background preloader

190 Resources For Saving Money

190 Resources For Saving Money
In the more than two years since we published our first article, we've found quite a few resources that can save you money and headaches. Here's the ultimate guide to 190 of the best budgeting tools, deals & coupon sites, rate comparison engines, and personal finance resources online. This list has everything you need to start saving money immediately. Tweet This Page Award Categories: Best Online Money Management Here are ten online money management tools to help you figure out where your money is going. Mint The easiest way to keep track of your finances online. SpringCoin SpringCoin is an online debt relief coach that paves a clear “get out of debt” roadmap. SmartyPig Hands-free savings account for specific goals or purchases. Springpad This awesome app is like Google Notebook on steroids. PearBudget The 1% of money management software you actually need. JustThrive Quicken Personal Finance Buxfer Buxfer makes it easy to track IOUs and shared expenses among friends. RateSurfer TurboTax GasBuddy Zilok

100+ Google Tricks That Will Save You Time in School – Eternal Code [via onlinecolleges.net] With classes, homework, and projects–not to mention your social life–time is truly at a premium for you, so why not latch onto the wide world that Google has to offer? From super-effective search tricks to Google hacks specifically for education to tricks and tips for using Gmail, Google Docs, and Google Calendar, these tricks will surely save you some precious time. Search Tricks These search tricks can save you time when researching online for your next project or just to find out what time it is across the world, so start using these right away. Convert units. Google Specifically for Education From Google Scholar that returns only results from scholarly literature to learning more about computer science, these Google items will help you at school. Google Scholar. Google Docs Google Docs is a great replacement for Word, Excel, and PowerPoint, so learn how to use this product even more efficiently. Use premade templates. Gmail Use the Tasks as a to-do list.

Infographic: The True Cost of Homeownership Everyone is talking about how now is a great time to buy a home. And, on the surface, it looks like the perfect time. Home prices are low, and mortgage interest rates remain at near-record lows. When many people start thinking about purchasing a home, they usually get excited about figuring out how big a house they can get, and use online mortgage calculators to help them estimate monthly payments at a specific interest. The following infographic from CreditLoan.com offers a sobering look at how much it can cost to own a home. You can experiment with your own set of numbers at New York Times. There are a number of financial experts that recommend you plan to live in your home for five to seven years if you buy. Before you run out, willy-nilly, to buy a home just because it is such a good deal, it is a good idea to carefully consider the costs. Finally, consider other options before you buy a home.

60 Ways / 100 Days - Improve Your Life Contrary to popular belief, you don’t have to make drastic changes in order to notice an improvement in the quality of your life. At the same time, you don’t need to wait a long time in order to see the measurable results that come from taking positive action. All you have to do is take small steps, and take them consistently, for a period of 100 days. Below you’ll find 60 small ways to improve all areas of your life in the next 100 days. Home 1. Day 1: Declutter MagazinesDay 2: Declutter DVD’sDay 3: Declutter booksDay 4: Declutter kitchen appliances 2. If you take it out, put it back.If you open it, close it.If you throw it down, pick it up.If you take it off, hang it up. 3. A burnt light bulb that needs to be changed.A button that’s missing on your favorite shirt.The fact that every time you open your top kitchen cabinet all of the plastic food containers fall out. Happiness 4. 5. 6. How many times do you beat yourself up during the day? 7. Learning/Personal Development 8. 9. 10. 11. 12. 13.

201 Ways to Arouse Your Creativity Arouse your creativity Electric flesh-arrows … traversing the body. A rainbow of color strikes the eyelids. A foam of music falls over the ears. It is the gong of the orgasm. ~ Anais Nin Creativity is like sex. I know, I know. The people I speak of are writers. Below, I’ve exposed some of their secret tips, methods, and techniques. Now, lie back, relax and take pleasure in these 201 provocative ways to arouse your creativity. Great hacks from Merlin Mann of 43 Folders

Worth Monkey - The blue book for used electronics and more! Your Body Language Art by LaetitziaAs we all know, communication is essential in society. Advancements in technology have transformed the way that we correspond with others in the modern world. Because of the constant buzz in our technological world, it's easy to forget how important communicating face-to-face is. When conversing old-school style, it's not only speech we verbalize that matters, but what our nonverbal gestures articulate as well. Body language is truly a language of its own. 10% from what the person actually says40% from the tone and speed of voice50% is from their body language. Lowering one's head can signal a lack of confidence. Pushing back one's shoulders can demonstrate power and courageOpen arms means one is comfortable with being approached and willing to talk/communicate

An Essay by Einstein -- The World As I See It "How strange is the lot of us mortals! Each of us is here for a brief sojourn; for what purpose he knows not, though he sometimes thinks he senses it. But without deeper reflection one knows from daily life that one exists for other people -- first of all for those upon whose smiles and well-being our own happiness is wholly dependent, and then for the many, unknown to us, to whose destinies we are bound by the ties of sympathy. A hundred times every day I remind myself that my inner and outer life are based on the labors of other men, living and dead, and that I must exert myself in order to give in the same measure as I have received and am still receiving... "I have never looked upon ease and happiness as ends in themselves -- this critical basis I call the ideal of a pigsty. "My passionate sense of social justice and social responsibility has always contrasted oddly with my pronounced lack of need for direct contact with other human beings and human communities.

