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How to Save Money fast|even on a low income



How to Save Money fast|even on a low income 1

How to Save Money fast|even on a low income 2
Saving money fast on a low income

Spending less than we make is often cited as the most important personal finance goal. It helps us get out of debt, save for emergencies, and stash money away for retirement.

It’s the primary habit that enables us to achieve some level of financial freedom. It can also be really difficult to accomplish.

In a recent Federal Reserve Board study, only “53 percent of respondents indicate that they could cover a hypothetical emergency expense costing $400 without selling something or borrowing money.”

In some cases, it’s lack of income that creates the financial strain. In many cases, however, the problem is overspending. With those who overspend in mind.

Here are my favorite 15 tips that will help you to save money fast

1. Move bank accounts to take advantage of perks and earn more interest

If you’re paying a monthly fee for your checking or savings account, you would benefit from researching some of newest banking offers out there.

 Not only do some of the best banks offer sign-up bonuses simply for opening an account and setting up direct deposit, but some offer attractive interest rates to new customers as well.

It’s true that interest rates are not what they once were, but it’s still worth a look.

Some of the best free checking accounts and best saving accounts  can be found online.

2. Turn off the television.

One big way to save money is to drastically cut down on the amount of television you watch.

There are a lot of financial benefits to this: less exposure to spending-inducing ads, a lower electric bill (and perhaps a lower cable bill if you downgrade your subscription), more time to focus on other things in life — such as a side business  — and so on. Here is a guide for you to generate a side business of your choice

Want to take things a step further? Consider cutting the cord to cable TV altogether.

3. Stop collecting, and start selling

There was a time when people thought their collections would bring them riches.
Beanie Babies were a big fad at one time, as were Longaberger baskets.

Now you can find those items on resale sites like Craigslist and at garage sales for a fraction of their initial cost, leaving many people who sunk thousands of dollars into their “investments” wondering what happened.

If you want to avoid that situation, don’t collect items of questionable value. And if you want to recoup some of the money you’ve already spent on collectible items, you can start selling them now and use those funds for any number of worthy financial goals.

4. Sign up for every free customer rewards program you can.

No matter where you live, you’ll find plenty of retailers who are willing to reward you for shopping at their store.

Here’s the basic game plan for maximizing these programs: create a Gmail or Yahoo address just for these mailings, collect every card you can, and then check that account for extra coupons whenever you’re ready to shop.

You can add to those rewards and discounts by using rewards credit cards to earn points on purchases at a wide range of stores that can be redeemed for cash back or other benefits.

5. Make your own gifts instead of buying stuff from the store.

If you want to save money while also giving generously, creating your own homemade gifts is one way to accomplish both goals.

You can make food mixes, candles, fresh-baked bread or cookies, soap, and all kinds of other things at home quite easily and inexpensively.

These make spectacular gifts for others because they involve your personal touch — something you can’t buy from a store — and quite often they’re consumable, meaning they don’t wind up filling someone’s closet with junk.

Even better – include a personal handwritten note with the gift.

6. Master the 30-day rule.

Avoiding instant gratification is one of the most important rules of personal finance, and waiting 30 days to decide on a purchase is an excellent way to implement that rule.

Quite often, after a month has passed, you’ll find that the urge to buy has passed as well, and you’ll have saved yourself some money simply by waiting.

If you’re on the fence about a purchase anyway, waiting a while can give you a better perspective on whether it’s truly worth the money.

7. Write a list before you go shopping – and stick to it.

One of the easiest ways to save money is to only shop when you have a list.
Because when you’re without one, you typically end up making impulse buys and unplanned purchases – all things that cost money.

Creating a list before you go to the grocery store is especially important. Not only can it help you buy items that fit with your meal plan, but it can also help you avoid buying food you might waste.

Always create a list and, more importantly, stick to it.

You can also take advantage of a cash back rewards card that gives bonus cash at grocery stores – just be sure to pay off the balance each month.

