Guides

The 46 Best Ways to Save Money

Check out the below list of the 46 best ways to save money.

Best tips on saving money

1. Open a saving account and actually save money in it. Start small just $20 a month but slowly up that to $100 a month to make a nice rainy day fund.

2. Don’t waste money on things you don’t need. Always wait a day before making a big purchase and sleep on it. If you come across an expensive item that you want, write up a report about why you want it, how it will impact your life, etc. Act like you are asking your boss to buy an expensive piece of equipment or something. Then file the report away to be reviewed in a weeks time. After the week is up, re-read the report with the mindset that someone else is asking to borrow money for that reason. If it passes this review, then begin to allocate funds from future paychecks toward it, which could take weeks. By the time all is said and done, if you do buy it, you definitely won’t regret it.

3. Don’t invest in penny stocks or cheap cryptocurrency. They are cheap for a reason and can lose value at any time for no reason.

4. Look at a compound interest tables. Think of it as giving your future self money at a huge discount.

5. Cook your own meals, don’t eat out.

6. Couponing. Clipping coupons works and the savings add up. Just $5 saved a week is $260 a year in extra money.

7. Recycle beer bottles and other cans. If you recycle 20 cans a week that is $1 a week in extra none or $52 a year extra.

8. This is a little risky but try buying limited edition products (games, consoles) and sell when they are sold out. Some fans are hell set on products and will pay a lot for them. Just watch out for the next beanie babies.

9. Print double-sided. Easy way to make your paper last twice as long.

10. Use recycled paper for scrap. When you are done with a sheet save it to write notes on — no need to do anything else.

11. Use old newspapers/ads for food waste (bones, inedible foods).

12. Use three toilet paper tiles and fold it in half to get thickness of six tiles. It feels just like Charmin.

13. When toothpaste/lotion tube is nearly done, cut it open to get everything out,

14. Go to random public events for free pens, post-it notes, and candy.

15. Always check payphones, vending machines (and surrounding area) for left over coins.

16. Use shopping bags as garbage bags.

17. Seal windows with tape or something to prevent heat loss in the winter time.

18. Freeze bread immediately and toast when you need it to prevent mold and early spoilage,

19. Charge your cell phone, tablet, handheld device at work/school,

20. Use credit card with cash-back option and don’t use debit for purchasing. Most cash back programs give you 1% at least back a year plus you are building your credit score.

21. Disassemble old hard drives and take out the magnets for whatever.

22. Exercise without getting gym memberships. Running is great here and you can do it for most of the year.

23. Cancel cable and watch your shows online for free.

24. Cut phone service and get VoIP, find independent service providers and not the mainstream providers.

25. Use your old toothbrushes to scrubbing stuff.

26. Water down juices to get a little more to drink (90% juice, 10% water). Same taste and you save yourself 10% a year.

27. Do your own taxes. Turbotax or similar online programs are only $30 a year and take minimal time to do.

28. Take office supplies from work/school.

29. Ask for bandages/gauze at the doctors.

30. Replace all incandescent light bulbs with CFLs.

31. Flush your toilet only once a day. As they say “If it’s yellow let it mellow, if it’s brown flush it down.”

32. Register all your products, games, electronics, etc. They usually send you promotions for sales, or extended warranty.

33. Sign up for demos and free trails, they might give you a gift on the side, and you can send back the product without the gift. For any of these use a fake email address so they don’t spam your main account.

34. Register for memberships that ask for your birthday, they usually give you free stuff on your birthday, like bagels, coffee, popcorn, etc. Some restaurants let you eat free if you eat with a group of people, just need to show ID. Again always use a fake email address.

35. If you have a kid and need something to do bring them to McDonald’s and ask for the treat of the week. It’s usually cookies or a ruler. If you can, get yourself napkins and salt/pepper/vinegar/ketchup/mayonnaise packages while there.

