A big part of living inexpensively is about saving money but the other part is about making more money. No matter how much we save, we must find a way to out pace the cost of inflation.

The best way to make more money without waiting to be hired by someone else is to figure out what it is you can do to earn money. This may seem weird, especially if you have what we’ll call a ‘worker bee’ mentality. The ‘worker bee’ subscribes to the notion that “the only way to get income is to work for someone else.”

This is so far from the truth!

In order to use your assets, you must first take inventory of what you do everyday and decide if you would consider offering that service for a fee.

• Do you homechool? Why not offer to teach a subject to a child in addition to your own for a fee.

• Can you sew or crochet? Consider doing alterations or selling items on Etsy.

• Do you blog? Consider placing ads on your blog or becoming a paid contributor for another website.

Taking this step takes confidence. You must believe that what you have to offer is worth money. Do you have a skill to share? Teaching a class is a great way to start. I’ve earned an average of $27 an hour teaching coupon workshops twice a month. I’ve also compiled the information I teach in the workshop into a downloadable Ebook that generates an income as well.

Another idea for generating income is participating in yard sales. My community sponsors a yard sale 3 times a year, and I take full advantage of this opportunity to get rid of unneeded clothing and household items. I also sell items that I have stockpiled, as a result of couponing, especially for this event.

This year I spent 8 hours selling items and earned $240. That’s a net profit of $24 an hour, if you add in 2 additional hours for set up and clean up.

The key to using your assets to make money is to identify your talents. Once you do that the possibilities are endless.

What talents are you using to earn extra income?

]]> http://inexpensively.com/articles/finance/using-your-assets-to-make-ends-meet/feed/ 4 http://inexpensively.com/articles/shopping/how-price-comparison-sites-help-you-save-money/ http://inexpensively.com/articles/shopping/how-price-comparison-sites-help-you-save-money/#comments Wed, 01 Sep 2010 12:26:05 +0000 Guest Post http://inexpensively.com/?p=13137 Related posts:

1. Target’s Price Matching Policy
2. Target Updates Price Matching Policy Again
3. Comparison Shopping

In these days of rising prices, more and more consumers are realizing the benefits of shopping around. Rather than accepting the first price they see, the savvy spender will take some time out to compare the product they want to buy, in the hope of saving some money.

Price comparison sites have seen a surge in popularity because of this consumer behavior, and there are now over 100 such sites from the UK alone, covering everything from balance transfer credit cards to the latest mobile phone or broadband package. The designs and formats vary, but their aim is the same; to find their customer the lowest price on the item or service they look for.

Some comparison sites have recently launched mobile phone applications which enable users to compare prices while on the move. If you have an iPhone, you can use a application with geo-targeting to find coupons, cut-price deals and other offers in the stores surrounding you. Keyword searches mean that if you’re out shopping for a new pair of boots, you can enter that as a search term and the app will bring up a list of retailers currently running discount offers on footwear.

Comparison sites collect their information in a number of different ways. Some use data aggregators to pull up-to-date figures from provider’s or retailer’s websites, and change the information on the results pages dynamically. Others receive the information directly from the provider or retailer, and still others manually search for current prices themselves without needing to contact the seller. This technique works best for smaller sites which cover just a few topics.

Price comparison sites are, in the UK at least, primarily used for comparing car insurance packages. Some consumers will use at least two or three comparison sites before settling on a quote, others will loyally stay with the same site for all their needs. Because most comparison sites cover one or two particular areas, either financial products or shopping, a customer will often use one for finding car insurance, for example, and another when they need a new computer or washing machine.

But how can a price comparison site actually help you save money? The trick is to give it as much information as you can so you can be sure that the results are as accurate as possible. If you’re looking for a new utility supplier, have a few of your recent bills to hand, so you can enter exact consumption rather than estimates. For car insurance comparisons, be honest about what your car’s worth, how often you use it, and any other details you’re asked for. This way, the results you end up with will be tailored as accurately as possible to your needs.

Not all comparisons work in this way. Some, such as credit cards or computers, will often feature a list of products which can be filtered according to what the user selects. For example, if you’re looking for a laptop costing under £500, which comes with a processor speed of 2.6GHz or more, then you can alter the results to show just the laptops which have those criteria. By narrowing down the search results like this, you won’t waste time looking through a list of products which don’t suit your needs.

