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Some Easy Ways To Spend Less For An Engagement Ring

Deciding that you’re ready to buy engagement ring is among individuals moments that lots of people connect with filling out the papers to purchase their first house or finally saving enough money to purchase the vehicle they have always had their eye on. It is a big purchase and frequently is among the most critical purchases that you’ll make inside your early adult existence.

Some Easy Ways To Spend Less For An Engagement Ring

Now you know she’s “the main one-inch and you need to buy that ring – where would you attempt attempting to save?

With a few preparation and research, you can rely inside your investment and discover an incredible ring using the hard-earned money that you have in the bank. Listed here are six strategies for saving for that heart shaped diamond engagement rings of her dreams:

If you are using internet banking, you’re frequently able to setup automatic transfers out of your bank account for your checking account. Produce a separate bank account for the diamond engagement ring fund, but make certain to label it something discreet in situation your spouse sees. Begin by getting it instantly transfer a smaller sized amount of cash in it weekly, after which adjust after that. If following a couple of months you believe you may make the transfer amount bigger, do it now! This can be a mindless method to instantly save a great slice of cash, and also you usually earn more interest from profit your checking account, a dual win.

Should you be thinking about buying a vehicle, you’d have researched it all the way through and all things in between. You’d know who you are thinking about buying it from for the greatest deal, you trust the data, and also you take a look on your own. You crunch the figures and choose what you would like and do not want before even pulling the trigger. Be exactly the same way even before you end up buying the diamond engagement ring. When you’re educated on diamonds, kinds of metals, and elegance of diamond engagement rings, you’ll be able to look a lot more fairly in the ring in general when choosing the right diamond engagement ring. You realize what affects cost and for that reason could be educated on cost even before you walk into an outlet.

This strategy for saving some fast cash in some places appears such as the most apparent, however it normally the most under utilized. Rather of chowing lower on dinners at trendy restaurants, heading out and ordering fancy drinks, or likely to concerts, simply do it basically smarter. Groupon and Living Social offer bargains on the suggestions above, and permit you to have fun while sneakily saving some money. Free dates like hiking, creating a romantic dinner in your own home, or visiting the local art shows are an easy way to consider your spouse out without spending major cash.

This can be the most difficult among the list and needs you to definitely sacrifice the great – in most cases a lot more costly – things in existence. Postpone with that new audio system for the vehicle or save buying that completely new suit you know is a touch overpriced when it’s on purchase. Make use of the money that you’d have allocated to individuals purchases for the diamond engagement ring. Skipping the large purchases usually only hurts for any second and will probably be totally worthwhile if you notice just how much she loves her new diamond engagement ring.

We have all heard the tales about how exactly the random father on the web used cash to buy everything and each time she got a $5 bill, he did not stand and immediately place it in the money box. In the finish of the season, it funded a holiday for him and the group of four to Disney. I understand, it may sound crazy, but there’s actual authenticity for this method. By having to pay for all things in cash, you feel more conscious of how much cash you’re really spending and therefore are therefore more motivated in order to save your hard earned money. And hey, or no random person on the web could get it done, you are able to too.

Sometimes, you cannot just hold out saving nickels to pay for the ring of her dreams, so we have that. Financing programs are a good option to other cent-pinching methods, and there are many options open to you. No interest programs, in which you pay a set fee every month ¡§C typically three to fivePercent from the original purchase ¡§C after which settle the rest of the balance having a bigger payment around the recently, are extremely popular. Mixing financing as well as other ways of payments can also be a terrific way to get her the diamond engagement ring of her dreams. You should check out a lot of financing programs and just how they work here.

Wish to browse our gorgeous diamond engagement rings that we understand she’ll love? Buy online or check us out inside myraygem today!

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TopsyTurvyMommy.com-Learn How to Make and Save money

12 11 , 2015 No Comments

Well, the truth is we need money to survive. We need more money to live comfortable life.

However, the problem with many people is that they are not getting enough income which is able to satisfy their daily needs and wants. On the other way, most People don’t follow any money saving method. They simply spend for what they want and they buy things they want without considering their income. That’s why most people end up with spending more than they have. Finally they can’t afford paying credit card bills and suffer with debt.
If people develop habits on saving money and spending money on a budget, they can simply improve their finances. It is a saying that ‘If you save money, the money will save you’.

