Perk Up With Free Makeup Samples

Freebie! Freebie! If free makeup samples float your boat, you’ll want to check this info because we are revealing to the world where the best places to get your free makeup samples are.

 

Are you broke? No worries! Get Free Makeup Samples Right Over Here!

 

Let’s get right to it, shall we? Here are the websites you’ll want to troll when you’re in the mood for a freebie or two.

 

  1. Costco’s “Sample Spot”

 

In order to be a part of the Target Sample club, you will need to answer several survey questions. Once you do that, you’ll be allowed to access whichever samples are on promo. Now, keep in mind that there’s no guarantee they’ll have the samples you’re on the lookout for, but, nonetheless, it’s worth checking out on a regular basis.

 

  1. Freebie Sites!

 

These freebie sites here below are, by far, my personal favorites. There’s always new samples added on a daily basis. That means you’ll always have a ton of things to try!

 

Just Free Stuff

 

FreebieShark

 

Free Stuff Finder

 

About Online Freebie Samples

 

Here’s a ProTip: DO NOT EVER use your primary email address to claim freebies. This helps you avoid pesky (and ridiculously annoying) SPAM. And, for security reasons, don’t give out your real birthdate either.

 

  1. P&G Everyday

 

There have been some really nice samples that we received from them. I like the fact that the P&G sample and coupon choices change frequently.

 

  1. Pretty Thrifty

 

Your “Inner Glamazon” will hearken to this phenomenal website. With an impressively comprehensive list of the newest beauty freebie world deals and steals, this site is without a doubt, worth visiting regularly.

 

  1. Oh Yes, It’s Free

 

Looking for an all-inclusive, up-to-date website with a full list of deals and steals? The IT’S FREE website dropdown menu lists the newest and best Free Makeup Samples by mail. They show all of your favorite brand’s beauty freebies, as well as some more current brands you may be thrilled to discover.

 

Is Your Baby On The Way? Here’s How You Can Manage Everything On A Budget!

Having a baby is the most special thing for a woman and no one likes to worry about finances during the best time of their lives. Babies are usually considered to be a gift but an expensive one by most people but it’s entirely up to the parents that how much they spend on their baby’s first year. According to a survey carried out in the UK on an average, parents spend almost £1,000 on their new baby while 5% parents even spend above £3,000.

Keep an eye on your finances before and during pregnancy
The process of saving money should be started as soon as you’re thinking about bringing a new life into this world and starting your family. These saving can help you avoid lower fiancés because of the maternity leave or one of the parents giving up work to raise the kid. Life becomes pretty hectic after the baby has arrived so it is always a good idea to plan ahead. Find out what kind of entitlements you can get, there might be childcare vouchers offered by your workplace or tax credits that you could claim. Get the best out of your parental leave because once your know how much you’re going to spend each month after the baby is born, for the whole year – you can manage your finances and budget accordingly.

Get useful tips from parents who’ve been there
When you’re about to become a mother, you want to get your child the most luxurious and expensive items of all that are of no use after a year or two and in some cases 6 months max. So before you make any unnecessary expenditure, sit along with your friends and family who’ve been through the whole “new mummy & daddy” stage. You might not just get useful tips and advice but also some useful baby care items and stuff like strollers or clothing that you might be of some great use. Your mum could be an ideal adviser in this scenario. You’d want to ask questions like what is important and what would fit your lifestyle better. Improvise!

Make friends with other new parents
It can be one of your greatest help and achievement if you become friends with other parents who would be going through a similar time in their lives. A lot can be done by this union, you can bulk shop various baby care products and clothing which can help you save money, take maternity classes together and once the baby has arrived, a beautiful thing called ‘play-dates’. Said enough!

Always buy ‘new’ when ‘necessary’
They grow fast, like really, really fast. So whatever you’re buying for them out of your sheer excitement and emotions, is going to waste after a couple of months if not years. You can look for lovely new baby equipment online; take a visit to the charity shops or maybe NCT sales. You would only have to pay a fraction for all of the products that you would otherwise end up spending a lot on, and you might also get away with some of the items for free. Most of the items that you will come across will barely need a scrub. Only make new purchases on items in which safety risk is involved.

Don’t forget: There will be gifts
Once the baby arrives, tons of gifts from friends and family come along with it. These gifts usually range from clothing to toys and strollers, enough for you to not think about baby shopping again. If there is a gift item that you don’t need or if there are too many of them, you can easily exchange them for something else that you might need. In the case of clothing, if you’re going to exchange, go for a bigger size that would be a perfect fit as the baby grows.

How to Become a Product Tester

I’ve been set on a mission to take part in as many product testing organizations as possible to discover the best. It’s one of those pastimes where you receive what you give. If you have a little bit of free time available and you like analyzing products, go ahead and read on.

What Is Product Testing?

