Survive + Thrive

Money Tips

Managing money isn't fun for most, but there are simple ways you can cut back without noticing a thing. Pick up a few easy tips from people around the city.

How do you go about managing your money?

By Maxine Giza

If you're like a lot of people, the answer is probably that you don't. According to BankRate.com, the average graduate student has six credit cards and one in seven owes more than $15,000.

The thought of creating a budget may be enough to make you cringe, but it doesn't mean you have to give up your favorite things. With just a few simple changes in your everyday lifestyle you can stay out of the red without feeling like you are making any major sacrifices.

  • To budget your money, first find out where it is going. Start by tracking everything you spend money on for a month. While the process can be tedious, software such as Quicken can help you monitor your spending habits. Or, simply look at your recent bank statement. Then look at your take-home pay and see if the amount you spend is more than you are earning.
  • Experts recommend breaking down your expenditures into two categories: essential (i.e. food) and non-essential spending (i.e. entertainment).
  • There are also fixed and variable expenses. Fixed expenses stay the same from month to month, such as rent. Variable expenses change and include things such as eating out. It may be impossible to alter some monthly expenses, such as rent, but the amount spent on entertainment for example, can be altered in order to help you stay within your budget.

Early in your career, essential costs such student loan payments and health insurance may chew up a considerable amount of your paycheck. If you find yourself spending more than you make, don't whip out the credit card. Get creative and think of ways to cut back on your spending where you can.

  • For example, learn how to cook so you don't have to eat out as much is one easy way to eat less expensively.
  • When you do go out, skip appetizers and drinks.
  • Before making an expensive purchase, do some research to see where you can buy it cheapest.
  • Stay away from the vending machine at work. A 20 oz. bottle of soda can easily run you $1.25 or more, but at the supermarket you can buy two liters for the same cost.

 

72 Comments

Valuable info. Fortunate me I discovered your website by accident, and I'm shocked why this twist of fate didn't happened in advance! I bookmarked it.

I like Your Article about Money Tips - Survive + Thrive Boston Perfect just what I was searching for! .

Appreciate it for sharing Money Tips - Survive + Thrive Boston with us keep update bro love your article about Money Tips - Survive + Thrive Boston .

this is so really oh great

I got what you impart, thanks for swing up. Woh I am glad to mature this website finished google. Thanks For Share Money Tips - Survive + Thrive Boston.

I loved this article! Found your site on bing and my Orlando Plumber site, www.dgplumber.net Keep up the good work. I'll come back in a couple days to check for updates!

On it something is. I appreciate an explanation. All ingenious set up. (En ella hay algo. Gracias por la explicaciпїЅпїЅn. Todo lo ingenioso es simple.)

Fairly certain when called he'll have a good read. Thanks for sharing!

Hi! I just would love to present a tremendous thumbs up for your great info you have right here on this submit. I will be coming back again in your blog for a lot more before long.

Aw, this was a really great post. In thought I would love to put in writing like this moreover - taking time and true effort to make an excellent article… but what can I say… I procrastinate alot and in no way appear to get anything performed.

Regards for helping out, superb information.

laptop bags using household leather is my choice because household leather is far softer and appearance better.,

I dont normally comment on blogs.. But good post! We bookmarked your blog

I learned more a new challenge on this losing weight issue. Just one issue is a good nutrition is very vital whenever dieting. A massive reduction in bad foods, sugary meals, fried foods, sweet foods, red meat, and white colored flour products can be necessary. Having wastes parasites, and poisons may prevent ambitions for losing belly fat. While specified drugs briefly solve the situation, the terrible side effects are not worth it, plus they never provide more than a short-term solution. It can be a known undeniable fact that 95% of fad diet plans fail. Thanks for sharing your ideas on this weblog.

great stuff on out here

Most of what you assert happens to be supprisingly legitimate and it makes me wonder why I had not looked at this in this light previously. Your article really did turn the light on for me as far as this issue goes. Nonetheless there is actually just one position I am not too comfortable with and while I try to reconcile that with the actual main theme of the issue, allow me observe just what all the rest of the subscribers have to say.Nicely done.

fantastic post, very informative. I wonder why the other experts of this sector don't notice this. You should continue your writing. I am confident, you've a great readers' base already!

