Emmie is a regular contributor to 'Frugal Living'. She also writes for and administers her own personal finance blog. When it comes to shopping, Emmie certainly knows where and when to get the best deals and has acquired many proven tactics in stretching that dollar in all facets of life-shopping, dining out, commuting, travelling and investing. In her leisure, Emmie loves to comb the beach, listen to New Age music, travel to exotic places, read on her kindle and of course, write.
Summer will find its way here in a few months’ time. The end of the year will be a perfect time to host an outdoor party and catch up with friends we’ve not seen in ages. It is the ideal time of the year to enjoy the beautiful warm weather and slip into comfortable thongs [...]
When you move out and live with a friend or flat mate, budgeting becomes crucial. If you and your flat mate don’t budget your money well, chances are you will find it you’d have difficulty in paying expenses for your rental expenses. The pertinent thing to do is to create a budget incorporating all your [...]
Refurbishing your home can be a daunting task as it involves a lot of manpower and time. If not meticulously planned, the actual cost of your home renovation may exceed your budget. Hence, it is essential to do shop for economically-priced good quality materials and take into account every detail that needs to be put [...]
If you are thinking of starting a business but are cash strapped, there are many creative ways for you to market your product without breaking the bank. The first thing to do when you start a business is to figure out what your marketing budget would be for the first six months. Being on a [...]
Nowadays, communication has become so essential that we can’t go without a phone in hand. Moreover, we are lured by the cost of competitive mobile phone plans for our communication needs. We cannot resist the mobile phone deals that are paired off with a 12 or 24-month contract. Our communication means are not just limited [...]
Many senior citizens spend thousands of dollars each year on medication to treat chronic ailments like diabetes, rheumatism, hypertension and heart disease. While one cannot avoid seeking treatment for such ailments through medication, paying for prescriptions should not take a toll on the wallet. Creative methods should be adopted in order to cut costs without compromising on the quality of medication. Here’s how:
Effective budgeting starts with an understanding of how you spend your money, and evaluating your current spending habits. It is never too late to start a finance budget as long as you have a long-term goal in mind, and have a system put in place to track your expenditure and savings.
We all know that companies announce their products through advertisements to profit from the public. These products are not restricted to innovative gadgets or household merchandise. A lifestyle in the form of luxury cars or apartment, food, and services are also featured in advertisements that invade our daily lives.