TopsyTurvyMommy.com-Learn How to Make and Save money

How about you? Do you consider saving money in every expense you make? Although you have enough money to spend, it is better to follow a budget and some money saving tips to save whenever possible. There are many ways to save money from your daily grocery shopping, when paying bills and even when you go for entertainment. Coupons and discounts play a major role when it comes to save money. Other than that you can save money if you buy bulk or if you buy from discounted sales.

Anyway, how to find tips on saving money and earning extra income?

My recent finding is TopsyTurvyMommy.com-A Topsy-Turvy Mommy’s Tale! It is a website full of tips, tricks, and insider information on how to make and save money. In TopsyTurvymommy.com, you will find details of latest freebies and great coupons. Up-cycle old products are a great way to reuse and re-purpose. TopsyTurvymommy.com shares great tips and information on great ways to up-cycle old products. Even she shares information on how to get more organized and utilize your time better. An organized lifestyle is the basis for a successful debt free life.

So, have a look into TopsyTurvymommy.com and find more interesting information and tips on how to make & save money!

5 Things to Consider Before Opening a Kids Savings Account

29 04 , 2019 No Comments

Are you thinking about opening a savings account for your kid? Are you a bit scared about taking the first steps and actually going through the process? Fret not, you are probably just one of the many other parents who feel the same way. The good thing is that nowadays, people are provided with options that were not easily available in the past. For one, there is Goalsetter which offers kids and parents savings options they both can benefit from. But how would you know if you are on the right track? Consider these five steps before opening a savings account for your kids.

1. Know your options.

With the wealth of options in terms of savings account these days, make sure that you know what different choices you have. Don’t easily settle for a random suggestion from one acquaintance. Instead, do your research and ask around too. There are plenty of information readily available on the Internet now and while this can help you take a step forward, don’t forget to do your due diligence and ask from people who have already done this before. They might be able to give you some useful tips.

2. Consider convenience.

Every now and then, your kids might want to take the savings they put together to buy a new pair of shoes or what not. But not only this, there might also be times when there are emergencies that you would need an easy access to an ATM machine. Make sure that the bank you choose to open up a savings account for your kids are conveniently available.

3. Make sure you understand the fees clearly.

Banks always have corresponding fees for various accounts. In order for you to avoid regrets along the way, don’t be scared to ask about service fees and other charges that might be incurred as you go along the savings journey. This way, you may also have a better understanding of how best to manage your kids finances.

4. Make an educated choice.

Settling for the first option you come across with is never a good move. Keep in mind that the best way to go forward is to always have options. Compare the offers and the fees and how one is better than the other and so on. If you you have to write them down together, do so. Make a list of the pros and cons if you have to. This may seem like a bit of work, but it sure would help you in making the best choice.

5. Keep your kid informed about these decisions.

If you want to raise financially literate children, then don’t just manage their finances for them. Make them part of the journey and explain it to them just how it was explained to you. Okay, maybe a little less technical, but you get the idea. After all, it’s their money and soon enough, they will have to take care of it on their own. By making them an active part of the savings journey, they will acquire the knowledge they need little by little until they are responsible enough to make their own financial decisions.

Save Money When you Shop Kids Clothing with Liljellybeans

07 12 , 2015 4 Comments

Buying baby clothes is really exciting. If you check around, you’ll find that there are lots of stores for kids and baby clothing with different qualities and designs. Whenever we go for shopping or whenever we go for any tour, one of the must do is buying clothes for our son. However, sometimes these stylish kids’ clothes are expensive. Some clothes are expensive than adult clothing. On the other way, kids are very talented in making their clothes stained or dirty. As moms we know that how many clothes they need to change for a day. Although we take many precautions to protect clothes, there may have food stains or even paints when they do some creative work. Specially this is more common with babies and toddlers.

Liljellybeans Kids online consignment store

Recently I came across this Kids online consignment store and I really attracted to their pricing and designs of kids clothing available. Really they offer kids clothing for unbelievable prices.

Liljellybeans is an online consignment shop which mainly offers kids clothing. In this shop you can easily find both new & Pre loved kids’ clothing and other items such as toys for unbelievable prices. Other than the low prices they offer for the kids’ clothing, you can also save from many ways when you shop with Liljellybeans.

