*Only 5 Tips on How to Save Money on Your Bills by Titus Maduwa

I used to love going to the supermarket. But nowadays, I make my trips short and sweet. I have a list and stick to it. My trips to the supermarket made me realize that it’s getting harder and harder to stretch that dollar. With all those bills that you have to pay in a month, you really can’t do anything about it but to save.

I read once that it’s not how much you earn that ensures a comfortable and happy future, but it’s how much you save and keep saved that matters. That is why it is really essential to save money, especially when it comes to your monthly bills.

Some people do not just realize it but saving on their monthly bills can provide the best money-saving opportunity for them.

Here’s how:

1. Turn off appliances and lights when not in use

The logic is basically simple. Why would you leave something turned on when nobody is going to use it? That’s definitely a bad habit. 

Hence, if you really want to cut back some on your electricity bill, always turn off the lights and your appliances when not in use.

2. Use energy-saving lights

Nowadays, saving on your electricity bill is not impossible because you can opt for energy-saving devices such as lights. Using these energy-saving lights such as fluorescent lights consumes lower amounts of energy but can still give a suitable amount of illumination.

3. Always check for the leaks

Water bills can create a mountain load of a pile on your monthly dues if you do not check on the things that might cause your water bill to rise higher. You can prevent this by ensuring that every pipe is free from any leaks. 

Some people do not just realize that single drops from leaking pipes could mean additional costs on your water bill.

4. Be more tech-savvy

Cut your phone bill to almost half by simply being tech-savvy. That is, opt for the emails and chatting services of the Internet instead of using your phone to call long distance to your relatives and friends.

5. Try to insulate your home

Insulating your home is a definite energy-saver, money-saver scheme. You will never know how much money you can save on your electricity bill when you start to insulate your home.

Indeed, cutting some of your bills can definitely allow you to save more money. You just have to be wise in your home and everything that you have in it.

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# 1 International Author Titus Maduwa

*10 Saving Money Strategies on Electricity by Titus Maduwa

An electrical appliance that does not work at maximum capacity results in less than ideal performance and higher electricity bills. That is why it is best to save on electricity in order to save more money.

Here is how you can get everything saving up:

1. Keep your appliances clean and well maintained. Regular cleaning and maintenance keep your appliances in top shape, hence, it will perform better and consumes lesser energy. Energy saved is money saved.

2. Have an annual checkup by a qualified service technician. This can reduce the appliance’s operating costs by as much as 20%, extend the life of the system, and improve its safety and air quality.

3. When using air conditioners, it is best to establish your comfort temperature, and then setting your thermostat at that level permanently. This will definitely save on electric bills because the air conditioning unit takes less energy to cool air four to five degrees than it does to cool air eight to ten degrees.

4. Replace any items that may have been 10 years or older already. Old appliances are most likely not at their optimum efficiency. By replacing them, your electric bills may be cut by half.

5. If you experience a power outage, make sure you turn off the switch on your appliances and allow time to pass before turning the appliances on again when the power returns.

6. In refrigerators, do not overstuff compartments with bottles and plastic containers. Cool air must circulate freely to avoid overworking the condenser.

Also, try not to leave the door of your refrigerator as open as possible or open longer than what is needed. This will have the tendency to allow the cool air to break out.

7. Always try to look for the “energy-saving” logo or notes whenever you buy your new appliances. Buying an appliance with a logo that states it consumes lower energy, it will definitely let you save more money on your electricity.

8. Always use energy-saving lights or light bulbs. These energy-saving lights or light bulbs usually last up to 12 times longer. Plus, energy-saving light bulbs consume less energy. Hence, you will be able to save more money just by saving on electricity.

9. Use energy-saving facilities at home like energy-saving windows or energy-saving appliances. This will lessen the consumption of energy and, thus, will let you save on money.

For instance, use a “double-glazed” window instead of the ordinary window.

10. Use insulators at home. This will not let the warm or cool air out, and vice-versa.

Indeed, saving on electricity will definitely save more money.

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# 1 International Author Titus Maduwa

*Six Petrol/Gas Saving Tips by Titus Maduwa

The price of gasoline is on the rise. This is truly a great concern if you are following a tight budget. So how can you save some money on gas? Read these tips.

1.The carpool system

This is a great idea for employees and students alike. Since all of you will have the same destination, there is no need to bring extra vehicles if you can all fit in one car or van. If you are with your co-workers, it is a good idea to bring your cars alternately or on rotation. If you have children that you bring to school or social events, exchange driving responsibilities with your friends.

2.Commute to work

You can always take the public transportation system when going to the office. This is also a good way to relax since you are not driving. You can even take a short nap while on your way.

