Saving Money Archives - Shopping Kim Shopping | Knowledge | Inspiration | Momentum Sat, 02 Mar 2024 04:51:51 +0000 en-US hourly 1 https://wordpress.org/?v=6.4.5 https://shoppingkim.com/wp-content/uploads/2021/03/cropped-favicon-2-32x32.jpg Saving Money Archives - Shopping Kim 32 32 Smart Ways to Save Money When Buying a Car https://shoppingkim.com/save-money-when-buying-a-car/ https://shoppingkim.com/save-money-when-buying-a-car/#respond Mon, 30 Oct 2023 13:30:16 +0000 https://shoppingkim.com/?p=40740 Let’s face it: buying a car is often a significant financial undertaking. However, did you know there are clever strategies to save a few bucks in the process? Dive in …

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Let’s face it: buying a car is often a significant financial undertaking. However, did you know there are clever strategies to save a few bucks in the process? Dive in to explore and understand these tips. Buckle up for a financial ride!

Why Saving Money on Car Purchases Matters

Sure, who doesn’t want a shiny new vehicle? But, if you’re like many, you’re looking for value and savings. After all, isn’t it sweet to drive off the lot knowing you scored the best deal?

Top Tactics to Save Big on Your Next Vehicle Purchase

1. Do Your Homework

Knowledge is power. Before setting foot in a dealership, research different car models, reviews, and the average selling price. This ensures you’re not caught off-guard or pressured into a quick decision.

2. Time Your Purchase Right

Did you know dealerships have sales targets? Often, they’re more inclined to negotiate at the month’s end to meet these quotas. So, marking the calendar might be your secret weapon.

3. Opt for Pre-owned Vehicles

Consider buying a used car. Wait, hear me out! With a Mercedes vin check, you can ensure you’re getting a quality vehicle with no hidden issues. This way, you’re spending less but still driving in style.

4. Understand Your Financing Options

Secure your loan from banks or credit unions, offering better rates than most dealership financing.

5. Don’t Shy Away from Negotiating

Dealers expect haggling. Approach with confidence and know that it’s all part of the game. Remember, the worst they can say is no.

6. Trade-in or Sell Your Old Car

Instead of letting your old car gather dust, why not trade it in or sell it? The money can offset the cost of the new purchase.

Additional Tips and Tricks

  • Skip the Add-ons: Dealers make a hefty profit on extras. Stick to the essentials and decline those you don’t need.
  • Shop Online: You’d be surprised how many dealerships offer exclusive online deals. Plus, it’s convenient and hassle-free.
  • Be Patient: Don’t be in a rush. Wait for the right deal, even if it means walking away initially.

The Emotional Connection

Think of cars as more than just vehicles. They’re experiences, memories, and stories waiting to happen. By saving money on your purchase, you’re setting yourself up for more adventures and, well, more gas money!

Conclusion

Making smart car buying decisions doesn’t have to feel like navigating a financial maze. With a bit of preparation and the right mindset, you can save significant cash and still get the car of your dreams. Ready to make a savvy move on your next vehicle?

FAQs

How do I know if a used car is a good deal?

Research its market value, history, and consider a detailed vin check to ensure its quality.

Is it better to buy from a dealership or a private seller?

Both have pros and cons. Dealerships may offer warranties, while private sellers might provide lower prices. Always do your due diligence.

Can I get a loan if I have bad credit?

Yes, but the interest rates might be higher. Shop around to find the best terms.

When is the best time of year to buy a car?

Late December is often ideal as dealerships want to clear out inventory for the new year.

Are online car listings trustworthy?

While many are legit, always meet in person, check the vehicle, and avoid wiring money upfront.

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How to Enjoy Mauritius on a Shoestring Budget: Ultimate Guide https://shoppingkim.com/mauritius-on-a-budget/ https://shoppingkim.com/mauritius-on-a-budget/#respond Fri, 25 Aug 2023 21:00:08 +0000 https://shoppingkim.com/?p=39985 Dreaming of basking in the beauty of Mauritius without breaking the bank? Well, your dream can become a reality with some savvy planning and clever choices. Mauritius, with its stunning …

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Dreaming of basking in the beauty of Mauritius without breaking the bank? Well, your dream can become a reality with some savvy planning and clever choices. Mauritius, with its stunning landscapes and warm hospitality, offers a paradise that’s accessible to budget-conscious travelers. This guide will unveil the secrets to enjoying a memorable getaway to Mauritius on a shoestring budget.

Traveling Smart

Embarking on a budget-friendly adventure requires meticulous planning. From accommodations to flights, every aspect should be meticulously arranged to avoid unexpected expenses and ensure a smooth journey. Mauritius promises awe-inspiring experiences that won’t drain your wallet, leaving you enchanted with its charms and allure. Planning is key for such a journey!