Here’s a few areas in which you could potentially save money if you use a price comparison site:

• Insurance – car, house, pet and life insurance amongst others
• Credit cards – you can find which cards offer a better interest rate than the one you currently have; useful if you’re looking to transfer an existing balance to a lower rate.
• Utilities – by entering your current supplier details and postcode, the site will be able to see which suppliers in your area have lower unit prices or better tariffs for your usage level.
• Holidays – comparing different packages from various tour operators could save you quite a lot of money, and if you’ve not decided on a destination, they can help you find somewhere cheap, even at last minute.
• Shopping – you can compare just about any item online, and see which are the cheapest retailers for that item. Usually you can then click straight through to the retailer’s website and buy the product quickly, without having to search through the site to find it.
• Other financial products – Mortgages, loans, bank accounts and savings accounts can all be found. Often it’s a case of looking for which product carries the lowest interest rate for your needs, and a comparison site saves you having to look at multiple websites from individual providers.

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Louise Tillotson is a writer for Moneysupermarket, a price comparison site in the UK. She regularly writes for other websites, on topics ranging from personal finance to computer gadgets. In her spare time, she enjoys building websites and days out with husband and daughter.

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Related posts:

1. Target’s Price Matching Policy
2. Target Updates Price Matching Policy Again
3. Comparison Shopping

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We’ll start by calling it a coin bank. That makes our change collecting endeavor sound much more serious and mature {insert more snickering}.

I recommend a sophisticated piggy coin bank to encourage your own penny pinching – something that can sit on your counter as a daily reminder of the process of saving. A 401k, Roth IRA, and automatic savings are all wonderful and necessary to plan for the future, but nothing is quite as fulfilling as the tangible evidence of your savings.

Plus, cash on hand is much more accessible on a rainy day, and who says you can’t have a little spontaneous fun with your loose change every now and again?

Here are a few coin banks that I love:

• Jonathon Adler Midnight Elephant Bank
• His and Hers Banks – perfect for Penny Wars!
• Money Tree Coin Bank – the tree “grows” as your savings increase!
• Computer Key Money Box
• Clear Glass Piggy Bank

Once your coin bank is prominently displayed, it’s time to start saving. Here’s a few tactics I’ve used to kick start my penny pinching:

• If you’re budget is a cash system, you’ll have plenty of extra change to fill your bank. Make a habit of emptying your pockets into your bank at the end of every day.
• Up the ante. At the end of the week, commit to contributing a percentage of your remaining cash or all your $1 and $5 bills to your bank.
• Make saving a friendly competition with a game of Penny Wars or see who can reach a set dollar amount first. Winner gets to pick how the money is spent.
• Have a goal in mind. Do you want to save for your next vacation? A night out for your anniversary? A  new patio set? Whatever it is, saving towards something specific is a motivator.

Putting the piggy bank method into action may sound silly, but I think you’ll be pleased at how gratifying it is when your coin bank is full!

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I couldn’t wait to read it, since I’m a non-fiction fan already. Wait, let me rephrase. I enjoy learning from non-fiction books, but they’re often tedious and, let’s be honest, a little dry & boring. This book was far from boring! While it is a non-fiction, personal finance book, it is set up as a story, with characters whose diverse backgrounds & personalities come together in an effort to achieve the financial peace their parents lack.

You’ll learn valuable lessons on earning, saving, investing and being charitable through the stories & lives of the Counter Culture Club—4 high school kids who learn from their financially savvy teacher, Mrs. Kramer. The book—and her lesson plan—is divided into 4 sections. The book opens with lessons on investing, including compounding interest, showing the students how quickly money can double when invested safely & smart.

It was fascinating and very motivating, but it is followed quickly by a lesson on saving that discourages early investing. Emergency fund of 4-6 months salary first. Period. There are also money saving tips, most of which I already knew, but it was cool to learn that even Warren Buffet uses coupons! The section on enjoying your money fits right in line with Inexpensively’s philosophy—just because you want to save money, doesn’t mean you can’t enjoy your life along the way.

