tag:blogger.com,1999:blog-42310190824911196982024-02-20T16:55:10.358-08:00CrazyTexasSavings.comUnknownnoreply@blogger.comBlogger17125tag:blogger.com,1999:blog-4231019082491119698.post-11056130595171563692023-11-17T05:40:00.000-08:002023-11-17T06:46:14.220-08:00Stater Bros Weekly Ad (11/22/23 – 11/28/23) Early Preview<h2>Stater Bros Weekly Ad</h2>
<noscript><img alt="Stater Bros Weekly Ad" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi4cwm1dRQJ9-ZnU30Uv-v-iZZVcZt_Z6EkBi_51jsdLgx87dBf7te2u7i39hRq_4mSIFgugDDgC-RT0GTqCx5HssoOY-wZ8wBDWjol-LWtEm9LGJ1KWp45t9M0JVyB7pEnjRBNNUvXK8-wMiuuEgd0WI_5qxfbxe2jj_m54GBVmeK7k63ne0LmJ5LYxGk/s1600/Stater%20Bros%20Weekly%20Ad.webp"/></noscript>
<p>Check out the complete <strong>Stater Bros Weekly Ad</strong> for this week and the upcoming <strong>Stater Bros Ad for next week</strong>! Simply use the directional arrows to navigate through all the pages of the <strong>Stater Bros weekly ad circular</strong>.</p>
<p>Prepare for your shopping excursion in advance and organize your coupons for the early preview of the <strong>Stater Bros weekly ad this week</strong>.</p>
<h3>Stater Bros Weekly Ad Preview</h3>
<h4>Now viewing: Stater Bros Weekly Ad Preview 11/22/23 – 11/28/23</h4>
<h4>Coming Soon: Stater Bros Ad 11/29/23 - 12/5/23</h4>
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<p class="weeklyadnextweek">Stater Bros weekly ad 11/29/23 will be updated on this page.</p>
<p>The <strong>Stater Bros weekly flyer</strong> is incredibly user-friendly. The sales are neatly categorized, making it effortless to identify whether the product you're seeking is part of the <strong>Stater Bros sales for this week</strong> or not.</p>
<p>You can snag significant savings by checking out the upcoming <strong>Stater Bros ad next week</strong> and grabbing the top deals! Don't miss out on these fantastic savings in the upcoming Stater Bros weekly ad.</p>
<p>Take a look at the current <strong>Stater Bros Weekly Ad</strong>, valid for this week. The Stater Bros weekly specials and sales flyer are incredibly easy to navigate. Now, on crazytexassavings.com, you can browse through both the latest Stater Bros ad for this week and next week's ad.</p>
<p>Today, you can maximize your savings by using the Stater Bros sales ad preview when shopping at your local Stater Bros store. Did you know that in the latest Stater Bros specials this week, you can discover fantastic deals such as digital offers and coupons? Alright, go ahead and check out the sneak peek of the Stater Bros ad.</p><div class="blogger-post-footer">The best place to find weekly ads, budgeting and saving tips, visit <a href="https://www.crazytexassavings.com/">Crazy Texas Savings</a>. <a href="https://www.crazytexassavings.com/sitemap.xml">Sitemap</a>.</div>Unknownnoreply@blogger.comtag:blogger.com,1999:blog-4231019082491119698.post-57416249331391653072022-07-11T21:44:00.000-07:002022-07-11T21:44:04.631-07:0011 Types of Business Insurance That You Can Choose<div style="clear: both;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgLx_YKOC1QaezaSfEEEXwZQzqwBbKgxlUQnF9fp2pojGpbheZxLHy_hbvF6-MlhIE7QTKCVsNIGLVDanXSe5k7H5XE6Xqv24g55FZNLIVG89LS83UgnkAgrN-XqhmuPu-vHTFKvv_Q4cooS5PQXqLQqw5XPaiiPhB2W2Q9TGEWdgUJaBZfrwALMFgS/s1600/Types%20of%20Business%20Insurance.jpg" style="display: block; padding: 1em 0; text-align: center; "><img alt="Types of Business Insurance" data-original-height="752" data-original-width="1194" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgLx_YKOC1QaezaSfEEEXwZQzqwBbKgxlUQnF9fp2pojGpbheZxLHy_hbvF6-MlhIE7QTKCVsNIGLVDanXSe5k7H5XE6Xqv24g55FZNLIVG89LS83UgnkAgrN-XqhmuPu-vHTFKvv_Q4cooS5PQXqLQqw5XPaiiPhB2W2Q9TGEWdgUJaBZfrwALMFgS/s1600/Types%20of%20Business%20Insurance.jpg"/></a></div>
<p>It is like a human in which a business is so unique. You will face some problems in business. It has some unique industrial risks that you face.</p>
<div class="toc">
<input type="checkbox" role="button" id="toctoggle" class="toctoggle"><div class="toctitle">Contents<span class="toctogglespan"><label class="toctogglelabel" for="toctoggle"></label></span></div>
<ul>
<li>1 <a href="#toc1" title="Types of Business Insurance">Types of Business Insurance</a>
<ul>
<li>1.1 <a href="#toc1_1" title="Business Owner Policy">Business Owner Policy</a></li>
<li>1.2 <a href="#toc1_2" title="General Liability">General Liability</a></li>
<li>1.3 <a href="#toc1_3" title="Workers Compensation">Workers' Compensation</a></li>
<li>1.4 <a href="#toc1_4" title="Health Insurance">Health Insurance</a></li>
<li>1.5 <a href="#toc1_5" title="Business Personal Property">Business Personal Property</a></li>
<li>1.6 <a href="#toc1_6" title="Business Auto Insurance">Business Auto Insurance</a></li>
<li>1.7 <a href="#toc1_7" title="Professional Liability Insurance">Professional Liability Insurance</a></li>
<li>1.8 <a href="#toc1_8" title="Excess Liability">Excess Liability</a></li>
<li>1.9 <a href="#toc1_9" title="Cyber Liability Insurance">Cyber Liability Insurance</a></li>
<li>1.10 <a href="#toc1_10" title="Business Income Insurance">Business Income Insurance</a></li>
<li>1.11 <a href="#toc1_11" title="Criminal Insurance">Criminal Insurance</a></li>
</ul>
</li>
<li>2 <a href="#toc2" title="What Is the Most Needed Business Insurance?">What Is the Most Needed Business Insurance?</a></li>
</ul>
</div>
<p>You can gain income quickly if you apply the right strategies. It has unique things and aspects when you join a business. That is why it has no business insurance package for all.</p>
<p>You will see so many types of business insurance. You can discuss some things you found so that you can get the extra protection for your business.</p>
<h2 id="toc1">Types of Business Insurance</h2>
<p>Running a business requires insurance to protect your business. It is needed for the businessman selling pop sockets from a garage, building an apartment, and some business types.</p>
<p>Business insurance is one of the best defense strategies to protect your company. It includes some things and cases such as a robbery, wounds, medical costs, cyber-attack, legal demands, and the other cases making your business out.</p>
<p>Some coverages pay you directly to cover the events. The others pay the people that you owe for the applied claim.</p>
<p>If you know the types of business insurance, you can see the following types of business insurance before you get the best insurance types. What are the recommendations for business insurance?</p>
<h3 id="toc1_1">Business Owner Policy</h3>
<p>Business Owner Policy (BOP) is a good place to start if you want to have a small business. It is a bundling policy covering general liabilities and property insurance.</p>
<p>You can use this business insurance for savings. It is a great deal with your business future when you take this business insurance.</p>
<h3 id="toc1_2">General Liability</h3>
<p>Another business insurance type is General Liability. This business insurance is like a superhero from all coverages of your business insurance.</p>
<p>It includes some things and aspects such as property damage, legal costs, medical expenses, and physical injuries. Thus, if the customers slip on the ice in front of your building, you can break legs and demand general responsibility.</p>
<p>It covers medical and legal costs for your business. It covers your spaces and rents a company. Then, it helps you if you are responsible for the damage to your property.</p>
<p>You can protect your business and budget with the right calculation. If you have a business, you require a general liability. It is similar to Superman in that it has some weaknesses of kryptonite.</p>
<p>It doesn’t include the wounded employees in the working place or bad workmanship, professional mistakes, and accidents in the cars.</p>
<h3 id="toc1_3">Workers' Compensation</h3>
<p>Most people have heard and understood the worker compensation. It is a kind of business insurance that you can choose. It is protecting your company and workers when it has injuries in the working places.</p>
<p>The injury cases are getting slipped, breaking legs, and some minor cases. Most states need you to cover worker’s compensation.</p>
<p>If you have few workers, you still require the use of workers’ compensation. It covers;</p>
<ul>
<li>Medical expenses for injured workers</li>
<li>Lawsuits to you and your companies</li>
<li>Lost salary if the workers miss work</li>
<li>Physical therapies</li>
<li>Funeral costs for the bad scenarios</li>
<li>Without workers’ compensation, you need to pay those costs from your fund to run your business.</li>
</ul>
<br/>
<h3 id="toc1_4">Health Insurance</h3>
<p>Health insurance is a kind of other business insurance that you can add to cover health workers' costs. It is a great way to attract and maintain workers.</p>
<p>Even, it has a health treatment tax credit for small businesses. You can benefit from it to cover your worker’s health.</p>
<h3 id="toc1_5">Business Personal Property</h3>
<p>One of the types of business insurance is Business Personal Property. It is claimed to protect your goods like inventory, tools, office tools, computers, heavy machines, furniture items, and others.</p>
<p>It includes buildings to owe or rent. If it burns and you lose buildings full of inventory, it doesn’t damage. However, it is not working to help earthquakes and floods.</p>
<p>It requires flood insurance and an earthquake for your business. If you run your business from home, don’t regard your goods included in your insurance policies.</p>
<h3 id="toc1_6">Business Auto Insurance</h3>
<p>If you have auto vehicles to complete your business, you can pay premium rates for auto insurance. You still require the use of auto insurance for your business.</p>
<p>The personal auto policies will not cover the usage of your business. You can also get commercial auto coverage. Thus, if your truck is stuck, you can use auto insurance to make it on the road.</p>
<p>You need to learn some policies and things included in a business auto insurance before you choose the right auto insurance.</p>
<h3 id="toc1_7">Professional Liability Insurance</h3>
<p>What is another type of business insurance to have? You can choose Professional Liability Insurance. It is called errors and omission insurance.</p>
<p>It protects your business if you work in a professional service industry. You can consult an accountant if you want to select this insurance.</p>
<p>If someone demands you to submit a claim for ignored work, you don’t get trapped to pay your lawsuit costs.</p>
<p>The insurance will cover your lawsuit. It is essential to have this business insurance for your company and business.</p>
<h3 id="toc1_8">Excess Liability</h3>
<p>Are you worried about the claim or lawsuit going above the limit of your insurance policies? It is the right time to include an excess liability.</p>
<p>It is an extra responsibility to add to your policies. It increases the limit of insurance companies covering your damage or workers. It is responsible for protection included in excess liability insurance.</p>
<h3 id="toc1_9">Cyber Liability Insurance</h3>
<p>A digital threat is a huge problem today. You can protect your digital business with cyber liability insurance. You will get protection in the new Wild West from cyber.</p>
<p>It handles the related cost of data hacks and customers’ leaked data. If you run your business on cloud storage or server, you can see the digital or virtual liability.</p>
<h3 id="toc1_10">Business Income Insurance</h3>
<p>A business income is often called a business disturbance including the lost income if your business is down. It is like a tornado swirl destroying your main building if you lose your income for months.</p>
<p>You need to build back your inventory. This insurance covers those unpredictable events in your business while you keep trying to restore your business financial condition.</p>
<h3 id="toc1_11">Criminal Insurance</h3>
<p>Running a business requires extra protection. It will have some unpredictable cases for running a business. Crime is the most potential case that you face.</p>
<p>You need to use crime insurance to protect your business from criminal cases such as robbery, fraud, theft, and forgery. It doesn’t care if it is conducted by employees or non-employees.</p>
<h2 id="toc2">What Is the Most Needed Business Insurance?</h2>
<p>Most states need you to have workers' compensation. If you have more than 50 employees, you need to provide health insurance.</p>
<p>In some states, accountants require professional liability insurance to cover all aspects.</p>
<p>You must read the legal documents carefully for every state and work with the independent agents to direct you correctly. It is helpful to get the right types of business insurance now.</p><div class="blogger-post-footer">The best place to find weekly ads, budgeting and saving tips, visit <a href="https://www.crazytexassavings.com/">Crazy Texas Savings</a>. <a href="https://www.crazytexassavings.com/sitemap.xml">Sitemap</a>.</div>Unknownnoreply@blogger.comtag:blogger.com,1999:blog-4231019082491119698.post-16124882154993488442022-07-10T19:27:00.002-07:002022-07-10T19:27:31.645-07:006 Tips To Save on Car Insurance<div style="clear: both;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjE9AVu7E6X7O7frp_t_8DtAPicl-ljyvk3d2yKPnLpNKWUMeqmoGDrq0zJQ7ipxPovPJbL4cWaRfym7VLYiKRHQoBfBbVQWRZeaVyZ5RAJcgbHmEM8H3u3H1MKafu3ty2bZvwtOp1HlMGHsBNged-Co8MJG44FOUCm0UI8Flblz0Hpzh1z7WzG9254/s1600/Tips%20To%20Save%20on%20Car%20Insurance.jpg" style="display: block; padding: 1em 0; text-align: center; "><img alt="How to save on car insurance" data-original-height="814" data-original-width="1379" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjE9AVu7E6X7O7frp_t_8DtAPicl-ljyvk3d2yKPnLpNKWUMeqmoGDrq0zJQ7ipxPovPJbL4cWaRfym7VLYiKRHQoBfBbVQWRZeaVyZ5RAJcgbHmEM8H3u3H1MKafu3ty2bZvwtOp1HlMGHsBNged-Co8MJG44FOUCm0UI8Flblz0Hpzh1z7WzG9254/s1600/Tips%20To%20Save%20on%20Car%20Insurance.jpg"/></a></div>
<p>Currently, economic inflation has hit almost all countries in the world. With inflation, it is not impossible that there will be an increase in the prices of various basic needs. One of the things that could be affected is the price of 2022 car insurance premiums.</p>
<div class="toc">
<input type="checkbox" role="button" id="toctoggle" class="toctoggle"><div class="toctitle">Contents<span class="toctogglespan"><label class="toctogglelabel" for="toctoggle"></label></span></div>
<ul>
<li>1 <a href="#toc1" title="What is Inflation?">What is Inflation?</a>
<ul>
<li>1.1 <a href="#toc1_1" title="Why are car insurance rates increasing?">Why are car insurance rates increasing?</a></li>
</ul>
</li>
<li>2 <a href="#toc2" title="How to save on car insurance">How to save on car insurance</a>
<ul>
<li>2.1 <a href="#toc2_1" title="Look for Insurance with Premiums According to Your Financials">Look for Insurance with Premiums According to Your Financials</a></li>
<li>2.2 <a href="#toc2_2" title="Start Using Public Transportation">Start Using Public Transportation</a></li>
<li>2.3 <a href="#toc2_3" title="Increase Own Risk Cost">Increase Own Risk Cost</a></li>
<li>2.4 <a href="#toc2_4" title="Choose Insurance as Needed">Choose Insurance as Needed</a></li>
<li>2.5 <a href="#toc2_5" title="Considering Vehicles As Needed">Considering Vehicles As Needed</a></li>
<li>2.6 <a href="#toc2_6" title="Combining Insurance">Combining Insurance</a></li>
</ul>
</li>
</ul>
</div>
<p>But don’t panic because there is good news. With a few simple strategies, you may be able to pay less for auto insurance and save more of your money on other needs.</p>
<p>Before we get into the subject. Let’s explore first, what is inflation?</p>
<h2 id="toc1">What is Inflation?</h2>
<p>Inflation is a condition when the price of goods rises. For example, you used to be able to enjoy a cup of coffee in a coffee shop for only 5,000, now you have to pay 3 to 4 times the previous price.</p>
<h3 id="toc1_1">Why are car insurance rates increasing?</h3>
<p>Car insurance is a necessary expense for every vehicle owner. Premium increases can be surprising and financially challenging, especially for those who are already paying higher-than-average rates.</p>
<p>However, keep in mind that premium rates are highly personalized. Your premium depends on your individual assessment factors such as the type of vehicle you drive, your driving history and claims, and the type and level of coverage you choose.</p>
<p>Several things that affect the value of protection are the determining factors. The main factors that determine the nominal premium for car insurance are the type of vehicle and the year of manufacture of the vehicle.</p>
<p>The younger the age of the vehicle, the less the premium paid. Because the components or spare parts are still easy to get. However, this is not a benchmark, because the type of vehicle also has an effect.</p>
<p>Insurance premiums are calculated on a risk basis, so the lower your risk, the less premium you will have to pay.</p>
<p>In addition, the use of the vehicle you want to insure is also a determining factor. This is because the risks for vehicles used personally will be different from vehicles used for official or commercial use.</p>
<p>Location also determines the value of insurance premiums. For those of you who live in densely populated areas, you will be subject to a heavier insurance burden because this congested location makes the car more susceptible to accidents, theft, or car damage.</p>
<p>Then, the older the car, the higher the premium cost. The factor of scarcity of spare parts is also included which makes the cost of old car insurance higher.</p>
<p>The last, the more expansions you list, the higher your premium will be. A complete warranty will cost more.</p>
<h2 id="toc2">How to save on car insurance</h2>
<h3 id="toc2_1">Look for Insurance with Premiums According to Your Financials</h3>
<p>If the insurance company you chose last year began preparing to increase the rate of its premiums, consider looking for another insurance company that offers lower premiums.</p>
<p>Remember that car insurance companies are always trying to attract as many new customers as possible, this will certainly lead to competition between them, which in turn will lead to competitive premium prices and services.</p>
<p>In this case, customers can benefit, you can search for information about this so you can get the best insurance products at a more friendly price.</p>
<p>However, what needs to be understood is that cheap car insurance premiums usually don't lead to good service. You have to find out in more detail about the services you can get from the price you pay so as not to get disappointed and regret in the end.</p>
<h3 id="toc2_2">Start Using Public Transportation</h3>
<p>Want to save on car insurance in 2022? You can switch to using the mass transportation modes available in your area.</p>
<p>By regularly using public transportation, you can divert your budget to pay for car insurance to other more important things, as well as support government programs to reduce congestion and reduce pollution due to the use of private vehicles.</p>
<h3 id="toc2_3">Increase Own Risk Cost</h3>
<p>Every time there is a risk that must be borne by the insurance company, you have to pay your own risk or deductible fee – a fee that must be paid by the customer each time you submit a claim, to cover the cost of repairing a damaged car.</p>
<p>Usually, the high and low cost of the deductible also affects the value of the premium paid. So, the higher the own risk or deductible, the lower the premium paid.</p>
