Author: CTgRnlIf

Tips For Getting A Christmas Letter From Santa For Free

We spoke to JustFreeStuff who came up with ways you can receive a free Christmas Letter  from the North Pole from Santa!

Santa is very busy during the last part of the year.

The elves are all busy making toys, and working long hours and late into the night to ensure that your presents get there on time. Rudolph along with the other reindeer are getting prepared to take their long journey, and making decisions on which snacks to take with them and reviewing their navigational skills.

The year’s wrapping paper is being chosen by Santa and Mrs Claus is scolding Santa to eat fewer of the mince pies this year that people leave out for him (since he might have gained a bit of extra weight last year).

Although the North Pole is really far away, it is still possible to write a Christmas Card or Letter to Santa – in fact he really loves hearing from people!

Royal Mail: Free Santa Letter

Royal Mail makes it possible for you to receive a letter from Santa for just the cost of a stamp. Here is where you should send your letters:

  • Father/Santa Christmas
  • Reindeer Land

Be sure to:

  • Use a stamped envelope
  • Use the right address
  • Have your complete address and your child’s name included.

 

One thing that is worth noting is that it isn’t guaranteed that Santa will be able to reply to every single letter, due to the massive volumes that are sent to him. To help improve your chances of getting a reply, be sure to send your letter prior to the cut-off date.

 

Santa Charity Letters

During the festive, fun period, it is very important to not forget those who are less fortunate than you are. Donation letters coming from Santa (with all of the proceeds going to charity) is an excellent way to get children excited about Christmas, and also to think of those who are less fortunate than they are.

National Society for the Protection of Children (NSPCC)

Every year, a Letter from Santa scheme is run by the NSPCC, where your child can get a letter from Santa for a small £5 donation fee. That money can make a big difference for the charity and also helps to provide children all over the UK to have a nice Christmas. All of the letters are personalised for every child to make it a very unique and special gift.

Royal National Institue of Blind People (RNIB)

A similar program is run by the RNIB, where partially sighted and blind children get letters in their preferred format from Santa. The fairies and elves at the RNIB love to make sure that all of the children are contacted by Santa, so they assist Santa by sending replies out in braille (uncontracted or contracted), as an audio CD or in large print.

Your letters should be sent to:

RNIB
Santa Claus
Midgate House
Midgate
Peterborough
PE1 1TN

 

Be sure that your letter includes the following information:

  • Child’s name, postal address, and age
  • Contact phone number
  • Whether the reply should be written in Welsh or English
  • What letter format is required

Saturday 1st December is the closing date for the letters, so be sure to get yours in prior to then in order to avoid any disappointment.

Although receiving a letter from Santa is free, pleased make a donation to help the RNIB be able to continue doing its work. For more information, go to their website and check out their Letter from Santa web page.

East Anglia’s Children Hospices (EACH)

An annual scheme is also run by EACH where children get personalised letters from Santa, in addition to a Christmas activity that they can do for a £5 minimum donation. Every donation provides support and care to life-threatened children, young individuals and their families in East Anglia.

To learn more and to get Your Letter ordered, visit the EACH website.

Free Calls and Videos from Santa

There is a free service called Portable North Pole that lets you receive personalised phone calls and videos from Santa himself. Available on an app and the computer, Portable North Pole is an excellent way to provide Christmas with some added magic.

It isn’t only for children! PNP also provides adults with fun, personalised videos.

Check out the various phone calls and videos that are available to make this a very special Christmas.

Free Santa Letter Printable Templates

Use one of these templates to make your letter to Father Christmas extra special.

There are 20 Free Printable Santa Letter Templates that Spaceships and Laser Beams found for you to use. Some are blank so that your children’s imaginations can run wild, and there are also some that are fill-in-the-blank to give them a good start.

Track The Location Of Santa On Christmas Eve

On Christmas Even the fun continues as you follow the progress of Santa on Google’s Santa Tracer. Each day in December new daily activities get added for children to participate in. The no Christmas Eve they will be able to use Google Maps to follow Santa as he makes his trip around the world.

11 Effective and Legit Ways of Getting Free Stuff

Today, I am going to tell you about 11 of the most legit ways by which you can get your hands on free stuff. To get free stuff you can simply join rewards programmes, could take surveys and much more. The free stuff that you may get includes movies, gift cards, food, hotel rooms and groceries. We usually need a lot of stuff in our daily life and many a times we are looking for discount and offers so that we could stay in our budget. But how amazing would it be, if we could get the things for free. So, let’s start,

Sample Products

One of the simplest way of getting your hands on free stuff is to look for sample products. There are a number of ways by which you can get sample products, you can simply search online for sample products from the manufacturer’s sites and big manufacturers like Procter & Gamble and Unilever will mail you the sample products. Another place to get free samples online is MegaFreeStuff.co.uk and Amazon, if you are an Amazon Prime member you can buy sample boxes in a number of different categories and the amount you will spend on these items will be adjusted in to your Amazon account as Amazon Credit that could be redeemed for selected items.