I truly enjoyed reading this book, and I’ve passed it on to the hubby to read next. I wish I’d had a book like this—or a teacher like Mrs. Kramer—15 years ago. My entire life would have been different. Alas, we’ll have to jump in where we are. I think this book would make a fabulous gift for a graduate or a newlywed couple. I may just have to buy it for my sister & her fiance. If you can begin your life with lessons like these (in a format that is fun to read), you’ll be in a much better position at any age.

You can buy the book on Amazon for only $15.99, but it is worth so much more! Plus, you have the chance to win a copy of your own right here. Simply leave a comment, and tell us who you’ll share this book with (after you’ve garnered all the lessons yourself, of course). You can earn additional entries by:

• Subscribing to our site by email or RSS
• Following Inexpensively on Twitter
• Writing about this giveaway (blog, forum, public Facebook note)
• Tweeting about this giveaway: Win a copy of Enjoy Your Money by @JSteveMiller from @Inexpensively! {link}

For your extra entries to be counted, be sure to leave an additional comment directing us to your entry. Only one additional entry per method (i.e. While multiple tweets are appreciated it, only one will count as a drawing entry.) The contest runs until May 25th at 11:59pm est. One winner will be notified by email on May 26th and receive a copy of Enjoy Your Money: How to Make It, Save It, Invest It and Give It. Winner will have 48 hours to complete the claim form or a new winner will be chosen.

There are numerous products and tools designed to help you live your life. Some will work, while others won’t. Each Tuesday, we’ll share something we’ve tried so you won’t have to spend money until you know it’s worth it! Our selections usually include items that will also save your family money while others will save you time or just make your inexpensive life easier to manage. I was provided with a free book to read for this review, but the opinion is 100% real.

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They have a ton of cool features that I like to use to help me organize my money, prevent identity theft, make budgeting easier, and give me peace of mind.

Help #1: Categorizing Funds

You can create as many savings accounts as you want. I categorize my money into separate accounts that match my budget each month.

Budget Excerpt:
Taxes: $1,000
Retirement: $650
Heat: $100
My Checking and Savings accounts:

Instead of having to go into a bank and create separate savings accounts you just create them online. I have opened three savings accounts at one bank and they looked at me like I was crazy. I’m glad I didn’t ask them to create seven!

All you need to do to create a new savings account in ING is to log into your account and click on Open an Account. Go through the process to open an account. Nickname the account to match the name on your budget.

Note: It doesn’t look like it will link to your previous account, but it will show up listed in your account when you log in.

Help #2: Prevent Identity Theft

I have an Electric Orange Checking account. I like it because it earns interest (though the rate is only 0.24% currently), there are no fees or minimums, and it’s completely paperless.

I also like them because they help prevent identity theft. They give you the option to have an email alert sent to you every time a purchase is made with your debit card, or if a purchase goes above a specific amount.

The email is from ING Direct and has the subject of Electric Orange Card Security: Transaction Notification. I usually get the email within 30 minutes of a transaction.

I have found this extremely helpful. I’ve had a previous debit card stolen (though Bank Of America) and didn’t know until I checked my bank account. Now I get an email every time I have a transaction, so I know exactly what is happening on my account when it happens.

Help #3: Forgetting to Save Receipts

I forget to save receipts occasionally (Ok I’ll be honest, quite a bit!). So another great benefit about the email alerts is that I have a record of all of my transactions. A message usually looks like this:

Dear Jaime,

This is a notification that a purchase was made using your Electric Orange Card.

Here are the transaction details:
Date:  04/20/2010
Merchant:  BJ’S WHOLESALE 110 MT. AUBURN AVENUE
$ Amount:  $29.55

I usually check my email as soon as I come home from the store. If I have forgotten the receipt, I have this handy record of what store I went to and how much I spent. Usually, I’ll update the budget right away so I remember, but if I don’t I leave that email in my inbox until I do.

You can set up the alerts per debit card, so you can know every time your significant other makes a purchase too. I personally don’t do that, but it might be easier to have one person keep track of all of the spending. Make sure you agree on that first, so it doesn’t seem like you are spying on them!

