Smart tips to save money!

In this time, everybody wants to save some money. Some want to by choice, some have to. I will share some tips on how to save money in your day-to-day life. Some are serious, some are with a wink but also a possibility..


Telephone
- Shut off your voicemail, checking it will cost you.
- Call through internet (e.g Skype)
- Load up your cellphone battery at work ;)
- Call and hang up immediately, big chance they will call you back ;)

Save money on house and living
- Always have your house on sale, you never know what someone will give you. ;)
- Put some bricks in the waterreservoir of your toilet, saves you water every flush.
- Do not buy a white couch, they always get stained and have to be cleaned
- use energy saving lightbulbs, this will save a lot of energy all year long.
- Turn your heating down just a few degrees
- Go to bed earlier, saves energy all around

Save on your grocery's
- Always go shopping with a list
- Never go shopping while hungry
- Always ask if there is a discount
- When you go to the market, go late, many things are reduced when the market is finishing up.
- Always cook for more people/ more days and then put it in the freezer.
- Stop smoking (also good for your health)

mortgage and loans

You all must have heard that there are some financial problems in the world? It makes me wonder how it could have gone so far. Well I realized that it just was a disaster what was inevitable to happen. When banks allow people to get loans and mortgage their houses upto an extend, that they would have to pay 2,3 or maybe even more times costs for their loans than they get in through income, things will go wrong! It does not matter how much income you have, when you have more costs than income in the end you will loose each month.

I wonder why banks could have done this? Why do they get people in this trouble? Financial difficulties is one of the biggest worries of people all over the world.

I must say in our country it is managed. Which means, all loans and morgages are registered at one place and each time you want another loan, this registry is checked to see if it is responsible to get another one. They consider income and existing loans and then they take a decision on whether or not you get one. I think it is a good thing.

This said, I believe it is unbelievable that however we do have our finances in order, still we pay for other countries that have difficulties. Like we are punished for their mistakes. Wouldn't it be unbelievable if you would have to pay for your neighbours' loans?

My advise is not to take out any loan and if you do, think about it. Compare rates and read ALL their conditions! Try to make more money than you pay each month and try to save up money!

Also remember even when the downtime with regard to economy is long, there always is a time it will go up again!