thought that even little bit ups and downs in your electricity bills can make a big difference on your monthly expenses? So make sure that you are tracking your electricity bills properly. This can make you save a lot on your monthly bills also.
Long – Term Money Saving Tips
To save over a long term to pay for your dream vacation or to make a down payment on your new home don’t just happen easily, it requires a proper planning and discipline. To learn what you need to set your goals to save on long term just simply stick to us and we will show you that how can you make a plan and stick to it to save on long term.
- Record Your Spending
First of all get a piece of paper and pen in your hand and make a record of your monthly expenses to find out where all of your money goes. Now minus your expenditures from your income. This step will make your progress towards your goal a bit easier. To track your cash NerdWallet offers you a free cash which will help you to track your cash easily, and also by this app you can discover new ways to save and even build your credit scores.
- Set Your Saving Goals
Before setting up your saving goals first think of the purpose why and for what you are saving money. For instance, to save for a wedding? Or are you preparing yourself to buy your first home? Keep that purpose in mind always and that will help you to stay motivated and stick to your goals. After that set a realistic and specific goal such as you have to save $5000 in an individual retirement account this year, or to pay off the debt of my credit card more faster. It is okay to take a start by little steps, it would be easier for you and will also help you to stick to your money saving plan.
Here you go guys this was the list of those 15 amazing ways through which you can save more money on your monthly income. So stop wasting time and take an action today and start saving more from today. we would love to hear from you guys so don’t hesitate to drop a comment below to let us know that how these steps helped you out in saving money.
Good luck guys and have a nice day!
10 Best Alternatives of Netflix for Streaming Online
Each and every one of us knows that Netflix is an amazing online streaming option for watching all of our favorite movies and shows on our television, personal computer or any portable electronic device.
At this moment of time Netflix is known as one of the most popular online streaming service along with more than 10,000 TV shows and movies to choose from its library.
Although Netflix isn’t your only choice for streaming your favorite TV shows and movies online, because there are numerous alternatives too some of them are free to join and some of them are paid also that can increase your choices of movies and TV shows completely.
We have put our heads together and have made some extra effort to come up with this list of 10 best alternatives of Netflix which will help you in enjoying more in watching TV shows and movies for less prices.
Let’s get started!
Netflix’s Paid Alternatives
There are many reasons of why people love Netflix but one of them is its price. Just for less than $15 a month, Netflix is offering one of the largest selection of TV shows, movies and many more for skimpy viewers.
On the other hand there are many alternatives of Netflix which can give you the same great benefit including thousands of TV shows and movies for a comparable price, also there are some options which are available for free.
We have mentioned the 10 of the top streaming alternatives below, which will surely help you to find an easy way to save a lot on your monthly television bill.
- Amazon Prime Video
You can actually get a free access to Amazon Prime Video if you are already a member of Amazon Prime, and in case if you are not a member of Amazon Prime then you can get Amazon Prime Video at only $8.99 per month which is still a great deal.
Honestly, I would suggest you to join Amazon Prime and get the Amazon Prime Video option totally for free for the single reason that if you are already a member of Amazon Prime then you get a free two – day shipping on all orders.
Although if you are willing to get the solo membership of Amazon Prime Video then it is still a great deal for TV viewing, because the site offers a large range of movies and TV shows which includes the following:
- Amazon original shows
- Popular TV shows and movies
- Documentaries
- Exercise & workout videos
- A large variety of sports shows
- Kids movies & TV shows
Also one of the great thing about Amazon prime is that Amazon Prime offers a lot more than as compared to Netflix, because Amazon Prime offers roughly 18,000 movies and shows and on the other hand Netflix offers approximately 10,000 shows and movies.
Amazon Prime Video is worth one try at least and especially if you are a regular Amazon store shopper.
- Pureflix
Pureflix is another online streaming service which offers a different selection of movies that only focuses on family friendly & wholesome entertainment for all ages.
Pureflix shares most of the Christian based TV shows and movies and it also provides access to more than 2000 titles currently.
You can subscribe to Pureflix’s monthly subscription as $10.99 per month and if you are willing to buy its annual subscription then it will cost you $99 per year and its new viewers can get their first month totally for free. Also you can view Pureflix TV shows and movie on up to six devices at a same time.
- Hulu
Hulu’s streaming service is so much similar to Netflix in so many ways. Hulu offers thousands of movies and TV shows at a really reasonable price. Hulu’s monthly subscription will cost you only $5.99 per month. Although in this package Hulu shows do come complete with TV commercials. You can watch their shows and movies totally free of TV commercials for the upgraded price at $11.99 per month.
