Money is one of the main things that makes the world go round. If you’ve got cash, and plenty of it to spend on whatever you want because you scored your job a good 20 or so years ago, or you came up with a revolutionary idea and you’ve been raking it in since then, you’re sitting on top of the world. If you’re someone who needs to work two jobs at 60 hours a week, and an entire paycheck is gone in seconds to cover your bills, you’re not going to be happy about your chances at financial success whatsoever.
Money determines who we are and what we’re capable of in a class system, but there’s all kinds of ways to try and break out of this structure. It doesn’t even exist in the first place, so it won’t be too hard to find a way to increase your revenue stream, as long as you’ve got the time available to do so. And with the handy invention of the internet, and plenty of internet cafes and wifi hotspots dotted throughout our towns and cities, it’s easier than ever!
So you’ve got plenty of ways to bring in some good cash on a regular basis, and now’s the time to deal with how it goes out again. And there’s a lot of big expenses in life, so you’re going to see this happen more than you ever want to! But you can handle them better and better the more and more you spend, so let’s make sure you get a good head start by using some of the tips below.
Check your pockets, you never know when a spare bill or two is going to be lost in them!
See if You Can Pay Over Time
There’s a lot of ways to pay. If you’ve bought an item, and you use your paypal account or a credit card to pay for it, there’s a good chance you won’t have to offload the entire price all at once. You can use the credit alone to pay for it now, and then pay back later when you’re in a better position to do so, or you can pay small increments month by month (often with no interest added) to make the purchase (which is always a necessary item that’ll improve your quality of life) a lot more manageable.
Often enough, there’s a layaway program in the stores and shops we’re most likely to buy in, so ask about this to see if you’re eligible to join it. If you need a new laptop or smartphone, something that’s going to make making money easier and your life a whole lot more convenient to live, you can pay for it gradually over time. Sure, the store keeps the item until you’ve paid for it, but it’s much better to live with the knowledge that you’ll one day own a certain item, rather than just dream about it for the foreseeable future.
Negotiate as Much as You Can
It can be quite nerve wracking to try and do this, but when you make an effort to negotiate prices and contract terms with the companies that provide your gas and electric, for example, you’ll often find yourself in a better position than just accepting any of the standard terms listed on the website or a brochure. If you keep on asking, and don’t stop until you find the information you want, 9 times out of 10 you’ll be put through to someone who can make a money saving decision for you.
But you need to know what to say, and how to say it, so rehearse beforehand and always have some research on your side to make sure you’re not grasping at straws. Most of the time you’ll be in luck, as a company never wants to lose a customer, so they’ll be likely to at least knock anything from 5 to 10% off of your bill payment each month. Maybe you won’t get all of the premium features, but when you’re running on a budget, you weren’t ever going to afford them anyway.
Dealing with the Tax Issues
Taxes. They’re always the biggest expense you’re going to have to fork out for over your lifetime, and for good reason all in all. What you pay back in taxes goes to people like you and those who may be worse off than you, just to try and ease the pressure. But of course, it doesn’t always work like that, and thus there’s barely anyone out there who likes paying their taxes.
But when you know the basics, and you have all the receipts on hand from the past year to see if you can claim anything back, you’re going to be in a good position to smash it this year! And when there’s software like tpg enrollment out there, to help you out when you have absolutely no idea (and when you can’t afford an accountant to help), it’s going to be less of sweat to undertake as the years go by.
Budget with the Right Rules
There’s a lot of budget plans out there, and there’s never a one size fits all solution when it comes to them, so make sure you’re always on the lookout for better ideas if the plan you’re currently using doesn't seem like it’s doing anything for you. Sure, it can feel like something is better than nothing, but this is your money we’re talking about, and you shouldn’t ever waste it in your efforts to protect it.
At the same time, budgeting can be quite simple on the surface, so always take it at face value, and try to account for a yearly budget rather than a monthly one. That’ll make your attempts to save a lot easier, as you look at the whole picture instead of a one off good or bad month you had.
Take the time to know your costs; you’re never alone in facing them!