Posts tagged with "budget"

360 magazine, save money, money, Alejandra Villagra

How to Save Money For What You Really Want

Whether you are looking to save money in order to clear your debt, purchase a new car, put a deposit down on a new home, stage the perfect wedding,or go on the vacation of a lifetime, these simple budgeting tips will help you save money. It might seem difficult at first, but the key is to look at it as a spending plan rather than a restrictive budget. You will not be quitting spending completely, instead you will be prioritizing some financial goals over others.

Make a Budget

A popular budget that many people use to save money is the 50/30/20 budget. 

  • 50% of your post-tax income is used for necessities.
  • 30% is devoted to things you want.
  • 20% is stowed away in savings.

If you stick to this spending plan, you should be able to save a lot of money over the course of a year.

Use Digital Tools

There are lots of apps out there to help you budget. Some banks automatically transfer money from your checking account to your savings account each time you spend. You will not even notice that the money is gone until you start to see your savings grow. This is great because it allows you to save money with the minimum amount of effort. 

Collect Your Change

Empty your pockets when you get home each day and put the coins in a money box. Checking down underneath the cushions on the sofa, or underneath your car seat are also great ways to help fill your pot.

Cut Down on Expensive Clothes

It is possible to spend vast amounts of money keeping up with the latest trends in fashion. However, the clothes are often overpriced and tend to go out of style very quickly. It is okay to splurge on something you really love occasionally, but for the most part you can get high quality clothing at sites like this for a fraction of the cost.

Plan Major Purchases

Always plan to make major purchases, such as household appliances, furniture, computer equipment or cars, during annual sale periods. Post-Christmas, January sales and Black Friday events are perfect for this. Another underappreciated tip is to wait two days before making a purchase, even after you have decided on which product you are going to buy. This helps prevent buyer’s remorse.

Remain a Stranger to Online Stores

A great way to limit the amount of money you spend online is to opt out of creating online shopping accounts. You are much less likely to make impulse buys if you are required to go through the arduous process of filling out all of your personal data and billing information each time you click through to the online checkout.

Make Your Own Gifts

The cost of buying birthday, Christmas, anniversary, and wedding presents for all the various people in your life can really add up fast. It is not only much more economical, but it is usually seen as more thoughtful and caring to make your own gifts to give to loved ones. Even if you don’t spend a lot of time creating arts and crafts, sites like this can give you the inspiration you need to make a great gift.

Vaughn Lowery, 360 MAGAZINE

Top Tips to Cut Prom Costs and Still Guarantee a Great Night

Today, high school proms have evolved into red carpet events that can easily cost families hundreds of dollars. But the good news is that, according to the experts, there’s no need to blow your savings account on prom – you can do it on a budget and still ensure that your child has the time of their lives. Whether it’s buying outfits, arranging transport or getting hair and makeup on point, there are plenty of budget-friendly alternatives that you can swap for while still making sure that your teen looks and feels a million dollars on the night. We’ve put together some of the best money-saving tips for parents for the upcoming prom season. 

#1. Saving on the Prom Dress or Tux:

If you’ve got a daughter who’s going to prom, then chances are her dress is going to take the biggest chunk out of your budget. But the good news is that there are several things you can do in order to save money on the dress, or at least get a more value-for-money option. And the same goes if your teen is wearing a tux. 

Buy online – online shopping is a godsend when it comes to getting a prom dress or a tux. You can often find budget-friendly options at online stores. For instance, Jovani stock dresses to suit every budget (without the quality being compromised) which might be worth exploring . And, don’t just look at dedicated prom sites too; you may be surprised at what comes up in the evening dress section of your favorite online clothing store or the suit section at a popular menswear retailer. 

Rent – since the dress or tux is only going to be worn for the one night, renting instead of buying is a sensible option – however, this will mean that your teen has to be extra careful not to damage their outfit on the night. If you’re willing to take this risk, renting instead of purchasing outright can save a significant amount. 

Second hand – finally, whether you’re getting a dress or a tux for your teen, don’t rule out second-hand options. There will be plenty of parents selling off last years’ prom outfits at bargain prices. 

#2. Save on Accessories:

When it comes to accessorizing a prom outfit, you can end up spending much more than you’d bargained for if you’re not careful – especially if your teen wants the full works! Keep these tips in mind to make sure that you stay within your budget:

Keep it simple – according to the experts, this year it’s all about the earrings – so investing in a stunning pair of earrings will finish the outfit off nicely. Excessive bling isn’t on trend anymore, so there’s no need to go all out with necklaces, bracelets and rings. If you’re choosing accessories for a tux, a pair of quality cufflinks are ideal. Don’t forget that these are items that can be used again and again, so they make perfect graduation gifts too. 

