money saving energy, lower electricity bill, save energy, how to save electricity at home, electric central heating, money saving hacks
Budget

37 Hacks to Save Money on Energy

November 1, 2017 Francisco Anes 0

As most of you know, I’m always looking into new ways of saving money at home. That’s why today I’m publishing this article about my favourite hacks and tips to save money on energy. Saving energy is one of the first things people look into when they want to start saving money. Some homes can potentially save hundreds of dollars just by making a few easy changes (that’s how it was for me). Keeping an eye on your gas and electricity bill is important and it will help you understand where Read more […]

save money on groceries, how to save money on food, meal planner, how to eat healthy, super cheap meals, food on a budget, frugal shopping
Budget

43 Hacks to Save Money on Groceries

September 10, 2017 Francisco Anes 2

I’m always looking into new ways of saving money at home. Most people start looking into monthly bills when they want to start saving more money. But, what about the grocery shopping? Did you know that in 2015, U.S. households spent an average of $7,023 (12.5 percent of income) on food? (Source: BLS) That’s an average of $585 per month which is a lot! We may don’t realize, but food waste can cost you an average of $53 per month. A recent study proved that U.S. households trash $640 in food a Read more […]

Smart home gadgets, how to save money, brita, save electricity, smart power strip, fluorescent light bulbs, efficient shower head, electricity usage meter, gadgets 2017
Budget

5 Smart Home Gadgets That Will Save You $2,117.50 Every Year

August 26, 2017 Francisco Anes 0

I can’t hide how much I love gadgets. I really enjoy devices that help me make my life easier. Plus, I’m also a saving money addict. I’m sure it sounds a bit controversial: buying and saving. That’s why in this post I share how I managed to combine both passions: I simply buy gadgets that can pay for themselves in the long run. Some of them even help me save more at the end of each month. Another good thing is that many of these gadgets, not only save money but make a positive impact on Read more […]

How to build an emergency fund, make extra money, save money in shopping, create a budget plan, emergency money
Budget

15 Practical Ways to Start Building an Emergency Fund

August 20, 2017 Francisco Anes 0

A few weeks ago I published the article Why You Should Build an Emergency Fund for your Family. As I mentioned in that article, an emergency fund is cash that you’ve put aside with the intention of helping you keep your normal life when an emergency in life shows up. One of the key points to good financial planning is preparing for the future, whatever is to come. That’s why an essential part of a solid financial plan is an emergency fund. I think that everybody must have an emergency fund Read more […]

Emergency Fund, Financial Planing, How To Save Money, Emergency Savings Account, Saving Money Tips, Emergency Fund Calculator, Personal Finance
Budget

Why You Should Build an Emergency Fund for your Family

July 30, 2017 Francisco Anes 2

I truly believe that you need an emergency fund. Not just you, but everybody! An emergency fund is cash that you’ve put aside with the intention of helping you keep your normal life when an emergency in life shows up. When you have nothing saved, any unexpected expense becomes an emergency that has to be paid with your credit card (and everybody knows what happens with credit card debt!). Don’t get me wrong, credit cards can be great if used in the right way (I get a lot of travel Read more […]

emergency fund, how to create a budget, how to pay off debt, how to save money, make extra money, pay off credit card debt, ways to save money
Budget

How To Pay Off Your Debt In 7 Steps

June 25, 2017 Francisco Anes 0

A few months ago I published the article 9 Reasons Why You Can’t Save Money Every Month. As I mentioned in that article, I believe the first step to paying off your debt is to realize why you’re in debt. Credit card debt, car payments, and student loans are some examples of debts that are costing you money—and are probably causing you unnecessary stress too. The good news is that once you make paying off your debt a priority, it’s often easier to do than you think. If you don’t know Read more […]

create a budget
Budget

How To Make A Budget Plan For Your Family

March 22, 2017 Francisco Anes 4

Do you have a budget already? Is it actually working for you? Having debt is one of the main reasons for stress and anxiety in America. Most people have debts that need to be paid (student loans, mortgages, credit card loans, etc). In order to pay them on time and at a good pace, a budget plan is required. The sooner you pay your debt, the better! According to Bls, the average American saves a 4.7% of income per year and a 76% admit to living paycheck to paycheck. (source:  CNN Money) I think Read more […]

simplify your life in 2017
Budget

16 Ways To Make Your Life Easier in 2017

February 25, 2017 Francisco Anes 0

Life can be a chaos, that’s why learning how to make your life easier is important. Taking control over your life can become a challenge while paying your student loan, saving money for a house, travelling around the word and paying bills. What about if you try to make things a bit easier? We are already in 2017, and as every year, starting with positive energy will help you being motivated and give the best out of you. I don’t know about you, but for me, simplifying things makes me more productive Read more […]

how to travel on a budget
Budget

How To Travel On A Budget And Save $1,320 In Your Next Trip

February 21, 2017 Francisco Anes 4

“Travelling is expensive” is what many people always say. However, you can travel on a budget and still enjoy it! In fact, many of my trips are like this, on a budget. That’s the reason why I can do more than 10 trips per year. There is a lot of people thinking that travelling is only for rich people or that you need thousands of dollars for a good vacation. That’s far from the truth. A good vacation requires planning, research and a budget, and with this post, you will learn all these three. Because Read more […]

Budget

9 Reasons Why You Can’t Save Money Every Month

February 15, 2017 Francisco Anes 6

It seems logic that the main reason why you can’t save money every month is because you don’t have money, but sometimes it helps to remember it. If your expenses are the same or higher than your monthly income, then you will never save any money. The first step to start saving money is to realise what is the root cause of the problem. Each personal case is different but all of them have the same thing in common, you need to change. If you don’t know what your problem is, then you’ll be stuck and Read more […]

save money every month
Budget

September is back, the saving challenge: 25+ Ways To Save Money

September 4, 2016 Francisco Anes 4

September is back! And with it, all the new season stuff, new school books for the kids, new seasonal clothes and coming back to work after holidays. How scary is that! After the summer, I always struggle. I look back at my accounts and I think… oh my gosh! what did I do? Yeah, plenty of money spent on holidays, fancy dinners and parties. I never regret what I did, but I always try to look forward to finding new ways of saving money. And you know what? It’s challenging and it’s fun. Below are Read more […]

Budget

10 Tips to Save Money and Increase Your Savings in a 30%

January 5, 2016 Francisco Anes 0

Saving is hard and sometimes can become a headache. Time ago I was struggling with how to save money. I wanted to buy a car, move to a bigger house and travel around the world; the only problem is that if I wanted to do all those things I wouldn’t be able to save much. In this post, you will read my top 10 strategies which help me to increase my savings in a 30% and allow me to do all those things I wanted in my life. #1 List your expenses during one month. Saving money is not as hard as Read more […]