Ways I save money daily to have no bills!

My husband and I have always saved almost as much as we make, we knew one day we would want to retire and not worry about bills. So I found ways online to not only save money but be able to afford the extras that I want. First I started reviewing Amazon Products.

I receive free items to review so I can re-gift or keep if I like them! Second I use My Points to earn points and redeem them for gift cards!  Third, I love Fetch Rewards, you can scan in your receipts and earn points in return to cash them in for gift cards. It adds up quick!  Lastly I love Ibotta, I am not going to lie it took me a while to figure out how to do it, but after I did I realized I get free stuff! You click on the store you are going to shop then scan any item you are going to purchase. If there is a coupon or cash back after check out you scan the receipt and they will Paypal you the money instantly. Free food is always awesome!

Other ways I save is I have every kind of fruit tree you can think of. I always ask for a fruit tree for my birthday or Christmas to add to my collection!  We also have free ranging chickens so we eat free organic eggs daily! Lastly we love to go fishing, living close to the gulf we are able to have fresh fish all the time!  We love crabbing too. These are just a few ways I like to save money.


I would love to hear how you save money!

Here’s How To Take The Financial Pressure Off Your Shoulders

Money worries tops the list of the things that keep people up at night. If you are concerned about money, then you might be struggling to get a good night of sleep. Ultimately, this is going to have a negative impact on the state of your health and your wellbeing. That’s why it’s important to explore the best ways of dealing with the financial pressure that you could be under right now. Here are some of the options that we recommend you explore. 

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Set A Budget

First, you should make sure that you are setting yourself a budget. By setting a budget, you will be able to guarantee that you know exactly how much you have to spend on typical purchases. This means that you won’t have to panic about whether you can afford an item. You can do this by factoring in all your incomes as well as your outgoings. The amount that you have left over is how much money is available in your budget. If you don’t have as much as you would like then the next step would be to think about areas where you can save money. We’ve got some ideas. 


Saving Up


It’s time to be a little more frugal with your spending and there are some simple steps that you can take here. For instance, you should think about price checking different purchases that you might be considering. This could include anything from the weekly food shop to a new TV. It’s important to make sure that you are not spending more money than you need to in any area of your life. 


Add A New Income 

Experts agree that everyone today should have at least one other income. This means that it doesn’t matter how much you are earning. You should have another income that you can fall back on. You can use this purely to save money, to pay off additional costs or to afford those little luxuries that you love  but don’t quite fit your budget. 


So, what should your new income be? Well, it depends on the level of ambition that you have. This can be a basic side hustle such as answering surveys online. This can give you a little extra cash in hand. 


Or, if you want to be more ambitious, then you could think about starting your own company. This can be based around something that you enjoy. For instance, you could love baking. If that’s the case, then you might want to explore professional bakery courses that are going to provide you with all the skills you need here. Remember, there’s more to learn here than just how to bake a cake and that’s true for any business idea. You have to complete the right starting steps to see success. 


We hope this helps you understand some of the key steps that you should take to guarantee that you no longer feel as though you are under significant levels of financial strain. If you explore the right options here, then life will seem far less stressful overall.

The Ins and Outs of Online Food Shopping

It’s no secret that online shopping is a booming industry. With the convenience of being able to order your groceries, clothes, and even furniture from the comfort of your home, it’s not hard to see why people are opting for this e-commerce option more than ever before. But what about food? There are various types of food products out there – how do you know which ones can be ordered online?

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When it comes to ordering sweets and snacks online, you’ll often have your pick of the litter. Of course, some places allow for a wider variety than others, but generally speaking, there’s likely something that will tickle your fancy – especially if you’re willing to be flexible with what kinds of products you want! 


If this is particularly difficult for you, though, 

Here Are Some Guidelines:


Fresh Produce


Any kind of food you’ll find in a supermarket can be ordered online – from fresh produce like avocados and oranges to canned items like beans or tuna fish. 


Plus, many supermarkets have a delivery service, which means that all your groceries will arrive at once! And if they don’t already do it on their website, then give them a call or drop them an email because this is becoming more common with every passing day.


Ice Cream


Ice cream is one of the most common items that people order online, and if you want chocolate or vanilla delivered right to your doorstep, then various companies would love to help out!


