#saving tips

here are some ways you can save your money ! i hope this helps!

transfer 4/5 of your money into your bank account (if you need cash on hand)

if you are looking to save cash, use two piggy banks; one for your savings and the other one for money you are going to spend

dont buy (unnecessary) things if you can't buy them 3x

ask yourself if the thing you want to buy is something you need or something you want

it's more than okay to spend money on things that you want but leave some wishes for a time when you are more financially stable

find other things to do instead of shopping

see if the thing you want to buy is available for a cheaper price

make an emergency fund

make a grocery list and follow it (don't buy things that aren't listed)

save up coupons and buy things on sale

find hobbies that make you money instead of costing money

cancel unnecessary subscriptions

make your drink/food at home instead of buying it in shops

What is the best way to buy cheap airline tickets? Cutting back on your travel costs is certainly profitable, because it involves relatively large amounts, so every cut is extra hard. In other words: optimizing your travel budget. The most beautiful trips, already earned with savings elsewhere, in the most inexpensive way. That is double the win, but it is a matter of smart choice. Here are the tips.

Flash sales for cheap airline tickets

In technical terms it is called Flash sales. Dirt cheap tickets. You never actually see them in the newspaper and on TV and that's because everyone would think that those are the normal prices. And the airlines don't want that. They can be booked a few (two to seven) days before departure. So no early bird discount, but just filling up empty seats for a bargain price. The best way is to actively look for it yourself. Check the airline's website every few days. If you want to leave within now and three months, this is the cheapest way. Unfortunately, the tickets get even cheaper after the next round.

Limit your choice

There are so many sites and offers. It is better to search on a few good sites such as D-Reizen, Cheap tickets and a number of foreign sites and therefore the sites of the airlines. Compare them with each other and that's how you book your own candy trips. It's not free, but it can't get any cheaper.

Fly app

Most airlines these days have an app. With this you can check in, but also arrange a cheap upgrade of your flight. You can also keep an eye on the delays. You can also follow KLM on Facebook. There you will find even more interesting information.

Those last minutes are more expensive

Except for charter flights, most scheduled services are more expensive just before departure. The airlines collectively stop with the last minute offers in order to keep prices artificially high. Yet they want the chairs full, so look for those bargains, because they are there. About twelve days before departure, many prices are fixed or even very much more expensive (sometimes 250 euros more expensive). So in some places you can find cheap tickets and in other places you pay the main price just before departure. That is to serve the entire market: people who opt for comfort and have enough money or people who are forced to leave book the expensive flights just before departure and the currants forage for the Flash sales.

Fly on Tuesday

Tuesday, Wednesday and Thursday are the cheapest days to fly. The weekend is expensive. We all want to leave for the weekend and the airlines know that. June, July, August and Christmas are the most expensive months because of the holidays and school holidays.

Booking costs of 60 euros on top of your ticket price

Does the price you see on your screen include or exclude booking costs? You hope inclusive, otherwise you just pay 50 to 70 euros extra in booking costs. The Dutch also charge the top prize for payments with credit cards. In the U.S. it's free, so book your trip smartly with an American travel agency. Ideal is completely ideal, because it is free.

You think that switching with the same airline will be cheaper... Wrong!

It is sometimes better to fly on with a reliable budget airline. Certainly outside of Europe: you can fly to Bangkok and continue there cheaper locally with, for example, a local airline like Easyjet (air Asia). Everything is more expensive in Europe. If you book through those cheaper oriental airlines, you can also take a look around Bangkok.

Luggage costs of 60 euros

Luggage costs can add up. The employees of some budget airlines even receive a premium if they 'caught' travelers with too many kilos of overweight. A kilo of excess weight in your luggage is already ten euros extra. Your hand luggage will also be checked extra.

Book cheap travel through foreign companies

If you really want to book a bit cheaper when you fly to the East, take a look at the sites of the United Emirates, Qatar and the like in the Middle East. Belgium is cheap if you can fly via Antwerp or Brussels with KLM and, for example, Joker.be.

Finally

But I can't pin them all so... here are some things and I will keep adding more.

For everytime I'm insecure, I'll just be reminded to read this. (This is a beautiful anon ask sent to me, but ya'll can read it too, you might relate!)

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A thread of tips to help high school and college students academically!

Is your body being weird? Do you feel nauseous, or have a headache? Maybe this could assist you!

Are you a black trans woman being denied HRT or any other treatment within the United States?? This person on twitter will help you for free!

This post will help you make a great exam study plan!

