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Tuesday, June 30, 2009
101 Ways to Save Money - Part 3
Lets see more saving tips today :
51. The main share of family budget goes to Telephone Expenses. Nowadays there is no home without mobile connection. Before taking more than one connection, think whether it is necessary or not. It will avoid misuse and there by expenses.
52. While comparing to previous years, today's telephone rates are low. Mobile companies also offers various plans. So selecting a suitable plans for your choice is best to decrease telephone charges.
53. Before speaking in telephone, note the points to speak and there by u can avoid wastage of time and money.
54. Use telephone and mobile for emergency, if possible go and convey the message directly to the receiver whether he is nearer.
55. Use the facility of Add-on for 10 paise for the dearest and essential numbers. Remember this facility is not available in roaming also.
56. Don't trace and call missed calls. If the caller wants to call you, they will definitely call next time also.
57. If there is no one at home for some months, there are good plans for land line connections. Avail that facilities to save money.
58. Remember the charge of SMS for reality shows and competitions are very higher.
59. Some mobile companies offers free ring tones for certain periods. Remember this and inform to stop up to that period. Otherwise it will cause money loss.
60. In land line, after your conversation is over, confirm both side receivers are kept properly. Otherwise the call will continues and gets huge bill also.
61. Confirm your vehicle in a good condition, if find a problem repair it immediately.
62. Before travelling in vehicle, prepare a list of items to purchase and there by you can purchase item together to avoid repetition of travelling and fuel loss.
63. Before travelling a place in your own vehicle, think the vehicle need or not. If the place is near, prefer walking.
64. Share the vehicle and expenses if many goes to the same area, to avoid fuel and money loss.
65. All of us like to travel in their own vehicle. However don't think shame of travelling in Train and bus.
66. Before travelling to town, think of the parking area also. It can avoid hurry of running for parking.
67. If your family has many travels monthly, use gas instead of diesel. The gas kit should be fit by the authorised authorities and definitely you can save minimum Rs.800.00 per month.
68. You can save petrol by good driving habits. Normally 45 Kms is suitable for driving. If you drive in 80 kms speed, 30% of fuel loss should have happened.
69. Service your vehicle correctly and use oil at the correct level.
70. Change gear suitable to the vehicle. Always doing sudden breaks will cause more fuel consumption and depreciation.
71. If tyre pressure is low, it will consume more fuel. If the Tyre pressure is low by 20%, millage will also decrease 10%. Check the Tyre pressure weekly, this facility is available in almost all pumps.
72. It is advisable to off vehicle in traffic signal, if the stay time is more than 60 seconds.
73. Try the easy routes to go to save fuel. When parking try to set the vehicle in reverse to take the vehicle easily.
74. It is advisable to fill full tank fuel at each and every filling.
75. Try to learn little knowledge about the simple repairs. Also buy authorised brand spares only. Otherwise it will empty your pocket and damage your vehicle.
Lets see more tips tomorrow........
Thanks and bye...
Monday, June 29, 2009
Friday, June 26, 2009
101 Ways to Save Money Part 2
We can see the other tips today.26. Nowadays getting loan is not a difficult mater. But, before taking a loan you should compare the interest rates of various institutions and analyse your repayment capacity.
27. Purchasing things whether it is necessary or not is today's fashion. Before buying prepare the list of items of necessity and give preference to those items.
28. Decide different menu weekly to avoid boring in food items. Include seasonal vegetables and fruits in menu to avoid money loss.
29. Note the payable date of purchases using credit cards. Otherwise it will happens to cause fine and interest.
30. Give idea to children, the income and expenses of a month and include them to prepare family budget.
31. Tution fees of children is an avoidable expense, if the parents are ready to spend daily 2 hours with the children in their school subjects.
32. For lunch, give children homely food to school and colleges to avoid canteen expenses.
33. It is better to cultivate walking habit in children neither by school bus or van if the school is around 2 kms. If time gets parents can also drop them.
34. Always taking bakery and hotel food is harmful. You can try it in your home using favourite recipes.
35. Advise children not to spoil wall and break glass of windows before playing in a room and the expenses needed for repair also.