Seasonal Strategy

Why not embrace the magic of Mauritius during its low season? From January to April and October to November, this island gem unveils its quieter side, providing budget travelers with a golden opportunity. During these months, accommodations and flights come at a fraction of their peak-season prices, enabling you to maximize your savings.

Affordable Abodes

Luxury resorts? Not for budget explorers. Opt for pocket-friendly lodgings like guesthouses, hostels, or self-catering apartments. These options deliver comfort without the hefty price tag, allowing you to stretch your budget further. Venture slightly off the beaten path or seek accommodations away from the bustling shores for unbeatable deals.

Navigating the Island

Public transportation is your wallet’s best friend in Mauritius. The island’s bus system is not only cost-effective but also a fantastic way to traverse the picturesque landscape. For a more personalized adventure, consider renting a bicycle or scooter, giving you the freedom to explore at your own pace.

Beach Bliss

Mauritius boasts captivating public beaches that come without a price tag. Forget pricey beach clubs – pack your towels, snacks, and beverages, and unwind on pristine shores. The likes of Trou aux Biches, Pereybere, and Mont Choisy beckon, offering a slice of paradise that’s budget-friendly.

Delicious Deals

Embrace the flavors of Mauritius through its street food scene. Local vendors and quaint eateries serve up delectable treats like samosas, dholl puri, and gateaux piments, alongside succulent tropical fruits. Your taste buds will rejoice, and your wallet will thank you for savoring affordable culinary delights.

Thrifty Thrills

Engage in activities that won’t drain your budget. Mauritius presents a plethora of options, from free hikes through nature’s wonders to leisurely strolls through botanical gardens and vibrant local markets. Unwind on the sandy shores or soak in the island’s enchanting ambiance without spending a fortune.

Wise Water Adventures

Water sports might be alluring, but costs can soar. Prioritize affordable activities, like snorkeling, which offers a budget-friendly underwater exploration. Bring your snorkeling gear to sidestep rental fees and dive into an aquatic adventure without diving into your savings.

Stay Hydrated, Save Big

Quench your thirst with confidence – Mauritius boasts safe tap water. Ditch the disposable bottles and carry a reusable one to refill throughout your journey. Not only will you save money, but you’ll also contribute to a cleaner environment by reducing plastic waste.

Free Treasures

Mauritius is a treasure trove of attractions that come at no cost. Experience the enchantment of Chamarel Colored Earths viewpoint, the spiritual aura of Ganga Talao (Grand Bassin), and the breathtaking beauty of the Black River Gorges National Park – all without spending a rupee.

Proven Tips for Saving Money

  1. Pack Light: Avoid excess baggage fees by packing efficiently and only bringing the essentials.
  2. Cook Your Meals: If your accommodation has kitchen facilities, prepare some of your own meals to cut down on dining expenses.
  3. Shop Local Markets: Explore local markets for fresh produce and souvenirs at more affordable prices.
  4. Opt for Group Activities: Many tours and excursions offer discounts for groups, so consider joining forces with fellow travelers.
  5. Use Free Wi-Fi: Stay connected without paying extra by using free Wi-Fi available in cafes, hotels, and public spaces.
  6. Plan Early: Book flights and accommodations well in advance to secure lower prices and better deals.
  7. Utilize Travel Apps: Use travel apps to find discounts, compare prices, and discover hidden gems.
  8. Choose Free Entertainment: Take advantage of free cultural events, festivals, and local performances during your stay.
  9. Share Transportation: Split the cost of transportation with fellow travelers when exploring the island together.
  10. Travel Insurance Comparison: Compare travel insurance options to find coverage that suits your needs at the best price.

The Perfect Budget Escape

By following these tips, you’ll transform your budget into a passport for unforgettable experiences in Mauritius. Let the island’s beauty, culture, and allure wash over you, all while keeping your wallet intact. Your journey to Mauritius on a shoestring budget is just a few savvy choices away.

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7 Smart Budgeting Tips for Big Families https://shoppingkim.com/budgeting-tips-for-big-families/ https://shoppingkim.com/budgeting-tips-for-big-families/#respond Thu, 10 Aug 2023 13:45:54 +0000 https://shoppingkim.com/?p=39816 Budgeting is an essential skill that helps families manage their finances effectively. For larger families, the task can be even more challenging due to the increased number of needs and …

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Budgeting is an essential skill that helps families manage their finances effectively. For larger families, the task can be even more challenging due to the increased number of needs and wants. However, with the right strategies and a bit of discipline, it’s possible to maintain a healthy financial state while ensuring everyone’s needs are met. This article will provide you with smart budgeting tips specifically tailored for big families.

Understanding Your Income and Expenses

The first step in smart budgeting is understanding your income and expenses. This involves tracking all sources of income and every expense, no matter how small. It’s crucial to know where your money is coming from and where it’s going. This will give you a clear picture of your financial situation and help you identify areas where you can cut back or save.