8. Invite friends over instead of going out.

Going out to eat or “out on the town” has a way of completely destroying both your food budget and your entertainment budget in one fell swoop. And no matter what, it is always cheaper to stay in with friends and come up with your own entertainment.

Instead of hitting the town, host a fun pitch-in dinner with your friends. Play cards, sit around a fire pit, or watch movies with your guests.

You’ll all save money – and have a blast.

9. Repair clothing instead of tossing it.

Don’t toss out a shirt because of a broken button – sew on a new one with some closely-matched thread.

Don’t toss out pants because of a hole in them – put in a patch of some sort and save them for times when you’re working around the house.

Most basic sewing jobs can be completed by anyone, and a little bit of practice goes a long way. Learning basic sewing skills is a great way to save some money – and extend the life of your clothing.

10. Don’t spend big money entertaining your children.

Most children, especially young ones, can be entertained very cheaply. Buy them an end roll of newspaper from your local paper and let their creativity run wild.

Play ball in the backyard. Head to the park. Plant a garden. Teach them to ride a bike without training wheels once and for all.

Realize that what your children want most of all is your time, not your stuff, and you’ll find money in your pocket and joy in your heart.

11. Negotiate rates with your credit card company or complete a balance transfer.

If you’re paying a lot of interest on your credit cards, it’s important to know that you do have some power as long as you’ve been making your payments.

Not only do you have the right to negotiate your current interest rate with your credit card issuer, but you have the right to transfer your balance to an entirely different card as well.
 (In fact, that is perhaps your biggest bargaining chip.)
Start by calling your card issuer at the number on the back of your card and explaining your request.

If you don’t make any progress with them, check out these balance transfer credit cards to find one with an introductory 0% APR that could help you save hundreds of dollars in interest over time.

12. Clean out those closets.

Go through your closets and find anything and everything you no longer use. Then, don’t just get rid of it, use it to your benefit.

You can have a yard sale with it, sell it on eBay or Craigslist, take it to a consignment shop, or even donate it for the tax deduction (mark down what you give away so you can get a receipt).

All of these options can turn old stuff you don’t want anymore into money in your pocket. Not only that, it’s often a psychological load off your mind to clean out your closets.

13. Buy video games that have a lot of replay value – and don’t acquire new ones until you’ve mastered what you have.

My video game buying habits have changed quite a bit since my “game of the week” days. Now, I focus on games that can be played over and over and over again, and I focus on mastering the games that I buy.

Good targets include puzzle games and long, involved quest games – they maximize the value of your gaming dollar.
Once you’re done with a game for good, take it to a video game resale shop like GameStop and see if you can trade it in for store credit you can use to get another game.

14. Drink more water.

Not only does drinking plenty of water have great health benefits — it has financial benefits, too.

Drink a big glass of water before each meal in order to stay fuller longer and ultimately eat less.

Not only will you save on the food bill, but you’ll also feel better after you become properly hydrated.

Even better, drinking more water — whether in a refillable bottle or at restaurants — means spending less money on beverages like soda, juice, and tea.

Remember: Tap water is not only just as clean as bottled water, it’s also free.

15. Avoid convenience foods and fast food.

Instead of eating fast food or just nuking some prepackaged dinner when you get home, try making some simple and healthy replacements that you can take with you.

An hour’s worth of preparation one weekend can leave you with a ton of cheap and easy dinner and snack options for the following week.

Also consider breaking out the ol’ crock pot for some inexpensive meal options that not only save money, but time, too.

For those times when you simply can’t avoid dining out, maximize your savings with coupons and a rewards credit card that gives a bonus for restaurant spending (but you know yourself best, so only spend what you know you can pay off each month with no interest).

Finally, I did like to ask you this simple question HOW MUCH OF YOUR INCOME DO YOU Save.

It quite obvious, that a lot of people don’t know how to Save Money, especially their income, some few weeks after their salary they go broke again.
That very bad read this to know HOW MUCH OF YOUR INCOME YOU SHOULD SAVE.

