DOLLAR$ AND $ENSE
Tuesday, October 18, 2011
5:23 AM
LESSON11-How To Save Money By Eliminating 10 Things You Don't Need
Expand the description and view the text of the steps for this how-to video.Check out Howcast for other do-it-yourself videos from BARKBARK and more videos in the General Personal Finance category.You can contribute too! Create your own DIY guide at http://www.howcast.com/videos/new or produce your own Howcast spots with the Howcast Filmmakers Program at http://www.howcast.com/filmmakers/apply.Check out these relatively painless ways to cut back on your expenses.To complete this How-To you will need:Self-disciplineSacrificeOpen-mindedness
Step 1: Ditch the paperStop buying unnecessary paper products. Use cloth napkins, mop up spills with dishcloths and rags, write shopping lists on the back of junk-mail envelopes, (and stick your coupons inside).
Step 2: Give up bottled waterGive up bottled water; almost 40 percent of it comes out of the tap anyway. If you don't like the taste of your local water, use a filter.
Step 3: Buy less foodBuy less food. The average American throws out 25 percent of the food they buy. Start monitoring what you're trashing so you can make better choices when you shop, and make an effort to eat food before it goes bad.
Step 4: Cut the phone lineGet rid of your home phone if you have a cell phone.
Step 5: Cancel your gym membershipCancel your gym membership. Jogging, stair-climbing, jump-roping, hula-hooping, and dancing are all free, and that's just a partial list of what you can do to stay fit.Tip: Canned goods and old milk jugs or detergent bottles filled with water all make good hand weights.
Step 6: Forgo the fast foodForgo the fast food. If you really have a hankering, recreate the meals at home; all those "secret" recipes are online.
Step 7: Drop cableDrop your cable subscription. More and more television shows are available online, and you can even hook your computer up to your TV set for the ultimate viewing experience.Tip: If you're subscribing to cable TV all year just for one or two premium shows, it's cheaper to wait and rent the entire season on DVD.
Step 8: Pass on those jeansPut down the new jeans: If you're like the average American, you've already got about eight pairs and wear only two of them anyway.
Step 9: Don't buy new jewelryDon't pay the 100 to 400 percent markup on jewelry. Buy baubles for yourself and gifts for others at pawn shops and estate sales instead.
Step 10: Cut down on supplementsGet rid of unnecessary vitamins, unproven supplements, and worthless cleansing or fasting products. Ask your doctor what you should be taking.Thanks for watching How To Save Money By Eliminating 10 Things You Don't Need! If you enjoyed this video subscribe to the Howcast YouTube channel!
CREDITS TO HOWCAST!
Expand the description and view the text of the steps for this how-to video.Check out Howcast for other do-it-yourself videos from BARKBARK and more videos in the General Personal Finance category.You can contribute too! Create your own DIY guide at http://www.howcast.com/videos/new or produce your own Howcast spots with the Howcast Filmmakers Program at http://www.howcast.com/filmmakers/apply.Check out these relatively painless ways to cut back on your expenses.To complete this How-To you will need:Self-disciplineSacrificeOpen-mindedness
Step 1: Ditch the paperStop buying unnecessary paper products. Use cloth napkins, mop up spills with dishcloths and rags, write shopping lists on the back of junk-mail envelopes, (and stick your coupons inside).
Step 2: Give up bottled waterGive up bottled water; almost 40 percent of it comes out of the tap anyway. If you don't like the taste of your local water, use a filter.
Step 3: Buy less foodBuy less food. The average American throws out 25 percent of the food they buy. Start monitoring what you're trashing so you can make better choices when you shop, and make an effort to eat food before it goes bad.
Step 4: Cut the phone lineGet rid of your home phone if you have a cell phone.
Step 5: Cancel your gym membershipCancel your gym membership. Jogging, stair-climbing, jump-roping, hula-hooping, and dancing are all free, and that's just a partial list of what you can do to stay fit.Tip: Canned goods and old milk jugs or detergent bottles filled with water all make good hand weights.
Step 6: Forgo the fast foodForgo the fast food. If you really have a hankering, recreate the meals at home; all those "secret" recipes are online.
Step 7: Drop cableDrop your cable subscription. More and more television shows are available online, and you can even hook your computer up to your TV set for the ultimate viewing experience.Tip: If you're subscribing to cable TV all year just for one or two premium shows, it's cheaper to wait and rent the entire season on DVD.
Step 8: Pass on those jeansPut down the new jeans: If you're like the average American, you've already got about eight pairs and wear only two of them anyway.
Step 9: Don't buy new jewelryDon't pay the 100 to 400 percent markup on jewelry. Buy baubles for yourself and gifts for others at pawn shops and estate sales instead.