One of the best thing about Hulu’s offering is that they even do air the most current shpws right the day after they play it on prime – time TV whereas Netflix only air the episodes of previous season.
Hulu’s streaming service includes basic TV shows, kid’s shows, movies, sports show and many more, but the thing is that they are limited to stream at only one device at a time.
Hulu With Live TV
Other than Hulu basic package Hulu also offers another upgraded package which is known as Hulu With Live TV. This package is a bit much expensive because it will costs you almost $39.99 per month.
Hulu’s this package includes every single thing which Hulu’s basic package features plus it also includes the ability to live stream more than 50 of the top live and on – demand channels which also includes a range of news channels, sports channels and much more.
- HBO Now
Do you also fall in the category of those people who love HBO favorites like, VEEP or Game of thrones? If yes then HBO Now might be one of the best streaming option for you to go with.
You can get HBO’s monthly subscription for only $14.99 per month, and also they have a student discount package which you can get at $9.99 per month, and in both of these packages you’ll be able to watch all the past and current episodes of your favorite HBO movies and also of their original shows.
The streaming service of HBO Now is supported by the large range of tablets, phones, TVs and also by Mac & windows 7 or with the latest computers as well.
- MUBI
“Cult, classic, independent and award winning films from all around the world” that’s the tagline which you will find on the official website of MUBI whenever you will visit it.
The running strategy of MUBI is a bit different than the many of the other streaming sites. MUBI’s monthly subscription will only cost you $5.99 per each month, but each day they spin out a selection of 30 movies, and they call it as a hand – picked selection of the best films.
So by the implementation of this strategy, each day one film of the list will spin out and a new one will be added in the list, with this films being available for thirty days.
If you have got some interest in classic, cult and indie films then MUBI can be the fun site for you and also they offers both new and old classic movies.
MUBI streaming service is supported by most of the regular devices which includes MAC & PC, iPhone, iPad, Android phones, tablets and many of the smart TVs.
- Sling TV
Sling TV is another alternative of cable which allows you to choose a package of cable channels at more reasonable price.
Sling offers three different packages to its valued customers which includes, The Orange Package, The Blue Package and the third one is the combination of both the Orange and blue package.
- Sling TV Orange Package
The Sling TV Orange Package will costs you $20 per month and it consists of 28 channels approximately, which includes The Food Network, ESPN 1, ESPN 2, ESPN 3, HGTV and many more.
- Sling TV Blue Package
This package of Sling’s TV will costs you $25 per month and in this package you’ll get 44 channels, but the thing is that the channels in package are totally different from the channels which are included in Sling’s Orange package.
Some of the channels of the Sling’s Blue Package are, Cartoon Network, History Channel, NBC Sports, Fox Sports, Bravo & AMC.
Other than the Sling TV Orange & Blue Package you can also get a combination of these two packages for just $40 per each month which will get you a discount of $5 straightway from the actual price of these packages.
The best thing about Sling TV is that they don’t charge you any installation fees or any rental fee, and also you can simply stream from your computer, TV or tablet.
Sling TV is absolutely an up and coming player in the market of streaming alternative with their handsome & attractive packages of cable channel.
Free Alternatives To Netflix
Well earlier today I was doing research for this article and while researching I got quite surprised by looking at the numbers of free alternatives to Netflix which are available for streaming.
In this article we have shared four of the most popular alternative to Netflix which might be available to you and your family to gain advantage from.
- Pluto TV
Pluto TV is an online streaming service which offers free live streaming of more than 75 channels, including genres like Comedy, News, Entertainment, Geek & Gaming, Music & Radio and much more and with this much options you’ll probably never get bored on Pluto.
Pluto TV is supported with a variety of different devices which includes MAC, Windows PC Computers, Apple devices, Android devices and with numerous types of smart TVs.
I was actually cordially surprised when I found fun channels on Pluto like the MST3K channel, the Classic Toons Channel and the Classic TV Channel and not only that, Pluto has its own TV channel as well.
Honesty speaking this was the free streaming option that has offered the most variety to me.
- Popcorn Flix
Popcorn Flix is one of the most popular free streaming sites out there. Popcorn Flix have the vast range of genres to offer which includes drama, comedy, family – friendly movies and documentaries.
