Have you ever looked at your financial statements and wondered where the hell did my money go?  Yes, it happens to everyone but we’re here to tell you there are ways to eliminate that feeling completely! Say goodbye to buying stuff you don’t need and say hello to extra disposable income. It is possible for you to turn your finances around and it doesn’t have to be hard or painful. If you apply some of the tips we’re about to share, you’ll find yourself becoming richer than you ever thought possible.

Switch up your bank

You might feel loyal towards your bank but is it really the best option for you? Shop around and see how much you could be saving in transaction fees. Some local banks might offer some attractive package for new customers such as increased interest rates on savings and cash back deals. Don’t be afraid of hurting the banks feelings, they’ll get over it.

Sign up to loyalty regards program

Forget what we wrote about banks, most times it pays to be loyal. If your grocery store is offering a rewards program, sign up. You will spend the money anyway, might as well get points/money back/gifts/deals out of it. This can apply for food, coffee (hello 10^th cappuccino free!), travel, even gambling! If you indulge in online casinos, make sure you join one with great Loyalty Program to maximise the returns on your money.

Cook for a big family…

Even though it’s just for you. Always double or quadruple the quantities of food you make. Buy in bulk to save on the cost of ingredients. You can then eat leftovers for the rest of the week, saving in on restaurants and take-outs. It’s an easy solution to save money, it’s also super time efficient.

Buy the generic brands

Why pay more money just for a brand name you recognise? When it comes to cereals, shampoo, and even medicine, often time the generic brand is just as good a way cheaper. You will discover that the only difference between the products is the amount of money spent on marketing.

Stop buying books

We’re all guilty of impulse purchase. For example, it is very tempting to splurge for a good book. Well resist that temptation because libraries are there for you and they’re free! So many books, DVDs, and magazines free just for you. Do the right thing, book-loving reader, and hit the local library.…

You don’t need to know how to count cards to make sure you bring your money home from the casino.  It’s no accident the gambling industry brings in billions of dollars every year but there are ways you can learn to spend less in an online casino and walk off a winner. With a bit of discipline, you too can develop techniques to keep yourself in check. Here are a few tips you can use to indulge in gambling without breaking the bank.

1. Don’t drink and play

While it might seem fun to combine the sources of pleasure, we’d recommend against it when playing at online casinos. Drinking impairs your judgement, which is a bad combination with giving your credit card information to the casino. You want to stay alert at all time and fully aware of what’s happening, you’ll even become a better player. Avoid easy mistakes: stay away from the vino.

2. Learn the basic rules and strategy

It’s quite baffling to see how many players jump into a game they don’t know the rules to. Do yourself a favour and google the basic guides to whichever games you want to play. Knowing the basic rules and strategy will increase your odds of winning against the casino and therefore reduce your losses on the long term. You can then spend more time playing the games you love. Doing your homework pays out, even in online gambling.

3. Join the loyalty program

Most online casinos like Grand Mondial will offer a loyalty program for their members and they are definitely worth joining. By using the exclusive promotions and extra perks, you’ll get more value for your money. Whether it’s accumulating points or playing certain games, the savvy decision is to optimise your deposits to maximise the rewards.

4. Set a budget and stick to it

While preferably, you want to walk off while you’re ahead. We would also recommend setting a maximum amount you can afford to lose. If you hit that amount, know it’s the time for you to walk away.   When it’s all said and done, you want to remember the good times, not when you lose too much money. Hopefully these tips will help you become a savvy online gambler. Feel free to share your own techniques in the comments below.…

Money often costs too much.

It feels like everyone is complaining about money these days. Some don’t earn enough money at their job and they feel trapped. Some burn their cash at the clubs and don’t save enough. A few lucky persons have the money to invest but fear to make the wrong choice. What if I tell you the key to long-term financial health is look out for the compounding element?

Even bad coffee is better than no coffee at all.

Every recurring factor can work for you or against you. That $5 Starbucks coffee you indulge in every morning? That’s $1825 a year! You could get a round trip to Europe or bring your retirement date closer with that money. Well 5 dollars here and 5 dollars there has big impact on the long run.  I’m sure you can think of recurring expenses you could get rid of to fatten up your savings account at the end of the year.

The worse the haircut, the better the man.

An easy offender to spot is the regular trip to the hairstylist. It’s a fact of life that hair keeps on growing and that our haircut is a big component of our personal style. You have a few options: go to the cheapest barber shop near your place, wait as long as you can before making an appointment, and finally grow a pair and start cutting your own hair. Next stop on your list of offenders should be the daily coffee or glass of wine. Now don’t get me wrong, I know how hard it is to stop cold turkey. If you’d rather turn to an inexpensive alternatives than stop completely, it will still have an impact on your savings at the end of the year.

Life is more fun if you play games.

What about entertainment? It feels like cutting on fun experiences is like not living your life to the fullest. What you can do however so to find some cheaper alternatives that will fulfil your desires for adventure and keep your bank account well furnished. I choose to rent a movie with my friends at home instead of splurging on cinema tickets. I seek free shows instead of spending $80 on a fancy play. I’ve even stopped going to the Casino with the transports, drinks and chips it just wasn’t worth it. I’ve started playing on my phone instead and seek great deal on first deposit bonus. I can always compare the best options for me. Now it’s your turn, tell me your strategies to cut back on expenses. Share in the comments below.…