<p>On the other hand, the lower the cost of own risk, the higher the premium value. If you see yourself as a careful, law-abiding and not reckless driver of a vehicle, increasing the cost of the deductible could be the right choice for you.</p>
<h3 id="toc2_4">Choose Insurance as Needed</h3>
<p>This is the importance of knowing the services of the insurance product that you have. In today’s car insurance policies usually have many protection clauses, many of which cannot or are not possible to be maximized.</p>
<p>In a number of locations, towing services that are included in the car insurance coverage are usually not available, or road emergency assistance, even temporary car replacement, and many others.</p>
<p>Therefore, to be able to maximize coverage options and minimize premium costs that can be incurred, you can negotiate and determine the right price to suit your needs.</p>
<h3 id="toc2_5">Considering Vehicles As Needed</h3>
<p>Did you know that used cars have lower insurance premiums than newer cars? If your goal of owning a car is more for its functional value, and not because of lifestyle demands, you might consider replacing your vehicle with a more functional one to get a lower premium.</p>
<h3 id="toc2_6">Combining Insurance</h3>
<p>One way to save on the budget for insurance needs is to combine the insurance you have in one price package. For example, you can buy property and car insurance packages from the same company.</p>
<p>Usually, you will get a premium payment discount, which is adjusted to the property and vehicle you own.</p>
<p>Don’t let rising prices, inflation, and insurance premiums discourage you. Take control of your budget and you can save on your car insurance premiums. Have a nice Day.</p><div class="blogger-post-footer">The best place to find weekly ads, budgeting and saving tips, visit <a href="https://www.crazytexassavings.com/">Crazy Texas Savings</a>. <a href="https://www.crazytexassavings.com/sitemap.xml">Sitemap</a>.</div>Unknownnoreply@blogger.comtag:blogger.com,1999:blog-4231019082491119698.post-81996173390753750732022-06-29T20:00:00.000-07:002022-06-29T20:00:09.072-07:00Are You Using an Electric Car? Here's The Benefits of Using Car Insurance<div class="separator" style="clear: both;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg5oh1feuHiYQr7SjyphyFKLHaI2V6enHN5G6oS0VhoE1XX4w7f7JtTGSrYkOWjcKmBEtaJX7FB3cb4g_ohs1G4qUXU_lm6bHMmMTi-6bKfXAeTLZVXWrSwqbT2UY_-Oz5eEncyipYzJFo9SgO3dCa0_sFekZ7-8i0OMSeQE67EjY_4WUYge4iDAKun/s1600/Electric%20Car%20Insurance.jpg" style="display: block; padding: 1em 0; text-align: center; "><img alt="" border="0" data-original-height="628" data-original-width="1200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg5oh1feuHiYQr7SjyphyFKLHaI2V6enHN5G6oS0VhoE1XX4w7f7JtTGSrYkOWjcKmBEtaJX7FB3cb4g_ohs1G4qUXU_lm6bHMmMTi-6bKfXAeTLZVXWrSwqbT2UY_-Oz5eEncyipYzJFo9SgO3dCa0_sFekZ7-8i0OMSeQE67EjY_4WUYge4iDAKun/s1600/Electric%20Car%20Insurance.jpg"/></a></div>
<p>If you use an electric car, then you will probably agree that a car is a vehicle that deserves to be insured, because it has a fairly high value.</p>
<div class="toc">
<input type="checkbox" role="button" id="toctoggle" class="toctoggle"><div class="toctitle">Contents<span class="toctogglespan"><label class="toctogglelabel" for="toctoggle"></label></span></div>
<ul>
<li>1 <a href="#toc1" title="Here's the benefits of having insurance">Here's the benefits of having insurance</a>
<ul>
<li>1.1 <a href="#toc1_1" title="Guarantee Your Vehicle Protection">Guarantee Your Vehicle Protection</a></li>
<li>1.2 <a href="#toc1_2" title="Helping Financial Planning">Helping Financial Planning</a></li>
<li>1.3 <a href="#toc1_3" title="A Sense of Security">A Sense of Security</a></li>
<li>1.4 <a href="#toc1_4" title="To Avoid Vehicle Devaluation">To Avoid Vehicle Devaluation</a></li>
<li>1.5 <a href="#toc1_5" title="Additional Service Features">Additional Service Features</a></li>
</ul>
</li>
<li>2 <a href="#toc2" title="Why Is Electric Vehicle Insurance More Expensive?">Why Is Electric Vehicle Insurance More Expensive?</a></li>
<li>3 <a href="#toc3" title="Ways to Save on Electric Car Insurance">Ways to Save on Electric Car Insurance</a>
<ul>
<li>3.1 <a href="#toc3_1" title="Check if there are any discounts.">Check if there are any discounts.</a></li>
<li>3.2 <a href="#toc3_2" title="Get the Best Insurance Coverage">Get the Best Insurance Coverage</a></li>
<li>3.3 <a href="#toc3_3" title="Electric Car Needs to Be Handled by Reliable Mechanics">Electric Car Needs to Be Handled by Reliable Mechanics</a></li>
</ul>
</li>
</ul>
</div>
<p>Having insurance will free you from the extra costs that must be incurred when there is damage to your car because it will be covered by the electric car insurance.</p>
<p>There is also the option of extending insurance coverage that can cover the losses of third parties involved in an accident. Insurance also guarantees cars that are victims of floods or riots according to the applicable terms and conditions.</p>
<p>Not only conventional cars, several insurance companies are even developing electric car insurance, which reportedly will have higher premiums than conventional car insurance.</p>
<p>The emergence of environmentally friendly vehicles or electric cars, has made many insurance companies also develop electric car insurance products.</p>
<p>When you are trying to figure out how much car insurance you need for a regular vehicle can be a little complicated, here’s good news: electric car insurance is not any more complicated than the standard auto insurance policy.</p>
<p>You might be checking your budget and wondering now, how much is an electric car going to cost to insure?</p>
<p>Well, it’s going to cost you a bit more. Electric car insurance is usually more expensive than the cost to insure any average vehicle.</p>
<p>For example, the average six-month premium for a Hyundai Ioniq costs $891, while a six-month premium for a Tesla Model S costs up to $1,142.1 But the money you save on gas and other maintenance could offset some of those higher insurance premiums.</p>
<p><b>Electric Cars Also Need Protection</b><br/>
Even though it's just a plan and hasn't started yet, car insurance products are believed to be able to provide a good market niche for the vehicle industry.</p>
<p>This is because electric vehicles, including electric cars, still require insurance protection and they also have risks.</p>
<p>In addition, electric car insurance and conventional car insurance are also not much different. Where the amount of premiums to the protection benefits that will be received, from electric vehicles may not be much different from others.</p>
<h2 id="toc1">Here's the benefits of having insurance:</h2>
<h3 id="toc1_1">Guarantee Your Vehicle Protection</h3>
<p>Insurance will provide protection for your car for losses experienced, ranging from losses in the form of car damage due to accidents or crimes of theft.</p>
<p>Understand the vehicle insurance types that you need, by choosing the right type of vehicle insurance, you can feel its benefits in the future.</p>
<h3 id="toc1_2">Helping Financial Planning</h3>
<p>When you have an accident and it does damage to your electric car, you will need money to repair the damage.</p>
<p>The advantage of using car insurance is that you no longer have to worry about the amount of costs that must be borne, because the insurance company will cover it based on the applicable policy.</p>
<p>In this way, your financial condition will be more stable and you can allocate it for other urgent interests.</p>
<h3 id="toc1_3">A Sense of Security</h3>
<p>Having car insurance can create a sense of security for you as the car owner, where you no longer need to worry when driving your car on the road.</p>
<p>Even so, you still has to be careful so as not to get into an accident that might threaten your life or other drivers around you.</p>
<h3 id="toc1_4">To Avoid Vehicle Devaluation</h3>
<p>Another benefit is that having insurance prevents you from devaluing the vehicle. In this case, several auto insurance policies can help with the value and age of the vehicle.</p>
<p>So that it can avoid devaluation. Especially when the car is hit by a flood or other unexpected natural disaster that lowers the selling price of the car. Furthermore, it can also lower losses and save you more money in the long run.</p>
<h3 id="toc1_5">Additional Service Features</h3>
<p>Another great benefit of car insurance is that it offers various discounts on car products and accessories such as discounts on car washes or the purchase of other car equipment.</p>
<p>Having car insurance may seem expensive, but consider it in terms of needs, the risks that lurk, and the benefits offered. In addition, make sure that the monthly cost of your car insurance is in accordance with your budget.</p>
<h2 id="toc2">Why Is Electric Vehicle Insurance More Expensive?</h2>
<p><b>There are two main reasons for this:</b><br/>
Electric vehicles usually cost more than traditional vehicles such as cars or trucks. The more it costs to replace a vehicle, the higher your electric car insurance.</p>
<p>It costs more to repair an electric car. If the batteries are damaged, it can cost over $15,000 to replace. And they can also get damaged even in minor accidents.</p>
<p>Plus, not all vehicle mechanics can work on electric cars. So you might pay more for repairs.</p>
<h2 id="toc3">Ways to Save on Electric Car Insurance</h2>
<p>There are ways to save on electric car insurance, one of them is to keep your driving record as clean as possible and also practice defensive driving.</p>
<h3 id="toc3_1">Check if there are any discounts.</h3>
<p>Ask your insurance company if they offer some electric car discounts. You can also look for rebates or tax credits and see if you qualify for the state or federal electric vehicle rebates or tax credits.</p>
<h3 id="toc3_2">Get the Best Insurance Coverage</h3>
<p>Looking for the right insurance that suits you can be hard. That’s why it is essential to find a network of local, independent insurance agents who can shop insurance rates for you.</p>
<p>They’ll look at your unique situation and find you the best coverage at the best price.</p>
<h3 id="toc3_3">Electric Car Needs to Be Handled by Reliable Mechanics</h3>
<p>In addition to the battery, which is the most expensive component in an electric car, the thing that makes electric car insurance premiums expensive is also because electric car components are imported directly from abroad and electric cars must be handled by professional mechanics.</p>
<p>This is the reason why certain technicians or those with special skills are allowed to deal with the damage of electric cars. In fact, several insurance companies plan to prepare a special electric car repair shop.</p>
<p>So, it could be that the insurance premiums for electric vehicles and conventional cars can be equal. However, this is seen again from the condition of the damage of the car itself.</p><div class="blogger-post-footer">The best place to find weekly ads, budgeting and saving tips, visit <a href="https://www.crazytexassavings.com/">Crazy Texas Savings</a>. <a href="https://www.crazytexassavings.com/sitemap.xml">Sitemap</a>.</div>Unknownnoreply@blogger.comtag:blogger.com,1999:blog-4231019082491119698.post-49336188324144396812022-06-24T21:23:00.000-07:002022-06-24T21:23:18.630-07:00How to Cancel A Credit Card the Right Way<div style="clear: both;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgKOt7LTt6tN_e8qNOL6f5qeFvn_GMD_LnUppod1VB1GyEkF5l0Kcimdqw9Q-T9NNN4ogYEB4vCKagfUtxwgvuEXZo7GtjmB1GOHhAA4ohrsZnWTU3B_jE1Q6ztTBc8mbjFQkg0sdCr-YXw-LiwPsFYh4AMPefsBi-WJwutytaP83MDHhPkwgZWDDfC/s1600/How%20to%20Cancel%20a%20Credit%20Card.jpg" style="display: block; padding: 1em 0; text-align: center; "><img alt="How to Cancel a Credit Card" data-original-height="484" data-original-width="890" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgKOt7LTt6tN_e8qNOL6f5qeFvn_GMD_LnUppod1VB1GyEkF5l0Kcimdqw9Q-T9NNN4ogYEB4vCKagfUtxwgvuEXZo7GtjmB1GOHhAA4ohrsZnWTU3B_jE1Q6ztTBc8mbjFQkg0sdCr-YXw-LiwPsFYh4AMPefsBi-WJwutytaP83MDHhPkwgZWDDfC/s1600/How%20to%20Cancel%20a%20Credit%20Card.jpg"/></a></div>
<p>When we talk about how to cancel a credit card, there are various reasons to understand before doing it. Whether because you want to split up, have no desire to pay the fees, the card is no longer making sense, you’re done with the debt, or the card has been used fraudulently.</p>
<div class="toc">
<input type="checkbox" role="button" id="toctoggle" class="toctoggle"><div class="toctitle">Contents<span class="toctogglespan"><label class="toctogglelabel" for="toctoggle"></label></span></div>
<ul>
<li>1 <a href="#toc1" title="Should you cancel a credit card?">Should you cancel a credit card?</a>
<ul>
<li>1.1 <a href="#toc1_1" title="Pay off the remaining balance">Pay off the remaining balance</a></li>
<li>1.2 <a href="#toc1_2" title="Redeem any rewards">Redeem any rewards</a></li>
<li>1.3 <a href="#toc1_3" title="Call your credit card company, bank, or issuer">Call your credit card company, bank, or issuer</a></li>
<li>1.4 <a href="#toc1_4" title="Send a cancellation letter">Send a cancellation letter</a></li>
<li>1.5 <a href="#toc1_5" title="Check your credit report">Check your credit report</a></li>
<li>1.6 <a href="#toc1_6" title="Destroy your old card">Destroy your old card</a></li>
</ul>
</li>
<li>2 <a href="#toc2" title="How to Cancel A Credit Card Online">How to Cancel A Credit Card Online</a></li>
<li>3 <a href="#toc3" title="How to Cancel A Credit Card Payment">How to Cancel A Credit Card Payment</a></li>
<li>4 <a href="#toc4" title="How to Cancel A Credit Card Application">How to Cancel A Credit Card Application</a></li>
<li>5 <a href="#toc5" title="How to Cancel A Credit Card Without Hurting Your Credit">How to Cancel A Credit Card Without Hurting Your Credit</a></li>
<li>6 <a href="#toc6" title="How to Cancel A Credit Card Purchase">How to Cancel A Credit Card Purchase</a></li>
</ul>
</div>
<p>Closing or canceling a credit card, though, isn’t as simple as cutting it in half. There are some requirements you need to follow to make sure your account is closed properly. After all, you don't want to incur any fees or lose the rest of the rewards.</p>
<h2 id="toc1">Should you cancel a credit card?</h2>
<p>Experts generally advise you not to cancel a credit card as it can harm your credit score. But if you are being charged high annual fees or interest rates, closing your credit card can be beneficial.</p>
<p>If you're looking for information on how to cancel a credit card or how to cancel a credit card that was never activated, take a minute to evaluate your decision to ensure it's a smart choice.</p>
<p>Keep in mind that if your card has no annual fee, then there’s no harm to keep it open. But if you lose money on the card, you can contact the card issuer and ask if you can switch to a credit card without an annual fee.</p>
<h3 id="toc1_1">1. Pay off the remaining balance</h3>
<p>Before canceling your card, pay off your credit card balance in full. While you may be able to close an account with a balance, paying it off in full is recommended. It ensures you do not forget your balance or get charged.</p>
<p>You may also consider completing the balance transfer before closing your card. The remaining debt can be transferred to a balance transfer credit card which offers up to 21 months without interest.</p>
<p>After paying off the balance, make sure you also renew your subscription and automatic payments to the new card. These payments will not be approved once your account is closed, and you may risk service interruptions or fees from the billing company. In case you don't have a rewards card, head right away to step three.</p>
<h3 id="toc1_2">2. Redeem any rewards</h3>
<p>If you’re learning how to cancel a credit card and the card has rewards, any unused cash back, points, or miles may be forfeited upon account closure.</p>
<p>It's a good idea to redeem or transfer the rewards before closing your account so you don't lose the rewards you've earned.</p>
<h3 id="toc1_3">3. Call your credit card company, bank, or issuer</h3>
<p>To learn more about how to cancel a credit card, make sure to double-check that there is no balance left in your account. If you carry a balance from month to month, there may be residual interest.</p>
<p>Once you've made sure the balance is zero, tell the representative that you want to permanently close your account. The representative may try to dissuade you or offer a retention offer, but it's ultimately your decision, so re-confirm that you want to cancel your account.</p>
<p>Let the representative know that you want to note that the account was closed at your request, which ensures that your account will not appear closed by default.</p>
<p>Make sure you have important information, such as the date and time you requested the cancellation, the name of the person you spoke to, as well as the mailing address for sending the written cancellation letter.</p>
<h3 id="toc1_4">4. Send a cancellation letter</h3>
<p>One of the keys to this article on how to cancel a credit card is sending the cancellation letter. It may seem old-fashioned to send a cancellation letter after you've just called, but it's an important step that shouldn't be overlooked.</p>
<p>Chances are it's the representative you spoke to close your account, but there's always the possibility of a mistake or a computer glitch.</p>
<p>Follow up with a short letter to your card issuer stating your desire to close the credit card. State that you want the account to be “closed at the customer's request” and include important information, such as name, phone number, address, account number, and the details of your call with the bank representative.</p>
<p>As an added layer of protection, send the letter by certified mail so you can prove it was delivered. You can also request written confirmation that your account has been closed with a zero balance.</p>
<h3 id="toc1_5">5. Check your credit report</h3>
<p>In learning how to cancel a credit card, you need to be patient as it can take a month or more for your credit report to reflect the canceled credit card.</p>
<p>Once you see the closed account on your credit report, verify that the reason for the closure is "closed at customer request," or something similar. If the reason is different, such as “closed by the issuer,” call your bank to resolve the mistake as it could potentially harm your credit score.</p>
<h3 id="toc1_6">6. Destroy your old card</h3>
<p>Once your account is officially closed, the last step is to destroy your card. This can be done by simply putting your card in a shredder, or you can also cut it into pieces.</p>
<p>In case your card is made of metal instead of plastic, these ways won’t work. You can contact your bank and request a prepaid envelope that you can use to mail your old card back. Your bank will safely dispose of it once you receive your card.</p>
<h2 id="toc2">How to Cancel A Credit Card Online</h2>
<p>Some banks offer customers the option of submitting a credit card cancellation request online.</p>
<p>To make a request online, you need to visit the bank's website, fill out the form, and submit the request. Once the request is made, a bank representative will call to confirm the cancellation request.</p>
<h2 id="toc3">How to Cancel A Credit Card Payment</h2>
