Finances

Grocery Savvy Savings

No matter the area of life, we are all looking to save money where and when we can. There’s nothing like the feeling of landing a discount or knowing that you got a great deal, and when it comes to grocery shopping, small savings overtime can make a big difference in our overall expenses.

Here are some of the best grocery shopping tips for you to keep in mind to enjoy future savings in the long run.

 

Make A List

Getting clear on what you need is one of the biggest ways to eliminate impulse buying and coming home with unnecessary goods. The very act of writing a list is no only helpful to refer to when shopping, but also can keep you accountable at the store when tossing up whether to get something or not – if there is no dire need, and you didn’t already list and budget for it, then don’t get it. Simple as that.

 

Scope Out Sales

Come prepared by searching the catalogues and taking note of the advertisements for sales before you go shopping, to ensure that you know what you can get that will save you money. Also, if it is something that you know you will definitely use in the future, like toilet paper or toothpaste, then stocking up on items that you would otherwise buy at a regular price later on, will be a great way to save on future grocery bills/

 

Choose Generic When You Can

For items that don’t need to be organic, or your favourite brand or of a higher quality – like sticky tape, napkins, simple canned goods – then opt for the generic brand. It’s nothing to be afraid of if there isn’t some fancy label or brand on it when you know your experience of the product won’t be affected.

 

Other money saving grocery tips include never shopping on an empty stomach, price matching from other stores, getting membership and rewards, and purchasing fresh produce from the local farmers market. Be creative, be prepared, and bask in the savings.

Merchant Accounts Explained

Whether your business is new, or in need or an innovation in technology, then a merchant account is the best things for your check out process of client and customers purchasing your goods or services. In basic terms, a merchant account is an account which allows a business to be able to accept e-check or credit card payments. In this day and age where more consumers carry less cash with them, then it is vital to be sure that your business is offering widespread access to your products by offering many payment types. Credit cards are fast becoming the number one choice for payment, and it is suspected that soon they will completely bypass the instances of cash being used.

 

In order to take advantage of this service, you need to apply to your bank by using your own business checking account that’s associated with you business tax ID. The business and merchant accounts actually stay separate, as the merchant account collects the transactions and the links the deposit to the checking account. You will need to provide various documents to set up the account, such as sales reports, financial records and business numbers.

You’ll need a terminal to accept the payments (if in person business is being conducted) or if online, you’ll need to set up a payment gateway for people to be directed to in the check out process.

 

There are a range of services and products available for this process, and depending on your business size and model of selling your product or service, then there will be many different processes to choose from. Take a look online at the wide range of professional services and products for merchant sales.

If you are looking for a trusted merchant services company contact: https://arxpay.com

Smart Strategies for Faster Home Loan Payoff

You already know it: The more rapidly you pay off a mortgage, the less money you’ll pay your lender and the more cash you can keep for yourself. If you want to pay your home loan off lot quicker, you’re going to need a little extra money plus some savvy strategies — but it can be done. Thankfully, we’ve got a few financial hacks for rapid mortgage payoff that can get you the results you’ve been looking for.

 

Rebalance Your Balance Sheet: You’ve got two ways to get more room in your budget for a faster loan payoff: Reduce expenses and generate more money. Do both for maximum results.

On the expense side, bundle insurances and renegotiate. If you’ve been with the same insurer for some time, get in touch with them and say you’re unhappy with your fees. Let them know you’re looking around to get better offers and lower pricing. You may be shocked to hear the number of new “discounts” they find for you.

Rethink your cable cost. Reconsider whether you need all those top-tier channels. You can stream lots of shows free or at low cost online. Also, quit outsourcing housework like cleaning services and lawn care. No one enjoys laundry and pulling weeds. But unless you have a lot more profitable ways to spend your non-work hours, it’s time to start washing and weeding.

Make some extra money to put toward your debt-reduction goals. Sell all the things you don’t want. Get on Ebay and start listing all that junk in your attic. There are dozens of other web-based selling sites you can sell your stuff on: ThredUp.com, shopstick.com, yerdle.com, varagesale.com and of course, the original online classified-ad site, craigslist.com. Pick up a little extra money on the side. Every person has some talent that other individuals might be willing to pay for. Try TaskRabbit.com and UpWork.com to check out all things people are willing to pay you to do — like being a virtual assistant or personal shopper — and put those extra earned dollars toward faster loan repayment.

 

Involve the Entire Family. Everyone’s needs and wants contributed toward producing the debt, and you’ll be doing your loved ones a favor by showing them how to take charge and defeat debt once and for all. Have a family meeting to brainstorm, and enlist everyone to reduce bills by lowering electricity and water use, pitching in to accomplish outsourced household tasks and maybe even making some extra cash. Set aside some of the additional money saved or earned to pay for a special incentive like a family bowling night.

 

Make Use of a Biweekly Loan Calculator. This can be a roadmap to faster debt reduction: To reach a goal, you want to see where you’re heading and exactly what you have to do in order to get there. Make use of a biweekly loan calculator [link] to uncover exactly how much more you have to apply toward your debt each month for the faster loan payoff you’re looking for. Biweekly home loan payments will get you out of debt a lot quicker, and also help you save money on interest over the life of your mortgage. Experiment using the calculator to discover how different payments will help you to achieve your goal of rapid debt reduction.

AutoPayPlus can help you pay down debt faster. Withdrawals from your account every other week fit conveniently with paychecks as well as your monthly budget, while an extra half-payment twice a year toward principal reduces interest over the loan term. Learn more about rapid loan repayment by visiting this website:

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10 Simple Tasks to Begin Saving Money Today

Budgeting and saving money can appear almost unrealistic when everywhere we go there is some kind of expenditure. How are people doing it? How do people remain committed enough? Well, budgeting can really be quite easy. That is, as long as you are actually dedicated.