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How you can Make $100 Online Everyday with Zero Investment




How you can Make $100 Online Everyday with Zero Investment

Yes it possible, you can actually make over $100 online everyday with zero investment.

Let this be as an inspirations to all bloggers, digital marketers, entrepreneurs, online business addict especially the newbie to keep on striving for more and researching, learning to increase their skills and productivity.

Because the world is growing more digital everyday, more opportunities are online more than in the society these days and this seems alarming and every inspired youth or entrepreneur would know the importance in building up high income skills.

And for those who don’t know what I mean by High Income Skills, here is a detailed guide of what high income skills are, and how they can help you create a side hustle and eventually make you go debt free.

Let Get Started

Life as an entrepreneur has never been so easy, day in day out entrepreneurs have to keep searching for

what they will introduce that will be of great value to the public and inturn yield more income to them

lot of researches are done and sometimes may lead to burnout.

Giving up on making money online is not so strange to any one who strive to start an online income stream,

because of the rate of false site, scams, trials and errors, investing much and getting little to no income.

I have gone through trials and error in search of a way to make my first $100 online just like you, but I never gave up because i never recorded a failure.


Yes, I don’t believe in failure, giving up and to me failure doesn’t exit.

A short scenario

If you are eager to make money online, to have an extra source of income online or to turn hours you spend online productive, and you were able to try out over 30 websites and applications and you could not make money from it.

You discovered that there were all scams.

Now it doesn’t mean you failed in your research, it means you have actually gained knowledge. You discovered over 30 websites and applications that cannot make you money.

Don’t you think that an achievement and that the kind of mindset you should have if you really want to be successful in online business.

Before i will show you how you can actually make over $100 online everyday you have to change your perspective when it comes to making money online, you have to understand there will be surely time for higher income and time for lower income.

This is what is required of you.

1. Thought and Emotion

You must realize that the root of all your pain, suffering and negativity is solely tied to the recurring thoughts you entertain.

These recurring thoughts act to alter your perception that both the emotion you feel during the thoughts you experience and the subject of that thought.

This mean, not regarding to what business trial and error you have encountered online, the times you have been scammed, the times you profited and lost.

Should affect your motives when it comes to securing more business opportunity online and taking actions when required.

2. Words.

You have to understand that people are evolved to judge others on their emotions as a evolutionary tool to quickly determine. If a person is trustworthy.

People judge the authenticity of your character to see if you legit in all circumstances.

When you are the words you present don’t match the words you are saying and the actions you are doing (including your online post, online profiles, past records).

So this implies that you have to be bothered in securing and maintaining a legit business name.

3. Action

To be able to make over $100 online everyday you should be able to determine when to take actions when opportunity strikes and when not to take action.

What kind of business to take action on, the kind of investment opportunity to venture in that will yield more money and the one to spare that may actually seem productive but will eventually lead no rewards.



Listed here are online business opportunity that will make you a fortune.

1 Blogging.

Now what a blog, a blog (shortening of “weblog”) is an online journal or informational website displaying information in the reverse chronological order, with latest posts appearing first.

It is a platform where a writer or even a group of writers share their views on an individual subject or niche.

You may be conversant with the word Blog, but the fact is that not every blog you see makes money, there are some tactics that need to be employed before a blogger can start streaming making over $100 on a daily basic or more.

There is no limit to the amount you can earn with a blog, you can earn thousands to millions of dollars daily with a blog.

And the most amazing fact is that you can start a blog business below $100 or zero income depending on the blogging platform you want to start with.

But there are certain areas that bloggers need to be clear about when it comes to starting a profitable blog, and this affect their blogging business not been able to generate rewards.

A blogger can make $100 everyday with a blog either by running sponsored adverts, adsense adverts, selling backlinks, writing reviews, branding, selling personal course, ecommerce integration and other various means.

Start your blog business now with this two guide.

This is a guide to show you how you can actually make over $100 blogging even as an newbie
This will show you everything you need to know before you start up a profitable blog.