Honestly speaking I didn’t found much to be impressed about while browsing through the family/kids section, and the reason behind that is they have a lot of choices and most of them were cartoons about which we’d never really heard of.
Tip: Popcorn Flix actually have a nice variety of films in each genre, even in the documentaries section Popcorn has an abundance of mature audience films.
- Snag Films
Snag Films is a free online streaming site that captivates more than 2,000 movies, documentaries, TV shows and comedy shorts.
Snag Films shows genres are much different than what you will find on the most of the streaming sites, few of them are mentioned below.
- Athletes & their triumphs
- Youth & Education
- Immigrant & Refugee stories
- Human rights & justice issues
Other than the above mentioned genres, Snag Films genres also includes Military and the Veterans, History lessons & Political Battlegrounds. In simple words there’s actually a lot to watch on Snag Films, and most of its stuff is of those kind which you’ll probably won’t find anywhere else.
However, most of the stuff they share is educational based but you will still find some stuff from the entertainment category on this site.
Snag Films also offers a low – range of comedy shorts, nature and wildlife shows and family – friendly shows.
As I have told you before that most of the stuff which is on this site you’ll probably won’t find anywhere else, and honestly it was actually so nice to see many titles about which I’ve never heard of.
If you are willing to stream a bit differently from the others then Snag Films can be a good site to take a look on.
- Crackie
Crackie is an online site which allows you to stream online for free but to watch all of your favorite movies & TV shown then you’ll need to sign up to their site to gain benefit from their free streaming services.
Crackie also features old television series offering including 227, All in the Family, Malcom & Eddie, Who’s the Boss and some of the other classic series shows like Seinfeld & Walker Texas Ranger.
Other than their show series, their movie collection is also impressive as their collection of movies which includes So I Married an Axe Murderer, Mission Impossible III, Hidden Dragon and Crouching Tiger. However we know that their selection of movies and TV shows isn’t that massive but the thing is that what they do offer is comparatively good and also you can’t complain too much when it is for free!
So guys this was the list of those 10 best alternatives of Netflix which you can use for streaming online. At the end we would only say that we would love to hear from you so simply drop a comment below and share your experiences with us.
Good luck & have a nice day!
3 Best Apps Which Gives You Free Gift Cards
The truth is that each and every one of us loves to earn some extra cash from our daily habits and hobbies. Either it’s a cash or the next best tantamount, gift cards.
Are you using any of these applications to earn free gift cards?
If NO, then you can start getting paid for doing those activities which you are already doing online. If the idea of getting paid for doing those activities which you are already doing online sounds amazing then you need to stick to us and take a look on these apps.
Let’s get started!
1. Swagbucks
With Swagbucks you can easily make money by completing a large variety of tasks. You can also earn free gift cards with Swagbucks and here are some of those ways through which can earn free gift cards from Swagbucks.
• Surfing the web
• Shopping online
• Completing surveys
• Watching videos
• Playing games
• Testing new products
You will earn reward points in return for completing every single survey with Swagbucks. The points you will earn as a reward for completing surveys can be redeemed for gift cards for your favorite restaurants and stores for $3 only, and not only that because you can also redeem your points for PayPal cash.
2. Pinecone Research
Pinecone Research is another survey site that allows you to connect with the other users. Each and every time you will test a product, complete a survey and collaborate with the other Pinecone Research members you will earn points in return for completing these tasks.
Pinecone Research is also known as one of the largest survey apps and it is routinely partner with some of the most well – known household brands like CBS, Disney, Expedia and Proctor & Gamble.
If you are willing to be a brand influencer then enjoy collaborating with other members online and having the possibility to win weekly prizes and earn free gift cards.
Pinecone Research might be the great option for you!
3. Earning Station
If you are a habitual user of Earning Station and you want to earn bonus because you use the application on the routine basis then consider that the luck is on your side because Earning Station offers an Earning Streak bonus.
You can simply earn a dual bonus by visiting Earning Station consistently for 10 – days up to quadruple earning bonus by visiting back to back for 50 – days and completing numerous daily tasks such as participating in the daily poll, survey, video and email.
Apart from all of the other daily points possibilities, you’ll be also able to earn reward points by completing the below mentioned offers:
• Playing GSN games
• Entering bonus codes
• Reading sponsored email
• Shopping on Groupon
As soon as you will reach the $10 limit you can also start redeeming your points for gift cards.
According to an announcement of Earning Station, there are many members of Earning Station who earns more than $100 a week through all of the regular offers.