Category: Budgeting

Second Hand Bike-They key to staying fit on a Budget

Look around my friends the birds are chirping and the flowers are blooming because the wait is over and summer is finally here. And as all years we promise ourselves to be more active and to live a healthy lifestyle this year.

There are a number of options to choose from you can go for a jog, you can go hiking, you can take up some outdoor sports or you can just buy a bike and enjoy the rest of the summer. You might be thinking bikes are expensive and you are right that’s why you will be buying a used bike. You will be amazed how much cheap you can get them second hand. Just search ebay, craigslist or your neighborhood. Many people sell their bikes for a very cheap price because they don’t ride it anymore and they just want to get rid of it. As long as you don’t care about having the latest edition bike, you should have no problems in getting a good deal.

Biking is a Great way to be Healthy and Spend Time with Your Family

If being healthy is your primary goal then half an hour of workout everyday is not much of a problem. But a recent study found out that people don’t give up exercising because they can’t keep up with the physical demand but simply because they get bored . it’s the same routine everyday, same place same treadmill.

But if you get a bike you can easily solve this problem. Imagine cycling in your city or town for half an hour. You can run small errands, you can meet up with your friends or you can just go out for some fresh air. You won’t even notice the time fly by and in the end you will be left feeling like I can do a little more.

Owning a bike (or bikes) is also a great way to spend time with your kids. You can all ride together in a group and go for ice cream or just to do some exploring of the city or town you live in. This will help you stay fit and bond with your kids at the same time.

Winter is Coming!

After every summer there comes a time we call winter (what a profound thought), and during this time it is not easy going out let alone go biking. So should you do to stay healthy and fit? One option is to invest in an indoor exercise bike. Since, you will be biking all summer it will be a little easier for you to keep doing this exercise on a regular basis.

There is a wide range of these exercise-bikes in the market some are very advanced and sophisticated and some are basic and simple. Search for the used ones and find out which one suits your needs and your budget. A friendly advice, before buying any exercise machine always takes the size of the room into consideration first. I learned it the hard way

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Tips For Saving Money On Weekly Food Shopping

Your shopping budget can get a little out of hand during the weekly supermarket tour. The thing that makes it worse is when you‘re so hungry that you want to jump on the first food item you see. We interviewed the top frugal lifestyle bloggers from the U.K to give some insights on saving money while shopping for food. We also talked about the techniques that our readers can utilize to save all the food that goes to waste. We were able to gather some interesting information that we have compiled below.

  • Famous lifestyle blogger from Purple Pumpkin, Michelle Ordever said, “When writing your meal plan, shop your store cupboards and freezer first – you might be surprised to see what’s tucked away at the back,”
  • Michelle also added, “Making a weekly meal plan helps you focus your shopping list, without the need to impulse buy at the supermarkets because you don’t know what you have at home!”
  • Cass from Frugal Family backed up Michelle and said, “That way there are no mid-week ‘top-up’ shops which almost always lead to you buying more than just the one or two things you popped to the shop to buy,”
  • You can buy various fruits and vegetables at the local greengrocer for a lot less price and you always get the option of purchasing as much as you need. So you just not only save money but a lot of food is also kept from going to garbage. Same is applicable for butchers and fishmongers who not only give you a better rate but you also get useful cooking tips and the cuts of your choice.
  • If you can’t betray your local supermarket then keeping an eye on the price of 100g packs can help as you always get a great discount for buying in bulk. It goes out for what food item you actually need in larger quantities.
  • We also talked to one of the vouchers and freebie experts; founder of Just Free Stuff said” Writing to various brand manufacturers for requesting their discount vouchers can be really helpful,”  “You can simply send a simple message mentioning the things you admire about their products. Request for a discount coupon so you can try out their other products as well. You can also suggests that all of the vouchers and coupons should be organized with respect to their expiry date: “I personally keep a separate wallet for all the coupons and vouchers that I get, all organized with respect to their category and expiry dates.”
  • You don’t have to be loyal to your supermarket if you don’t get the best rates possible. Look around and keeping seeing other supermarkets, until you have found your perfect match.
  • According to Michelle “Shopping online has helped us cut back on our grocery bills. You can take your time to decide if you really need to buy that item, and even go back through the shopping trolley to see where you may have overspent.”
  • Frugal-lifestyle blogger Emma Russell-Bennett encourages ‘yellow shopping’ – the time when all supermarkets are getting rid of their food products that have shorter shelf life. “Meat, bread and milk can all be frozen, and you can tell by looking whether the fruit and veg have a few more days or weeks of life left,” says Emma.
  • Cashback can actually help you get away with food for free or a really low price. Emma claims that “There are also cashback apps like CheckoutSmart and Shopitize, where you can earn cashback by purchasing particular items. You just upload your receipt and wait for the cashback.”
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Enjoy Autumn in 5 Free Ways