Help #4: Never Bounce a Check! Or Keep A Cushion

ING Direct has another email alert called “Time to Deposit More Money Notification”. It tells you when your account hits a certain amount that you specify. If it goes below that number, it’s time to deposit more money!

This is useful to prevent bounced checks, but I use it to make sure my $500 cushion is still there. When I budget I always want to have a $500 cushion in case something comes up, and I need to have cash available now. I like to run my checking account to the penny, but have that cushion if needed.

This prevents having to always transfer money from other accounts. If I’m at the mechanic for an oil change, and they tell me I need to fix something, I can just tell them to fix it even if it’s $500. Previously I had to think back to figure out how much was in the account, and decide if I should transfer money from my emergency fund or not.

For more from Jaime check out her blog, Eventual Millionaire, where you can join the journey to be a millionaire by becoming debt free, creating your ideal life style and making your millions doing what you love.

If you don’t have an ING Direct account, be sure to check out The Orange Savings Account. Earn high interest. Great rates, no fees, no minimums. Start saving in under 5 minutes.

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You teach your child to look both ways before crossing the street but do you teach them to look at health insurance options before crossing the threshold from living at home to living out on their own?

You teach your child to never talk to strangers but do you teach them to never talk to high pressure sales people that refuse to talk about the details of their financial products?

You teach your child how one bad action can leave to a bad habit but do you teach them how even a small amount of savings can grow to a large sum given enough time because of the power of compound interest?

It is commonly accepted that a good parent should teach their child all about the former part of each of the sentences above but what about the latter? Why does financial literacy seem to fall by the wayside in the minds of many parents? Sure, the US Government has a U.S Financial Literacy and Education Commission but do you really want to leave it up to Uncle Sam to teach your kids about money?

Here are practical ways to teach your child about money that range from very young kids (aka “willing to listen”) to not so young kids (aka “know it all’s”):

#1 Take Your Child to the Bank to Open a Savings Account

Yes, taking your child to the bank to open a savings account is definitely the most well known way to teach a child about money but it’s popularity certainly does not diminish its importance. From a very young age your child can begin to learn about the importance of saving, how interest works, delayed gratification, and more just by the simple act of you taking them to the bank and helping them set up a simple savings account that accrues compound interest.

#2 Allow Your Child to Make Some of Their Own Financial Decisions

There are two different ways that many parents treat their children’s decision making capability when it comes to money and these two ways are just as wrong as they are different. The first wrong approach is to allow a child to spend their money however they see fit with no parental oversight and if the child makes a bad decision then the parent immediately bails the child out and gives them more money so that they can continue to make poor decisions with their money (Sidebar: if the word “bailout” didn’t tip you off then what does this scenario sound most like on a US macroeconomic level but I digress…?).

The second completely wrong approach is when a parent completely controls all spending for their child and never allows the child to make any financial decisions of their own and in turn leave the consequences of their choices.

The best thing you can do is to allow your child to make some of their own financial decisions under close parental supervision, and when a child messes up do not step right in to bail them out by giving them more money but rather use what happened as a teaching opportunity. As the child begins to understand on a very small scale some of the consequences of their financial decisions then they will begin to make wiser decisions and you can feel free to loosen the reigns somewhat.

#3 Apply for a Credit Card with Your Child

What!? Give a child a credit card?! Are you crazy!? Let me explain. This method is not something that you do with a hands off type of approach to parenting.

The reasoning behind this approach is thus—according to a recent Sallie Mae credit card study 84% of undergraduate students have at least one credit card, the average number of credit cards per undergraduate students is 4.6, and out of those 84% of students that had a credit card only 17% paid off their balances in full each month!

If you would rather your kids learn how to use a student credit card from their peers at college then that is your call as a parent but my advice would be to teach your kids from a very young age how to use a credit card properly (i.e. pay the balance off in full each month, never spend more than you have in the bank, use the card for rewards & to increase your credit score, etc.).