You can also get samples from your local stores, wholesale clubs are one of the best place where you can get free samples. For example, you can visit Costco, Nordstrom and Macy’s to get free samples.

 

Online Marketplaces

Online marketplaces are not only the places to buy stuff, you can also get free stuff from them if you know how. By simply searching the sites like craigslist, Facebook and Nextdoor you can find a lot of free stuff. Sometimes people want to get rid of a thing so badly that they won’t wait for a buyer to come, they simply give that for free so that they could get rid of it. So you can easily find this type of advertisement where people are giving their stuff for free. The stuff you can get for free from these sites may include appliances, plans, furniture etc.

 

Library Card

Your library card is not limited to the library and books and it could help you to get your hands on free stuff. A library card can help you to get access of educational and entertainment resources. You can get audiobooks, games, movies, music, classes, museums and more from your valid library card.

 

Online Surveys

One of the simplest way of getting free stuff is to fill up online survey forms. All you need is a limited time in your daily routine and you only need to provide your opinion about a specific topic and for this you can get gift cards, cash and entries in sweepstakes. You can take your start from sites like Global Test Market or Swagbucks.

 

Credit Card Rewards

If you have rewards credit card then it is the time to cash in on your credit card rewards. You get points for every euro you spend and the points can be redeemed for things like gift cards, hotel stays and flights. Each card has its own advantages, so you need to check your options that what kind of facilities and free stuff you could get from your credit card.

 

Loyalty Programmes

If you are regular customer of a store or a retailer then you must sign up for their loyalty program because most of the stores are willing to give away discounts and offers to their loyal customers. You can enjoy special treats on your birthday from your favourite retailers and you can also get special offers based on the amount you sent. You can get stuff like free food, free shipping, gift cards and movies tickets.

 

Food Holidays

Do you know that there is a food holiday for almost every food in the country, so this could be your chance to get your hands on free food. Almost every restaurant participate in this food event and thus they either give it away for free or they hold a discount on that food. You can get updates from social media pages of the restaurants and food chains. For instance, Cinnabon is a restaurant that participated in the National Coffee day in September and gave away a free cup of coffee to every customer.

 

Freebies or Cashback Apps

The freebies and cashbacks apps can help you save hundreds of euros easily. An app named as Shopkick will pay you for visiting stores, making purchases or even viewing products. You will earn points for all the activities and you can then redeem these for gift cards that could be used on famous retailers like Target and Starbucks.

 

Coupons

Coupons can help you to get discounts on a variety of different products but coupons are not only limited to this as they can help you to get freebies too. Many brands and famous stores have offers like buy one get one free, free items or free gift with a purchase. So a coupon is required to avail these offers which you can get from online sources or you can wait for the Sunday newspaper to get your hands on the coupons.

 

Sweepstakes

Sweepstakes are one of the easy way of getting free stuff by investing a very little amount or sometimes even for free. You can get amazing gifts like concert tickets, vacations, gift cards and even a dream home. There is a little chance of winning in some type of sweepstakes but I still encourage you to join these sweepstakes because they are easier to join and if you win the reward is much higher. Sometimes you can enter a sweepstake by only tagging a brand or sometime by leaving a product review. So always look for sweepstakes from your favourite companies and make sure that you read all the term and conditions before entering a sweepstake so that it is worth it.

 

Free trails Subscriptions

There are many subscriptions that offer free trails for their services, although they could be expensive at times but you can control it by only using the service in trail period. You can get your hands on free audiobooks, snacks, free TV, music streaming, coffee and meals by just signing up for free trails. If you sign up for Netflix, they offer a free one month trail and the crunch fitness also offers a one day free gym pass. You can avail all these free trails but make sure that you cancel on the right time so that you won’t be charged.

 

Top Companies to Consolidate Your Student Loan

Student Loans, Student Loans written on a chalkboard with chalk and a grad cap

With the increasing costs of colleges, the number of students that take loans are also increasing day by day. Students take federal and private loans to pay their college cost and according to a report almost 70% of the students take loans to pay their college costs. So with the rapid increase of this number there are people who want to return the loan and it is sometimes difficult to do so.

One of the best way to decrease the amount of the debt you own is to refinance your debt. A simple refinance can help you save hundreds of dollars that you had to pay in the form of interest and now you can also get a lower interest rate. There are many companies that you can use to refinance your loan, each company has its own terms and conditions with different requirements and payment rates. With so many different options available it is easy to choose the cheapest option with the lowest rates.

