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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

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              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

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                    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

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                      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

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                            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?

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                                          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 January 2, 2019

                                          How Personal Finance Software Helps You Get More Out of Your Money

                                          How Personal Finance Software Helps You Get More Out of Your Money

                                          Do you know what mental health experts point to as the biggest cause of stress in the United States today? If you said “money,” then ding, ding, we have a winner!

                                          Three out of four adults today report feeling stressed out about money at least part of the time. People are either worried about not having enough money or whether they’re putting the money they do have to use in the best possible way.

                                          Your money is either in charge of you or you’re in charge of it, there’s no middle ground. Using some type of personal finance software can help alleviate some of that money stress and better allow you to manage your money effectively. Without it, you may just be setting yourself up for constant financial worry. Life is already tough enough and there’s no need to make it more difficult by simply hoping your money issues will all work out in your favor. Hint: they won’t.

                                          This guide will help you to understand how personal finance software can better assist with both accomplishing long term financial goals and managing day-to-day aspects of life.

                                          Whether it’s tracking the savings plan for your child’s college fund or making sure you won’t be in the red with the month’s grocery budget, personal finance software keeps all this information in one convenient place.

                                          What Exactly is Personal Finance Software?

                                          Think of it like the dashboard in your car. You have a speedometer to tell you how fast you’re going, an odometer to tell you how far you’ve traveled, and then other gauges to tell you things like how much gas is in the tank and your engine temperature. Personal finance software is essentially the same thing for your money.

                                          When you install this software on your computer, tablet, or smartphone, it helps to track your money — how much is going in, how much is going out, and its growth. Most personal finance software programs will display your budget, spending, investments, bills, savings accounts, and even retirement plans, levels of debt, and credit score.

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                                          How It Leads to Financial Improvement

                                          It shouldn’t come as a surprise, but people who regularly monitor their finances end up wealthier than those who don’t. When you were a kid, keeping track of all of your money in a porcelain piggy bank was pretty easy. As we get older, though, our money becomes spread out across things like car payments, mortgages, retirement funds, taxes, and other investments and debts. All of these things make keeping track of our money a lot more complicated.

                                          Some types of personal finance software can help make things a little less complicated, setting you up to meet financial goals and taking away some of the stress associated with money.

                                          Even if you already have a Certified Financial Planner (CFP) some type of personal finance software can be of great benefit. Whereas CFPs focus on the big picture of your money, they don’t handle the day-to-day aspects that determine your overall financial health.

                                          It’s also not nearly as complicated as you might think and can take out a lot of the tedium that comes with doing everything on an Excel spreadsheet or with a pad and pencil.

                                          Types of Personal Finance Software

                                          When it comes to personal finance software, it generally fits into two categories: tax preparation and money management.

                                          Tax preparation software such as Turbo Tax and H&R Block’s software can help with everything from filing income taxes to IRS rules and regulations and even estate plans. Plus, there’s the benefit of filing online and getting your refund check a lot faster than if you were to mail off your forms after waiting in line at the post office.

                                          For the purpose of this article, however, will be focusing more on the personal finance software that aids with money management.

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                                          Money management personal finance software will help you to see the health of your cash flow, pay down debt, forecast for expenses and savings, track investments, pay bills, and do a host of other things that 30 years ago would have practically required a team of accountants.

                                          When to Use Personal Finance Software

                                          So far we’ve gone over what exactly personal finance software is and how it can be a benefit to your money. The next logical step in this whole equation is determining when it should be used and how is the best way to go about getting started using it.

                                          Below are four of the most common and practical ways to use personal finance software. If all or any of these apply to you and your money, then downloading some type of personal finance software is going to be a smart move.

                                          1. You Have Multiple Accounts

                                          There’s a good chance that when it comes to your money, it’s in more than one place. Sure, you probably have a checking account, but you may also have a savings account, money market account, and retirement accounts such as an IRA or 401k.

                                          If you’re like the average American, you probably have two to three credit cards as well. Fifty percent of Americans also don’t have loyalty to just one bank and spread their money across multiple banks.

                                          Rather than spending hours typing in every detail of every account you have into a spreadsheet, many programs allow you to easily import your account information. This will help to eliminate any mistakes and give you a bird’s eye view of everything at once.

                                          2. You Want to Automate Some or All of Your Payments

                                          Please don’t say that you’re still writing out paper checks and dropping each bill in the mailbox. While it’s noble that you’re doing your part to keep postal workers employed, we’re 18 years into the 21st century and you can literally pay every bill online now.

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                                          There’s no need to log into every account you have and type in your routing number either.

                                          With personal finance software you can schedule automatic payments and transfers between all of your imported accounts. Automatic transfers will help to make sure you have the necessary funds in the right account to ensure all bills are paid on the appropriate date. Late fees are annoying and do nothing but cost you money. It’s time that you said goodbye to them once and for all.

                                          3. You Need to Streamline Your Budget

                                          Perhaps the best feature of personal finance software is that it allows you track everything going in and out of your virtual wallet.

                                          Nearly every brand of personal finance software out there has easy-to-read graphs and charts that allow you track every cent you spend or earn, should you choose. You might be pretty amazed when you see just how much you spent on eating out last month or if you splurged a little more than you should have on Christmas gifts last year.

                                          Every successful business on the planet has a budget and using personal finance software can help you trim the fat on your spending in ways that affect your everyday life.

                                          4. You Have Specific Goals to Meet

                                          Maybe it’s paying off debt or saving for up something like a European vacation. Whatever your financial goal is, whether it’s long-term or short-term, personal finance software programs are one of the savviest ways to go about reaching those goals.

                                          You can do everything from set spending alerts to notify you when you’re over budget to automating what percentage of your paycheck goes to things like retirement investments. The personal finance software that you choose should show you exactly how close you are to hitting those goals at any given time.

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                                          How to Get Started

                                          From AceMoney to Mint and Quicken, there ’s no shortage of personal finance software apps out there. Many of these programs are free to download and will allow you to pay bills, invest, monitor your net worth and credit profile, and even get a loan with the swipe of a finger.

                                          Other programs may only offer you limited services and will require a one-time fee or subscription to unlock all that they offer. These fees can often vary from as little as two dollars to 50 bucks a month.

                                          It’s best to start off with the free version and then gauge whether you’re able to accomplish everything you’d like or if it’s worth exploring one of the paid options. Often times the subscription programs come with assistance from financial planning and investment experts — so that can be a real benefit.

                                          When deciding which personal finance software program to use, it’s also important to look at how many accounts you wish to monitor. Certain programs limit the number of accounts you can add. Be sure that if you have checking, credit card, and investment accounts to monitor, that you choose a service that can monitor them all.

                                          Finally, when looking around for the right personal finance software that meets your needs, make sure that you’re comfortable with the program’s interface. It shouldn’t be expected that you recognize every single feature instantly, but if the features don’t seem readable and manageable to you, then you’re not as likely to use it and get the full benefits.

                                          Final Thoughts

                                          Personal finance software can go a long way in helping you to take control of your money and meeting your financial goals. It’s important to note, however, that some focus more on budgeting and expense tracking while others prioritize investing portfolios and income taxes. Explore several different programs and read reviews to find the one that’s right for you.

                                          In this day and age, managing one’s personal finances in a secure manner that allows the user to have a real-time visual representation of their money is easier than ever before. With the numerous applications that are out there — both free and subscription-based — there’s no reason that every person can’t take control of their money and ensure they’re making smart money moves.

                                          Featured photo credit: rawpixel via unsplash.com

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