How you can save money with liljellybeans kids online consignment store?

There are many ways you can save money on children’s’ clothing when you shop with liljellybeans Kids online consignment store.

Prices are really cheap and affordable. So, when you shop anything you will save money than you shop with any other retail shop.
Shipping is completely free when you order $50 or more. If you shop for lower than $50, then shipping is a flat rate of $4.95! You already know the shipping rates of most online shops. So, I am not going to explain more on how cheap this shipping rate is.
You can also sell your used kids clothes and items with liljellybeans. This is a great way to earn some money! This sounds really interesting, right?

Coupon code Exclusively for Diary of a New Mom Readers

Liljellybeans kids’ online consignment store is kind enough to offer free shipping for readers of this blog. Use the code FREESHIPNOW when you shop with Liljellybeans. You’ll get free shipping for all your orders.
*Coupon is valid for 31 days only.

So,why wait?Head on to www.liljellybeans.com and see what are your favorite items for your kids on this Christmas!

4 Easy Ways to Save Money on Home Appliances

18 12 , 2015 No Comments

Recently I shared a post on how we save money on baby expenses. In this post I want to share some of our tips on saving money when we buy home appliances. Although you have enough money to spend, living on a budget and save some money from most of the essential expenses always makes the life simple. So, here are 4 easy ways to save money on Home Appliances. Hope these tips are helpful for you.

Use Discount Codes and coupons

This is one of the popular ways to save money when you buy home appliances. If you buy from a local shop, then check newspapers for discounts and coupon codes. Sometimes, popular websites also share coupon codes for their products. When you use the product codes or if you cut coupons from newspapers and magazines and produce those at checkout, you are eligible for a discount. Another way is to register with some companies newsletters. They will send you offers and deals time to time. If you are not in a rush to buy some appliances, then you can wait few days and buy the needed appliances when the company shares any offer.

Wait for Holiday Sales

Holiday season is full of home appliances promotions. Throughout the year there are many special holidays and these holidays comes with lot of shopping and lot of bargains. Here in Singapore we find holiday sales for festivals such as Chinese New Year, Hariraya, Deepawali and Christmas. Even we visit Malaysia during these holiday seasons and find some items for discounted prices.We still continue visiting Malaysia for our back to school shopping.

Buy online

Buying online is another great way to save from home appliances. If you check the price of any appliance in a local store and compare it with online shops for the same brand and same product, you’ll see that there is a difference in price. Most reputed brands offer their products in their authorized online shops too. That make easy to buy same brand names you are looking for from an online shop and save money. For example, Rinnai is a popular brand for Home Appliances in both Singapore and Malaysia. I also found Rinnai authorized dealer online which we can easily buy same Rinnai products online.

Skip the Extended Warranties

I don’t mean that you want to skip the manufacturer’s warranty for the appliance you are going to buy. You need it. Usually manufacturer’s warranty covers from one year to few years according to the product you buy. Usually this manufacturer warranty is enough and you get it free of charge when you buy the product. However, you need to pay extra if you go for extended warranty. If you are going to maintain your home appliances including your slow cooker well, then there is no need to go for extended warranties. That will save you some amount of money from your home appliances price.

Above are my tips on save money on Home Appliances. Do you have more tips to add? Please share your thoughts below.

Tips For Cutting The Costs Of Your Car Insurance

26 01 , 2018 No Comments

Cheap car insurance is not always the best option, but there are times when you want to lower your insurance premium. Too many people fall into the trap of only focusing on the price of the insurance and they often end up with a policy that does not offer the cover that they need. While price is important, you need to ensure that your insurance suits your needs. There are also a number of other methods that you can use to lower the overall costs of your insurance policy.

Never Auto-Renew

Insurance companies love when people auto-renew because it allows them to increase the price of the policy when you are not paying attention. You should not be sucked into the auto-renew spiral because your insurance company does not have your best interests in mind with this and they are not going to be rewarding you for loyalty Insurers do have to state what your policy costs were for the previous year, but you might not always notice this if you are auto-renewing.

If you want to save money, you need to shop around when it comes time to renew your policy. You should do this even if the policy that you are offered by your current insurance company is good. You need to check what else is out there because insurance companies generally have the best rates for new customers. Always looks for an insurance comparison service.

