Saving Money - How to Manage Money

Money Saving Tips - How to Manage Money

What should you do with your hard earned cash? There are many choices we face on a daily basis that can create confusion and can point us in in a different direction at any time. There are many things that we should and shouldn't do with regards to our finances and how to manage money. Let's go through some of the more important ways to start saving and put your money where it belongs.

1. Understanding when you should stop

The issue most people face when knowing how to manage money is knowing when you should stop. This may be a somewhat vague statement but I'll help clear that up. Understanding when you should stop can pertain to all kinds of different parts of your finances. You should know when to prevent buying things on each day, week or month and that all comes down to budgeting. You must understand when to stop investing in each part of your financial portfolio and start in another. You must understand when it is time to stop using the credit card and begin to buy with real money. These 'stops' are of vital importance to our financial success and there are many more. Every situation is unique and you need to go through some of the trouble areas in your financial life to discover where you need to stop. It could be you are paying too much for for your telephone and web service. You need to know when enough is enough and put an end to cash wasting services or purchases. The amount of money you will save if you know when to the draw the line will amaze you.

2. Eliminate Impulse Buys

All stores rely on impulse purchases more than any other item sold. They will draw you in with a great deal on several things in their flyer. You end up getting those items up but while you shop you purchase several other things that were not on the list. All of us can be sucked into the impulse buys when we go to the mall, convenience stores or the grocery store. Often times we don't know we've made an impulse buy. If you chew gum, have an issue of 'Cosmo' magazine on the coffee table or have fuzzy dice dangling from your car mirror it's likely you have made an impulse buy. We make impulse buys on an almost daily basis. Those purchases empty our wallet and savings account of a lot of cash. Here's an example of how much you can spend: If you pack of breath mints {per|each|every| week you are spending about $78 every year. Throw in one magazine each week, a Starbucks coffee every day, a chocolate bar every two weeks etc. It's not hard to do the math you'll figure out that we spend thousands of bucks each year on these items that we didn't plan on buying. If you avoid them you'll easily save thousands of dollars for your retirement plus you will know the basics of how to manage money.

3. Plan Ahead

Planning is key when dealing with your finances. If we go around without putting any thought into where our money is going there is a high likelihood that it will all be gone after a couple of weeks. They key tofor solid financial planning is planning ahead.

My Step by Step Advice:

1st: Know how much every guaranteed monthly expenses are and place aside that sum from your paycheck. Those items include electricity, cable, car payment etc.

2nd: Set aside $25 (or more) every week that will go into your emergency fund.

3rd: Make a meal plan and then do your weekly grocery shopping. If you have all the food you need in the house it will prevent you from going to the corner store to buy a loaf of bread for $4.

4th: Budget no more than 10% of your paycheck for weekly spending. If you spend that 10% by Monday then you don't get any more. Don't dip into next weeks budget and don't let last weeks budget roll over into the current week.

5th: Make a financial goal at least once a week. If you want to go south this March, create a goal to make that dream come true. If you want to own a house next year, start making that goal happen. If you want to save an extra $20 a week, figure out a way to make it happen. This will show you how to manage money and get you on the right track to your financial freedom.

Should you go out and spend your money with reckless abandon or save wisely? I'm pretty sure you know the answer to that question. Managing money isn't as hard as you think and can be easy to save for the retirement, house or vacation you've always dreamed about. You simply need to understand when enough is enough when it comes to spending. You also need to stop impulse purchases. The last thing is good financial planning. If you make an honest effort at making those 3 things happen, you will be close to knowing how to manage money better.

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The Wallet Or Money Clip

Women had always been blessed with a wide variety of selection when it comes to carrying their money with them. They can choose to keep their cash and credit cards with the use of wallets, purses, or money bags and so forth. Men, on the other hand, used to have one choice alone and those are wallets.

Today, however, a new kid on the block has entered the picture; now, men can choose between two things to help them keep their money safe and accessible at all times: wallets and money clips.

The Advantages of Using Wallets for Men

Wider Variety of Selection - There are more designs to choose from with wallets as compared to money clips. Firstly, consider the size. Men's wallets can either be square shaped - which generally makes a perfect fit with a man's back pocket - or rectangular shaped, which male users prefer to place inside their coat pockets. Secondly, consider the materials used. Wallets can be made of genuine leather, plastic, or other types of fabric. Thirdly, consider the design itself. Wallets made by Polo, for instance, are famous for their green and black plaid design. Also, it's important to consider that there are various wallets that are specifically designed to appeal to children.