Some ice cream companies do not deliver, so make sure to check beforehand! You may also need to pay shipping costs depending on how much ice cream is in each carton – keep this in mind as well!


Sweets and Snacks


Moving on to the slightly trickier territory: brands that sell sweets and snacks directly on their websites. Some might only offer specialty products, while others may even have an entirely separate e-commerce site dedicated to exclusively selling these goods, such as CBD gummies for sale or Jelly Belly, which sells a huge range of candy and gourmet jelly beans online. 


The good news is that it’s becoming more accessible than ever to order food online, particularly as businesses realize the power of reaching out to their customers in this way!


Many sweet companies deliver their products, and if they don’t have an app or service available yet, there is still a chance that they’ll be able to help out via email or phone call instead. Just keep in mind that some online stores may require payment upfront while others won’t ship until they receive payment.


All In One


Various grocery stores also offer online shopping for food and candy combined, so if you’re looking to stay in tonight and treat yourself, then it’s possible! – The majority of stores will only allow you to order single units instead of full cases at once. 


Make sure that you consider the amount of money spent on shipping before placing your order since this can add up over time! Also, many stores have a minimum purchase requirement, so make sure not to get carried away.

Things To Cover When Talking About Your Future

The future is unpredictable and so when it comes to being prepared, it’s useful to do everything you can, especially as you get older and have more responsibilities. Although it won’t be everyone’s choice to get married or have children, it’s what many people will do and there are certain things that need covering before it happens. Here are some topics to cover when talking about your future.

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Money Management

This is one that’s worth talking about from a young age because managing your money effectively is going to cause a lot less financial and emotional stress that many go through. The way you manage your money will influence how comfortably you live, whether or not you’re on a high salary or a below-average one. 


It’s important that everyone lives by their means and not beyond it, despite seeing others who may have more money than you. There will always be someone better off but that’s not a reason for you to go spending your money so haphazardly. With that being said, think about how you can manage your money better. Try to be more aware of how much you’re spending and how much you can set aside for a rainy day. Having savings is important as you progress through life.



Retirement is certainly something you want to talk about with others but also to yourself. It’s up to you when you wish to retire and it’s also dependent on how much you can afford to live off. Some jobs are better paid and provide better pension options, so that’s also something you’ll need to factor in when it comes to the ideal age of retirement. A lot of people may rely on the statutory pension that they receive and how that might impact their decision on when to retire.


Your Personal Wishes

Your personal wishes are something that may be more difficult to talk about but are equally important to discuss. Questions like what type of funeral you’d like to have, what happens if you need to be put into care, etc. It’s good to be aware of places like Serenity Hospice Care who can put these plans in motion should it be needed at some point later down the line.


It’s better to make these personal wishes, even if you tell loved ones in person, rather than making it official. However, it’s good to do this also by having a will.


Making A Will

And that finally leads onto the last topic to cover – your will. This isn’t something many like to think about because it’s in relation to your death and health. What happens to your estate if you die? What happens to your children if both you and your partner were to pass and they were still under the age of 18? All these wishes should be laid out on a legal document so that they can be executed correctly, rather than being handled by the state or governing body responsible for it.


Use these tips to ensure your future is covered.

4 Important Lessons To Learn In Freelancing

When people think about the future of the business world, they often look to concepts like automation or potentially even machine learning. It’s true these are going to have a part of play in the business world of tomorrow. However, there’s another concept that is rapidly becoming key and that is the gig economy. If you don’t know what this is the gig economy is basically the collective term for freelancing. Rather than working on a permanent or long term contract for a business, you will instead work on your own terms. 


This does provide a lot of benefits. For instance, it’s a more flexible situation and it theoretically means that you can switch jobs whenever you want. You could also take on multiple positions as a way to boost your income. Some people will be able to work from home as freelancers while others will find it more beneficial to work in an environment like a hot desk. It largely depends on whether you can remain productive in a completely private environment. 


There are benefits for the employer too. They will be able to ensure that you are able to keep costs low and we’re going to explore why this is. Some reports suggest that the gig economy could cover 50% of the total workforce by 2025 in America. To be prepared for this change and the role that you might have, there are some lessons to learn here. So, let’s explore a few key considerations. 