Brands utilize product testing organization to receive truthful and unbiased remarks regarding their latest products. The organizations choose those within their member bases that are most suitable to that particular product and propose them to join their “campaign”, “project” or ”programme”. The fortunate chosen ones will get the products via post and they can then get on with the testing and reviewing.

Often, it is expected of the participants to get the message out, by composing reviews, taking pictures, composing conversation reports, tweeting, Facebook posts and composing blogs. You are more important for the product testing company if you complete more activities.

If you are excited by the idea of testing new things, creating a difference to the customer market and also receiving free stuff, contemplate joining some of the organizations below.

These all organizations are free to join.

 

Which Ones Should I Join?

BzzAgent:

With the entertaining and unscattered outline, BzzAgent is one of the easiest products testing websites to utilize. I am relatively new to the BzzAgent and have participated in only one campaign until now: The Sure Women Deodorant BzzCampaign.

BzzAgent stresses on maximum participation by giving various ranks to their members which starts at Solitary Bee and ends at the Sweet Bee title. Every activity you finish (a tweet for example or a posted review) will get you a honeycomb that pushes you a step further towards the next stage.

Previously campaign have been centered on Burt’s Bees Skincare, Tonka XT Toy Cars, Glade scented candles and Hill’s Science Diet Pet Food.

 

TRND:

Recently started in the United Kingdom, TRND helps product testing projects for various perfumes, chocolates, gadgets and a lot more.

When you write a report, you receive a personalized response from one of the “trndsters” at HQ, appreciating you for your input. You will also be rewarded with wombats for every report and you can keep tabs on them from your “mytrnd” page. I believe that the reason behind this is to show you and TRND how much effort you have invested in your campaigns.

I participated in the first UK campaign that was regarding 007 For Her. My packet had a 30 ml perfume bottle, loads of samples, questionnaires and the project booklet. I dived right into it writing a review on amazon, composing conversation reports, composing a post on my personal blog and uploading numerous photos of my friends and colleagues giving the new scent a try.

 

Tesco Orchard:

This is Tesco’s dedicated product testing board providing its members a chance to experiment their new items. They send out coupons that can be reclaimed in stores. Testers normally get extra-money off coupons to give their friends and family too.

I received two packets of their Tesco Finest Pasta for absolutely free by utilizing a 3.40 coupon courtesy of Tesco Orchard. As a part of their programme, I composed two reviews, tweeted and composed two conversation reports too.

They have initiated two other campaigns since then, one is for steak while other is for ice-cream. Unfortunately I was not given an invitation to participate in either of those! I have been given the opportunity to be a part of the Tesco Summer Berries and Cherries programme though that doesn’t sound too bad.

 

The Insiders:

The Insiders is a group that has its network spread across Europe and helps in marketing of different products. Some past campaigns include Carte Noire Coffee Capsules, Purina Pet Food, Unibond Moisture Absorber and LePage Superglue.

By finishing the activities, the testers are awarded with points that can be traded for cash. This is genuinely a good deal as not a lot of other authentic testing organizations give money on top of free products.

Presently, the project is about the LG G4 smart phones. The Insiders are recruiting 200 people that want to test out the phone but you are required to return the phone as the duration of the campaign ends. A 250 caution is asked of you that mean you give your bank details and consent that you can be charged upto 250 in case you damage the cellphone or do not give it back at the end of the campaign for any reason. This left a bad taste in my mouth so I did not go for it.

I haven’t joined any campaign with Insider yet but I have an eye out for any campaign in the near future.

 

Savvy Circle

This is the VIP product testing team inside SuperSavvyMe. Sign up with a free account with SuperSavvyMe, only then you would be able to qualify to join SavvyCircle. Every now and then, new campaign is released and you will be updated about them. Register for the ones that you are interested in and await their response to see if you are in. The products are always by Product and Gamble.

I was invited on my first campaign fairly recently and I got my free package too which were two spray bottles of Viakal. The package also included a project booklet. My bathroom and kitchen will be spotless clean while I get on with the review.

It is encouraged that testers leave their remarks and upload photos regularly on the project blog and also compose conversation reports and reviews.

 

Other Product Testing Clubs and Companies:

Numerous brands have developed their personal dedicated testing clubs. Following are the few examples:

Lush – Your shot at trying out scented body products for absolutely free. You can email Lush and request to be on their waiting list.

Schwarzkopf – Keep an eye out as they publish an ad every now and then when they are recruiting for their VIP Testers club.

Boots Review Panel – Fill in your details for your shot at being accepted and becoming the part of the panel and get new health and beauty items.

St. Moriz VIP – You can be the first to use St. Moriz self-tanning products even before they are available in stores by providing your details on their website. You will be registered for their mailing lists but you will be required wait a little before you get the news of free products to test.

If there is some product that you are really interested in, look for the contact details and email them directly requesting information and asking if they run any product testing initiative.

 

How to Excel:

1 – Enhance your chances of getting accepting on a project by completing the maximum number of surveys as possible.