36. It is advisable to purchase second hand books or otherwise photocopy of those books to the children. Don't treat shame to bring books from Seniors.
37. Try to encourage saving habits to children for that purpose give them money box / pig bank. If they does appreciate them.
38. Don't fix the bulbs too high in the rooms. It will decrease lights and there by using high watt bulbs will increase your current consumption.
39. Change your bulbs to CFL based and use electronic chock and step regulators to fan.
40. Take care of the wires using for lighting, whether it is certified by standard certification body or not. Change time bared wires, otherwise will promote leakage in Electricity and increase charges.
41. Avoid using house hold equipments like Mixer grinder, motor, Iron etc., in the evening time.
42. Avoid opening refrigerators several times in a day. Take necessary items whenever open.
43. If your home is in village area you can cleverly use stoves for boiling water, without water heater.
44. Try to iron clothes together for a week. If available use automatic Iron to save current.
45. Modern era, air conditioners is a simple devices like sofa sets. Using air conditioners in several rooms, it is advisable to sleep children in the same room can decrease electricity charges a little. Don't open the doors during the working time of A/c.
46. Don't put same watt bulbs in all rooms. It is better to use low watt bulbs according to rooms priority.
47. Using water motors several times a day increase electricity charges. By fixing tank in a big size can store water more for several days and there by reduce the motor / electricity consumption.
48. Use dryers of washing machine during rainy season alone. It is better to dry the cloth in the mild sunlight for better life of the cloth.
49. Whenever you face simple problem in your electronic devices, repair it immediately to avoid huge loss.
50. If you share or given your house for rent, fix separate electric meter to avoid huge electric charges and problems.
OK friends read all the tips and send comments if you have. I will meet you tomorrow with balance tips....
Thursday, June 25, 2009
101 ways to save money - Part 1
Money is the ruling force in the world. With out saving a pie, nobody can withstand. If you go through this worthily tips, you can definitely save money from your family budget.
- First of all don't bother others, what will they think about you. Remember, nobody can get positive opinion from all.
- Plan a family budget. It may be weekly or monthly. It helps to know the permanent and avoidable incomes and expenses. If a week's expense increase, you can compensate it with next week.
- Plan budget for kitchen expenses specially and menu also.
- Give first preference to pay debts, it will will decrease your interest rates.
- Prepare the needful food for the family and avoid wastage.
- During travelling, take food and water from home. It will take care of your health also.
- Take decision about the amount of money to save and try to live for that goal.
- It is better to buy non veg once in a week, as per the health and budget aspect.
- Try to gain knowledge about the price of each and every product you purchase. Don't give it to the shopper's choice.
- Don't imitate others, think of your own pocket.
- Take healthy food and exercise, beware of diseases.
- If symptoms of diseases seen, contact the Doctor immediately to avoid paying more money in hospital.
- Try to cultivate essential vegetables in your home. If space is not available, you can use the terrace and try to train the children also.
- Some subscriptions/fees pay together saves money and gets discounts.
- To avoid late fee / fine, the bill payable date to be noted in the dairy for Electric, Water, Telephone etc.,
- Purchase essential items of good quality for long life.
- Bargain the prices for every item, before purchasing electronic items compare the prices of different shops.
- Some clothes need dry cleaning. Avoid buying these type of garments too much.
- Carefully buy branded goods from factory outlets for low price.
- Purchase only essential items, if whatever offer gives.
- Buy goods from same stores, helps you to get good quality goods and little discount.
- Don't select peak hours and rush time for shopping.
- Buy new accessories to the old ones, it helps you to uptodate in the changing fashion without huge loss.
- Train children to keep their toys without spoil. Give them prizes for doing. If not applicable give them less cost toys.
- Note the essentials uptodate in the kitchen dairy whether finished.
OK we will meet tomorrow with more tips.
Good Night.
Little Steps
I am grateful if my blog generates enthusiasm for some one and informations to the needy. Here, this blog draws some pictures of knowledge, nostalgia and experience. The subject under this blog is anything under the sky which is interesting to all. Inviting your advice to improve.
Monday, June 22, 2009
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