Yet another thing I would like to convey is that in place of trying to suit all your online degree classes on days that you finish work (considering that people are exhausted when they return home), try to find most of your instructional classes on the week-ends and only a few courses in weekdays, even if it means taking some time away from your end of the week. This is fantastic because on the saturdays and sundays, you will be extra rested in addition to concentrated in school work. Thx for the different tips I have discovered from your weblog.

I not to mention my guys came going through the nice information and facts from the website and all of the sudden developed an awful feeling I had not expressed respect to the web blog owner for those secrets. These guys were definitely consequently happy to read through all of them and now have in reality been having fun with these things. Many thanks for actually being simply helpful as well as for obtaining some high-quality themes most people are really desperate to learn about. My personal sincere regret for not expressing gratitude to sooner.

I'm curious to find out what blog platform you happen to be using? I'm having some minor security problems with my latest site and I'd like to find something more safeguarded. Do you have any suggestions?

Thanks for point of view prefere write my comment with my lang Et donc repondrons reparation des ordinateurs PC represente une avancee indiscutable informaticiens PC fixe electronique acquerir solution tracas techniques ou windows XP programmesl box internet imprimante jet d'encre cam stockage externe

Greetings from Colorado! I'm bored to tears at work so I decided to browse your website on my iphone during lunch break. I enjoy the information you provide here and can't wait to take a look when I get home. I'm surprised at how fast your blog loaded on my cell phone .. I'm not even using WIFI, just 3G .. Anyways, very good blog!

Exceptional post however I was wanting to know if you could write a litte more on this subject? I'd be very grateful if you could elaborate a little bit more. Appreciate it!

Wow that was unusual. I just wrote an incredibly long comment but after I clicked submit my comment didn't show up. Grrrr... well I'm not writing all that over again. Regardless, just wanted to say excellent blog!

Appreciating the time and effort you put into your blog and detailed information you offer. It's great to come across a blog every once in a while that isn't the same outdated rehashed material. Wonderful read! I've bookmarked your site and I'm including your RSS feeds to my Google account.

Greetings from Colorado! I'm bored to death at work so I decided to check out your blog on my iphone during lunch break. I love the information you present here and can't wait to take a look when I get home. I'm amazed at how quick your blog loaded on my mobile .. I'm not even using WIFI, just 3G .. Anyhow, amazing site!

Hey just wanted to give you a quick heads up. The text in your content seem to be running off the screen in Chrome. I'm not sure if this is a formatting issue or something to do with web browser compatibility but I thought I'd post to let you know. The style and design look great though! Hope you get the problem resolved soon. Kudos

Hey there! Someone in my Facebook group shared this site with us so I came to take a look. I'm definitely loving the information. I'm book-marking and will be tweeting this to my followers! Wonderful blog and amazing design.

Hi there! Quick question that's completely off topic. Do you know how to make your site mobile friendly? My site looks weird when browsing from my iphone4. I'm trying to find a template or plugin that might be able to resolve this issue. If you have any recommendations, please share. Thanks!

I really like what you guys are up too. This sort of clever work and reporting! Keep up the terrific works guys I've added you guys to blogroll.

Throughout the awesome scheme of things you actually get a B- for effort and hard work. Where exactly you actually lost me was on all the specifics. As people say, details make or break the argument.. And that couldn't be more true here. Having said that, allow me say to you just what exactly did do the job. Your text is actually highly powerful and that is probably the reason why I am making an effort in order to opine. I do not make it a regular habit of doing that. Next, while I can easily notice the leaps in reason you make, I am definitely not sure of how you seem to unite your ideas which inturn produce your final result. For the moment I will, no doubt yield to your point but hope in the future you connect your facts better.

Hi! This post couldn't be written any better! Reading this post reminds me of my good old room mate! He always kept talking about this. I will forward this post to him. Fairly certain he will have a good read. Thank you for sharing!

Thanks about paper prefere write my comment with my tongue Et donc ecrirons depannage des ordinateurs incarne une avancee evident geeks PC fixe micro-informatique d'acquerir le denouement embetements techniques comme windows server progiciels routeur internet imprimante laser camera stockage usb

I was curious if you ever considered changing the structure of your site? Its very well written; I love what youve got to say. But maybe you could a little more in the way of content so people could connect with it better. Youve got an awful lot of text for only having 1 or 2 pictures. Maybe you could space it out better?

Good day! This is my first comment here so I just wanted to give a quick shout out and say I genuinely enjoy reading through your posts. Can you suggest any other blogs/websites/forums that deal with the same subjects? Appreciate it!

My partner and I stumbled over here coming from a different page and thought I may as well check things out. I like what I see so i am just following you. Look forward to finding out about your web page again.

Hi! This is kind of off topic but I need some guidance from an established blog. Is it hard to set up your own blog? I'm not very techincal but I can figure things out pretty quick. I'm thinking about setting up my own but I'm not sure where to start. Do you have any points or suggestions? Appreciate it

Howdy are using Wordpress for your blog platform? I'm new to the blog world but I'm trying to get started and set up my own. Do you require any coding expertise to make your own blog? Any help would be really appreciated!

Hey there I am so thrilled I found your blog, I really found you by accident, while I was researching on Yahoo for something else, Nonetheless I am here now and would just like to say thanks a lot for a tremendous post and a all round enjoyable blog (I also love the theme/design), I don’t have time to look over it all at the minute but I have saved it and also included your RSS feeds, so when I have time I will be back to read much more, Please do keep up the superb job.

I do love the way you have presented this particular matter plus it does indeed offer us some fodder for thought. However, from everything that I have witnessed, I really wish as the actual responses stack on that individuals keep on point and not embark upon a soap box involving some other news of the day. Yet, thank you for this superb piece and even though I do not really agree with it in totality, I respect the perspective.

I have noticed that over the course of building a relationship with real estate entrepreneurs, you'll be able to get them to understand that, in each and every real estate deal, a percentage is paid. Finally, FSBO sellers never "save" the fee. Rather, they try to win the commission simply by doing the agent's task. In accomplishing this, they devote their money plus time to conduct, as best they can, the assignments of an realtor. Those assignments include disclosing the home by marketing, offering the home to all buyers, constructing a sense of buyer desperation in order to prompt an offer, preparing home inspections, handling qualification investigations with the mortgage lender, supervising fixes, and facilitating the closing of the deal.

I know that this is an exceptionally generic mention and you definitely wouldn't have to place it if you do not intend to; yet, I just needed to let you know that your webpage is superb, I surely enjoyed myself and experienced lots. Thanks again.

Hey there, You've done a fantastic job. I will definitely digg it and personally suggest to my friends. I'm confident they'll be benefited from this web site.

I'm extremely inspired along with your writing talents and also with the format to your blog. Is this a paid subject matter or did you modify it your self? Either way stay up the nice high quality writing, it's rare to see a nice blog like this one nowadays.

The very core of your writing whilst sounding agreeable originally, did not really settle properly with me personally after some time. Someplace within the paragraphs you managed to make me a believer but just for a very short while. I nevertheless have a problem with your jumps in assumptions and you would do well to help fill in all those breaks. When you can accomplish that, I will definitely be amazed.

I know this if off topic but I'm looking into starting my own weblog and was curious what all is required to get set up? I'm assuming having a blog like yours would cost a pretty penny? I'm not very internet smart so I'm not 100% certain. Any suggestions or advice would be greatly appreciated. Kudos

I am really enjoying the theme/design of your site. Do you ever run into any internet browser compatibility problems? A number of my blog audience have complained about my blog not operating correctly in Explorer but looks great in Opera. Do you have any recommendations to help fix this problem?

Does your blog have a contact page? I'm having a tough time locating it but, I'd like to send you an e-mail. I've got some suggestions for your blog you might be interested in hearing. Either way, great blog and I look forward to seeing it improve over time.

Do you blog? Do you blog to advertise items you are selling? I am rather new to the blogging world. I mainly blog to advertise products that I am selling and websites that I am selling on. How do I get traffic to my blog? Do I basically just need to add content? Does my blog get picked up in the search? Any advice on blogging is very much needed.. Hello, yes I mention it on my twitter account and also my other web-sites..

How long does a copyright last on newspaper articles?. . If a service copies newspapers articles and then posts it in a database on the Internet, is there also a copyright on the Internet content?.

What Is The Best Way To Import MySpace Blogs To Facebook?

How do i start a website and what is the approximate cost?

How to add your blogspot address to google web search?

How can I get Firefox 3 to stop logging me out everytime I close the browser?

I really want to start a blog about Fashion and cute things for girls. But I can't seem to know how to start it. I'm not that confident because I'm not sure if it'll have potential like other blogs. I also don't know if what I post should keep up with Fashion trends or be my style. Another thing, how do I give myself that inspiration to post every week? Should I research trends and cute things and write paragraphs on it or keep it short? Help!.

I am trying to build a blog as part of a project, and I have been told not use blogger or any of the blog building websites, Requirement is to get access to my blog privately without using any public site that requires me to log on to them before i get to my blog. How do i do it? Or is there any website that could help? Please help. I am in a race against time. Please.

How can I add a hit counter to my blogger blog?

How long does a copyright last on newspaper articles?. . If a service copies newspapers articles and then posts it in a database on the Internet, is there also a copyright on the Internet content?.

Can a blog really be that helpful? What type of content should a business blog have? If there are any blog experts out there please help me out. What are some good companies to set up a blog with? And any other general/specific information on setting up a blog for a business....

Can I get Firefox to always open media files in an external player?

I sign into my Tumblr account, and switch the dashboard from my main blog to the secondary blog, then I go to Account > Preferences > Customize your blog, but then it just takes me to the customization page for my main blog. Any way to customize my secondary blog, or should I just create a second account altogether?.

How do I use my wordpress theme on my regular subpages?

I find myself wanting another website to blog,post,etc. help ?.

Where can I find the best online creative writing courses? I live in NYC so which colleges offer the best online creative writing course? If not in a college than where else?.

Do you blog? Do you blog to advertise items you are selling? I am rather new to the blogging world. I mainly blog to advertise products that I am selling and websites that I am selling on. How do I get traffic to my blog? Do I basically just need to add content? Does my blog get picked up in the search? Any advice on blogging is very much needed.. Hello, yes I mention it on my twitter account and also my other web-sites..

How do i use frame or iframe to put facebook or else to blogspot?

If I start a blog on Myspace, will it get listed in search engines like Google? If so, is there a way to keep them from being crawled?. . Thank you.

It used to show at the top of my start list until I downloaded google chrome to see what it was all about, I didn't really like it so I deleted it but now firefox isnt at the top of start. Any ideas?.

Sweet blog! I found it while browsing on Yahoo News. Do you have any suggestions on how to get listed in Yahoo News? I've been trying for a while but I never seem to get there! Thanks

Howdy would you mind stating which blog platform you're working with? I'm going to start my own blog soon but I'm having a tough time choosing between BlogEngine/Wordpress/B2evolution and Drupal. The reason I ask is because your design seems different then most blogs and I'm looking for something unique. P.S Sorry for being off-topic but I had to ask!

Hi there! This post could not be written any better! Reading through this post reminds me of my previous room mate! He always kept chatting about this. I will forward this write-up to him. Fairly certain he will have a good read. Thanks for sharing!

That frontward exchange includes only two services, both interbank, the concept free of moisture (people say outright within Language), preferably compact attention, and therefore swaps. Compared to various markets, the main prepared futures trading stock markets never included on your fx market and therefore continue being marginal.


Leave a comment


Remember personal info?