Making Use of Technology for Budgeting

In today’s digital age, there are many tools and apps available that can simplify the budgeting process, as well as websites like Upgraded Reviews that can guide you toward the best product for your budget. These tools can help you track your income and expenses, set financial goals, and even alert you when you’re nearing your budget limit.

Creating a Realistic Budget

Once you understand your income and expenses, the next step is to create a realistic budget. This should include all your fixed costs, such as mortgage or rent, utilities, and groceries, as well as variable expenses like entertainment and personal care. Remember, a budget is not about restricting spending but about planning and making informed decisions. It’s essential to involve all family members in this process to ensure everyone understands and commits to the budget.

Prioritizing Needs Over Wants

One of the most effective ways to manage a big family budget is by prioritizing needs over wants. This means focusing on essential expenses like food, shelter, and healthcare before considering non-essential spending. It’s important to communicate this idea to all family members, especially children, to help them understand the difference between needs and wants and the value of money.

Saving for Emergencies

Emergencies are unpredictable, and without proper planning, they can wreak havoc on your budget. Therefore, it’s crucial to set aside a portion of your income for emergencies. This fund should be easily accessible and only used for genuine emergencies. Having an emergency fund provides a financial safety net and reduces the stress associated with unexpected expenses.

Making Use of Discounts and Sales

One of the smart ways to stretch your budget is by taking advantage of discounts and sales. This could mean buying in bulk, using coupons, or shopping during sales. However, it’s important to only buy what you need and avoid impulse purchases. This strategy can significantly reduce your grocery bill and free up money for other expenses or savings.

Planning for Large Expenses

Large expenses, such as vacations, home renovations, or new appliances, can significantly impact your budget. Therefore, it’s important to plan for these expenses in advance. Start by estimating the cost, then create a savings plan. This could involve setting aside a certain amount each month or finding ways to increase your income. By planning ahead, you can avoid financial stress and enjoy these large purchases without straining your budget.

Budgeting for a big family may seem daunting, but with the right strategies, it’s entirely manageable. By understanding your income and expenses, creating a realistic budget, prioritizing needs over wants, saving for emergencies, and making use of discounts and sales, you can achieve financial stability. Remember, the journey to financial stability is a marathon, not a sprint. It requires patience, discipline, and consistency. But with time and effort, you’ll reap the benefits of your smart budgeting.

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4 Money Saving Tips for Your Next Big Trip https://shoppingkim.com/money-saving-tips-for-vacation/ https://shoppingkim.com/money-saving-tips-for-vacation/#respond Tue, 18 Jul 2023 16:05:46 +0000 https://shoppingkim.com/?p=39440 Travel doesn’t have to break the bank! There are a lot of money-saving life hacks out there; unfortunately, they’re not always practical or as effective as they claim. We’ve compiled …

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Travel doesn’t have to break the bank! There are a lot of money-saving life hacks out there; unfortunately, they’re not always practical or as effective as they claim. We’ve compiled a short list of the top 4 best budget travel tips that are realistic and easy to follow.

1. Check Local Laws and Regulations

No matter where you’re going, reading up on local laws, regulations, and ordinances is always a good idea. Doing your research can help you get a better idea of what to expect during your trip and avoid any trouble. For example, many pools and water parks in Germany allow nudity during certain hours. That could be a bit shocking if you aren’t expecting it – and you’re probably not going to get a refund!

If you’re a smoker, check the rules regarding where – and what – you can smoke. For example, many places don’t allow smoking or vaping on public transit, and several countries have different rules about purchasing smoking or vaping products, such as those found on ca.relxnow.com. Checking beforehand can help avoid hefty fines or wasting money on a negative experience.

2. Try a Price Tracking App

Price tracking apps like Hopper are the hot new tool for finding the best flight prices. Hopper shows you historical prices to help predict when tickets will be cheapest and will notify you when prices drop so you can make sure you’re getting the best price. You can use it to book hotels and rental cars, too!

3. Use a VPN and Incognito

A VPN – or Virtual Private Network – is a privacy tool that hides your IP address and can make it look like you’re accessing the internet from any location you choose. Incognito is a privacy browsing option in Google Chrome, and several web browsers also have their own version. How do these help you save money?

When shopping for tickets – especially for flights – many sites track your IP address and raise the price you see over time, especially if their algorithm thinks you’re interested. VPNs and private browsing can prevent IP tracking so you see the real price. Prices may also drop if you set your VPN to another country!

4. Take Advantage of Public Transit

Public transit is often much cheaper and faster than ride-shares or taxis when it’s available. It may require some research beforehand, especially if you’re unfamiliar with the system or don’t speak the local language. If you’re going somewhere you won’t have service, it’s a good idea to keep a physical map of the transit system and mark important stops for places you want to go.

Final Thoughts

Many travel hacks you see require a lot of luck – and comfort sacrifices. They aren’t always practical, but you can never go wrong by reading up on local laws before you go. VPNs, private browsers, and price-tracking apps are all great tools to help you get the lowest prices, and public transit is often the best and least expensive way to get around your destination.