If you have a federal loan then make sure that before you refinance that loan, you check all the benefits that comes with these type of loans because if you will refinance a federal student loan then you will lose all these benefits. For instance you can apply for a loan forgiveness program if you have a federal student loan.

So let us talk about some of the companies that you can use to refinance your student loan. Starting from the 1st,

1- SoFi

SiFi is one of the famous loan refinancing company. They are one of the pioneer in this industry and have helped many people to save a very big amount. The company was started in 2011 by students of Stanford in order to help their fellows to pay off their student loans. Now they are provide student loans and are trusted by the students and they also offer refinancing for personal loans, mortgage loans and student loans. Apart from that they also offer life insurance and can help you to compare rates offered by different companies. One of the best thing about SoFi is that you can refinance your loan for a lower amount if your credit score is 650 or more. There are certain other requirements but you can simply fill up a form to know what rates you can get.

There are many benefits of using SoFi, they offer low interest rates in comparison to other companies. The time duration can be in between 5 years to 20 years depending upon the amount you are borrowing. You can take a minimum loan of 5 thousand dollars for a federal or a private loan. Another benefit of using is that when you will choose the option of Autopay, you will get a discount of 0.25% on your interest rate. Another benefit is that you can have access to advisors from which you can take financial assistance. Apart from all these benefits, SoFi also provide unemployment protection, so you do not have to pay any installment if you do not have a job.

If you get approved, there are no better options than that. Although there requirements are more than the competitor’s sites but they also offer more benefits than the competitor’s sites.

2- LendKey

As the name suggests Lendkey is private company that was founded in 2007 and it enables people to get students loans for a lower interest rate and apply for consolidation and here you can also get home improvement loans. The company has a slightly different approval method than any other competitor company. The company partners with credit unions and banks to provide you the lowest possible interest rate. The facilities you can get depends upon your lender union as this company is a marketplace rather than a direct lender. Make sure you review all the term and conditions carefully because each company has its own term and conditions.

There are many benefits of using Lendkey, you can get fixed APR rate in between 3.15% to 8.79% depending upon your loan. You can get a loan of $5,000 to $300,000 depending upon your degree for a time period of 5 to 20 years. Whether you are have a federal loan or a private loan, whether you are an undergraduate or a graduate you are eligible to apply in both the cases. Another benefit that you can take is that when you subscribe for AutoPay, you will get a discount of 0.25% on your interest rate.

The company has a very good customer care service and is highly recommended by its users. One of the reasons to join is that if you have got a loan with a cosigner then if you pay on time for a year then your cosigner will automatically get removed.

3- Earnest

One of the best companies to refinance your private and federal loans is Earnest, the company is in business since 2013 and specializes in consolidation of student loans. You can get lower rates in comparison to other companies but the approval process can take more time because they do not only focus on Credit Score alone. Here you can get a fixed APR of 3.49% to 6.32% and a variable APR of 2.75% to 5.87%. You can get a minimum loan of $5,000 for a time period of in between 5 to 20 years. There is no limit for maximum debt amount. Whether you are an undergraduate or a graduate, you are eligible to apply and one of the best thing about this company is that you have the ability of deferring payments for a time of 3 years.

If you have an amount of debt in student loan then this company is the most preferable and it also has one of the most flexible repayment options that you can use.

4- Discover Student Loans

The Student Loan Cooperation also known as Discover Student Loans was founded in 1992. You can only use this company if you are a permanent US citizen who is residing in the country. In the past you can use this company to get student loans but now you can also use this company to refinance your student loan. If you have a student loan of less than $150 k than you can use this company for a consolidation of your debt. The company brings in many benefits if you are using it to refinance your previous loan as you can get a fixed APR of 5.24% to 8.24% and a variable APR of 4.74% to 7.99%. One of the benefits is that they provide a 24/7 customer service to all the users and here you can refinance all kind of loans like all the companies listed above.

As with other mentioned companies, you need a very high score to be considered for a debt, here you can get a loan for a lower score and you can also get discount on your interest rate of 0.25% if you subscribe for AutoPay.

5- Splash Financial

One of the best companies that you can consolidate your student loan is Splash Financial. They are basically a third party loan providers as they connect you to banks and different other borrowers from which you can get loans on very low interest rates. This company work outs on your behalf and ask banks to provide loans for a lower interest rate than usual. The company also has a very user friendly website which you can use and on that site you can get a quote for yourself within 3 minutes and if you need a loan, then the entire process will only take a quarter of an hour. You can refinance any kind of student loan for a time period of 5 to 15 years with an interest rate as low as 3.75%. The amount of money that you can owe lies in between $7,500 to $300,000. If you are a graduate then you can also get discount from this company. To be considered for consolidation, you need a credit score above than 700.

