Savings Tips

We recently addressed resume building through the utilization of some tried & true, old fashioned resources – networking, the library, & community centers. This grass roots approach to resume building may appear archaic, but using these resources can help you build a quality resume on a budget, as well as a foundation from which other resources can help enhance it. The world of technology offers additional resources that can help you create a cost effective & professional resume. Software programs, software templates, and online resources can help you build your cost effective resume into a competitive masterpiece.

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Job hunting is at least a part time job in itself. Between scanning the job opportunities, making sure you have proper attire, resume & cover letter building, going on interviews, and writing thank you notes, job hunting can demand quite a bit of your time. Creating, reviewing, and revising your resume is just one aspect of the job hunt that is a major time consumer itself. And a great many people look at developing a resume as the “monster in the closet,” a dreaded chore. It is easy these days to hand this task off to a professional, especially if you don’t know where to start. Unfortunately, handing off your resume, and relying on someone else to provide a quality product for your career can be both risky and costly. Developing a resume on a budget is possible with a little bit of quality effort, using some old-fashioned resources. Starting with a “grass roots” campaign & getting back to basics can help you develop a cost effective and competitive resume.

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The holidays are coming once again, and this year the budget seems tighter than ever. You really want to give meaningful gifts to those close to you, but want to be friendly to your pocket. Here are some wonderful gifts that won’t hit that budget, quite so hard this year.

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I’ve always noticed that most “Holiday Money Saving” articles, are written about Christmas. Not many focus on the other holiday’s that tend to get a little expensive. Halloween being one of them. You might be thinking, “How much can you really save on Halloween?” I’m here to tell you, when you start adding up the expenses of candy, costumes, parties for the kids….you can end up spending an arm and a leg.

Here are a few money saving tips to help you keep control of Halloween spending…

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Costume Parties

These are not only fun, it gives you a chance to get your creative juices flowing. Decide on a costume theme, or let it be a free for all. If you go with a free for all, decorating can be as cheap as you’d like. You can buy a variety of decorations, create a variety of food, and go crazy on the cake. Since there isn’t a theme, you can buy a variety of different themed items…basically, anything you find on clearance can be used. This goes for foods as well. Serve what you have on hand. This is cheap and easy for you, but your guests will think it was all part of the free for all theme.

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Whether you are a full-time stay at home mom/dad or a full-time professional business woman/man, we all need a way to relax every once in awhile. If we can find a way to save some money, even better. Here are 8 tried and true ways to relax for nearly nothing.

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If your kids are anything like mine, they absolutely have a blast doing crafts. If I’d let them, they’d be sitting at the table doing them, from the moment they woke up, until they fall asleep. I used to have to limit the amount, simply because buying the supplies was getting to be VERY expensive. Then, being the ever so creative one that I am, I started finding ways to cut costs, but be able to offer them more crafting time.

Here are some of my solutions:

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Transportation is the number two largest expenditure for the American family weighing in at an average of $7,658 spent each year. That is roughly 12.2% of total yearly earnings for a typical middle class family. Transportation can be anything from buying a car (and keeping it running) to taking the bus to hopping a flight overseas. Who knew simply getting around cost so much? Well, we do now. So, the question becomes: how can we cut our travel costs?

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The number one biggest American expenditure is housing. In fact the average person or family spends $16,895 per year on it. That’s about 26.9% of yearly earnings for a middle class family. Since this is such a large chunk of what we spend money on, it’s time to look at how we can save by way of refinancing.

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Doing your own auto maintenance may seem a little overwhelming, which causes many people to pay big bucks to have it done for them. Here are some things you can do at home that will not only make your automobile happy, but will make your pocketbook happy.

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