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Daily Expenditure $0: 20 Sites Of Modern Barter Trade

Daily Expenditure $0: 20 Sites Of Modern Barter Trade

Bartering or swapping sites provide easy ways to trade locally for services or needed products. Bartering or swapping can conveniently also take place through the mail . Of course, sites designed for swapping save money, especially since bartering is tax-free. The practice of bartering has been going on for centuries but on the Internet, people from all over the world can connect faster and with more convenience.

1. SwapStyle

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    SwapStyle is a bustling world wide bartering, sell, or  buy clothing site. Women and children’s clothing are available, as well as, sections for entertainment, accessories, shoes, and maternity wear. The site has been around since 2004 and is quite the popular spot for trading or buying. The site is free to join.

    2. Rehash Clothes

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      Rehash Clothes is a swap site for just about everything. There are men’s, women’s, and kid’s clothes available, along with, accessories, DVDs, textbooks and far more. The site was originally designed to design and reuse old clothes into designer clothes. Upon its launch Rehash Clothes quickly gained popularity as a swap site.

      3. Craigslist

      crasig

         Craigslist provides a a great resource for anyone looking to barter or swap. It was started in 1995 by Craig Newmark as a list of local events in San Francisco. Craigslist quickly grew into the large entity today, where people can go and find just about anything.

        4. Swap.com

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          Swap.com touts itself as ‘the largest online consignment store for baby and kids’ items. Parents simply box up the child’s clothes, toys, or maternity clothes and swap.com takes care of the rest. The items sent in are photographed and those with consigned items price their clothing or swap for needed items.

          5. U-Exchange

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            U-Exchange is an international bartering site for just about anything. Swap motorcycles, cars, homes, and more. There is no membership fee, people only have to sign in with a legitimate e-mail to begin swapping. U-Exchange does charge a very small fee to trade boats or to swap property permanently. Check out the guidelines before bartering.

            6. Freecycle

            free

              Freecycle was begun in 2003 in Tucson, AZ. It began as an e-mail list for locals to find other peoples throw-aways. The site grew quickly and now has over 7 million members worldwide. Simply enter your zip code to find those close to you or enter the zip of a larger city to discover whether some members will ship their items in an international swap.

               7. Game TZ

              game

                 Game TZ is a great and inexpensive way to keep a gamer happy. The zone allows users to create a library of their games and to trade between users without a fee of any kind. The site features top traders and what has been traded and received. Game accessories are also available to trade or buy.

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                8. PaperBack Swap

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                  Book lovers will truly love PaperBack Swap. Members build up their library in order to swap with other members. When a member lists ten books, they receive two credits. These credits are then used to barter with others in the group. For example, once a book is mailed and received by another member, the member who sent the book earns two credits. Extra credits are available for trading audio books.

                  9. SwapaCD

                  swap

                    SwapaCD works the same way as PaperBack Swap. Credits are earned in return for building a library and for sending CD’s to members. CD’s cost $0.49 and one credit point to purchase a CD. These credits may also be used in conjunction with the paperback swap site. Members may join and browse for free.

                    10. SwapaDVD

                    swap

                      SwapaDVD is also a part of PaperBack Swap and SwapaCD. Once the user builds a library of ten available DVD’s to swap or purchase, the member is awarded two credits. DVD’s then cost $0.49 plus one credit. When a DVD is successfully sent to another party a credit is awarded to the sender. Paper back books and CD’s can also be swapped or purchased.

                      11. Book Mooch

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                        Book Mooch is both national and international book swap site. The site works only on a point system. 1/10 of a point is awarded for each book entered. One point is awarded for every book sent and received, three points if sent out of the United States. A point is deducted for every book received, three points if mailed out of the country. The site is free to join, the only cost are shipping of books.

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                         12. Swap Ace

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                          Swap Ace is free to join. Members can buy or trade just about anything, including cars. clothes, electronics, and much more. Bartering deals can be made locally, nationally, and internationally. Services, such as, child care, home improvements, and cleaning services are available.

                          13. Neighbor Goods

                          swap

                            Neighbor Goods is free to join in order to barter goods and services at a local level. List stuff you are willing to share or barter in your inventory, which allows others near you to find what you have. Search for your needed stuff on other people’s inventory lists. Plus, Neighbor Goods helps you track your stuff as you lend it out or are borrowing.

                            14. Trash Bank

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                              Trash Bank is a completely free site to list, barter, or buy just about anything. The site was founded in 2005 by avid traders. Trash Bank users offer testimonials of their experiences to the trading, buying, or bartering services offered. Bargain travel sites, along with valuable e-coupons are part of the services offered on the site.

                              15. Barter Quest

                              swap

                                Barter Quest allows users to barter or bargain hunt for the best price. Simply list what you have and what you want and the database sorts automatically. You will be matched to who has what you are looking to barter or buy. Every conceivable item is up for grabs.

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                                16. Trade Away

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                                  Trade Away is where you can buy, sell, or swap any item for just about anything. Users bid on items, similar to an auction house. Sellers accept the offer that is stellar to them. Registration is absolutely free. Trade anything from antiques to vacation homes.

                                  17. Listia

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                                    Listia lets you earn points off stuff you barter. Earned points then can be used to ‘buy’ other people’s stuff. On this site you can trade almost anything that moves. Joining is free, and you can join with your facebook or e-mail account.

                                    18. Tukar Tukar

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                                      Tuka Tukar is completely free, simply register with a valid social media or e-mail account. Build ‘inventory’ in your virtual garage to start trading, it really is as simple as that.

                                      19. Adal Bdal

                                      swap

                                         Adal Bdal is completely free to join and start swapping. Most traders are in India and the site does request permission to find your exact location. The site was created to let people unload there unwanted stuff for stuff that could be used by someone else. There are many items in which bargain hunters would have a difficult time finding elsewhere.

                                        20. What’s On My Bookshelf?

                                        swap

                                          What’s On My Bookshelf is another barter site for books of all kinds. Users receive one credit per every five books listed. The system uses tags, unlike other sites that require books be placed in a genre. Once a book is sent and received, the sender receives 1 point. Points are redeemed through the user choosing a book and having it sent to them.

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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!

                                          More About Personal Finance Management

                                          Featured photo credit: rawpixel via unsplash.com

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