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30 Killer Websites That Will Save You Money

30 Killer Websites That Will Save You Money

The Internet has changed the way we think, shop, read, earn money… it has changed the way we live! One of the most important benefits we have gained from the World Wide Web is effective budget management. Although those deals and coupons can tempt you to spend more than planned, you cannot neglect the fact that you can save – and make – a lot of money by accessing the right websites.

Get ready to start bookmarking, because you are about to discover 30 budget-friendly websites that will make you a smarter shopper and help you earn money along the way.

Clothes

1. Rent the Runway

rent

    So you need a special piece for an important event? You don’t need to spend thousands of dollars on designer clothes when you can rent them at RentTheRunway.com for a massively reduced price tag.

    2. thredUP

    thred

      This website will help you get cheap clothes and make some cash at the same time. ThredUP is a fashion resale website where you can buy secondhand clothing or sell some of your own pieces. The clothing items featured at the website are as good as new, so you can get some really amazing deals!

      3. Twice

      twice

        If you don’t manage to find the piece you need at thredUP, then Twice should be your next shopping destination. You’ll love the 40% off deal for your first order at this website! Twice allows you to buy high-quality items or sell the clothes you want to get rid of.

        Books and movies

        4. PaperBack Swap

        paper

          Who needs to spend money on books when there are so many people who would love to trade? If you are not emotionally attached to the books in your library, you should join the book club at PaperBackSwap.com and start swapping editions with other members. There are over 4 million books to choose from!

          5. Chegg

          chegg

            No students look forward to spending too much money on textbooks. Thanks to Chegg, they can buy or rent used books and save up to 90%.

            6. Swap a DVD

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            swap dvd

              Planning a movie night with your friends? This website enables you to swap the movies you’ve already watched and get some of the available DVDs in return. There are over 250,000 movies currently available at the website.

              Earning money through freelance writing

              7. FreelancerCareers

              freelance careers

                The competition at this website is fierce, but great writing talent always gets noticed (especially if you are skilled in resume writing). You’ll be able to apply for hundreds of freelance writing jobs associated to your interests and knowledge. The 24/7 support system functions impeccably too, so you’ll be able to solve any issue with no delays.

                8. Writers.ph

                writers ph

                  At this website, you can choose from a myriad of freelance writing jobs in different categories. It won’t take much time for you to get used to the way Writers.ph functions and start making an income, since you’ll get orders related to the subjects of your interest.

                  9. AsiaWriters

                  asia writers

                    This is a freelance writing organization that offers financially-rewarding jobs. All you need to do is focus on the writing and leave the other concerns to the support management system at the website. You’ll earn up to $30 per page for your work.

                    10. EssayWriters.net

                    essay writers

                      If you are good in academic writing, then you can get a decent monthly income at this website. The constant flow of orders enables you to get the right job exactly when you need it and earn up to $30 per page for your efforts.

                      Travel

                      11. CarmaCarpool

                      Carma

                        You can get a more affordable, faster and greener commute if you simply use Carma – a site that enables you to find a match and share the driving costs.

                        12. Yapta

                        Yapta

                          Thanks to this website, you can find awesome travel deals and reserve your spot right on time. Plus, you can track different deals and wait for an e-mail alert, so you can make an early booking as soon as the prices drop.

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                          13. Airbnb

                          airbnb

                            Who needs an expensive hotel or a pricey, but awful rented room when you can rent real homes in over 190 countries? Thanks to Airbnb, you can find lovely accommodations for incredibly cheap prices.

                            14. Booking Buddy

                            buddy

                              When you are about to organize a trip, you need to compare the costs of different booking sites. There is no need to waste your time making comparison charts; BookingBuddy.com enables you to find the best deal within minutes.

                              Exercise

                              15. Cody

                              cody

                                This website enables you to purchase different plans from renowned trainers. There are different categories you can choose from – functional fitness, weight loss, strength, flexibility, yoga, and more.

                                16. YogaGlo

                                glo

                                  With the increased popularity of yoga, good instructors started charging sky-high prices for their classes and luxurious retreats. When you become part of the YogaGlo online community, you will practice with some of the greatest teachers for a low monthly charge of $18.