#4 Explain Your Health Insurance Policy at the Doctor’s Office

Taking your child to the Doctor or going to the Doctor yourself and bringing your child along with you is a great opportunity to teach your child the basics of health insurance. Explain to them what risk means. Teach them that health insurance is something responsible people buy to protect them in case something really bad happens. Teach in real life examples: “Remember when Timmy broke his leg at soccer practice? That probably would have cost about $20,000 at the hospital if Timmy’s family didn’t have health insurance coverage but since they bought health insurance before this happened then they only had to pay $1,000. Good thing, huh?”

#5 Explain Your Car Insurance Policy if You Get in a Car Wreck

While there are certainly bigger things to be thankful for after a car accident with no injuries if you get into a car wreck (or your child knows someone who has recently got into a car wreck) then use this as a teaching opportunity to of course first hammer home the importance of wearing a seat belt, driving safely, etc. but to also mention the importance of car insurance. Just like buying health insurance before one gets sick is something responsible people so so also is buying car insurance before one gets into an accident. Use a car wreck as a prime opportunity for teaching your child the importance of being responsible both as a driver and as a person who is prepared with proper auto insurance coverage.

#6 Explain the Messages Behind Commercials & Advertisements

Whenever a clever commercial comes on TV or you notice your child looking at a billboard or other advertisement try to spark up a conversation to teach your child about marketing, living frugally, not falling into the trap of having to buy everything new thing that is advertised, etc. This is also a great thing to tie into a lesson about saving and delayed gratification because if there is a new toy or something that a child really wants then teach them the importance of saving up money to afford it (even if you could afford to just buy it out of pocket for them), the lesson of scarce resources (i.e. “if you buy the new Nerf gun then you wont have enough money left over to buy the new baseball glove”), etc.

What About You?

What did I miss? What great ways do YOU have to teach children about money? What things have you found from experience to be successful in teaching kids to make smart financial decisions?

Joel Ohman is a Certified Financial Planner™, small business owner, and loves working on various online financial tools. His most recent effort is a website for easily comparing insurance providers.

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MFJ‘s daughter was with us, as well, and Brenia was thrilled to have a friend each day. The week was planned, and it was brilliant (if I do say so myself). The schedule was laid out and filled with fun, free(ish) activities.

We kicked off the week with a big, exciting trip to Bouncer Town. They have free wifi for momma and tons of fun for the kids. It was $25 (including drinks) well spent for 4 hours of play! I was able to use the (mostly) uninterrupted time to get a jump on the week’s work, since I knew my writing time would be few & far between the rest of the week.

Tuesday, I planned a super fun Hot Locks doll party for the girls—it was a sponsored house party, cost next to nothing and gave the little girls a little something special while the big girl was away with friends. On Wednesday, we took advantage of our family membership to spend an afternoon at the Children’s Museum. Thursday was a yucky, rainy day spent indoors with pre-planned crafts while I compiled grocery lists.

It was all leading to our Friday of Fun—MFJ had the day off, and we were planning to do something with the girls. After a week of low expenses, I was ready to spend $50ish on an exciting outing to cap off the spring break. For weeks, we told the girls we would go somewhere awesome on the last day.

We landed on Dave & Busters—my sister raves about it, my oldest had talked about it for weeks after a birthday party, and I thought it was genius—we can spend hours at an arcade for nothing more than a roll of quarters. The younger girls were unbelievably excited—what’s more fun than a huge room full of games?

As it turns out, Dave & Busters = casino, not arcade. Quarters? Oh, heck no! They’ll take $20s, if you please.

For just over an hour of play, we spent $108 loading $25 on game cards for each girl. Yes, that’s right—they charge you for the card! There are no prices on the machines. Just an odd, seemingly random number of credits. 10.7 credits to play this game. 13.3 credits to play that one. 16 credits (whoa—a whole number?) to ride this ride. 12.4 to ride that one.

And, tickets spewing out of half the machines at random intervals.

For our $108, we got 1 hour of chasing after the girls through a loud, obnoxious, poorly lit room and 4 bags of absolute junk prizes. Featuring? Tootsie Roll banks. Hey, at least there was chocolate! Had I researched the prices before announcing our destination? We would most certainly have chosen something else.

For $108, we could have purchased a zoo membership for an afternoon of animal wonders & many more throughout the year! For $108, we could have purchased a carload of bubbles, kites, games & toys to spend an amazing afternoon at the park. For $108? We should have had $108 worth of fun.