3. Look at the prices of different gas stations

Take time to drive around and check the pump prices of the gas stations near your neighborhood. Keep in mind that a few cents difference can add up to a lot if you continually have your car re-filled in the same gas station all the time.

4.Shed some sweat

A good way to save money on gas and keep yourself healthy at the same time is by walking or riding a bike to your destination. It saves time since you do not have to look for parking and also makes you healthier from the exercise. Utilizing these alternatives will also keep you from getting stuck in traffic which will surely waste a lot of your time and gas. 

5. Keep your car in very good condition

It is necessary to keep your car's engine in good running condition so that it will not consume a lot of fuel. When driving around on errands, plan out your route before you even get out of the house. This will minimize your trips going back and forth. It is also ideal to use the aircon as minimal as possible since it drastically increases the car's fuel consumption.

6. Check your car's tire pressure

Keep it a habit to check your car's tires so each one has the right amount of pressure. Having unequal pressure can greatly affect the car's fuel economy. It is also advised for you to refrain from accelerating too fast since this means burning a lot more fuel.

These are some of the things that you can do to save on gas. Gasoline is not a renewable resource, therefore using it wisely is very important to conserve this valuable commodity.

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 #1 International Author Titus Maduwa

#3. High-low Numbers: 3 Secrets on Saving Money on Clothes by Titus Maduwa

Are you craving for the newest designer clothes, a pretty tank top, and that pretty dress? All this fashion comes at a price — you choose.

Buying clothes these days is always a choice between the designer-made outfit or those cheap but quality items that you could pull together and express your personality in many different ways.

Most experts contend that clothes can definitely make or break a person. They say that your personality is usually reflected on how you dress up. But it does not necessarily mean that good fashion would absolutely mean expensive clothes.

Hence, you can still make a remarkable fashion statement without having to spend hundreds or even thousands of dollars just for your clothes.

Here is a list of some money-saving tips when buying clothes that would turn other people’s heads to you but would not definitely break your wallet.

1. Do the math

Choosing fashionable clothes can be really tricky, not unless you know how to do math! So before you buy three sets of clothes that would cost you hundreds of dollars, try to go for the budget-friendly dozen of items that you can even match alternatively.

The number of expensive items that your money can buy is definitely doubled or even tripled when you buy cheaper ones but can still make a good fashion statement.

2. Know what you want

Saving money is definitely based on knowing what you want whenever you spend your money on something. If you know what you want, this means that you have researched the item, have compared them with the other items, you will be able to come up with the lowest price of the product. 

3. Drive your way to a “thrift store”

Usually, these “thrift stores” are non-profit organizations. This means that they are usually operating for charity. They give their proceeds to some charitable institutions. 

Hence, the prices of the clothes being sold in the thrift store are absolutely cheaper than the ones being sold in the department store. So that would mean many savings for you.

Best of all, you do not only get to save more money, but you also get to do some charity work as well.

The bottom line here is that when shopping for clothes, do not shop for the brand name, shop for the quality.

Nowadays, you just have to be practical. Better spend your money on more important things than those designer clothes.

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#1 International Author Titus Maduwa

#2. Six Tips on How to Save Money on Transportation by Titus Maduwa

Prices go higher every year, especially the cost of gas. Transportation is one big factor that makes the household budget difficult to cover all your expenses. Here are some guidelines to help you save money from transportation:

1. To save money, you must always check on your vehicle regularly. A well-maintained vehicle can get you out of trouble with repair expenses. You can actually spend only $50 on maintaining your vehicle and save up to $800 on repair costs in a year. You can even save more if you do the maintenance yourself and not bring your car into an auto shop.

2. If you want to save more money, it is recommended not to buy a new car. The value of a car depreciates automatically when you drive it out of the showroom of the car dealer shop. You may buy a car that is used for at least one year. It will save you thousands of dollars to the actual worth of the car when it was new. The owner will then pay all the depreciated value of the car.  

3. Save money on buying used cars by comparing the prices of the car dealer and the actual price on the list of the used car dealer ads. To ensure the car that you buy is well conditioned, you may ask for the help of a mechanic to check if the car is good enough for its price. It is better to buy a used car from a person you know and trust. This will help you make sure that you have a good deal in acquiring a car. 

4. Try to compare gasoline rates. You may refuel your car with the gasoline station that offers the lowest price on gasoline. You can even save more by pumping gas yourself and use the lowest octane in your car’s manual. It is also recommended that you pay cash than credit cards that charge extra rates. Do not forget to check the gas cap if it is tightened to ensure no gas is spilled out. 