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Use These Easy Tips to Cut Heating and Cooling Costs https://shoppingkim.com/cut-heating-and-cooling-costs/ https://shoppingkim.com/cut-heating-and-cooling-costs/#respond Sun, 16 Jul 2023 02:49:54 +0000 https://shoppingkim.com/?p=39437 As the cost of living goes up, more and more people are looking for ways to cut costs. Heating and cooling is often the first thing on the chopping block, …

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As the cost of living goes up, more and more people are looking for ways to cut costs. Heating and cooling is often the first thing on the chopping block, because, while you can’t control the cost of energy, you can control how much of it you use. Many people prefer to just put on a sweater in the winter, or turn on a ceiling fan in the summer, rather than pay increased energy costs.

Cutting your heating and cooling costs is easy. You can save a lot of money just by turning your thermostat back several degrees for eight hours a day while you’re out of the house, and when you’re in the house don’t turn it up too high, either. You can keep heat out in the summer, and cold out in the winter, but drawing the shades. Seal up drafts so that air can’t escape from your home. Use your ceiling fans in summer and winter to create air flow, and run your heat-generating appliances at night in the summer to avoid heating up your home.

Install a Smart Thermostat

A smart thermostat can save you 15 percent on cooling costs and 10 to 12 percent on heating costs, so it’s definitely worth the few hundred dollars it can take to install. You can set a smart thermostat to keep it warmer or colder in your house while you’re out at work for the day, so you’re not paying for a lot of energy to keep your home at a comfortable temperature while you’re not there to enjoy it. For example, in the summer, you could set your smart thermostat to keep your home at 80℉ while you’re at work, and then cool the house to 72℉ right before you come home from work. That can save you a lot of money during the day. And because you’ll be able to connect to a smart thermostat with your phone, you can adjust the temperature remotely if, for example, you need to come home early one day.

Keep the Sun Out

In the winter, it’s fine to let the sun beat through the windows while it’s shining on the house – it can help heat up the interior somewhat. But for the most part, if you’re trying to save on heating and cooling costs, you should keep your shades drawn as much as possible. It keeps heat out in the summer and cold out in the winter. Keeping your shades drawn can also protect your flooring and furniture from UV damage.

Seal Up Drafts

Drafty doors and windows can mean losing a lot of heat in the winter and can let in warm air during the summer. Check around your doors and windows for gaps and cracks. You should also check around where any pipes come into your home.

To check for drafts, light a stick of incense and wave it around the edges of a window or door. The smoke will help you identify areas where air is flowing in or out of your house. You’ll see the smoke sucked in or blown away depending on how the air is flowing. Seal up drafty doors and windows to keep your climate controlled air inside.

Use Your Ceiling Fans Year-Round

A ceiling fan can make a room feel several degrees cooler in the summer, and significantly reduce your dependence on your air conditioning. If you don’t have space for a large ceiling fan, you can buy a small caged ceiling fan for your space. In the winter, reverse the direction of your fan blades so they spin clockwise. This will push warm air back down from the ceiling and help keep it from escaping your house, while also allowing you to feel warmer with less reliance on the thermostat.

Run Heat-Generating Appliances at Night

In the summer, you should run heat-generating appliances, like the dishwasher, oven, and clothes dryer, at night to help keep the inside of your house cool. At night, you can open windows to let the warm air these appliances create dissipate instead of lingering in your home. Letting in cool air at night can also help you keep your home cool with less reliance on air conditioning.

Who isn’t looking to cut heating and cooling costs these days? With a few simple changes, you can cut 10 to 15 percent or more off your heating and cooling expenses. Then you’ll have more money to spend on the things you really enjoy.

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How Do You Know If Your Credit Card Is Worth Its Fee? https://shoppingkim.com/credit-card-fees/ https://shoppingkim.com/credit-card-fees/#respond Mon, 25 Jul 2022 19:57:12 +0000 https://shoppingkim.com/?p=35342 According to research, approximately 32 percent of credit cards on the market have an annual fee. This means that while the vast majority of cards don’t have a fee, if …

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According to research, approximately 32 percent of credit cards on the market have an annual fee. This means that while the vast majority of cards don’t have a fee, if you’re looking for a card with the best perks, you need to be prepared to pay an annual fee. However, how do you know if your credit card is worth its fee? Here we’ll look at how you can assess a card to determine if you should keep the account open and continue paying the annual fee.

Why Credit Card Issuers Charge Annual Fees:

Before we explore how to know if your credit card is worth its annual fee, it is important to understand why credit card issuers charge annual fees.

Credit card issuers often charge annual fees to offset the cost of offering various card features and benefits. It is easy to see that credit card companies would not be able to offer hundreds of travel credits each year, competitive rewards, and other perks for free. So, if you want to enjoy a luxury credit card or you prefer the facility to earn generous rewards, you should expect to pay a fee.

