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19 Valentine’s Day date ideas. #love #valentinesday

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Because you love his romantic side. And he loves seeing you smile.
  • After all this time, you are still each other’s favorite person to spend time with.

    So why not use this February 14th as just another reason to spend that time together doing something fun?

    Need some ideas? Here you are!

  • 1. Cook something yummy together

    Find a new recipe you both want to try. Or take a cooking class together. Watching his inner chef come out will be cute. And in the end, you get to enjoy a yummy meal together.

  • 2. Take a dance class

    So your cha-cha might not be the smoothest thing ever. But he thinks it’s cute. Try learning some new dance moves together that you can use at home later on when your favorite song comes on the radio.

  • 3. Visit a farmer’s market

    Pick out some fresh ingredients for salsa, or grab some fresh fruit. Or head to a winter market for squash and jarred goodies.

  • 4. Go on a dinner cruise

    A delicious dinner while surrounded by water and stars – need we say more?

    Or, if this doesn’t fit the budget at the moment, spend the evening planning the details of a future vacation, and then start saving so you can take it.

  • 5. Visit a museum or art gallery

    Pick one that you both think sounds interesting, and see what new things you learn.

  • 6. Go bowling

    Winner gets to pick where you go for dessert.

  • 7. Take a hot air balloon ride

    Unless one of you dislikes heights. You want this to be fun, remember?

  • 8. Re-create your first date

    Take her to the restaurant you first took her to. Talk about when you first met. Reminisce about the little details of that time together.

  • 9. Make s’mores

    And snuggle in a warm blanket under the stars.

  • 10. Go to a play

    Dressing up for a nice evening out can be refreshing and fun for both of you.

  • 11. Visit a new city or town together

    Go exploring and see what cool places you discover. Find an old town to walk around while holding hands, or try a new restaurant you stumble upon.

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  • 12. Make ice cream sundaes

    Go shopping together beforehand to pick out all the toppings. Or grab some root beer and ice cream for root beer floats.

  • 13. Go hiking

    If you go often, go to a new spot you’ve been wanting to try together. Maybe even bring along a picnic.

  • 14. Play tennis

    It’s a date and a great workout all in one.

  • 15. Go swimming

    Find a heated pool or some hot springs or hot tubs and relax.

  • 16. Have a spa night

    Book a couples massage or some facials.

  • 17. Have a perfume/cologne date

    Go out and smell some new fragrances, and then help each other pick one that you both like. You’ll have a cute date and get your Valentine’s Day gifts for each other picked out at the same time.

  • 18. Try a couples yoga class

    Because why not use Valentine’s Day to de-stress, stretch and feel great afterward?

  • 19. Attend a sports game

    A night out with a little cheering while eating good food may be just what you both need.

    Give one of these a try this Valentine’s Day – and then use the others for regular date nights with your spouse, and see how much closer you become.

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Article by  Kelsi Jones
Kelsi graduated with a journalism degree and is passionate about the written word and the power it has to bring more good into the world.
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Hot Dog In The Oven #Foodie #brazilian

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Dough:
5 eggs
2 cups milk and 1/2
3/4 cup oil
1 tablespoon baking powder
2 cups flour
3 tablespoons grated cheese

Filling:
500 g of sausage ( or meat of choice )
200g mozzarella cheese
1 can tomato sauce
Grated cheese
Oregano

Blend together all the dough ingredients
In a large bowl place the half of the dough and then put the sausage, tomato sauce, mozzarella and cover with the remaining dough
Sprinkle over the grated cheese and oregano Bake for about 30 minutes or until stick with a fork and comes out clean
Serve it hot

 

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How to coupon like a Boss

It’s been a while since I’ve been here. Not because I didn’t want to blog but because I haven’t had the time.

I’ve been sick, had a few visits to the ER and to my PC and it’s a pain when you are so busy and have to keep up with social media.