Non-Cash Item Storage - Wallets have undergone a huge amount of transition throughout the years, evolving in appearance and features to make it more useful to men's ever changing needs. Now, men's wallets can also store credit cards, photos, driver's license and other pertinent IDs, calling cards, and even small change, depending on the design of the wallet.

The Disadvantages of Using Wallets for Men

An Unappealing Bump - Wallets virtually bursting on the seams will create an unappealing bump on your back pocket, thus distorting your appearance from behind. As such, if you wish to make your wallet a seamless part of your pants, you need to decrease the amount of cash and other things you've placed in it.

Tendency to Lose Form and Shape - If you make a habit of placing your wallet in your back pocket and sitting on it, time will gradually make your wallet lose its original form and shape.

Wear and Tear - Wallets are more prone to wear and tear than money clips because of the types of material used to make them.

The Advantages of Using Money Clips for Men

Better Accessibility - There's no need for you to flip it open and close just to get your money. When you have to use your money, all you simply have to do is pull out appropriate bills from the clip.

Durability - No matter how much you sit on them, money clips ' because they're made of steel ' will never lose its shape or be prone to wear and tear.

The Disadvantages of Using Money Clips for Men

Poorer Selection - Unlike wallets, money clips give people a rather limited variety of styles, materials, and designs to choose from.

Either choice is acceptable and the winner in the battle between wallets and money clips will always and ultimately depend on the person's preferences. Of course, if you have a hard time choosing between the two then you can always decide to purchase both. There are after all certain situations where one will be more advantageous to use than the other and owning them both will thus keep your money safe for any eventuality.

Find The Best Money Clip for your needs, or the proper Wallet Money Clips, read more about Money Clips at http://moneyclips.advice-tips.com

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Clever Ways to Make Extra Money

The truth is that there are a lot of clever ways to make extra money. Some of them are self-serving and take advantage of others, others are genuinely beneficial to everyone. So, while thinking of clever ways to make extra money, it is important to think about how each of these options will last in the long run. After all, you want to make money for a long time, not just until you get caught.

The internet is full of clever ways to make extra money. If you were to search in Google for "make money" you would get 111,000,000 options.

Common ways to make money

Paid Surveys - Companies offer you rewards to respond to surveys. These rewards are anything from points to cash, some cash rewards being as high as $50. Sounds good, right? In my experience the surveys are infrequent at best (at least, too infrequent to make a decent amount of money) unless you happen to be in the right demographic (usually wealthy enough to not be doing paid surveys).

Instant Wealth Programs - Anything offering you an instant way to get rich is probably not going to get you rich. It will, however, make the person you bought it from rich (and that is the hidden secret "that nobody tells you" to getting rich). Clever for them, not so much for you.

Online Auctions - If you have a product to sell this is a good option to use. If you want to try and find good deals, that you can then resell later, it is a little tricky unless you know your items and have a good sized investment to start off with. This is one way to make money that requires you to be extremely clever.

E-Books on Making Money - There are some real gems out in the e-book world. In fact, most of these books are pretty reasonable in price and offer some good information. Remember though, the internet is changing constantly and soon the lessons in that e-book will be obsolete. You could go out and buy another e-book, but then you would run into the same problem again and there's nothing clever about that.

Affiliate Marketing - Millions of people all over the world are looking for millions of products to buy. They are looking for reviews, tips, tricks, and secrets to all sorts of topics that you could provide for them. Affiliate marketing is basically bringing the customer (who is already looking for this product) to the product (who will then pay you for bringing the customer). There are a lot of ways to do affiliate marketing; websites, email, forums, or articles. There are infinite ways to use this form of marketing.

Article Marketing - By far one of the most clever ways to make extra money that I know of. There is no investment and it builds residual income as you go. People are looking for information all the time and you can provide it for them. The key is finding what they're looking for and you have to be very clever to do that.

The little tricks in article marketing are what really make the difference between a few sales and a lot of sales. Visit http://www.squidoo.com/writearticlesmakemoney for some FREE advice.

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Ways To Make Money Online For Teens

Making money online seems too good to be true. Making millions of dollars in just a few minutes a day is probably impossible, but making money online is a very attainable goal. No, you probably won't make millions in a month, but it is possible to make a few bucks or, if you work really hard, a full time income.

