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Managing the Household in an Economic Crisis – Some Great Money Saving Ideas

Managing the Household in an Economic Crisis – Some Great Money
Saving Ideas
By Nirjara Rustom

A penny saved is a penny earned. This old saying has tremendous
value, especially in the current economy. Unless you have money
to burn (so what if you really do) there’s no harm in saving a
bit for a rainy day. And if you’re really strapped for cash and
live in a hand to mouth fashion, these tips that I’m about to
give you will really be a blessing for you. While the individual
amounts may not be so substantial, there are some nice tips
which, when taken advantage of, will add up to a nice chunk. So,
let’s get started!

1. My first tip is a two in one tip – set goals and start
planning. By goals, I mean that you should first make a list of
your short term, intermediate, and long term goals. This will
help you plan wisely. Also, each short term goal that you reach
will encourage you to save more and accomplish the next goal.
“Reason why” you need to save is a powerful motivator. Next,
whenever you go shopping, make a list of all the things you wish
to buy and control your desire to buy anything else unless you
will require it in near future and it is currently available at
a bargain. Failing to plan in advance will lead to impulsive
spending. In fact, it would be best to leave your credit card at
home and come with limited cash, so you don’t give yourself any
excuses!

2. My next tip actually costs more money but is a great saver
in the long run – buy reusable stuff. Rechargeable batteries,
artificial flowers, artificial Christmas tree, etc cost a little
more initially but save a lot of money in the long run.
Unfortunately, use and throw seems to be more of a norm these
days – I know folks who use paper dishes at home to save them
the bother of washing!

3. This tip will also need you to spend more initially – buy in
bulk. I cannot emphasize enough how important this is. If you’re
planning to buy non perishable goods (like soap), you should buy
in as large a quantity as possible and affordable, depending on
the maximum bulk discount available. You should also prefer to
buy stuff that come in larger quantities per unit. For example,
if you plan to buy washing machine powder, you will notice that
small packages are comparatively more expensive. This may not
always be true, so it makes sense in keeping a calculator
whenever you go shopping, if you’re math is not good enough.
Divide the cost by the weight /number of pieces for each
different variety of packages and you will know how much the
difference is. For perishable goods, be careful and buy the
largest quantity possible that will be consumed before getting
perished. Don’t overbuy to an extent that you have to throw away
the last remains, unless it is still worth! A good idea is to go
shopping in groups so that you can buy in bulk. Prices of some
items fluctuate seasonally, so try to stock up at that time.
Prepare to save enough cash reserves in advance for such
situations by making notes in your calendar.

4. Always visit the clearance racks first whenever you go
shopping. Sometimes it may take a little more time to search for
the right items but the savings will be worth it. You can also
get good bargains at thrift and surplus stores.

5. Reducing wastage is also a big one. There are many things
you can do to avoid wastage; things like switching off lights,
fans and other electric appliances when not required (especially
when you’re moving from one room to another), switching off a
car when you need to wait for over a minute at the traffic
signal, paying bills on time to avoid late payment fees,
avoiding delay in dental treatment, using the washing machine
only when it is full, using up credit card reward points and air
flier miles on time to avoid their lapse, paying off debts on or
before time whenever you can to avoid excess interest, keeping
your house properly insulated to avoid excess use of utilities
like air conditioner and room heater, canceling subscriptions to
magazines which you read sparingly, selling suff you no longer
need on ebay, etc are some great ways to reduce wastage.

6. Buy stuff of good quality, especially durable items. Don’t
go shopping vegetables with plastic or paper bags which will
last only once or twice; use cloth bags instead. You even save
the risk of the bag getting torn in transit, causing
embarrassment and possible damage. Also learn to extend the
durability of stuff like covering electronic items with dust
free covers, using anti-moisture products in appliances and
places of high moisture, to reduce corrosion; powder coating
aluminum slides, regularly oiling mechanical parts, etc.

7. You can also save a lot when going for a movie, if you’re a
die hard movie fan. For example, you can go for a matinee show
or one where the tickets are cheaper, look out for discounted
tickets normally found online, bring your own popcorn in an
opaque plastic bag placed in a large purse, wear jeans with
large pockets and stuff them with snacks and chocolates, etc.

Finally, allow yourself to splurge once in a while! Saving is
good, but don’t be a permanent miser. Total deprivation can
sometimes lead to overindulgence, just like dieting. You should
also understand the difference between a “need” and a “want”.
Buy only the things that you need, not what you want.

About the Author: Nirjara Rustom moderates the House Hold
Section of http://www.bharatbhasha.com at
http://www.bharatbhasha.com/house_hold.php - a free informative
resource.

Source: http://www.isnare.com

Permanent Link:
http://www.isnare.com/?aid=330187&ca=Family+Concerns

Middleclass is about to become extinct

Once upon a time there were many classes of people in our society according to finances. They were upperclass, middleclass and lowerclass. And in addition, there was the additional level to the three mainstream classes of living such as: upper and lower of upper class, upper and lower middle class, and even upper and lower - lower class. However, gone are those days, and unfortunately even the the levels of classes of the mainstreem classes of living have even dwindled away. We have been reduced to what seems that of either an upper class or lower class. We do still seem to have some of the levels of the upper and lower class levels of living though. We seem to have the rich and the poor, and whatever end you may fall on of those two levels...the upper or lower end.

Along with the fading of the class levels of living is human interaction and respect that took years to build and achieve. It's as though we are resorting back to those years of when the tragic Titantic sank, and although there were many reasons for the high death toll that certainly could have been prevented, but nevertheless, when many of those that died that horrible cold frigid night in April just because they weren't considered first class people. I would seriously hate to even remotely think we would let our world desend back into that disrespectful, shameful and evil behavior.

There was a time when my family was considered to be middle to lower middle class, but now, in retrospect, I would have to say we are definately lower class now. The one thing that gripes me the most is HOLLYWOOD. Much as I love movies, tv and my favorite actors and such. They are way over-rated, and highly over paid...it's absolutely crazy! Yes, it's great they give to their favorite charites, causes and such, but seriously, they make way to much money and need to come down and live a more normal life and then maybe they would be treated more normal too. There is just no reason for them to have two and three homes all over the world, and two and three cars, when some people don't even own a home or car or can even eat a meal.

What, if anything can we do to bring back the middle class and the levels of the middle class. I certainly don't have the answers, but I think we could all start by using our heads a little bit more wisely and by doing things such as going green, conserving energy, helping others more freely with not only our time, but with our money. I think if we all could just be a little more patient, kind, helpful, and understanding it could be a better world. Because the rich keep getting richer and the poor just keep getting poorer, so come on everyone let's get out of me, me, me stage, and think about others!

Resources

Are you using all the resources that you can? Sometimes pride can keep us from using resources, but we shouldnt let that stop us. There's no rule that states what resources, and how many we must use, so use what resources, assistance, help and benefits you can, when you can.

My website has many different types of resources to assist you; therefore please visit http://www.freewebs/resourcefulliving Whether your need is a financial loan, budgeting and finances, job searches, charities, transportation issues, meals, or even mental health issues, my website has resources/links of all kinds. My only wish is to be able "if" to help or assist even just one person, then I've done what I set out to do. Even if you just want someone to share your story with or just to get advice or input, you may find links on my page to those who can share similiar experiences with you.

Remember, take things one day at a time, and one issue at a time and use those resources, because your life matters.