                                  Coupons and gift cards

                                  17. Swagbucks

                                  Picture-19-1024x569

                                    Thanks to this website, you can get free gift cards by using the Internet for searching, shopping, taking polls, playing games and watching videos.

                                    18. Current Codes

                                    currentcodes

                                      Instead of browsing through different shopping websites to find the best deals, you can simply access CurrentCodes.com and find functional codes for your favorite retailers.The website is solely focused on coupon codes though, so don’t expect to find information about deals and sales.

                                      19. CoupFlip

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                                      coup

                                        You have a daily deal coupon you don’t intend to use? You can sell it at CoupFlip.com. You won’t have to wait for a purchaser either – you can instantly sell the deal at the website. In addition, you can shop for deals with huge discounts!

                                        20. The Krazy Coupon Lady

                                        krazy

                                          This is the most popular online database of mobile coupons, printable coupons, and deals from a great base of retailers. You should tame your enthusiasm though, since the greatest deals can lead you to unplanned shopping sprees.

                                          Food and drinks

                                          21. Neighborhood Fruit

                                          fruit

                                            The concept of this website is rather unusual, but fun and effective nevertheless. You can sell or buy fresh local fruit and save money while promoting a great cause.

                                            22. Supercook

                                            supercook

                                              It doesn’t matter what kind of food you have in your fridge; you can always combine it into a delicious meal thanks to Supercook – a website that will release your creativity and increase the potential of your fridge.

                                              23. Get Drunk Not Fat

                                              drunk

                                                A few nights out can be devastating to your budget. Thanks to the chart provided at this website, you can find beers, wines and other types of beverages sorted by the cost of 1 oz of pure alcohol.

                                                24. $5 Dinners

                                                5 dinner

                                                  Good meals can get really expensive. This blog provides you with coupons, recipes and tips on budget-friendly eating.

                                                  Electronics

                                                  25. Cellswapper

                                                  cell

                                                    Are you stuck in a phone plan and want to find an easy way out? You can swap it for a new short-term contract or simply give it away at Cellswapper.com and forego bothering with early-termination fees.

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                                                    26. Glyde

                                                    glyde

                                                      This website enables you to get the best price for your video game or gadget. In addition, you can buy things on Glyde and save up to 90% through a convenient and safe buying experience.

                                                      27. Monoprice

                                                      mono

                                                        The great daily deals, products on clearance and seasonal discounts at Monoprice.com will surely make you happy.

                                                        Prescription drugs

                                                        28. GoodPx

                                                        goodpx

                                                          Thanks to GoodPx, you can compare the prices for FDA-approved prescription drugs at the pharmacies near your location. In addition, you can find great discounts, coupons, and cheaper generics that will save you a lot of money.

                                                          Paying bills

                                                          29. WhiteFence

                                                          white fence

                                                            If you want to save money on your bills, then you need to find out what the average rates are. Thanks to WhiteFence, you can get such information and realize if you’re overpaying for Internet, cable, or phone services.

                                                            30. Undebt.it

                                                            debt

                                                              The payment plan generated by this service will help you manage your budget in the most effective manner. Thanks to Undebt.it, you’ll never forget the upcoming due dates and you’ll always know exactly how much money you need to reserve for the bills.

                                                              Featured photo credit: handsome hipster modern man designer working home using laptop at home via shutterstock.com

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                                                              Published on May 7, 2019

                                                              How to Invest for Retirement (The Smart and Stress-Free Way)

                                                              How to Invest for Retirement (The Smart and Stress-Free Way)

                                                              When it comes to stocks, I bet you feel like you have no idea what you’re doing.

                                                              Everyone who’s not a financial expert has been there. I’ve been there. But, time is passing and you need to be crystal clear with how you’re investing for your retirement.

                                                              Otherwise, it’s back to work until you can afford not to. So, how can you invest for retirement when you’re not a financial expert?

                                                              You take the time to learn the fundamentals well. If you do, you can grow your wealth and retire happy. The best part is that you don’t need to be a financial expert to make smart investment decisions.

