The Art of Saving Money by Making Delicious Drinks at Home

If you can afford to buy drinks daily, then you have money. Saving requires money. There are newly developed electronics devices that can assist in making drinks like cocktails at a low cost. All you have to do is commit yourself to make the drinks at home to save money. Here is a recipe for a breakfast drink that you can try.

Kale Smoothie Recipe

Why do you need a homemade nutritious drink such as a Kale Smoothie? Kale is rich in minerals such as iron, vitamin C, and K, calcium, and many more. Check out how you can prepare a Kale Smoothie at home.

Ingredients:

1. Sliced Kale: Make sure to get one cup of raw kale that is fresh. The uncooked kale is healthy and rich in vitamins.

2. Fresh Pineapple: This will help tame the raw flavor of kale, making it edible and tasty. Additionally, pineapples are good antioxidants; alternatively, you can use mango that has the same effect on kale smoothie.

3. A Fresh Banana: The fruit will help tame the kale because it is rich in fiber and healthy nutrients. It will also act as an antioxidant. The additional advantage of banana is that they will smoothen the kale nature to a creamy, thick look and add up the juice’s naturally sweet taste.

4. Honey: You can opt to use honey instead of sugar if you want everything to be natural. It also has antioxidants that can assist in digestion and smoothen your throat.

5. Peanut Butter or Almond Milk: The fat present in peanut butter and milk will boost the smoothing of the kale juice. Alternatively, you can use yogurt. 

The Procedure For Preparing a Kale Smoothie

Now you have your ingredients what next? All blending processes require a fully functioning blender to reach the satisfying state of a juice drink. Follow these steps to get your kale smoothie juice ready.

Step 1: Take all of your ingredients into the powered blender and close the lid.

Step 2: Look for the power button of your blender and press it to blend all your ingredients into a smoothie looking blend.

Step 3: It will only take about three minutes to get your drink. What next? Take a cup or a glass and serve your naturally homemade Kale Smoothie.

Reading the requirements and preparation procedure seems to take all day, but once you get the concept of making drinks at home, it becomes an economical approach. Buying ingredients are cheaper and they will make more Kale Smoothies than buying a single glass at the juice bar. The quantity of the blended juice will depend on the number of people at home, but one thing for sure is that a single blended home mixed juice is worth tens of drinks in a juice bar in your neighborhood. The cocktails you make at home are economical and delicious for your family.

Coffee

A lot of people consume coffee daily. Some opt to buy while others tend to make the famous drink at home. Making coffee at home is simple and can save a lot of money, especially if you have a family. Buying a cup of coffee is a waste of time and resources. Make work easier by purchasing a coffee maker that is cheap and sustainable. 

Energy Saving At Home

Many people depend on the expensive fossil electricity to run their electronics, but do you think there is a way you can cut the cost of power? The use of so-called green energy or sustainable energy is one of the best ways to save or overcome the monthly electricity bills. The approach to achieving the saving criteria of energy-saving is simple. The secret is to make use of solar or wind energy, which is renewable and eco-friendly.

All you need is a team of specialized technicians to carry out the installation process. The solar energy will require only the first investment of installation, and then afterward, you enjoy bill-free power. The high electricity bills will interpret to zero cents when you migrate to sustainable energy.

Now You Have a Few Dollars Spared What Next?

Remember for saving to be applicable; your expenditure must be less than the income. At this point, you have a few dollars secured from both the drinks expenses and the power expenditure. The next step is simple, save the extra coins that will enable you to draft a budget that is accomplishable by the little money you have. Quantity is not the issue in planning; the problem is the spirit of saving and your goal.

Change Eating Habit, Save Money

Spending smarter means you care about your unpredicted future. In our day’s food and drinks are not consumed anyhow, you eat to satisfy your hunger and drink to quench your thirst

Make the best out of the little you have by saving and aiming for something bigger to achieve. The little thing that you do is what makes you an exceptional being in society. Saving does not mean you stop enjoying your life. All it means is to try to be responsible for your spending. Make use of the blenders and coffee makers to cut-off the cost of buying drinks.

Stuck In A Minimum Wage Job? Here’s How To Save Money And Get Out

Being stuck working a minimum wage job is a vicious cycle. To give yourself better prospects, you need to be able to save money for things to help you rise above and move on. Yet, because your wages are so low, you can’t save money and do the things you need to do so.