6- College Ave

College Ave Student Loan company is one of the platform that you can use to get private loan. The company is in business since 2014. The company provides one of the lowest rates on student loans and has one of the most flexible repayment option if you compare with other companies in the list. Offering a low Fixed APR rate of 3.5% to 8% and a variable APR of 3.13% to 7.63% the company has one of the cheapest options. The minimum of amount of debt that you can owe from this company is $5,000 for a time period of 5 to 15 years. This can serve as a great platform to save money when it comes to refinance your student loans. Another benefit of this company is that if you are a Nationwide customer, you can simply take a discount of 0.5% on your interest rate. Thus it is the most under-rated and cheap platform to use.

So these are some of the options that you can consider while you want to consolidate you debt. Make sure you choose the best company in order to save most of the money. Do comment in the section below and let us know if you have any queries regarding the companies because we would love to hear from you.

Best of luck!

12 Most Easiest Ways To Make Money

Each and everyone of us love to make money, but most of us stay down by thinking that there’s no shortcut or making some extra money is pretty much harder. But no need to worry anymore because we have put our heads together and made up the list of 12 most easiest ways to make money. Simply stay with us and we will show you those 12 ways through which you guys can make money quickly.

Here you go!

  1. Online Surveys

One of the most speedily growing ways to make money online is to complete online surveys. Mostly students are earning some extra cash by simply filling out online surveys in their spare time and it’s quite easy too. There are many research companies who are always looking for new members throughout all over the world to hire them so they can so they can answer their surveys and test their newly launched products and give their reviews about them.

It will only take you few minutes to fill out a form or to complete a survey but in return of those few minutes you will get some quid which is paid as a cash or a reward. There are also some surveys in which you can earn $5.

Some of those sites are listed below:

  • Survey Junkie
  • LifePoint
  • Survey Bods
  • Opinion Outpost
  • Prolific
  • InboxPounds
  • Toluna
  • Panel Opinion
  • PineCone
  • Onepoll
  • I-Say
  • The Opinion Panel

“Also don’t forget to sign up for SwagBucks because SwagBucks not only rewards you for  completing surveys but it will also rewards you for simply surfing the web, watching videos and also playing games.

  1. Recycling Mobile Phones

Have you ever heard or thought of recycling mobile phones? Do you know that you can not only earn good money by recycling mobile phones also you can help the environment by recycling old mobile phones. You can also ask your parents if they are lying around too.

For more details you can head to our page on making money from old phones for the best companies to use and how you ensure to get all the cash quoted to you online.

  • Claiming Tax Back

We all know that there are many students who work part-time with their studies too or some of them works in the months of summer and other will be on pain internships or on placements. More usually than not and if you are a student and you are working during the year then that means that you are overpaying income tax.

Now most of people must be thinking WHY?  It is because barely few students reach the personal tax free income allowance each are but mostly are put on basic tax code by their employers which means tax is being paid when it shouldn’t be.

To figure it out more and calculate that how much tax back you might be due, see our guide on student tax refunds.

  1. Earn By Reviewing Money

If you are a music love then you can make it your business and you can earn through it by reviewing unsigned bands and artists online by using slicethepie.

Well it is true that it can take a while to build up your reputation there are some users of this site that have made up to $100 per month as they have told us that. We know this may not sound like much, but if you are a music lover then you will probably enjoy it and it also won’t be a hard work for you and will be an other thing for your resume. The money you gonna earn on this site will  be in $US but anyone can sign up and enjoy.

  1. Sell-Out Your Used Course Books

One of the greatest ways to make money is to buy books from the other students at the end of the year and then you can sell them out after the freshers week when the new batch of students know that they need them.

There are many ways in which you can sell out your used course books. Either you can list them up online on Amazon MarketPlace or you can advertise in your campus. By using these ways you can sell out your old course books and can earn some extra cash.

  1. Sell Your Photos

If you are good in area of photography then this is one of the best options for you to make some extra cash. Simply try uploading your photographs for free to stock websites. Adobe Photoshop and Getty Images are best options to have a good start.

By selling your photos to them you wil be able to build up your reputation and it would be a great start.

  • Rent Out Your House For Filming

TV serials directors and movie directors are always looking for houses to film in. for example you might have heard the name of the British TV serial known as coronation street, one scene of the coronation street was filmed in the student house, one of the save student editor used to live in.

By renting out your house for filming not only you will be able to make good money but it is kind of crazy to see your place on TV.