Autumn is here. The leaves are falling and so is the temperature. I just love the cool autumn evenings the sun is about to set, a cool breeze is slowly blowing off my face and I walk in the park kicking leaves here and there listening to the beautiful sounds they make. Let me just say it again I love autumn.

Whatever the season may be I try to enjoy it and I try to keep it simple or as I like to call it Free because you don’t need to spend huge amounts of money just to enjoy nature. Here I list 5 ways in which you can also enjoy autumn for free.

Leaf collage

Collect a bunch of beautiful leaves that have fallen on the ground. Make sure they are in good shape and condition. Then start setting them in different patterns. You can also make a collage according to their color, shape or size. You are just limited by your own imagination. You can also use Google and Youtube to get inspired.


No autumn will be complete without Conkers. Kids love collecting them and playing with them. You can take your kids to such an outing and you can also join them and have fun.


Apples in autumn taste even more delicious as compared to the rest of the year. So if you have some apple trees near you and you can legally pick them then you can go on an apple-picking trip. And with the apples you collect you can make some amazing things to eat Apple Pie being on the top of the list. You can also search the internet for a bunch of different recipes for a bunch of different dishes. Try



You know the weird pumpkin head lying around the house after Halloween. It’s time to put it to good use. Ok! May be not that particular one, that one needs to be thrown out but now since Halloween is over pumpkin prices will come down. So, turn those pumpkins into pumpkin soup\. It is delicious and it is healthy and no there will be no better time than this.


There is no better way to spend time with your family than to watch fireworks on an autumn night. At this time of the year, people in cities are gathered around a Bonfire enjoying fireworks. There are places from where you can go and watch them but if you are lucky enough to have a house with a view than you might just enjoy it from the comforts of your own home (balcony).



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Coupons Are For Everyone

Well not everyone may be. There is a 0.0002% population that consumes food only grown by them and uses tree bark to clean their teeth. So if you are one of them you can be pardoned.

But if not, I can quote here and reply every single excuse you can possibly think of for not using coupons. So here comes a list of usually said and used justifications I’ve heard over a good period by now.  Now is the time for me to try to clear your head of misconceptions and for you to give coupons a try.

Why buy junk food?

Not all coupons offer just junk or processed food. You can regularly find coupons offered for fresh produce, flour and milk as far as food items are concerned. Other regularly needed and bought items include toilet paper, shaving razors, tooth brushes, bulbs etc.

So chances are high that you’ll find coupons for number of items that you buy as every day needs. And as you’ll begin using coupons you’ll realize how awesome it is to get something at a much lower paid price than usual, all at the expense of finding and keeping a coupon.

If you try to incorporate coupon habit into your everyday life, like any other field you’ll develop proficiency in it too and you’ll find it easy to discover deals that give you something extra. If in case that extra is not your personal or your family’s choice you can give it away as donation or depending upon the item’s nature think of some other good use of it.

I did try but instead spent more than usual

Well there is a wrong and a right way to make use of coupons.

The wrong way is to gather coupons and use them all up on you trip to the store. Because what you do there is you buy expensive (or not expensive) things that you neither needed nor generally use so the whole point of saving money goes out of the window the very moment.

The right way might be slow but it definitely saves you money. The idea is to gather the coupons and then wait until either they hit the very low price limit and then use the coupon for it so you literally have to pennies for it or wait until you really need it.

I find it hard to take out time for coupon clipping practice

Well generally if we want to try something new we almost always have to forcibly carve out time for it. That is today’s lifestyle and it is very busy. So here is the math I did to find out how much time I spend on my couponing habit and how much is it worth. Upon my calculation when I spent an hour looking for and cutting out coupons it saved me somewhere around £30 to £50. To me it’s worth it for an hour of work.