36. Use the free Wifi at Starbucks and other restaurants if you don’t have internet at home.

37. Buy the generic “no name brand” alternative where possible, including medicine.

38. Keep all receipts for tax purposes, or for surveys that can win you prizes or a discount the next time you visit. Both Dunkin Doughnuts and McDonalds have surveys on most of their receipts which give you free food as a return.

39. If you have “dead” batteries, you can probably use them to power a clock for at least a week. Throw “dead” batteries in the freezer for a few hours, they might work for another hour or so.

40. Save power by setting computer to Power Saving mode instead of Balanced/High Performance, set screen to power off after 5 minutes or whatever, set hard drive to sleep after 5 minutes or whatever, turn down monitor brightness as much as you can. This probably won’t help much but depending on your setup could save you a couple of dollars a month and prolong your monitors life.

41. Borrow books from libraries or view them on Google Books (or download them somewhere), read books at your local bookstore and leave without buying it, and of course don’t buy bookmarks, use something like a receipt or something.

42. Shop at early morning or late at night to save time waiting in line or avoid crowds.

43. Hand wash your clothes and air-dry them. This will save you money and lower your electricity bill.

44. Never borrow money to buy something. If you want something save up to buy it first.

45. Never buy junk food. It is bad for health, has no nutritional value, and is often over priced especially if brand name.

46. Save as much as you can. And you can always save more. Go ahead right now and up your 401k contribution by another percentage point. You won’t even notice the difference in your paycheck but you will see the growth in your retirement account.

Brilliant Shower Thoughts

Sometimes you get the craziest thoughts when you are in the shower here are some of the best shower thoughts below.

In two years, it will be Super Bowl L
In two years, it will be Super Bowl L
The Swiss must've been pretty confident in their chances of victory if they included a corkscrew on their army knife.
The Swiss must’ve been pretty confident in their chances of victory if they included a corkscrew on their army knife.
1980 is as far away as 2046
1980 is as far away as 2046
Gyms should offer a membership package where you pay for every day that you don't go.
Gyms should offer a membership package where you pay for every day that you don’t go.
Clapping is just hitting yourself because you like something.
Clapping is just hitting yourself because you like something.
Milk is just immature cheese.
Milk is just immature cheese.

Add your own shower thoughts below!

How to Spend Less Than $5,000 On a Wedding

When planning a wedding and finally tying the knot, it is important to not let budgets and imaginations run wild. Every bride and groom wants to make sure that day is perfect and is one to always remember, but no one wants to end up with wedding debt. Now with more and more parents not footing the bill, it’s on the young 20-something couple to take it on. And with the average price of a wedding in 2012 eclipsing $25,000, we thought it was time to take a step back and look at how you can plan an amazing wedding day without spending more than $5,000.

cheap wedding tips

When trying to save money on a wedding there are some key costs to consider: the venue, the guests, the invitations, the outfit, the food, and the cake.

The Venue

cheap wedding venue

The most important rule of real estate is always LOCATION, LOCATION, LOCATION! The same can be said of weddings. Everyone has dreams of being married in that white pristine chapel on a perfect sunny day. Or of being married in a giant marble estate. But with costs of renting venues starting already in the $10,000 range, why not opt instead to be married on a beach, or a botanical garden, or even under the stars in a field? It is easy to find great places near you that are beautiful and can even make your wedding more unique than any other. By simply getting a park permit or even just asking permission, you drop the cost of your venue from the $10,000′s+ to $1,000 or less.

The Guests

wedding guests

A really easy way to keep costs low is to limit the total number of guests you invite. With most venues charging a “per plate” catering fee, the smaller the party size the less you pay. This is a case where size does matter. An easy way to limit guests is to start small with the bare minimum of who you need to invite (i.e. immediate family and just three close friends for the bride and groom). From there the total number of guests can spiral out of control as people bring friends and family into the mix. A good rule of thumb is if they didn’t wish you a happy birthday or a merry Christmas for the past two years then they aren’t close enough to wish you happy anniversary either. Big lesson here is to start small. You can always add more guests but you can’t uninvite them no matter how much you hate your new mother-in-law. By cutting the total party size down from 100 guests to a more manageable 50 or from 200 guests to 100 you easily and quickly cut your wedding costs in half.

