When it comes to the various financial processes which perhaps form the biggest part of our lives, most of us have a bad habit of not really calculating the real cost of whatever it is we do. Whether you’re drawing up a monthly budget based on your salary, taking out any form of insurance coverage or anything to do with working out the costs associated with financial transactions, most of us would be quite shocked to learn just how much money goes to waste if we did indeed take the time to work out the real total costs. (more…)

When small business owners or entrepreneurs who are just beginning to see some growth in their business think of ways of saving money, they often tend to overlook what is perhaps the most obvious way of saving a lot of money and time. That’s digitising anything and everything which can be digitised — doing it all online. (more…)

People who spend their lives in real estate will tell you just how important it is to have a nice-looking yard when you’re looking to sell your home. People are all about first impressions and when you walk up to a place, the yard is in disarray, the trees and shrubs haven’t been pruned since 1976, the drainage has not been checked leading to water stagnation in the corner, and the weeds are so out of control it makes you feel like you’re stepping onto an episode of Ghost Hunters, it won’t bode well for the signing of papers and you being able to walk away with a check for a couple hundred thousand dollars made out to your name.

(more…)

If you’ve decided to start your own small business, there are effective ways you can save money. Being frugal is especially important if you are in the beginning phases and have yet to see any big profits. Here are a few of the best ways to reduce costs when operating your small business. (more…)

Buying food for yourself or your family each week can get expensive. While many of us love the price of the questionable-looking foods we see from the brands we know nothing about, we’d also like to avoid getting food poisoning from eating sketchy food. Because of this, we’re left to spend a little more money to get foods that we’ll enjoy and that are also healthy. And although this is better for our bodies, it’s not necessarily better for our pocketbooks. So to help those looking to eat well without spending a fortune, here are three tips for saving yourself some money on food each week while still being health-conscious. (more…)

Retirement brings an end to our employment life. But in order to maintain our standard of living, we need a steady flow of income after retirement. There are a number of public as well private insurance companies that offer different types of pension plans to take care of our expenses post-retirement. These pension plans not only come with many interesting features and benefits, but they are also good tax-saving instruments too. Here we will discuss the pension plans in detail along with the tax benefits they offer. (more…)