You will not become a pro from the day one but with a little bit of patience and practice and you’ll find your own little tips and tricks that work for you while saving you good money.


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Finding Great Resources For Freebies In The UK

In the United Kingdom, as with many other countries, it is possible to get free merchandise. There are many ways to get this which includes participating in contests, providing your email address or even your ZIP Code, and you will be given something in return that is at least somewhat valuable. There are many websites that will show you the most valuable freebies available in the United Kingdom, and if you can find use websites, you can have a steady stream of free stuff coming to you every day. Here is a quick overview of how you can locate all of this, and much more, when looking for freebies UK websites.

Locating Freebies In The UK

One of the benefits to finding these companies is that it takes a lot of the research out of the way. Instead of having to sift through all of the possible websites that are out there that will have these freebies individually, you can find actual clearinghouses of freebie offers that you can start interacting with every day. The more that you submit your information, the more likely it is that you will have several items coming in, many of which will be very valuable. Sometimes you will get to test the latest electronic gadgets, and even keep them, which makes doing this even the more valuable.

Choosing The Right Sites

The best websites are the ones that do not require you to enter in your personal information, although the ones that do can provide you with an extra benefit. For instance, when you join a website that offers freebies, and you have entered in your personal information, all of this can be transferred instantly to many of the offers, saving you the time of having to enter in everything manually. Make sure that the websites that you find are highly recommended, and that others have used them and had great success. You could actually find review site on freebie sites which will make your quest for getting free merchandise even easier, it’s simple step that will net you many rewards in a shorter amount of time.

This is a simple overview of what you need to do to find freebies websites in the UK. Take the time to do so, and you will find that once you become proficient at entering in your information, or if you are able to find a website that will do this for you with thousands of offers that are available, you will wonder why you have never done this sooner.

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Top Free Apps to Make a Perfect Budget

Tracking your money is a very important task in your daily life. You have to track your money so that it
could help you to follow your budget effectively. As like everyone you would want to end your budget
according to your decided budget. So for that you have to keep a record of your spending on daily and
weekly basis so that if you get slip at any point you can get back on track in the following time. Tracking
your money helps you to calculate where you were out of budget and where you need to improve,
which expense you have to cut off and which you have to keep.
There are people who use to buy apps and pay companies to keep track of their spending and to get
informed about their budget. But what if you want to track a record of your payments and expenses and
you do not have much to pay to these companies or apps. If this is the case with you then I have a
solution for you. There are number of free apps that can be used to keep a track of your expenditures
and you can use them without giving a penny. As these apps will not be the same as of the paid one but
to some extent they will work like them. As in free apps you will not get some of the upgraded features
but you can get many of the basic tools that could be enough for you if you are working on an
intermediate level.
These apps and tools will help to track and plan your expenditures and it will help you to achieve your
money goals and saving goals in very short time. From these tools you could easily connect your bank
accounts, credit and debit cards, and investments account in to one app through any mobile or
computer that have an internet access that will help you manage all your accounts from one place. So
starting from the 1 st app,

1- You Need a Budget

You need a budget shortly and famously known as YNAB is one of the best app for budgeting purpose.
From this app you can learn to save money and to you can achieve your goals very fast. This app does
not only helps you in making a budget but it also teaches you money saving options and tricks. This app
does not work for free but it is free for college students for 1 and you can try them for free for 34 days
and if it really works for you, you can keep their services by paying them $84 a year. Their site claim that
first timer of budget making save almost $600 in the first two months on YNAB.
YNAB is a very easy to use app and is supported by every type of operating system. YNAB can be used on
multiple devices with a same account thus you and your spouse can look at the budget at any time. You
can connect your bank accounts, investment accounts to this app and calculate your income and you
can then easily create an effective budget.
YNAB money saving is based on four basic rules, the first one is give every dollar a job that means you
should plan your every dollar that where it would be spend and then mark that money to an expense.
The second one says that embrace your true expense that means you should save money for a big
expense you have to pay once a year or twice a year. By this it means that you should save money every
month from your budget for that expense so that you could easily pay in time to that. The third one is to

roll with the punches that states that if you are not able to succeed in a category then you should fill
that gap by saving from another category and putting it in to one which is in negative balance. The last
one is to age your money that means you should spend your money that is 30 days old as this will not be
easy in the start but you will roll with it and by this you would be free of any debt problem.