  • Mystery Shopping

To become a mystery shopper these days are much easier than you would think it is and by becoming a mystery shopper you can get rewarded handsomely.

There are many agencies that will pay you to visit all types of shops and restaurants to give your reviews on them that how they are performing.

Tasking apps are another form of mystery shopping where you can get rewarded for completing small local tasks. It can also be a pretty much fun.

  1. Rent Out Your Parking Space

There are some student accommodation which comes with a garage or drive. If you are not using your car parking area and you live in a busy area then you are pretty much lucky. There are many people who works in the city area and are tired of paying for the roof for everyday parking.

You can rent out your parking space by simply advertising your space on Gumtree, Parklet or Just Park and rent it out and start making some extra cash.

  1. Dog Babysitting & Walking

If babies aren’t your cup of tea then maybe canines are because dog babysitting is a big business. When others are at work and worried about their pets at home then there are many people who have free time during their day and especially students are free at  home when others are at work. By doing babysitting of dogs you can start earning by $15-$20 per hour and also it is a great way to keep fit.

  1. Charity Collector

Well, this one is a bit different from others because this job take a certain type of a person, because in this job you will  have to face a lots of rejections and be persistent. But in case if you are bubbly, reckon and personable then you could sell an ice to Eskimo and this could be actually a best way to make money for students. You get paid commissions on every new sign up which would be near about $30 – $40 typically.

Don’t forget to take a look on charity websites like Oxfam and Wesser.

  • Sell Your Stories & Videos

If you are good at writing interesting stories or you already have an interesting stories then you could try selling to the papers. It could be about anything from getting caught in horse clothes to sleeping with a professional footballer. One of the save the student team was pretty much unfortunate to have a pigeon fly and smash their window at university and sold out the story to the son for a clean $70.

You can do this too, you could film your friends at all the time and send it to you’ve been framed to earn a $400 and a few seconds fame for yourself.

So guys this was the 12 most easiest ways to make money for yourself and if you are having any financial issues then you can start working on any of these ways and start earning some extra cash for yourself. We would love to hear from you guys so drop a comment about how did this helped you out.

Good luck and have a nice day

How to Start Your New Financial Year

The New Year is coming very soon and like many other people you would be planning for your New Year celebrations and upcoming time and their challenges. New Year brings a new hope, it is like a new start. You feel motivated and plan for many new things in the upcoming year. You could plan for your financial independency and for that I will help you. In this article I will tell you about how you can become financially independent and strong. People always want to upgrade their financial status with the passage of time and I am sure you will also be looking to search ways to improve your financial status. So starting from the 1st,

Know What You Are

To improve your financial status first you should know that who you are and where you stand because the road to a better future starts from where you are today. You would not be able to create a road map unless you know where you are. So to start a new financial year you should know where you stand. Evaluation of your current status will help you to make a road map to follow, you will be able to set your goals and one day you will be able to achieve your goals effectively. Before starting your new year ask yourself question like do you bought a new house? Do you have a car?  Are you debt free now? And if your answer to these questions in no then it should be yes in the upcoming year. Believe yourself and work to achieve your goals.

There are many online tools and websites that you can use to evaluate your financial years. A lot of these websites are free and easy to use. Personal Capital and Mint.com are these kind of websites. You can link your all accounts to this one place and it will tell you about what your financial picture look like. These websites will tell you where you spend your money and what income you have from all your account and what your net worth is! So before making a start you should capitalize from these tools and should know where you stand in your financial picture.

Saving Goals

Money saving is vital step in the financial progress of a person. I was the one who never tried to save money in my early times but when I was left alone with a lot of debt then it was the only option left to me. This was the time when I got to know that money saving is a very important step for any person’s financial success. So I decided to start saving money so I could never get in debt again. There are ways that will help you to save money but the first and the most important one is to set a goal. Set a point which you want to reach and your time limit. This will help you to carve a road map for your destination. Your saving goal could be anything you could set your goal to buy a new house or buying a car or paying off your debt if you are in debt. You can use some of the digital apps like Digit, Capital One 360 and SmartyPig to take help in setting goals and putting your money in right places.

Kill your Debt!

This is one of the most vital step before starting the New Year. You need to kill your debt and kill it very hard so it could never get in to your life again. You need to hit your debt very hard before the New Year. The holiday session is passing and if you are in debt and have bought new items and increased your debt then this should be your utmost priority to get over your debt. There are hundreds of methods you can pay off your debt easily so you would be doing it as the first priority because this debt is increasing day by day as the interest rate increases every year.

