Ways to Save Money

In these hard times, money is hard to come by so you should know how to save it until things get better. Since it is a balancing act that is somewhat challenging, here are a few ways that can teach you how to save money. If you don’t want to lose your home like a lot of Americans have over the past year, you have to kill your debt first. You do that by calculating how much money you spend in a month and then see where the budgets can be made so there is money you can use to pay ...

Five Practical Ways to Save Money for Students

It can be hard to think of ways to save money especially for students since they don’t have their own money yet. This is because at times, for all the expenses while on campus, there is barely left to save. Although it is hard, it doesn’t mean that it is impossible for students to save money while studying. All they need is to develop good time management skills, strict budgeting, and practicality. If you are one of those who are thinking of ways to save money while on campus or even before you enter one, here are some of the ...

Six Simple Ways to Save Money

No matter where you look at it, there will be always ways to save money if the person has the will do so. If you are one of those who are trying to come up with ways to save money in this unstable economy, it is best to start with developing a simple lifestyle. When you are able to do this, the rest will follow. But, if you are one of those who are not sure where to start, here are some eight simple ways to save money. 1. Cut down on grocery or shopping sprees. Although buying groceries is a ...

Save Money Without Feeling Poor

Yes. You are feeling the economic crunch. Times are hard and you are finding it hard to even make both ends meet with the rising costs of basic necessities and the fact that you lost one of the part-time jobs that you are holding. This is the common scenario that people, not only in the US, is feeling. They may not have lost their jobs but they have certainly found it hard to earn extra. Can you blame them then if they look for ways to cut costs and save money? Although it looks like a pretty daunting task, it’s not ...

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5 Ways To Save Money On Your International Roaming

Go Figure! After having recently returned from a nice relaxing holiday in Europe (Amsterdam, Prague and Vienna) I can definitely relate if you are one of those people who thoroughly enjoy 1 Euro half pint beers, but feel the hangover kick in a month later when you open that 100 Euro mobile phone bill. Funny how that works huh? You work so hard to save money via outsourcing and/or setting up an International office where you do a lot of business abroad only to blow your savings on wireless roaming every month. As the current average roaming rate in China (across the industry) is $5.99/minute whether you are making or receiving a call, I'm sure you can see how this can quickly add up even if the only thing you are doing is retrieving your voice mail. So I have decided to share with you some of my clever tricks that I often use to help my clients save a ton of money on their international wireless roaming fees.

5 Ways to Save Money on Your International Wireless Roaming

1. Jajah, ?Free Your Voice? with FREE CALLS to CHINA!

Think of it like Skype for cell phones. Most of the carriers intentionally put a 'delay? in your wireless handset on the data service hence if you have ever tried to use Skype from your mobile you hear an echo. Unfortunately, it is not a bad connection. It is basically a diplomatic way to keep you from taking up precious and valuable space on the data network and getting a little bit carried away with your ?unlimited? data package. Just like nothing in life is ?Free? neither is anything truly ?unlimited?. At any rate, Jajah is a FREE download for your cell phone. As long as you and the person you are calling have Jajah software downloaded on your respective handsets you can call each other for free and talk unlimited . Jajah makes its money from website advertising and selling other premium services.

2. Babble Stick: Oh the beauty of IP based telephony.

Plug your Babble Stick into any PC around the world and make free phone calls. They also have a handset version of the stick which is really small and cute (it's on their website). Babble Stick uses a secure software platform integrated on a USB key with audio devices and drivers built in. There is no special software required. Additionally, instant messaging and voice mail comes standard with your Babble Stick. Just plug in and babble away. That word is starting to grow on me. I think I am going to start saying ?Babble? instead of talk and ?Handy? instead of cell phone, ?cause dat's what they say in the U.K. Ok now, carry on.

3. Unlock Your Phone and use a Pre-Paid SIM Card.

And better yet if your company uses Voice Over Internet Protocol (VoIP) telephony service, forward your extension to your mobile number. The reason why is the Pre-Paid SIM Card phone number is different from your regular cell phone number that is why forwarding your number is recommended so that you only have to give people one number to reach you (although you can forward your phone number from any phone that has a call forwarding feature built-in, beware the per call forwarding fee). Unlocking your phone means having the carrier restrictions released so that you can use your phone with any GSM carrier SIM Card. The 2 major benefits of unlocking your phone/BlackBerry is: #1, you can use your phone anywhere in the world there is a GSM network as opposed to only in the places your carrier has roaming agreements in place and #2 You can save a crapload of money on your roaming fees by using the local provider in the country which you are located. With a pre-paid SIM Card you are paying local rates when you make and receive calls within that country and also in most European Countries calling party pays which means essentially your incoming calls are free. If you are a T-Mobile subscriber who has had service for more than 3 months you can call T-Mobile Customer Care and request to have your phone unlocked for free. They will provide you with the unlock code and give you the instructions to manually unlock your phone. For all other GSM carriers you will have to use a third party provider and pay a nominal fee. I personally use and recommend: Unlock It Now And for all persons looking to obtain Pre-Paid SIM Cards at an aggressive international rate, the most aggressive international rate with FREE incoming calls I have found is through Cellular Abroad.

4. Try to use your data features such as email and text messaging as opposed to making voice calls when possible.

Using two-way messaging and email is considerably less expensive than per minute call rates. And use your Babble Stick to check your cellular voice mail when possible.

5. Palm and BlackBerry users who travel overseas regularly throughout the year should call their respective wireless carriers and request an international data package.

This will allow you to get unlimited use of your email at a flat fee when you travel abroad. The rate is about $12-15/mo additional. And bonus: You can set up your BlackBerry or Palm as a modem and tether it to your laptop to save on your daily hotel Wi-Fi rate.

Cheers.