                                                              Here’s how to invest for retirement the smart and stress-free way:

                                                              1. Know Clearly Why You Invest

                                                              Odds are you already know why should invest for retirement.

                                                              But, maybe you know the wrong reasons. It’s time you get clear on why you’d like to retire. Here are some questions to help you get started:

                                                              • Will you spend more time with your family?
                                                              • What does retirement mean to you?
                                                              • Are you looking to launch that business you’ve been holding off for years?

                                                              Everyone wants to retire but not for the same reasons. Once you’re clear for why retirement is important for you, you’ll focus on making it happen.

                                                              Investing in the stock market allows you to take advantage of compound interest.[1] All this means is that your money earns money on top of its interest. A reason why investment in the stock market is one of the best ways to plan for retirement.

                                                              2. Figure out When to Invest

                                                              “The best time to plant a tree was 20 years ago. The second best time is now.”– Chinese Proverb

                                                              It’s true if you’d had started investing when you were 10 years old, you’d have a lot more money than you do today.

                                                              The reality is that most people don’t start investing until it’s too late. So, if you’re currently waiting for the perfect time to start an investment, it would be today. Open your calendar and block out 2 to 3 hours to choose how you’ll invest for retirement.

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                                                              A quick way to get a snapshot of where you stand is to use Personal Capital. Input all your personal information and spend some time setting your retirement goals. Once completed, you’ll know where you stand with your retirement.

                                                              Having a savings account for retirement isn’t planning for retirement. Why? Your money loses value when you factor in US inflation.[2]

                                                              3. Evaluate Your Risk Tolerance to Create the Perfect Portfolio

                                                              Investing your money well depends on your emotions.

                                                              Why?

                                                              Because when the market drops most people panic and withdraw their money. On average, the US stock market yields an annual 6% to 7% ROI (return on your investment.) But, this won’t happen if you’re worried about short-term loses.

                                                              Before you invest your next dollar, know your risk tolerance.[3] Your risk tolerance determines the number of risky and safe investments you’d have.

                                                              Regardless of your investing style, you need to view investing for retirement as a long term game. Know that some years you’ll lose money but recoup this in the long-term.

                                                              Avoid watching market-related new. Also, create a double authentication to log in your investment account. This way you’re less likely to withdraw your money.

                                                              4. Open a Reliable Retirement Account

                                                              Depending on your circumstance, you may need to open a new brokerage account. This is the account is where you’ll invest your money.

                                                              If you’re currently working for a company, odds are that they offer a 410K investing account. If so, here’s where you’ll invest most of your money. The only problem with this is that you’re limited to the stock options that are available.

                                                              You do have the option to open a separate IRA (individual retirement account.) Here are some of the best brokers:

                                                              1. Vanguard
                                                              2. TD Ameritrade
                                                              3. Charles Schwab

                                                              5. Challenge Yourself to Invest Consistently

                                                              Committing to invest for retirement is hard, but continuing to do so is harder.

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                                                              Once you’ve started investment for your retirement, you run at risk from stopping. Often you’ll want to contribute less, so you’d have more money in your pocket.

                                                              That’s why it’s important that you create a budget that allows you to invest each month. If you’re working for a company, you can set a percentage for the amount you’d like to contribute each month. Most people by default contribute 1% but aim to contribute 10% to 15%.

                                                              Be the judge for how much you can afford to contribute after covering important expenses. To stay motivated, use Personal Capital to view your net worth.

                                                              A benefit to contributing money to your retirement account is not taxed. For example, if you earn $100 and invest 10%, you’d contribute $10, then get taxed on the remaining $90. As of 2019, the most you’re able to contribute towards your 401K is 19K but this can change.

                                                              6. Consider Where to Invest Your Money

                                                              The most common way to invest your money is in stocks, but it’s not the only way. Here are other ways to invest:

                                                              Robo Advisors

                                                              Robo-advisors[4] are fancy algorithms that’ll choose the best investments for you. Sites like Wealthfront make it easy for first-time investors to invest their money. You’d input information about yourself and set your risk tolerance.

