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A mobile phone is meant to make your life easier, and more convenient, but did you know it can also save you money if you use it in the right way? That’s right, there are a number of ways that your smartphone can not only make it simple to connect with family, friends, and work-related contacts, but it can also help to cut back on your expenses. Let’s take a closer look. For the Frequent Traveller If you are a frequent traveller to international destinations then you are well aware of how expensive those quick phone calls home can...

As an earning adult, you should think about the future and secure yourself financially for emergencies. Any income that is not spent is saved or invested, but it is up to you to decide on what and how much. The trick is to find the balance between saving and investing. The Indian government encourages money investments by giving tax benefits. So, you can find many options of tax saving investments waiting for you when you start earning. The Difference Between Accumulating and Investing Most of the Indians primarily save their income,...

All business owners should try their best to provide accurate accounting information to the IRS. If they fail to do that, they run the risk of undergoing an investigation. When that happens, people often have to spend a lot of time and money putting things right. Also, the tax man is almost guaranteed to say you owe them more than you paid. In the worst of circumstances, you could face criminal charges. That is especially the case if you’re a sole trader rather than benefiting from the protections of a limited company. As there seems...

It should be easy to save money during the winter months. As the mercury plummets and the snow accumulates, we naturally stay indoors. By staying inside to Netflix and chill, we avoid the financial temptations of patio drinks, window shopping, and weekend trips to neighboring cities. Contrary to popular belief, our hibernating ways don’t always help us. The frosty season ends up being an expensive time of year for many Americans. The cost of heating our homes, fixing our furnaces, and installing winter tires to our cars can add up,...

It’s winter, which means one thing for pretty much everyone – a surge in the cost of their heating bills compared to every other season of the year. And, of course, that’s especially noticeable when there’s a genuine cold snap. To that end, who genuinely isn’t interested in discovering ways to reduce their home-heatingspending? And, while the suggestions below aren’t exactly what you’d call shortcuts to lowering energy bills, they are ideas that in the long-run are likely to save you money… Replace your boiler Simply put,...

Image Credit Being disabled or permanently ill can leave life very challenging. Being unable to work means that you’ll always struggle when it comes to money. So, buying a new car can be a bit of a struggle. Thankfully, a scheme called Motability exists. It allows you to get a car that’s designed to be used by someone with a disability, at a fraction of the cost it would usually have. This is possible thanks to government schemes that provide subsidies to people who need them so that they can afford a car. Best of all, these cars...

If when getting an industrial machine your main idea is to spend less money on rent, then you will save only once. Try to think one step ahead and to calculate all the maintenance wastes (for example, constant downtime, frequent repairs, spare parts, lubricants and fuel) then you will definitely understand that after getting cheap floor scrubbers or narrow aisle forklifts today you will have to spend even more money in future. So the main point you have to understand about industrial machines rental is that cheap floor scrubbers, for...

The internet is a wonderful place, filled with opportunities, connections and information that in the past, wouldn’t be so readily available to the masses. It has also become one of the most popular ways to shop, being far easier and faster than conventional store shopping. Online stores and mass market websites offer anyone with a credit or debit card, the opportunity to make purchases online with little more than a click of a mouse. Trusted stores and brands spend a large amount of their budget on protecting you from scammers, fraudsters...

During your twenties, you may not have quite as much money as you had envisaged that you might have. Regardless, this doesn’t mean that you should be reckless with the little cash that you do have. No matter how much or how little you earn, it is always possible to be sensible with your money and invest it to make your future even brighter. You don’t need to have any big plans yet for your money. But while you are in your thirties, there are some very important money habits that you should try and get into. In fact, you need to try...

Many people think that saving money is the only way to achieve financial stability. However, spending money, and your spending patterns, can also help you. The key is finding the right balance between the two. Read on to find out more: Spend Money On Your Essentials First Naturally, it’s impossible to avoid spending money. You can’t get everything for free unless you’re a very lucky person. So, the solution is to look for sensible spending options. Think about the essential things you need to spend money on every month. Then, spend...