Leather Lanyard Bracelet DIY Fashion If you went to Summer Camp as a kid, you’ll totally remember making lanyard keychains with that brightly colored plastic lace {I had tons of them!} …so I thought, why not do it with leather lace? And I did. And I love them! Pair them with stacks of other bangles and bracelets to add a little texture! {p.s. you can also make this into a necklace, headband or belt as well} So I thought I’d show you how …and if you like, you can buy one of mine because I’ve listed a few in my Etsy shop. Here’s What You’ll Need… * Leather lace * Chain * Clasp * Needle nose pliers/Scissors NOTE: There are tons of lanyard making videos on youtube if these instructions are a bit confusing! Steps… * Cut 2 strips of leather lace. * To begin, find the middle of one of your laces and wrap it twice around your finger. * To secure the end knot, leave your last box stitch loose then with each lace, loop around your nearest loop/under/up through the center …all the way around. Voila! Have Fun! Find all my DIYs here!

Get 25 packets of free organic seeds Starting a garden from seed can be an expensive proposition if you're ordering online and buying from seed catalogs. A handful of harder-to-find heirloom seeds can cost as much as a frou-frou cup of coffee. Factor in shipping charges and you'll be wondering how starting a garden is supposed to save you money. Fortunately, experienced gardeners can be some of the most generous people — especially where seeds are concerned — and they are often willing to part with seeds to help a new gardener. Below are some tips on places you can go online and in real life to get your green thumbs on free garden seeds. Gardening forums When I started my first real outdoor garden, I was lucky enough to have been part of an online forum filled with gardeners who where as generous with their knowledge as they were with the seeds from their gardens. Sometimes gardeners unload excess seeds on newbies for what is known as Self-Addressed Stamped Envelopes offers. Seed swaps Seed libraries Save your own seeds

50 Drinking Games Guaranteed to Get You Hammered What’s more fun than hanging out with your friends, getting plastered, and making an ass of yourself? Playing drinking games, hanging out with your friends, getting plastered, and making an ass of yourself. I’m sure in your years of wisdom and experience, you’ve come across a few drinking games. Here are some of your favorites and most likely some you’ve never seen. 1. Across the Bridge You need: A deck of cards and 2 or more people Deal ten cards face down in a straight line. 2. You need: One quarter, a pitcher, beer (of course), 8+ people (2 teams) Pour beer into the pitcher. 3. You need: One deck of cards and 4 people The play: Start by dealing out all of the cards. Ranking system: The four players are ranked as follows for each round played. - President: The first person to go out - Vice President: The second person to go out - Secretary: The third person to go out - Asshole: The last person to go out Ranking Privileges: 4. Don’t worry. 5. Place a deck of cards on an empty bottle. 6. 7. 8.

50 Things Everyone Should Know by Mark and Angel Self-reliance is a vital key to living a healthy, productive life. To be self-reliant one must master a basic set of skills, more or less making them a jack of all trades. Contrary to what you may have learned in school, a jack of all trades is far more equipped to deal with life than a specialized master of only one. While not totally comprehensive , here is a list of 50 things everyone should know how to do. 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. 14. 15. 16. 17. 18. 19. 20. 21. 22. 23. Read the rest of the article

9 Mindfulness Rituals to Make Your Day Better “Smile, breathe and go slowly.” - Thich Nhat Hanh, Zen Buddhist monk Post written by Leo Babauta. Are you simply moving through your day, without fully living? I did this for many years. It was as if life were just passing by, and I was waiting for something to happen. But today isn’t preparation for tomorrow. Fully live today by being mindful. You don’t need to do all of these, but give a few of them a try to see if they make your day better. Mindfulness Rituals Ritual isn’t about doing a routine mindlessly. Here are a few of my favorites: 1. 2. 3. 4. 5. 6. 7. 8. 9. These rituals aren’t the only time you should be mindful, but they’re great reminders.

Cool Interior Tree Home: Best Kids Bedroom Design Ever? There are a lot of ways to make a nice bedroom, but for kids there is an element of excitement that is just as important as bedroom size and style. As these pictures illustrate, a cool bedroom for children can be a virtual fantasy world in itself – in this case by making the outdoors the driving interior design idea and central concept of the bedroom space. Complete with climbing ropes, ladders, swings and all kinds of hidden storage spaces, this bedroom brings all of the elements of an outdoor play space inside and makes the room feel like a self-sufficient home at the same time. The best part, of course, is the tree house in the center of the room – who would not have enjoyed that as a kid growing up? Though this kind of cool bedroom design for kids can of course be contracted out to someone else like Kidtropolis, it is also perhaps an opportunity for a fun do-it-yourself project that engages children in the activity of designing and building their own space.

Freedom Vaults : Guidelines for Saying No to Police Searches One of the main powers that law enforcement officers carry is the power to intimidate citizens into voluntarily giving up their rights. Police are trained to believe in their authority and trained to perform their interactions with private citizens with confidence. It is their job to deal with problems and they learn to manage uncomfortable situations through strength. Most people, when confronted by police get a mild panic reaction, become anxious, and try to do whatever they can to minimize the time spent with the officer. Because of the imbalance of power between citizen and officer, when a law enforcement officer makes a strongly worded request, most people consent without realizing that they are giving up constitutional protections against improper meddling by the State in the private affairs of citizens. A common situation is that of the traffic stop. Unfortunately police will often try to push citizens to accept a search, to the point of ignoring when you say "no". The Terry v.

Related: