12 Tips to Save Money

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Make Monthly Budget

It’s an old advice but most of us don’t follow it. We are too lazy to spend our time in making budget.Trust me, you can save a good money if you plan ahead with a budget. Don’t spend too much time like a professional but stay as simple as possible.

Just keep the track of your cash and credit card transactions for one month. Your next month budget will be prepared automatically.

Try it. Record following expenses for the current month.

Cash

Save money

  • Rent
  • Child’s Education
  • Travel
  • Daily Consumables (Dairy+Vegetable)
  • Local Living Expenses

Credit Card

Credit card

  • Online Shopping
  • Bills (Mobile, Internet, TV)
  • Dining (Restaurants)
  • Travel (Cabs, Train, Flight)
  • Insurance (Car, Health, Life)

Open Savings A/c in Bank offering highest interest rate

Savings

Why to only think complicated when it comes to savings money.You will agree that the easiest way to save money from salary is by opening a savings account.We do not consider savings account as best option because it offers low interest on savings account.

But let me ask you this question, do we have an option?

If we are not opening a savings account can we manage with something else? No we do not.

One has no alternative to savings accounts.

What saving account to do for us? It helps us to receive salary, pay bills, get debit card/credit cards, avail home loan etc.So why to needlessly ponder about low yields from savings account.

Better option is to choose the best from the worst. Yes, these days not all banks offer same interest on savings accounts.

A good idea will be to have our savings account in a bank that is offering highest interest rates.

Interest Rates on Savings Account

Deposit Type                     Name of Bank                   Offered Interest Rate on deposit below Rs.1L

Saving                                   RBL Bank                              5.1%

Saving                                   Yes Bank                              5.0%

Saving                                   Kotak Bank                         5.0%

Saving                                   Bandhan Bank                   4.25%

Saving                                   IndusInd Bank                   4.0%

 

Always Save Money for Birthday’s & Anniversaries

Always save money

It is my personal experience that, not saving for birthday’s and anniversaries can lead overspending.Birthday’s and Anniversaries are such events that happen on a fixed date each year.

Depending on ones requirement, it is advisable to save 12 months prior to the real expense date.

Suppose you are 3 people in your family.

It is only inevitable to arrange some gathering and buy gifts during this day.

If the expense is inevitable why not save for it from start of the year?

If we will save, at the end of the year we will exactly know how much we can afford.

If we do not save, this expense will happen anyway.

Probably we will dig into our other savings to fund this  requirement. This leads to overspending.

So better is to fix a budget, save for it, and spend what is planned.

Tips For Saving Money

Tips for saving money

  1. Prepare and stick to a Budget:

As clichéd as it may sound, having a budget for your monthly expenses is a must. It helps a lot to curb and control the outflow. Also, in the budget make a compulsory provision for savings and then from the balance, chalk out a monthly budget. From your salary keep aside 10% as savings and whatever 90% remains, that should be your disposable income and not the other way round, where you spend first and save later.

  1. Compare and Bargain:

However down market it may sound, bargain. Bargain as if it’s your birth right. Everyone has margins when they sell and in today’s scenario with slow economy, they will go the maximum length to get the sale closed as soon as they can. Also it’s easy to bargain as you can compare prices of stuff online on various websites from flipkart, ebay, olx, quickr and lot more. Even if you do not like online shopping, keep the prices handy and when you visit a store, ask them that this is the price you are getting online; even in case of large showrooms.

  1. Brands, do you need to flaunt them all the time?

Saving money in India can be a lot easier if people stopped running behind brands all the time. There’s nothing wrong in liking brands, however it’s OK to indulge once in a while, but not always. Avoid brands for your day to day clothes and accessories and go for less expensive ones, for consumer durables or stuff like furniture ask around if someone knows some wholesaler as they will have the same stuff for much cheaper prices. Also you can always pick them up when they have end of season sale and save big money.

  1. Shop with a list:

Whatever things you might need, make a list of it and only then step out in the market to buy and not the other way round where you go and see what’s available and keep buying. This money saving tip will help a lot to cut down your monthly expense. There are retail stores and supermarkets everywhere these days and a lot of things are displayed. This will tempt anyone to try out new things or purchase stuff they do not actually need. Just stick to the shopping list and only buy the things you have written. This will keep you in your budget and also avoid unnecessary expenditure on un-needed stuff.