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Employer Responsibility 


This isn’t quite the same as when you are working on a full-term contract. For instance, one of the key changes to keep in mind is based on your physical or emotional wellbeing. Let’s say that you are working for a business on a contract and you develop RSI. RSI is probably one of the most common injuries experienced by office workers today. It comes from working long hours without breaks, often in the wrong environment. 


You might be wondering whether you could take action against the business that hired you and the answer is it depends. If you are operating from home then you won’t have a leg to stand on here. They won’t have any real responsibility for your physical well being because you will have chosen your own environment. You can say that the contract required long hours without breaks. However, as a freelancer, you choose the contracts that you take on so this doesn’t really hold water. 


On the other hand, you might be working from their office. If that’s the case, then you might have a stronger case. A law firm like Alvine Weidenaar, LLP that specializes in personal injuries could be in the right position to help you out here. 

So basically, it depends on your unique set up how much responsibility your employer is going to hold. Usually, though one of the benefits of hiring freelancers is that business owners can avoid this particular headache for better or worse. 




To succeed as a freelancer you need to know how to network effectively. Essentially, you will be your own personal agent operating for yourself to ensure that you are going to have the right strategy in place.


LinkedIn can be a great place to start here. While you won’t need all the social networks when networking, LinkedIn provides the clearest avenue to connect with individuals in the business world. It also ensures that you can rub shoulders with the right people. Be aware that there are also platforms specifically for freelancers to use. 


One of the issues to consider here is that they are highly competitive. You will often need to fight to rise above those who are seeking out the same clients and projects as you. You can also get into price wars where you will be up against those willing to work for a lot less than you can perhaps afford. This is certainly one of the rougher elements of freelancing that you will be forced to face. 


Slow Down 

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You might think that being a freelancer isn’t going to provide you with that much stability. In a way, this isn’t the case. You may actually find you have more stability if you know how to approach this model the right way. However, there are certainly going to be challenges that you will face. 


For instance, you do need to consider the issue for the slow down. Just like with any business there are periods throughout the year where the demand for particular freelancers will rise and fall. For instance, writers are more in demand through the festive season when there are more marketing opportunities. Through January to March, the businesses tend to hold off spending as much money in this area. You need to be prepared for this and the budget to compensate for the change. 


In other words, you can’t afford to leave yourself in a position where you are struggling because you weren’t prepared for a downturn. 



While employers are able to shift responsibilities as a freelancer you will have more to take on. One of the biggest responsibilities you will have is always going to be handling your own tax. Tax is something that stumps a lot of people and with freelancers, it’s a little more complicated. You’ll basically be operating as a little business. You will need to make sure that you are paying for your tax the right way. 


It’s important that you don’t make any mistakes here. Otherwise, you will be penalized and you’ll be forced to pay up. Complete your calculations carefully and consider using an accounting solution. You probably don’t want to shell out for a professional accountant and you don’t really need to. Instead, you will be able to make sure that you simply use a cloud service to keep track of your earnings in real-time. 


We hope this helps you navigate some of the challenges of being a freelancer that you may encounter when you are operating in this business model. It’s best to be prepared for the biggest changes here. 

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Reasons To Save For Retirement

Let’s face it none of us know exactly what the future holds, and we can guess all we like, but the best course of action is always to consider the worst, and hope for the best. If we prepare ourselves for some financially turbulent times, when we retire, then we are more likely to get through to the other side without much hardship. It’s easier said than done, with all of the bills and unexpected military problems that come up along the way, but consistently paying into a pension or Saving scheme is a fantastic idea. Continue reading →

How to Avoid Financial Stresses and Strains

There’s much to love about the modern world, but there’s no getting around the fact that it can be stressful — and very often, the stress is down to a single cause: money. It’s not something that you can avoid, it touches everything, we’re never as secure as we’d like, and so on. It’s not hard to see why it’s the cause of so much trouble, arguments, stress. You don’t have to get caught up in its murky web, however. You have to play the money game a little, but you don’t need to be consumed by it. And you don’t have to let it stress you out. Below, we take a look at some tried and tested methods for keeping those money related troubles at bay.