<p>You can notify the card issuer by phone, email, or mail. Your card issuer has no right to force you to ask the company to take payment in advance.</p>
<p>They have to stop the payment if you ask for it. If you request to stop payments, the card issuer must investigate each case at its discretion.</p>
<h2 id="toc4">How to Cancel A Credit Card Application</h2>
<p>Once you realize that you need to cancel your credit card application, contact the credit issuer's customer service line. You need to speak to a representative and ask them to cancel your application.</p>
<h2 id="toc5">How to Cancel A Credit Card Without Hurting Your Credit</h2>
<p>Credit cards can be canceled without damaging your credit score; keep in mind that paying credit card balances in advance (not just those you cancel) is key. Closing a billing card will not affect your credit history.</p>
<h2 id="toc6">How to Cancel A Credit Card Purchase</h2>
<p>If you know that a credit card transaction is legal, but you want to cancel it because you changed your mind or made a purchase by mistake, take your request directly to the merchant who made the transaction.</p><div class="blogger-post-footer">The best place to find weekly ads, budgeting and saving tips, visit <a href="https://www.crazytexassavings.com/">Crazy Texas Savings</a>. <a href="https://www.crazytexassavings.com/sitemap.xml">Sitemap</a>.</div>Unknownnoreply@blogger.comtag:blogger.com,1999:blog-4231019082491119698.post-74601273665151438812022-06-17T03:12:00.001-07:002022-06-17T03:12:47.300-07:00How to Get Out of Debt? Here are Tips and How to Get Out of Debt<div style="clear: both;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhthIlZfRg9ug26uV-XWYpFN2I1BfDD8i2UmzxzkCTi5B9w729jSQek-XS15i3Z52XPiS-MNBfIoSDkSyMR8Ekwu95DF10dDqi5jMM7xRo8yOqmUeD4D3PJjNU_WUaM7o74UlUtHHMcOfG2ndrsTNDUbpTuDTCTJCMQXcHJ_N1wWaeMgMl38v5hnq88/s1600/How%20to%20Get%20Out%20of%20Debt.jpg" style="display: block; padding: 1em 0; text-align: center; "><img alt="How to Get Out of Debt" data-original-height="501" data-original-width="887" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhthIlZfRg9ug26uV-XWYpFN2I1BfDD8i2UmzxzkCTi5B9w729jSQek-XS15i3Z52XPiS-MNBfIoSDkSyMR8Ekwu95DF10dDqi5jMM7xRo8yOqmUeD4D3PJjNU_WUaM7o74UlUtHHMcOfG2ndrsTNDUbpTuDTCTJCMQXcHJ_N1wWaeMgMl38v5hnq88/s1600/How%20to%20Get%20Out%20of%20Debt.jpg"/></a></div>
<p>How to be free from debt? It's easy to pretend everything is OK when you're in debt. Until it finally catches up to you.</p>
<div class="toc">
<input type="checkbox" role="button" id="toctoggle" class="toctoggle"><div class="toctitle">Contents<span class="toctogglespan"><label class="toctogglelabel" for="toctoggle"></label></span></div>
<ul>
<li>1 <a href="#toc1" title="How to Get Out of Debt">How to Get Out of Debt</a>
<ul>
<li>1.1 <a href="#toc1_1" title="Using the Debt Snowball Strategy to Get Out of Debt">Using the Debt Snowball Strategy to Get Out of Debt</a></li>
</ul>
</li>
<li>2 <a href="#toc2" title="Be Free from The Best Strategy with Frugal Living and Smart Shopping.">Be Free from The Best Strategy with Frugal Living and Smart Shopping.</a>
<ul>
<li>2.1 <a href="#toc2_1" title="Separate the coupons.">Separate the coupons.</a></li>
<li>2.2 <a href="#toc2_2" title="Consider going consignment shopping.">Consider going consignment shopping.</a></li>
<li>2.3 <a href="#toc2_3" title="Unplug the cable.">Unplug the cable.</a></li>
<li>2.4 <a href="#toc2_4" title="Avoid eating out.">Avoid eating out.</a></li>
<li>2.5 <a href="#toc2_5" title="Only buy what's on your grocery list.">Only buy what's on your grocery list.</a></li>
<li>2.6 <a href="#toc2_6" title="Stay away from pricey hobbies.">Stay away from pricey hobbies.</a></li>
</ul>
</li>
<li>3 <a href="#toc3" title="Be Free from Debt with Dave Ramsey’s Suggestions">Be Free from Debt with Dave Ramsey’s Suggestions</a>
<ul>
<li>3.1 <a href="#toc3_1" title="Find a Part-Time Job">Find a Part-Time Job</a></li>
<li>3.2 <a href="#toc3_2" title="Sell the vehicle!">Sell the vehicle!</a></li>
<li>3.3 <a href="#toc3_3" title="Cut your credit cards in half.">Cut your credit cards in half.</a></li>
<li>3.4 <a href="#toc3_4" title="Make use of the envelope method.">Make use of the envelope method.</a></li>
<li>3.5 <a href="#toc3_5" title="Do not invest.">Do not invest.</a></li>
<li>3.6 <a href="#toc3_6" title="Stop comparing yourself to others.">Stop comparing yourself to others.</a></li>
<li>3.7 <a href="#toc3_7" title="Inform the children that you are on a budget.">Inform the children that you are on a budget.</a></li>
</ul>
</li>
</ul>
</div>
<p>Debt is, indeed, stupid. stupid. And tackling it head-on is the only way to get rid of it.</p>
<p>It only stays "hidden" for so long, no matter how much you'd like to bury your head in the sand and pretend it's not there.</p>
<p>You've come to the perfect site if you're wondering how to get out of debt (for good). We have some suggestions to help you pay off your debt faster.</p>
<h2 id="toc1">How to Get Out of Debt?</h2>
<h3 id="toc1_1">Using the Debt Snowball Strategy to Get Out of Debt</h3>
<p>Beginning with Baby Set aside $1,000 for an emergency fund. You should not use money in your savings account. Only use this money in an emergency!</p>
<p>Now is the moment to fully commit to Baby Step 2: employing the debt snowball strategy to pay off all of your debt (excluding the house).</p>
<b>The following is how it works:</b>
<ol>
<li>List your debts in order of their size, independent of the interest rate.</li>
<li>You can choose the lowest debt with the lowest minimum bill.</li>
<li>When you've paid off your smallest debt, apply that payment to your next-smallest loan.</li>
<li>As you work your way out of debt, keep this strategy in mind.</li>
</ol>
<p>Some people may need a few months to do all the steps above, while others take a few years.</p>
<p>You may face different difficulties in doing some steps above. Don't give up—you've got him!</p>
<h2 id="toc2">Be Free from The Best Strategy with Frugal Living and Smart Shopping.</h2>
<h3 id="toc2_1">1. Separate the coupons.</h3>
<p>You've undoubtedly heard it a thousand times, but do you follow it? Simply showing a coupon to the cashier can save you a lot of money.</p>
<p>Just be sure you're utilizing coupons for stuff you already buy; otherwise, you could end up splurging on things you won't use.</p>
<h3 id="toc2_2">2. Consider going consignment shopping.</h3>
<p>Children grow fast and they will need new clothes quickly. And, let's face it, going into debt to buy a new outfit isn't worth it.</p>
<p>Look for thrift and secondhand shops in your area that sell used clothing in good shape. If you prefer to buy online, online thrift shops like Swap.com.</p>
<p>It is a fantastic place to get affordable adult and children's apparel.</p>
<h3 id="toc2_3">3. Unplug the cable.</h3>
<p>Welcome to the new millennium, when most of your favorite shows are available to watch online. If you haven't already, cut the cord!</p>
<p>Put $100 of your monthly cable bill toward your debt and watch how quickly it grows.</p>
<h3 id="toc2_4">4. Avoid eating out.</h3>
<p>We understand. It's a lot easier to go to a restaurant or drive-through than it is to prepare meals at home.</p>
<p>However, while you love the pleasure of not having to cook for those picky eaters, you are spending far more money eating out than you would if you ate at home.</p>
<p>Instead of meeting up at a restaurant, bring your pals over for taco night.</p>
<h3 id="toc2_5">5. Only buy what's on your grocery list.</h3>
<p>Make a to-do list and follow it! While browsing the aisles, use the calculator software on your phone to ensure you stay under your budget.</p>
<p>Do you always end up with impulse purchases in your cart? Try ordering groceries online and picking them up at the store's curbside. Oh, and never shop when you're hungry!</p>
<h3 id="toc2_6">6. Stay away from pricey hobbies.</h3>
<p>Do you have $200 to spend on golf every month? Are you joking? But it's not just golfers who should reconsider their membership fees.</p>
<p>Do you spend a lot of money at craft stores but never start your project? Home improvement stores can sometimes cost you a lot of money in a single trip.</p>
<h2 id="toc3">Be Free from Debt with Dave Ramsey’s Suggestions</h2>
<p>You can also use other Dave Ramsey’s suggestions to be free from debt. Make a spending plan!</p>
<p>You can't achieve any financial objective without a budget! That is why it is critical to creating a budget each month (before the month begins).</p>
<p>EveryDollar's premium edition will have you budgeting like a pro in no time. It not only connects to your bank account but also allows you to track your spending and manage your debt in real-time.</p>
<h3 id="toc3_1">1. Find a Part-Time Job</h3>
<p>Not interested in launching your own company? Then think of a new side venture. Become a Lyft or Uber driver. Deliver pizzas at night to supplement your income.</p>
<p>Working with Uber Eats or Grubhub in your leisure time allows you to deliver other types of cuisine. It's a tiny price to pay for some extra cash.</p>
<h3 id="toc3_2">2. Sell the vehicle!</h3>
<p>A new car's average monthly cost is $570. That's completely insane! Consider how much faster your debt snowball would travel if you put $570 toward it every month.</p>
<h3 id="toc3_3">3. Cut your credit cards in half.</h3>
<p>'Shred' them. Burn them all. Shoot them down. You won't be able to get out of debt until you stop making debt a habit.</p>
<p>The internet will try to convince you that canceling your credit card is a terrible idea. Pay attention: they're wrong. All credit cards do is keep you trapped in a debt cycle.</p>
<p>Take your credit cards out of your wallet and never look back!</p>
<h3 id="toc3_4">4. Make use of the envelope method.</h3>
<p>You can feel your money leaving your hands when you pay with cash. Ouch! When buying with cash, people prefer to spend less.</p>
<p>You'll see (and feel) every dollar you spend from your envelopes with the envelope system, which will help you keep track of how much you're spending.</p>
<h3 id="toc3_5">5. Do not invest.</h3>
<p>You read that correctly. Yes, we mean you should cease contributing to your 401 (k) (k). You want to put all of your money toward getting out of debt right now.</p>
<p>You can continue your contributions if you're debt-free and have saved three to six months' worth of expenses in a fully-funded emergency fund.</p>
<h3 id="toc3_6">6. Stop comparing yourself to others.</h3>
<p>Who is the winner of the comparison game? There isn't one.</p>
<p>Stop trying to become like other people! Remember, you're living like no one else right now to live and give like no one else hereafter.</p>
<p>You will have no financial worries in 20 years, while everyone else will still be paying off vehicle loans, mortgages, and credit card debts.</p>
<h3 id="toc3_7">7. Inform the children that you are on a budget.</h3>
<p>When it comes to money, your children can be worse advisors than your stomach.</p>
<p>Be honest with them about what you have in the budget and what you don't. Also, never be hesitant to utter the magical word "no."</p>
<p>Being free from debt is hard to do, but you better try and see the result in your life.</p><div class="blogger-post-footer">The best place to find weekly ads, budgeting and saving tips, visit <a href="https://www.crazytexassavings.com/">Crazy Texas Savings</a>. <a href="https://www.crazytexassavings.com/sitemap.xml">Sitemap</a>.</div>Unknownnoreply@blogger.comtag:blogger.com,1999:blog-4231019082491119698.post-76556100230135932762022-06-14T21:08:00.000-07:002022-06-14T21:08:17.227-07:00How to Make a Budget? 5-Steps to Make a Budget You Should Try<div style="clear: both;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhRpGhkSAUX2x3pm5omXhgzt2_PMwHJaqucrAksdtA39Id0BWT4EzCYZrwqePnnT3HaXrn6OTJ33eSWIcznlXvJnvGwa-SG0b0W3FFBW4LE4x41MPkB-qBcAB0HaCoaHu7PIrJ1cSCYKLd51yE2m043paI8OV-mM1hCthXrtKW3FgUNEazEtPVuTFMQ/s1600/How%20to%20Make%20a%20Budget.jpg" style="display: block; padding: 1em 0; text-align: center; "><img alt="How to Make a Budget" data-original-height="688" data-original-width="1166" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhRpGhkSAUX2x3pm5omXhgzt2_PMwHJaqucrAksdtA39Id0BWT4EzCYZrwqePnnT3HaXrn6OTJ33eSWIcznlXvJnvGwa-SG0b0W3FFBW4LE4x41MPkB-qBcAB0HaCoaHu7PIrJ1cSCYKLd51yE2m043paI8OV-mM1hCthXrtKW3FgUNEazEtPVuTFMQ/s1600/How%20to%20Make%20a%20Budget.jpg"/></a></div>
<p>How to make a budget But first, let's define the term "budget." A budget is nothing more than a strategy. It's not a spending limit; it's a strategy for how you'll spend your money. It's a strategy for incoming and outgoing materials.</p>
<div class="toc">
<input type="checkbox" role="button" id="toctoggle" class="toctoggle"><div class="toctitle">Contents<span class="toctogglespan"><label class="toctogglelabel" for="toctoggle"></label></span></div>
<ul>
<li>1 <a href="#toc1" title="Steps to Creating a Budget">Steps to Creating a Budget</a>
<ul>
<li>1.1 <a href="#toc1_1" title="First, make a list. Your Earnings">First, make a list. Your Earnings</a></li>
<li>1.2 <a href="#toc1_2" title="Create an expense list.">Create an expense list.</a></li>
<li>1.3 <a href="#toc1_3" title="Subtract Expenses from Earnings.">Subtract Expenses from Earnings.</a></li>
<li>1.4 <a href="#toc1_4" title="Control Your Spending">Control Your Spending</a></li>
<li>1.5 <a href="#toc1_5" title="Before the month begins, make a new budget.">Before the month begins, make a new budget.</a></li>
</ul>
</li>
<li>2 <a href="#toc2" title="Why Is Budgeting So Important?">Why Is Budgeting So Important?</a>
<ul>
<li>2.1 <a href="#toc2_1" title="How to Create a Trustworthy Budget">How to Create a Trustworthy Budget</a></li>
</ul>
</li>
</ul>
</div>
<p>You give your money purpose when you learn <a href="https://www.crazytexassavings.com/2022/05/ways-and-tips-budgeting.html">how to build a budget</a> and stick to it every month. You've taken command. Goodbye, financial stress. Hello, financial objectives.</p>
<p>Continue reading to learn how to make it happen and create a budget that suits your needs.</p>
<h2 id="toc1">Steps to Creating a Budget</h2>
<p>You can build (and keep!) a budget in only five steps, regardless of how you feel about budgeting right now, what money goals you have, or your income.</p>
<p>Here are five steps to make a budget that you can try.</p>
<h3 id="toc1_1">1. First, make a list. Your Earnings</h3>
<p>Any money you expect to get during that month is considered income, which includes your regular paychecks as well as any additional funds obtained from a side hustle, garage sale, freelance job, or other ways.</p>
<p>Do you work as a barista or a hired bagpiper on weekends? That is income, and it is accounted for in your budget. Create separate income budget lines for each paycheck you (and your spouse) get, as well as any additional money.</p>
<p>Note that you're working with net income, which is what you earn after taxes and other deductions from your check. If you have an erratic income, check back over the prior few months and write the lowest amount as the expected income budget line for this month.</p>
<p>If you make additional money later in the month, you can change your budget and add it to your money target or another budget line.</p>
<h3 id="toc1_2">2. Create an expense list.</h3>
<p>You can prepare for the money coming in now that you've planned for the money coming in.</p>
<p>It's time to start keeping track of your costs! (This is where that bank account or statement comes in handy.) Set aside money for giving while you're establishing a budget before you put in all the items you'll have to pay for this month.</p>
<p>We believe in giving 10% of your money and constantly having a generous spirit! Then, based on your baby step (which we'll discuss more in a minute), budget for your savings goals, such as an emergency fund. You must first pay yourself before paying anyone else.</p>
<h3 id="toc1_3">3. Subtract Expenses from Earnings.</h3>
<p>It's time to do some math! (Don't worry, it won't be too horrible.) However, it is necessary. Let's get started.</p>
<p>Subtract all of your outgoings from your take-home pay. This value should be 0. This is known as a zero-based budget. This is crucial: A zero-based budget does not imply that your bank account is empty.</p>
<p>In your calculations, include a $100–300 buffer. It also does not imply that you spend all of your money. This is why we adore this technique. Zero-based budgeting simply means assigning a task to each dollar: spending, giving, saving, or debt repayment.</p>
<p>Everything is accounted for and has a purpose. What happens if you get a minus income? Isn't it Eck? Everything will be OK.</p>
<p>Simply reduce your spending till your income minus your outgoings equals zero. (Hint: Begin with the budget categories for dining out and entertainment.)</p>
<p>This will hit you hard if restaurants are your love language. However, you should better spend money that fits with your earn. You've got it.</p>
<p>If you're still having trouble making ends meet, consider a side hustle or working overtime. Just remember to keep your expenses in check when your income rises.</p>
<p>Your spare funds must be used to cover your planned expenses.</p>
<h3 id="toc1_4">4. Control Your Spending</h3>
<p>Are you ready to learn one of the most important techniques for budgeting effectively? We don't want to keep it a secret, so that's good.</p>
<p>It's as follows: Monitor your transactions. every single one Without this step, putting the plan on paper, in your spreadsheet, or your app is just a collection of good intentions.</p>
<p>It's the equivalent of setting a marathon goal, putting together a training plan, lacing up your shoes, then plopping down on the sofa with a bag of donuts.</p>
<p>What exactly are we discussing? When you keep track of your transactions, you can keep track of everything that happens with your money during the month.</p>
<p>We can't stress how important it is to keep track of your transactions. To summarize, we enjoy this budgeting stage since it allows you to:
Maintain accountability to yourself, your budget, and your financial goals.</p>
<p>(And, if you're married, your spouse!) And what about EveryDollar? You and your partner have a joint account, so you're budgeting together. There are none. There will be no denying a purchase.</p>
<p>Avoid overspending since you can see how much money you have left in each budget line as you enter expenses. You'll instantly know how much money you have left, so you won't overspend.</p>
<p>Keep track of your spending. Your budget isn't something you can set and forget. It isn't a slow cooker at all. When you track transactions, you are always within your budget.</p>
<p>Learn and alter your spending patterns to get back on track with your objectives and finally achieve them. at a time, one monthly budget.</p>
<h3 id="toc1_5">5. Before the month begins, make a new budget.</h3>
<p>While your budget should not fluctuate much from month to month, no two months are the same.</p>
<p>That's why you make a new budget each month, right before the month starts. Then you may look at certain expenses and say, "Thank you for not being a surprise to my money account."</p>
<p>When you're ready to start your next budget, simply copy this month's budget over to the next and make any necessary changes.</p>
<h2 id="toc2">Why Is Budgeting So Important?</h2>
<p>What are the advantages? What makes it worthwhile? Budgeting instructs your money where it should go, rather than you wondering where it went.</p>