5. Always keep your engine tuned-up and have your tires inflated to their desired pressure to save you more money. A well-maintained engine consumes less gas. Keep your car’s trunk clean to save more fuel. Heavy loads in your vehicle can consume more fuel because of the excess weight it carries.

6. Try to limit the use of your car on your daily route. You may take the bus or the subway to save gasoline. You can also save time by ignoring the traffic that you encounter every day on the streets.  

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#1 International Author Titus Maduwa

#1. Cutting your Kids' Schooling Costs by Titus Maduwa

Whenever the school season is just around the corner, there's only one thing that parents are thinking about - the impending costs. Education is a primary right and a pertinent need of every child but it can become very costly. Availing of scholarships and education grants for your children is the best way to get them through schooling. But of course, only a small percentage of children can be given these privileges. 

There are simple and effective measures that parents can employ in cutting the costs of their children's schooling, especially during the back-to-school season. Most often, these measures are often taken for granted, but don't miss out!

Organize and Save

Keep an inventory of your children's school supplies and keep it organized. If you are not organized, you will be spending more money on replenishing your supplies. Small things like pencils and crayons may not cost too much, but if you replenish your supplies unnecessarily, you are losing valuable money.

You should also try involving the kids when making the inventory. This will give them a sense of ownership for their things and would know where to take and put their things.

Tax Holidays

Tax holidays are often offered by many states during the back-to-school season.  Price ceilings will be put on different school gears. You might want to do a little research and ask about the schedule and the details of the tax holidays in your area.

Bulk Buying

It's a basic economic principle - "the more you buy, the more you save". Well, this is applicable if you are buying a specific item which you will really need in the near future. In buying pencils, for example, you might want to buy a box rather than buying one for each of your kids. Face it, you will be needing to replenish these after some time, so might as well avail of the lower price by buying in bulk.

Transportation

You might want to consider buying your child a bicycle for him to bring to school. This, of course, is not always feasible. Finding a cheap and safe way to bring your children to school daily is an important thing. Car pools and school transportation services are options that you can look at.

Snacks

Whenever you have the time and energy to prepare food for your children, do so. You will not only be saving on the pocket money that you will give to them but you are also secured that your children are eating healthy and safe meals.

Getting your children through school is a hard task and a costly one. Saving money through practical and simple means can assist you in this endeavor. The benefits will eventually add up to bring a brighter future to your children.

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# 1 International Author Titus Maduwa

#3. Using Positive Self-Talk to Conquer Any Goal- by Titus Maduwa

Do you feel like you are always talking yourself out of success?  As soon as you start to set goals for yourself, do you suddenly have nagging thoughts about how you aren't up to the task or how you simply aren't qualified to carry it through?

If you have ever experienced either situation, you need to change the way you respond to your inner dialogue.  Instead of obeying your negative commands, you can use positive self-talk to counter the negativity and overcome nearly all anxious thoughts.

Setting Goals and Sticking to Them with Positive Self-Talk

Are you initially filled with excitement when you first set goals for yourself? Are these thoughts then followed by self-doubt and self-defeating thoughts that stop you in your tracks before you even get started?

It can be difficult to make the most of your life when you are constantly talking yourself out of being a success.  It can be frustrating and discouraging to have these thoughts constantly plaguing you. Many of us, in fact, don't even realize we have them! All we know is that we don't have the confidence to stick to our plans and reach our goals.

But there's another way!

Positive self-talk is an effective way to set goals and ensure that you stick to them, even if you have never been able to do this before.  The way this works is that you decide what goal is important to you, and then you plan the logistics of how you are going to attain this goal.  When self-doubt starts kicking in, you will respond with affirmations that prove your success without surrendering to the negative pressure. Since you're reading this article, it's clear that you're no quitter and you're certainly not a failure, so start believing in yourself!

Re-Programming Your Mind

Affirmations are essentially positive statements that re-program your mind for the positive. The moment you have a self-defeating thought you'd be able to counter the negative with a motivating statement. An example of a positive affirmation is: "I am worthy of great success," or "I see myself in the winner's circle."  What this does is replace negativity with thoughts that will help you move toward your goals instead of further away from them.

Positive self-talk is easier to implement than you might think. You may not be aware of the severity of the negative dialogue currently within your mind. However, once you begin with positive self-talk, you will suddenly realize that you are self-sabotaging the goals you set for yourself from the minute that you make them. This process can open your eyes to exactly how much this inner conversation has been interfering with your life. You'll feel hopeful that you can now set goals and surpass them.

Through positive self-talk, you will be able to easily set long and short-term goals for yourself. And when you use affirmations, you'll have accessible tools to help you push yourself further than ever before. Learning to quiet negativity with positive thoughts is a great move toward setting and attaining future goals with ease.

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Author Titus Maduwa