2 – While on a campaign, take part and be as active as you possibly can to demonstrate how good you are at getting your message across.  This will enhance your chances of getting accepted onto other campaigns.

3 – If you have a personal blog, a Twitter account and a lot of other social platforms, it will give you increased chances of participating.

4 – Don’t go around accepting the offers that you aren’t interested in. You will only waste your time in those. Wait for something that excites you and put all your efforts in that project.

5 – Maintain highest level of professionalism. Keep your grammar and spelling accurate and photos nice and meaningful. Few brands will utilize quotations and pictures provided by the testers to market their product.

 

Be careful of Scams:

If a product testing organizations requires a membership fee, think if it worth it. There are a lot of, free of cost, reputed organizations accessible so paying to be a part of one is not necessary.

Scrutinize the company’s privacy policy. If there is a note which says they might share your information with third parties, don’t register. You will get so much spams and marketing emails that would be next to impossible to put a break on. As they say “If it’s too good to be true, it probably is”. Gifts like iPhones and expensive coffee machines suggest that the organization is just using expensive gifts as bait to lure people in.

 

Try it for yourself:

If the post sparked your interest, register for one of the above mentioned product testing yourself. Keep in mind that you answer maximum surveys to enhance your chances of being accepted. Most importantly have fun with it. You can leave your comments in the box regarding your product testing experiences.

 

 

 

How To Get Your Hands On The Best Free Stuff

Between the cost of living and the flat economy, many more people are looking for free stuff to furnish their homes and lives, or perhaps to sell on a website or at a flea market. If you’re determined to get your hands on the goods, at no charge, read on!

The Classifieds

Right in your neighborhood, there are people looking to unload all kinds of free stuff. They will likely put an add in the local paper, indicating what the items being given away are and when and where someone could pick them up. Be the early bird, to get this worm, though, as you’re not alone in your search for free, usable stuff. Call right at nine in the morning, unless the add gives you a specific time to reach the person. Otherwise, you are likely to be told that the free items have already been given away.

Online Sites For Recycling

People are, by nature, resourceful. They know that landfills are spilling over and that good items can still be used by others. Look online for these sites and see what you can find. The site should list items by category, so if, for example, you need a new bike for your little one, try searching “toys” or “bikes”. You will need to sign-up, but don’t give out too much of your information unless you’ve done some research on the site. An email confirmation is all you should need to search, but different sites have different rules regarding direct contact between individuals. Also, some online places might allow you to trade goods, so be aware of what you have in stock in your own garage or basement, in case a fair trade can be made.

Yard-Sailing After Hours

Right when yard sales are pulling in the tables, you can probably score a load of free stuff. The sellers have likely been out all day trying to hawk their goods, but once they close up shop, they’ve got to pack everything back up or take it in the house. To avoid such a hassle, many simply start to give the things away at no charge. Roam around the streets of your neighborhood during the day on weekends, looking for yard sales. Take not of the hours of operation posted on signs, then show up a few minutes after closing. Be discreet and polite, and you could score big!

Pull Up A Truck

If you’ve got a vehicle good for hauling, consider how cleaning up a site could benefit the owner, along with all the free stuff you might get in the process. Landlords and other property owners don’t have time to sift out items of value from loads of junk, so if you offer to haul it out, you inherit everything, lock, stock and barrel. Choose your assignments carefully and bring a friend along. You obviously don’t want to waste your time or throw your back out, but there are endless sights in need of quick clearing out with unlimited potential for fantastic and free stuff.

Finding free and useful items is very gratifying, and if you’re diligent and careful about it, you could quickly furnish your home or stock up on things to sell yourself. Develop a good eye for judgement and look in all the places listed here. Chances are good you’ll score big!

Planning to set up a review blog? Here is how!

Underneath are a bunch of questions answered by one of my friends who has a successful product reviewing blog running by himself and he is happy to share with us his valuable knowledge gained over years of experience.

What is in it for the blogger?

Yes you may have a couple of good reasons yourself but read on to find a more thorough perspective.

Original content

When you write about your thoughts and perspective of a product you generate original content. You become the supplier of useful information. That is something valuable for both the reader and the blogger.

High search engine value

There are multiple reasons to say so. i) Quality reviews attract more readers ii) when you write reviews you automatically use different key words that have low competition, so a good purpose is served for you indirectly without any extra efforts iii) with the passage of time you’ll have an elaborate collection of Search Engine friendly content and last but not least iv) other than people who read reviews to gather information prior making a purchase, there is a huge target audience for product review websites, forums and blogger and email senders that will provide link to your review in their posts.

Expand your earnings

The advertisement that you placed on your website can be of further use if you want to increase your income. Review that very product and place the associated link at the bottom. Keep it honest so that a review can keep its originality from the advertisement

What is in it for the companies?