Understand Your Annual Fee:

The first step is to work out if your card is worth an annual fee is to understand just how much you’re paying each year. According to a 2018 research poll, over half the participants did not know how much their credit card annual fees were. You cannot possibly assess the value of your card if you don’t know what you’re paying.

Many people get a little confused because their card issuer waived the fee for the first year. This means that you will have had the card for a while before a fee arrives on your statement. The fee is usually billed in a lump payment on your card anniversary. So, you may need to check back on your statements or check your account paperwork to see what the annual fee is.

Do The Card Perks Have Value to You?

Next, you will need to think about whether you would actually value the card perks. If you don’t particularly travel, getting lots of travel perks will not be worth much to you. Your ideal card should have perks that represent value to you. This doesn’t necessarily mean a monetary value. For example, while you may not typically pay for lounge access or seat upgrades, if these come with your card, you may appreciate them.

Likewise, if the card offers additional rental car insurance, it can provide peace of mind if you use a rental a couple of times a year.

So, look at the full list of card perks to see if they appeal to you and you would benefit from them.

Would You Need to Change Your Lifestyle to Access Card Benefits?

While earning bonus points and accessing card perks are great, if you need to change your lifestyle to access these benefits, it is not the right card for you. This is most typical with welcome bonuses. Although the prospect of a very generous welcome bonus is appealing to many consumers, if the minimum spend requirement is too high, you will struggle to meet it and miss out on a bonus. In this scenario, you would be better off with a card that has a smaller welcome bonus and a more achievable spend requirement.

Instead of thinking about how much you’ll need to spend to receive a card perk, consider how quickly you can recoup the annual fee just with your typical spending habits and standard living expenses. For example, if you have a large family and typically spend a lot on groceries each month, your best card option would give you a higher rate of rewards for grocery purchases. With the rising cost of groceries, a Credit Cards for Groceries could be a great way to offset this, earning rewards without needing to make significant changes to your spending patterns.

Perk Value vs Annual Fee:

The final way to know if your credit card is worth its fee is to compare the value of all the card perks with the annual fee. Break it down to see if the annual fee feels worth it to you. For example, if your card has a $500 annual fee, you need to feel confident that all the card benefits you receive equal to or exceed $500.

For example, if you have a travel credit card such as the Chase Sapphire Reserve that offers $300 of travel credits, it is easy to see how it can help offset a $500 annual fee. When you factor in lounge access, car insurance, and other perks, the value of this card is obvious for regular travelers. However, sometimes whether the card perks outweigh the annual fee is a little more complicated and you’ll need to do a little math.

For example, if you have a cash back card that offers a percentage of your purchases as rewards, look at what you typically spend on groceries, restaurants, and gas station purchases. Then look at what percentage of cash back you could earn.

For example, if you earn 5% cash back on groceries and you typically spend $1000 a month, you’ll get $50 of cash back each month or $600 per year. This would easily offset a $500 annual fee alone. If another card offers 3% grocery cash back, it may seem like a worse offer as you’d only get $30 a month. However, if you’re only paying a $95 annual fee, you’ll actually have more rewards, $265 vs $100. So, if the basis of getting your card is purely for grocery shopping rewards, the lower annual fee card is actually a better deal for you.

Of course, you will need to look at more than one reward category, so take a little time to sit down with your budget and work out how much each card could offer you and whether the card is worth the fee for you.

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Can You Really Save Money by Attending a Community College? https://shoppingkim.com/community-college-savings/ https://shoppingkim.com/community-college-savings/#respond Tue, 12 Jul 2022 12:56:53 +0000 https://shoppingkim.com/?p=35120 If you are graduating from school in a year or so, chances are that all your thoughts are currently busy with all the planning for college. These days, going to …

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If you are graduating from school in a year or so, chances are that all your thoughts are currently busy with all the planning for college. These days, going to college is a necessity if you want to be prepared for the future and build a successful career. We all know this. But there is always this one thing that gets in the way – the high cost of higher education.

It shouldn’t be a secret to anybody that attending college is expensive. The overall cost of your education depends on a variety of factors. Of course, if you’re lucky to win a scholarship or prefer to get help with essay writing for cheap, you can save some money. But, one way or another, it is a major expense that can be hard to afford.

Thinking about the high cost of education, many young people decide that community college is the right option for them because such schools are considered to be much cheaper. But is it really so? In this article, an expert from a trusted essay service will help us figure this out.

Community College: Potential Savings

So, can you really save money by choosing a two-year community college over a traditional four-year college or university? The short answer is yes; you can save money by taking this path. The reason for this is the low cost of tuition and fees at such schools.

Let’s look at some numbers here. According to Education Data, the average in-state community college tuition ranges from as low as $1,300 to slightly over $7,500 per year. The country’s average is $3,400 for in-state students and $8,210 for out-of-state students.

