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Dollar stores lure us in with rock-bottom prices. Sometimes you get what you pay for, but often the things they sell are good products at a tremendous discount — a real bargain. Many products aren’t necessarily higher quality just because you spent more money on them — especially more ephemeral or name brand products that you are only going to use temporarily. Greeting Cards Image result for greeting cards There is no reason to spend $5 or more on greeting cards when dollar stores typically have a wide selection available for a buck or less. You might not get textured paper or fancy extras such as ribbon, but the heartfelt message you write will be the same regardless of how expensive the card looks. Party Supplies Related image You can save up to 70 percent by using party supplies from a dollar store. Get plastic tablecloths, paper plates and cups, streamers, and favors from the dollar store and save a bundle. Don’t forget to look for Mylar/foil balloons, too. These are an absolute bargain and can easily sell for five times as much elsewhere. Because who wants to spend more money than they already have to while throwing a party, right? Cleaning Products Image result for cleaning supplies Believe it or not, the $5 glass cleaner is just as good as the $1 glass cleaner. The $5 bleach is just as good as the $1 bleach. The same ingredients are available for less at your local dollar store. You might even find some tools like brooms and dustpans, rags, and more for a discount. They may not carry organic or high-end products but all these $1 products will do the job! Tote Bags Tote bags are never at your fingertips when you need them, and they seem to disappear like socks. Buy a bunch of polyester totes at a dollar store and use them instead of plastic at the grocery store, to transport gym clothes, to deliver items to family and friends, and to pack for the kids’ overnights or trips to the beach. Children’s toys Related image Does your child really know the difference between a dollar squirt gun and a $10 squirt gun?  A toy is a toy when you’re a kid, and the cool thing about getting toys at the dollar store is that everything is a dollar! It’s a win-win situation for you both. While you might not be able to buy a fancy dollhouse or a child-sized kitchen at the dollar store, certain kinds of toys will be just the same, like dollar matchbox cars or coloring books.

Giving the perfect Christmas gift to someone you care about always makes you feel good inside. No matter how much you care for someone you’re giving a gift to it’s important to stay on budget. While it may be better to give than to receive, sometimes, giving hurts. If you’ve ever looked at your bank account just before the holidays, you know what I’m talking about. Even the most generous of people can feel a pinch when the expense of giving ends up eating into next month’s grocery bill. You may feel a pressure to shell out big dollars and gifts throughout the year, if you’re living paycheck to paycheck, it might be time to reconsider these expectations and start looking for ways to keep your gift-giving under budget. There’s no shame in being on a budget, and there’s nothing embarrassing about going through a lean time. When you accept the reality of your financial situation with confidence, it becomes much easier to address gift-giving. Use these tips to get started. Plan It out Plan out your budget months prior that way you have plenty of time to save and gather your gifts along the way. Once you determine your budget, add 15% to that amount so you’ll be covered when those unexpected gifts come up over the course of the year. Divide that number by 12 and that’s the amount you’ll need to set aside for your gift-giving budget each month. Then stick to those limits no matter what. By knowing your spending limits beforehand you can stretch those amounts as far as you can and still give great gifts without feeling like you broke the bank. Be Honest There is great freedom in honesty. While it might initially be hard to admit to family and friends that money’s tight, once you do, your honesty will unburden you from the weight of gift-giving expectation. The trick about this type of honesty is to draw your own gift-giving boundaries before letting others know. For instance, rather than saying “Money’s really tight this year, so gift-giving is going to be hard,” which may leave others confused about how to move forward, try providing your own solution, such as “We’re really watching our budget this year, so rather than doing our normal gift exchange, I’d love to do a cookie exchange instead – are you open to that?” Something along those lines will help change things up and allow you to still contribute just in a more budget-friendly way. DIY An easy way to save money on gifts is to give handmade items. If you plan and make a present for someone it often means more than any store-bought gift could. Especially if it is specialized to that person’s likes. Tap into one of your talents and run with it! Search Pinterest + YouTube for DIYs + How-Tos to learn more. Whether you focus on cooking, painting, crafting, sewing, photography, or a talent you haven’t yet discovered…don’t be afraid to get your hands dirty + learn something new in the name of saving money! Regifting Are you moving and wanting to get rid of some old items to make the move easier? Did you store unwanted gifts from last year? Maybe you just want to do a thorough cleanse and purge your home of all its clutter? Well before you start throwing these unused items away, take this chance to see if you can re-use any of these things to cross some names off your gift-giving list. Enjoy Togetherness Nine times out of ten, the memories from holidays and birthdays are more about the shared experiences than about the gifts. If you’re on a budget, suggest a big family outing in lieu of buying presents. Everyone involved can pay their own way, with the ultimate gift being that you all spend time together. For example, gather siblings, nieces, nephews, and grandparents together for a day of ice skating and hot cocoa, or see if there’s a community theater presenting “The Nutcracker” at a reasonable price.