The Invitations

cheap wedding invitations

One of the most unexpected expenses is the wedding invitations themselves. Ranging in price from $5 to even $10 an invite the more guests you have, the quicker the costs rise. Consider sending out and making the invitations yourself! This allows you to save money and gives you and your beau some time to reconsider everyone you are inviting to your wedding. If you can’t spend two minutes writing them a personal card then why would you want to spend two hours with them on your special day? By doing the invitations yourself you can drop the cost of them from $1,000 for 50 or a 100 invitations to just $100!

The Outfit

cheap wedding gown

A gown by Monique Lhuillier or Vera Wang is what every girl dreams of, but who want’s to spend $5,000 + on a dress you are only ever going to wear once? It will cost you more than month of rent! Why not look for a slightly more nontraditional dress in the $1,000 price range that lets you be unique and still look fabulous on your wedding day. For the grooms it is still ideal to just rent your tux since this allows you to customize it and get the perfect fit so you look great in the wedding photos you show your grand kids one day. Easily drop your wedding clothing cost from $10,000 to under $2,000.

The Food

cheap wedding catering

The food and drink at a wedding can really make or break the whole event. By opting out of fancy run of the mill caterers who charge high price per plate rates (up to $100+ a plate!) you can instead order food from your favorite restaurant and make a really special and memorable meal of all your favorite dishes. Perhaps you and your special one had a great first date at Sophie’s Cuban, or love Calexico! Why not hire them to come cater your big deal? You will save a bundle and have people go home feeling full and enjoying a unique and special meal. Of course the other big expense is alcohol. Consider a place that is BYOB and lets you bring in the drinks of your choice. This way you can avoid the markup they will charge you at the venue and the best part is you get to keep the leftovers! Save a bundle by hiring out your favorite restaurant to cater the big day and by bringing in your favorite drinks for your guests to enjoy!

The Cake

cheap wedding cake

Aside from the rings and ceremony itself one of the most important parts of a wedding is the cake, and as such it is also quite expensive. Wedding cakes can range from $500 to $1,000, and for something that you normally just get a bite of, that doesn’t sound like a great deal unless it’s a cake made of gold! A really easy solution is to buy the smallest size wedding cake to make sure you have one there and have some of it to save for your one year anniversary. For the rest of the guests go to your favorite baker and buy your favorite normal cake for them. This way your guests get something yummy, you still get your special cake on your special day, and you also save a bundle. By doing this you can easily save hundreds of dollars from your wedding day costs.

I hope that these tips help you in planning out your special day. Remember, just because you’re saving money doesn’t mean it is cheap or not right. You can create a unique and amazing wedding all while saving a bundle! Let us know if you found these tips helpful or have some suggestions of your own in the comments section below!

 

103 Best Sources for Legal Free Books

This is a great list of the 103 best sources for free books online. You don’t need Amazon anymore when you have sites that can give you great books by Mark Twain, Joseph Conrad and other famous authors for free.

1. http://www.classicbookshelf.com This site has put classic novels online, from Charles Dickens to Charlotte Bronte.

2. http://www.onlinebooks.library.upenn.edu search.html The University of Pennsylvania hosts this book search and database.

3. www.gutenberg.org This famous site has over 27,000 free books online.

4. http://www.pagebypagebooks.com Find books by Sir Arthur Conan Doyle and H.G. Wells, as well as speeches from George W. Bush on this site.

5. http://www.classicbook.info Genres here include historical fiction, history, science fiction, mystery, romance and children’s literature, but they’re all classics.

6. http://www.classicreader.com Here you can read Shakespeare, young adult fiction and more.

7. http://www.readprint.com From George Orwell to Alexandre Dumas to George Eliot to Charles Darwin, this online library is stocked with the best classics.