<p>It demonstrates to your wallet who is in command. (You.)</p>
<p><a href="https://www.crazytexassavings.com/2022/06/ways-to-save-on-groceries.html">Budgeting</a> is how you achieve any financial goal—it's how you make money! It gives you command. It allows you to spend your money as you want.</p>
<h3 id="toc2_1">How to Create a Trustworthy Budget</h3>
<p>That's everything! This is how and why you should build a budget. Now is the time to get started! It's time to gain financial confidence.</p>
<p>But what about budgeting with confidence? Hey, EveryDollar can help! This free program helps you win with money by making budgeting easier.</p>
<p>This program will help you start from count your budget, manage your budget, and get your goal. It is simple to use this free program and start to make a budget now.</p><div class="blogger-post-footer">The best place to find weekly ads, budgeting and saving tips, visit <a href="https://www.crazytexassavings.com/">Crazy Texas Savings</a>. <a href="https://www.crazytexassavings.com/sitemap.xml">Sitemap</a>.</div>Unknownnoreply@blogger.comtag:blogger.com,1999:blog-4231019082491119698.post-75601707326030363292022-06-13T21:25:00.001-07:002022-06-13T21:25:21.153-07:00The 10 Cheapest Grocery Store Choices in the U.S.<div style="clear: both;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgTYePkFhXX_IGBjtGOpSe6cRkrJYGuyxgoLnXRiV6HfmAYnKvp3SeSg9SVyN7uTDsnT7WIKkGAWOoIHqVgIXmIaZT9Jt_iZrCMqUfflP1rFsMlREcAVqal2EMJf2-fp5arYM8skPUeZfqNs1cJ0xuGLSP9PqLMazgxkxj9LB7GxG7rL-zpak9PRI_-/s1600/What%20Is%20the%20Cheapest%20Grocery%20Store.png" style="display: block; padding: 1em 0; text-align: center; "><img alt="The 10 Cheapest Grocery Store Choices in the U.S." data-original-height="741" data-original-width="1338" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgTYePkFhXX_IGBjtGOpSe6cRkrJYGuyxgoLnXRiV6HfmAYnKvp3SeSg9SVyN7uTDsnT7WIKkGAWOoIHqVgIXmIaZT9Jt_iZrCMqUfflP1rFsMlREcAVqal2EMJf2-fp5arYM8skPUeZfqNs1cJ0xuGLSP9PqLMazgxkxj9LB7GxG7rL-zpak9PRI_-/s1600/What%20Is%20the%20Cheapest%20Grocery%20Store.png"/></a></div>
<p>Are you looking for the cheapest grocery store? You're not alone if you've noticed an increase in your grocery bill recently.</p>
<div class="toc">
<input type="checkbox" role="button" id="toctoggle" class="toctoggle"><div class="toctitle">Contents<span class="toctogglespan"><label class="toctogglelabel" for="toctoggle"></label></span></div>
<ul>
<li>1 <a href="#toc1" title="What Is the Cheapest Grocery Store?">What Is the Cheapest Grocery Store?</a>
<ul>
<li>1.1 <a href="#toc1_1" title="Aldi">Aldi</a></li>
<li>1.2 <a href="#toc1_2" title="Market Basket">Market Basket</a></li>
<li>1.3 <a href="#toc1_3" title="WinCo Foods">WinCo Foods</a></li>
<li>1.4 <a href="#toc1_4" title="Lidl">Lidl</a></li>
<li>1.5 <a href="#toc1_5" title="Joe's Market">Joe's Market</a></li>
<li>1.6 <a href="#toc1_6" title="Costco">Costco</a></li>
<li>1.7 <a href="#toc1_7" title="Walmart">Walmart</a></li>
<li>1.8 <a href="#toc1_8" title="Food 4 Less">Food 4 Less</a></li>
<li>1.9 <a href="#toc1_9" title="H-E-B">H-E-B</a></li>
<li>1.10 <a href="#toc1_10" title="Sam's Club">Sam's Club</a></li>
</ul>
</li>
<li>2 <a href="#toc2" title="Find the best grocery store to go with the app.">Find the best grocery store to go with the app.</a></li>
</ul>
</div>
<p>Groceries have increased dramatically since 2020. In just one year, the cost of poultry, fish, and eggs has increased by 8%, and the cost of beef has increased by 12%.</p>
<p>Whoa, This can eat up a significant portion of your monthly budget. The good news is that my list of the top 10 cheapest grocery stores in America might help you uncover budget-friendly grocery store options near you.</p>
<p>The findings are in, and Aldi takes first place as the cheapest grocery store in Dunnhumby's 2020 Retailer Preference Index: U.S. Grocery Channel Edition!</p>
<p>The 1 spot is for Aldi since grocery store competition is fierce. They're throwing punches to get as much of the $700 billion food market as they can.</p>
<h2 id="toc1">What Is the Cheapest Grocery Store?</h2>
<p>Let's take a look at how they rank and how they compete for your spending. Then we'll go over the best purchases at each store.</p>
<h3 id="toc1_1">1. Aldi</h3>
<p><b>How Do They Keep Their Prices Low?</b><br/>
Aldi, which originated in Germany, is known for its merciless cost-cutting practices, such as demanding customers to complete duties that would normally be allocated to employees.</p>
<p>Do you recall how they used to hire out their shopping carts? As a result, Aldi won't have to pay somebody to collect them. You'll have to pay for paper or plastic bags if you fail to bring your own or do without. At Aldi, you'll have to bag your groceries.</p>
<p><b>Making Purchases</b><br/>
Baking ingredients, fresh produce, wine, chocolate, cheese, and, of course, canned goods—which may go as low as $0.65 per can—are among my favorites at Aldi.</p>
<h3 id="toc1_2">2. Market Basket</h3>
<p>Market Basket is a New England supermarket that has been around for over a century. Consumer Reports gives the regional chain great grades for customer happiness, proving that they're both affordable and people-friendly. It is the cheapest grocery store in second place!</p>
<p><b>Making Purchases</b><br/>
If you go to Market Basket, you must try the New England specialties. Check out Rhode Island clams, maple syrup, and specialty regional products like Maine apples and New Hampshire pears.</p>
<h3 id="toc1_3">3. WinCo Foods</h3>
<p>The employee-owned WinCo Foods is a physically big grocery store with massive bulk sections and an average footprint of 90,000 square feet.</p>
<p>They do not, however, demand memberships, unlike their warehouse relatives, Sam's Club and Costco. Anyone is welcome to shop there!</p>
<p><b>Making Purchases</b><br/>
I know you're looking for the cheapest supermarkets. If you're ever in the Pacific Northwest, stop by WinCo Foods for their incredible bulk and organic prices. You will not be disappointed!</p>
<h3 id="toc1_4">4. Lidl</h3>
<p>Lidl (rhymes with a beetle, not idle) aspires to be your go-to grocery store for low-cost, high-quality items.</p>
<p>This East Coast retailer not only sells groceries, but also small kitchen equipment, gardening supplies, toys, and even power tools.</p>
<p>A 16.4-ounce pepperoni pizza costs $4.39 at Lidl for the Cruze family. That's a fantastic offer!</p>
<p><b>Making Purchases</b><br/>
Lidl has a reputation for high-quality vegetables, which is good news for families trying to eat healthy on a budget. They also have a fantastic spice rack–onion powder, cinnamon, and other spices are all $0.55.</p>
<h3 id="toc1_5">5. Joe's Market</h3>
<p>You'd get a Trader Joe's if you combined a convenience shop, a produce stand, and an international market into a nautical-themed grocery store.</p>
<p>To its fans, this tiny grocery store is more than simply a store—shopping there is an adventure. At TJ's, youngsters drive charming pint-sized carts while their "shipmates" (that's how they refer to their employees) wear bright Hawaiian shirts. If you ask me, that's not a bad uniform!</p>
<p><b>Making Purchases</b><br/>
What are the best Trader Joe's purchases? They certainly triumph in the area of strange foods.</p>
<h3 id="toc1_6">6. Costco</h3>
<p>Prepare yourselves, because we're off to the most amazing location on the planet—Costco! Because of all the great things Costco has to offer, I use my membership every week.</p>
<p>It's easy to go in for a glass of water and leave with a charcuterie board, ten gallons of milk, and a patio set. Please believe me.</p>
<h3 id="toc1_7">7. Walmart</h3>
<p>Walmart is the world's largest retailer, with vast locations, extensive product selections, and, most importantly, low costs.</p>
<p>Conveniently, Super Walmart is a one-stop-shop, as you can acquire lawn supplies, clothing, jewelry, gifts, and food all at one location. Or maybe it's not so good, because my $5 pizza outings end up becoming $40 toy trips.</p>
<p>Walmart is known for its everyday essentials, such as pantry items, toiletries, household cleaners, and cleaning materials.</p>
<h3 id="toc1_8">8. Food 4 Less</h3>
<p>Food 4 Less is a low-cost grocery store (you already knew that—it made our list of the cheapest grocery stores!) located all along the West Coast.</p>
<p>When you go into a bright yellow Food 4 Less, you may be entering an independent store or a Kroger-owned one. Not only are they inexpensive, but some also include carniceria-style meat departments. A Mexican deli, perhaps? Take all of my money!</p>
<p>Food 4 Less is a good place to go for basic groceries, health, and beauty supplies.</p>
<h3 id="toc1_9">9. H-E-B</h3>
<p>This one is for the Texas fans! H-E-B, which has over 420 locations in Texas and Mexico, will hand you a tortilla to snack on while you shop. (Pack the kids, Winston; we're moving to Texas.)</p>
<p>With its proud, Don't Mess With Texas merchandise, the store that has been serving Texans since 1905 has won the hearts, minds, and wallets of inhabitants of the Lone Star State.</p>
<p><b>Making Purchases</b><br/>
H-E-Totally B's Texas regional items promote the Texas way of life.</p>
<h3 id="toc1_10">10. Sam's Club</h3>
<p>Walmart's version of Costco is Sam's Club. Even if you've never visited America's eighth-largest retailer, you'll notice that it sells the majority of its products in bulk and off pallets. What's not to like about their never-ending supply of free samples?</p>
<p><b>Making Purchases</b><br/>
My friends' favorite bulk purchases are vitamins, protein bars, toilet paper (even before the pandemic!), and Sam's Club Extreme Value Gift Cards.</p>
<h2 id="toc2">Find the best grocery store to go with the app.</h2>
<p>In this modern era, you never even need to leave your home to get all the things that you want. You can purchase all items using your mobile phone.</p>
<p>You just need to use the grocery app to easily buy all the items and get some other benefits.</p>
<p>My Grocery Savings Guide and Meal Planner will save you time and money because:</p>
<ul>
<li>A digital and printable grocery list and meal calendar are included.</li>
<li>Being organized will make last-minute supper decisions less stressful.</li>
<li>You can take advantage of apps, store specials, and coupons if you plan.</li>
<li>At the drive-thru, you won't be tempted to spend your budget.</li>
<li>You'll regain control over your grocery spending.</li>
</ul>
<p>Now, you know how to find the cheapest grocery store in no time.</p><div class="blogger-post-footer">The best place to find weekly ads, budgeting and saving tips, visit <a href="https://www.crazytexassavings.com/">Crazy Texas Savings</a>. <a href="https://www.crazytexassavings.com/sitemap.xml">Sitemap</a>.</div>Unknownnoreply@blogger.comtag:blogger.com,1999:blog-4231019082491119698.post-63350047528852377852022-06-11T20:29:00.000-07:002022-06-11T20:29:45.242-07:00Black Friday Shopping Tips: 7 Clever Ways to Get the Best Deals<div style="clear: both;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhd1bceTXmsXCXsQxMo8Vx2684bvir5kVQwPi57i_DjAJRWX8JlD7XsI5lPFnYPS75p3L4ZqPBM-VvuIT3LfFvzS2vffInmHwODJ7Nyru4_7rCS2nqvEPAVOLMEBsRWbF7hCGvP_Y73COL6QMAr2eszUAcQIz-SP8-W5xD-wVeDEc_oGWG2OOnADF5z/s1600/Black%20Friday%20Shopping%20Tips.jpg" style="display: block; padding: 1em 0; text-align: center; "><img alt="Black Friday Shopping Tips" data-original-height="844" data-original-width="1340" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhd1bceTXmsXCXsQxMo8Vx2684bvir5kVQwPi57i_DjAJRWX8JlD7XsI5lPFnYPS75p3L4ZqPBM-VvuIT3LfFvzS2vffInmHwODJ7Nyru4_7rCS2nqvEPAVOLMEBsRWbF7hCGvP_Y73COL6QMAr2eszUAcQIz-SP8-W5xD-wVeDEc_oGWG2OOnADF5z/s1600/Black%20Friday%20Shopping%20Tips.jpg"/></a></div>
<p>As the busiest shopping day in the year, Black Friday is highly anticipated by most people in the US. You, perhaps, also have kept some part of your savings just to be spent on the day when deep discounts are available for items you might never afford to buy on the other days.</p>
<div class="toc">
<input type="checkbox" role="button" id="toctoggle" class="toctoggle"><div class="toctitle">Contents<span class="toctogglespan"><label class="toctogglelabel" for="toctoggle"></label></span></div>
<ul>
<li>1 <a href="#toc1" title="7 Black Friday Shopping Tips">7 Black Friday Shopping Tips</a>
<ul>
<li>1.1 <a href="#toc1_1" title="Shopping Budget Is a Must">Shopping Budget Is a Must</a></li>
<li>1.2 <a href="#toc1_2" title="Do Your Black Friday Pricing Research">Do Your Black Friday Pricing Research</a></li>
<li>1.3 <a href="#toc1_3" title="Shop Online">Shop Online</a></li>
<li>1.4 <a href="#toc1_4" title="Just Chill Out!">Just Chill Out!</a></li>
<li>1.5 <a href="#toc1_5" title="Be Careful of the Money You Spend">Be Careful of the Money You Spend</a></li>
<li>1.6 <a href="#toc1_6" title="Try It Later!">Try It Later!</a></li>
<li>1.7 <a href="#toc1_7" title="Think about Personal Spending">Think about Personal Spending</a></li>
</ul>
</li>
</ul>
</div>
<p>This is the time when crowds used to fill stores to find the best but affordable Christmas gifts for family and friends. As most people seem to have similar thinking as yours, you don’t want to go home empty-handedly after standing outside the store in the cold at 4 am, do you?</p>
<h2 id="toc1">7 Black Friday Shopping Tips</h2>
<p>Well, here are some of the cleverest Black Friday shopping tips to help you get the best deals on your favorite items.</p>
<h3 id="toc1_1">1. Shopping Budget Is a Must</h3>
<p>It is all about budgeting. Make sure that you have made a shopping budget before you come to the first store, both online and onsite. Keep in mind that a budget is a plan specially created for your money so it will be a huge disaster if you go to the biggest sale day of the year without one.</p>
<p>In creating the shopping budget for Black Friday, the first thing you need to do is set up a monthly budget. When this big shopping day comes, make sure that you stick to the budget plan.</p>
<p>If you want to make it an opportunity to purchase Christmas gifts, there will be many apps that you can use to get all your gift-giving organized.</p>
<p>When creating a shopping budget, you also need to know what you are going to purchase. Again, make sure that you stick to the plan. Don’t forget to draft a comprehensive list consisting of items that you want to buy and whom they are for before starting your Black Friday shopping.</p>
<p>Also, keep in mind that unless you can accommodate, you need to avoid opportunistic purchases.</p>
<h3 id="toc1_2">2. Do Your Black Friday Pricing Research</h3>
<p>After knowing how much you can spend for Black Friday, you need to do some research about the pricing.</p>
<p>Keep in mind that you can prioritize your spending much better if you think ahead. During the holiday shopping season, you need to set price alerts for similar products you want to purchase in several stores in the weeks leading up to Black Friday.</p>
<p>Just find out if the prices change over time. Don’t hesitate to grab the product and buy it if you find an extremely good deal before Black Friday comes.</p>
<p>Make sure that you put together an efficient itinerary just before you start shopping on Black Friday. If pricing allows, you can shop your favorite items as much as possible at superstores like Meijer and Walmart.</p>
<p>They come with many different departments where you can get items at low prices.</p>
<h3 id="toc1_3">3. Shop Online</h3>
<p>In this digital era, you don’t need to jostle and scramble among thousands of people just to get your favorite products on Black Friday.</p>
<p>By shopping online, you don’t even need to fight crowds to get the best deals. On top of that, many online shops start their own “Black Fridays” weeks before the actual day.</p>
<p>If you want to stick to your budget for exceptionally good deals, there is also Cyber Monday. This is the day when you can get deep discounts on many items without queuing and camping in front of your favorite stores.</p>
<p>If you want to avoid madness during Black Friday but still want to shop, online shops on Cyber Monday can be a perfect option to take.</p>
<p>Additionally, many Black Friday shopping apps are available to download as well. Some of the most popular options today include Rakuten, Flipp, the Coupons App, and ShopSavvy. These apps will help you shop comfortably.</p>
<h3 id="toc1_4">4. Just Chill Out!</h3>
<p>Black Friday is identical to crowds and madness, but make sure that you just relax. Keep in mind that all there in the store is just stuff.</p>
<p>Make sure that you ask yourself if this product is something you really need and will still use it 2 years from now. If you think the answer is no, just think again about your decision to buy it.</p>
<p>It is important that you keep your mindset and perspective healthy during Black Friday. This would be the end of the world if you can’t get the things that have been under your radar for weeks.</p>
<p>Make sure that you don’t get so caught up in finding a deal that leads you to lose your sight and perspective when shopping.</p>
<h3 id="toc1_5">5. Be Careful of the Money You Spend</h3>
<p>This is one of the most important Black Friday shopping tips to know. The key is don’t spend the money that you have! It’s common sense that not many people don’t understand well, especially if it comes to credit cards.</p>
<p>Keep in mind that purchasing items using cash is not the same as when you are using a credit card. If your only option is paying through a credit card, it means that you can’t afford the item.</p>
<p>When you rely on your credit card to shop during the Black Holiday, just don’t be surprised if your bills start rolling in January. Also, be careful of promos that stores always offer on Black Friday.</p>
<p>Don’t fall into any promises to save, just say, 20% if you sign up for the store’s credit cards. Be disciplined with the budget you have made before and simply say no to such an offering.</p>
<h3 id="toc1_6">6. Try It Later!</h3>
<p>The common sight when Black Friday comes is wild crowds that seem ready for the “battle” since early in the morning. If the items with deep discounts that you want to buy are not available anymore, then it is not the end of the day.</p>
<p>Bear in mind that you can still get the best deals without getting involved with the wild crowds. Instead of going in the morning when the doors of larger retail chains are just opened, you venture out later in the day.</p>
<p>It will be less crowded and don’t worry, you can still find great deals.</p>
<h3 id="toc1_7">7. Think about Personal Spending</h3>
<p>This is one of the best Black Friday shopping tips to help you snag the best deals for your favorite items. Consider it well since personal spending can ruin your Black Friday budget if you are not prepared.</p>
<p>You need to remember that Black Friday is not solely about spending money to buy Christmas gifts. Who can resist catching some deals on things for yourself if you are in the middle of heavily promoted items? Plus, it only occurs once a year.</p>