https://www.kwikcashonline.com/how-to-start-investing-before-2020-with-only-100/For those of you who are discouraged because you only have a little bit of money to invest – don’t fret! Want to know the most difficult part of investing? Starting. $100 may not seem like much, but you can make it grow into more. Don’t underestimate the importance of beginning to invest with just $100 bucks. Millions of people never invest primarily because they never get started. Investing 100 dollars may not sound like a lot of money in a traditional investment, but it will get you started. And it’ll be what you do from there that will determine your financial future. Open a Savings Account: Savings accounts are one of the most boring investments around, but they are SUPER safe. The idea isn’t to leave your money here for very long but to build up your savings until you can get into some higher-yielding investments. Invest through your 401(k): There is no easier way to invest your money and save for retirement than through your 401(k). Here’s how it works, your employer takes money (pre-tax so you get a tax benefit) out of each paycheck and puts it into an account for you – it’s as lazy as you can get and lazy is good in this case. In some cases, they may even match some of that money for you – so it’s free money! Invest your spare change: What if you don’t have any money, can you still start investing? The answer is a definitive yes. How is that even possible? Thanks to new apps like Stash or Acorns, you can invest your spare change. You won’t get rich quick doing this, and that’s not the point. The point is to start a habit that will grow as you make more money. Here’s how it works. With Acorns, they round up any purchase to the nearest dollar amount and invest the difference. So, for example, let’s say you buy a gallon of milk for $3.49. Acorns rounds it up to $4 and takes the $.51 and invests it for you. Stash works in a similar fashion; they just don’t round. With Stash, you open an account with $5 to start investing. With Stash, you get presented with a grouping of ETFs and some individual stocks, based on what would be suitable in light of your risk profile. Books: Books can change lives – why not invest in them? Want a few classics that will improve your finances? Here are my picks: The Total Money Makeover by Dave Ramsey The 4-Hour Workweek by Tim Ferriss I Will Teach You To Be Rich by Ramit Sethi Payoff Debt: This may not sound like much of an investment, but it might be the single best investment you can make with $100. One of the best ways to do this is to pay off a credit card debt. If you have a credit card that’s charging you say, 20% interest, paying it down by $100 will get you an annual “return” of $20. That’s the equivalent of a 20% return on a traditional investment, which is virtually impossible to get on a regular basis. What’s more, paying off debt is an entirely risk-free investment. There’s virtually no way to lose money on the transaction. If you’re looking to pay off debt but you virtually have no money at all, consider a personal loan with Kwikcash. Borrow money you need and only payback for the time you borrowed it.

Without a doubt, most homeowners can get behind the idea of saving money on their energy consumption. But when the dialogue turns to topics like shutting off the heat and wearing coats inside, most homeowners understandably grow cold at the idea. Paring back on energy consumption, though, does not have to be that difficult or painful. With the vast amount of energy waste found in most homes, owners don’t have to look very far for simple opportunities that will ease sticker shock when the energy bill comes due.Wash Clothes in Cold Water Surprisingly, washing your clothing in cold water can be beneficial to your clothing. EnergyStar estimates that 90 percent of the energy expended on a warm water wash cycle goes toward heating up the water. By going from hot or warm down to cold, your washer is immediately running at a scant 10 percent of its former energy consumption. Cold water ensures colorfastness and preserves fabrics. With newer washers running more efficiently than ever, cold water works better than ever for most loads. Plus, you can add baking soda or distilled white vinegar to drastically ramp up your washer’s cleaning power, without adding a single drop of hot water. However, there is a time and place for warm or hot water washes: very dirty clothing, soiled clothing, or clothing worn by family members who are sick. Save the hot water washes for these very moments only. LED lights One of the easiest ways to lower your electric bill is by switching to LED bulbs. LED lights draw much less energy than traditional lighting and are more cost-effective over time since they last much longer. Most LEDs have a 10-year lifespan, reducing the need to regularly replace your lightbulbs. You may also use smart power strips: Some electronic gadgets never truly power off; instead, they sit in standby mode using a trickle of power that can add up over devices and time. These are usually — but not exclusively — items with a remote control because the remote sensor needs power while waiting for your input. Plug these electronics into a smart power strip, which cuts off the current when the devices aren’t in use. Install a Programmable Thermostat The USDE estimates you’ll save 10% off your utility bill just by installing a programmable thermostat, like this one from Nest. The more you turn your thermostat down in the winter and up in the summer, the more you’ll save. If your house is empty during the day, set the temperature to drop much further in the winter months and higher in the summer months while you’re away. You can program it to return to more comfortable temperatures just before you get home. For a roughly $70 investment, installing a programmable thermostat is one of the smartest things you can do to reduce your energy bills.

