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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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                                                              Last Updated on August 20, 2019

                                                              How to Set Financial Goals and Actually Meet Them

                                                              How to Set Financial Goals and Actually Meet Them

                                                              Finances can push anyone to the point of extreme anxiety and worry. Easier said than done, planning finances is not an egg meant for everyone’s basket. And that’s why most of us are often living pay check to pay check. But did anyone tell you that it is actually not a tough task to meet your financial goals?

                                                              In this article, we will explore ways on how to set financial goals and then actually meet them with ease.

                                                              5 Steps to Set Financial Goals

                                                              Though setting financial goals might seem to be a daunting task but if one has the will and clarity of thought, it is rather easy. Try using these steps:

                                                              1. Be Clear About the Objectives

                                                              Any goal (let alone financial) without a clear objective is nothing more than a pipe dream. And this couldn’t be more true for financial matters.

                                                              It is often said that savings is nothing but deferred consumption. Therefore if you are saving today, then you should be crystal clear about what it is for. It could be anything like kid’s education, retirement, marriage, that dream vacation, fancy car etc.

                                                              Once the objective is clear, put a monetary value to that objective and the time frame. The important point at this step of goal setting is to list all the objectives, however small they may be, that you foresee in the future and put a value to it.

                                                              2. Keep Them Realistic

                                                              It’s good to be an optimistic person but being a pollyanna is not desirable. Similarly, while it might be a good thing to keep your financial goals a bit aggressive, going out of the line will definitely hurt your chances of achieving them.

                                                              It’s important that you keep your goals realistic in nature for it will help you stay the course and keep you motivated throughout the journey.

                                                              3. Account for Inflation

                                                              Ronald Reagan once said – “Inflation is as violent as a mugger, as frightening as an armed robber and as deadly as a hitman”. And this quote sums up the best what inflation could do your financial goals.

                                                              Therefore account for inflation whenever you are putting a monetary value to a financial objective that is far away in the future.

                                                              For example, if one of your financial goal is your son’s college education, which is 15 years hence, then inflation would increase the monetary burden by more than 50% if inflation is mere 3%. So always account for inflation.

                                                              4. Short Term vs Long Term

                                                              Just like every calorie is not the same, the approach towards achieving every financial goal will not be the same. It is important to bifurcate goals in short term and long term.

                                                              As a rule of thumb, any financial goal, which is due in next 3 years should be termed as short term goal. Any longer duration goals are to be classified as long term goals. This bifurcation of goals into short term vs long term will help in choosing the right investment instrument to achieve them.

                                                              More on this later when we talk about how to achieve financial goals.

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                                                              5. To Each to His Own

                                                              The journey of setting financial goals is an individualistic affair i.e. your goals are your own goals and are determined by your want to achieve them. A lot of times we get on the bandwagon of goal setting only to realize later on that it was not meant for us.

                                                              It is important that your goals are actually your goals and not inspired by someone else. Take a hard look at this step at all the goals you’ve set for after this step, you will be on the way to achieve them.

                                                              By now, you would be ready with your financial goals, now it’s time to go all out and achieve them.

                                                              11 Ways to Achieve Your Financial Goals

                                                              Whenever we talk about chasing any financial goal, it is usually a 2 step process –

                                                              • Ensuring healthy savings
                                                              • Making smart investments

                                                              You will need to save enough; and invest those savings wisely so that they grow over a period of time to help you achieve goals. So let’s get down to ensuring healthy savings.

                                                              Ensuring Healthy Savings

                                                              Self realization is the best form of realisation and unless you decide what your current financial position is, you aren’t heading anywhere.

                                                              This is the focal point from where you start your journey of achieving financial goals.

                                                              1. Track Expenses

                                                              The first and the foremost thing to be done is to track your monthly expenses. Use any of the expense tracking mobile apps to record your expenses. Once you start doing it diligently, you would be surprised to see how small expenses add up to a sizeable amount.

                                                              Also categorize those expenses into different bucket so that you know which bucket is eating the most of your pay check. This record keeping will pave the way for cutting down on un-wanted expenses and pump up your savings rate.

                                                              2. Pay Yourself First

                                                              Generally, savings come after all the expenses have been taken care of. This is a classical mistake which almost everyone of us do. We pay ourselves last!

                                                              Ideally, this should be planned upside down. We should be paying ourselves first and then to the world i.e. we should be taking out the planned saving amount first and then manage all the expenses from the rest.

                                                              The best way to actually implement is to put the savings on automatic mode i.e. money flowing automatically into different financial instruments (for example – mutual funds, retirement corpus etc) every month.

                                                              Taking the automatic route will make us lose control of our money and hence will compel us to manage in what’s left with us thereby increasing the savings rate.

                                                              3. Make a Plan and Vow to Stick with It

                                                              Budgeting is the best to get around the uncertainty that financial plans always pose. Decide in advance how spending has to be made.

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                                                              Nowadays, several money management apps and wallets can help you do this automatically. It’s easy and who knows, you may just end up doing what people fail to do.

                                                              At first, you may not be able to stick to your plans completely but don’t let that become a reason why you stop budgeting entirely.