8. http://www. www.planetebook.com Download free classic literature titles here, from Dostoevsky to D.H. Lawrence to Joseph Conrad.

9. http://www.meta.montclair.edu spectator Montclair State University’s project features full-text, online versions of The Spectator and The Tatler.

10. http://www.bibliomania.com This site has more than 2,000 classic texts, plus study guides and reference books.

11. http://www.literature.org Find full and unabridged texts of classic literature, including the Bronte sisters, Mark Twain and more.

12. http://www.bartleby.com fiction Bartleby has much more than just the classics, but its collection of anthologies and other important novels made it famous.

13. http://www.fiction.us Fiction.us has a huge selection of novels, including works by Lewis Carroll, Willa Cather, Sherwood Anderson, Flaubert, George Eliot, F. Scott Fitzgerald and others.

14. http://www.classic-literature.co.uk Find British authors like Shakespeare and Sir Arthur Conan Doyle, plus other authors like Jules Verne, Mark Twain, and more. Textbooks If you don’t absolutely need to pay for your textbooks, save yourself a few hundred dollars by reviewing these sites.

15. http://www.textbookrevolution.org index.php Main_Page Find biology, business, engineering, mathematics and world history textbooks here.

16. http://www.en.wikibooks.org wiki Main_Page From cookbooks to the computing department, find instructional and educational materials here.

17. http://www.knowthis.com topic-areas media-and-publications free-online-textbooks.htm Get directed to stats textbooks and more.

18. http://www.welovelmc.com books.htm Find books about plastic surgery, anatomy and more here.

19. http://www.spot.colorado.edu ~dubin bookmarks b 1240.html Access biochemistry, chemistry, aeronautics, medical manuals and other textbooks here.

20. http://www. ocw.mit.edu OcwWeb web resources supplemental index.htm Find free videos, textbooks and more on the subjects of mechanical engineering, mathematics, chemistry and more.

21. http://www.flatworldknowledge.com minisite This innovative site has created an open college textbooks platform that will launch in January 2009.

22. http://www.businessbookmall.com Free Business Books.htm Find free books to go along with accounting, economics and other business classes.

23. http://www.lightandmatter.com Here you can access open source physics textbooks.

24. http://www.emedicine.medscape.com This project from WebMD is continuously updated and has articles and references on surgery, pediatrics and more. Math and Science Turn to this list to find books about math, science, engineering and technology.

25. http://www.fullbooks.com This site has “thousands of full-text free books,” including a large amount of scientific essays and books.

26. http://www.homepages.nyu.edu ~jmg336 html mathematics.html NYU links to several free resources for math students.

27. http://www.math.gatech.edu ~cain textbooks onlinebooks.html Here you can find online textbooks likeElementary Linear Algebra and Complex Variables.

28. http://www.techbooksforfree.com science.shtml These books range in topics from nanotechnology to compressible flow.

29. http://www.freescience.info Find over 1800 math, engineering and science books here.

30. http://www.freetechbooks.com e Tech Books Computer programmers and computer science enthusiasts can find helpful books here. Children’s Books Even children’s books are now available online. Find illustrated books, chapter books and more.

31. http://www.bygosh.com Find free illustrated children’s books and stories here.

32. http://www.munseys.com site home Munseys has nearly 2,000 children’s titles, plus books about religion, biographies and more.

33. http://www.en.childrenslibrary.org Find award-winning books and search by categories like age group, make believe books, true books or picture books.

34. http://www.lookybook.com Access children’s picture books here. Philosophy and Religion For books about philosophy and religion, check out these websites.

35. http://www.bored.com ebooks Bored.com has music ebooks, cooking ebooks, and over 150 philosophy titles and over 1,000 religion titles.

36. http://www.ideology.us Here you’ll find works by Rene Descartes, Sigmund Freud, Karl Marx, David Hume and others.

37. http://www.dlshq.org download download.htm Recent uploads to this site include Practical Lessons in Yoga and Philosophy of Dreams.