For instance, you may need a car to commute to where the better paying jobs are, but your car broke down and you can’t afford to fix it. You might need to study to get a certification or a degree to get a good job but can’t afford the tuition or the books.

If this sounds like your situation, then you need to come up with a strategy to be able to save money and do what it takes to upgrade your job so you can get back on your feet. In this article, I will go over several ways that you can make this a possibility.

1 – Make a budget

The first thing you need to do to get your personal finances in order is to figure out where your money is going. You need to track your expenses and then create a budget. This is not easy even for people with better paying jobs, so it is definitely going to be even more difficult if you are stuck in a minimum wage rut.

Download a tracking app and put every single item that you spend money on into it. Make sure to categorize all of your expenses. All your groceries should be under that category with rent under another and utilities another. Then make sure that every coffee is tracked. Every single thing you spend money on should be entered as soon as possible.

At the end of the month, analyse your spending and see the areas that can be cut. Spending too much on groceries? Start buying things in bulk. Is your morning cup of coffee adding up to more than $20 per month? Get a coffee machine and make your own.

There are going to be obvious ways you can cut down on your spending by looking at your tracking and then create a budget that you stick to. Make sure that you set limits and have the discipline to see it through.

2 – Put away every dollar possible in a bank account

Most minimum wage workers don’t have a bank account. This is vitally important to have to be able to put money away. If you don’t have an account then you will never save any money.

Most savings accounts don’t pay much interest but you should still be putting money into them. Then, when you have a decent amount saved up, say over $500 then you can transfer that money into a Certificate of Deposit (CD) that can earn you close to 2% interest like with this credit union.

Even if you are only putting away $20 per month, it is a good habit and is going to make a difference. It’s even better if you use an investment app that helps you put away your spare change into a robo broker account that will help you grow your money.

Before you know it, you’ll have a few thousand dollars that can help you take those courses or fix that car and help you find a better job.

3 – Get on food stamps and buy in bulk

Don’t be too proud to get on food stamps or similar government programs to help you buy food. Those programs are there to help people get out of poverty. If it saves you $100 a month on your grocery bill, then that money can go into savings or an investment app that will help you get out of your minimum wage job much sooner.

And be smart about how you use the food stamps. If you shop right you can really stretch things. If you buy in bulk, you can feed yourself and your family for very little money. For instance, you can buy 20 pound bags of flour for just a few dollars and make bread that saves you up to $30 per month.

If you buy rice, then buy a 20 to 40 pound bag and store it so you are paying pennies per pound and it will go a long way. You can do the same for any dried food like beans and even cereal.

4 – Get educated

There are a lot of free courses online that you can take to help you learn a skill or even a trade that may help you get your next job that can raise you out of the minimum wage trap that you find yourself in.

Some of these courses will also give you a certification. For instance, there are many online courses on programming languages so you can learn how to be a coder for free. Then, take the certification exams and you can go out and look for an entry level programming job that doesn’t require a degree. You may even be able to work remotely so you can save money on commuting and other expenses.

5 – Start a side hustle

You can always go out and get a second minimum wage job and use that income to save, but you’re far better off using your spare time to work on a side hustle that brings in extra money.

It could be selling things on eBay that you find at thrift stores or flea markets. Or, you could do some data entry work online. You could even become a freelance writer and make extra money when you have time to do some extra work. Take this money and save it by pretending that you don’t even have it.

This will speed up your savings and may even open up a door to a higher paying job eventually. Find something that you like to do and chances are that there is a way to make money at it online.

Why You Should Consider Opening a Savings Account

Most people have a checking account and have a debit card too, but so many people still don’t have a savings account set up.

Opening a savings account is not a necessity, but it is an effective way of saving money for a rainy day or preparation for any potential financial hardship.

The subject of opening a savings account can be confusing to some, and even uncomfortable to address. The cost of living is continuously rising, which makes it difficult for most people to imagine dedicating a portion of their budget to a savings account.

However, there is no harm in visiting your bank and asking about a savings account because there are different savings accounts to entertain different circumstances.

What is a savings account?

In short, a savings account is a financial tool provided by a bank that enables you to keep your money safe.

There are various savings accounts to consider, but the standard savings account allows you to grow your money and can even lead to earning interest over time.

It is a useful tool to help you save for short-term goals, such as building an emergency fund for future endeavors.

