Simple Ways To Save Money So You Can Enjoy The Little Luxuries In Life

Saving money and not spending so much play a lot on our minds. It can cause unnecessary stress that builds up and can be damaging to your health and wellness. Nobody wants to forgo all of life’s luxuries, else what’s the point of working? But being frugal in certain ways can be both rewarding and fun. Think of it is a new skill to learn! Here are some of our top suggestions on how to save a bit of money by the end of each month. And if there enough left over in the pot at the end of the year, why not treat your family to a holiday abroad?

Extreme Couponing

There’s an old clip of KUWTK’s that shows Kourtney Kardashian getting a little bit addicted to couponing. It actually has a name: extreme couponing. Kourtney got so addicted she started making organisational folders and obsessing over collecting coupons. The point is, you don’t have to be on the breadline to want to save money. Why turn down a coupon or money off a product, if it’s being offered? If anything, it shows you’re not frivolous with your money. Ok, she might keep her coupons in a Hermes bag, but who are we to judge! Look out for coupons in your local paper and magazines. There are plenty of coupons you can download from the Internet. These include cinema savings, grocery discounts and 2-4-1 restaurant meals. If you love a company and want to take a survey, filling out an online a can give you rewards such as big money to spend in the store. Extreme couponing has been labelled a full-time job. But you could just join the league of casual couponers out there and reap some great benefits too.

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Image source: Flickr

Credit Cards and Savings Accounts
Do some research on the credit cards and savings accounts you have. Many banks offer reward schemes and cashback. You can often get money back when you spend in department stores or big grocery stores. It may not seem like much to start with, but it does add up. If you love fashion and are a fan of ASOS, they have recently introduced a great reward scheme that gives you money back in vouchers, every time you spend. Also look into transferring your credit cards to another that offers 0pc interest. The BankAmericard credit card also offers 2pc back at grocery stores and 3pc back on gas. For minimal effort, you can make some significant savings over the year.

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Credit: Flickr

Supermarket Savings

Many grocery stores offer reward cards that you can take advantage of. They pay for your loyalty, so make it work for you. When going grocery shopping be strict and make a list. Avoid the sweets and magazines at the till. The former are full of sugar and the latter you can now read online. Go for own-brand goods when it’s viable. You may have a favorite make of beans, but own-brand rice, OJ, cleaning products and spaghetti are just as good. Downshifting even just one level can save you plenty of dollars over the year. Try it for a few weeks, tot up your bills and see what you can achieve. Be aware of BOGOF offers. They are fantastic for things like toothpaste and toilet roll. But if it’s on something that is perishable, do you really need two that week?
Learning how to save money here and there can lead to a more stress-free financial life. It can help you get out of debt, start saving for a new car or go on your dream holiday.

Too Many Things To Do

I took the opportunity to post an update here while I am waiting for the boyfriend to come online. As of this typing I kinda envy those who are in our town plaza waiting for the Pasaka Festival to start. I feek sad as I am going to miss watching the festival this year. With so many things that I need to do at home I don’t think I have enough time to go out.

Anyway, I shall be happy although I will miss it this time. Our small town is recovering fast after super typhoon Yolanda (Haiyan) made havoc in our town and near towns. Our festival is certainly one of the proof that we are getting back in our feet.


The Rules Of Becoming An Effective Complainer

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Pic Source from Flickr
Making a complaint about a product or service is something that many of us don’t consider doing. This is often out of fear of being rude or being unsure how to start the process. With the help of the internet, contacting a company to file a complaint has never been easier. If done clearly and effectively, you could get an apology, a refund and a number of other perks. Not only will it make you feel more satisfied, but your complaint could also help the company improve. While complaining is easier than ever, there are right and wrong ways to do it. To help you gain a successful outcome from your service or product complaint, take a look at the following rules.

Be clear about what you want

The complainers who get the best results are always the ones who know what they want. It’s easy to contact a company and let them know you are upset. But if you don’t ask or let them know what you want, it can be impossible for them to help you. So before you call or write, consider what you would like the outcome to be. Depending on the situation, a simple apology or refund might suffice. If not, think about what would be suitable but remember to be realistic. Once you know what outcome you would like, be assertive and clearly communicate this to the company. This will make it far easier to deal with your complaint and reach a solution quickly. To help you be more assertive, see
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Pic Source from Flickr

Use social media

If you have not received an immediate response to your complaint, you should turn to social media for help. Writing a message on their Facebook or Twitter page with negative feedback will urge them to respond quickly. Just make sure that the message is directed to them and includes their name within a hashtag too. This should ensure that your message is seen as quickly as possible. Don’t write your tweet or message on impulse and take the time to think about what you want to say. For more tips on using social media for complaints visit

Don’t be rude

When you’re unhappy with the way in which you’ve been treated, it can be easy to take it out on the complaints department. But talking to them in a rude and impatient matter will not help your cause. They will be less inclined to help you and won’t be as sympathetic towards your negative experience with their company. However, if you talk in a calm and polite manner, this may make them more willing to assist you. So no matter how angry you might be feeling, compose yourself before and during your call. This will make it easier for you to understand and reduce the risk of any lines being crossed.

Understandably these rules should only apply if you have a genuine reason to complain. It should not be done in a bid to outsmart a brand or store to get freebies or a way of making money. As tempting as it might be, you’ll almost certainly get caught out.