hi friends. i am a 34 years old married women. how can i save extra money every month? i live in a joint family and we get fixed amount to spend. please help.
hi dear. you can easily save a lot of money by making a few changes in your lifestyle. when you go grocery shopping, try to buy products that are of local brands, fruits and vegetables that are seasonal, bulk packets, etc. always make a list when you go shopping as it helps in avoiding unnecessary expenses. you can easily make a lot of crafts at home to decorate your house or for gifting such as lamps, photo frames, cushions, etc. make a monthly budget where you keep aside some amount to save. try to stick to the budget to save more.
start paying attention and thinking about your targeted retirement balance. set a goal and an allocation and rebalance regularly to stay on track and mitigate risk. when i have extra money, yes!! it feels nice to spend it and know that i earn it on my own, and worked hard for it to get what i wanted. eat a well balanced diet. eating more, smaller meals instead of 3 big meals can help. exercise more-depending on what you have or if you go to a gym. you could always run on a treadmill, the eliptical machines are good. core secrets by gunnar peterson (he works with a lot of celebrities) is a good workout system in such a situation, a couple typically can just add condoms for may, and not have to think about these things. june will be the second month back on birth control pills, and if no missed pills, june will be fine and safe. condoms work great, and a couple should always have some on hand. condoms are versatile. good for back up use, etc... no worries. see more... be irritated and raise your concerns. working moms would have more help if men were given more benefits. it's great for everyone. 33 is not old. have kids whenever you are ready. well start by changing the way you dress and do a full 180 on the way your currently living life and see if she catches on. be the responsible man that will attract her attention. own your own life and live it to the fullest and if you can do that anything can happen. There could be a variety of leaderboards. Like one of top points overall, and another for the most points gained in the previous 4 weeks or something. I may never top to overall leaderboard, but I have a chance of getting on a monthly leaderboard. hi darla, having the deluxe dining plan will save you quite a bit. the only things you need to budget for are souvenirs and gratuity. i know once i introduced my daughter to pin trading and vinyl mickeys, my souvenir spending went up ten fold. if you are not familiar with them, both are based on disney themed merchandise that is sold throughout wdw. when you eat at a table service restaurant you will be given a receipt that shows how much your meal would have cost if you were not on the dining plan. it is customary to tip 15-18%. you can have the gratuity charged to your room or you can pay by credit card or cash. its hard for me to give you an estimate. i would assume for myself that i would spend about $40 per person per day on both tips and souvenirs. hope that helps. all the best - michelle an annuity is a form of insurance that gives an individual the right to receive a certain amount of money over a particular period of time, usually for the rest of one's life. people usually go for an annuity to plan for their future,