Now, let’s compare this to the cost of four-year schools:

  • public four-year college (in-state) – $10,740
  • public four-year college (out-of-state) – $27,560
  • private four-year college – $38,070

As you can see, the price range is significantly higher. And, if we look at the cost of more popular universities, it only gets worse.

If you do a bit of math, you can see that by going to a two-year community college, you can save from $2,500 to as much as $30,000+ in a year. Respectively, during the two years of your supposed studies, you can end up saving from $13,000 to over $60,000. The difference is huge, so we could leave it like that and state that a community college is indeed cost-efficient.

But, according to the expert from EssayService, there is a catch.

The Cons of Going to a Community College

If you start working right after graduating from a community college, you can end up saving lots of time and money on your education. However, it is fair to say that a community college degree won’t give you access to all jobs out there. In many cases, building a solid career in a fast-growing industry will require you to continue your education and earn at least a BA degree.

The good news is that you can take another two years at a four-year college after two years at a community one and get your degree. But the main catch is that not everyone is capable of doing that.

Programs in four-year colleges and universities are much more intense. And the teachers are more demanding too. So, when you get into such a school after a community college, you can suddenly realize that you are way behind the program. And catching up with your peers can take lots of time.

According to stats, only 13% of community college graduates transfer to a four-year school graduate in two years as expected. Another 22% graduate within three years. And 28% of such students graduate within four years.

In terms of savings, this means that you might actually pay even more. Basically, you will have to pay for the two years at a community college, and then, if something goes wrong, you might also have to pay for another 3-4 years at a regular college.

And there is more! It is perfect if you can pay for your community college out of pocket. In this case, you might eventually get long-term savings. But what if you are taking a loan to finance your education? In this case, if you don’t manage to graduate from a four-year college in two years as planned, you risk ending up with hefty student debt.

The Bottom Line

If you look at the tuition alone, it is crystal clear that community colleges are much more cost-efficient. And many people believe it’s true. However, in reality, community college hides many pitfalls. The catches we discussed here can rid you of the possibility of saving money. Moreover, you can end up spending even more than if you’d just go straight to a four-year college.

So, what is our verdict? Although community colleges can seem like a sweet deal, they aren’t good for everyone. Eventually, it all gets down to your needs, expectations, and goals.

Therefore, before deciding to attend such a school, it is vital that you weigh out all pros and cons. Research your options and assess your abilities realistically to minimize the risks. After all, your future career and financial stability will heavily depend on this decision. Focus on your unique needs and current situation to see if this option will work for you!

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How To Make This a Money Saving Summer https://shoppingkim.com/money-saving-summer/ https://shoppingkim.com/money-saving-summer/#respond Fri, 10 Jun 2022 21:22:51 +0000 https://shoppingkim.com/?p=34375 If you love warm weather and an unlimited supply of sunshine, then summer is probably one of your favorite times of the year. While there are a number of things …

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If you love warm weather and an unlimited supply of sunshine, then summer is probably one of your favorite times of the year. While there are a number of things you can do to make the most of your summer, you can also waste a lot of money if you aren’t careful. Instead of letting wasteful spending habits ruin your summer, you need to make some changes.

Making a 180-degree turn with your finances can reduce your stress and help you plan better for the future. Saving money this summer will require some hard work and financial discipline. Read below for some tips on how to make this a money-saving summer.

Eliminate Home Energy Waste

During the summer months, most homeowners will run their HVAC units daily. A functional HVAC unit can keep the inside of your home cool. However, if the unit in your home is not being maintained properly, it is only a matter of time before energy usage rates get out of control. If you want to extend the life of your HVAC unit and save money on energy this summer, then there is no denying the importance of annual AC maintenance.

The only way to ensure this type of maintenance is performed correctly is by hiring experienced professionals. Ideally, you want to hire a technician that has lots of previous experience working on the type of unit you have in your home. With some time and research, you can find the right professionals to perform this important maintenance.

Try Using Cash Instead of Credit Cards

Wasteful spending is a problem that millions of American consumers have. In fact, a recent study found that over 60% of American adults spend waste money on a weekly basis. Using a credit card for every purchase you make can increase the amount of money you waste. If you want to really get rid of wasteful spending, then you have to change your approach to paying for items.

Most people have found that paying with cash helps with wasteful spending. If you can actually see the money leaving your hand, you might think twice about spending it. Leaving your credit cards at home is also a good way to keep your balances low.

Create a Detailed Budget

Identifying where money is being wasted is the first step in conserving resources this summer. Rather than making an educated guess about what you’re spending, you need to get definitive proof. The best way to do this is by developing a detailed budget. This budget should have a detailed list of your monthly expenses.

Once you know what you are spending every month, you can identify potential sources of waste. Eliminating this wasteful spending will provide you with more money to put into savings. Meeting with a financial advisor can be helpful when trying to create and manage a budget. These professionals can also help you with your investments and retirement planning needs.

