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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Get Fit, Burn Fat, Save Money, Time and the Planet – Get a Bike!

This morning I received my cycle insurance documents through the post, which means that I have had my lovely bike for a whole year. During this last year I have rekindled my passion for cycling, and am truly nuts about it. There is so much to shout about that is brilliant about cycling; you get fitter, you can get places faster than in the car, you do not have to queue in traffic, you are keeping slimmer, you are helping save the planet, you feel free as a bird!
Here are some approximate statistics from my year of cycling to work to get you thinking:

? Cost of my bike including panniers, lights, reflective jacket, insurance etc: ?500 (paid in installments of ?50 a month interest free).
? Minimum petrol saved: ?550.
? Parking costs saved: ?300.
? Days I couldn't face cycling to work (I did cycle in the snow): 5!
? Miles cycled to work: 1700 (2736 Km).
? Calories burnt cycling to work (not including the weight of the panniers and the fact that I cycle like a demon!): 360,000 Kcal (worth 97.2 lbs/ 42.14 Kilos body fat): that is 1286 mars bars!
? One journey between jobs took a minimum of 30 minutes through lunchtime city-centre traffic, and 5 minutes through cycle paths on my bike. That is 25 hours spent in the car, versus just over 4 hours cycling. Time saved: 20 hours; nearly a whole day of horrid traffic jam stress!
? My car journeys to work would have emitted 547kg of carbon into the atmosphere. In order to offset this (remove the damage), I would have needed to plant 28 mature trees.
? Smug feeling while sailing past vast queues of gridlocked traffic; immeasurable!

If you live in the UK and think that you could cycle to work, then check out the Department of Transports scheme, where anyone can claim back up to 50% of the cost of a new bike through their employers. Cycling to work and back will help burn up any accumulated stress hormones floating around your body, leaving you less stressed and generally healthier;. Visit http://www.cyclescheme.co.uk to see how much you can save on a bike, and http://www.bikeforall.net/ for further details. Wherever you live in the world plot your cycling/walking/running miles to work (or play), along with the amount of calories you could burn; http://www.gmap-pedometer.com Even if you do not travel to work, you can dust off your bike, and get cycling; saving time, stress, money and boosting your health and enjoyment of life.
Until next time,
On yer bike!