A $mart & Merry Christmas

A $mart & Merry Christmas

♫ Oy yoy yoy ay yay yay! It’s Christmas! Merry Christmas! ♬ Are you walking around singing Baron’s tune all day? Well ‘tis the season for parang, black-cake, and endless food and drinks. But are you feeling a little anxious over the added expenses that come with the festivities? Well you don’t have to lock your door or say you’re sick just to avoid the costs altogether. It only takes a proactive and creative approach

Smart Grocery Shopping

Smart Grocery Shopping

For most families, groceries (and food costs generally) tend to be one of the largest expenses in their budget, so reviewing our shopping habits is certainly warranted to make sure we aren’t allowing wastage.  We aren’t referring to eating less or necessarily buying less food, but this could apply to families that throw away a lot of food.  Instead, we are considering is there anything we can we do differently, habits we can adopt, or lifestyle changes

Save Money by Cooking

Save Money by Cooking

This has to be one of the easiest ways to reduce expenses: buy less food and cook more. Just to be clear, we are not suggesting you should never buy food or eat out; all we are saying is you’ll save a lot of money if it was a once-a-week exception rather than the everyday default option. Why buy? The usual reasons for buying food instead of cooking tend to be: Cooking takes too long We haven’t done

Visualize Your Expenses

Visualize Your Expenses

We hope you’ve read though and applied the advice we provided in The Budgeting Series. In that series of articles, we walked you through in a very detailed way how to prepare a budget. As a reminder, we covered the following: Why do you need a budget How to gather your information How to use a spreadsheet to project income and expenses for 12 months How to create your budget using our 33/33/33 approach Pitfalls

Reduce Expenses By Making Lifestyle Choices

Reduce Expenses By Making Lifestyle Choices

We have the most fun when we write this section. Why? Because we think it could significantly improve the amount most people can save. The reality for most of us is our income is relatively fixed. If you earn a monthly salary, well that’s it. Unless you are promoted, get a salary increase, or find a better paying job, your income is relatively fixed. You don’t automatically earn more by working more – but this could be

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