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A Clear Picture


They say that the secret to conquering your fears is to face them head-on. If the fear is always lurking around the corner, then it doesn’t matter how legitimate or scary that fear is: your mind will turn it into a monster. The same can be said of your financial situation. You need to have a clear picture of what’s happening. It might not make for pretty reading, but at least you’ll have some control of the situation. The story will be written by your response. If you keep the issue hidden away and obscured, then you’re just burying your head in the sand. Remember, sometimes things have to get worse before they better — taking a peek at your finances might feel like you’re jumping off the cliff, but you’ll soon discover the jump isn’t that high anyway.


Create a Budget


Plenty of people have a pretty casual attitude toward their money. They’re not really sure how much they’re spending or how much is coming in. It’s all guesswork. Alas, this approach often results in those agonizing moments of panic. You think you should have ‘X’ amount of cash in your account, but it turns out that you just have ‘Y’ amount. And let’s be real here: Y is always less than X. By creating a budget, you’ll be keeping these panic-inducing moments at bay. You’ll know exactly how much money you’re able to spend and stay financially secure. It’ll also push you to reconsider any senseless money you’re spending. And the good news is that this is something that you can start immediately, and you’ll feel the benefits within a week or two.


Handling Debts


Creating a budget is something that starts giving back to you almost immediately. Debts are another matter. If there’s one money-related matter that keeps people up at night, it’s the size of their debt, and their inability to pay it down. It’s important to remember that it doesn’t matter how much debt you carry: it’s always possible to find a path out. It just requires two things: determination and patience. One good move is to move your debt around, in order to benefit from better interest rates — some people are paying their high credit card bill for years, only to realize that they’ve essentially only been paying the interest, not the actual debt.


Identifying Financial Pits


We get stressed by things that we think are beyond our control, and when too much is going on. Money can fall into both these camps. It seems like we have more money going out than we realized, and it’s going into a million and one different directions. When we settle into life, we slowly acquire more and more monthly payments, yet rarely take the time to spring clean and delete them from time to time. Say, for example, you have a gym membership, cable subscription, a deluxe cell phone plan, and so on. These may all seem manageable individually, but when you group them all together, you’ll find that you’re paying more than a pretty penny! So take a look at your monthly expenses, and see what can be trimmed. You surely don’t need all of them. Simplicity is the antidote to stress, don’t forget!


Controlling Impulse Saving


If you’re one of those people who regularly stress and says “I need more money,” then before looking at the job board, you might want to see where you’re actually spending your cash. Humans aren’t perfect, and they can convince themselves of most anything if it’s what they want to do. You might find that you’re spending a lot of money on coffee, clothes, lunch, and other expensive options. Left to your own devices, you’ll be unlikely to curb these expenses. If you become aware of your trigger and have a higher purpose in mind (saving money), then you’ll be able to cut the spending down.


Get Saving


And talking of saving: start doing it. Studies have shown that some 60% of Americans would not have $1000 for use in an emergency situation. While savings for something fun, such as traveling, is a luxury, not having any cash for an emergency situation is something that causes stress. This leads to sleepless nights of wondering what they’d do if something were to happen the following day. While not everyone can save $1000 within a month, it’s worthwhile trying to put something away. You’ll be able to rest more easily knowing that you’d be at least OK if you were hit by an unexpected expense.


An Eye on the Future


Worrying about money when you’re employed — or at least of an employable age — is one thing. It’s a different matter altogether when you’ve left the workforce for good, and are solely relying on your savings to see you through retirement. This usually causes a lot of stress in people when they’re approaching their retirement and realize that they’ve underestimated how much money is needed. To keep the stress of retirement finances at bay, it’s best to come up with a financial game plan with the help of a wealth management company. They’ll help you to develop a strategy that ensures you have a strong financial standing and security during your retirement years.


Job Security and Growth


So long as you’re employable, then you don’t have too much to worry about: you’ll always be able to make money. Knowing you have options to earn is one of the easiest ways to stop yourself from worrying about money. But of course, job security isn’t what it was in decades past, and in any case, the world is changing. To make sure that you can have a long, fruitful, and profitable future, you’ll want to keep a close eye on the growth of your industry. Some are better suited to navigate the future than others. For example, nursing (and indeed anything healthcare related) is expected to thrive in the coming decades. Other jobs, less so — some 40% of positions could be taken by robots in the coming decade and beyond.