Shoes – there’s plenty of dancing to be had at prom, so don’t overspend on shoes that are probably going to be coming off within the first couple of hours.

#3. Showstopping Makeup and Hair on a Budget:

Makeup is a must for most teenagers at prom – whether it’s a full face or a slick of tinted moisturizer. When it comes to makeup:

Multitasking products are your friend – if you’re getting new cosmetic items for your teen for prom, then opt for items that can double up, like lipsticks that double as cheek stain, or eye pencils that can be used for filling in brows. 

Use what you have – there’s no need to experiment with an entirely new makeup look for prom. If your teen already wears makeup, chances are they have a look in mind that they are comfortable with, and the products that they already have will probably do just fine. 

Practice makes perfect – when it comes to hair, going to a salon might not be necessary. Check out Pinterest and YouTube tutorials, and spend some time practicing styles beforehand so you can DIY it. 

#4. Arrive in Style for Less:

Celebrating with a meal and arriving to prom in style can be pricey, so keep these tips in mind:

Check out coupon sites – websites like Groupon can be an ideal place to look if you want to find the best deals on limo hire in your area, plus discounted meals at posh restaurants fit for a prom queen or king. 

Host it yourself – instead of a fancy restaurant, hosting a pre-prom dinner at your home or a cheap local venue can help to cut costs, especially if you get all the parents involved when it comes to bringing a dish along. 

Do you have any money-saving tips for prom of your own to add? We’d love to hear from you in the comments.

Top 20 Most Expensive Tourist Destinations

From Wizardry to Westminster: The Tourist Destinations that Magic your Money Away

 

A comparative study reveals the top 20 most expensive tourist destinations worldwide, with Harry Potter Studios ranking higher than the Houses of Parliament.

 

Berlin, 30 April 2019 – The online comparison and search portal, TicketLens, has published a list of the 20 most expensive attractions around the world according to admission costs. The findings aim to help diligent travellers budget their itineraries ahead of schedule. Researching and planning a holiday can be a tricky and exhausting task. From the cost of travel, accommodation, sightseeing, and food – it’s wise to start counting pennies in preparation long in advance.

 

Table: The twenty attractions in the world with the highest admission prices.

#
 Country
City
Attraction
Entrance Price
1
UK
London
Warner Brothers Studio Tour –

The Making of Harry Potter

$58.57
2
China
Hengdian
Hengdian World Studios
$57.48
3
UAE
Dubai
Burj Khalifa
  $55.65
4
UK
London
Madame Tussauds
$45.58
5
USA
New York City
Spyscape
$42.24
6
USA
New York City
Trolls: The Experience
$39.80
7
USA
New York City
Empire State Building
  $39.79
8
USA
New York City
Top of The Rock
$39.29
9
USA
New York City
Color Factory
$37.81
10
UK
London
Palace of Westminster
$36.46
11
USA
New York City
One World Observatory
$34.82
12
USA
Las Vegas
Avengers S.T.A.T.I.O.N.
$33.83
13
Iceland
Reykjavik
Perlan: Wonders of Iceland
$32.48
14
UK
London
Tower of London
$32.15
15
UK
London
Buckingham Palace
$31
15
UK
London
London Eye
$31
17
Tibet
Lhasa
Potala Palace
$29.68
18
Japan
Tokyo
Tokyo One Piece Tower
$28.44
19
Ireland
Dublin
Guinness Storehouse
$28.15
20
Spain
Barcelona
Casa Batlló
$28.15

 

Full Results can be found at https://www.ticketlens.com/en/magazine/the-most-expensive-attractions-in-the-world

  

Further findings:
 

  • If a visit to the viewing platform of the world’s tallest building, the Burj Khalifa at $55 is too expensive, you can switch to the world’s second tallest building – the 634 meter-high Tokyo Skytree, which costs just $18.

 

  • Madame Tussauds is a world-renowned wax museum. A visit to the exhibition in London will cost you $46 in admissions. Once inside, you can mingle among royals like Prince Harry and Meghan Markle, among other wax replicas of the rich and famous.

 

  • Entrance to Buckingham Palace costs $31. However, a visit to the Bavarian castle, Neuschwanstein, reminiscent of childhood fairytales, is a cheaper alternative, with admission prices just $14.50.