If you want to make money online, you need to know what to look for. There are programs that can make you some extra cash or ways to make some serious income. You can start your own business, but if you have no experience on the internet and don't have any money, it might not be the best place to start.

If you want to make money without starting your own business, there are many ways to do so. There are tons of websites that claim they will make you money. Some will and some won't. You can write articles and be paid for each article or for each view, you can get paid to take surveys, or you can get paid to fill out offers. If you love to write, I would suggest joining a program that pays you to write. Some of the best article writing sites are Associate Content and Helium.

Associated content pays you $3 to $20 per article if it is approved. You can still get it published even if it's not approved and approved or not make $1.50 per 1,000 views. If you have several articles, you can get more and more page views and get paid more money. Helium is a little different. They only pay you for page views. It has a unique feature where you rate other articles. You can choose a topic and write about it, even if 100 people already wrote about it. You can write informative articles or even short stories. Other writers rate the articles and the closer you are to number 1, the more page views you will get and the more money you can make. They also have a marketplace where you can sell articles for $16 or more.

If you aren't much of a writer, there are lots of great get paid to programs, also known as GPT programs. You sign up for different offers by filling in your email and other information. They pay you 50 cents, $1, or more for each offer you do. Some offers are free trial offers that can pay you up to $20. You can do credit card offers, or you can do just free offers and still make a lot of money. My favorite GPT sites are Cashcrate and Swatcash. If you put in the time and really try, you can make as much money as a part time job but without the boss and strict hours. Click on the link in my author bio box to learn more about how you can make money from these sites.

Making money online sometimes seems too good to be true, but it is possible. You just need to know where to look. Once you've found the right program, you can start making money online today. Give it a try!

Samantha is currently attending college for a degree in accounting and likes to write about money management to teach others how to stay financially sane in a world where debt is overwhelming and money management skills are lacking. To learn more about money management and ways for teens to make money, visit her website. Also, check out more ways to make money online.

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Numerology's Money Number - How Will You Do Financially In Life

Want to know how you can best make Money in life, how you'll do financially? Numerology can tell you how you are best suited to deal with Money in your life. We just need to find your Money number.

Calculating your Money Number

Your Money number comes from a specific branch of Numerology called Yantra or Magic Square numerology. It consist of constructing a Magic square using your birth date numbers, and then interpreting the values in the specific boxes in the square.

Your Money number is found by taking day of the month you were born on, adding (1), then reducing the result by fadic addition.

For example, actor Johnny Depp was born on June 9th, 1963; so his Money number would be calculated as follows:

Money number = (Day of Birth Month + 1) = (9 + 1) = (10) = (1)

The Money number values and their meanings are listed below.

Money Number (1)

You like complete control of your money. You don't mind some hard work as long as you are well paid for it. You may decide to work for yourself; be your own boss, in order to really control the money you make.

Money Number (2)

You have very strong intuition when it comes to decisions about money; both making it, and spending it wisely. You can tell if a proposal is good or bad even when the data suggest otherwise. Note that it may take a while for you to learn to trust your instincts.

Money Number (3)

You can talk your way to money. You have strong communication skills which you can turn to for a living. You would probably make a good salesman, entertainer, or life coach. You have no problem coming up with money making ideas, but following through on them is difficult.

Money Number (4)

You are attracted to conservative career choices. You will happily work your way up the corporate ladder to a position of trust and responsibility. You expect to work long and hard for what you get, and take pride in each stop along the way.

Money Number (5)

You are drawn to careers involving buying and selling; making deals. You love variety in your work, and will probably change careers several times in your life. You like being your own boss; and hate being coached and told just what to do in your work. You will try to find a job where you can travel a lot.

Money Number (6)

You must have a stable job in order to be happy. Job security is key for you; you dread not being employed, or having a steady income. Your actual job is not that important to you, for your family always comes first in your life. You will probably receive some kind of money from your family during your life, perhaps an inheritance of some kind.

Money Number (7)

You want to work in a technical job; one related to science or research. You love the study and problem solving involved in you work. You seldom earn great wealth from your work, for you place job satisfaction ahead of financial gain.

Money Number (8)

You are good at making money. You will either be self-employed, or hold a high position in someone else's company. You focus your energies on making money; like it perhaps too well. You need to make sure and develop some other interest in life so your work won't consume you.

Money Number (9)

You like to work for humanitarian causes and organizations. Your desire to help others can cause you to be overly generous when it comes to giving of your time and money. You see money as simply a means to an end; only having value for what it can do for people.