Things that may help you get your life together!

Validation post you need if you're feeling down!

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Becoming an adult cheat sheet

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Cool study playlists

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Lots of blank meme templates

Use the site linked here for writing inspiration

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A little secret from Dr Bowles about the education sector

Notetaking tips

I found this old document where I collected a series of tips to save money. This is all part of my experience of when I was near homeless, and some work depending on where you live, some don’t. Here we go.

BILLS:

1. The optimum temperature for refrigerator operation is 5°C, and -18°C for freezer operation. As a rule of thumb, for each additional degree of refrigeration output about six percent more electricity is used.

2. Unplug your appliances. Lamps, microwave, tv, computers etc. They don't need to be plugged until you use them, and it saves energy to keep them unplugged. Therefore, money.

3. Do homework for phone companies and internet plans. Call them! Often they are toll free and if you mentioned that you were already with them or thinking of going with them and then found out another company had a better deal, they could offer you deals for lower prices. I had to do it all the time for my phone, until they couldn't really offer anything better.

4. BIKE. Invest in a used bike if you can, especially for the warmer months. It offsets the transit costs and better your health.

5. WALK. That's the same as the bike, honestly.

6. Pay your bills on time, you will avoid late fees which can up to HUNDREDS of dollars wasted over the course of a year. If you can, set up automatic payments so you don’t forget.

FRIDGE:

1. Every time the refrigerator door is opened, cold air escapes and warm ambient air enters. To compensate for the temperature increase in its interior, the refrigerator must then use energy to bring the temperature back down. Always avoid opening the door unnecessarily and for too long.

2. When defrosting frozen food place it in the refrigerator. Not only does this ensure that the food is carefully defrosted, its presence cools down the refrigerator interior, reducing the amount of work that the compressor has to do, and therefore lowering energy consumption.

3. Never put warm food in the refrigerator as this will heat up the interior, as well as other stored foods. Hot food should always be allowed to cool to room temperature before placing it in the refrigerator

MONEY:

1. Keep all the containers like glass bottles, juice bottles, jars, cans etc. Look for your Return-It depot and have trips to return them. They give back coins for laundry, small expenses etc

2. Use that junk mail. Go through it, find coupons for food, for essentials like toilet paper or shampoo.

3. CHECK. THAT. DOLLARSTORE. They often have things like pasta, ketchup, toilet paper, batteries etc for literally 1 dollar.  Pasta is pasta, toilet paper is toilet paper. Seriously. Don't need to spend 5$ on a shampoo bottle when you can have it for 1/5 of the price.

4. Do homework and check with different banks for which one offers a better plan. Some of them are willing to help out. Sit down with their advisors, find the best solution!

5. Use the envelope system! For example, one envelope with a label “food” the other with “entertainment” the other with “bills”. Then set the right amount of cash for each. That’s what you’re allowed to spend each month. If you realize you need more for food, grab it from the entertainment envelope. Adapt and arrange as needed.

6. If you can, set up an automatic saving (example 50$ every paycheck) for both regular saving AND an emergency fund.

7. Use the 24-Hour Rule. Avoid purchasing expensive or unnecessary items on impulse with a self-imposed 24-hour rule. For any non-essential item, wait 24 hours before purchasing. It’s perfect for online shopping where your items can simply be added to your cart to purchase later.

8. Make a grocery list BEFORE going to the grocery store and STICK to it. You’re going to avoid buying things you don’t really need.

9. DO. NOT. SHOP. WHILE. YOU. ARE. HUNGRY. Or you’ll end up buying food that you actually don’t need just because you feel snacky!

10. Only use ATMs from your bank, or you get charged small fees.

11. Set a “No Spend Day” per week, where you consciously DO NOT spend any money for that day.

12. Ditch the paper: Cutting out paper towels and using cloths and napkins that you can simply wash and reuse is a simple way to save.

13. After you wear clothes, hang them outside your wardrobe, on a door or something. You can air them out a bit, then stick them in the closet without washing. You can basically reuse the same clothes two or three times without having to wash them, sometimes they just need a bit of air and they won’t smell AT ALL.

14. If you don’t own or want to spend money on an iron, hang whatever blouse you need to iron in the bathroom while you shower. The steam will humidify the fabric and straighten it up.

15. Hang stuff to dry. Really don’t need to spend money on the dryer.

16. Sign up to the library. They have so many books and DVDs nowadays. You can also just go, sit at the library and stay warm for a while, so that you don’t have to sit at home and either suffer the cold or use money on your own heat.