 

Durable advertisement

A promo published in a magazine has a short life span. As soon as the next edition gets published the previous one is trashed. Your website will contain their product review for as long as it exists. Not only will the readers keep seeing it on the search engine archives also you’ll link back your fresh posts when needed to the old ones.

Cost effective advertisement

It costs the company almost nothing. All they have to do is send the particular product and the costs of reviewing writing software conversion and uploading etc. are all on you. You get there word out and get paid in the form of a single piece of their product.

Stay current with the audience

The whole retail game is turning online at high speed and an online review is right where there are buyers and hence a sale.

How to receive a product to review

If you are a beginner (which you probably are since you are reading this post) you would have to keep your patience.

Find a pattern

Carry out a thorough research and look for the companies in your niche that get their reviews done on every website. You are more likely to get a response from them. Especially pay attention to their products that are not as much reviewed.

Contact the company

Email should be your primary focus but snail mail and fax are not to be ignored either. Once receive a response keep in touch, keep the whole conversation updated, show you are serious about your business.

What a good review is like?

Properly outline the audience that’ll be benefited by the product also those who are not as likely to be benefited.

Keep it honest and detailed discuss all the aspects based on facts and not just the good ones. In reality nothing can be perfect.

Important note

Never forget to mention the freebies. A full disclosure is important legally and ethically.

 

Top Free Boxes of Samples Hotspots

Get Boxes Stuffed Full of Awesome Samples for FREE in the Mail!

Who doesn’t love getting free samples in the mail? Well, imagine getting box-loads of them! Chalk-full of coupons, free samples, and sometimes even full-sized products. Yes, it’s all free, but, you’ll need to do a little easy legwork for them, like writing reviews, filling out forms, or even just tweeting. Quick! Check out these top FREE boxes of samples hotspots:

 

1)  PINCHme

A good place to start is PINCHme. This free sample program ships out boxes of their customizable products on a monthly basis. Simply fill out a profile, so they know exactly what your preferences are, but make sure to answer all the profile questions to maximize your chances of receiving as many free samples as possible.

An interesting option they encourage at PINCHme is to submit feedback on their sample products. In doing so, you increase the likelihood of receiving even MORE free samples in the future.

 

2)  Influenster

Are you a social butterfly per chance? We have one word for you: Influenster. Their free stuff program is simple: the more social you are, the more samples you get. That means, the more a person talks about and shares information about their boxes, the more free sample boxes they’ll end up receiving.

The cute thing about Influenster is that their boxes always have a feature product or theme. Their ever popular, ever clever, “VoxBox” celebrates a specific theme, holiday, or season. How fun!

All you have to do is write reviews about the products you’ve tried in order to get some free sample boxes. Once your box arrives, you can go online to complete certain tasks. Increase your chances of getting more of their stuff by continually completing those tasks.

 

3)  Smiley360

Go on a Smiley360 “mission” by sharing on social media all about their boxes of free full-sized products and samples. Again, you’ll need to fill out a profile as they base what you receive on your likes. Smiley360 also sends out surveys you’ll need to complete for further missions. Accept your mission and receive an awesome box full of free stuff! Remember, more surveys equals more missions, which equals more stuff!

 

4)  BzzAgent

BzzAgent wants you to spread the “bzz” about their freebies by sending you their sample boxes. Be in the know by checking out their site frequently and fill out any available surveys. You can also be deemed a “good match” for one of their sample boxes, which they’ll send right over.

There will be some tasks to complete once you receive your BzzAgent box in the mail. It varies from posting on Twitter to talking about their products to a buddy in person. Increase the “bzz,” increase the boxes.

 

5)  House Party and Chatterbox

In my opinion, the best place for freebie sample boxes is House Party and Chatterbox. They’re super easy to get, and they don’t oblige you to share online about their stuff.

House Party wants YOU to have a party by giving you their free stuff to promote a service, product, or, GET THIS, even a T.V. show! That box can contain anything from decorations, samples to hand out, products to try, and loads of other cool stuff to make any party a blast.

With Chatterbox it’s slightly different. No party is required. Instead, they just send out their boxes of freebies for you and your friends to try. Ordinarily, it comes with coupons to pass out as well.

 

6)  SampleSource

SampleSource sends out their free sample boxes quarterly under their sampling program. It’s a bit hush, hush, though. You need to sign up with them to be notified as to when you can order them since they do not advertise when they will be available.

Register over at SampleSource, it’s easy, and request information on their boxes. Normally, once you order them, they take just a few weeks to get to you.

Online Freebies

Everyone loves free stuff. This is something many companies know very well. Finding freebies on the internet can be easy and enjoyable. Usually these freebies fall into several categories that will help you track them down.

There are many sites such as MegaFreeStuff and ilovefreebies out there. These websites track the latest freebies and tell you how to get them. These sites are usually run off of user submissions and due to their popularity the freebies do not tend to last very long.