Money Number (11)

You can market your ideas and make money. You usually need a partner to push you to do your best work. You tend to do well in creative fields: writing, composition, or editing work. You also do well in humanitarian areas such as education and social services. You don't do well working in business or finance.

Money Number (22)

You have the ability to make as much money as you wish; provided you are working at something you believe in. You do your best work when you believe that what you're doing will benefit humanity as a whole. You can't stand to work for selfish ends for long.

Keith Abbott is the developer and owner of 'Numerology 4 You' where you can order your own Numerology reading, including your personal Lucky Numbers. Visit him on the web today at http://www.numerology4you.com

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Double Your Money in a Week

Believe it or not, it really is possible to double your money in a week. The key is to keep an eye out for investments that have a quick turn around.

One idea I've seen work for people is buying a large mixed lot of things to resell. These could be books, clothing or electronics. Usually there will be quite a few things included that won't sell for a ton of money. However, if you buy a large mixed lot it's very likely there will be a few items you can sell for a large profit. If you list the items for sale immediately, within a week you can see a return that will double what you've invested.

Another option is to purchase inexpensive products that you can personalize. People are always willing to pay a little extra for something that is really unique. For example, you could purchase plain t-shirts and buy a t-shirt customizing kit. You could then find a festival or sporting event happening in your area. If you customize the t-shirt to the event, you will find tons of people who will love to buy your homemade shirts. This takes a little time but you can easily mark-up your products and sell them for a huge product.

The key when looking for ideas to double your money in a week is to find things that can be sold quickly and for considerably more than you bought them for. With a little creativity, anyone can do it.

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Virginia Unclaimed Money - Millions In Lost Assets

The Commonwealth of Virginia is waiting for citizens to come forward and claim their lost money. The state currently sits atop a heap of VA unclaimed cash totaling in the tens of millions of dollars. More than $27 million was returned to Virginians in 2005, but that's only a fraction of what is available for claim.

Virginia, like every other state, continues to take in more unclaimed money than it doles out, primarily because most people simply are unaware of these funds, and those that are aware, don't know the proper way to locate them. There is a right way and a wrong way to search, and sadly most people haven't been taught the right way.

According to the Unclaimed Property Division of the VA Department of the Treasury, Virginia unclaimed money comes from a number of sources, which include (but are not limited to): "savings and checking accounts, wages or commissions, underlying shares, dividends, customer deposits, credit balances, gift certificates, credit memos, refunds".

A person doesn't have to currently reside in Virginia to be owed unclaimed funds, especially since most accounts must be dormant for 1 to 3 years before they're turned over to the state, and laws governing other types don't require that they be turned over for 7, 10, even 15 years! Leaving the state doesn't mean you've forfeited the money by any means.

In addition to people who've moved out of state, others may have never lived in Virginia. For example, some folks work for companies that have their headquarters in VA. Additionally, insurance companies are often based outside of the state of the insured person. For these reasons, things like stocks, premium overpayments, and refunds might exist as unclaimed cash in Virginia, even if the rightful owner has never even visited the state!

People who live in Virginia should also search in other states where there's a chance they're due a claim, for the same reasons that people who don't live in VA should search the Commonwealth's records.

There are a number of roadblocks that often prevent people from tracking down their missing money, but they mostly boil down to being uninformed about the best way to search. Not only do most people get in their own way by searching only one state, usually the one they live in, but they also tend to search once and call it quits.

As was mentioned earlier, each type of Virginia unclaimed property, and unclaimed property in all other states, have their own unique "dormancy periods" (years that must pass before the funds are turned over to the state to hold until you claim them). In addition to some property types having long dormancy periods, states don't update their searchable databases in real time, which means if the state is holding your funds, you may not find a record when searching, if they haven't added it to their system.

If a person searches their name on Monday, but the Virginia Department of Unclaimed Property didn't get around to adding the record of their funds until Tuesday, or the following week or month, the search might return a false negative.

These are just a few of the issues that often stand in the way of people trying to find VA unclaimed money for the first time, which is why it is imperative that you find someone with experience in this field to guide you through the process to find all possible claims.

Unclaimed money and property expert Russ Johnson has been assisting Americans in finding their unclaimed money online since 1997. His site is http://www.unclaimedmoney.net which is updated regularly and offers guaranteed official searches for Virginia unclaimed money and missing money across the country.

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