We have established that most people don’t, for various reasons, have a savings account but there are ways to open an account that entertains your income and lifestyle.

Here we will outline the reasons why you should consider opening a savings account:

Unexpected payouts

No one can predict a sudden hardship that requires expenses to solve it. Whether it be a broken appliance or an expensive automobile repair, it will help if you have a savings account to cover your back.

These circumstances can put a massive dent in your finances, and although you probably have arranged insurance for your goods, you will still encounter those inconvenient obstacles.

Extremities such as vehicle accidents, serious illnesses, or a fire at your residence can make for substantial out-of-pocket costs, which is why a savings account will cover the gaps, and avoid potential debt.

Major Life Events & Goals

You will see in all the guides and hear from family members to start saving for retirement, but what about the other major life events?

Milestones such as college, marriage, buying a house, children, etc. are inevitable, and all of those life goals are costly. Even for those who make travel their main priority, having a substantial amount of cash to fulfill those goals is essential.

Security 

The money you deposit in a monkey market or savings account is protected by FDIC insurance, which means the government will substitute your funds up to a certain amount should your bank experience bankruptcy and close.

If this happens, without a savings account, your capital can be lost, destroyed or stolen, which is why it is wise to deposit your money in an interest-bearing savings account – you can also earn some interest in the process!

Education

Tuition rates at most colleges and private schools are very high and are only rising; therefore, opening a savings fund can help families in the long-term, providing funds for college education and private schools.

A savings fund can make the process of paying for a child’s schooling much easier and less stressful, for both the parent and the child, and will overall lead to a better job and life opportunities.

Retirement

Creating a savings fund can be an essential resource for retirement. It enables individuals to retire earlier and provides them with a comfortable amount that will improve their quality of life after retirement.

Recap

For the reasons illustrated above, creating a savings account can be one of the most rewarding things that a person can do and can set the tone for many aspects to life.

Savings funds cover unexpected hardships, improve the quality of life during pivotal milestones, and will make for a more comfortable retirement.

Whatever your financial circumstances, you should consider finding a savings account compatible with your lifestyle and start contributing to what could be a more comfortable and enjoyable future.

By, Joseph.

Single Mom? Here’s How You Can Start Saving Cash

When you’re a single mom, the idea of saving cash can seem like a fantasy. After all, it’s hard enough finding enough money to pay for all of your bills each month. Finding the extra cash required to put money away for the future seems like something that’s just never going to happen.

However, just because you’re doing the parenting job alone doesn’t mean that you have to commit yourself to a life of living from one wage to the next. There are plenty of ways for single parents to cut the costs of raising their kids, without giving a reduced quality of care. Here are some quick tips that could help you to move in the right direction.

1.    Get your Priorities in Check

As a parent, your number one priority will always be your children. When it comes to making the most out of your money, you’re going to need to think about how each purchase supports your kids in the long-term. For instance, getting health insurance for both you and youngsters is crucial- you can’t afford to cut corners in that area. However, you could potentially reduce your expenses each month by getting rid of your cable subscription.

Remember, getting your priorities in check doesn’t just mean re-thinking how you spend your money on a daily basis. You’ll also need to consider what you’re going to do about big expenses too. For instance, it could be tempting to spend a few hundred dollars on a cheap second-hand car when you need something you can use to pick up groceries, go to work, and take the kids to school. However, if you’re going to have to spend a fortune on repairs, then you’re not really saving.

Sometimes, spending a little extra in the short-term, with a personal loan or a lending opportunity, will actually save you a lot more in the long-term.

2.    Start Looking for Cash

Once you have your priorities in order, you can begin to look for areas where you can build extra cash. This is obviously quite a tough process. You’ll need to go through all of your bills carefully and ask yourself what you can afford to live without, and what expenses you might be able to change. Remember, sometimes you can save money without giving things up.

For instance, if you’re paying too much for your car insurance or broadband, then switching to a different provider can instantly cut your costs, while still giving you access to the service or products that you need. Additionally, when you’re out shopping for food and other essentials, switching from brand-name items to other more generic versions of your favorite products will help you to save cash instantly too. You might not even notice the difference between some products.

If you can’t find any simple ways to track down extra cash, then you can always consider alternative ways of making extra money. For instance, selling your old belongings can give you some more money to put away into your emergency funds.