<p>So, make sure that you think about your personal needs such as clothing to treat yourself as well.</p><div class="blogger-post-footer">The best place to find weekly ads, budgeting and saving tips, visit <a href="https://www.crazytexassavings.com/">Crazy Texas Savings</a>. <a href="https://www.crazytexassavings.com/sitemap.xml">Sitemap</a>.</div>Unknownnoreply@blogger.comtag:blogger.com,1999:blog-4231019082491119698.post-68404365063506036492022-06-05T08:06:00.000-07:002022-06-05T08:06:28.660-07:008 Ideas for Meaningful Wedding Gift<div style="clear: both;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg2wiRi_nIG_y6SiTSvaucQJf-yV08xm9TgBLagCZ4b6W-h-vcYosIBhGYTap-AO7E1SNN8rAh9hrnS55f_SknPZAVBm9SUnI349lFzpvWK3E3TTSP5Af6iBr60eP3KRXew4JZ0A_mZYClVqKRqkIeAxWKh-4k67L-nU4mqgB7VCnKSitZi6IixgXv6/s1600/Wedding%20Gift%20Ideas.jpg" style="display: block; padding: 1em 0; text-align: center; "><img alt="Wedding Gift Ideas" data-original-height="790" data-original-width="1433" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg2wiRi_nIG_y6SiTSvaucQJf-yV08xm9TgBLagCZ4b6W-h-vcYosIBhGYTap-AO7E1SNN8rAh9hrnS55f_SknPZAVBm9SUnI349lFzpvWK3E3TTSP5Af6iBr60eP3KRXew4JZ0A_mZYClVqKRqkIeAxWKh-4k67L-nU4mqgB7VCnKSitZi6IixgXv6/s1600/Wedding%20Gift%20Ideas.jpg"/></a></div>
<p>Looking for the best wedding gift will never be easy, especially since you want to make it special for the couple. You want to give a meaningful wedding gift if you are close to the couple. Of course, it does not mean that you have to give them something expensive.</p>
<div class="toc">
<input type="checkbox" role="button" id="toctoggle" class="toctoggle"><div class="toctitle">Contents<span class="toctogglespan"><label class="toctogglelabel" for="toctoggle"></label></span></div>
<ul>
<li>1 <a href="#toc1" title="8 Wedding Gift Ideas">8 Wedding Gift Ideas</a>
<ul>
<li>1.1 <a href="#toc1_1" title="Wedding Gift from the Registry">Wedding Gift from the Registry</a></li>
<li>1.2 <a href="#toc1_2" title="Future Date Night">Future Date Night</a></li>
<li>1.3 <a href="#toc1_3" title="Personalized Wedding Gift">Personalized Wedding Gift</a></li>
<li>1.4 <a href="#toc1_4" title="Honeymoon Fund">Honeymoon Fund</a></li>
<li>1.5 <a href="#toc1_5" title="Cash or Gift Cards">Cash or Gift Cards</a></li>
<li>1.6 <a href="#toc1_6" title="A Year-long Subscription">A Year-long Subscription</a></li>
<li>1.7 <a href="#toc1_7" title="Unique Recipe Book">Unique Recipe Book</a></li>
<li>1.8 <a href="#toc1_8" title="Impactful Wedding Gift">Impactful Wedding Gift</a></li>
</ul>
</li>
</ul>
</div>
<p>Since you are looking for the meaningful one, you can consider these ideas to find a meaningful and of course, useful wedding gift that will be loved by the couple.</p>
<h2 id="toc1">8 Wedding Gift Ideas</h2>
<h3 id="toc1_1">1. Wedding Gift from the Registry</h3>
<p>Looking for the best wedding gift might be pretty challenging since you have to decide from the many options available. Nevertheless, you can make it simple by starting with the wedding gift registry made by the couple if there is any.</p>
<p>You should check it out to find a wedding gift that can be useful and meaningful for the couple.</p>
<p>You might not think to give them a hand towel because it will be a pretty boring gift. However, it will be meaningful if it is included in the registry because it means that the couple might need it.</p>
<p>The registry is made by the couple to list the wedding gift request. Of course, the couple will be super happy receiving the gift since it will be useful for them.</p>
<h3 id="toc1_2">2. Future Date Night</h3>
<p>Going out together as a couple before the wedding might be pretty common because it is part of the process to get to know each other better.</p>
<p>However, dates might not be part of their daily routine after the honeymoon. You can encourage them to spend romantic time together by giving them a date night package for the future.</p>
<p>It can be a fun board game or a gift card to dinner.</p>
<p>Of course, you can feel free to find the idea about the right gift for their date night. A combination of a bottle of bubbly and a pack of conversation starters might be a great idea to create a romantic date night in the future.</p>
<p>You can also give them movie tickets and a gift certificate to their favorite dessert spot. You can simply put them in an envelope, basket, or bag to offer them a free romantic date night.</p>
<h3 id="toc1_3">3. Personalized Wedding Gift</h3>
<p>You will never go wrong in choosing a personalized wedding gift. You can simply add the couple's name etched on many things, such as wooden plaque, matching tumblers, or cutting board.</p>
<p>You can also add the wedding date. Simply etching the wedding date on those products can also be a meaningful symbol that the couple can treasure.</p>
<p>They will memorize their special day anytime they see the personalization on the wedding gift. Personalization can make simple wedding gifts much more valuable and meaningful, for sure.</p>
<h3 id="toc1_4">4. Honeymoon Fund</h3>
<p>How much money does a couple have to spend on their wedding? It is not only about the ceremony but also the honeymoon.</p>
<p>That is why wedding costs can be super expensive in many cases because the newlywed couple wants to have a special honeymoon trip.</p>
<p>To fund their honeymoon trip, they might include a honeymoon fund on their wedding gift registry. In this circumstance, there is nothing wrong to give money to them.</p>
<p>It will be a great wedding gift because you will help them cover the honeymoon cost. The honeymoon will always be a special moment for the newlyweds because it is their very first vacation as a married couple.</p>
<p>Some people might think twice about giving money to the couple, but this kind of gift can make it a kind, useful, and romantic wedding gift.</p>
<h3 id="toc1_5">5. Cash or Gift Cards</h3>
<p>The couple has to work hard on making and saving their wedding budget. It is not easy to make your dream wedding come true, after all.</p>
<p>In this circumstance, your contribution to lowering their wedding expenses will be very valuable. You can do it by giving them gift cards to e-commerce or grocery store.</p>
<p>This option will not be lame, at all, because you can help them decorate their wedding venue better, for instance.</p>
<p>Of course, the gift card will also be very useful for their future everyday expense. They can use it to stock their pantry or decorate their home.</p>
<p>Besides giving them gift cards, you can also consider giving them cash that can be spent anytime they want. It will never be a mistake to give cash even as wedding gifts since they will always be useful.</p>
<h3 id="toc1_6">6. A Year-long Subscription</h3>
<p>If you are pretty close to the couple, it will be much easier to find the most suitable wedding gift based on their interest or hobby.</p>
<p>In this circumstance, why do not you give them a year-long subscription to a service or box that they both like? This kind of gift will make the couple enjoy the fun for a long time.</p>
<p>It can provide a fun experience for both, for sure. More importantly, the couple will always remember your generosity and care anytime they use the service or box.</p>
<p>It will also be a great way to make their first year more memorable.</p>
<h3 id="toc1_7">7. Unique Recipe Book</h3>
<p>Well, nowadays you can find the recipe for various dishes very easily on the internet. You might think that there is no need to get troubled printing and binding them into a recipe book.</p>
<p>This kind of recipe book will not be special or unique, at all. To make a unique recipe book, you need to be intentional.</p>
<p>Instead of printing online recipes, you can gather favorite recipes from friends or family into a recipe book and make it a wedding gift for the couple.</p>
<p>This wedding gift will be priceless not because you do not have to spend a lot of money to prepare it. It is priceless because you can share the recipe from their grandma in her own handwriting, for instance.</p>
<p>The couple will also be very thankful since it will help them with their meal plan.</p>
<h3 id="toc1_8">8. Impactful Wedding Gift</h3>
<p>The best wedding gift is not always about stuff that they can collect because it can also be about experience. You can even make the wedding gift more impactful by choosing the right experience.</p>
<p>In this circumstance, you can give them the solution for solving their future problem as a married couple.</p>
<p>Money can be the biggest reason why the couple will argue, after all. Your wedding gift will help them learn more about the way to open communication lines about money.</p>
<p>It will also be useful to help them make their future plan.</p>
<p>From these ideas, which one will you choose as a wedding gift? No matter what you choose, your wedding gift will be meaningful because you choose it with love and devotion.</p><div class="blogger-post-footer">The best place to find weekly ads, budgeting and saving tips, visit <a href="https://www.crazytexassavings.com/">Crazy Texas Savings</a>. <a href="https://www.crazytexassavings.com/sitemap.xml">Sitemap</a>.</div>Unknownnoreply@blogger.comtag:blogger.com,1999:blog-4231019082491119698.post-47759457702531821392022-06-04T06:03:00.002-07:002022-06-04T06:03:45.734-07:0011 Places to Buy Cheap Furniture in 2022<div style="clear: both;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg3ts3nGYWSyo_w7TYDGAIaShB5Dw-XePn0RHhgzLBUK28gAN1pffEKTuYusJ7qAJKvn2gklp6MF5t0LkvHcFGP_m71AE41ckeQgEFlVlKrPcWpv8xAey69VsbQ-CStJZR3WgG36S2dFnhmDeyUsfJ8oYdWoaSLttT06AH3xZxmcHji-6KmcpVPnmH0/s1600/Where%20to%20Buy%20Cheap%20Furniture.jpg" style="display: block; padding: 1em 0; text-align: center; "><img alt="Where to Buy Cheap Furniture" data-original-height="744" data-original-width="1323" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg3ts3nGYWSyo_w7TYDGAIaShB5Dw-XePn0RHhgzLBUK28gAN1pffEKTuYusJ7qAJKvn2gklp6MF5t0LkvHcFGP_m71AE41ckeQgEFlVlKrPcWpv8xAey69VsbQ-CStJZR3WgG36S2dFnhmDeyUsfJ8oYdWoaSLttT06AH3xZxmcHji-6KmcpVPnmH0/s1600/Where%20to%20Buy%20Cheap%20Furniture.jpg"/></a></div>
<p>Redecorating your home might be considered to bring a new life to your living place. Nevertheless, some people have to forget this idea because they do not have a lot of money to buy new furniture. You do not have to delay your home redecorating plan if you look for cheap furniture from these places.</p>
<div class="toc">
<input type="checkbox" role="button" id="toctoggle" class="toctoggle"><div class="toctitle">Contents<span class="toctogglespan"><label class="toctogglelabel" for="toctoggle"></label></span></div>
<ul>
<li>1 <a href="#toc1" title="Where to Buy Cheap Furniture (Online)">Where to Buy Cheap Furniture (Online)</a>
<ul>
<li>1.1 <a href="#toc1_1" title="IKEA">IKEA</a></li>
<li>1.2 <a href="#toc1_2" title="Overstock">Overstock</a></li>
<li>1.3 <a href="#toc1_3" title="Target">Target</a></li>
<li>1.4 <a href="#toc1_4" title="Wayfair">Wayfair</a></li>
<li>1.5 <a href="#toc1_5" title="Home Depot">Home Depot</a></li>
<li>1.6 <a href="#toc1_6" title="Amazon">Amazon</a></li>
<li>1.7 <a href="#toc1_7" title="Big Lots">Big Lots</a></li>
<li>1.8 <a href="#toc1_8" title="Dot & Bo">Dot & Bo</a></li>
<li>1.9 <a href="#toc1_9" title="Walmart">Walmart</a></li>
<li>1.10 <a href="#toc1_10" title="AllModern">AllModern</a></li>
<li>1.11 <a href="#toc1_11" title="Habitat for Humanity ReStore">Habitat for Humanity ReStore</a></li>
</ul>
</li>
</ul>
</div>
<br/>
<h2 id="toc1">Where to Buy Cheap Furniture (Online)</h2>
<p>Here are the top 11 places where you can find cheap furniture in 2022.</p>
<h3 id="toc1_1">1. IKEA</h3>
<p>IKEA might be one of the most famous places to get cheap furniture with great quality and design. Of course, we cannot forget its Swedish meatballs that make many visitors fall in love, as well.</p>
<p>Nevertheless, the biggest reason why people love it is the impressive price offer for every single product from unique home décor to the sleek furniture item.</p>
<p>You need to assemble the furniture at home yourself, but you might be surprised with your engineering skills. You can <a href="https://www.crazytexassavings.com/">save more money</a> by joining the free reward program to get member benefits.</p>
<h3 id="toc1_2">2. Overstock</h3>
<p>If you are looking for the best online store to buy furniture at a cheap price, Overstock might be the right place to visit because it has been offering high-quality furniture pieces at affordable prices for about two decades.</p>
<p>Overstock is an award-winning online store for being trustworthy, so you do not have to worry anytime you want to make a big purchase of furniture online.</p>
<p>More importantly, you can find every single home furnishing product you need at a great price and great quality. Free shipping is available for many states in the US.</p>
<h3 id="toc1_3">3. Target</h3>
<p>IKEA is not the only store with a big fandom. Target is also pretty viral on the internet because people want to spend a lot for buying its merchandise.</p>
<p>Of course, you need to be careful with impulse buying at Target because you are looking for a way to save money on furniture purchases, after all.</p>
<p>Yet, you can find that Target is a place where you can find cheap and fun furniture and decoration that can enhance any room in your house.</p>
<p>You can also try to shop online to help you purchase easier by collection. It will be easier to find matching furniture with this method. If you want to get an extra discount, you need to have a Target debit card.</p>
<h3 id="toc1_4">4. Wayfair</h3>
<p>The name of this online store can explain the price offered for its products. People love to buy furniture items from this place because of its fair price. Of course, the cheap price does not mean that you will not find great furniture items at this place.</p>
<p>You can find various products from furniture items to kitchen appliances with super trendy designs. All of them are offered on a budget, for sure.</p>
<p>You can also customize your furniture pieces if you like, but it means that you have to spend more money for this purpose. You might be lucky enough to find great products from its sale section.</p>
<h3 id="toc1_5">5. Home Depot</h3>
<p>Many people think that Home Depot is a place to buy tools. Home Depot can also be a great place to find many kinds of cheap furniture.</p>
<p>More importantly, it will not be hard to find its offline store all around the US. It means that you can also find one near your living place. You just need to look for a big ole orange sign.</p>
<p>If you think that the offline store does not come with a wide variety, you can find more options on its website.</p>
<p>It will be easier to shop home furnishing products by color, style, or width on the website.</p>
<h3 id="toc1_6">6. Amazon</h3>
<p>Where is the best place to find anything on the internet? It must be Amazon and there is no doubt about it. Of course, Amazon can also offer you various furniture products at affordable prices.</p>
<p>You will love to shop on Amazon because of its super speedy delivery, especially for Amazon Prime subscribers. It will not be hard to find the cheapest furniture with a nice look on the website.</p>
<p>The possibilities to find the best product is endless since Amazon has thousands of retailers.</p>
<h3 id="toc1_7">7. Big Lots</h3>
<p>Many people do not consider Big Lots when they want to buy furniture. Nevertheless, you must not ignore the possibilities offered by Big Lots, especially if you love to find name-brand furniture at a very cheap price. You can even find a full sectional sofa at a pretty affordable price.</p>
<p>You also have one more good reason to buy furniture from this place because it has great weekly deals to get a much cheaper price for the current cheap price.</p>
<p>You can also sign up for free reward programs that can offer you a lot of coupons.</p>
<p>This place can be your best friend when you want to redecorate your home on a very tight budget.</p>
<h3 id="toc1_8">8. Dot & Bo</h3>
<p>You can also find more options for fun and affordable furniture from Dot & Bo.</p>
<p>You can explore the website to find a great-looking ottoman that will be a perfect addition to the children's room.</p>
<p>Silly stuff can be found here and there but you can also find furniture items with a modern luxury look at an affordable price. You must not forget to check its clearance section to find great products with extra discounts.</p>
<h3 id="toc1_9">9. Walmart</h3>
<p>If you are looking for staple furniture and home decoration items, you must not miss Walmart because it has massive stocks of those products.</p>
<p>You can look for anything and Walmart will always have the product for you.</p>
<p>All of the furniture items are offered at cheap prices, but buying products from Walmart is getting better because you can filter the products by brand, style, or room on its website.</p>
<h3 id="toc1_10">10. AllModern</h3>
<p>If you compare All Modern to other online stores on the list, you might find that the price offered is a little bit more expensive. You need to do a deeper search on the website to find some great deals.</p>
<p>This is the place where you can find many options for modern and stylish home decoration and furniture. If you love mid-century modern style for home decoration and furniture, AllModern will offer you joy when exploring the website.</p>
<h3 id="toc1_11">11. Habitat for Humanity ReStore</h3>
<p>Last but not least, you can also consider buying secondhand furniture to save more money. The furniture item that is considered trash by its previous owner can be a treasure for its new owner.</p>
<p>Buying secondhand furniture from Habitat for Humanity ReStore will not only help you find cheap furniture items, but you can also help out people in your community since Habitat for Humanity is a nonprofit organization.</p>
<p>You might need to take more time to find the right furniture on the right budget, but your effort can be much smaller if you consider buying from the list.</p><div class="blogger-post-footer">The best place to find weekly ads, budgeting and saving tips, visit <a href="https://www.crazytexassavings.com/">Crazy Texas Savings</a>. <a href="https://www.crazytexassavings.com/sitemap.xml">Sitemap</a>.</div>Unknownnoreply@blogger.comtag:blogger.com,1999:blog-4231019082491119698.post-25977052968986672332022-06-02T20:40:00.004-07:002022-06-02T20:53:52.244-07:0015 Budgeting Hacks to Save Money on Grocery Shopping<div style="clear: both;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhT4a6yJa-_3YBieIK3CNLkNry6r-q_SBqHnkkAnWQ94Bp2j6ewoxudCm-5-HljHc_AqUSu5yjh4xO86zfjuKo15SAYIqoeXGyxl0cxAtvd84ItO995AsfgSV87W2Zj_NkJFZm_PuoEuL57o2pX5_6QbRU-q1V5ZNqWBYbvcomlZY4JebOdiN7Mqpy_/s1600/How%20to%20Save%20Money%20on%20Groceries.jpg" style="display: block; padding: 1em 0; text-align: center;"><img alt="How to Save Money on Groceries" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhT4a6yJa-_3YBieIK3CNLkNry6r-q_SBqHnkkAnWQ94Bp2j6ewoxudCm-5-HljHc_AqUSu5yjh4xO86zfjuKo15SAYIqoeXGyxl0cxAtvd84ItO995AsfgSV87W2Zj_NkJFZm_PuoEuL57o2pX5_6QbRU-q1V5ZNqWBYbvcomlZY4JebOdiN7Mqpy_/s1600/How%20to%20Save%20Money%20on%20Groceries.jpg"/></a></div>
<p>Weekly or monthly grocery shopping is one of the fun activities. However, it is not uncommon for us to be tempted to buy a lot of things when we are at the supermarket. Our intention might be only to buy kitchen necessities, but then the basket was full of snacks and discounted items that we didn't need.</p>
<div class="toc">
<input type="checkbox" role="button" id="toctoggle" class="toctoggle"><div class="toctitle">Contents<span class="toctogglespan"><label class="toctogglelabel" for="toctoggle"></label></span></div>
<ul>
<li>1 <a href="#toc1" title="How to Save Money on Groceries">How to Save Money on Groceries</a>
<ul>
