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How to Live on a Tight Budget

How to Live on a Tight Budget

Do you go out to eat at least once a week? Do you frequent the movie theater? Are you are Starbucks addict? If so, you are spending thousands of dollars a year on the little things. Just think of the money you would save if you just cut a few corners each day. Now think about what your savings account would look like if you put that money in a high-interest bank account.

How much you save actually has very little to do with the income you receive. In fact, the amount in your savings account actually has much more to do with how you spend your money. Here are just a few “small” ways that will allow you to save a lot of money in the long run.

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Entertainment is the first expense that seems to be talked about when it comes to living on a budget. We like to do things in our free time and we like to go out to eat or to concerts on the weekends. But when money is tight, we need to be a bit more creative in how we entertain ourselves.

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  • Look at your city’s newspaper or entertainment guide regularly to see what free events are in town. You will be surprised at how many free things there are to do when you take the time to look for them.
  • Head to your local museum or library. These are free places to relax and spend some time away from your house. And they often offer a number of free programs and events.
  • Go for a walk in a park. Many local public parks offer walking trails, tennis courts, and other equipment free of charge. The whole family is sure to love a day at the park.
  • Have a movie night at home. Instead of spending money on going to the movies, why not take out some of your favorite movies that you own and watch them at home? You can pop some popcorn and have all night movies marathons.
  • No Cable TV. According to research performed by Nielsen Co, the average American watches more than 4 hours of television every day. That’s 2 months in front of the television every year! Trade in the TV for quality activities like spending time with family and reading and you will save about $50 per month.

Gas prices have gone through the roof. Here are some simply ways you can save on gas.

  • Search for the lowest gas prices online at GasBuddy.
  • Save up to $100 a year on gas by keeping your engine tuned and your tires inflated to their proper pressure.
  • Avoid driving as much as possible. When traveling short distances, you can walk or even ride a bike. This will save you hundreds of dollars and probably get you in the best shape of your life.

Gifts and holidays are another source of worry for those living on a tight budget, but they don’t have to be. Though it may seem like you need money in order to show someone you love them at the holidays or on their birthday, this isn’t the case.

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  • Create freebie coupons. Mark some index cards with free help or favors that you will provide whenever they need it, whether it’s a backrub or mowing their lawn, your time and your help is more valuable than anything that comes with a bow.
  • Look at online auction sites or garage sales for gifts. While it can be tricky to find nice gifts that are cheap, these two places are often a lot more helpful than you might think.

Grocery costs are another major expense for many families. Fortunately, there are also a number of ways to save on food and groceries.

  • First, you should always pack your lunch for work. Not only will you save a ton of money, but it’s also a lot healthier.
  • Skip the Starbucks. Many people don’t realize how their coffee expenses can add up. A single latte can cost up to $4. This means that a Starbucks addict ends up spending about $1,000 just in coffee. Start making your coffee at home and your wallet will thank you for it.
  • Buy in bulk. There are a number of stores that allow you to save by buying in bulk. Sam’s Club is one of the most well-known examples.
  • Look for coupons. Coupons can save you a ton of money. However, you have to be careful. Even with coupons, you might not be getting the best buy. Comparison shopping is key.
  • Look for generic products. Often times, the only difference is the packaging.

Living on a tighter budget simply requires you to add a bit of creativity to your financial planning and daily expenses. There are plenty of ways to live life on the ‘cheap’ without feeling like you’re pinching every penny.

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If you know of any other frugal tips, please feel free to add them in the comments.

Kim Roach is a productivity junkie who blogs regularly at The Optimized Life. Read her articles on 50 EssentialGTD Resources, How to Have a 46 Hour Day, Do You Need a Braindump, What They Don’t Teach You in School, and Free Yourself From the Inbox.

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Last Updated on May 14, 2019

8 Replacements for Google Notebook

8 Replacements for Google Notebook

Exploring alternatives to Google Notebook? There are more than a few ‘notebooks’ available online these days, although choosing the right one will likely depend on just what you use Google Notebook for.

  1. Zoho Notebook
    If you want to stick with something as close to Google Notebook as possible, Zoho Notebook may just be your best bet. The user interface has some significant changes, but in general, Zoho Notebook has pretty similar features. There is even a Firefox plugin that allows you to highlight content and drop it into your Notebook. You can go a bit further, though, dropping in any spreadsheets or documents you have in Zoho, as well as some applications and all websites — to the point that you can control a desktop remotely if you pare it with something like Zoho Meeting.
  2. Evernote
    The features that Evernote brings to the table are pretty great. In addition to allowing you to capture parts of a website, Evernote has a desktop search tool mobil versions (iPhone and Windows Mobile). It even has an API, if you’ve got any features in mind not currently available. Evernote offers 40 MB for free accounts — if you’ll need more, the premium version is priced at $5 per month or $45 per year. Encryption, size and whether you’ll see ads seem to be the main differences between the free and premium versions.
  3. Net Notes
    If the major allure for Google Notebooks lays in the Firefox extension, Net Notes might be a good alternative. It’s a Firefox extension that allows you to save notes on websites in your bookmarks. You can toggle the Net Notes sidebar and access your notes as you browse. You can also tag websites. Net Notes works with Mozilla Weave if you need to access your notes from multiple computers.
  4. i-Lighter
    You can highlight and save information from any website while you’re browsing with i-Lighter. You can also add notes to your i-Lighted information, as well as email it or send the information to be posted to your blog or Twitter account. Your notes are saved in a notebook on your computer — but they’re also synchronized to the iLighter website. You can log in to the site from any computer.
  5. Clipmarks
    For those browsers interested in sharing what they find with others, Clipmarks provides a tool to select clips of text, images and video and share them with friends. You can easily syndicate your finds to a whole list of sites such as Facebook, Twitter and Digg. You can also easily review your past clips and use them as references through Clipmarks’ website.
  6. UberNote
    If you can think of a way to send notes to UberNote, it can handle it. You can clip material while browsing, email, IM, text message or even visit the UberNote sites to add notes to the information you have saved. You can organize your notes, tag them and even add checkboxes if you want to turn a note into some sort of task list. You can drag and drop information between notes in order to manage them.
  7. iLeonardo
    iLeonardo treats research as a social concern. You can create a notebook on iLeonardo on a particular topic, collecting information online. You can also access other people’s notebooks. It may not necessarily take the place of Google Notebook — I’m pretty sure my notes on some subjects are cryptic — but it’s a pretty cool tool. You can keep notebooks private if you like the interface but don’t want to share a particular project. iLeonardo does allow you to follow fellow notetakers and receive the information they find on a particular topic.
  8. Zotero
    Another Firefox extension, Zotero started life as a citation management tool targeted towards academic researchers. However, it offers notetaking tools, as well as a way to save files to your notebook. If you do a lot of writing in Microsoft Word or Open Office, Zotero might be the tool for you — it’s integrated with both word processing software to allow you to easily move your notes over, as well as several blogging options. Zotero’s interface is also available in more than 30 languages.

I’ve been relying on Google Notebook as a catch-all for blog post ideas — being able to just highlight information and save it is a great tool for a blogger.

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In replacing it, though, I’m starting to lean towards Evernote. I’ve found it handles pretty much everything I want, especially with the voice recording feature. I’m planning to keep trying things out for a while yet — I’m sticking with Google Notebook until the Firefox extension quits working — and if you have any recommendations that I missed when I put together this list, I’d love to hear them — just leave a comment!

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