3.    Take Advantage of Opportunities

Finally, sometimes you need to keep your eyes open for the right opportunities if you want to save more cash. We’re not just talking about sales and discounts on your favorite products either. There are tax credits and other solutions out there for people who are struggling with the challenges of being a newly single parent. Speaking to a professional will give you an idea into the deductions and tax reductions that you might be able to claim.

You can also think about taking an extra shift at work here and there, or putting your skills to the test as a freelance worker in your spare time, so you can make extra money when the kids are at work or your skills as a parent aren’t needed. There are plenty of businesses around the world today that are happy to hire people to complete tasks for them in their own time online. You could build an entire freelance career around your spare time, without having to compromise on caring for your kids.

Remember, building the perfect financial strategy as a single parent can be tough, but it’s not impossible. All you need to do is remember to keep your eyes open for the right opportunities, and ensure that you’re making the most of every cent that you earn. If you dedicate yourself to a strategy of frugal living, then you should start to see the benefits in no time.

The Best Way to Make Insane Savings Online

It’s no secret that the online world is one where immense savings can be made over traditional purchasing and renting methods. What is less known is just how far above the pack many of the more pronounced of these opportunities can reach. The world of online savings is not an even one, with some industries standing head and shoulders above the rest.

Taking this into account, we’ve spent some time researching the different corners of the internet, to track down exactly where the biggest savings can be found and how our readers can take advantage of them.

Travel and Accommodation

Travel is one of the best things a person can do to both relax and expand their mind. It is also a process that can be extremely stressful and financially painful. Luckily for us, the age of the internet has made some enormous changes in opening the doors to travel and accommodation both.

In terms of travel, many of us got used to growing up in the age of travel agencies. Now, don’t get us wrong, in terms of planning out a complex, well-guided, and well-funded holiday these can be great. They can also, however, be a lot more expensive than the alternative.

In our experience, the best way to plan out air travel comes from the simple flight tools from Google. Rather than working from just one or two airlines, the Google tool collects information from dozens of applicable businesses, finding the cheapest possible route over distances long and small. We’re especially fond of the date graph tool, which quickly points out how a difference of just a few days can save hundreds.

Similarly, deciding where to stay is also a traditionally stressful and potentially expensive pursuit. With modern travel brands like Airbnb and Booking.com, much of this stress is now a thing of the past. With inbuilt rating systems and simple booking tools, these can give a much better and cheaper experience than just traditional hotels, and often at a fraction of the price. They can also offer a much more authentic experience if that is what you’re after.

The World of Entertainment

The other side of the enormous savings coin can be found with digital entertainment. A large portion of these benefits have become possible because of the lower cost of data when compared to physically stored entertainment. A lot more work goes into making, printing, and shipping a DVD over transferring a simple digital file, for example.

One of the biggest and most transformative ways we’ve seen this recently comes from online casino platforms, like those reviewed and compared at Bonus Finder CA. By offering digital games rather than physical machines, these casinos massively cut costs, giving players advantages such as free spins, deposit match bonuses, and an enormous range of different variants and titles.

The same bonuses extend to traditional video games, and film and television series. Rather than buying physical goods, deals on the digital can easily save tens of dollars per purchase, and much more in the long term.

As much as we like to stick to what we know, we have to at some point understand that the developing online world can be our best friend for finding savings. Every little bit saved goes to something more important, like punching debt in the face. Don’t underestimate these options; give them a try, and you’ll be winding up a haymaker in no time.

Five Tips To Help You Save For Your Next Purchase

When you are saving for your next big purchase, you might not know where to begin Some people will try to save for their purchase quickly, but others will save for their purchase using several different options that are listed below. You can combine savings tips as much as you like, or you might prefer to use one savings tool that always seems to work for you. Try arch of the five below to determine which is the best for you.

1. Get A Short-Term Loan

A company like LendVia is a good place to get a short-term loan because you need to get your cash immediately. There is nothing wrong with getting your cash instantly, but you should remember that you might not have any choice. If you take out a short-term loan, you can save to pay off the loan in the future. Make sure that the loan payments are accounted for in your budget.

2. Use A Penny-Saving App

A penny-saving app is a good place to go when you want to start saving as soon as possible. You can save a few pennies on every purchase when you download an app that will save money every time you buy something. The app will round your purchase up to the next dollar, and the pennies that you save will be deposited into an account that is associated with the app. These apps help you save money fast, and you can send the money to any bank account you like. Plus, you could cash out this money using a gift card or a similar prize option.

