CarlosTheRed questioned:
my mother insists on constantly changing the thermostat to 68 degrees (F) at night, but during the day to 75 degrees.
Which she insists saves money, but I’m not convinced. Whenever is 75 degrees it feels humid and everyone ends up turning on fans throughout the house. Overall what would be better. Leaving it at 68 constantly and saving on the constant fans, or will the status quo of constantly changing it, and in turn turning on fans still save money overall?

With today’s economy, many consumers are tightening their belts on spending. Discretionary dollars usually top the list on cuts: dining out, ordering in, spa treatments, entertainment and clothing are just a few of those categories where people are spending less and in some cases, not allocating money at all. Restaurants, retailers and vendors all feel the reduced sales and are thinking outside the box. Many have started offering, either on their own or in collaboration with various marketing companies, incredible deals.

Restaurant deals, in particular, have become widespread and offer vast savings for the occasional or regular diner. In many cases, these deals allow consumers who traditionally never eat out, to do so because the savings are so vast.

While restaurant coupons have been a mainstay in American dining culture for the past few decades, the current restaurant deals of the past 2 years have changed the way restaurants do business and the way consumers choose dining establishments. Where traditional coupons offer a specific dollar amount or percentage off of a food item or total bill, newer coupon deals can be bought online for a small fee. When the patron goes to the establishment and buys what they want, they receive the savings. For something they would have bought anyway, this is a nice way to save money.

These fantastic deals benefit everyone involved. The buyer saves substantial amount of money. For example, a $25 gift certificate for a local Mexican restaurant can be bought online for $2 in advance, printed out and redeemed at a later date of choice, saving the diner $23 off the total bill and ensuring the purchaser of a future meal. In some cases, there is a minimum buy amount per establishment, but even so, the saving is significant. It can allow the regular diner to save huge money, the occasional diner to eat out more often or also save money, and potentially offer the diner who can’t afford to dine out to really do so.

On the flip side, the eating place has the opportunity to make more loyalty from its current patrons, gain more business from its occasional diners and bring in completely new customers, which in turn can make an increase in revenue.

Cheap deals such as this are most frequently offered online, via Internet coupons on websites, e-mail blasts and group discount clubs. So many vendors participate in this new type of marketing that it allows some money-conscious diners to never pay full price.

By: Jeremy P Stanfords

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Printer ink is very expensive and due to this the cost of running a printer is also very high. But, it is possible to save money on printer ink if you know what are the things to consider and where to buy.

The best way to save money on printer ink is to buy remanufactured cartridges or compatible cartridges for your printer rather than buying expensive OEM (Original Equipment Manufacturer) cartridges. Remanufactured cartridges are recycled OEM cartridges. Empty cartridges are professionally refilled by experts and then place up for sale. Compatible cartridges are third-party cartridges manufactured by companies who make cartridges for various printer types. Refilling your printer cartridge with a refill kit is also a excellent way of saving money. Refilling is the cheapest of all the options available.

Buying online can also save money on printer ink. Online sellers offer discounts and it will be simple to compare prices of various dealers and choose the best price. You will also be able to save on traveling and shipping expenses. Many sellers offer free shipping facilities on their products.

Having an extra cartridge at home will help save money on printer ink. If your printer suddenly runs out of ink, you don’t have to go to the retail printer store and buy printer ink at a considerably higher price. If the number of printouts from your printer is too high then is it best to buy cartridges in bulk. Dealers will give huge discounts if you buy in bulk. Bulk buys are suitable for offices and large set-ups.

As printer inks are very expensive, the best way to save money on printer ink is to use it economically. Plot and print. Often people take printouts simply to realize later that it is not required. Take printouts of only those documents that are necessary.

By: Oliver Turner

About the Author:

Are you really serious about budgeting and saving, or is it something you know you need to do but just can’t get started? Your journey on how to budget and save money starts with these money saving tips.

A budget means knowing what is coming in (income) and what is going out (expenses) and making sure that you can live within your means.

First of all you need to find out where your money is going and to do this you need to start a simple system of bookkeeping.

Your first money saving tip is to spend a few dollars on a notebook and a pack of pens. Yes that’s right, spend to save.

Carry your notebook with you at all times and list everything you spend for two weeks. Even if it seems unimportant and impossibly small, list it in your notebook. After the two week period you will have an thought just where your money is going. You may be surprised and even be shocked to see how much you are spending on trivial items.

Get into the habit of asking for a receipt, just as you would if you had your own business. Reckon of it this way — your financial wellbeing is your business. If you have missed noting an item in your notebook your receipt will help you.

Often this process can be quite sobering but once you know where all their money is going, it makes it simple to place into action a plot for change.

You may have found that a lot of your money was going on a coffee every day and bought lunches. Buying a $4 coffee every weekday for a year ends up costing more than $1,000 a year. Even spending a seemingly small sum of $5 on lunch each day would cost $1,300 in a year.

This leads to your next saving tip. Restrict your bought coffee intake and make your own coffee the rest of the time. Let a bought coffee be a once in a while treat when meeting with a friend. Make your own lunches. This will save you a lot of money and you will get the lunch you want rather than having to choose from the cabinet in the shop when the best has gone.

Are you spending more on entrainment than you ever thought you could? Obviously you still want to have fun and be with your friends. And you still can.

This third tip encourages you to entertain your friends at home. This will allow you to hone in on your cooking skills and share time in your home environment with your friends. For the same amount of money you spend on one meal out you can entertain a few of your friends. You can all take it in turns to be host or you can get each couple to bring one of the courses. Potluck dinners have had a well loved revival and are an ideal way to entertain.

After your two weeks of notebook record keeping sit down with all your financial records and fill out your budget. List everything that comes in and list everything coming out. Does your income exceed your expenses (surplus) or are you spending more than you earn (deficit).

You now have some money saving tips to help reduce your spending and you will at least have an thought where your money is going. Implementing these thoughts is a start to your journey on how to budget and save money.

By: Lyn Bell

About the Author:

aliciamichelle06 questioned:
So it seems like everyone needs to save some money these days. What are some effective, new thoughts, to saving money around the house? What do you re-use or do differently that can save you money? I have two kids so saving even a dollar helps. thanks.

TheWisemanofourschool questioned:
Hi! I;m in 7th grade and I need 2 save money so I have pocket money I visit the Philippines, but I need to save first. My dad gives me $3 for lunch money. I get 75 cents for change and I need to have it by december 15, 2006. I’m going to start saving by the beginning of the school year 2006-2007.

sunny questioned:
We might go to a resort. What are your tips on saving money?

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Mimi questioned:
I’m 19 years ancient and am a college sophomore. I only work on the weekends and make between $70 and $90 dollars after taxes. How much should I be saving weekly?
Also in your opinion do you reckon it is possible to save money in college?