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Keeping Up with the Joneses


If you’re in control, then you won’t feel stressed. You’ll be calm and collected about the situation. Alas, many people’s spending habits are driven by things that seem to be beyond their control (but actually are). They buy expensive goods because they want to fit in, or impress others. This can quickly add up to a messy financial situation — and the problem is that once someone starts down this path, they rarely get off. And stress just builds on top of the stress. As such, it’s a good idea to think about what’s driving your purchasing decisions. Are you buying something because it’s a logical decision, or for the appearance? If it’s the latter, then focus on yourself, and liberate yourself from that line of thinking.


Talk it Out


We’ve broken down a lot of taboos over the past few decades, and now there are few topics that are off the table with friends and family members. But strangely, money is still one of those things that we don’t mention. But we should — because talking through problems makes us feel better about them. Keep an open dialogue about your cash situation with people you trust — one of the reasons why money causes so much stress is because we see it as a secret. If we have large amounts of debt, then it’s our little secret shame — if word got out, we’d be ruined. Of course, that’s not true — it’s just your mind talking nonsense. In any case, you can prevent these thoughts from building by talking about it. There’ll be no secret to keep.


Practice Gratitude

If you find that your money situation is always on your mind, then try one of the many recommended tips for handling other kinds of stresses, too. Gratitude for what you have, rather than focusing on the bad sides, is a good way to take you out of the bubble for a while. Similarly, meditation, yoga, and other wellness activities can also be effective ways to place a barrier between you and the stress you’re feeling. Money can sometimes feel like it’s the whole world, but look around, and you’ll see that it’s not the case.

This entry was posted in Budget.

10 Easy-To-Overlook Costs You Must Include In Your Monthly Budget



Now that the new year has officially begun, many of us are hoping to get a hold of our finances and give them a good tidy-up. The best way to do this is to list each income and expense and come up with a monthly budget that works for you and your family. However, if you start to notice that, even with this clear budget to follow, you continue to run out of cash before your next payday, then, chances are, you’re overlooking an important cost or two. With that in mind, here are ten of the most commonly overlooked expenses you must remember to include in your budget.


  1. Charitable Donations

Donating to charity is an admirable act and worthy expense, whether you do so regularly or sporadically. However, unless you plan for this extra cost, you may find yourself needing help at some point down the line. For this reason, you should ensure you put aside a set sum of money each month for a potential donation. This allows you to give regularly if you would like to, or seize a spur-of-the-moment opportunity to help out a close friend, family member, or cause.


  1. Birthday Gifts

Christmas only comes once a year, making it one of the easier gift-giving occasions to plan for. You just need to figure out how much you’re willing to spend, and put aside money throughout the year, buying gifts as and when you can. Other events, like birthdays, weddings, and graduations, however, aren’t as simple. After all, you will face a number of these, so they tend to sneak up on you. Because of this, it helps to build a gift-giving fund that you can dip into.


  1. Vehicle Maintenance

Owning a car or another vehicle comes with several costs that are far too easily forgotten. We all know that we need to fuel and insure our cars, but many of us forget to consider other expenses, like registration fees and maintenance. If you fail to stick to a proper maintenance schedule for your vehicle, you’ll likely end up paying much more than is necessary to run it. With that in mind, be sure you budget for costly maintenance tasks and regular professional services.


  1. Car Insurance

When you pay your car insurance in monthly installments, it’s hard to forget that this is an expense you need to pay. However, if your policy is set up to be paid every six months or year, you can forget about it, which leaves you with a huge bill, that you simply can’t afford. Paying your insurance in larger installments generally works out cheaper, but, if this is something you do, then you must ensure that you set aside money each month to be able to pay it later.


  1. Medical Costs

With a comprehensive health insurance package, no one would blame you for thinking that you don’t need to worry about medical costs. However, even the best policies in the world don’t cover you for everything. From checkups to medications and health aids, there are a lot of medical expenses you may need to pay out of your pocket at some point. Because of this, you should go over the terms of your policy and estimate how often you may need to pay yourself.