You might save your change if you are paying cash around town. Keep the change from your pocket in a jar in the house that you can count up and convert to cash in the future. You are approaching your penny-saving lifestyle from more than one angle so that you can save money effectively.

3. Make A Monthly Budget Where You Remove Your Savings Every Month

You can save your own money by removing money from your budget, putting it in a savings account, and saving a certain amount every month. By doing this, you are making it very easy to save money. You can see how much money is in your savings account, and you will enjoy having a bit of money left over at the end of the month.

When you are saving a particular amount of money every month, you can figure out how many months it will take to save that money. As you plan to save money, it is very easy for you to make wise choices. Also, remember that you can save for more than one purchase. Add up the money that you need to save, remove that money from your account, and put that money in a savings account with a high yield.

4. Find A Cheaper Item To Buy

Some people might not be able to reach their savings goals because they think that it will be hard for them to save as much money as they need. Because of this, you need to make sure that you have thought about how cheap your purchases could get. You will find a nice item that is much cheaper, and you can reinvest that money in other purchases that you need to make.

You need to do your research before you start saving money. Plus, you should buy your fantasy item when it is on sale. You will have extra money left over, and you can use that money to buy something else. Plus, you could keep that money in your savings account as you begin to save for a completely different purchase.

5. Share The Costs With Friends

There are times when you and your friends or family are saving to buy a mutual item. When you do this, you can work with your friends and family to combine your savings in a single account or app. Talk to your friends, family, or roommates about which app or account you are using. When everyone is saving well, you can make your purchase much faster.

Conclusion

Saving for a big purchase is much easier than you think, but you need to make sure that you have truly thought about this before you start. You can save your own money, download an app, or save your change. You can get a short-term loan if you need it, or you can share the cost of this new item with friends.

Seven business secrets for how to earn extra during black Friday sale

The growth of Black Friday year-on-year in e-commerce sales has been massive and 2019 is set to be an even bigger year than ever. The numbers don’t lie and there is certainly a lot of potential for the promotion of products on Black Friday. Storeowners find it’s one of the best days for selling in the year.

In this post, we take a look at how you can get a slice of the pie as people pull out their credit cards to buy on Black Friday.

Put together product bundles

When people buy on the internet, they are always looking for a bargain, especially on Black Friday, and they are often willing to make bigger purchases than normal. You can increase your value per sale by bundling products together and attracting people when they are on this shopping spree. Product bundling is perhaps the easiest way to increase the amount you earn off each visitor.

Use price hooks

Get people signing up for price alerts and do this at different levels within the market so that you can get people buying brands and product bundles at the price points that they are looking for. This makes for effective marketing and also enables you to build discount landing pages and call-to-actions that are in line with what people are in the market for.

Use social media to build anticipation

In the lead up to Black Friday and Cyber Monday, develop an emotional connection with your customers by publishing imagery that attracts them and by using positive testimonials on your social media platforms.

Make sure your site is ready for sales

Black Friday can really create a spike of traffic on your website meaning you need to make sure that the speed of your servers and the design of your site is capable of coping with this increased demand. Make sure your site is ready for the rush and that your back-ordering system is able to cope with shipping and the rush of customer enquiries that may come.

You should also be sure that your payment systems are all up and running, and properly synced with your current account so that customers do not encounter payment problems during checkout.

Make partnerships with coupon sites

Coupon sites are massively popular these days and they are also highly ranked in search engines for Black Friday deals. If you run a small or medium e-commerce store, getting on these coupon sites can create a real spike in traffic and get your name out there so that you are chosen not only on Black Friday and Cyber Monday but also become the location of choice for loyal shoppers.

Develop a referral programme

Referrals are still the best form of advertising on the net, whether that be direct referrals or people reading reviews. Get more reviews on quality websites and list them on product pages and make it easy for people to recommend your products and website by pointing towards a valuable and filled program.

Think about free delivery

The modern customer is always very conscious about how much delivery costs and offering free delivery can make the difference. Some retailers are offering free delivery as their carrot rather than heavy discounts in an attempt to play on this current trend in the e-commerce market.

Using thresholds for deliveries is also a great way to encourage people to spend more.

Wrapping up

These are just a few strategies that you can including your e-commerce strategy for the biggest retail weekend of the year. Think strategically and make sure that you understand your audience persona in order to make the most of this sales opportunity.