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smart shopper

5 Tips For Furnishing A Home On A Limited Budget

Moving can be a pretty intense experience, but there are few things that are more exciting than moving into a brand new place for the very first time. When you get to finally start building your very own home, all the potential can be a little bit overwhelming. Unfortunately, so can the costs. It’s not cheap to come across all the things that you’re going to need to properly furnish your home, and these days, most of us aren’t exactly rolling around in extra money. If you’re trying to furnish your home on a budget, you’re definitely not alone. Given the behavior of the economy over the course of the last several years, a lot of individuals are still trying to live as frugally as possible. Thankfully, though, this means that everyone is trying harder and harder to come up with ways to do more while spending less. When it comes to furnishing your home, there are definitely a few solutions that can help you get what you need without breaking the bank. These tips will show you how to create your own proper living space without spending a small fortune in the process.

1. Utilize Craigslist. Craigslist might sound tried and true, but that’s because it works. Just about everyone uses Craigslist, or has used it at some point in the past. A resource likes this (and there are plenty of others online, as well) can help you to easily find great deals on used furniture that are right in your area. If you live in a relatively crowded or metropolitan space, you might even be able to find things just around the corner from where you live. Often, things can be found for free on a site like Craigslist, as well. It all depends on how patient you are and how diligently you search through those listings.

February 7, 2013

Shopping

5 Things You Should Always Negotiate

People today don’t seem to have the haggling skills of past generations. More and more consumers are content to pay sticker price or MSRP on everything they buy. Perhaps it’s lazy shopping, or maybe shyness is plaguing our society. Whatever the case may be, it’s time you started learning to negotiate for your purchases again. There are 5 things in particular that you should always negotiate.

The Price of a Car

More negotiations happen at car dealerships every day than at any other kind of business. Cars are very expensive, and a purchase like this is an investment of thousands of dollars and years of monthly payments. Salespeople at the car dealership will typically offer flexibility in payment plans, but don’t forget to negotiate the total price of the car. Your salesperson would rather trim the price of a car on the lot than risk missing out on a sale.

Mortgage Rates

If you ever find yourself on the real estate market, looking for a new home, be sure to take some extra time to find the best rates on a mortgage. If you have a good credit rating, you should be able to haggle for a lower APR. You may also be able to negotiate the elimination of processing charges and closing fees. These may not seem significant compared to the price of a house, but there is a potential for several thousand dollars in savings if you negotiate with mortgage lenders.

February 4, 2013

Shopping

Think Before You Shop – 3 Ways To Save Money

How often do you shop for something that you need? Are you constantly looking for a good deal? There are a lot of people out there that shop even when they don’t have the money and that is why I want to show you a few ways to save money even while shopping. Although this will take some mental power on your part, it is going to benefit you in the long run.

Stick to a plan.

The very first thing you must do if you plan on saving money while still shopping is to stick to a plan. By plan I am talking about creating a plan as to which stores you are going to shop at, how much you will spend at each one and what you plan on buying. The reason why planning is so important to saving money is because it eliminates the amount of money you spend on things you don’t need. A lot of people will spend roughly 15% of their money just on things that catch their eye, so make sure you avoid this altogether.

December 27, 2012

Shopping

10 Great Items To Buy In Bulk

Buying in bulk doesn’t always work. Unless you’re running a restaurant, it’s hard to guarantee that you’ll use up all of a bulk perishable before the expiration date. The cheaper base price can get quickly canceled out – and even completely overwhelmed – by the cost of what was wasted.

This list of smart bulk buys is a safe bet for any household shopper. It includes not just savvy buys that are unlikely to go bad, but also items that are most commonly discounted and give the best savings when purchased in bulk.

November 14, 2012

General

Can Going Cash-Only Really Help You Get On Your Feet?

Getting into too much debt is never a good thing. You need to have sufficient savings and the ability to pay your bills with money left over each month. If you have too much debt, is it a good idea to completely ditch the credit cards for a while? What are the odds that sticking to using cash exclusively will help you change your financial outlook?

Cash Helps You Control Your Spending

Using cash is a good idea because it will help you set limits when it comes to your spending. When you run out of cash, you are no longer able to purchase anything. You also give yourself the opportunity to set limits that may be below what you have in the bank. For example, you could bring $20 to the grocery store when you go shopping. This forces you to budget when you are buying food for yourself this week.

August 31, 2012

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