Surfing and the ‘surf lifestyle’ definitely isn’t cheap! With inflation rising and the brands bringing out more and more super cool goodies to entice you, one can feel the squeeze on the wallet more often than not. Working in a shop that offers surf equipment and lifestyle clothing, I’ve learned a number of techniques that […]
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Earning More Money… How much more money would you have to earn to get out of debt? 1%, 5%, 10%? Almost everyone who is in debt says the same thing… no matter how much they make it is the same… if I only earned 10% more money I could get out of debt. But the fact is that
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Credit Cards Hundreds of credit cards are available to you as a means to borrow money. Each credit card has varying qualification criteria, interest rates, and yearly fees. The average interest rate for a credit card is 16.97%, which is pretty hefty. Additionally, some credit cards charge a yearly fee of $19 to $150. Cash-back
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We all go through periods of time where we realize we need to start watching our expenses. I know firsthand how difficult it can be when you realize your account balance is lower than it should be. My family lives on a tight budget, and although we are immensely happy and healthy, the issue of
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More and more consumers today are looking for ways to lower their energy costs. Most know to have windows and doors checked to ensure that there are no air leaks in their homes and many take the initiative to have new energy-efficient heating and cooling units installed. Many also replace their light bulbs with fluorescent
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Grocery Budget – No Wiggle Room? Many people have the mistaken belief that your grocery bill is something that has little to no wiggle room. After all, your family has to eat, and skimping on food isn’t really an option. However if you’re spending a good percentage of your income on grocery bills each week and
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You might not know when you start-up your small business about the range of options that are available to you for your utilities, especially for electricity and gas. Sometimes, it can be quite difficult to decide, and normally, people just go with the company that they’ve always been with, or they pick whatever might be first
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By Contrarian Investing Sow a thought and reap an act, Sow an act and reap a habit; Sow a habit and reap a character, Sow a character and reap a destiny!  As children grow, they are constantly observing people and things around them. This observation power increases over time and they try to emulate the people nearest
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Reducing Electricity Usage = Reducing Electric Bills Next to your mortgage, homeowners insurance, and taxes… the next major home expenses are electric bills. There was a time when electricity was used to run one light bulb and a radio but not much more. Modern homes use electricity for light, heat, refrigeration, cooking, washing dishes and clothes,
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Most of us enjoy eating out. The pleasure of eating a meal prepared by the skilled hands of others and served to us while we relax is one of the last things we want to give up, even when money is tight. But it is possible to get great deals on restaurant meals even on a
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‘Money, money, money, must be funny, in the rich man’s world; Money, money, money, always sunny, in the rich man’s world; ‘Aha-ahaaa’…All the things I could do …if I had a little money!’ Whenever I think about money, this good old Abba song comes to my mind. The present global economic scenario makes us mindful on
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If your family is anything like mine, then you spend way too much money on food. You try to budget things, but somehow you end up at the store several times a week, needing to pick up just one last thing. These trips add up and eventually, you get to the end of the month
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