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Learn These 10 Easy Skills Now And You Can Save A Lot of Money

Learn These 10 Easy Skills Now And You Can Save A Lot of Money

There are certain things that we have to pay other individuals to perform for us. From the dentist to certain construction tasks, it would be less stressful and wiser to consult an expert. However, for certain tasks, like an article of clothing that is damaged or dog grooming that we can perform ourselves and save a ton of money in the process. This not only makes you a wiser individual economically, it allows you to also be more self-sufficient in a time of rising costs and the environmental impact certain acts have. Today, we will talk about 10 easy to learn skills that you need to acquire today to save you money in the future.

1. Website Design

This is by far my most favourite tip to give. Not only because I’m currently working on advancing my programming knowledge, but also because it has both money saving and money making qualities. Squarespace is a website design website I make use of and a separate website for my domain costs. Even with a working knowledge of HTML and CSS, I use Squarespace because I simply love their templates I can tinker with. With Squarespace alone I am paying $120 a year, that’s $10 a month. For those who can program their own website, they are able to make it uniquely their own and can even offer their skills to other people as a way of making money. Code Academy is a great place to start and you’ll need to work toward learning HTML/CSS and Javascript.

2. Cooking

preparing food

    Some reports attest that the average American eats out twice a week, spending on average $10 each visit. Totalling close to $1000 a year when you add in taxes, and almost an additional 50% of that when you factor in taxes. In summary, that is what equates to a round-trip international plane ticket, going down your gullet. While I am not recommending you to stop eating out all together, I still spend the average a year on eating out, if not more, I do recommend you take up the skill of cooking if you are looking to save money. With the numerous recipe applications, articles, and websites out there, cooking is more accessible and easier than you think. With the money you’ll be saving, cooking your own meals every now and then will grow on you.

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    3. Dog Grooming

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      There are certain upkeep costs that require the intervention of a vet when it comes to pets. However, there are many individuals who pay for dog grooming to ensure that nails are kept trimmed or even polished! With some services costing between $20 and $50 a visit, you are simply throwing money into the litter pan with dog grooming costs. Instead, learn to do some of these things yourself. From giving your dog a luxurious bath to keeping up their mane, you will be saving between $300 and $600 a year. Plus, it’ll allow you to connect with Fido.

      4. Clothing Repair

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        Oh no, there’s a rip in your pants. What are you likely to do? Chances are high that you’ll either throw the pants out or do the “frugal” option of taking them to the tailor. But when you think about it, is having someone else repair your pants really frugal when you have two working hands of your own. No it is not, and there are various resources online and show you how to make small repairs to clothing mishaps, preventing you from having to make a trip to your tailor or the local shopping mall. With the average tailor visit costing between $10 and $30, you’ll save $120 to $360 a year repairing on our own.

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        5. Cutting Hair

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          Salon costs are heavily weighed especially on gender. Granted, a woman may request a couple of more additions to their hair bill, including some styling here and there, but for the most part, women pay more in any situation. Depending on the size and location of the city you live in, especially as reported in this Huffington Post article from May of last year, you can find yourself spending between $900 and $3000 on average for maintaining that gorgeous mane of yours. That’s outrageous, and you may want to look into how to give or allow a family member to give you a small trim between less frequent visits. The other hair cost, hair products, can also be reduced as well. Guys, I’m looking out for you all as well (how to trim your own beard and how to cut your own hair).

          6. Walking

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            Taking your car everywhere, even when you have no where to go and just want to go for a ride on a nice Saturday afternoon can cost you in the long run in wasted gas. Instead, look into walking to more places if you live in a neighbourhood that would make this possible. Even if you don’t, if you are on break at work, walk around the city instead of driving to your lunchtime errands. If you do live in a walkable neighbourhood, consider forgoing your car all together. Learning how to tackle your city like a true city person will allow you to let go one of the biggest expenses of all. Forgoing your car results in saving almost $3000 a year.

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            7. Preparing Taxes

            Preparing your own taxes can be so stressful that individuals are willing to shell out on average $261 a year to have someone else do it. While in complicating situations, for example the case of freelancers, it is wise to consult a bit of help. However, if you are a run of the mill taxed American, you will probably find that preparing your own taxes is wiser for you in the end.

            8. Negotiating

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              There are certain countries where a majority of your purchases are set in stone, in other countries negotiating is the way to go. However, in the United States, many of the services that we feel are set in stone can actually be negotiated upon. Chances are, in our society, you’ll find things marked with a price tag, but you can definitely find ways to negotiate in the form of discounts. You aren’t haggling or being a penny pincher by asking if places have discounts for students or other groups you are qualified under. If you have enough proof, your chances of getting some unadvertised percentage off can save you a ton in the long run. All you have to do is learn the art of speaking up.