                                                              Then, set your monthly contribution amount and your robo-advisor would do the rest. Robo-advisors charge a fee to manage your money, but less than regular advisors.

                                                              Bonds

                                                              Think of bonds as “IOUs” to whomever you buy them from.

                                                              Essentially, you’re lending money and charging interest. Like stocks, not all bonds are equal. Some will be riskier than others depending on their rating.

                                                              Here are the different types of bond categories:[5]

                                                              1. Treasury bonds
                                                              2. Government bonds
                                                              3. Corporate bonds
                                                              4. Foreign bonds
                                                              5. Mortgage-backed bonds
                                                              6. Municipal bonds

                                                              Mutual Funds

                                                              Picture a group of people dumping all their money in a jar that’s managed by a professional. This is how mutual funds work. The fund manager manages the money looking to earn capital gains (interest.)

                                                              One of the best types of mutual funds is index funds. Since these funds don’t try to beat the market and instead follow it, they need less research. Because of this they often charge the lowest fees and yield the best long-term results.

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                                                              Real Estate

                                                              Yes, buying a home is an investment when done correctly.

                                                              Imagine buying a home and using it as a rental property. After repairing it, you receive a monthly surplus check of $100 to $200.

                                                              This may not sound like a lot, but repeat this process enough times and you’d earn a large amount of passive income. That’s why real estate is one of the best investments to not only retire but become wealthy.

                                                              But, it requires a lot of money to start and you should expect losing money along the way as you learn the process.

                                                              Savings Accounts

                                                              Your money can still grow in a savings account. Nowadays most online banks offer a 2% annual return. Although the average inflation is higher your money will be available when you need it.

                                                              7. Master Disincline to Dodge Short Success

                                                              Investing for retirement is a long-term strategy. That’s why you need to master delayed gratification. All this means is delaying short-term pleasure for something bigger in the future. Research shows that those who have delayed gratification are more successful.[6]

                                                              So how can you master delayed gratification?

                                                              By building your discipline.

                                                              Think back to what retirement means to you. A clear purpose will help you avoid withdrawing your money during a market downturn. It’ll help you contribute more towards retirement when you’d want to waste it instead.

                                                              Your journey towards retirement will be long, so reward yourself along the way. Choose a reward that’s relevant and meaningful, so that you reinforce positive behavior. For example, after contributing more towards retirement, treat yourself to dinner.

                                                              8. Aggressively Invest on This One Investment

                                                              I’ve mentioned several types of investments but haven’t covered the most important one.

                                                              It sounds cliche but here’s why you’re your best investment towards retirement. The more you know, the more money you’ll be able to make. The more good habits you adopt, the more secure your retirement will be.

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                                                              More importantly, investing in yourself is an investment that no one can take away. There’s no market downturn nor tragic circumstance that’ll wipe your knowledge and experience.

                                                              But, how can you invest yourself?

                                                              Reading books, blogs, and anything that’ll help you learn new topics daily. Listen to podcasts and audiobooks on your commute to/from work.

                                                              Save money to buy courses and hire coaches. I used to believe hiring coaches was a waste of money when I could learn the subject alone.

                                                              But, coaches see your blind spots and hold you accountable. Hiring the right coach will help you achieve your goals faster than you would’ve alone.

                                                              Retire Happy with Excess Money

                                                              The key to a secure financial future doesn’t only belong to financial experts.

                                                              It’s possible for you and I. What if you were able to retire earlier than most people and weren’t a financial planner? What if you were able to focus on what you enjoy doing the most while your money was working hard for you?

                                                              I know this sounds impossible now, but the truth is you’re capable of taking charge of your retirement. I’m not a financial expert but I’ve learned how to invest my money by reading books and learning from others.

                                                              Investing your money is scary. So start small and invest a small amount of your money with a robo-advisor. Feel your money drop and rise for a month or two. Then, invest more and keep this up until you’re aggressively saving for retirement.

                                                              One day, you’ll wake up with a net worth you’re proud of – confident about your retirement. You now know a few strategies you can use to invest in your retirement. Will you take action to retire happy?

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                                                              Featured photo credit: Matthew Bennett via unsplash.com

                                                              Reference

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