Make your Budget

Budget is your financial goal. Creating your budget is a very important step for financial sustainability, it gives you a road map to you to spend your money. I know many people do not like to make a budget because they think that it will cage their extra expenses. So that is the difference between financially stabled and unstable persons. Because every financially stabled person has always created his budget and has taken care of his earning to come to he stage where they are.

Creating a budget is very important to a person’s life because if you do not know that where your earnings are going then you cannot control your expenditures. How would you control your expenditures if you do not know where are you spending and you do not have a proper record? In order to know you have to make a budget and in that budget you will get know that where are you spending extra money and which expense you have to cut off.

When you create a budget, it helps you to stay determined and focused and gives you a road map to follow. Do not worry if your budget fails for one or two times, try to stick to your budget to fulfil your financial dreams. This is the only way to keep yourself motivated towards your financial goals. So before starting a New Year create a new budget and stick to it.

Eradicate Habits that kills your Budget

It is not that easy as it is looking. With the term eradicate I want you to kill your habits that is destroying your budget every month. There are many habits of you that are not good for your budget like going hungry in the grocery store or going to buy a particular item in the store and coming out with hand full of bags. So to avoid these type of situation you would have to make a proper plan and set a time period to eradicate it because you cannot just overcome it in a single night you would have to make a plan and keep yourself focused for days or months or even years. But you should do it one by one and pick that habit that is in the first at the list of habits destroying your budget. So on this New Year you should start to work on this and your utmost priority should be the habit with extreme loss.

Search for New Income Ideas

You cannot just depend completely upon on your single job to achieve something bigger and it is never a good idea to only look for a job of higher pay to achieve your goals. You should not only do this you should start working and you should work to the maximum hours you can. There are hundreds and thousands of side hustle that you can do to boost your income. In the start this would test your patience and take your time but you would have to be very determined. Many people think that this could be very difficult but the only difficulty is taking a start as you would take a start you would not face any difficulty from then onwards. To achieve your goal of financial stability in the New Year, put yourself in a challenging situation where you would have to work for several jobs and even work while others sleep and enjoy. So go and search for side hustles from this New Year and achieve your goal before the New Year.

So these were some of the thing you need to mark before your New Year to achieve your goals of financial success. One thing you must do is to you should take care of yourself first. Taking care of yourself means your health, your relationships and other matters of life that need to be fixed as they play an important part in your life because it is not about wealth and money alone you need to be happy while having all these things. So not only focusing on your wealth you should also focus on your life so that you could enjoy what you achieve.

You would have seen people who make plans every year that they would buy a new house or they would lose weight or they would certainly achieve any goal. But as the year passes by they get bored and do not follow their plans so this New Year you should not be doing anything like that you should keep yourself focused and determined in all the months of the year so that at the end of the year you could get that what you have thought for yourself.

Drop your comments in the comment section below and do share your experience or thoughts on how you would be starting your New Year and what difficulties have you faced in achieving your goals last year.

Have a good day!

6 Effective Methods to save on Living Expenditures

Like many people you would also want to save money and like others you would be aware of the importance of money saving and how it can change your life. But the problem comes here that you are not able to fulfill what you say and want to achieve a big goal like buying a new house and a car or going to a world tour but you are not able to save till now. If the scenes are like that then in this article I have a solution to your these problems I will tell you about how easily you can save on your living expenditures. Many people think that they are paying the right amount on their living expenditures but they end in a very big debt just to maintain a certain type of life style that they cannot afford. They tend to live much beyond their earnings and end with big debts and a lot depression. So here in this article I will tell you about 6 ideas to save more on your living expenditures so that you could maintain a happy life. There are many ways you can save you should keep your determination strong and always look to save from everything you do, starting from the 1st,

1- Search for the Best

Always search for the best price before shopping. You should make an approach of shopping online because it is quite easier and effective and you can save more through that because there are online tools and websites that will help you to find coupons and discounts online and you will be able to receive cash backs on every item you buy by some of the websites. There are some extension for your browser that work when you are about to check out and they then give you the coupons or discounts from all over the internet. Using these simple techniques you can save a very good amount.

There are online websites on which you can compare the rates of things you are going to buy and they can compare you for anything you want and if you do not find a comparison you can also ask for it! Because of the competition the companies will love you to give the best rate and will provide you the possible offers available. So instead of staying back and getting lazy you should compare the price of your services, your insurance and almost each and everything you buy because these comparison can help you to save a lot of money for your future.

2- Heating/Cooling cost

Getting your house chilled in the summers is not a difficult task while you have an air conditioner in your home but this facility can cost you a big amount every month in your utility bills. You can save on that by doing some simple tricks like you should turn off the air conditioner in the night and open the windows while there is a cool breeze outside and instead of keeping your air conditioner on all the time you should go for the ceiling fan in times where the temperature is much better and you can save up to 10% on you air conditioner bill every month just by increasing 2 Degrees up. So these simple tricks in summers can help you to decrease your utility bills and save you much.