<li>1.1 <a href="#toc1_1" title="Calculate The Money You Need to Spend">Calculate The Money You Need to Spend</a></li>
<li>1.2 <a href="#toc1_2" title="Know When to Shop">Know When to Shop</a></li>
<li>1.3 <a href="#toc1_3" title="Clean Up Your Pantry">Clean Up Your Pantry</a></li>
<li>1.4 <a href="#toc1_4" title="Think Before You Buy in Bulk">Think Before You Buy in Bulk</a></li>
<li>1.5 <a href="#toc1_5" title="Start Storing Your Meals">Start Storing Your Meals</a></li>
<li>1.6 <a href="#toc1_6" title="Consider Paying With Cash">Consider Paying With Cash</a></li>
<li>1.7 <a href="#toc1_7" title="Order A Curbside Pickup">Order A Curbside Pickup</a></li>
<li>1.8 <a href="#toc1_8" title="Try Different Grocery Stores">Try Different Grocery Stores</a></li>
<li>1.9 <a href="#toc1_9" title="Buy Meat Only When It's on Sale">Buy Meat Only When It's on Sale</a></li>
<li>1.10 <a href="#toc1_10" title="Use The Items That You Buy">Use The Items That You Buy</a></li>
<li>1.11 <a href="#toc1_11" title="Negotiate Everything">Negotiate Everything</a></li>
<li>1.12 <a href="#toc1_12" title="Skip The Packaging">Skip The Packaging</a></li>
<li>1.13 <a href="#toc1_13" title="Don't Be Afraid to Return The Items">Don't Be Afraid to Return The Items</a></li>
<li>1.14 <a href="#toc1_14" title="Shop at The Farmers Market">Shop at The Farmers Market</a></li>
<li>1.15 <a href="#toc1_15" title="Grow Your Own Food">Grow Your Own Food</a></li>
</ul>
</li>
</ul>
</div>
<p>In order that your expenses are not too excessive, it is important to plan and calculate your monthly grocery budget. Sure, grocery prices can be hitting ridiculous prices, but you don't have to spend a lot of money on it.</p>
<h2 id="toc1">How to Save Money on Groceries</h2>
<p>Here are a few easy ways on how to save money on groceries:</p>
<h3 id="toc1_1">1. Calculate The Money You Need to Spend</h3>
<p>You can make a meal plan and grocery list before you leave your house. When you get to the grocery shop, stick to the list. Don't give yourself any room for buying things you don't really need. If you go shopping with your family, you can let your kids help to plan the meals and find the items.</p>
<h3 id="toc1_2">2. Know When to Shop</h3>
<p>When it comes to getting a good deal, timing is a key. Some experts say it's cheaper to do your food shopping on Wednesdays. That is because grocery stores restock their shelves in midweek and mark down what they didn't sell from the week before.</p>
<p>You can also try to avoid shopping on the weekends, because the bigger crowds equal fewer deals.</p>
<h3 id="toc1_3">3. Clean Up Your Pantry</h3>
<p>You can look through your pantry or fridge, and see what kinds of meals and drinks you can throw together with the ingredients you already have. You might still need to buy a few items, but you'll save a lot of money by using food you already have.</p>
<h3 id="toc1_4">4. Think Before You Buy in Bulk</h3>
<p>The big bulks with a discount at the stores are not always automatically the cheaper option. When you're grocery shopping on a budget, make sure to stop and compare the price per unit for the item that you're buying so you can save money for groceries. Don't buy items more than you really need.</p>
<h3 id="toc1_5">5. Start Storing Your Meals</h3>
<p>You can start to make a bunch of freezer meals and then reap the benefits later. Not only will you <a href="https://www.crazytexassavings.com/2022/05/how-to-save-money.html">save money</a> but you will also save time.</p>
<h3 id="toc1_6">6. Consider Paying With Cash</h3>
<p>The best way to make sure you'll end up with a lower budget is to stick to your grocery <a href="https://www.crazytexassavings.com/2022/05/ways-and-tips-budgeting.html">budget plan</a> and pay it with cash. When you go to the store with cash in hand, you will know exactly how much you can spend, because once the cash runs out, you will have enough.</p>
<p>In this way, you can save money for groceries and you'll have a better picture of how much you can actually afford on every grocery shopping.</p>
<h3 id="toc1_7">7. Order A Curbside Pickup</h3>
<p>Shopping online can be an easy way to compare brand prices, see what's on the sale, and watch the total prices add up in real time without the calculator.</p>
<p>When you order your groceries for curbside pickup, it's a lot easier to avoid the temptation to buy more items when you can type everything you need into the search bar.</p>
<h3 id="toc1_8">8. Try Different Grocery Stores</h3>
<p>If you want to <a href="https://www.crazytexassavings.com/2022/06/how-to-save-money-at-restaurant.html">save money on meals</a>, be sure to check the weekly ads in your closest area for what's on sale at competing grocery stores. You may find out that shopping at the store down the street is costing extra money in the long run.</p>
<h3 id="toc1_9">9. Buy Meat Only When It's on Sale</h3>
<p>You can look for cuts of meat that are cheaper alternatives to what you usually buy. Instead of buying chicken breasts, choose chicken thighs. Also skip the sirloin and grab a ground chuck.</p>
<h3 id="toc1_10">10. Use The Items That You Buy</h3>
<p>Try your best to actually use the items that you buy at the grocery store. Put a list of meals inventory on the front of your refrigerator to help jog your memory. Just don't let your food go to waste.</p>
<h3 id="toc1_11">11. Negotiate Everything</h3>
<p>The first key to getting a big bargain is to negotiate everything to save money on grocery, even at the grocery store. The sticker price is the starting point, not the final price. You just have to ask to negotiate.</p>
<p>This doesn't mean you should stand at the checkout counter and shout about the new prices at the cashier for each item they scan. But if you notice that the fruit you're about to buy only has two days before it expires, ask for a discount.</p>
<h3 id="toc1_12">12. Skip The Packaging</h3>
<p>You can go for the unpackaged fruits and veggies whenever you can. They're much cheaper and usually healthier too. You will have to spend a little extra time chopping and prepping for it, it's more money back in your wallet.</p>
<h3 id="toc1_13">13. Don't Be Afraid to Return The Items</h3>
<p>There are times after we go shopping, we feel the items that we purchased are not in accordance with what is needed. If the grocery shop allows the buyers to return their groceries as long as the product is still sealed, then don't be afraid to return it. Otherwise, you will end up wasting money on something useless.</p>
<h3 id="toc1_14">14. Shop at The Farmers Market</h3>
<p>Although not everything at a farmers market is going to be cheaper, by the end of the day, most farmers don't want to take their food home with them. You can walk around your local farmers market at closing time and see what kind of deals you can get.</p>
<p>Make a reasonable offer for the box of items they have left. Chances are, you'll get a great deal of such delicious fresh fruits and veggies.</p>
<h3 id="toc1_15">15. Grow Your Own Food</h3>
<p>Growing your own food is a great way to eat healthy on a budget. You can grow your own fruits or veggies in your garden and you won't have to buy any at the store. You can just grab them from your garden.</p>
<p>However, if you don't have a garden yard, there are plenty of indoor garden kits out there. You can start small by planting herbs like parsley, cilantro or rosemary right there in your kitchen window. If you can't use your harvest right away, you can just puree and pour it into ice cube trays to freeze.</p>
<p>Grocery budgeting can help you lower your monthly grocery bill as long as you can stick to your budget plan. That way, you can invest for the future or save it for something fun. Now that you know how to easily save money on groceries, try one of these budget tips on your next trip to the grocery store.</p><div class="blogger-post-footer">The best place to find weekly ads, budgeting and saving tips, visit <a href="https://www.crazytexassavings.com/">Crazy Texas Savings</a>. <a href="https://www.crazytexassavings.com/sitemap.xml">Sitemap</a>.</div>Unknownnoreply@blogger.comtag:blogger.com,1999:blog-4231019082491119698.post-65783859269988644182022-06-01T07:40:00.002-07:002022-06-02T20:50:41.173-07:0021 Ways to Save Money at a Restaurant All Food-Goers Should Know<div style="clear: both;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiFkQ1WJp_Cku7rpzR8_KWrqzXvWvIvoYB588QsYaBkAyYQ6IirGtOVsCTOiiRbgI5yni6isg1V1Jf6sB6cQ5T31129gtxbE00VWgJLtEI-Q1D-Wieff4xvKXg1mwk1FGRB7x2fK7MtfBiJIs_tXKz7YnOkuE_ZSRZrpJkUqGgITuSq4U8xu6leYCyT/s1600/How%20to%20Save%20Money%20at%20Restaurants.jpg" style="display: block; padding: 1em 0; text-align: center; "><img alt="How to Save Money at Restaurants" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiFkQ1WJp_Cku7rpzR8_KWrqzXvWvIvoYB588QsYaBkAyYQ6IirGtOVsCTOiiRbgI5yni6isg1V1Jf6sB6cQ5T31129gtxbE00VWgJLtEI-Q1D-Wieff4xvKXg1mwk1FGRB7x2fK7MtfBiJIs_tXKz7YnOkuE_ZSRZrpJkUqGgITuSq4U8xu6leYCyT/s1600/How%20to%20Save%20Money%20at%20Restaurants.jpg"/></a></div>
<p>Do you spend 3 to 4 times a week, or more, eating at a restaurant? Or do you just go to a restaurant casually a couple of times a month? Whether you are a keen or just a casual food-goer, eating at restaurants can drain your pocket.</p>
<p>So, how do you keep a regular dine-out at a restaurant with as little money as possible? Find out 21 ways to save money at a restaurant cleverly on the following page.</p>
<div class="toc">
<input type="checkbox" role="button" id="toctoggle" class="toctoggle"><div class="toctitle">Contents<span class="toctogglespan"><label class="toctogglelabel" for="toctoggle"></label></span></div>
<ul>
<li>1 <a href="#toc1" title="How to Save Money at Restaurants">How to Save Money at Restaurants</a>
<ul>
<li>1.1 <a href="#toc1_1" title="Keep Half of Your Meal for Later">Keep Half of Your Meal for Later</a></li>
<li>1.2 <a href="#toc1_2" title="Use Coupons">Use Coupons</a></li>
<li>1.3 <a href="#toc1_3" title="Lunch Date is Cheaper">Lunch Date is Cheaper</a></li>
<li>1.4 <a href="#toc1_4" title="Skip Beverages">Skip Beverages</a></li>
<li>1.5 <a href="#toc1_5" title="Birthday Discount is Fun">Birthday Discount is Fun</a></li>
<li>1.6 <a href="#toc1_6" title="Forget the Appetizer">Forget the Appetizer</a></li>
<li>1.7 <a href="#toc1_7" title="Share with a Friend">Share with a Friend</a></li>
<li>1.8 <a href="#toc1_8" title="Know Coffee Shop Hacks">Know Coffee Shop Hacks</a></li>
<li>1.9 <a href="#toc1_9" title="Get It to Go">Get It to Go</a></li>
<li>1.10 <a href="#toc1_10" title="Order Kids' Menu">Order Kids’ Menu</a></li>
<li>1.11 <a href="#toc1_11" title="Go on Monday or Tuesday">Go on Monday or Tuesday</a></li>
<li>1.12 <a href="#toc1_12" title="Skip Major Holidays">Skip Major Holidays</a></li>
<li>1.13 <a href="#toc1_13" title="Save Your Lunch Money">Save Your Lunch Money</a></li>
<li>1.14 <a href="#toc1_14" title="Stay Away from Sports Bar">Stay Away from Sports Bar</a></li>
<li>1.15 <a href="#toc1_15" title="Choose Restaurants that Offer Free Meals for Kids">Choose Restaurants that Offer Free Meals for Kids</a></li>
<li>1.16 <a href="#toc1_16" title=""Happy Hour", Happy Pocket">"Happy Hour", Happy Pocket</a></li>
<li>1.17 <a href="#toc1_17" title="Stick on Your Plans for Outings">Stick on Your Plans for Outings</a></li>
<li>1.18 <a href="#toc1_18" title="Avoid Impulse Buys">Avoid Impulse Buys</a></li>
<li>1.19 <a href="#toc1_19" title="Prepare to Tip">Prepare to Tip</a></li>
<li>1.20 <a href="#toc1_20" title="Order Desserts Only">Order Desserts Only</a></li>
<li>1.21 <a href="#toc1_21" title="Stick on Your Budget">Stick on Your Budget</a></li>
</ul>
</li>
</ul>
</div>
<h2 id="toc1">How to Save Money at Restaurants</h2>
<h3 id="toc1_1">1. Keep Half of Your Meal for Later</h3>
<p>Saving half of your meal can help you cut expenses when eating at a restaurant. So, make sure that you ask for a to-go box just before your food is served on your table. Once you get the food, you can stash half of it in the to-go box you ordered earlier.</p>
<p>In this way, you can enjoy the food later at home or for lunch tomorrow. It also means that you can get 2 meals for the price of one.</p>
<h3 id="toc1_2">2. Use Coupons</h3>
<p>You can always use coupons to get a discount on the food you order. It is not shameful. In fact, it is a <a href="https://www.crazytexassavings.com/2022/05/how-to-save-money.html" title="great way to save money">great way to save money</a> while enjoying your favorite foods.</p>
<p>To get the coupons, you can sign up for them. Then, your favorite restaurants send you email alerts. To avoid annoying a cluttered inbox, you can create an email address specially used for the coupons.</p>
<h3 id="toc1_3">3. Lunch Date is Cheaper</h3>
<p>Instead of dinner, switch to a lunch date at a restaurant to save your money. A lunch date is not only much more affordable but it is also possible for you to enjoy extras such as salad or soup. You can get the extras along with the meal at much cheaper prices if compared to the main dish served at dinnertime.</p>
<h3 id="toc1_4">4. Skip Beverages</h3>
<p>When you are at a restaurant, keep in mind that you go there for the food, not soda, tea, or coffee. A cup of water is more than enough.</p>
<p>So, the next time you decide to dine in at a restaurant, make sure that you ask for a cup of water. Most restaurants serve it for free. This will make it possible for you to cut off roughly 3 bucks per person.</p>
<h3 id="toc1_5">5. Birthday Discount is Fun</h3>
<p>If it is your birthday, order something special at your favorite restaurant. Lucky you that many restaurants offer birthday discounts for visitors now.</p>
<p>No matter how many people eat at your table to celebrate your birthday, you can multiply it by the total number of people you invite. All you need to do is sign up for an online birthday club at a restaurant where you want to celebrate your special day.</p>
<h3 id="toc1_6">6. Forget the Appetizer</h3>
<p>Skipping an appetizer can be a great option to take if you want to save money at a restaurant. It is something possible to do especially if the restaurant you choose offers free chips, bread, or salsa. With the free offering, you can cut off your expenses up to at least $9.</p>
<h3 id="toc1_7">7. Share with a Friend</h3>
<p>To save money, you can also share a meal with your friend or sibling. Keep in mind that portions of a meal in the United States are usually big enough for one person, enabling you to share it with someone.</p>
<p>Even if you share your meal, you can still order an extra side to get you fuller while saving money at the same time.</p>
<h3 id="toc1_8">8. Know Coffee Shop Hacks</h3>
<p>Indeed, a coffee shop is not a restaurant. But, many people spend a lot of money for just a cup of drive-through coffee before going to the office. You can save some cash on your favorite coffee by ordering through an app. This will allow you to score rewards points.</p>
<h3 id="toc1_9">9. Get It to Go</h3>
<p>If you want to have a date at minimum costs, you can get your food to go, instead of dining in. Make it an affordable but fun date by eating the food at home while watching a movie rental.</p>
<p>But keep in mind that instead of 20%, tip the takeout person around 10%. This is because the takeout person spends about 5 minutes wrapping your food. There will be no an-hour filling of drinks or unlimited salsa to enjoy like if you dine in the restaurant.</p>
<h3 id="toc1_10">10. Order Kids’ Menu</h3>
<p>Ordering from the kids' menu is one of the 21 ways to save money at a restaurant. The portions offered are quite large for adults and of course, the price is cheaper.</p>
<p>However, keep in mind to respect any age limits owned by the restaurant. This is because not all restaurants come with a special menu for kids.</p>
<h3 id="toc1_11">11. Go on Monday or Tuesday</h3>
<p>Going to restaurants on Monday or Tuesday can help you save some money. This is because the first few days of the week are usually slow for restaurants. In this way, special prices are often offered to customers these days for cheap burgers, $10 pizzas, all-you-can-eat wings, and more.</p>
<h3 id="toc1_12">12. Skip Major Holidays</h3>
<p>During major holidays, fixed-price menus are quite common. An entree can reach $49 per person during major holidays. Just compare to the entrée cost that you have to pay on a regular day which only costs $15 per person.</p>
<h3 id="toc1_13">13. Save Your Lunch Money</h3>
<p>If you used to spend money for lunch at a restaurant five times a week, then try to make some budget-friendly dinners from now on.</p>
<p>You can bring the leftovers from your dinners to work the next morning. After that, make sure that you save the money so you can use it for a quality meal at a restaurant later.</p>
<h3 id="toc1_14">14. Stay Away from Sports Bar</h3>
<p>Instead of watching your favorite sports matches in a bar, do it at home to save your money. If you watch the games at home, snacks are pre-purchased. But, in a bar, chances are you will eat mindlessly while watching the game, causing you to spend even more money.</p>
<h3 id="toc1_15">15. Choose Restaurants that Offer Free Meals for Kids</h3>
<p>Many restaurants out there come with free meal options, at least almost free, for kids under 12. However, these offerings are not given every day, just on certain nights per week.</p>
<h3 id="toc1_16">16. "Happy Hour", Happy Pocket</h3>
<p>If you still want to have an appetizer and save your money at the same time, you can try this clever trick. Take your dinner on the early side to allow you to have half-priced appetizers. Then, you can use them as your entrée. However, make sure that you check the prices of the "happy hour" since different restaurants have different rules.</p>
<h3 id="toc1_17">17. Stick on Your Plans for Outings</h3>
<p>Planning your dinner outings will be very helpful in saving money. In this way, make sure that you look at what you have got going on at the start of each week.</p>
<p>Prioritize outings based on the plans you have made before and stick to them. Then, make sure that you eat at home for the rest of the week.</p>
<h3 id="toc1_18">18. Avoid Impulse Buys</h3>
<p>Quick impulse buys are one of the main reasons you spend more than you have planned. These can be last-minute pizza deliveries or easy drive-through orders.</p>
<h3 id="toc1_19">19. Prepare to Tip</h3>
<p>Sticking on your budget when having dinner at a restaurant doesn’t mean that you can skimp on tipping. So, make sure that you prepare to tip when going to a restaurant.</p>
<p>If you don’t want to tip, make sure that you pick up a restaurant like Chipotle that doesn’t have waiters to serve the food.</p>
<h3 id="toc1_20">20. Order Desserts Only</h3>
<p>If you want to spend less while going out, you can eat at home and only order desserts when in a restaurant. As an alternative, you can just get coffee.</p>
<h3 id="toc1_21">21. Stick on Your Budget</h3>
<p>One of the 21 ways to save money at a restaurant is by always doing a budget and sticking to it. Make sure that you <a href="https://www.crazytexassavings.com/2022/05/ways-and-tips-budgeting.html">create your budget</a> at the beginning of the month. Interestingly, there will be many apps to choose from that can help you with this task.</p><div class="blogger-post-footer">The best place to find weekly ads, budgeting and saving tips, visit <a href="https://www.crazytexassavings.com/">Crazy Texas Savings</a>. <a href="https://www.crazytexassavings.com/sitemap.xml">Sitemap</a>.</div>Unknownnoreply@blogger.comtag:blogger.com,1999:blog-4231019082491119698.post-9802962168835913392022-05-30T18:52:00.002-07:002022-06-02T20:42:34.745-07:00What is inflation? Learn About Inflation, Its Terms, and How to Fight Against It<p>What is inflation in economics? A lot is going on around the globe, to be sure. In certain respects, we haven't got any breaks from thinking about things. And when we thought things were starting to calm down, along comes inflation.</p>