 

  • The most expensive attractions are often the newest and have branches around the world. Harry Potter, Trolls, Marvel and One Piece, are films that now have their own remarkable exhibitions, public studios, and attractions that showcase their unique characters and props.

 

  • With attractions on the list, a sightseeing trip to New York City is the most expensive destination. Holidaymakers would be wise to prepare a solid budgeting plan long in advance.

 

  • The Colour Factory, a pop-up exhibition currently based in New York City, offers trendy photo motifs alongside a pricey admission of $37.80.

 

  • The new One World Trade Center has a viewing platform that offers spectacular views of Manhattan and Central Park. With an entrance fee of $34.80, it’s cheaper than both the Top of the Rock observation deck, at $39; and the Empire State Building, also at $39.

 

  • The admission price of Potala Palace, home of the head of Tibetan Buddhism, the Dalai Lama, is $29.70. Visiting the Pope is a more economical alternative, with admission to the Sistine Chapel, his official residence in the Vatican City, just $18.

3 Top Tips on Buying Your First Car

As soon as you pass your driving test, all you want to do is get out on the roads in your very own car. As exciting as this time may be, however, it’s still highly beneficial to exercise a bit of caution and patience. When it comes to buying your first motor there’s nothing smart about rushing in — doing so will see you face more problems further down the road.

Exercising caution doesn’t mean being inactive when it comes to finding the perfect car for you, though. You should still be proactive at this time, and you should still try to set up your life as a driver in the most fruitful way possible. To find three top tips on how to buy your first car in the right way, read on.

1. Sort out the financial aspects of the venture

Before you do anything else in your car-buying venture, you need to work out your budget as well as how much you are willing to spend. This is essential because it’ll stop your spending from spiraling out of control, and it’ll help you to avoid paying too little and then having to face any buying regrets further down the line.

You also have to take future running costs into account. It’s no good just factoring the cost of the car into your financial plans. You also have to deliberate insuring the vehicle, getting it taxed, getting it tested, and then having work done to it to ensure it is roadworthy.

Something else that you must consider is how you are going to pay for your car. Are you able to buy the car outright, or will you be going down the financing route? Regarding the latter, if you wish to take out a car loan to cover your bill, then you should check out the best auto loans at Crediful.com. Doing so will help you to make the most informed decision on the matter possible.

2. Be scrupulous when it comes to checking your chosen car

You may think that you have found the perfect car for you, but that might not necessarily be the case. Any vehicle can be made to look and sound good on the outside, but you cannot commit to anything until you’ve meticulously checked that your chosen car is in good working order. This means checking to ensure that the quality of your car is in keeping with its age, its model, and the number of miles it has run; this means ensuring that the car can carry out all the functions and purposes expected of it; and this means it matches its description exactly. If you can’t perform these tests yourself, then have a trusted mechanic carry them out for you. Only then will any underlying problems with the car be unearthed, and only when these troubles are unearthed can you stop them from becoming actual headaches of yours.

If you want your first car to truly help you in your quest to grow as a driver, then it needs to be in full working order. Taking the above advice is the first step, but there is something else that you must do: take it for a spin. Only when you get behind the wheel yourself can you get a feel for the car’s capabilities. When you take it for a ride, you should test the clutch and the brakes to ensure they do not feel worn, you should head to a road where you can hit at least 60mph to ensure it is capable of high-speed driving, and you should make sure that the steering wheel does not vibrate while you drive.

3. Don’t trust everybody’s advice

As an inexperienced car owner, you will experience plenty of people sticking their nose into your car-buying business. The family members and friends of yours who own their own cars will try to give you an insight into car buying — their advice might come with the best of intentions, but they don’t know your situation quite like you do. There will even be car dealers out there who try to push you towards certain buys — the advice they give will be very much designed to sway you towards lining their pockets. This all means that the only person that you can really trust in this situation is yourself, and you’re the only one who can bring about the best results for you.

Your first car will always remain a favorite of yours, even after many years (and cars) have gone by. Be sure you invest in a car that’ll last for many years so that you do not have to worry about further expenses.

THE ECONOMIST x OPEN FUTURE

The Economist, a leading source of analysis on international business and world affairs, today announced “Open Future”, an editorially driven initiative (www.economist.com/openfuture) which aims to remake the case for The Economist’s founding principles of classical British liberalism which are being challenged from all sides in the current political climate of populism and authoritarianism.