In case of winters when you have to keep your house warmer to survive you can save more on days when it is cold outside but it is not freezing by just turning off the heater and wearing another layer of clothes on you. You will be amazed to know that you can save up to $90 to $100 a month through this simple method. One other important method to save money in this regard is to shift your old thermostat to the new programmable thermostat because that will decrease your utility bills to a very big amount.

So by doing these simple hacks you can save a lot of money in the summers and winters on your cooling and heating bills.

3- Your Services

Keep a very close eye on what you spend on your subscriptions like Cable TV, Mobile phone subscription and the internet. You can save on your these services by checking if there is a provider that is giving all these services that helps you to save more because it becomes easy to pay and having one provider for all services you can achieve discounts on payments and many companies which provide these services offer deals to costumers for taking more services. Hence you can save up to $30 a month by doing this. One thing you should keep in your mind is that you should not subscribe to the service which you do not use often only pay for those services which you will use and in order to avail services in a combination make sure you are saving more than you are paying now. One other thing you can do is that you can cancel you Cable TV subscription and move it to mobile applications of TV channels that are completely free. Thus you will be able to save the whole Cable fee.

4- Keep Track of your Spending

In order to know that if you are doing well on your budget you need to know that where are you spending your money. You need to keep track of your spending on regular basis in order to achieve your budget because through this you will be able to save the amount as you listed in your budget. You should keep track of where you are spending your money in order to check if you are spending more on grocery or are you wasting your money in buying useless stuff and by skipping that you could save that money and use it in a much better way. There are many online tools and features of websites that helps you to track your spending and gives you free advice on where to cut off and where to spend that saving. Tools like personal Capital can help you to keep a track of your spending on regular basis and it is a very effective one.

5- Entertainment Budget

It is the time to examine your entertainment budget, how much do you spend on entertainment?

Many of the people spend hundreds of dollars monthly on their entertainment budget, if you are one of those then you should check your entertainment list, you should replace ideas of entertainment that cost less with the ideas or ways that cost more. For example you could skip movies and can watch it on your own movie theater in your home with your friends and after that you could eat at home. So in these type of situation you can save more and instead of going to a vacation you should try to entertain yourself in a way which is cheaper. Thus the idea is to entertain yourself as cheaper as you can!

6- Stay at your Home

Staying at your home in your free time and holidays is a very effective money saving method. You should be thinking how? The answer to your question is that when you will skip to go to a movie outside you will save. When you will skip going out with your friends on a party or to a bar for drinking and try to stay at home then you will also save a lot. To do this you need a good motivation and saving goals. Although this is quite difficult but when you want to achieve your saving goals then you have to do it and motivate yourself on daily basis in order to keep yourself focused.

So these were the 6 quick and easy money saving methods to save on your living expenditures. By applying these methods you will be able to save a lot of cash and the chance to get in debt will also be eliminated that means you can afford a lifestyle you want easily. Do comment in the comment section below and also share your experience of saving money on your living expenditures through these easy methods. We will be waiting to hear from you.

Have a good Day!

14 Legit Sites and Tools to Save Money Online

So the holidays are coming and you should be thinking about shopping, is it so? If yes then today I will tell you about some legit tools and websites that can save you money while you are shopping. There are many online tools and websites that gives you different offers and discounts that you can avail and by availing you will be able to save a lot of cash that you have earned by doing very hard work. It is very easy to save while you are shopping online by using the simple tools that I will tell you today. So starting from the 1st tool,

1- Honey

Honey is a very legit and effective tool that could be used for saving money while you are shopping online. It does not even have the process of getting discount every time you only have to do it once and the rest will be done automatically. You have to install the Honey extension on your browser and when you are finishing before checking out you have to click on Honey and it will search from all over the internet to give you coupons that will give you discounts. Honey will apply these coupons automatically and will give you the best possible price and you can then finish your shopping with a lot of saving. Honey works on many of the online stores so you do not have to worry about the options.

2- Ebates

This a website that gives the most cashback in the town. Ebates is the most famous online tool that helps you to get up to 20% cash back on your shopping. Everyone wants to save money so the steps to save money on Ebates you just have to sign up on their website which is some simple steps and then you will have a number of stores on which you can avail cash back. Search for your desired product on your desired store and you will have your cash back easily in your e-wallet.