              9. Car Maintenance

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                As mentioned before, walking can be a great way to save almost $3000 if you forgo your car all together. However, if you are like most Americans and can’t let the keys go, there are ways to save on things like car maintenance. Certain things, like changing a tire or keeping up with your car’s oil are simple and quick tasks you can perform yourself with the right tools and know-how. Maintaining your car yourself, without the need to go to a dealership aside from larger issues and inspections will save you hundreds in the end of the year.

                10. Stay-cationing

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                  Paying hundreds of dollars for transportation, hundreds more for lodging, and eating out are all the components of an expensive but great vacation. However, very few people fail to look at what is to offer in their own backyards (~50 mi). Living in Northern Virginia alone, if I want city fun I can go to Washington D.C, if I want nature, i can go to the numerous national parks, including Great Falls, to take in the scenery. Make use of websites like Yelp or your city or state’s official website. They can offer insight into various activities available to you to enjoy.

                  Grand Total of Savings: ~$3500 – $6000 a year.

                  With the tips outlined in this article, you can find yourself saving a ton of money that can be applied toward a certain item or trip you have been only wishing to partake in for the longest. Let us know in the comments below what you’d spend your personal grand total of savings on.

                  Featured photo credit: 120 Hours via 120hours.com

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                  Last Updated on March 4, 2019

                  How to Use Credit Cards While Staying Out of Debt

                  How to Use Credit Cards While Staying Out of Debt

                  Many people will suggest that the best thing to do with your credit cards during these tough economic times is to cut them up with a pair of scissors. Indeed, if you are already in huge debt, you probably should stop using them and begin a payback strategy immediately. However, if you are not currently in trouble with your credit cards, there are wise ways to use them.

                  I happen to really love my credit cards so I will share with you my approach to how I use mine without getting into deep financial trouble.

                  Ever since about 1983 when I got my first Visa card, I continue to charge as many of my purchases as possible on credit. Everything from gas, groceries and monthly payments for services like my cable and home security monitoring are charged on credit. Despite my heavy usage, I have maintained the joy of never paying any interest fees at all on any of my credit cards.

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                  Here are some tips on how best to use your credit cards without falling into the trap of paying those nasty double-digit interest fees.

                  Do Not Treat Credit Cards as Your Funding Sources

                  Too many people treat their credit cards as funding sources for major purchases. Do not do this if you want to stay out of trouble. I use my credit cards as convenient financial instruments so I do not have to carry around much cash. In fact, I hate carrying cash, especially coins. When you buy things on credit, the purchases are clean and you will not get annoying coins back as change.

                  I do not rely on my Visa, MasterCard or American Express to fund any of my purchases, large or small. This brings me to my golden rule when it comes to whether I will pull out any of my credit cards either at a retail or online store.

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                  I never purchase anything with my credit cards if I do not have the actual cash on hand in my bank account.

                  If I really cannot pay for the item or service with cash that I already have at the bank, then I simply will not make the purchase. Remember, my credit cards are not used as funding sources. They are just convenient alternatives to actual cash in my pocket.

                  Make Sure to Always Pay Off Balances in Full Each Month

                  The next very important part of my overall strategy is to make absolutely sure that I pay the balances in full each and every month no matter how large they are. This should never be a problem if the cash has been budgeted for my purchases and secured in the bank. I have always paid my full balances each month ever since my very first credit card and this is why I never pay interest charges.

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                  Using Credit Cards with Rewards

                  Most of my credit cards are of the “no annual fees” type, including one MasterCard on a separate account I keep at home as a spare in case I lose my wallet or incur any fraudulent charges. However, I do use a main Visa card which does have an annual fee because all purchases on that card reward me with airline frequent flyer points. For me, the annual fee is worth it since I do travel and I get enough points to redeem many free flights.

                  You have to decide for yourself if you will charge enough purchases on credit each year without paying interest charges to warrant a credit card that rewards you with airline points (or other rewards). In my case, the answer is “yes” but that might not be the case for you.

                  I occasionally use a MasterCard or American Express card on small purchases just to keep those accounts active. Also, I have been to the odd retailer that accepted only a certain type of credit card, so I find that having one from each major company is quite handy. Aside from my main Visa card which earns the airline points, the rest of my cards are of the “no annual fees” variety.

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                  So this is how I use my credit cards without getting into any financial trouble with them. This strategy is recommended only if you are not in debt, of course. In fact, it is worth keeping in mind once you’re out of debt so that you can keep your credit cards active and treat them responsibly.

                  What are your credit card usage strategies? Let me know in the comments — I’d love to hear what methods you use.

                  Featured photo credit: Artem Bali via unsplash.com

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