The next type of site is reddit or other forums. Here users submit their freebies and they are instantly viewable. You can usually subscribe to these sites to get information directly to your email and get the most of the offered freebies.

Most of the freebies offered on sites like this will be physical items of coupons. You will need to be comfortable giving you address to the companies offering these free promotions to get access to them. This is actually what you are trading to the companies to get your free items.

I have received everything from food to full sized shampoo and conditioner from these sites. My favorite thing to receive is children’s book which scholastic and other companies offer on a regular basis. On reddit some users swear they haven’t had to buy a t-shirt in years because of promo t-shirts.

The next type of freebie site are sites that give away samples on a set schedule. Samplesource and Pinchme are good examples of this style of site. You sign up for these sites and generally get an e-mail when they have items to give away. Often they ask you to review the items that you receive in return for shipping them to you.

Sites like this are usually first come first served and they sell out rather fast. Improving your profile or giving lots of feedback can give you a better chance at receiving free items on these sites with minimal effort.

Sites like recycle bank give you free magazine subscriptions. These sites ask you to watch short videos, click through slide shows, or visit the site on certain days to get points you can use towards subscriptions. These sites actually give you the most choice out of most freebie sites. You can choose which items you want and when you want to get them making them a good source for gifts and the like.

You can also get e-books, apps, and other online items for free. Reddit and other sites often track these items as they go up for free letting you know when to grab them. These are usually limited deals that last a day or two and let you pick up an item you have been looking at for a while.

If you are a regular internet user getting freebies is easy and can be fun. With so many options out there you can ensure you have a steady source of free items without too much work. Even the items that ask you for reviews usually take less than 2-3 minutes of your time.

Some Legit Habits of Spartan People That Count

Spartan or Frugal people are one of the happiest people because they are living their life very economically. As the world is inching towards poverty Spartan or frugal people are those who are living a happy life. Today I am writing some of the habits of Spartan people that can be beneficial to you in a way. These people have a different perspective of money and they spend in a way that is much different from a regular person spending. These people adopted these habits after they have faced tough times or some of them are inherited by it. If you are ready to adopt these habits you can achieve your financial goals faster than you ever thought.

1- Sacrificing Quality

There is a big difference between being Spartan or Frugal and being cheap. People usually mix them. When it comes to quality, cheap people sacrifice it every time but for Spartan people they only do it when it make sense.

This can be taken in a way that Spartan people will not sacrifice for quality when they are going to buy the things that have a long term usage because if you buy cheap items that you would have to use for a longer period of time then you will end up by spending more money.

While you can sacrifice for quality if you have to use the item on short term basis and if they quality is not needed. For example there is no need of buying expensive stationary for your kid as the cheap one will also serve the same purpose.

It could take time to learn that on which thing you can make a sacrifice of quality but if you do so you can save a lot of money in a month.

2- Say “No” To Themselves

One of the best habit that Spartan people have is that they usually tell themselves “no”. They simple are disciplined enough to tell themselves to buy the things and services they need or the one’s they do not need. Now a days, people are driven away by their desires and they cannot say no to themselves and mostly they end up by disturbing their budget. In the past you would have to work for spending your money as you would have to travel to the restaurant or mall to eat and buy the thing you desire for. But for now with the convenience of online shopping and home deliveries you do not have to do any work in order to spend your money it has become much easier to fall for your desires and just by your mobile you can easily end up disturbing your budget.

 

Here the frugal people don’t fall for their desires they give themselves the time and think about the purchase they are going to make as it they really need it or not. Before making a purchase they think about it that will the purchase makes a difference to their lives? Will they improve their life with that? What value it is worth? By asking these type of questions and thinking of it they help themselves to say ‘no’ to un-necessary items most of time.

Telling yourself ‘no’ is not an easy task if you are not used to it but you can make this a habit by thinking and visualizing of the changes that it will make in your life. For example you could be lured to get a new car and you are going crazy for it as one of your friends also have that new car but when you will think about the changes that you will make like you would have to pay a $500 monthly to afford that car. If you would think about that you will be able to say ‘no’ to yourself.

3- Cost Conscious

Spartan people are very cost conscious. By cost conscious I do not mean that they buy cheap things or they do not buy the important things they require by that I meant that Spartan people think a lot before buying something. They know the price of the product they usually buy and never buy a thing on more than of its usual price. These people always look for sales and whenever they find a good deal they buy it. It does not affect them that they are buying a used items if it is making a good deal.

For example If a Spartan person is going for a grocery shopping he would definitely look for sale or find the store with lowest prices along with that he will use coupons to maximize his savings. To save more he will go for generic than the brand. These little things could help to save a good amount in the grocery budget.

These people think a lot before they buy an item. They ask themselves that whether they need that item or not or for how long they need that and is it necessary to buy the item than to rent it or to take it from a friend. Asking these questions can help you to save a good amount of cash. These people spend smarter to make maximum savings.