Invest in yourself is the most common advice you will get if you ask any successful person on one piece of advice that will change your life. Tony Robbins claims that the most valuable advice he ever received came from Jim Rohn, one of his earliest mentors. “Find a way to add more value than anybody else does, and you’ll never have to worry about anything,” Rohn told him. “Every day, work harder on yourself than anything else, because if you become more intelligent, more valuable, more skilled — you can add more value to other people.” Other successful people would no doubt agree with these sentiments. As quoted by the most famous investor of all time, Warren Buffett, “the best investment you can make is in yourself.” Exercise Regularly Hands down, getting enough exercise every day is one of the best investments you can make in yourself. According to Michigan State University – and countless other scientific and academic sources – daily exercise has been linked to more energy, more productivity, reduced stress, improved brainpower, better memory, and even increased creativity. It’s the best way to maintain a healthy weight, improve your mood, ward off disease, combat mental health conditions such as anxiety and depression, and improve your focus. Harvard Business Review states that the benefits are so great that regular exercise should be part of everyone’s job description. You’ll be a better worker, a better team player, and a better problem-solver when you make exercise a habit. You don’t need to join a gym to exercise. You can exercise by going for a walk, doing yoga, or working out at home. Go dancing, swimming, for a hike, or take the dog for a long walk. It doesn’t really matter what type of exercise you do as long as it’s something you enjoy and can do most days. Set Goals You may love them or hate them, but the truth is that setting goals will help you accomplish more. Once you’ve identified a goal and written it down, you’re more likely to change your behavior and take actionable steps to achieve that goal. Goals help clarify what you want. Instead of having a vague dream or occasional wishful thinking, setting a goal helps uncover what you truly want and, more importantly, it’s the first step in figuring out what you need to do to get it.

If your credit prevents you from getting a loan, it may be possible to borrow without relying on your credit history. However, you need to be careful when using no credit check loans. No credit check installment loans could cause more problems than they solve What you should look out for when considering a No Credit Check installment loan? Check out these pointers before taking on risky debt.

While they may sound similar, they are vastly different financial tools commonly used by people with very different financial needs. A payday loan is a “relatively small amount of money lent at a high rate of interest on the agreement that it will be repaid when the borrower receives their next paycheck,” as defined by the Consumer Financial Protection Bureau. A personal loan is an unsecured loan—so no collateral is needed—used to consolidate debt or pay for life’s big events.

One of the best ways to cover unexpected bills and other emergency costs is by taking out personal loans. With bad credit, however, you may find it hard to secure extra funds since most traditional lenders deny loan applications from people with low credit scores. At KwikCash, you won’t have to worry. We offer easy-to-qualify unsecured personal loans for those with bad credit.

Every couple is going to have a different financial journey, but there are some major milestones that most couples will encounter at some point. Here are some tips for when you’re dating, when you’re committed, and when you decide to tie the knot.

If You’re Thinking of Sorting Out Your Financial Goals This Year, Remember to Go at Your Own Pace. See It as a Marathon, Not a Race and Remember That Great Goals Can Take Time to Accomplish with That in Mind.

When people are broke, unemployed, and in debt, the kneejerk reaction is often to ignore the situation and hide from your creditors. But the truth is that hiding from your financial challenges will only make them worse.

Payday loans are a short-term borrowing solution where you obtain a high-interest loan based on your credit profile and income. They may also be referred to as check or cash advance loans. The loan amount is usually a portion of your next paycheck. As mentioned.

One of the best ways to cover unexpected bills and other emergency costs is by taking out personal loans. With bad credit, however, you may find it hard to secure extra funds since most traditional lenders deny loan applications from people with low credit scores.

KwikCash, Inc. was founded with utmost integrity to gratify, benefit and ease each and every individual that finds themselves in an economic rut. It is our personal mission to deliver quick and painless low-rate personal loans to those with financial difficulties.

Let’s say your internet bill is due during the second half of the month, but you don’t have the money to cover it because you need to prioritize rent, water, and other necessities. Even worse, your employer’s pay cycle delays when you receive your paycheck, so you probably won’t get paid for several more days. You can’t overdraw your account, but you also don’t want to find an internet café whenever you need to get online.

It’s fine to leave conversations about money until later, but if you decide you’re comfortable enough, you can open up a financial discussion as early as the first date. Who pays for dates is (somehow) still a hotly contested topic, according to the findings of a 2015 sociological study. There’s no clear consensus regarding who should pay for what, and some people have complex feelings toward splitting the bill, so bringing up the subject can be a way to get a money chat rolling.

Payday loans are a short-term borrowing solution where you obtain a high-interest loan based on your credit profile and income. They may also be referred to as check or cash advance loans. The loan amount is usually a portion of your next paycheck. As mentioned, these loans can carry crazy interest rates for short-term borrowing.