  1. Pet Care

While you consider your medical costs, don’t forget about the furry, scaly, or slimy members of your household. Just like you, your pets will require annual checkups and health care, but, unfortunately, there won’t immediately be paid by your pet insurance. More often than not, you have to pay for your pet’s medical costs yourself and then claim the money back later. If you don’t have this cash to spare, your pet won’t be treated, so ensure you budget for the cost.


  1. Babysitter Services

Being a parent is never cheap, but many of us forget just how expensive it can be until the costs jump out to scare us. We live in an increasingly busy world, so there are likely going to be instances where you’re not available to watch your children yourself. This could be because of work commitments, a hobby, or a date night with your partner. Whatever the cause, don’t forget that you’ll need to pay the babysitter or childcare provider you hire to watch your kids.


  1. Birth Control

Having kids is far from cheap, but, unfortunately, neither are the options used to avoid having a baby. Whatever method of birth control you and your partner tend to use, be sure you plan for this cost. If you’re looking for a more permanent and cheaper option, then you may want to consider a vasectomy instead of your usual method. If you do plan to do this, then do your research and find a trusted clinic or doctor that suits you and your budget.


  1. New Clothing

Most of us do not need to buy new clothes every single month, even when we have children, and, as such, don’t bother planning for it in the monthly budget. However, this is a cost that you can’t avoid, so, if you don’t prepare for it early, you may find yourself unprepared when the seasons change, a seam rips, or your children grow. To make this simple and fair for everyone, consider giving every member of your family a clothing allowance to use throughout each year.


  1. Household Upkeep

Whether you have someone power-wash your driveway or clean your carpets once a year, you must include it in your budget. You can do this by dividing the cost between the twelve months of the year or by adding an extra expense to the month when you have such services done. When making big changes to your home, you should be even more careful with the cost, and ensure that you have backup funds available if and when things don’t quite go to plan.


Overlooking important expenses is one surefire way to ruin your budget, so be sure that you remember those listed above every month.

The Five Biggest Financial Decisions We All Need To Make



In life, there are always a bunch of different things that we have to deal with. Some are fun. Some are stressful. Most are necessary. One of which is money. Now, some of us love money. Spending it, counting it, making it, saving it. But it doesn’t always come that naturally to everyone. And money is a hard part of adult life. Dealing with it isn’t always easy. There is a lot of touch decision we’re all faced with. And you need to think about them and make them, very wisely. Especially when it comes to these five areas.




To begin with, you need to get your spending in check. Because how you CHOOSE to spend your money each and every month matters. You may think that you don’t have a choice at all. But you do. You sign up for those bills. You make those purchases. And you decide on how to live your life. So choose wisely. Because your spending habits dictate the kind of lifestyle that you get to lead.




And then there’s the idea of savings. This is something that not everybody likes. Because saving money can be hard. When you need money for your everyday life, you won’t always see the importance of putting money away for another day. But again, this is all about choice. If you want to make sure that you can go on that vacation or that you can renovate your house, saving is a conscious decision that you need to make.




One of the biggest purchases that we will all make is our homes. If you are buying a house, have bought a house, or are thinking about it, you will know that this is a huge cost. But it’s also a big decision too. It’s natural that you buy a house. Because your parents did. And that’s what you do. But really think about whether you want to. Whether it suits your lifestyle, or whether perhaps your money is best spent elsewhere.




Next up, we have retirement. And this can be something that is super important for you to think about WAY before you’re ready. If you leave this too late, you may not have sufficient funds for what you want. So, you need to consider your options now. Look into the different offerings, such as TSP Rollover, that is going to be best suited to your lifestyle. Get advice if you need to. Just don’t leave it too late and have to suffer the consequences.




But then also, you’ve got the idea of investing too. Now, this isn’t something that everyone will want to do. But it can be smart. If you have money available, or money in a savings account, consider investing some of it. If you are in it for the long-term, and you’re interested in having money available in ten or twenty years, this can be a lucrative decision for you. But you may want to get sound financial advice before you decide.

This entry was posted in Budget.