  1. Postpone purchases, look out for sales:

An important money saving idea is postponing something you want to buy. Postponing your purchase will give time for the impulse to die down and rational thinking to takeover. Once you know your budget and have also made a list of essential stuff you need in a month to survive healthily and decently, extra purchase should only be made if you have the spare money. And this does not include the compulsory savings that you should be putting aside every month as explained above. Save for the new stuff, whatever it is, and only once you have saved for it, purchase it. Also if you feel like you just want to have the latest gadget, fair enough, but wait for a couple of months. The price falls soon for these things.

Also now we have sale everywhere every 3 months. These are not just on clothes but on everything from gadgets to home appliances etc. Save for them and make your purchases during this time. But again remember to not go overboard and stick to your needs and not wants.

Save money

  1. Buy in bulk, check a retail departmental store:

Stuff like groceries and other items that you will use throughout the month should be bought once and in bulk. Bulk purchase may entitle you to get lower prices, for instance a can of a litre of oil will be cheaper compared to a sachet of 250-500 grams. Also check out departmental stores and supermarkets as they usually have discounts and offers on bulk purchases like cash discounts, one on one free, lower than MRP price and stuff like that, which will lower your monthly expenses to a good extent.

  1. Consider online shopping:

Internet has its share of advantages and apart from adding convenience in our lives it helps to save money too. There are lot of sites that give out free coupons and special offer codes for you to purchase stuff at leading online eCommerce sites. Google for coupons and discounts codes and use them to make your purchase online. Moreover stuff that you are looking for be it shoes, magazines, toys, gadgets, furniture etc. all is available online, and you can inspect them and only pay once you are satisfied with the cash on delivery option. These will be lower priced than in any showroom and most of it would be even half of it.

  1. Use loyalty cards instead of credit cards:

Another important part of disciplined money saving is ditching the credit and using debit cards or cash or cheque for payments. This will stop you from buying stuff when you do not have the money for it or can’t afford it. Yes there are schemes like zero percent EMI and stuff, but understand those here before purchasing under them, as they too can be more costly than you think. Also opt for membership or loyalty cards of various stores as they are free and will add points to your cards on every purchase you make, that you can redeem later on by getting that amount deducted on future purchase and save money that time.

  1. Prepaid Mobiles and Movies on a weekday:

Getting a prepaid mobile connection will in a way put breaks on your talk time and result is lower outflows. Post-paid connections can result in long bills at times, but in prepaid connection, if you crossed your amount you would know how much you are using and the outflow while recharging it every time will teach you control your mobile bills.

Also catch a movie on a weekday evening instead of weekends as prices are almost double on weekends. If you have to go on a weekend, try doing it before noon as you will get lower ticket prices. Avail of those one on one free ticket offers if you have that option from your mobile service provider.

  1. Walk, for your own and financial health:

Humans should walk at least 10,000 steps a day to be healthy, says a study. Well I don’t know about that but walking to nearby areas can be healthy for you and your money. Autos and taxis are insanely priced these days and it can be a good exercise to walk to the railway station or bus stop if it is within a kilo meter. And it’s good for your health too. Even if you have a vehicle, petrol or diesel aren’t a cheap commodity either.

  1. Set aside cash for 3 months worth expenses:

No matter how hard stringed you are, just be a bit more hard pressed and save some cash for at least 3 months worth of expenses to meet any eventuality and have funds as a back-up. You may not need it ever but still it is there in case you would. Do not touch this fund for any reason. Whatever shortfall you have, adjust it from your lifestyle and curb unwanted expenses. The 3 month fund can be handy if you were to lose your job or there is some urgent medical emergency or anything. That time you will thank your own self that you saved.

  1. Start investing:

Most importantly, mere saving will not grow your money. The saved money should be invested to really unlock the potential of these savings. All your savings apart from the 3 month contingency fund should be invested in diversified ways. If you haven’t you can check here on how to start investing.

Conclusion

These simple money saving tips can be quiet handy and help you save and also teach you to be disciplined and not be broke at the end of the month. Try them and see the difference for yourself.

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Top 5 Tips to Clean the Gold Jewellery

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Gold is the important metal in the world. In our life we can’t avoid gold particularly in India.