2. Affiliate Marketing

Affiliate marketing is a way you get paid from promoting and successfully selling products.

It quite simple, you find a product you like advertise it and get commission for any sales through you.

You can advertise the product either offline and online based on your location and make over $100 daily from sales.

They are lot of affiliate company out there, and you can be a full member of more than one affiliate and promote any product of your choice.

The other of it kinds is MLM marketing, this is a pyramid selling, network marketing and referral marketing, is a marketing strategy for the sale of products or services,

where the revenue of the MLM company is derived from a non-salaried workforce selling the company’s products/services.

while the earnings of the participants are derived from a pyramid-shaped or binary compensation commission system.

Visit here to know more about MLM marketing and the Top MLM marking companies in the world to join today.

Also other of it kind is CPC affiliate, in this case you don’t need to even sale a product before you get your commission.

This is a guide for you to know more about CPC affiliate and listed in this guide is the best CPC company to register with.

With any of this affiliate marketing online business you can be able to make over $100 everyday.

The good part is that you can even works as a CPC Marketer and the same times as a multilevel marketer.

3. Taking Online Surveys

Online surveys can be a quick way to make over $100 online everyday from home.

There are plenty of reputable online surveys sites that you can sign up and do regular surveys for cash.

You can make $100 daily from signing up with several surveys platform, to get unlimited surveys which will sum up to over $100.

But in this case there seems to be a limitations of countries to partake in survey, and also some people don’t know how online survey works.

I have created a telegram group where guide and free training on taking online survey irrespective of your country location.

There are lot of survey companies, but before signing up with any of this companies,

You need to know the rate at which they send surveys on a daily or weekly basis.

I have created a twitter channel to lecture about Survey and the best Survey companies to join, you can join if you want to really take action today. Telegram Channel

4. Becoming an Online Micro –Worker

Microwork is a series of small tasks which together comprise a large unified project, and are completed by many people over the internet.

There are lot of Microtasking companies which you can signup with, the only limitation is that they require specialized skills.

The wage paid range from a few cents per task is tag $100 per project.

If you are able to complete more than one task a day you can definitely make more than $100 everyday, or likewise you sign up with more than one micro tasking company to get more micro task callup.

A guide for you to get started with Microjobs, and the Best micro jobs companies to apply.

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Real Estate

Paying Rent 6 Reasons Why You Should Switch to Paying Rent Online




6 reasons why you should switch to pay rent online

Paying rent online:

Some people are hesitant to pay their rent online – why do this when they are used to paying the traditional way? Come to think of it, there are some benefits when paying rent online.

Property owners are now offering online payment schemes to tenants, giving them an opportunity to manage their finances better, free themselves from stress, and improve their credit standing.

Take a look at the following advantages

1. Build Credit by means of Credit Reporting

Renters get several advantages from improving their credit standing. This can enable them to have a lower interest rate for car financing or big purchases, and will even help in buying a house someday.

When they pay their monthly rent on a timely manner, which is likely their biggest recurring payment, this can have a positive effect on their credit standing.

However, there is no need for them to download an app or share their bank account details with another vendor.

There is a more convenient way. Most property owners give the opportunity to report their rent payments directly when paying their rent online. They do not have to do anything else.

This is a simple, secure and effective way to build their credit.

2. Minimize Stress by using Automated Recurring Payments

Online payment schemes see to it that tenants pay rent on time, build their credit score and avoid late charges by sending constant reminders through text and email.

What’s even better is that most of these systems provide autopay options that can be set and forgotten. Autopay allows them to pay on time, every time and so, there will never be any late charges.

Good Read | best real estate business strategy for 2019 Robert Kiyosaki

3. Maintain an Active Lifestyle using Mobile Payment Options

When renters receive the payment reminder via text while they are on the go, what should they do?
It is as fast and easy as a click to pay online using a payment app or a mobile-friendly website.

Majority of solutions allow payments anytime and anywhere, accommodating tenants wherever they are.