                                                              Make use of technology solutions you like. Explore options and alternatives that let you make use of the available wallet options and choose the one that suits you the most. In time, you will get accustomed to making use of these solutions.

                                                              You will find that they make it simpler for you to follow your plan, which would have been difficult otherwise.

                                                              4. Rise Again Even If You Fall

                                                              Let’s be realistic. It’s not like the world will come to an end if you made one mistake. This isn’t called leniency but discipline.

                                                              If you fail to meet your budget for a month, don’t give up the entire effort just like that. Instead, start again.

                                                              Remember that flexible plans are the most realistic plans. So go forward and try to follow your financial goals as planned but if for some reason, the plan gets out of hand for you, do not give up on it just yet. This has a lot to do with your psychology rather than any material commitment.

                                                              All you have to do is to stay on the road and vow to stay on it, no matter how much you fall down.

                                                              5. Make Savings a Habit and Not a Goal

                                                              In the book Nudge, authors Richard Thaler and Cass Sunstein advocate that in order to achieve any goal, it should be broken down into habits since habits are more intuitive for people to adapt to.

                                                              Make Savings a habit rather than a goal. While it might seem to be counter intuitive to many but there are some deft ways of doing it. For example:

                                                              Always eat out (if at all) during weekdays rather than weekends. Usually weekends are expensive. Make it a habit and you would in turn be saving a great deal.

                                                              If you are travelling buff, try to travel during off season. Your outlay will be much less.

                                                              If you go out for shopping, always look out for coupons and see where can you get the best deal.

                                                              So the key point is to imbibe the action that results in savings rather than on the savings itself, which is the outcome. Focusing on the outcome will bring out the feeling of sacrifice which will be harder to sustain over a period of time.

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                                                              6. Talk About It

                                                              Sticking to the saving schedule (to achieve financial goals) is not an easy journey. There will be many distractions from those who are not aligned with your mission. And it would be rather easy to lose the grip over your discipline.

                                                              Therefore in order to stay the course, it is advisable that you keep yourself surrounded with people who are also on the same bandwagon. Daily discussions with them will keep you motivated to move forward.

                                                              7. Maintain a Journal

                                                              For some people, writing helps a great deal in making sure that they achieve what they plan.

                                                              So if you are one of them, maintain a proper journal, where you write down your goals and also jot down the extent to which you managed to meet them. This will help you in reviewing how far you have come and which goals you have met.

                                                              Use this journal to write down all essential points such as your short term, mid term and long term goals, your current sources of income, your regular expenses which you are aware of and any committed expenses which are of recurring nature.

                                                              When you have a written commitment on paper, you are going to feel more energised to follow the plan and stick to it. Moreover, it is going to be a lot more easier for you to follow you and track your progress.

                                                              At this point, you should be ready with your financial goals and would be doing brilliantly with savings; now it’s time to talk about the big daddy – Investments.

                                                              Making Smart Investments

                                                              Savings by themselves don’t take anyone too far. However savings when invested wisely can do wonders and we are at that stage where we will talk about making smart investments.

                                                              8. Consult a Financial Advisor

                                                              Investments doesn’t come naturally to most of us therefore rather than dabbling with it ourselves, it is wise to consult a financial advisor.

                                                              Talk to him/her about your financial goals and savings and then seek advice for the best investment instruments to achieve your goals.

                                                              9. Choose Your Investment Instrument Wisely

                                                              Though your financial advisor will suggest the best investment instruments, it doesn’t hurt to know a bit about them.

                                                              Just like “no one is born a criminal”, no investment instrument is bad or good. It is the application of that instrument that makes all the difference.

                                                              Do you remember we talked about bifurcating financial goals in short term and long term?

                                                              It is here where that classification will help.

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                                                              So as a general rule, for all your short term financial goals, choose an investment instrument that has debt nature for example fixed deposits, debt mutual funds etc. The reason for going for debt instruments is that chances of capital loss is less as compared to equity instruments.

                                                              10. Compounding Is the Eighth Wonder

                                                              Einstein once remarked about compounding,

                                                              Compound Interest is the eighth wonder of the world. He who understands it, earns it… He who doesn’t… Pays it.

                                                              So make friends with this wonder kid. And sooner you become friends with it, quicker you will reach closer to your financial goals.

                                                              Start investing early so that time is on your side to help you bear the fruits of compounding.

                                                              11. Measure, Measure, Measure

                                                              All of us do good when it comes to earning more per month but fail miserably when it comes to measuring the investments; taking stock of how our investments are doing.

                                                              If there is one single step where everything (so far) can go wrong, it is at this step – Measuring the Progress.

                                                              If we don’t measure the progress timely, then we would be shooting in the dark. We wouldn’t know if our saving rate is appropriate or not; whether financial advisor is doing a decent job; whether we are moving closer to our target or not.

                                                              Do measure everything. If you can’t measure it all yourself, ask your financial advisor to do it for you. But do it!

                                                              The Bottom Line

                                                              This completes the list of tips for you to set financial goals and actually achieve them with not so great difficulty.

                                                              As you can see, all it requires is discipline. But guess that’s the most difficult part!

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                                                              Featured photo credit: rawpixel via unsplash.com

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