Sometimes I just need that space and time apart. I apologize to the followers, Friends, and family that comes here to read what I blog. It’s frustrating not having an updated blog. My sincere apologies.

The other reason is that my oldest son graduated high school and we had a party 🙂
What a Stress 😮 planning and organizing a party is so much stress.
My middle child graduates next year I promised I’m already planning and starting to buy things now hahhaha.

Plus every other mother/wife duty

In this post, I wanted to share some of my couponing with you guys.

I’m only a beginner and I’m just learning. Please keep this in mind. 🙂

When you’re a stay home mom and your husband is the only one working, you need to make due whatever way you can to help out.
I found out about couponing not too long ago when I saw the show on tv and I decided to give it a try. I follow a few lady’s on youtube and they post almost weekly what they go buy and the deals they  go out and do.

As far as best deals out there you have to  make your own judgment. Prices also veries based on region.
The deals and sales are absolutely amazing!
I’ve been saving hundreds of dollars with things we use at home every week.

I don’t do stream couponing, I don’t buy what we don’t use, and I don’t buy more quantity than we can consume in a short period of time. The reason why is.

1- Because I don’t want to have a huge stockpile.
2- I don’t see the need for me to do that. ( not criticizing anyone that does I’m just saying it’s not what I want to do. )
3- I’m fine the way I’m doing things now Thank You! 🙂

Some people will go out and buy 20 bags of sugar just because it was on sale for $1.89 and we had a $.75 off coupon on top of that.
I, on the other hand, I went out and only got 2. That was fine for me I had 2 at home and felt that 2 more bag was enough.

A lot of people think ” Well it’s on sale, great price,  why not buy 20? If you can spend that $Money and you want to. Go ahead and do it.
I’m just saying I don’t do it. 

It’s a choice many people make, and a lot are criticized just because they use coupons.
(  Not that’s anyone’s Busyness Anyways. What you do it’s your life. 🙂  )

Here are a few deals from this week

At this supermarket ( Shaws )  I got
6 boxes of General Mills Cereal
4 Boxes of Puffs Tissue paper
4Nut Exactly Snack

merchandise total was – $41.68
I paid a total of $8.05  after coupons and store discount

And I received a $5.00 store credit so basically I got it all for $3.05

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My second one was at CVS 

I LOVE CVS they always have great deals 
2 Xtra Laundry detergent
3 Persil Laundry detergent
2 Gillette Fusion razor
2 Haagen-Dazs Ice Cream
1 Hershey Snack Mix
4 Colgate toothbrushes
2 Colgate toothpaste

All this came out to Merchandise Total – $102.75

I paid $23.61 after Coupons and store discount

and received $26.00 Extrabucks ( CVS Money )

So basically I got it all FREE 🙂

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brazilian · Budget · budgetwithelly · coupon · coupons · Fashion · free · frugal · Health · Review · savings · Style

Argan Oil Hair Mask #Review

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Argan Oil Hair Mask, 8 oz. Hair Treatment Therapy, Deep Conditioner for Damaged & Dry Hair, Heals & Restructures Hair Shaft & Growth, Detoxifies Scalp & Nourishes, Removes Products Residue Buildup (Misc.)
Received package on time
Packaged with plenty of padding
Container was properly sealed and not leaking

Argan Oil Hair Mask
I use to have the worst dry, damaged hair. I decided I wanted to try this Argain oil hair mask.
First because I hear Argan oil is super good for the hair and secondly because I had the opportunity to try it for a discounted price and give you all my honest opinion.
I was exited and happy I got the chance to do this. Like all my reviews If I don’t like something It’s going to get a one star and if I like something it will get a full rating. My honest review is what I’m here for. No matter if I got the product for free or If I paid for it.

This product Deeply conditions and hydrates your hair with Argan, Rosehip, and Coconut Oil it will heal your hair, bringing it back to life without chemicals or pricey treatments! It Undoes years of damage brought on by over-processing hair.
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The hair mask formula was specifically designed to improve your hair’s overall texture and health. Natural oils work to revive hair to its natural beauty.
You’ll see shiny, voluminous hair that’s easy to manage and full of life.
The mask contains botanical ingredients that clean away residue and buildup, nourishing the scalp and helping promote new, healthy growth.
Loaded with organic ingredients like Coconut Oil, Ginger Extract, and Rosehip Seed Oil, this mask gives your hair an abundance of Vitamins like E and B5.
They use natural ingredients to give all types of hair safe, stunning results.
They also give you a Money-Back Guarantee: Why not try something if the company stands by what they are offering you?

You don’t have to spend a fortune on treatments to restore your hair to its natural health and shine. Trust me using this Argan Oil for Hair Mask from Pure Body Naturals you will get the same result!
This do-it-yourself mask is easy to use and offers unbelievable results. This is why I recommend it.

It deeply condition the hair and scalp with essential vitamins and nutrients, the mask nourishes the hair and protects it from further damage.
I got Stronger, luscious hair that’s silky smooth and easy to manage. Not to mention the great smell. It did work for my hair.
Directions
Apply a generous amount to towel-dried clean shampooed damp hair. Use your hands and fingers to evenly distribute through hair, beginning at scalp to hair ends and leave for 5 to 15 minutes and then rinse. Use 1 to 2 times weekly.

Benefits of using this mask

REPAIRS DAMAGED HAIR:
SOFT AND SILKY MANE:
CLEANS AND SOOTHES SCALP:
SUPERIOR SPA QUALITY:

I have received this product at a discount in exchange for an honest and unbiased review.

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#DIY Life Hacks

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“Removing Scuffs from Shoes:
1. Dab the q-tip or cloth in coconut oil spread to needed area, then wipe/rub over the scuffs. I had to do this quite a bit rubbed very lightly, till it was all dissolved.

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Experts recommend sanitizing brushes every 15 days;
Baby shampoo is great for cleaning it has to be shampoo with neutral pH;

The cleaning may be the same for all kinds of brushes, there is no need to have a different technique for each type;
Paper towel is more practical to dry the excess water. Let it dry over a towel before storing.

“(…) Keep the brushes away from moisture and aways wash them, especially those in use around the eye area and mouth and those used in creamy or liquid products. If you do not have a specific product to clean them, let them soak for at least a half an hour in a bowl with warm water, some detergent and baking soda. Then under running water, rub the brushes gently on a white plate. This way you can find out when they get really clean. Then, place them on a towel, let the excess water drain until dry and if required, use the hair dryer to give it a quick blow.
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#ReviewWithElly Alina Skin Care

My Review __ The Alina Skin Care Vitamin C Serum is THE BEST FORM OF VITAMIN C AVAILABLE, it has The most AMAZING SCENT FROM NATURAL EXTRACTS. It is loaded with powerful antioxidants to help prevent premature aging of skin, including Vitamin C, green and white tea, and vitamin E.
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I have used this product 2x a day every day since the day I got it. That’s about 3 weeks. I think it was a short time for the visible results I got. I read many reviews on this product and I read a lot of negativity about it. People saying that the company basically paid for those reviews. Well, yes, I got the product for free, but the results and my opinion, no one can make it up. It’s honest. I wanted to come here and write an honest review. But not just write, I wanted to show my untouched ( no photoshop) photos to you of the results.
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The directions on the package of this product says not to use on your eyes. I wasn’t sure if that meant not to apply to the dark area under the eyes. I’m 36 years old and I don’t have any spots ( dark spots ) on my face or any wrinkles or lines, besides the very dark spots under my eyes so I used it on all my face including my eyes. Or should I say especially there. you will be able to see the difference and judge for yourself.

My honest and unbiased review of this product is that this product rocks, now I will continue to use it till its all done and will buy more. Thank you, Alina, for giving me the opportunity to try your product.

NOTE: People with dry or sensitive skin that have never used a Vitamin C skin care product may experience a slight stinging sensation during the first few applications. This is a normal and typically goes away within a few seconds. It will happen every time you apply. Should you experience redness, swelling or discomfort after using the product, please discontinue use and consult a healthcare professional. I received this case at a discounted/free price in return for my honest review.
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About the Product
  • THE BEST FORM OF VITAMIN C AVAILABLE. Alina Skin Care contains Vitamin C Ester, a form of vitamin c that is widely considered the highest quality, best form available for skin care. Clinically proven to deliver greater results than other types of vitamin c; it’s stable, gentle and incredibly effective at rejuvenating your skin.
  • SUPER HYDRATING. Vitamin C can be irritating to the skin, but not if you complement it with rich moisturizers that give your skin a flood of hydration. Our unique blend of hyaluronic acid, organic aloe and vegetable based glycerin creates a powerful moisturizing boost to this serum. If you have sensitive skin, this is the Vitamin C serum to try.
  • PATENTED INGREDIENTS & CLINICAL STUDIES EQUALS PROVEN RESULTS. Most skin care products don’t contain ingredients that have been through formal, clinical studies. We do. Our patented Inflacin® was developed to calm and soothe irritated skin. What’s more, our patented Qsomes® has been proven to deliver more active ingredients deeper into the skin creating a more effective product.
  • A YOUTHFUL & RADIANT GLOW. Many of our customers have experienced a noticeable difference to their skin within the first few applications. A more even tone, less noticeable wrinkles, and a more healthy, vibrant looking skin.
  • AMAZING FEEL. Upon initial application, you’ll notice the difference right away with Alina. A soft, silky feel that penetrates quickly and leaves your skin feeling soft and alive.
  • Product Description

    SKIN TYPES. This product was formulated for all skin types. Our unique blend using Vitamin C Ester along with rich moisturizers was created to be gentle on your skin, even those with sensitive skin.
    AMAZING SCENT FROM NATURAL EXTRACTS. Many of our customers comment on how much they love the scent of our products. The Alina Vitamin C scent is purely derived from mandarin orange and grapefruit extracts. There is no fragrance used in this product.
    ENCAPSULATION ENSURES PROTECTION FROM LIGHT, HEAT, AND OXYGEN. Vitamin C and other active ingredients can breakdown and rapidly lose their effectiveness when exposed to light, heat and oxygen. Alina Skin Care encapsulates all of our active ingredients ensuring no loss of ingredient efficacy, even after you open the bottle.
    ANTIOXIDANT RICH. Loaded with powerful antioxidants to help prevent premature aging of skin including Vitamin C, green and white tea, and vitamin e.
    WHO IS ALINA SKIN CARE? Alina Skin Care is a science-driven company created to provide consumers with innovative, professionally formulated skin care products. Our team consists of industry veterans that have developed products for some of the top skin care brands in the world, many that can be found today in major department and beauty stores. With more than 50 years of experience formulating both prescription-based dermatological products, as well as over-the-counter premium skin care products, Alina Skin Care has the expertise and credibility you can trust.Ingredients
    Purified Water, Tetrahexyldecyl Ascorbate, Cyclomethicone, Caprylic/Capric Triglyceride, Diisopropyl Adipate, Cetyl Alcohol, Glyceryl Stearate, Camellia Oleifera Leaf Extract, Camellia sinensis leaf extract, Aloe barbadensis leaf extract, Tocopherol Acetate, Pyridoxine HCI, Niacinamide, Calcium Pantothenate, Sodium Ascorbyl Phosphate, PEG-23 Glyceryl Distearate, PEG-12 Glyceryl DIsmyristate, Hyaluronic Acid, Ammonium Acryloyldimethyltaurate/VP Copolymer, Sodium Starch Octenylsuccinate, Glycerin, PEG-100 Stearate, Citrus nobilis, citrus grandis (grapefruit) peel oil, Maltodextrin, Xathan Gum, Silica, Disodium EDTA, Ethylhexylglycerin, Hexylene Glycol, Phenoxyenthanol, Caprylyl Glycol NO Parabens, NO Phthalates, and NO Sulfates. No Animal Testing. Made in USADirections
    Apply morning and night to face and neck before application of a moisturizer. Moisturizer can be applied immediately after you apply Alina Vitamin C Serum. NOTE: People with dry or sensitive skin that have never used a Vitamin C skin care product may experience a slight stinging sensation during the first few applications. This is a normal and typically goes away within a few seconds. Should you experience redness, swelling or discomfort after using the product, please discontinue use and consult a healthcare professional.You can buy the Product >>>  HERE  on Sale for $24.95
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brazilian · Budget · budgetwithelly · Challenge · country · coupon · coupons · entertainment · family · Family Night · Family Share · festa country · FitMom · food · Friday · frugal · fun · Health · mom · motherhood · party · photography · Recipes · Review · teens · western party · women · World VS Life

How to Build an Empire with this Chicken Recipe #foodie

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Calories: 490 per serving
Category: Chicken
Difficulty: Easy
Serves 6
Preparation time: Quick (30 minutes)
Type: Main course

ingredients
· 6 chicken breast fillets
· Salt and pepper to taste

Filling
· 6 slices bacon
· 6 green beans
· 1 carrot cut into sticks
· 2 tablespoons olive oil
· 1 tablespoon of corn starch
· 1/2 liter of vegetable broth
· 6 potatoes cut in four
· Chopped parsley to taste

Method of preparation

Season the fillets with salt and pepper. On each fillet, distribute a slice of bacon, the beans and carrots. Roll as Swiss roll and secure with toothpicks. In a saucepan, heat the oil and brown the steaks. Add the cornstarch dissolved in the vegetable broth and cook potatoes until tender. Place the steaks on a platter, drizzle with the sauce and serve with the potatoes sprinkled with parsley.

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iPhone 6s Plus Screen Protector @SpigenWorld #ReviewsWithElly

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 iPhone 6s Plus Screen Protector, Spigen® (3 PACK) iPhone 6 Plus / 6s Plus [3D Touch Compatible- Tempered Glass] Most Durable [Easy-Install Wings] Glass Screen Protector [Life Warranty] – SGP11786 (Wireless Phone Accessory)
The iPhone 6s plus screen protector from spigen is perfect. I really mean this when I say perfect. I’ve tried many screen protectors and they all failed right from the start.
When I received it in the mail it came in a secure package. The item in the box is a total of three protectors, cleaning cloth and wet wipes for cleaning the phone before you add the protector on.
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I loved it right away because it’s easy to use with comprehensive instructions, and it looked really clean and smudge free. It leaves no bubbles and that was the best part. It’s also all that it says on the description.
The price for the pack is $22.99 and it’s worth the money. I did drop the phone face down a week after I installed the protector and all that happened was a little small crack on the protector nothing to my actual phone. I would buy this again when I need to.
( I received this product as a discount/free for my unbiased opinion )
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Photo courtesy Michelle W.

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Tips and Tricks to Improve Your Financial Life #BudgetWithElly

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By improving our financial lives, we also increased our happiness, in general. For this reason, I find important to share some tips and tricks that really works (at least for me).

I’m almost in the best moment of my financial life. because of the steps of Dave Ramsey. Also because we know how to handle money, not having debts, by saving and investing as much as we can.

Here are some tips and tricks that works for us (doesn’t necessarily work for everyone). Share what your tips in savings are in the comments!

#1. Use money

Rather than buying things with credit or debit cards, use cash for everyday expenses like eating out, fuel or supermarket.

Spending money makes the spending more real, and you still have the advantage of knowing exactly when the money runs out, avoiding spending more than you have.

#2. Stay home

Often going out makes you more likely to spend unnecessarily. Eating at  restaurants, going shopping, stoping at convenience stores for snacks. It is hard to avoid spending when you’re on the street.

Instead, stay home and find ways to entertain without spending. It is also a great way to be with your family.

# 3. Keep a “list of the 30 days”

If you often buy on impulse something that absolutely is not a need, go put it on the “list of the 30 days.”

You can not buy anything beyond what is necessary – anything beyond that goes to the list, with the date it was registered.

After thirty days, you can buy – but, most often, the anxiety to buy has passed, and you can evaluate the actual need more calmly.

# 4. Do exercises

Staying healthy is the best way to avoid medical expenses in the future.

# 5. Often talk to your partner

It is important that you and your partner are financially aligned. You should have the same financial goals, and from there on you must share the same spending plan and policy to avoid impulse purchases.

Make sure you both know what the monthly expenses are, how is the bank balance, among other things. A simple weekly conversation of 20 minutes is enough.

Communication is essential.

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# 6. Record all income and expenses

There are expensive software like Microsoft Money, Quicken, etc., which can do wonders to your financial information. There are also some that are free to both desktop and online, they also do the same things.

The problem is that I do not need it all. All I need is a way to track my money easily, no hustle, and the ability to access that data virtually, so that I can update them from anywhere.

An excellent way to really use is Google Drive (formerly Google Docs and Spreadsheets), who use Gmail. But nothing prevents you to use a financial spreadsheet or even a notebook.

The important thing is to maintain that record. And do it in the simplest way possible.

# 7. Work out at home

Some may disagree with this tip, and thats no problem. You should do what ever way that works for you. But I saved enough money (over US $ 1000 per year), who used to spend on gyms and changed for walking at a park near my home.

All though we don’t all have a gym in our homes, it’s still cheaper to buy some weights to work out at home, or even practice walking / running somewhere nearby. An academy is honestly not necessary.

# 8. Cancel your cable TV

I’m not saying you should stop watching TV – I even watch movies and football games regularly, for example.

The difference is that I’m sure I’m watching something I really want, instead of useless programs we see on TV most of the time.

In addition, there are enough online content, free and good quality.

# 9. Donate, lend and borrow

Get rid of excess things in your home, you not only make your life much simpler and quiet, but also will become much harder to buy things that will just lay around again.

Once your home is organized (and simplified), you will not want to go back.

Also, donate books, clothes and toys you no longer need. If you need something (a book, for example), send e-mail to your friends or post on Facebook asking if anyone has it. There is the chance of someone close by having it and give it to you for free if they don’t use it anymore.

# 10. Find happiness in life, not on spending

Often, people buy things because they think (perhaps unconsciously) that this will bring happiness. “I have to have those clothes or buy that car,” some think. So they buy what they want it to be, and are happy only for a few days.

Then they need to buy more. And it becomes a no yes cycle.

Instead, learn to value life. Find fun in the people around you. In doing something you really love. In exercising.

There is so much in life that make us happy, it is not necessary to try to find happiness in spending.

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7 ideas to learn how to #BudgetWithElly

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As the family grows,  your cost will increase, and you will always seems to have something new that will come up.

It’s easy to lose track. Here are some tips on how to save money for a greatter achievements in life: the house, the car, the trip, a special gift, a smooth retirement …

1. Record all your expenses for a month To be able to save, you need to know how you are spending the money. It sounds simple and obvious, but it isn’t. Over the next month, mark all your expenses. You don’t need a complicated spreadsheet. A little notebook will do. Write all small expenses, such as  tips or just that cup of coffee. Get ready for some surprises. That sacred coffee every day, or a daily bottle of water, may represent more than $90 per month, or $1080 per year (and $ 10,800 in ten years! Considerable savings). And the outfit you got for your child, those cute ones you cannot resist? If paid with a credit card, calculate an increase of 20+ percent, at least on top of the sticker price. It’s what it will cost you if you fail to pay the invoice total that month. You do not need to give up your daily dose of coffee, or hydration, or fail to dress your child in super cute clothes. All you have to do is just weigh in all the spending. A bottle of water can come full from home, for example. As for the clothes, wait for sales or clarence  and give yourself a spending limit whenever you start buying. Knowing where the money goes every month, you will have a better idea of ​​where to cut to save for the future.

2. Put yourself first. It may not make much sense at first, but the secret to start saving is to “pay” first. No, it’s not for you to buy the first blouse you see on display.  Think about a realistic amount of long-term goals (like changing the car, make that treatment, saving for emergencies, a vacation), and then “pay” early in the month, separating the money in another account. If you wait until the end of the month to see how much left to save after all mandatory expenses, you will realize that there is nothing left, because it is almost always the case for everyone.
The best way to make payments is to schedule automatic transfers from your bank account to another account or an investment. That way it will make you save. You can create, for example, two accounts: one for a long-term goal, such as saving for retirement or emergencies, and one for your dream closest consumption (the trip, the car etc.). Set the transfer to close the day you receive the salary. The cool thing is to create a routine, as if it was as mandatory as paying the electric bill. Later in the month, you will have the satisfaction of knowing that a portion of the salary is already saved for something really constructive. Economists say that an emergency fund should have the equivalent of six months of total expenses. If you have managed to gather that amount, you may even start saving for retirement.

3. Pay off your debts Yes, paying your debts is the best way to save money. The interest rate charged on overdrafts or credit card is much higher than the profit of any investment. Get rid of your debts first, especially credit card, so you can start saving money. If you have late payments, contact the company or bank to see if you can negotiate a settlement. Do not wait, untill you have all the money to pay off the debt. Find out how to pay it off  as soon as possible, even if it has to be little by little.
If it is for you to have some debt, let it be to finance a home. Yes this is a debt that is worth it.
For the car payment, you can do the following: when you finally finish paying, instead of rushing to exchange model and pick up a new provision, pretend that the booklet is not over. Continue paying the same amount for a time, only for yourself, in a separate account. So you will earn enough money to make a better deal, giving greater input and achieving a lower performance, with less interest.

4. Take one goal at a time and be strong! Choose an object of desire, something you want very much. It may be a new sofa, an electronic device, a trip. Calculate how much it will cost and trace a realistic goal, like saving for six or twelve months to achieve. To motivate, spread photos and advertisements of this desired item everywhere (at work, at home, within the portfolio). Whenever thinking about buying something, ask yourself if you want it as much as you want your big goal, the one for which you are saving.

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5. Make the withdrawals hard Search for alternatives applications that are not ready or available to move. Funds with automatic withdrawals when the current account is negative doesn’t work – it is very easy to end up with no savings in a moment of excitement or necessity. Make separate accounts, or apply in investment rules which do not allow automatic withdrawals, or that deem certain work redemptions (such as CDs).

6. Did you receive a money did not expect? Save it! You received a refund of income tax, a bonus at work or some unexpected money? First, resist with all their might to spend that’s the first impulse. If you can resist for a few days, it’ll be much easier to appreciate the extra money. If you’re still having some debt, use that money to reduce it (pay the most from the car financing or own home, for example). All Credit card debts have priority! Second comes the overdraft. It won’t cost you anything to try and talk to the bank manager to see if there’s an easier way to pay. If you do not have a debt, save the money in that special account different from the day to day account, for something that really matter.

7. Rethink the spendings with a car If you have a car, write down all the expenses you have with it. Say that car is practically a child, and it’s true. From property taxes, insurance, financing, fuel, parking, tolls, licensing, washing and repairs, you may be surprised at the amount of expenses annually.
There are people who realize that life becomes even easier without the car (or just one car for couples). Even if for you the car is essential, take it easy with the spending. Leave the car at home whenever you can. Walk to the supermarket and use the delivery service at home. To concentrate their business in the same region. Take the car to solve several things at once, And do the math. In large cities is more expensive to park a car than going back and forth in a taxi, depending on distance. And spending on toll and fuel can surpass that amount of a bus ticket – and even plane.

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