4. Avail more Flexible Payment Schemes, Such as Paypal

At times, renters have insufficient funds on a certain month, or may try to get a free airline ticket, but need more points on their credit card to get the miles.

Good reads | Fix and Flip Real Estate Investing

They can benefit from the flexibility offered by paying online. By using their credit card, they can add more points, set up bank withdrawals or use Paypal.

5. Lower the Chances of Theft and Check Fraud

A lot of personal and bank account details are printed on checks, which are easy to reproduce.

Paying bills online minimizes the paper trail and risk of having a check or information on it stolen.

6. Have Easy Access to Payment History

Among the best advantages of paying online, which is often overlooked, is the visibility and accessibility of payment history.

Renters can log in whenever they want to see their current bill and payment records in actual time.

They can get their payment information anytime and anywhere.

Paying rent by means of online bill pay option saves a lot of time and effort, while giving additional benefits – such as credit reporting.

If some renters have not tried this payment scheme yet, it is about time to benefit from it.

As you can clearly see, it’s about time to start and collect rent online.

Your tenants will be happy to pay rent online as well – who doesn’t like having more free time and less hassle?

Everyone want to do almost everything from the comfort of their home. It time to improved and give it a hit.

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7 Great Ways to make Extra Money from Home




Make extra money online from home

In the modern world, you no longer have to tolerate doing a job you hate or working for people you can’t tolerate.

There are lot of ways of which people have discovered new ways of making money that don’t require you to even leave your home.

The 7 Great ways to make money at home;

Work from home

1. Starting a business blog

Blogs are a great way to share your stories, opinions, and other information with random people on the Internet,

and if you are consistent and grow your audience, your blog can become a good source of income.

If you have lots of visitors on your blog, you can make money through advertising or selling merchandise to your audience.

However, due to research and needs for improvement, there tends to be trending ways of making money through blogging, even as a newbie.

And the secret is Blog Wealth Formula, get your copy of this guide.

And for those that would want to venture into blogging business. Here is how to start a successful blog Business.

2. Affiliate marketing

Affiliate marketing is where you get paid from product sellers or manufacturers for directing buyers to their website or business.

You can advertise the products using any means at your disposal, such as adverts on blogs (require you creating a blog), social media posts, direct messages, among others.

All you need is potential buyers to click your affiliate link that directs them to the seller’s website (such as Amazon, clickbank, Ebay and many others).

If the buyer makes the purchase, you get a commission. So in this case you Wil need extensive marketing strategy. And I recommend PUMP marketing strategy guide.

It will get you more Sales and you make more extra money from home.

3. Starting a YouTube channel

YouTube is one of the world’s most popular websites with billions of monthly users.

There are videos of almost anything you can think of and anyone is allowed to post a video.

You can become a YouTube content creator and post any videos you feel people will be interested in such as funny videos, travel videos, cooking videos, explainer videos, reaction videos, or just record yourself speaking about various topics.

You get paid depending on the number of views your videos get and the number of subscribers your channel has.

4. Sell your photos

If you are skilled with cameras, you can easily turn your photos into easy cash by selling them to stock image websites such as

With modern high-performance smartphones, you don’t even need to have a professional camera to take awesome pictures. If

your photos are accepted, they can be downloaded by’s subscribers and you can make money for every download.

5. Take online surveys

Online surveys can be a quick way to earn some cash at home.

There are plenty of reputable online survey sites that you can sign up and do regular surveys for cash.

6. Forex trading

You don’t need much to become a successful Forex trader; just a computer and internet connection is all you need to run a Forex trading empire.

You can easily set up your Forex trading account and start trading as soon as you deposit funds.

You can use the computer or your smartphone to access streaming charts, live price feeds, and news and trade at home 24-hours a day.

7. Turn your hobbies into cash

If you have a talent or are good at a hobby especially in the creative arts, you can easily turn it into a moneymaking venture if you do it right.

For instance, if you love painting, you can make portraits and sell them for thousands of dollars or even millions if they are good enough.

Do you want to know more ways to make extra money from home, then out the links.

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