Money Saving Summer 2

Image by Gerd Altmann from Pixabay

Find Free Activities In Your Area

Some people think they have to pay big money to have a good time. This way of thinking can lead to financial disasters, which is why you need to change your approach to having fun. Finding free activities in your area can be lots of fun. Going to a local park, visiting your local library or swimming at the local pool are all fun and free activities.

It’s Time To Start Saving Money

Now that you know more about saving money this summer, it is time to put these tips into action. Once you start seeing your savings account grow, you will be motivated to cut more expenses.

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10 Ways to Decorate Your Home on a Budget https://shoppingkim.com/decorate-your-home-on-a-budget/ https://shoppingkim.com/decorate-your-home-on-a-budget/#respond Fri, 18 Mar 2022 16:51:54 +0000 https://shoppingkim.com/?p=32925 Everyone wants to live in conditions favorable for effective studying or work. Indeed, the atmosphere and decorations in the house can significantly influence one’s mood and behavior. Thus, by keeping …

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Everyone wants to live in conditions favorable for effective studying or work. Indeed, the atmosphere and decorations in the house can significantly influence one’s mood and behavior. Thus, by keeping your room clean or messy, you can either set yourself up for work – or decrease productivity.

You do not need to be a millionaire to make the apartment look stylish and comfortable. The only thing required is some creativity and free time. While it is difficult to find a student with no imagination, lack of time is a severe problem for many. To solve it and free a few hours for yourself, we recommend using an online paper writing service such as Studyfy. This platform helps students economize their time and nerve cells.

When you are ready to use all your creative potential while saving money, read the rest of the article. Here you will find helpful advice on making your house look wonderful without spending much!

1. Use Your Books

IRONCK Bookcases and Bookshelves Triple Wide 4 Tiers Industrial Bookshelf, Large Etagere Bookshelf Open Record Player Shleves with Metal Frame for Living Room Home Office

If you are a student, you must have many different books at your disposal. Of course, if you are not yet digitized entirely. Books can be used as a perfect decoration element without damaging their quality.

Your bookshelf can play not only a functional role but also a decorative one. How? Try to place your books by colors or alternate between horizontal and vertical ones. It will add some harmony and create a paradise for perfectionists.

Moreover, there are many ways of making a bookshelf manually using boxes or other simple and available objects. Do not forget that you can also paint or varnish them – all this for a meager price.

2. Add Natural Accents

Contrary to popular belief, dozens of indoor plants require almost no care. These are not only cacti but also a wide variety of flowers and other green friends. Using them in your interior will add not only coziness but also cleanness of the air.

You can buy cute small pots the size of a teacup and water plants only once or twice a week. In addition to the plants themselves, it is worth using other natural accents in the interior. These can be wicker accessories as well as decorative items made of wood. Ecological design and decor are becoming more popular every year.

A wooden cube instead of a coffee table, or a natural mat instead of a synthetic rug. Many decor items can be made with your own hands – panels, lampshade decor, storage boxes, and so on.

3. Consider Bright Elements

WLNUI Rust Throw Pillow Covers 18x18 Inch Set of 2 Decorative Accent Pillow Case Square Cushion Covers for Couch Sofa Bed Living Room Farmhouse Decor

Even the most boring room in the world can become more beautiful if using bright decorative elements. Colorful new textiles guarantee a change in the overall look of the room. Why not scroll the internet in search of some cheap pillows and curtains? If it is winter – consider something that adds a Christmas mood; if summer comes – choose bright colors.

Pillowcases are not expensive, but they can significantly change how your room looks. The only problem is – your bed will become much more attractive to lie on. If you are not afraid of this, you may even buy a new plaid.

4. Give New Life to Old Things

If you think you have no material to make decorations, just look around again. Handmade is relevant at all times. It is stylish, budget, and effective. You can give new life to old furniture with the help of paint and stencils. Baskets can be refreshed with textiles and tables with a hand-made tablecloth.

5. Arrange a Photo Exhibition

The one for yourself and your family. Of course, photo albums are a good thing, but some moments you want to admire forever. Why not hang the most valuable photos on the walls so that they stay with you all the time?

Photos can be a wonderful interior decoration if they are properly arranged. You can use either some frames or panels to cover the walls from top to bottom. Frames of different shapes and sizes are suitable. You can make them yourself or buy them in a workshop.

photo exhibition

Photo by Raj Rana on Unsplash

6. Hang Up Many Mirrors

Hobby Lobby Home Decor Carved Elegant Gold Arch & Flourish Wall Mirror for Vanities, Living Rooms, Events

Mirrors are a great interior design option. Choose mirrors of an unusual shape, put them in unique places, create mirror mosaics on the walls. You can find ideas on the internet or think of your ideas to embody them in the interior.