 

These budgeting and savings tips are ones that you can start using today for a stable financial future. We are not suggesting you eat only once daily or sell all of your belongings. These are realistic and attainable saving methods that you’ll absolutely want to pledge to if you’re saving or planning a budget. 

 

  1. Sit Down With Your Money 

Update yourself every week on what you spent. Did you spend more than you budgeted for food or entertainment? Where there areas that you didn’t account for spending? Being informed on your financial standing weekly will help preserve your budget. Maintain your spending on a strategized, goal-oriented plan.

  1. Cut Out Cable 

Low-priced streaming services available, such as Netflix, Hulu, or Amazon Prime, make cable seem like an added expense you could live without. Cable prices will only continue increasing and are projected to surge to an average of $123 per month or $1,476 per year. That’s a fairly large quantity of money that can be saved for other financial purposes.

  1. Save On Food 

Food is an essential so you can’t really cut it out. However what you can cut out is your spending. There are numerous techniques to save on food that you probably haven’t thought of or dedicated to. For instance, strategize your meals for each week and cook yourself, organize a potluck with friends rather than going out, or make coffee at home. Dollars spent on a quick meal here and there can actually add up fast, so it’s all about planning. 

  1. Travel Financially Smart

Contemporary leverage lodging rental websites like Airbnb, Travelmob, or Housetrip, make it easy to locate a place to stay on vacation at a portion of hotel prices. Additionally, these places may have kitchens you can cook in (to save more money) and you can rent out your place at the same time (more money!).

  1. Work More 

This savings tip seems too apparent, but if your job allows it, be sure to do it. If not obtain a side job or freelance. Also, this leaves less time for spending. 

  1. Wait 48 Hours Before You Click “Buy” 

Don’t purchase items on an impulse. Especially in the age of online shopping, you’ll want to wait 48 hours before clicking “buy.” You’ll frequently recognize you really don’t need that extra jacket.

  1. DIY

There are endless “do it yourself” instructionals online to help you either fix things, create presents, or even make household beauty treatments. These will save you money and you can learn a lifelong skill.

  1. Impress Yourself, Not Others

Learn to be impressed with your savings development rather than trying to keep up with other people’s spending habits. Just because someone has an expensive car or purse doesn’t mean you need to get one. Impress yourself with your money saving skills.

  1. Chill With Your FOMO

The same idea pertains to the “fear of missing out” or FOMO. If your friends go out for drinks everyday, it doesn’t mean you have to. You’ll ultimately be happy with your savings triumphs and be less upset over a missed party.

  1. Don’t Get Discouraged

 Even if your savings don’t appear to be increasing exponentially, that doesn’t warrant you giving up. Begin by taking small steps and you’ll soon make a habit and then a lifestyle out of saving. Saving only one percent more is better than nothing, so do your best and stick it out.

Which Credit Card is Right for You?

As every person has different financial behaviors and goals, it is necessary for there to be a wide variety of credit card options on the market to suit these different lifestyle factors. If you are looking to obtain a credit card, here we offer three simple tips to consider when making your choice.

 

1) Know your credit score

 

When you check your credit score, it will reveal which card you are eligible for. A high score means more chance of receiving great benefits. You can improve upon your score by changing your spending habits and affecting your credit reports. Your bank can help you understand this process much more.

 

2) What do you need?

 

Not all credit cards are the same. There are cards that can improve upon your credit when it’s limited (e.g. Student or secured cards), there are cards that save money on your interest (low interest transfer cards), and cards that earn rewards (rewards or travel cards). Consider your lifestyle and spending habits to get clear on why you want a card in the first place. That will point you in the right direction.

 

3) Final Choice

 

When you narrow down the type of card you want, then you must choose between the many options of cards that are on the market. Though they are similar, examine the small point of difference and assess which one best suits you. Some secured and student cards will allow you to increase your limit later, for low interest options, you can create your own debt repay system, for rewards and travel cards there are different spending goal for bonuses required.

 

Basically, the small differences in each card can make a big difference in your overall benefits that you can experience for having a credit card. Which ever option you choose, be sure to have confidence that you can pay your debts in a timely manner and reach you financial goals in an affordable and efficient way.

Are you a business in need of accepting credit cards or online payment?  Contact ARX Payment Services at https://arxpay.com.

Benefits of Mobile Payments for Your Business

In the world of business and retail, the advancements in technology devices are making the act of business transactions more efficient and accessible for customers and business owners. The advent of mobile device payment options have come into the forefront of retail sales procedures in a big way this decade. This allows customers to pay on the go with a smartphone, tablet, apple or android device. When devices are linked with the correct applications and accounts, this makes online mobile payments a breeze. For businesses deciding whether to utilised this form of payment, here are a few of the advantages of the use of this technology.

– Safe and secure: Your customers data for their accounts and cards will remain safe with special encryption during the transaction.

– Inventory: Upload pictures, add descriptions and access your inventory data quick and easy on a mobile device.

– Sales history: You can view and manage sales history in an easy, effective manner when people use online devices. You wont have to wait to settle totals as when it comes to the past electronic transaction process of Eftpos.

 

The real benefits of utilising new methods of mobile payment devices lie beyond just these examples – it’s all about the efficiency and ease of the purchasing experience for customers. When your business boasts the use of these innovative technologies, your company is seen as a reputable, modern and innovative business which will draw even more customers to your retail products or services. There are many devices out there for you to choose from, and you can find a great selection of the range online, as well as expert advice and tips for which device is right for you.

For more information on Mobile Payments contact ARX Payment Services: http://arxpay.com/