<div class="toc">
<input type="checkbox" role="button" id="toctoggle" class="toctoggle"><div class="toctitle">Contents<span class="toctogglespan"><label class="toctogglelabel" for="toctoggle"></label></span></div>
<ul>
<li>1 <a href="#toc1" title="What exactly is inflation?">What exactly is inflation?</a></li>
<li>2 <a href="#toc2" title="Other Inflation Terms in Economics">Other Inflation Terms in Economics</a>
<ul>
<li>2.1 <a href="#toc2_1" title="Deflation">Deflation</a></li>
<li>2.2 <a href="#toc2_2" title="Stagflation">Stagflation</a></li>
<li>2.3 <a href="#toc2_3" title="Hyperinflation">Hyperinflation</a></li>
</ul>
</li>
<li>3 <a href="#toc3" title="Inflation's Impact on You and the Economy">Inflation's Impact on You and the Economy</a></li>
<li>4 <a href="#toc4" title="How Can You Protect Yourself From Inflation?">How Can You Protect Yourself From Inflation?</a>
<ul>
<li>4.1 <a href="#toc4_1" title="Keep your cool.">Keep your cool.</a></li>
<li>4.2 <a href="#toc4_2" title="Spending plan">Spending plan</a></li>
<li>4.3 <a href="#toc4_3" title="Keep.">Keep.</a></li>
<li>4.4 <a href="#toc4_4" title="Invest money.">Invest money.</a></li>
</ul>
</li>
</ul>
</div>
<p>If you were to summarize the US economy in one word right now, it would be inflation. What was once a terrible chapter in high school economics is today the hottest topic around the water cooler. What is the definition of inflation? Here's where you'll get the answer.</p>
<h2 id="toc1">What exactly is inflation?</h2>
<div style="clear: both;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjwdUIV-qz-fwMd3yKm6AzVBe382fmt4C-WkmBeZgoTgj34TZjiLEzTBZr5MzIXOleu3kPNpSWMGJWJQQ2HdkRJcaEaP51SEArzWG3_yI-wC8YJzShQ9gPRw0Xk7Hxqf96kwlZ00Dea1IC5t2ihKWFlQd6TCvy6tHqvxkiQCUxKJ6MGoov3-LuPKaJb/s1600/What%20is%20inflation.jpg" style="display: block; padding: 1em 0; text-align: center; "><img alt="What is inflation" data-original-height="752" data-original-width="1345" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjwdUIV-qz-fwMd3yKm6AzVBe382fmt4C-WkmBeZgoTgj34TZjiLEzTBZr5MzIXOleu3kPNpSWMGJWJQQ2HdkRJcaEaP51SEArzWG3_yI-wC8YJzShQ9gPRw0Xk7Hxqf96kwlZ00Dea1IC5t2ihKWFlQd6TCvy6tHqvxkiQCUxKJ6MGoov3-LuPKaJb/s1600/What%20is%20inflation.jpg"/></a></div>
<p>Inflation is a situation when the price of goods and services is increasing. It's based on how much prices rise over time and how the value of money decreases as a result of those price increases.</p>
<p>It's hardly the best dinner party conversation starter. However, inflation is not a new phenomenon. It's not some obscure financial word that didn't appear until 2022. Inflation has always existed.</p>
<h2 id="toc2">Other Inflation Terms in Economics</h2>
<h3 id="toc2_1">Deflation</h3>
<p>If you Google "what is inflation," this one will almost certainly come up next, so let's tackle that as well. Deflation occurs when the price of goods and services falls over time and the rate of inflation falls below 0%. Simply said, deflation simply means that you can get more bang for your buck (or purchasing power), whether you go shopping or shop online.</p>
<p>Even though deflation allows your money to go further, it is not a positive thing in this case. See, deflation brings with it a slew of other issues, including no economic growth, stagnant income, and a large number of job losses. However, we are more concerned about inflation than deflation these days.</p>
<h3 id="toc2_2">Stagflation</h3>
<p>Stagflation occurs when economic growth slows (or comes to a complete halt), unemployment is high, and the cost of goods and services continues to rise. Oh, and it all occurs at the same moment.</p>
<p>Stagflation last rocked the United States in the 1970s, but some analysts fear it will happen again if things don't improve soon.</p>
<h3 id="toc2_3">Hyperinflation</h3>
<p>Hyperinflation is inflation on steroids, as the name implies. Hyperinflation occurs when the price of products increases rapidly and is out of control.</p>
<p>Most economists agree that hyperinflation is defined as monthly price increases of 50% or more. A gallon of milk, for example, went from $3.50 in May to $5.25 in June to $7.88 in July. Sheesh.</p>
<p>Yes, that seems absurd, as if it could never happen, yet it did happen in Germany following World War I. Still, hyperinflation is a rare occurrence.</p>
<p>And, since you're probably just curious, what exactly is inflation? Let's return to the topic of regular inflation, which is currently occurring.</p>
<h2 id="toc3">Inflation's Impact on You and the Economy</h2>
<p>What exactly is inflation, if you're still wondering? Remember that most inflation stems from the basic supply and demand problem (as many of us are these days).</p>
<p>When people can't find what they need or desire, the price rises and a scarcity mindset develops (where you believe there won't be enough of something left for you to have any). If you can supply enough stuff to the market, demand will fall and prices will fall.</p>
<strong>Oversupply = lower prices. Undersupply = higher prices.</strong>
<p>When inflation occurs, the repercussions are felt quickly in stores—and your wallet.</p>
<p>Meat and seafood prices have increased by 79%, dairy prices have increased by 76%, and fresh vegetable prices have increased by 71%.7 as prices rise, the dreaded term "inflation" begins to affect you.</p>
<p>Regular things that you used to be able to purchase for a reasonable price have suddenly increased in price. I don't recall cheese being so expensive! Yes, you're not making it all up.</p>
<h2 id="toc4">How Can You Protect Yourself From Inflation?</h2>
<p>If you're thinking to yourself that you will be able to avoid inflation, you better reconsider. What can you do to protect yourself from the effects of inflation? Plenty.</p>
<h3 id="toc4_1">Keep your cool.</h3>
<p>When people talk about inflation, it seems like everyone wants to fill up every container they own with fuel, start accumulating gold, panic, purchase baking yeast, and bury their money beneath their mattress. Oh my goodness, pal.</p>
<p>Slow down, take a deep breath, and relax. You do not need to be concerned as you prepare. And the first step is to maintain your composure.</p>
<h3 id="toc4_2">Spending plan</h3>
<p>You still have power over your money, inflation or not. With some <a href="https://www.crazytexassavings.com/2022/05/ways-and-tips-budgeting.html" title="tips budgeting your money">tips budgeting your money</a> from this site, you'll be able to ensure that your money is going to the appropriate places while also identifying areas where you may save money.</p>
<p>On the less enjoyable side of things, if you see that prices for goods like food and petrol are rising in your area, you'll need to adapt your budget as well.</p>
<p>Did the price of a gallon of milk increase from $3.50 to $3.99? I've been there before.) You'll know exactly how much money you're working with and won't be caught off guard.</p>
<p>Allow your budget to guide you while you hunt for <a href="https://www.crazytexassavings.com/2022/05/how-to-save-money.html" title="ways to save money">ways to save money</a> so you can pay for that ridiculously expensive milk. Maybe you don't have to pay for your child's ballet class for the next few months because you're not traveling right now.</p>
<h3 id="toc4_3">Keep.</h3>
<p>If you're in a tight spot and want to save even more money, search for ways to cut your grocery bill or <a href="https://www.crazytexassavings.com/2022/05/tips-how-to-save-money-on-gas.html" title="save money on gas">save money on gas</a> right now. Perhaps it's time to make the move to generic brands or carpool to work.</p>
<p>And if you find good bargains on canned food and other items that you can stock your pantry with (and will use), stock up. Just make sure you've set aside money for it before you go shopping.</p>
<p>That way, you'll know exactly how much you'll spend and won't be tempted by impulse purchases (toilet paper in the year 2020, anyone?).</p>
<h3 id="toc4_4">Invest money.</h3>
<p>Whether you like it or not, inflation is a reality. If you retire in 20 or 30 years, the cost of a loaf of bread, a tank of gas, and a cup of coffee will almost certainly have increased.</p>
<p>The greatest method to protect yourself from inflation (which is unavoidable) is to invest your money as soon as possible.</p>
<p>However, if you still have debt (other than your home) and you don't have an emergency fund, you must address both of these issues first. The sooner you take care of all of that, the sooner you can start investing and working for your long-term objectives.</p>
<p>What is inflation? Well, you can certainly combat it—all you need are the correct tools. Are you prepared to fight inflation? Start with a good investment strategy.</p>
<p>You can consult with your financial advisor to manage your money in the right way so that you can be free from any serious financial problems in the future.</p><div class="blogger-post-footer">The best place to find weekly ads, budgeting and saving tips, visit <a href="https://www.crazytexassavings.com/">Crazy Texas Savings</a>. <a href="https://www.crazytexassavings.com/sitemap.xml">Sitemap</a>.</div>Unknownnoreply@blogger.comtag:blogger.com,1999:blog-4231019082491119698.post-88999206897252337382022-05-30T07:30:00.003-07:002022-06-02T20:42:22.029-07:00How to Save Money on Gas? Here are 10 BEST Tips<p>How to save money on gas right now in 2022? Saving money on gas will be useful because you can use your money for other needs. You are possible to save more money on your gas consumption.</p>
<div class="toc">
<input type="checkbox" role="button" id="toctoggle" class="toctoggle"><div class="toctitle">Contents<span class="toctogglespan"><label class="toctogglelabel" for="toctoggle"></label></span></div>
<ul>
<li>1 <a href="#toc1" title="How to Save Money on Gas Right Now?">How to Save Money on Gas Right Now?</a>
<ul>
<li>1.1 <a href="#toc1_1" title="Shop around for the cheapest gas.">Shop around for the cheapest gas.</a></li>
<li>1.2 <a href="#toc1_2" title="Combine your appointments.">Combine your appointments.</a></li>
<li>1.3 <a href="#toc1_3" title="Use cash-back apps to your advantage.">Use cash-back apps to your advantage.</a></li>
<li>1.4 <a href="#toc1_4" title="Make use of your cruise control.">Make use of your cruise control.</a></li>
<li>1.5 <a href="#toc1_5" title="Maintain proper tire inflation.">Maintain proper tire inflation.</a></li>
<li>1.6 <a href="#toc1_6" title="Get rid of the additional pounds.">Get rid of the additional pounds.</a></li>
<li>1.7 <a href="#toc1_7" title="Participate in gas rewards programs.">Participate in gas rewards programs.</a></li>
<li>1.8 <a href="#toc1_8" title="Become a member of a warehouse.">Become a member of a warehouse.</a></li>
<li>1.9 <a href="#toc1_9" title="Stop purchasing pricey products.">Stop purchasing pricey products.</a></li>
<li>1.10 <a href="#toc1_10" title="Make a cash payment.">Make a cash payment.</a></li>
</ul>
</li>
<li>2 <a href="#toc2" title="What Should You Do With the Petrol Money You Save?">What Should You Do With the Petrol Money You Save?</a>
<ul>
<li>2.1 <a href="#toc2_1" title="Keep it.">Keep it.</a></li>
<li>2.2 <a href="#toc2_2" title="Get out of debt.">Get out of debt.</a></li>
<li>2.3 <a href="#toc2_3" title="Increase your savings.">Increase your savings.</a></li>
<li>2.4 <a href="#toc2_4" title="Invest the money.">Invest the money.</a></li>
<li>2.5 <a href="#toc2_5" title="Make a budget.">Make a budget.</a></li>
</ul>
</li>
</ul>
</div>
<p>For all of you who want to save money on petrol, you need to change your previous habit. Here are some suggestions that you can make to get more benefits from saving money on gas.</p>
<h2 id="toc1">How to Save Money on Gas Right Now?</h2>
<div style="clear: both;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgEucrjR5FGthjYhOapPhVdUh8G89Q4oVzHCzJ8dUg3g5l8W2AX4KVrWI125ub15VmsDp5xt0A9BMEMeav9_2sh0lSeSsrUQrFIKkKeoJwb27AZ48-srvgtQaQ-xzs7zuF0Mt7o9d-f81OFv899SX_n1w2q7dKjkKiKiAA8G85FDtoVWk31sf9zAjoh/s1600/How%20to%20Save%20Money%20on%20Gas.jpg" style="display: block; padding: 1em 0; text-align: center; "><img alt="How to Save Money on Gas" data-original-height="725" data-original-width="1345" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgEucrjR5FGthjYhOapPhVdUh8G89Q4oVzHCzJ8dUg3g5l8W2AX4KVrWI125ub15VmsDp5xt0A9BMEMeav9_2sh0lSeSsrUQrFIKkKeoJwb27AZ48-srvgtQaQ-xzs7zuF0Mt7o9d-f81OFv899SX_n1w2q7dKjkKiKiAA8G85FDtoVWk31sf9zAjoh/s1600/How%20to%20Save%20Money%20on%20Gas.jpg"/></a></div>
<p>You can just sit back and relax because 10 suggestions will teach you <a href="https://www.crazytexassavings.com/2022/05/how-to-save-money.html" title="how to save money">how to save money</a> on gas without having to give up your SUV for a buggy and a horse.</p>
<h3 id="toc1_1">1. Shop around for the cheapest gas.</h3>
<p>Sure, there are occasions when you're riding on fumes and need to acquire gas as soon as possible. However, if you plan ahead, you may come up with some clever ways to save money on gas.</p>
<p>One option is to use an app like GasBuddy or Waze, which searches your area for the best gas prices. You can also keep an eye out on your way to and from work or the kids' school to discover where the best deals are.</p>
<h3 id="toc1_2">2. Combine your appointments.</h3>
<p>Don't go out of your way to get milk when you can get it on your way home from work. Meal planning and making a list of all the household essentials you need can help you cut down on grocery store excursions in general.</p>
<p>You will save more money on petrol if you make fewer excursions out.</p>
<h3 id="toc1_3">3. Use cash-back apps to your advantage.</h3>
<p>Apps may make life easier, especially when they reward you with cash for things you already do. Check for cash-back applications like GetUpside, which will pay you money every time you fill up your gas tank.</p>
<h3 id="toc1_4">4. Make use of your cruise control.</h3>
<p>Having trouble saving money on petrol while traveling on the highway? Here's some quick advice if you spend a lot of time on the highway: Use cruise control to save money on gas and avoid leg cramps.</p>
<h3 id="toc1_5">5. Maintain proper tire inflation.</h3>
<p>There's a common misconception that overinflating your tires saves money on gas. The truth is that this is a Goldilocks situation.</p>
<p>Overinflating will not benefit you, and under inflation will reduce your gas mileage. However, getting the necessary tire pressure for your car just right is like finding that ideal bowl of porridge. And over time, those just-right savings will pile up.</p>
<h3 id="toc1_6">6. Get rid of the additional pounds.</h3>
<p>Remove all items from your roof rack and empty the trunk or cargo space.</p>
<p>It turns out that the heavier your automobile is, the harder your engine needs to work to move all of your stuff around. And a gas-guzzling engine is a harder-working engine.</p>
<p>So clear out your car and enjoy less clutter and fewer gas station visits. Who knew that saving money on gas could be as simple as getting rid of all the junk in your car?</p>
<h3 id="toc1_7">7. Participate in gas rewards programs.</h3>
<p>We're not talking about credit card "reward" points here, believe it or not. (Ew.) We're referring to the possibility that your grocery store offers gas rewards—discounts on gasoline in exchange for purchases that you'd have to make anyhow.</p>
<p>You may be required to sign up for a rewards card, but these are normally completely free and well worth it. Cheaper petrol at the convenience store where you already shop for snacks? Please, yes.</p>
<h3 id="toc1_8">8. Become a member of a warehouse.</h3>
<p>Here's how you can save money on gas by using the money you currently spend at bulk-buy businesses (you know the ones).</p>
<p>Members can save money on petrol at some warehouse retailers. That membership will cost you money, but if you're already a member, you should take advantage of the additional savings.</p>
<p>And if you're not a member, make sure the annual cost is worth it to save money on gas and other expenses before you sign up (like all that bulk cereal shopping).</p>
<h3 id="toc1_9">9. Stop purchasing pricey products.</h3>
<p>Unless you have a high-end vehicle with a manual that specifies premium petrol, ordinary unleaded gas will suffice. The simplest approach to saving money on gas is to switch to normal gas.</p>
<p>Making that fast swap might save you anywhere from 20 to 60 cents per gallon, and most drivers won't even realize the difference. Just be sure that premium petrol isn't a deal breaker for your vehicle, or things could get messy.</p>
<h3 id="toc1_10">10. Make a cash payment.</h3>
<p>Even at the gas station, cash reigns supreme! When paying with cash, some gas stations offer a reduced per-gallon rate.</p>
<p>It's a technique for them to avoid paying the processing expenses. You'll have to take a few more steps to pay the cashier, but it'll be worth it if you can save a few dollars every time you fill up.</p>
<h2 id="toc2">What Should You Do With the Petrol Money You Save?</h2>
<p>So you're <a href="https://www.crazytexassavings.com/" title="saving money">saving money</a> with those suggestions. Great! But what should you do with the extra cash now that you've figured out how to save money on gas? We're grateful you inquired.</p>
<p>Saving money on gas is a fantastic way to make a tiny financial change that can have a large impact. You can use your petrol money for:</p>
<h3 id="toc2_1">1. Keep it.</h3>
<p>It's a wonderful feeling to have additional money in the budget every month. But don't ignore it, or you'll lose track of how much you've spent.</p>
<p>Assuming you have any extra cash, the first thing you should do is start building an emergency fund (if you don't already have one).</p>
<p>That's $1,000 set aside as a safety net in case something unexpected happens. After you've done that, move on to the next step.</p>
<h3 id="toc2_2">2. Get out of debt.</h3>
<p>Debt confines you and your finances to the past. When you're paying off something from last month—or last year—you can't move ahead.</p>
<p>So, once you've built up your emergency fund, use the debt snowball strategy to pay off any remaining debt.</p>
<h3 id="toc2_3">3. Increase your savings.</h3>
<p>Once you've paid off your debts, start saving again until you have a fully funded emergency fund of 3–6 months' worth of spending.</p>
<p>Then you'll be prepared for even bigger life surprises, such as losing your job, needing an emergency root canal, or having your house's roof blown away by a storm.</p>
<h3 id="toc2_4">4. Invest the money.</h3>
<p>Start investing 15% of your take-home salary once you've built up a decent savings account. Retirement is approaching—be prepared!</p>
<h3 id="toc2_5">5. Make a budget.</h3>