For example if they are on a vacation they would try to use AirBnb instead of a traditional hotel and save a big amount of dollars. They would not go to a cinema for a movie and instead of that they would watch the movie at home with their friends.

4- Save Consistently

One of the best habit of Spartan people is that they are consistent about money saving. They take savings as serious as they would take a bill to be paid and they set up automatic transfers in to savings account every month. Spartan people have an ideology of paying themselves first. This means when they set up a budget they first decide the savings and puts money in the savings account on priority.

These people set up high yield savings accounts and put money every month while every other person spends first. They put money in the account and forget it that means they follow the ideology of set it and forget it. This help them to reach their financial goal prior to the time they have decided for themselves.

5- Value of their Money

Little things when add up makes up a big item this goes same for the money as when a lot of pennies add up they become dollars. One of the thing that Spartan people do is that they value their money to a single a penny. You would be amazed to know the amount that you spent while just saying that it is just 50 cents or its 2 dollars only. Things like that could end up in disaster and you could end up by taking loans and destroying your budget.

It makes a huge difference when you values your pennies as you value your dollars. This helps you to save more money and you do not end up in a debt. You could save your pennies by placing a jar in your house and after some time you would see that the little pennies that you seem worthless are joined up to become a good amount that you can use.

You can also take this habit and start putting some pennies and dollars on daily and weekly basis in your investment and debt accounts. It won’t make a difference in a single attempt but you would do it for a month or so then you would be able to see the change that it makes.

6- They Repair Before They Buy New

One of the thing that Spartan people do is that they do not rush to buy new things if the old one got damaged. They work to repair the things and help the things to last for a long time so they would have more time to buy a new thing and they would not have to buy the things in a hurry.

Many a times the things get faulty and we need to repair them or get a new one. What a normal person would do is that he will rush out for a repairmen or will either buy a new one. Spartan people are not like that they do not rush to buy new things and they tend to repair the item by themselves by this they save a big amount of money. Sometimes the outer surface of the product get damaged and it has nothing to do with the working of the product. Many people just tend to buy new items for the sake of appearance but for Spartan people appearance does not matter.

7- Frugal Fun

You does not need a big amount of money to have fun. Spartan people have ways to have fun that does not need money or a little amount of money. Instead of going to the cinema or a restaurant they would spend a day at the beach or would go for hiking or a walk.

Spartan people usually go for these activities and save a lot of money in their entertainment budget.

 

These are some of the habits of Spartan people that really count and help them live within their budget. Make sure you adopt these habits so that you could also save money. Do comment in the comment section below and also share your experience of savings money. Have a good day!

The Famous Dave Ramsey’s 7 Baby Steps

Dave Ramsey is a famous businessman and a financial writer. He has written many books but he is famous for his 7 baby steps that help people to get rid of debt, to become financially stable and to build wealth for them and their family. So today we will discuss about Dave Ramsey’s 7 baby steps so that you could get off your debt and could build the empire you want. By following these 7 steps many people around the world have paid off their debt and now are able to live a life where they don’t have to worry about money.

Before starting these 7 baby steps you should make your mind clear by asking yourself a question that why you want to do this? Everyone has its own reason for following these steps so when you want to take a start the first thing you must be doing is that you should be asking yourself this question and then you will be able to follow and complete these steps with a motivation.

One thing you must keep in mind is that you won’t be able to complete this steps in nights. According to Dave it will take at least 7 years to complete these baby steps and this will test your determination many times. In these 7 years, there will be a lot of difficult times when you will think to put these steps aside. But these are the times when your why’s will help you. In these times you should remind yourself that why you were doing this and this will motivate you and help you to get back on the track with full enthusiasm.

Now let’s start these 7 baby steps one by one.

1-Emergency Fund of $1000.

So the first baby step is to save $1000 as an emergency fund. I am sure you will be amazed that the first step is not about paying debt. Having an emergency fund has its own reasons that could help you in many ways. Instead of increasing the amount you are paying for debt, you will be saving for an emergency fund and for this Dave has a reason that is that many a times you get in to situation where you need cash in big amount. It could be a car repair or home maintenance that is necessary to be done. So in that case when you will need a big amount of cash and then the only way to pay the cash will be taking more debt. But if you have this emergency fund then you will not have to take debt and you will be able to pay off the cash from your emergency fund. Dave thinks that when you are paying for debt these type of unexpected expenses come more often. So whenever a situation like that arises you should pay the cash from your emergency fund and then again save till it reaches a 1000 dollars. This could help you to develop a habit of saving and will train you to counter these unexpected expenses.

When your emergency fund is completed you can increase the amount you are paying for debt and by this little step your credit card balance will go down eventually. Another important thing that you can do is to open a savings account and save your $1000 in that so that you could also earn some extra money on that by the time you are paying off the debt.