“Although the world has changed dramatically since James Wilson founded The Economist to fight against the Corn Laws, the liberalism we have championed since 1843 is as important and relevant as ever,” said Zanny Minton Beddoes, editor-in-chief, The Economist.  “Yet the core tenets of that liberalism—faith in free markets and open societies—face greater resistance today than they have for many years. From globalization to free speech, basic elements of the liberal credo are assailed from right and left.”

Content for Open Future will be developed and organised around five themes: Open Society (diversity, and individual rights versus group rights); Open Borders (migration); Open Markets (trade, markets, taxes and welfare reform); Open Ideas (free speech); and Open Progress (the impact and regulation of technology). In addition to content from The Economist editorial staff, the Open Future hub will feature commentary from outside contributors, including from those with dissenting points of view.

The initiative launches with a debate between Larry Summers and Evan Smith about no-platforming and free speech at universities. Mr Summers is the Charles W. Eliot University Professor and President Emeritus at Harvard University. He served as Secretary of the Treasury for President Clinton and as the Director of the National Economic Council for President Barack Obama. Evan Smith is a Research Fellow in history at Flinders University in Adelaide, Australia and is writing a book on the history of no-platforming.

A special report on the future of liberalism written by editor-in-chief Zanny Minton Beddoes will appear in the newspaper’s 175th anniversary edition dated September 15th. And on that Saturday, the newspaper will host the Open Future Festival, to be held simultaneously in Hong Kong, London and New York. There will also be an Open Future essay contest for young people; surveys and other data visualizations; podcasts; social-media programs and new video from Economist Films.

MyWiT

Do you really want to give a brand-new phone to family and friends this holiday season?

With the holidays right around the corner, shoppers are getting ready to give the gift of technology. Top-of-mind, of course, are the shiny, brand-new devices that have hit the market this season.

However, it’s important to take a step back and really think about whether friends and family are actually…well…careful enough to deserve a new device – especially one that might cost well over $1,000.

A recent survey by protection plan provider Assurant found that of the 66% of mobile phone owners who have broken, damaged or lost a device, almost as many (65%) have done so at least twice!

Additionally, 73% of respondents reported dropping their phones at least once a week, with nearly one quarter (24%) reporting that it has fallen into the toilet. (One person even dug through a port-a-potty for it because it was too expensive to replace).

So, what’s the answer for giving great technology gifts to clumsy friends and family? Buy refurbished!

“Refurbished devices have come a long way,” says David Conti, director of eCommerce at MyWit, a leading consumer website selling refurbished devices. “They are now a high-quality, affordable alternative to a new device, as well as a great option for the eco-conscious.” According to Conti, the key benefits of buying refurbished include:

VALUE — ON AVERAGE, CONSUMERS SAVE HUNDREDS OF DOLLARS BUYING REFURBISHED VS NEW, WHICH CAN MEAN MORE GIFTS FOR MORE PEOPLE THIS HOLIDAY SEASON.

MOTHER NATURE — AT LEAST 100 MILLION MOBILE DEVICES END UP IN LANDFILLS EACH YEAR, SO THE GIFT OF A REFURBISHED DEVICE IS ALSO A GIFT TO THE PLANET.

QUALITY—IN THE LAST FEW YEARS, THE REFURBISHED AND RE-COMMERCE INDUSTRIES HAVE IMPROVED IMMENSELY. SITES LIKE MYWIT.COM PUT SMARTPHONES THROUGH AN INDUSTRY LEADING EVALUATION PROCESS INCLUDING 65+ POINTS OF INSPECTION TO GUARANTEE 100% FUNCTIONALITY.

While everyone loves Grandma, and wants to be the “favorite aunt” to their nieces and nephews, not everyone on every gift list really needs a brand-new device.

Bottom line: Gift-givers can stretch their budget this holiday season – without sacrificing quality – by buying refurbished at MyWiT.com.

About MyWiT

MyWiT is a global leader in mobile device repair, and understands that when it comes to purchasing pre-owned mobile devices, quality and reliability matter most. MyWiT has a state-of-the-art repair facility staffed by highly-trained, experienced technicians, and follows rigorous ISO quality control systems and processes to ensure their repair methods are consistently the best possible. MyWiT refurbishment and repair processes are OEM or carrier certified and their facilities are approved to perform up to Level 3 repairs for mobile phones, tablets, modems, and netbooks. MyWiT offers unparalleled support for mobile industry leaders, world-class service for mobile consumers and the ability to recognize, adopt, and leverage mobile trends.