<p>You should budget for any extra money you save by implementing these gas saving tips. Don't be concerned—a budget is a good thing. You will get more benefits when you can manage your money in the right way. Read: <a href="https://www.crazytexassavings.com/2022/05/ways-and-tips-budgeting.html" title="Tips for Budgeting and Saving Money">Tips for Budgeting and Saving Money</a>.</p>
<p>It is time for you to save money on gas right now.</p><div class="blogger-post-footer">The best place to find weekly ads, budgeting and saving tips, visit <a href="https://www.crazytexassavings.com/">Crazy Texas Savings</a>. <a href="https://www.crazytexassavings.com/sitemap.xml">Sitemap</a>.</div>Unknownnoreply@blogger.comtag:blogger.com,1999:blog-4231019082491119698.post-66327711687819936202022-05-29T21:19:00.004-07:002022-06-02T20:42:19.370-07:0013 Ways and Tips for Budgeting to Achieve Your Financial Goals<p>For some people, budgeting is still something that seems complicated and makes it difficult to enjoy life. However, the purpose of budgeting is actually to manage finances and to achieve financial goals so that you can have fun and enjoy life more calmly, without regrets.</p>
<div class="toc">
<input type="checkbox" role="button" id="toctoggle" class="toctoggle"><div class="toctitle">Contents<span class="toctogglespan"><label class="toctogglelabel" for="toctoggle"></label></span></div>
<ul>
<li>1 <a href="#toc1" title="Here are 13 Budgeting Tips for Beginners">Here are 13 Budgeting Tips for Beginners</a>
<ul>
<li>1.1 <a href="#toc1_1" title="Distinguish Between Needs and Wants">Distinguish Between Needs and Wants</a></li>
<li>1.2 <a href="#toc1_2" title="Budget to Zero">Budget to Zero</a></li>
<li>1.3 <a href="#toc1_3" title="Set Your Goals Every Month">Set Your Goals Every Month</a></li>
<li>1.4 <a href="#toc1_4" title="Start With the Most Important Things">Start With the Most Important Things</a></li>
<li>1.5 <a href="#toc1_5" title="Make A Schedule">Make A Schedule</a></li>
<li>1.6 <a href="#toc1_6" title="Track and Record Your Budgeting Progress">Track and Record Your Budgeting Progress</a></li>
<li>1.7 <a href="#toc1_7" title="Pay Off Debt">Pay Off Debt</a></li>
<li>1.8 <a href="#toc1_8" title="Cut Off Your Credit Cards">Cut Off Your Credit Cards</a></li>
<li>1.9 <a href="#toc1_9" title="Create Different Bank Account">Create Different Bank Account</a></li>
<li>1.10 <a href="#toc1_10" title="Create A Buffer">Create A Buffer</a></li>
<li>1.11 <a href="#toc1_11" title="Use Cash For Certain Budget Categories">Use Cash For Certain Budget Categories</a></li>
<li>1.12 <a href="#toc1_12" title="Find Additional Income">Find Additional Income</a></li>
<li>1.13 <a href="#toc1_13" title="Be Content With Your Budget Plan">Be Content With Your Budget Plan</a></li>
</ul>
</li>
</ul>
</div>
<p>Your job is to find out which method that suits your situation. Who says budgeting keeps you from enjoying life? Of course you can! The most important thing is to make a budget from the start.</p>
<p>When you start to see planning a budget as simply spending your money intentionally, you can actually find more freedom to spend.</p>
<p>Once your finance has been budgeted for, you'll be able to spend your money without feeling guilty. Some people even say they find 'extra' money after they create a realistic budget and stick with it.</p>
<h2 id="toc1">Here are 13 Budgeting Tips for Beginners</h2>
<div style="clear: both;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEimgNVpaQz0YsR1PPvvM6Djal6Y-_AzQmZrhe2IekCIQ9C9dVwY8wwQbZ1ljOPBzr7pxsiB2rALV4qQMpzWdvntYAbCE1HVot5aM4rmNLOC8mWdBevYdDFCevTKCNHwomx-JScjff64xqfEe-loI7Mx87tsIhunjtCVhj8WUWzuIqTHphEfKleSbw2a/s1600/Budgeting%20Tips.jpg" style="display: block; padding: 1em 0; text-align: center; "><img alt="Budgeting Tips" data-original-height="791" data-original-width="1353" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEimgNVpaQz0YsR1PPvvM6Djal6Y-_AzQmZrhe2IekCIQ9C9dVwY8wwQbZ1ljOPBzr7pxsiB2rALV4qQMpzWdvntYAbCE1HVot5aM4rmNLOC8mWdBevYdDFCevTKCNHwomx-JScjff64xqfEe-loI7Mx87tsIhunjtCVhj8WUWzuIqTHphEfKleSbw2a/s1600/Budgeting%20Tips.jpg"/></a></div>
<h3 id="toc1_1">1. Distinguish Between Needs and Wants</h3>
<p>One way to <a href="https://www.crazytexassavings.com/">manage personal finances</a> is to distinguish between what you need and what you want. Needs are things that are important and you need in everyday life.</p>
<p>When you are going to buy something, don't forget to ask yourself whether the item is the thing you need or just what you want?</p>
<p>If you can distinguish between needs and wants, you will be able to budget better. Avoid buying things that are not necessary if you have not met your needs.</p>
<h3 id="toc1_2">2. Budget to Zero</h3>
<p>It means before the month starts, you're making a plan and giving every dollar a name. It's called a zero-based budget.</p>
<p>That doesn't mean you have zero dollars in your bank account. It just means that your income minus all your expenses equals zero.</p>
<h3 id="toc1_3">3. Set Your Goals Every Month</h3>
<p>Be sure to adjust your budget goals each month as your needs change. Make a savings fund you can stash cash in throughout the year.</p>
<p>When you don't have a specific plan, you're going to be stressed. And it takes all the fun out of giving and celebrating. Financial goals will make your target and budgeting plan much easier.</p>
<p>When you have financial goals, you will be encouraged to manage your finances as wisely as possible. If you are a little careless, your financial goals will fail to be achieved.</p>
<h3 id="toc1_4">4. Start With the Most Important Things</h3>
<p>Once your basic needs and true necessities are taken care of, you can fill in the rest of the categories that you need in your budget.</p>
<h3 id="toc1_5">5. Make A Schedule</h3>
<p>You can pick specific dates for other expenses while you're making a budget part of your monthly routine.</p>
<p>You also could set up auto drafts out of your checking account to pay your bills, or you could buy your groceries on a set day every week or twice a month.</p>
<p>When you know what to expect and when to expect it, you take a lot of stress and potential problems out of your life.</p>
<h3 id="toc1_6">6. Track and Record Your Budgeting Progress</h3>
<p>Tracking your budgeting will help you move forward. Think about how you can tighten, spend, or maybe even pick up an extra income so you can get to your goals faster.</p>
<p>It's essential to check your progress from time to time. If you're married, get together and discuss your goals with your partner. If not, find someone close to check in with.</p>
<p>The next step is to record all the income you get every month, including the salary you receive regularly every month as well as your additional income.</p>
<p>Do not forget to also record expenses in detail. This record is very important to know where your money goes each month to achieve your financial goals. This method also can be used by all family members as a way to manage family finances.</p>
<h3 id="toc1_7">7. Pay Off Debt</h3>
<p>Stop letting the debt rob you of the very thing that helps you win with your income. If you have debt, paying it off should be a top priority on your budgeting goals.</p>
<h3 id="toc1_8">8. Cut Off Your Credit Cards</h3>
<p>If you're really committed to sticking to a budget plan and getting out of debt, you need to ditch your credit cards for good.</p>
<p>Having no credit card debt will mean no more minimum payments to add to the budget, zero scuffle with fees or high interest rates, and less stress and worry. Stick to using your debit card or even cash.</p>
<h3 id="toc1_9">9. Create Different Bank Account</h3>
<p>You can divide the monthly salary easily if you have different bank accounts.</p>
<p>This will prevent your money from getting mixed up. So that financial storage becomes more organized. To make it easier, you can first create two bank accounts.</p>
<p>One account to receive salaries from your company, the other for savings. Each month, put a portion of your monthly salary into a savings account. If necessary, enter it as a deposit fund, so that it can last longer in the bank.</p>
<h3 id="toc1_10">10. Create A Buffer</h3>
<p>You can put a small amount of money aside for unexpected expenses throughout the month. Label this as your miscellaneous category in your budget plan.</p>
<p>In that way, when something comes up, you can cover it without taking away money you've already put somewhere else.</p>
<p>Keep track of your expenses that frequently end up in this category. Eventually, you might even want to promote them to a permanent spot in your budget plan.</p>
<h3 id="toc1_11">11. Use Cash For Certain Budget Categories</h3>
<p>If you're constantly overspending on your grocery budget or fun money, cash out those categories and use the cash system to hold you accountable with the money.</p>
<p>Just go to the bank and pull out the cash amount you've budgeted for those categories. Once the cash runs out, you need to stop spending it.</p>
<p>Do not pull out the cash again until your money in the wallet runs out. This will help you to track your financial goals and control expenses.</p>
<p>With a small amount of money in hand, you will think twice about buying necessities. So only buy what is essential and necessary.</p>
<h3 id="toc1_12">12. Find Additional Income</h3>
<p>You can find extra income after work, or "freelance". For people who can make time after working hours, freelance work is a way to arrange an alternative monthly salary when the necessities of life are too big.</p>
<p>In addition, working freelance will also help you secure financially when you suddenly lose your job. Currently there are many business opportunities that can be utilized only from home. You can become a writer, social media influencer, product reseller, and more.</p>
<h3 id="toc1_13">13. Be Content With Your Budget Plan</h3>
<p>Don't compare your financial goals and budget plan to anyone else's. Comparison will not only rob you of your joy but also your paycheck.</p>
<p>Keep moving forward and doing what's right. It won't be perfect for the first time but you will get there.</p><div class="blogger-post-footer">The best place to find weekly ads, budgeting and saving tips, visit <a href="https://www.crazytexassavings.com/">Crazy Texas Savings</a>. <a href="https://www.crazytexassavings.com/sitemap.xml">Sitemap</a>.</div>Unknownnoreply@blogger.comtag:blogger.com,1999:blog-4231019082491119698.post-44505040760749372272022-05-28T19:27:00.005-07:002022-06-02T20:42:16.180-07:00How to Save Money: Try our 22 Tips for Saving Money<p>Tired of Living Paycheck-to-Paycheck? Try our Tips for Saving Money.</p>
<div class="toc">
<input type="checkbox" role="button" id="toctoggle" class="toctoggle"><div class="toctitle">Contents<span class="toctogglespan"><label class="toctogglelabel" for="toctoggle"></label></span></div>
<ul>
<li>1 <a href="#toc1" title="Best ways to save money">Best ways to save money</a>
<ul>
<li>1.1 <a href="#toc1_1" title="Saving money on groceries.">Saving money on groceries.</a></li>
<li>1.2 <a href="#toc1_2" title="Canceling subscription-based service.">Canceling subscription-based service.</a></li>
<li>1.3 <a href="#toc1_3" title="Avoiding popular brands.">Avoiding popular brands.</a></li>
<li>1.4 <a href="#toc1_4" title="Saying goodbye to cable TV.">Saying goodbye to cable TV.</a></li>
<li>1.5 <a href="#toc1_5" title="Eating your own lunch.">Eating your own lunch.</a></li>
<li>1.6 <a href="#toc1_6" title="Paying things in cash.">Paying things in cash.</a></li>
<li>1.7 <a href="#toc1_7" title="Reducing energy usage.">Reducing energy usage.</a></li>
<li>1.8 <a href="#toc1_8" title="Living minimally.">Living minimally.</a></li>
</ul>
</li>
<li>2 <a href="#toc2" title="How to Start Saving Money">How to Start Saving Money</a></li>
</ul>
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<p>Starting new habits to save money can be a life-changing experience. For people who live paycheck to paycheck, saving money seems impossible. In reality, saving money doesn’t require a specific time or circumstance. In addition, you don't need to have a copious amount of income to start saving. Instead of waiting for some miracles, you can begin to save money right now. So, here are our tips for saving money.</p>
<div class="separator"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgMtIO0gR-imAj8eav3Q-bs8ytGJm3mG5cNYbJsXaY9L5Xp8zg2w-naBK8esziCiv9ZvOK4Utv3EDQjFFQBqjq6thnb2vVz7rH4d4-3hs3-1LgjhCDx527xwzS9WBkOclOYks4JGXl8nB312Ik1wN_-NNy_lmm8JiQEar6ILR0UdHTqcZNR0MJpLo9C/s1600/How%20to%20Save%20Money%2022%20Simple%20Tips.jpg" style="display: block; padding: 1em 0; text-align: center; "><img alt="How to Save Money: 22 Simple Tips" data-original-height="1056" data-original-width="1920" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgMtIO0gR-imAj8eav3Q-bs8ytGJm3mG5cNYbJsXaY9L5Xp8zg2w-naBK8esziCiv9ZvOK4Utv3EDQjFFQBqjq6thnb2vVz7rH4d4-3hs3-1LgjhCDx527xwzS9WBkOclOYks4JGXl8nB312Ik1wN_-NNy_lmm8JiQEar6ILR0UdHTqcZNR0MJpLo9C/s1600/How%20to%20Save%20Money%2022%20Simple%20Tips.jpg"/></a></div>
<b>Why is saving money important?</b>
<p>Despite the advantages that it can bring, many people are struggling to start saving money. Other than saving your life from debt, saving money can give you a lot of advantages. For instance, by saving money, you don't need to worry about your spending during emergencies. Since you will use your own savings, it can dissuade you from using a credit card or applying for loans.</p>
<p>Besides emergencies, there are always reasons to start saving money. You may want to start saving money for a house, a car, or even an education. Regardless of the reason, saving money can give you monetary freedom in achieving your goals. Lastly, saving money can be a great way to accumulate your wealth. Moreover, saving is the best way to invest in the future.</p>
<h2 id="toc1">Best ways to save money</h2>
<p>You can start saving money by doing several things, such as spending less on groceries, using mass transport instead of a private vehicle, etc. But, certain changes in habits may not be suitable for your lifestyle. So, we have provided several tips that you can do to start saving money.</p>
<h3 id="toc1_1">1. Saving money on groceries.</h3>
<p>Have you ever gone on monthly grocery shopping only to be shocked by how much money you actually spend? If yes, it is probably the main reason behind your difficulty in saving. To overcome the problem, try to spend less money on groceries by planning your weekly meal. By doing that, you can easily determine the essentials to get you through the week without having to pay extra.</p>
<h3 id="toc1_2">2. Canceling subscription-based service.</h3>
<p>Netflix and other streaming services have become the most common way of spending free time. But, have you considered how much subscription-based entertainment services cost? A 2021 survey report by West Monroe revealed that the average US household spent around $273 per month on subscription services. So, unless you have all the money in the world, canceling those services is a good idea.</p>
<h3 id="toc1_3">3. Avoiding popular brands.</h3>
<p>Choosing a generic brand is one of the best ways of saving money. It may be hard to believe, but name-brand products are not better than generics. The only strong point of name-brand products is the marketing campaign made to make them stand out from the rest. So, next time you're going to the store, pick those generic cola brands instead of Coca Cola or Pepsi.</p>
<h3 id="toc1_4">4. Saying goodbye to cable TV.</h3>
<p>TV is expensive, messy, and outdated. Despite that, a 2021 Statista report about the average monthly cost for satellite TV services in the US revealed that around 39% of customers spent more than $100 a month on TV. Despite the high price, TV service is not better than other streaming services. So, as one of the tips for saving money, we highly recommend you cancel your TV service and opt for streaming services instead.</p>
<h3 id="toc1_5">5. Eating your own lunch.</h3>
<p>When you're working in an office, it is very easy to spend some money on lunch. While it only costs around $3 to $5, buying lunch is not the best way of saving money. Instead of doing that, try to bring and eat your own homemade lunch. Besides saving a couple of bucks, eating your own prepared lunch is also a healthier option. So, despite the inconvenience, preparing your own lunch is worth a shot.</p>
<h3 id="toc1_6">6. Paying things in cash.</h3>
<p>Despite the oddity, paying things in cash can be the best tip for saving money. By paying in cash, you will have full buying power and room for price negotiation. This can be applied to big and small purchases, such as cars, etc. So, start paying things in cash now to start saving money.<p>
<h3 id="toc1_7">7. Reducing energy usage.</h3>
<p>Energy usage can come from various things, such as driving a car, watching TV, and taking a long shower. To be able to start saving, make sure to reduce energy usage as best as you can. For instance, instead of driving your car to work, you can use the bus or tram. If you're used to taking a long shower, try to take a short shower instead. Besides being more environmentally friendly, doing these small things can be the best way to save money.<p>
<h3 id="toc1_8">8. Living minimally.</h3>
<p>Living minimally can be the greatest way to start saving money for your goal. It can start by selling things that don't bring you happiness. Selling things you don't need can also be the best way to declutter your home. Moreover, there is nothing wrong with having a lot of free space in your home.<p>
<b>When it comes to saving money, what is a good rule of thumb?</b>
<p>We understand that starting the effort to save money can be a difficult task for some people. Especially since you'll always find a way to spend your savings on something urgent, such as medical bills, home repair, etc. However, there are a lot of ways to save money each month. One of them is the 50/30/20 rule.</p>
<p>So, what is the 50/30/20 rule? The 50/30/20 rule is essentially a budgeting rule that you can adopt in your effort to save money. The rule suggests you separate your monthly income into three parts, 50% for essential needs like bills and rent, 30% for wants and self-reward, and 20% for saving and investment.</p>
<p>The rule originated from a 2004 book titled "All Your Worth: The Ultimate Lifetime Money Play" by US senator Elizabeth Warren and her daughter Amelia Warren Tyagi. The book was written based on 20 year-long research on the best ways to save money. The goal of the rule itself is to encourage people to save more efficiently.</p>
<h2 id="toc2">How to Start Saving Money</h2>
<p>Saving money can start by doing something simple, such as using less electricity, planning weekly meals, and using public transportation. When you've done all of those activities, be sure to not use the saved money for unnecessary spending. Instead, put in a secured bank account designated for your life-saving.</p>
<p>That way, you can achieve your goal of saving money each month. In addition, you can also apply the 50/30/20 rule to separate your monthly income into several parts. It is worth noting that those rules aren't fixed, you can dedicate more income to saving. So, be sure to apply those tips for saving money to escape the paycheck-to-paycheck life.</p><div class="blogger-post-footer">The best place to find weekly ads, budgeting and saving tips, visit <a href="https://www.crazytexassavings.com/">Crazy Texas Savings</a>. <a href="https://www.crazytexassavings.com/sitemap.xml">Sitemap</a>.</div>Unknownnoreply@blogger.com