2- The Debt Snowball

The Debt Snowball is considered one of the famous and easiest method to pay off the debt. This method is very interesting and will keep you motivated towards paying your debts off quickly. Paying the debts according to the highest payments could help you save money but this Debt snowball method will help you to be motivated and paying the debts quickly and easily. By this method you will get some wins in the start and it would make the journey much easier for you.

First you will have to make a list of all the consumer debts that you have to pay from the smallest one to the biggest one in an ascending order. Now you will have to pay the minimum amount that you could pay for all the debts expect the smallest one and for the smallest one the thing you should do is to put up some extra cash in that payment and increase the amount that you were paying for that. This will help you to pay off the smallest debt quickly. Now after you have paid the smallest debt fully, you should move to the next smallest debt and for that you should pay the maximum amount and also add the amount that you were paying on the previous one too. By this you will be able to pay this debt quickly too. For the other debts you should pay the lowest amount. By following the same strategy for the other debts one by one and adding all the amounts you were paying for the previous debts you will be able to pay that debt quickly.

So as you saw it is easier to pay the smaller debts quickly and these quick wins can keep you motivated towards your goal and when you will mark fully paid on the list it will help you strengthen your faith that you could pay the others quickly too.

3- Increase The Amount of Emergency Fund.

Now as you have finished with your debts other than the mortgage, you should not fall in to the lure of buying new things and waste your money on that. For that Dave tells you to increase your emergency fund and put the money you were spending on paying the debts in to your emergency fund. In the step 3, your fund must contain that much amount that you can use up to 3 to 6 months for your household expense. This fund will act as a protection for you and your family because if you get in to a bad situation like losing a job or a damaged house. If you get in to situations like that this fund will help you to not get in debt again and pay off these expense by cash from your emergency fund. This routine will help you to learn the art of saving money and you will be able to save more by the time.

4- Retirement Saving

The 4th baby step of Dave is to maximize your retirement saving by putting your 15% income to retirement savings account. Now as you are finished with the first three steps and you don’t have any debt now and you also have an emergency fund for 3 to 6 months. Now it is the time for you to invest for your golden years. Dave asks you to invest 15% of your income to the retirement savings account and you can do that easily as you do not have to pay any debt now. This could help you to retire early and make your future life more comfortable.

5- Building your Kid’s College Fund

The 5th important baby step that Dave suggest to you is that you should build a fund for your kid’s college. For many parents it is an important thing to send their kids to college and universities for higher studies and if it is also important to you then you should also save money for that too as it is not easy to pay a big amount for your kid’s college. One thing that Dave has cleared that the college has nothing to do with the success of your kid. So it is important to know the benefit for you kid while you are paying a big amount. By this you will be able to afford your kid’s education easily.

Other than that you could also consider some alternatives for your kid’s college and it will help you to save a big amount. Your kid could be happy to do a trade over a desk job so you should also consider a trade school for your kid as they are much cheaper and your kid can also get high paid jobs. You could also help them look for scholarship as you can get many. Other than that community colleges can also help to take many courses and they are much cheaper than the universities.

6- Pay the Mortgage

The 6th baby step of Dave Ramsey is to pay the home mortgage completely after you have paid the consumer debt. After having an emergency fund, being consumer debt free and also saving for your retirement and kid’s college. The next thing you should be doing is to get rid of the last debt that you have to pay is and that is the mortgage. The amount you were spending to build an emergency fund and paying for the consumer debt should be used to pay the mortgage quickly. To make if faster you should all the unexpected and unusual incomes like bonus or tax refunds in to mortgage payments. After paying the last debt now you are free and able to move in to the last step.

7- Building your Wealth

Now as you are free man and you don’t owe a penny to anyone now it is the time for you to build your wealth. You can build your wealth by investing the money in real estate or stocks or in to mutual funds. You can also put your money in to high yield savings account. You could use this money to fulfill your dreams and could live the life you wanted to live. As this is the final step and you don’t have to pay anyone now.

 

So these are the famous Dave Ramsey’s 7 baby steps. These steps have helped many people around the world to pay off their debt and build a wealth. Do comment in the comment section below and let us know how motivated you are to follow these steps in your life.

Have a good Day!

Top Sites and Apps Like Quicken this Year

Quicken is one of the oldest and famous system software that has helped millions of people to organize their finance in a better way than before. It was launched in 1983 and it change the way people organized their finance as it allowed people to make budget on the computer and record their transactions on a computer for the first time.

Now as the time has changed so the requirements of people also changed and these apps and software has updated them with time. But with the passage of time Quicken is not the only one in the market now. Many companies has launched their software and apps that are helping people in managing their financial issues. So today we will discuss about some of the alternatives to Quicken and their features. Although it is been a long time that Quicken is in business but many other companies are also now giving competition to Quicken developers.