Lesson learned.

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I don’t know about you but every time I use my debit card I always forget to keep the receipt and it either ends up lost or in the “File 13″.  At the end of the week I have all these purchases and no record. We all know where this is going. It always ends up in a righteous fight with the spouse. The budget ends up busted.

I know what you are saying right now. “This guy doesn’t want us to use any plastic.” You are correct, my friend. My wife and I don’t have any credit cards. We only have one debit card that stays locked away in the back of my wallet . Every time we use it, though, the budget gets busted. Our zero based budget is not made for debit cards.

Remember, cash is king. Statistics say you will spend more when using a debit card as opposed to cash. I don’t know about you, but when I have the option to purchase an item for less than $5 I feel I have to add something to get it over that threshold. It’s like my debit card is not good enough for a purchase of less than a five spot. I feel the bankers may laugh at a $3.23 charge. So my pride sets in, and I add another item.

What an idiotic move, but in the heat of the moment I am already doomed. That is why we have moved to a cash only household. If you want to remain financially fit, you must move towards a cash basis. Here are some tips to moving to a cash only household.

This is a light hearted look at one extra step you can take to secure your financial future. Use of cash will help deepen your relationship with your spouse. Paying with cash hurts. When it hurts you tend to be less impulsive and more intentional. Intentionality is the key to winning in finances.

Our society is moving to be fully automated. In reality, cash-only households are really weird. Is being weird the key to winning the financial game?

This is a guest post from one of my new Yakezie friends, Chad Arnold. Chad writes for ConqueringPF.com which is a straight talk no nonsense blog about life and money. He is a family man who leverages his life experiences to convey his convictions about how to get financially fit.

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If you haven’t filed your taxes yet, you are definitely not alone. We have been getting our paperwork together all week. The good news is, our sponsor wants you to file for free. You can complete & file your federal taxes online with E-Smart Tax. Their basic federal program is always free, but I love their Deluxe option.

Is your last name Johnson? In honor of the everyday American and their new spokesperson, Daryl Johnson, Johnsons file free with the deluxe edition. Johnson is the 2nd most common last name in America (my maiden name holds fast to the number 1 spot!), and E-Smart Tax wants to reward you.

As one of the everyday American taxpayers they celebrate (even though my new last name isn’t quite so everyday), I want to file my taxes quickly, easily and with the best options to pay less taxes. Here are a few strategies we use to ease our tax burden:

• File your own taxes—programs like E-Smart Tax make it easy to do without an accountant.
• Keep good records year round—we use Mint to track our spending on a regular basis. Create tax-related spending categories that will make it easy to pull the totals you need for completing your documents.
• Track your mileage—The IRS allows $.55 per mile for business miles driven, $.24 per mile for medical or moving purposes and $.14 per mile driven to serve charitable organizations. It doesn’t sound like much, but it often adds up to several hundred dollars for us!
• Take the home office deduction—if you work from home, you can deduct the portion of your everyday household expenses relative to the size of your home office. This is a big one, if you have an in-home office.

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You can purchase tax software, download free tools and e-file your taxes on a number of sites. My favorite is TaxACT® because it is completely FREE to e-file your federal taxes. There are no restrictions and no catch—I’ve used this for years at home! You can also file your state taxes with the same program, but there is a fee to e-file those. I believe I paid $11.95 last year, thought I think it varies by state. Even their ultimate package (which includes state filing) is only $17.95.

Why do I use TaxACT® year after year? They’re secure site stores my basic information for the following year. It keeps things like address, job and family members. When I’m ready to file this year, I won’t have to dig out my children’s social security cards! It is very easy to update your information if you have had changes since 2009 but it’s great to have it all completed if you haven’t. Even if you did not use them last year, you may be able to import all your information from last year’s PDF files.

The step by step process walks you through each necessary form with simple questions. The comparison tools help you decide if you should file joint or separate. They also work to be sure there is nothing you’ve missed to save even more! You can comb through each of the alerts before you file, as they will highlight any red flags. I’ve been pleased with both the experience and keeping our tax payments low.

Click here to check it out and get started for FREE!

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