3- Walmart saving Catcher

You would have used Walmart for shopping before, Walmart offers very good deals on some goods and gives you the best discount on many items although some people complain about shopping through Walmart because of their system of delivery and other technical issues. To come up with this Walmart has introduced Saving Catcher. Using this tool is quite amazing you just have to put the receipt number of the product you have bought to their website or you can either scan your receipt on their mobile app. After that they will search for the items you have bought and if their local competitors have put a lower rate than their rate then they pay you the cash in difference in the form of gift cards that you can use online on their store.

4- RetailMeNot

RetailMeNot is a website that helps you to find the best coupons, by using these coupons you will never have to pay the full price on any of the item you are going to buy, coupons works very effectively always use RetailMeNot before checking out on any website because on this RetailMeNot website they got the best possible coupons available and you can avail them on your shopping website. It is simply quite amazing and easy to use.

5- Ibotta

Ibotta is somehow different from other cash back websites and applications, It is an application which can be installed both on android or IOS. You just have to download the app and sign up by giving some of your details. You have to do some simple task before you can avail discounts and Cash back. After that when you have unlocked the cash back for a certain store you can avail that by shopping from that store and to get your cash back into your Ibotta account you have to scan the receipt and you get the cash back. You can withdraw your Ibotta cash from PayPal or venom.

6-Upromise

Upromise is another website that offers you cash back on shopping through their website. Getting cash back now a days is not so easy but these websites are making it easy. The process is quite simple and easy like others and the benefits that it gives are much worthy you can get cash back directly to your bank account. One other good option that Upromise is that you can transfer you cash back amount to some child Education saving accounts that will help these students to pay their fees in the coming future. Upromise is very easy to use and it is totally free used by many of people around the globe.

7-Mr. Rebates

Mr. Rebates is another cash back website like Ebates. The process of getting cash back is quite simple and easy. You just have to sign up on their website and you can start shopping and getting cash back. Your cash back is deposited in your account.This website has over 2000 online stores on their website from which you can earn cash back. The percentage of cash back depends upon the store so it would be a better idea to look into all the cask backs sites to get the most of the cash back using these tools.

8- CamelCamelCamel

CamelCamelCamel is a tool that helps you to notify and track prices of products on Amazon. You should have been shopping from Amazon as it is the world largest online. You would have noticed that prices for some certain items fluctuates to a certain ratio in some time. So to catch them you can use CamelCamelCamel tool, you will just have to put the URL of the desired product or you can also search the product manually on CamelCamelCamel. This tool will help you to give you the lowest price of the product and it will notify you when the rates are lower you can also check the history of the rate fluctuation.

9- Amazon Warehouse Deals

This section of Amazon gives the best and most discounts on some products these products are the ones that are returned by the costumers or those products that are damaged during the delivery process. Each product has a grade given by Amazon after verifying their condition you can use this option of Amazon to get some very good deals. Isn’t it is amazing?

10- PriceJump

Shopping on Amazon has made life easier for many of the people and as Amazons gives the best price but due to the mass use of the eTrade it has now many competitors that are trying to give products in less prices to obtain costumers and attract them towards their stores. Savings.com’s Price Jump tools is a tool that helps you to find the lowest price from the competitors of Amazon. You just have to put the URL or the code of the product you want to buy from Amazon ad when you put the desired information on the PriceJump it will search the best possible price from the competitors of Amazon. It is quite easy and free to use. It is relatively new than the others but they are giving the best they can.

11- Groupon

Groupon is an international eTrade website which gives its subscribers the best possible deals by directly connecting to the manufactures around the world. By subscribing to their emails you can keep yourself up to date about the daily offers that they give. Groupon is a very god option for money saving while you are shopping online because they give you the best deals on products that you will want.

12- Living Social

It is another website that gives you the best deals for shopping on goods and services. It works the same like Groupon, you have to subscribe to their emails and they will update you with the deals they are having every day, subscription is mandatory because this is the only way that these website can earn. Due to the competition between these websites you can have the best possible deals from these websites so before checking out do compare the offers on each site.

13- Craigslist

Craigslist is the most easy to use website for selling and buying products where you do not even need an account to purchase or sale anything. You can avail thousands of awesome deals and discounts on craigslist website. You can check their freebies section where people put their free items which you collect and re sell or repair. So Craigslist is always in the option for money saving whenever you are shopping online for anything you want.

14- Top Cash Back

Top Cash Back is another website to earn a healthy amount of cash back. The website is easy and simple and you can earn a lot of cash back very easily. This website claims that they give the most cash back than any other website in USA. So it is a good idea that before checking out you should also take a look of Top Cash Back because the cash back varies for every store on every website.

So these were the 14 legit tools and sites that could be used for saving money while you are shopping online. Make sure you use them all. Do not forget to comment in the comment section below and do share your experiences of getting discounts and pay backs using these tools and sites.

Have a good day!