17. Budget, budget, budget. Get a lil notebook, write down the monthly expenses, cut what you don’t need. It gets easier with time.

 FOOD:

1.       Make a meal plan. Write 10-14 days worth of dishes that you can do (lunch, dinner, everything you need). You can then toss them around as you go on with your week, but that way you have a pretty clear idea of what you use and the food you go through for how long. It also reduces the risks of getting take out since you already have plans for what to eat.

2.       Cook double! Seriously. Make that dinner and double it up. Leftovers can be frozen or put in the fridge for the day after.

3.       Meal prep. Once a week, prep a bunch of different recipes. Let them cool down, stick them in the freezer. At that point you’ll already have all these meals at the ready to just thaw/microwave or oven up.

4.       You don’t need pop. You don’t need alcohol. You most likely don’t need milk, but go for it if you wanna. Just remember dairy products go bad WAY more quickly than non dairies, so consider getting food and drinks with no dairy in them. Mainly, though. Water. Just drink water. Lots of it too! Sometimes our brain can’t tell the difference between hunger and thirst. You think you’re snacky? Drink some water instead! It’ll quell your hunger.

5.       Freeze fruit! If you think you’re not gonna be able to eat fruit in time, put it in a Tupperware or a ziplock and slap it in the freezer. You’ll be able to then use it for smoothies.

6.       Use the Italian saying “Colazione da re, pranzo da nobili, cena da poveri.” Which quite literally means “Breakfast as a king, lunch as a noble, dinner as a poor.” Breakfast should be very filling, carbs, protein, vitamins. It carries you for the whole day. Lunch should be quite filling too! But supper doesn’t really need a lot of it, and if you REALLY have to skip a meal, skip supper. Your body doesn’t need that much sustenance while sleeping.

7.       This is for the desperate times but I’ve done it, and I would do it again if I ever had to. Go to markets that have like… Fruits and veggies. Talk to them. Ask them “HEY, can I have the fruit/veggie that you have to throw away?” Ask them if you can have the ugly produce, the one that doesn’t look pretty enough to be put out. Or ask them to have whatever extra they have to dump because is past the expiry date. EXPIRY DATE IS USUALLY MUCH LONGER THAN WHAT THE LABEL SAYS. I wouldn’t risk it with dairy stuff or with things that are VERY expired, but one or two days? Totally fine, I promise. And if you have to? Dumpster Dive. Especially at markets with fruit and veggies that have to be sold on the same day (because it’s not considered “fresh” past that day.) Or behind pizza places like Dominos or Panago or whatever chain. They get pizza orders wrong all the time. Just give a peak behind these buildings and look inside their boxes. You have no idea how many times I found perfectly fine pizzas. For free! IF YOU DUMPSTER DIVE, MAKE SURE YOU HAVE GLOVES, A MASK AND PLASTIC BAGS TO PUT YOUR STUFF IN. ONCE AT HOME, DISCARD GLOVES AND WASH PRODUCE THROUGHLY. Also check tumblr for your divers community, they usually know the best spots.

 CLOTHES:

1.       Thrift shop! So many GOOD used clothes are out there! Honestly! My whole wardrobe is thrifted and everything looks brand new. It takes a bit of research and maybe that shirt you liked is not in your size, but you can find EVERYTHING, from socks to bras, at a thrift store. Don’t thrift underwear though. You want to go new with those.

2.       Invest in some needle and thread, then open youtube. There are SO MANY tutorials that teach you how to mend holes in socks and underwear. And really, no one will really notice if a mend is perfectly done or not. After a week, you’ll forget it too! But that prevents you from throwing away clothes that could just be mended a little.

3.       Something doesn’t fit you? Too small, too big? YouTube, homie. They have tutorials on how to fix these kinda things! All you need, again, is needle and thread.

4.       Organize clothes swaps with friends and/or neighbors. Everyone brings clothes they don’t need, put them in a pile. Go through the pile and grab whatever there is. There’s no money exchange, one could go home with 1 item and one could go home with 50 items. Who cares? The extra stuff… DONATE IT TO A SHELTER.

12 Tested Saving Tips For Low Income Earners To Grow Wealth

Saving Tips For Low Income Earners Saving or putting some money aside could be very hard most of the time, especially if living on a low income. The fact is we are not going to pretend about this, we all know how it is when going through tough times financially. When you have truck loads of unavoidable responsibilities, you will understand why many people don’t have savings anywhere. I and my…