7. Create an Ideal Corner

Everyone needs to have a place to keep everything valuable for memory and soul. If you leave the whole apartment unfinished, you will constantly think about what else can be added to improve the interior. To compensate for the feeling of incompleteness, choose one corner. It will be one which you are going to make perfect. It may be the hallway, balcony, or your dressing table. Such a place will inspire you and add another creative impulse.

8. Minimalism Is Always Fashionable

COZAYH Set of 2 Modern Minimalism Nightstand End Table Side Table with Woven Pattern Drawer and Shelf Storage, Rustic Farmhouse Style, Natural

Do not forget that everything simple is ideal, so if you do not have any decorative elements to add, clean your room to look like a new one. Make sure to remove everything unnecessary – countless items, shelves with souvenirs, and gifts. After that, you have to estimate the space left. Perhaps minimalism is exactly what you were missing.

9. Replace Furniture Fittings

Perhaps you are not used to noticing door handles or something like that. Still, fittings are crucial for the overall look of the apartment. Compare furniture fittings with earrings or other accessories and jewelry. Do such things add some points to the image? Yes, they do. Thus, replacing fittings periodically will help you keep the house in a presentable shape.

10. Remember Your Travel Experience

JIMBON Our Adventure Book Scrapbook Photo Album Book, DIY Handmade Travel Scrapbook, Retro Style Travel Souvenir, Guestbook Anniversary Wedding Travel Baby Friend Gift (BALL)

In almost every house, many souvenirs and gifts create dusty and meaningless chaos on the shelves. It is a pity to do both – put them in the closet and accumulate them on the shelves. What to do? Select your favorites and give them a unique place in a special corner. It will always remind you of holidays and peaceful moments.

Final Thoughts

That’s a wrap on this crash course in home decorating on a budget! With a bit of creativity and some elbow grease, you can make your house feel like a home without picking up the tab. Use these ten ways to breathe new life into your place without breaking the bank or draining your savings account.

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Where and How to Look For Discounts: 5 Ways to Save On Purchases https://shoppingkim.com/save-on-purchases/ https://shoppingkim.com/save-on-purchases/#respond Mon, 27 Dec 2021 20:12:10 +0000 https://shoppingkim.com/?p=31293 1. Check Promotions Before You Go to the Store This will allow you to see in advance the interesting discounts, to make a shopping list and not to spend extra …

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1. Check Promotions Before You Go to the Store

This will allow you to see in advance the interesting discounts, to make a shopping list and not to spend extra time looking for benefits, looking through every price tag in the store. And also do not grasp for unnecessary goods, because often any promotional products fly to the basket, which then will just lie in the closet.

You can look for bargain prices in catalogues with special offers or online versions of stores. But the latter does not always work: sometimes the offline promotions do not coincide with those on the Internet. For example, this happens with clothing or cosmetics. In this case, you can go to the store to have a closer look at the goods, assess their appearance and quality, and then order them online. Thanks to these simple tips you can easily save for further Miami boat rental.

2. Search for Discount Coupons and Promo Codes

Two discount tools with a similar principle of action. A promotional code is a combination of letters and numbers or a code word that must be entered in a special field during the purchase or by telling the salesperson. A coupon is a document with a number or barcode that must be shown to the retailer; it usually applies only to offline purchases.

You can look for them in several ways:

  1. On the websites of the stores themselves. Offers are shown on a banner or in a pop-up window.
  2. On social networks. Brands collaborate with bloggers and give them promo codes for discounts in their stores or services. And they, in turn, share them with readers or viewers.
  3. In a search engine. It is enough to specify in the query the name of the desired store and the word “promo code” or “coupon.”
  4. On services with coupons and promo codes. There are offers from hundreds of different brands that can be sorted by category or benefit amount.

3. Buying Things Out of Season

Skates and down jacket at the end of winter, and swimsuits and shorts at the end of summer. At this time, the seasonal discounts reach a maximum, and you can buy the right thing with a profit of up to 90%. This rule applies not only to clothing: artificial Christmas trees, toys and other Christmas decorations at the end of January will be much cheaper.

4. Apply for Loyalty Cards

Sometimes you can’t get benefits without them at all. For example, in many grocery chains, some or all of the discounts are available only to members of the loyalty program. But even in other cases, cardholders are rarely left without bonuses: they have access to closed promotions, coupons for purchases, and cashback points that can later be spent on goods or gifts.

5. Collect Maximum Cashback

Savings, although not instant, are no less pleasant: the money earned on shopping will be useful in the next month. It is desirable to use a card with a ruble refund – so the cashback can be spent on anything, not only on bank partners’ products. And try to use cashless payment more often, so the bonuses will fall even for minor expenses.

You can get even more back with the help of cashback services. They act as intermediaries between stores and customers, and receive remuneration from the brand for attracting new customers: they keep one part of the money and charge the user in rubles for the other part. The size of the refund can be as small as 1%, or as large as 20 or even 50%.

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