2- Personal Capital

Persomal capital is one of the best and famous app for tracking you spending. This platform can help you
to calculate your net worth in a very short time and you can manually look for you your worth by adding
the amount of your property cars and investment account on this app. This app helps you to connect all
your accounts on one place for example bank accounts, investment account and credit card or debit
cards etc. by this you are able to look in to your total worth you can calculate your total monthly, weekly
or yearly income for free. This app is the best option if you are prefer tracking even then budgeting.
Personal capital only charges you for using their wealth management service that is up to you that you
want to use it or not. If you have a dream of retiring as a person who is rich and financially well stabled
then this app can become a road map for you where you can plan according to your saving goal and
follow it. With all these tools this app has a personal investing tool that you can use when you think you
are ready to step in to investing money. By this you are able to get a lot of tools in one place and you do
not have to switch between different apps for different tools.

3- Google Sheets

To keep a record of your spending the simplest method is the best one sometimes because it helps you
put most of the information manually so you could be very much aware of everything you spend. These
sheets can be much better than putting everything on a paper and you can use an already made
template of google sheet or you can make your own one. In this case you will have to manually put all
the expense and income. Google sheets can be accessed from multiple device like laptops and cell
phones and when you allow permission to people to edit the sheets they can add changes and expenses
that means multiple can use a single sheet.

4- Every Dollar

In Every Dollar you assign every dollar you earn to a category in the budget. The system of Every Dollar
app is the same like the envelope system. The basic principle of this app to assign every category an
amount an whenever you spend in that category it should be deducted from that like the money
envelope system in which you put money in different envelopes and label them a category and
whenever you spend in that category you have to take money only from that envelope. If you are a
beginner then you can start with their template that is easy to use. If you want to use Every Dollar for
free you have to manually put your transactions in to the system but if you pay $130 a year you can

have this done automatically as the system will download your bank account, credit card and
transactions details.

5- Wally

Wally app is available for android and iOS system. Wally is one of the best free app because the free
version is ad-free and you can make in-app purchase that will upgrade your account and it will allow
your access to many free tools. In the free version you have to manually add your every transaction and
if you want to automate you have to pay $2 per year. The budget making is a fun task in Wally as you
can mark different colors to different categories. To keep a track of your money is also easy in this app
as you can even take pictures of the receipts.

6- True bill

True bill is another app that can be used to create a money saving budget, set new money saving goals
and to track your budget. One of the unique feature of true bill is that you can get free information on
how to cancel extra subscriptions. Bank accounts can be connected to this app like the other apps and
you can make a budget and track your spending. True bill has android and iOS apps that have many
extra features that you can use.

7- Mint

Mint is one of the most famous and oldest tool in business to help you in your budget making and
tracking steps. You can link your bank accounts, credit cards, and investment account with this app and
manage them on a single place you can even assign different categories an amount. The best feature of
this app is that they keep you alert about the due dates of your bills, your ATM fees. The app send you
an alert whenever an unusual and a bigger transaction is made. Thus it is easy to use and an effective
platform to create a money saving budget and to track your expenses.

So these were some of the top apps that helps you to make a budget that helps you to save money. Do
comment in the comment section below and also share your experience of making a budget and
tracking your expenses from these apps and let us know how much it worked for you and how much you
Have a good Day!

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Ways to increase your Budget Savings

Money saving is a tough job when you have a small budget. When your expenses are more than your
income then it becomes impossible task to save money but if you want to save more on a small budget
then this article is for you. Instead of completely taking out some expenditures from your budget you
can alter them slowly and make a habit and then it will turn out to be big amount after some time. It will
not be an easy task in the start but after some time you will get used to it. Today I will tell you about
some ways to cut off your extra spending so that you can increase your savings in your budget. Starting
from the 1st ,
1-Save you Bonus

Being an employer of some company receiving a bonus is termed a very big achievement and many
people like us spend this money in buying useless items. So if you are on saving mood then your first
priority should be to save an extra amount that you receive in a month that could either be a tax refund,
New Year bonus or any other amount that you find out from your old clothes or car while you are
cleaning them. If you receive a yearly increment in your pay then you should put that in to your 401 plan
so that your passive income source increases gradually and you could achieve financial stability faster
than you have thought.

2- Unsubscribe memberships

There are many subscriptions for that you have to pay every month automatically. For example if you
have a gym membership and your last visit to the gym was months ago then it is the time to quit this
membership. There are many other subscriptions like that. For instance if you are paying for Netflix
alone then you can share your account with someone because on Netflix you can use your account on 2
screens and if you pay an amount for your cable TV subscription and you do not even have time to
watch TV then you should skip this membership because paying hundred dollar monthly won’t affect
but when added up it becomes a big amount that can make a change. If you use TV just for some
episodes then you should also cancel your cable membership because you can most of the TV shows on
their mobile app for free. By making these little changes you can make a big difference in your budget
and can save $1000 a year easily.

3- Create a list before grocery shopping

Planned shopping is a good habit for your monthly budget. Before going to the grocery store for buying
stuff for your home you should make a list of items that you are going to buy. Make an exact list for
what you will need in the next week and then leave for store. When the list is ready try to find the
cheapest store and then do shopping. Strictly follow your list and try to buy the things you need. Making
a list is very important otherwise when you are shopping without a list you will be tempted towards
unnecessary items and there are chances you will forget to buy something that was useful. So list
making saves you another visit to store.
An extra tip for you is that you can use different apps that will pay you for scanning your grocery
receipts and you will be able to save a good amount of money.

4- Cook and eat at home

Drinking coffee from a restaurant or a store daily puts a very big effect on your monthly budget.
Although it takes a few amount of money but when you add up the whole amount of the month for this
habit this becomes a very big amount. So instead of drinking coffee daily from outside you should try to
make your coffee at home. Although it will seem to be a difficult task in the start but starting from twice
a week to thrice a week and then daily you will be able to save more and increase your savings section.
The same goes with your meals, when you work and most of the times you have to eat from outside
then this is an alarming situation for your budget because eating from your favorite food chains can cost
you a big amount. You try to cook a meal at home because in this way you will be able to save a very big
amount. If you cannot cook daily then you should first try to cook once or twice a week and then slowly
make a habit for daily cooking. If this is still not possible then cook a prep meal for yourself which you
can eat in the week.

5- Sell every extra thing

In the springs it is the best time to get rid of everything that you do not use. Sell every unused item,
every item that you do not use often or have not used it in a long time. Your clothes that you do not use
can give you a good amount of dollars that you can save. You can host a garage sale for selling every
extra item. Ask your neighbors to pay a visit in your garage sale. Start cleaning your house room by room
so you could get rid of every extra item that can sell. You can also sell your branded clothes on websites
like eBay. By doing this little activity every spring you can save a good amount of money.

6- Limit your shopping habit

To make a check at your shopping is a very important step in money saving process. Many a times you
are tempted to buy an item like an overcoat or a fancy jacket when you are in a mall. The thing you
should do is that you should not buy that item at that time but you should wait for at least 2 to 3 days.
By this you will understand if you really need that or not and it is really that important that you have not
forget it in these days. Now before buying always look for online coupons and promotions and print
them to the store to get discounts.
An extra tip for you is that you should do your shopping online because you can find a lot of offers
online. There are hundreds of apps and websites that can be used to get different types of offers and
discounts. You can also get cashbacks using them. So you should also look for that too.

7- Do it Yourself

By doing most of the things by yourself that you pay for can save you a good amount. Pinterest is
platform for the people who embrace Do it Yourself projects and you can find a lot of hacks from there
which you can use it in your daily life. You can get recipes to cook meal at your home by yourself to save
you the amount spent at a restaurant.

8- Use an App to Create and Handle your Budget

To make and handle a budget can be a tricky task if you are a beginner and you can overspend from your
budget. So to overcome this issue you can use budgeting apps that will help you to create a very
effective budget and also track your spending on daily weekly and monthly basis. By this you will be able
to track your spending and at the time if you overspend your app will help you to overcome the amount
by giving you some advice to cut expenses. You can use apps like Quicken and Mint for this.

So these were some of the methods to cut off some expenses and some more money in your budget.
Make sure you follow them to get a good amount for money saving. But you should be clear about why
are you saving this money so that you can achieve your goal fast. You should have a goal like buying a
new house, paying off your debt before time or buying a car. These goals help to be motivated towards
your goal and keeps you on the right path.

Do comment in the comment section below and also share your experiences of saving money by
trimming your expenses by methods stated above. Have a good day and best of Luck!

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