Step 10: Cut down on supplementsGet rid of unnecessary vitamins, unproven supplements, and worthless cleansing or fasting products. Ask your doctor what you should be taking.Thanks for watching How To Save Money By Eliminating 10 Things You Don't Need! If you enjoyed this video subscribe to the Howcast YouTube channel!
CREDITS TO HOWCAST!
4:55 AM
LESSON 10-A tidbit to save money
Here's something you can share with your parents!
Here's something you can share with your parents!
Tuesday, September 20, 2011
1:20 AM
LESSON 9-BUY IT OR NOT
RESIST BUYING ON IMPULSE. RESIST LETTING YOUR THOUGHTS GAIN CONTROL
ANSWER these questions before purchasing what you want:
1. Do I really need this item?
2. If I don't need it, why do I really want it?
3. Am I sure that I'll use it? Wear it?
4. If I buy it now, will I have enough money for other things I might need later on – this week, this month, next month?
5. Will this purchase take money away from paying off any debts I owe?
6. Is there any risk in delaying this purchase in order to think about it longer?
7. What are the chances this item might go on sale soon?
8. Could I find this item somewhere else cheaper?
9. Could I find an item like this, but without a brand name? It will probably cost less.
As such, you will be able to purchase things that YOU REALLY NEED and not WHAT YOU WANT. You may also get things at CHEAPER AND MORE AFFORDABLE PRICES.
RESIST BUYING ON IMPULSE. RESIST LETTING YOUR THOUGHTS GAIN CONTROL
ANSWER these questions before purchasing what you want:
1. Do I really need this item?
2. If I don't need it, why do I really want it?
3. Am I sure that I'll use it? Wear it?
4. If I buy it now, will I have enough money for other things I might need later on – this week, this month, next month?
5. Will this purchase take money away from paying off any debts I owe?
6. Is there any risk in delaying this purchase in order to think about it longer?
7. What are the chances this item might go on sale soon?
8. Could I find this item somewhere else cheaper?
9. Could I find an item like this, but without a brand name? It will probably cost less.
As such, you will be able to purchase things that YOU REALLY NEED and not WHAT YOU WANT. You may also get things at CHEAPER AND MORE AFFORDABLE PRICES.
Thursday, September 15, 2011
12:34 AM
LESSON 8-A QUIZ TO FIND OUT WHAT KIND OF SPENDER ARE YOU
To start managing your POCKET MONEY, you'll have to find out what kind of spender are you!
So this is a quiz for you to try out:
http://www.kiplinger.com/quiz/shopper/
Now, you know what kind of spender you are and hence, you'll have to improve on yourself!(:
To start managing your POCKET MONEY, you'll have to find out what kind of spender are you!
So this is a quiz for you to try out:
http://www.kiplinger.com/quiz/shopper/
Now, you know what kind of spender you are and hence, you'll have to improve on yourself!(:
Sunday, September 11, 2011
12:27 PM
LESSON 7-KEEPING A MONEY DIARY
Create a simple money diary yourself to track your expenses and your savings. With this handy and portable money diary, you will be able to know exactly how much you have spent and limit your expenditure accordingly. By keeping track of the funds you have, you will be better able to prevent overspending on unnecessary items!
Do REMEMBER TO DATE YOUR ENTRIES as by dating it you will then be able to know how much you have spent each month!
Create a simple money diary yourself to track your expenses and your savings. With this handy and portable money diary, you will be able to know exactly how much you have spent and limit your expenditure accordingly. By keeping track of the funds you have, you will be better able to prevent overspending on unnecessary items!
Do REMEMBER TO DATE YOUR ENTRIES as by dating it you will then be able to know how much you have spent each month!
Friday, September 9, 2011
11:26 AM
LESSON 6-OTHER BANKING CHOICES OFFERED FOR CHILDREN WITH OTHER BENEFITS
OCBC:
http://www.ocbc.com.sg/personal-banking/family/family_youngsavers.shtm/
UOB:
http://www.uob.com.sg/personal/deposits/savings/junior_savers_account.html/
Friday, August 19, 2011
11:14 AM
LESSON 5-SAVINGS PLAN FOR KIDS FROM POSB
http://www.dbs.com/posb/deposit/landing/default.aspx
These are the various schemes offered by POSB for kids to save money and earn their money in terms of interest. Parents can share with their children about how they are going to set up a savings account for them and perhaps propose to contribute a dollar for a dollar to encourage kids to save. This will greatly help in their saving process.
http://www.dbs.com/posb/deposit/landing/default.aspx
These are the various schemes offered by POSB for kids to save money and earn their money in terms of interest. Parents can share with their children about how they are going to set up a savings account for them and perhaps propose to contribute a dollar for a dollar to encourage kids to save. This will greatly help in their saving process.