38. http://www.ne.jp asahi moriyuki abukuma weber society socio_relig socio_relig_frame.html Read this book by Max Weber, here.

39. http://www.e-library..netReligion.htm Read books about the Bible, Christian books, and more. Plays From Shakespeare to George Bernard Shaw to more contemporary playwrights, visit these sites.

40. http://www.readbookonline..net Here you can read plays by Chekhov, Thomas Hardy, Ben Jonson, Shakespeare, Edgar Allan Poe and others.

41. http://www.fiction.us plays.htm Read Pygmalion, Uncle Vanya or The Playboy of the Western World here.

42. http://www.shakespeare.mit.edu MIT has made available all of Shakespeare’s comedies, tragedies, and histories.

43. http://www.vl-theatre.com list4.shtml This site catalogs “all the plays [they] know about that are available in full text versions online for free.”

44. http://www.singlelane.com proplay This site has children’s plays, comedies, dramas and musicals. Modern Fiction, Fantasy and Romance These websites boast collections of graphic novels, romance novels, fantasy books and more.

45. http://www.publicbookshelf.com Find romance novels, mysteries and more.

46. http://www.ibdof.com This forum features fantasy and graphic novels, anime, J.K. Rowling and more.

47. http://www.free-online-novels.com Here you can find Christian novels, fantasy and graphic novels, adventure books, horror books and more.

48. http://www.foxglove.co.uk free_online_novels.html This British site has free novels, satire and short stories.

49. http://www.baen.com library Find books by Scott Gier, Keith Laumer and others.

50. http://www.roadtoromance.ca freestories.htm This website has books by Patricia Cornwell and other romance novelists.

51. http://www.getfreeebooks.com This site’s largest collection includes fiction books.

52. http://www.johntcullen.com Read short stories from John T. Cullen here.

53. http://www.hourwolf.com sfbooks Books here include Arabian Nights,Aesop’s Fables and more.

54. http://www.starry.com novel free-online-novels freenoveldirectory.htm This list contains mostly fantasy books. Foreign Language For books in a foreign language like French, Spanish and even Romanian, look here.

55. http://www.cf.hum.uva.nl Find Dutch literature here.

56. http://www.un2sg4.unige.ch Search by author’s name, French books, or books written by other authors but translated into French.

57. http://www.liberliber.it:/ Download Italian books here. Browse by author, title, or subject.

58. http://www.biblior..netvolume.html Find Romanian books on this site.

59. http://www.cervantesvirtual.com Look up authors to find a catalog of their available works on this Spanish site.

60. http://www.sarantakos.com keimena.html This page is entirely in Greek, but if you’re looking for modern Greek literature, this is the place to access books online.

61. http://www.cervantes.tamu.edu V2 index.html Texas A&M’s Proyecto Cervantes has cataloged Cervantes’ work online.

62. http://www.forumromanum.org literature index.html Access many Latin texts here.

63. http://www.runeberg.org Find Scandinavian literature online here.

64. http://www.lib.uchicago.edu efts IWW This site provides information about Italian women authors and features full-text titles too.

65. http://www.bv2.gva.es default.php Register to use this database of Catalan and Valencian books.

66. http://www.ketabfarsi.com Access literature and publications in Farsi from this site.

67. http://www.afghanistandl.nyu.edu Powered by NYU, the Afghanistan Digital Library has works published between 1870 and 1930.

68. http://www.ucc.ie celt CELT stands for “the Corpus of Electronic Texts” features important historical literature and documents.

69. http://www.gutenberg.spiegel.de index.php This easy-to-use database of German language texts lets you search by genres and author. History and Culture Refresh your memory of world history, the classics and U.S. history here.

70. http://www.librivox.org newcatalog LibriVox has a good selection of historical fiction. 71. http://www.perseus.tufts.edu hopper Tufts’ Perseus Digital Library features titles from Ancient Rome and Greece, published in English and original languages.