Cleaning jewellery with dish soap

  • You can clean your water with dish soap
  • Put some dish soap in warm water
  • Then put the gold in that solution
  • Soak for some time in soapy water
  • Then scrub the gold with soft brush
  • Then wash the gold with warm running water
  • Then dry the gold with soft cloth

Cleaning Jewellery with Ammonia

Gold

  • Ammonia can damage certain materials often used in jewelry.
  • Don’t use ammonia when cleaning gold jewelry pieces that contain platinum or pearls.
  • Add one part ammonia to six parts water.
  • Stir gently to ensure an even mixture.
  • Soak the jewelry in the mixture for no more than one minute
  • Rinse the jewelry thoroughly under running water
  • Gently dry the jewelry with a soft polishing cloth
  • Gold

Cleaning Jewellery with Glued-In Gemstones

  • Know which types of jewelry should be kept dry
  • Wipe the jewelry with a wet, soapy cloth
  • “Rinse” the jewelry with a cloth dampened with plain water
  • Lay or hang the pieces upside down after cleaning
  • Cleaning Jewellery with Toothpaste

Use this method with care

  • Mix a small quantity of toothpaste and water
  • Scrub with a (soft-bristled) toothbrush
  • Rinse generously in clean water
  • Using Boiling Water
  • Know when boiling is appropriate

Bring water to a boil

Carefully pour the water over your jewellery

Wait for the water to cool

Conclusion:

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What is the importance of water in our body?

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Have you ever wondered how much of your body is water? The percentage of water varies according to your age and gender. Here’s a look at how much water is inside you.

By weight, the average human adult male is approximately60% water and the average adult female is approximately 50%. There can be considerable variation in body water percentage based on a number of factors like age, health, weight, and sex. In a large study of adults of all ages and both sexes, the adult human body averaged ~65% water. However, this varied substantially by age, sex, and adiposity.

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The figure for water fraction by weight in this sample was found to be 58 ±8% water for males and 48 ±6% for females. The body water constitutes as much as 73% of the body weight of a newborn infant, whereas some obese people are as little as 45% water by weight. This is due to how fat tissue does not retain water as well as lean tissue. These statistical averages will vary with factors such as type of population, age of people sampled, number of people sampled, and methodology. So there is not, and cannot be, a figure that is exactly the same for all people, for this or any other physiological measure.

Most of animal body water is contained in various body fluids. These include intracellular fluid; extracellular fluid; plasma; interstitial fluid; and transcellular fluid. Water is also contained inside organs, in gastrointestinal, cerebrospinal, peritoneal, and ocular fluids. Adipose tissue contains about 10% of water, while muscle tissue contains about 75%.

In Netter’s Atlas of Human Physiology, body water is broken down into the following compartments: In Netter’s Atlas of Human Physiology, body water is broken down into the following compartments:

• Intracellular fluid (2/3 of body water) is fluid contained within cells. In a 72-kg body containing 40 liters of fluid, about 25 liters is intracellular, which amounts to 62.5%. Jackson’s texts states 70% of body fluid is intracellular.

• Extracellular fluid (1/3 of body water) is fluid contained in areas outside of cells. For a 40-litre body, about 15 liters is extracellular, which amounts to 37.5%.

• Plasma (1/5 of extracellular fluid). Of this 15 liters of extracellular fluid, plasma volume averages 3 liters, or 20%.

• Interstitial fluid (4/5 of extracellular fluid)

• Transcellular fluid (a.k.a. “third space,” normally ignored in calculations) contained inside organs, such as the gastrointestinal, cerebrospinal, peritoneal, and ocular fluids.

• The amount of water in the human body ranges from 50-75%.

• The average adult human body is 50-65% water.Most of the body’s water is in the intracellular fluid (2/3 of the body’s water). The other third is in the extracellular fluid (1/3 of the water).The amount of water varies, depending on the organ. Much of the water is in blood plasma (20% of the body’s total). According to a study performed by H.H. Mitchell, published in the Journal of Biological Chemistry, the amount of water in the human heart and brain is 73%, the lungs are 83%, muscles and kidneys are 79%, the skin is 64%, and the bones are around 31%.

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For example, a 70-kg man is made up of about 42L of total water.

  • 28 liters is intracellular water
  • 14L is found in extracellular fluid of which
  • 3L is blood plasma,
  • 1L is the transcellular fluid (cerebrospinal fluid, ocular, pleural, peritoneal and synovial fluids).
  • 10L is the interstitial fluid (including lymph), which is an aqueous medium surrounding cells.

so majority(66%) of the  body water is inside the cells.so we are’t in the form of water.

  • Water is the primary building block of cells.
  • It acts as an insulator, regulating internal body temperature. This is partly because water has a high specific heat, plus the body uses perspiration and respiration to regulate temperature.
  • Water is needed to metabolize proteins and carbohydrates used as food. It is the primary component of saliva, used to digest carbohydrates and aid in swallowing food.
  • The compound lubricates joints.
  • Water insulates the brain, spinal cord, organs, and fetus. It acts as a shock absorber.
  • Water is used to flush waste and toxins from the body via urine.
  • Water is the principal solvent in the body. It dissolves minerals, soluble vitamins, and certain nutrients.
  • Water carries oxygen and nutrients to cells.

Conclusion:

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