HOW TO GET A JOB

These blogs have been specially designed to help thousand of people find a job every day. You will find blogs on how to write a CV and cover letter, how to do a perfect interview, how to create a email thank you note and a lot more. This is a free site so please feel free to surf around and see what it has to offer. Feel free to leave a comment and add to your facebook or twitter account. Lets help as many people back into work as possible.

Top Blogs to Checkout

There are many blogs here to help you find a job. Here the most read ones.


How to get a job

what you need to get a job in a few months

How to get a job



How to write a CV

How to write proffessional CV that get you interviews

How to write a cv



How to write a Cover letter

How to write a proffessional cover letter

Professional Cover letter help



How to create a email thank you note

Learn the secreat of securing a job.

Email thank you notes sample

Saturday, 30 April 2011

How To Save Money

How can you save money



If you want to save money then you need and live a richer life then this blog is for you. Here are 9 ways to save money at home.


How to save money - 1. Spend less - Review your last weeks spending and look at way to reduce you spending. You may have spent it on cloths or petrol. Did you really need buy that jacket or shoe. Could you not have waited till your next month pay check. Reviewing your spending will give you a clear idea on what things you spend the most money on. Those are the areas that you may need to make a cut in.


How to save money 2. Establish a personal Budget - in order to get a clear picture of where your hard earned money is being spent. Make a list of your monthly expenditure. It may look something like this

Monthly Income = £1300
Wages = £1300

Monthly Expenditure = £1289
Mortgage = £350
Bills = £200
Groceries = £200
phone bill = £10
eating out = £40
petrol = £100
car insurance = £150
loan repayments = £59
work food expense (£5 a Day) = £100
toiletries = £20
Cloth = £60
Money remaining = £11

Once you have written down all your expense, it will be clear to work out where you can make the savings. There are certain fixed expenditures you will not be able to do anything about, like the mortgage and loan repayment. But the all the other items can be reduced. Preparing food from home and taking it to work can save you £100 a month. Giving up your car and catching a lift with a friend or even using public transport can save you £350. Once you have highlighted the areas you can make a cut in then rewrite your new monthly expenditure. It should look something like this;

Monthly Income = £1300
Wages = £1300

Monthly Expenditure = £1069
Mortgage = £350
Bills = £200
Groceries = £240
phone bill = £10
eating out = £40
Bus Pass = £90
loan repayments = £59
toiletries = £20
Cloth = £60

Money remaining = £231

The money that is remain can be used to repay the loan back and remove your from the debts completely.

How to save money 3. Reduce your debts - now that you have seen how to save money. It will be a lot easier to pay off your debts. Try to clear off your debt has quickly as possible. It seem easy just to pay the monthly arrangement amount. But out of the monthly arrangement amount, two third of is interest and one third is repayment. So if you took out a loan for £1000 and you making a monthly payment of £59. Only £19.67 would be the repayment and £39 would just be the interest. Borrow the money off a friend or start paying a large sum. The quicker you pay it off, the less you will have to pay.

How to save money 4. Bulk Buying - Buying in Bulk is one the simplest way to save money. You will have to spend more to save money. I remember once walking into Asda and they had my favourite tooth paste on offer. In my household of seven, we use up tooth paste quite quickly. Normally i would purchase my Colgate tooth paste for about £2 and now it was on offer for about £1. This is a saving of a whole £1. If I just brought one then a month later we would run out and i would need to purchase another. Instead I brought six to keep me going for about six months. This helped me save £6 in the next six months. Combine with a few other things i was luck to save about £30 on shopping. This £30 could be used in the future to help me save money on something else.

How to save money 5. Buy used items - Not everything you buy needs to be brand new. A used item is just as good as a new one. a few years ago, I was looking to purchase a print to use at home. The printer i wanted to purchase was Hp Laser 2300dn. Online the price for the printer was about £450 and the cartridge was £59. I really didn’t want to spend that much money on a printer. I found the same printer on eBay. The difference was that the printer wasn't brand new and has been used. But the ebayer had informed me that the item was refurbished. I brought the printer for about £75 including delivery. It came with about 25% ink. The printer is still working today and i still haven’t brought a replacement cartridge. I saved £434.


 
How to save money 6 . Save money - Put a little bit of money away at the end of every month. This may seem hard but if you have used the techniques to reduce money, then you should have some money left over. Put away left over or even ten percent of your money into another account. If you put away £50 every month which isn't really that much. At the end of the year you would have £600. That £600 could be used to either pay your debts, buy yourself something nice or pay for a holiday aboard.

 
How to save money 7. Eat in rather than eating out - On average we spend about £20 on take away food a week. That’s £80 in a month. Why not reduce that amount by buying pizza and curries from your local supermarket. Supermarket pizza only cost a few pounds, they are easy to cook and take only a 5 - 10 minutes to make.

 How to save money 8. Use less - Use less of everything. If you normally watch TV or use your laptop for 5 to 6 hours a day. By using it an hour less everyday will mean you save 7 hours at the end of the week and that’s 30 hours at the end of the month. Think of the impact this will have on your electric bill.
 

I hope this blog on how 2 save money has been useful. Have a look at my other blogs on how to save water and money.

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