72. http://www.accessgenealogy.com library Find literature about Native American history, the Scotch-Irish immigration in the 19th and 20th centuries, and more.

73. http://www.onlinebooks4free.com menu history_usgeneral.html This collection features U.S. history books, including works by Paul Jennings, Sarah Morgan Dawson, Josiah Quincy and others.

74. http://www.books-on-line.com bol TopTen.cfm?DCode=9 Free titles include Seven Days and Seven Nights by Alexander Szegedy and Autobiography of a Female Slave by Martha G. Browne. Rare Books Look for rare books online here.

75. http://www.questia.com publicdomainindex Questia has 5,000 books available for free, including rare books and classics.

76. … Arts and Entertainment This list features books about celebrities, movies, fashion and more.

77. http://www.books-on-line.com bol default.cfm This large collection includes movie scripts, newer works, cookbooks and more.

78. http://www.chestofbooks.com This site has a wide range of free books, including gardening and cooking books, home improvement books, craft and hobby books, art books and more.

79. http://www.free-ebooks..net Find titles related to beauty and fashion, games, health, drama and more.

80. http://www.2020ok.com Categories here include art, graphic design, performing arts, ethnic and national, careers, business and a lot more.

81. http://www.art.quickfound.net Find artist books and art books in PDF format here.

82. http://www.onlinecomputerbooks.com OnlineComputerBooks.com directs you to free web design books.

83. http://www.onlinebooks4free.com Find sheet music, lyrics and books about music here.

84. http://www.clothing.quickfound.net Costume and fashion books are linked to the Google Books page. Mystery Here you can find mystery books from Sherlock Holmes to more contemporary authors.

85. http://www.mysterynet.com Read free short mystery stories on this site.

86. http://www.topmystery.com Read books by Edgar Allan Poe, Sir Arthur Conan Doyle, GK Chesterton and other mystery writers here.

87. http://www.books-on-line.com Read books by Sue Grafton and others. Poetry These poetry sites have works by Emily Dickinson, Edgar Allan Poe and others.

88. http://www.online-literature.com This site features forums, a copy of The King James Bible, and over 3,000 short stories and poems.

89. http://www.fiction.us This list includes “The Raven,” “O Captain! My Captain!” and “The Ballad of Bonnie and Clyde.”

90. http://www.poemhunter.com Find free poems, lyrics and quotations on this site.

91. http://www.poetry-online.org Read limericks, love poetry, and poems by Robert Browning, Emily Dickinson, John Donne, Lord Byron and others.

92. http://www.books.google.com books?q=+subject%22+Poetry+%22&as_brr=3&rview=1&source=gbs_hplp_fict Google Books has a large selection of poetry, fromThe Canterbury Tales to Beowulf to Walt Whitman.

93. http://www.quotesandpoem.com poems poets Read poems by Maya Angelou, William Blake, Sylvia Plath and more.

94. http://www.completeclassics.com Rudyard Kipling, Allen Ginsberg and Alfred Lord Tennyson are all featured here.

95. http://www.pinkpoem.com On this site, you can download free poetry ebooks. Miscellaneous For even more free book sites, check out this list.

96. http://www.onlinebooks.library.upenn.edu Here you can follow links of banned books to their full text online.

97. http://www.worldebooklibrary.com This monstrous collection includes classics, encyclopedias, children’s books and a lot more.

98. http://www.dailylit.com DailyLit has everything from Moby Dick to the more recent phenomenon, Skinny Bitch.

99. http://www.digital.library.upenn.edu The University of Pennsylvania’s page for women writers includes Newbery winners.

100. http://www.starry.com These novels are fully online and range from romance to religious fiction to historical fiction.

101. http://www.manybooks.net Download mysteries and other books for your iPhone or eBook reader here.

102. http: www.authorama.com Books here are pulled from Google Books and more. You’ll find history books, novels and more.

103. http://www.onlinebooks.library.upenn.edu Use this directory to connect to full-text copies of Newbery winners, Nobel Prize winners and Pulitzer winners.