So let’s start,

1- YNAB

YNAB stands for You Need a Budget. YNAB was founded by a college student in 2004. You Need a Budget basically emphasis on three main points. The first one is to stop living from paycheck to paycheck, 2nd is to get out of debt as soon as you can and the last one is to save money. These points are the main theme of this site and the site helps you to achieve them. You can make an effective budget here by which you will be able to complete your month with in your paycheck. One of the difference of this site from others is that they help you plan for unexpected expenses and budget fails so that if you come across with one you can easily tackle them. By their effective plans you will be able to get out of debt and would be on the track of saving money. You can take a trail of one month for free and then you have to pay a fee of $7 per month.

2- Mint

Mint is another famous financial app with 15 million users around the globe. This site helps people to make and organize a budget, track the spending and categorize it. You can check your credit scores and your investment on this site. Basically the main theme of the site is to enable you to manage all your accounts on a single place. Mint is a very user friendly website with a number of features and one of the best thing about Mint is that it is completely free and you won’t have to pay any fee for any feature. One of the things that you would have to face is that you would have a lot of ads on this website as the only way of income for them is the ads and the services you get from the ads.

3- Tiller

Tiller is another simple financial app that helps you to organize your income and spending in a simple way. This site was also known as Tiller Money and is in business since 2014. You just have to link your bank accounts and other accounts with Tiller and then it will automatically track your transactions on a spreadsheet. This is a very easy method of organizing your expenses. On Tiller you will have to pay a fee of $59 per year but you can take a trail of this site for a month for free.

4- Personal Capital

Personal capital is one of the famous app nowadays people use to manage their finance. Personal Capital is in business since 2009. This is a multi-function software that comes with many features at the same time. This software enables you to manage your all the accounts at the same time on one place. This is a very user friendly platform where you can track your all accounts like credit cards, bank accounts, loan accounts and investing accounts.

On this site you can check your net worth and check your assets at any time. You can make a budget for yourself and track all your spending on this site for free. All these features are absolutely free and the only fee you have to pay is for the wealth management feature that enables you to manage the investment accounts and the fee is 0.89%. But if you have more than one million in your investment account then your fee decreases.

5- Every Dollar

Another alternative to Quicken in this year is Every Dollar that was developed by the team of famous finance expert Dave Ramsey. You can make budget online and you can also set a goals according to the famous Dave Ramsey 7 Baby Steps. According to the website you can make a budget in only 10 minutes and you can zero sum budget which says that you must appoint every dollar a job and when you complete your budget there must be nothing left. This does not means that you should waste money but it says that there must be no dollar left to waste and you should put some amount in the savings section, some in the emergency fund and rest in the other sections.

You will have to link your accounts with Every Dollar, so that it can automatically track your spending and keep a check. The fee for this is $99 a year but if you want to use this site for free then you will have to manually enter your all transactions.

6- Good Budget

Another app like Quicken is Good Budget which will help you to make a budget based on the cash envelope system. This system says that you should make an envelope for every category in your budget and on this site you make cloud based envelopes. You have to link your bank account with the Good Budget so that it can track your spending and could let you know how much amount is left in each category for you. There is no fee for first 20 envelopes and you can use this free account on 2 devices that means you and your spouse could easily check at any time that what amount is left in each category. But if you want to use more than 20 envelopes then you would have to get the plus account that costs $50 per year that can used on 5 systems.

7- Dollarbird

Dollarbird is another app like Quicken to organize your finance better. The idea of this site is a bit different from the other sites and apps as it helps you to focus on short term money plans rather than the long term plans. Their system helps you to manage your daily spending. This site is best for you if you take money management in a different way than the other. You can use it for free but if you want more features than this site has two plans for you, one is for the families that costs $39.99 per year while the other is for business that cost vary according to your business.

8- Money Spire

Another software like Quicken is Money Spire which is linked to Quicken in a way that you can transfer your data from Quicken to Money Spire when you want. On this software you can make a budget for yourself, keep a track of your spending and your bills and along with that you can check and record all your transactions on a single place. You can use this software on all your systems with a single license. You can use this software for $49.99 while if you are not satisfied with the software you can return it as it comes with a money back guarantee of 30 days.

9- Pocket Smith

Another software like Quicken is Pocket Smith. On this, you can create a budget for yourself, track your spending, keep a record of your income and calculate your net worth. This programs lets you calculate your future money picture and they call themselves the time machine for money as it helps you to forecast the future of your money. The program automatically downloads your transactions and keep a record.

If you want to use this software for free you will have to enter your transaction manually while if you want your transactions automatically tracked you will have to pay $9.95 per month. This is the premium plan which includes the 10 year financial forecast too. While there is a Super Plan on this site that costs $19.95 per month in which you can see your financial forecast of 30 years.

If you are looking forwards towards a bright future and saving more money then you should consider this app as it will keep you motivated towards saving more money.

 

So these were some of the best replacements to Quicken for this year. These type of sites help you manage your finance in a better and organized way and you could save a lot of money by them. It’s worth checking them out once. Do comment in the comment section below and let us know how your experience of using these sites and apps was.

Have a good day!