Look At A Higher Excess

Getting a higher excess is not a solution that is good for everyone and should only be looked at by those who can afford it. By increasing the excess, which is the money you have to pay when you claim, you will decrease the monthly premium. Of course, you need to ensure that you are able to afford the new excess should you have to claim.

A higher excess may also serve as an incentive for you to not claim for smaller incidents. When you do not claim for these incidents, you are increasing the no-claims time which will also help lower your costs. Not making a claim is often considered one of the best ways to keep your premium down.

Do Not Pay Monthly

When you get insurance, you will be offered a monthly pay rate and a single lump sum rate. Paying your premium in one go is actually cheaper than paying monthly and you should consider doing this. Of course, this is not always something that you will be able to do, but you should try whenever possible.

Haggle

A lot of people do not think about haggling over the price of their insurance, but they should. When you haggle, you need to be armed with the quote the insurer provided and the suggestion that you could get a better deal elsewhere. If you are nervous about this approach, you should ask if they could move a bit on the price and you will be surprised by how often they are willing to do this.

You should then ask them if they would go even lower. You should not be afraid to tell the insurer that you are not willing to take their deal. There is always another to be had from a different company.

Also read: Why multiple car insurance is right for you?

Drive Fewer Miles

The less you drive, the lower the risk to the insurance company. This means that you could lower your insurance by driving less. Before you commit to this, you need to realistically determine how far you need to drive in a year and not simply pull a figure out of the air. If you are driving 5,000 miles less, you could be saving around $50 on your insurance which is not something to sneer at.

This is an easy way of saving that could tempt some people to be less than honest. This is a bad idea and you should only commit to this if you are going to be driving less. Insurance companies are aware that people lie about this and they will check how far you have gone.

Insure Your No-Claims Bonus

This might seem counter-productive because it will actually add to the cost of your premium. This is why many people are in 2 minds about this, but only you can determine if this is something that you will consider.

Protecting your no-claims bonus may seem like a logical step, but it does increase the cost of your premium by a substantial amount. However, when you do this, even if you have to make a claim, the years of discount will still apply the next time you renew. This is a double-edged blade because even though the discount will apply to the new policy, the costs will still go up because you have made a claim in the last year. This means that you are going to be paying extra for 2 years because you have made a claim. While you will still pay more the next year because of the claim, the bonus that you have insured will lower the increase.

Back To School Shopping Tips that Save you Money

11 08 , 2018 No Comments

Back to school shopping is really exciting for kids. With new school bag, lunch box, shoes and all supplies, they get excited to go to school. It is same with my kid too. After every school holidays, he eagerly waits to see his teacher and friends. And he loves everything new.

But, as parents, we need to plan back to school shopping properly to avoid missing any item. At the same time, it is also important to avoid unnecessary things that are really not important for the new school term.

Below are some of the back to school shopping tips which I follow and which can be helpful for you too. These tips will save you both time and money. When you plan properly, back to school shopping will be really a fun experience!

Prepare a back to school supplies list

Most of the time, teacher provides a list of back to school supplies .However, don’t forget the other essentials such as school bag, shoes ,lunch box and water bottle. When you have a shopping list which include all these back to school supplies, it is easy to shop the things from the list. It is easy to find a back to school supplies list from www.myschoolsupplylists.com as they have separate lists from kindergarten to 12^th grade. For my kindergartner, I found their back to school supplies list as helpful because it includes everything from the school bag. You will never miss any item!

Buy quality school supplies

During the back to school time, there will be many promotions and cheap sales. However, instead of only looking for saving money by buying cheap supplies, check the quality too. If the pencils you buy are not easy to sharpen or the pens you buy at cheap price are leaky, then such things will cost you more. You will need to buy these supplies again. But, you can look for offers and sales of reputed quality school supplies brands and shop from them for a discounted rate. It will be a good investment for the whole new school term.

Check for promotions and offers

As I mentioned above, quality matters. However, during the back to school period, you can find many offers and promotions. You can get a lot of quality supplies while saving money using Kohls coupon. When you buy school supplies using such offers, you can easily save money. If you have more than one kids, this will be great to save from each kid’s supplies list.

Buy basics in bulk

You need some School supplies such as pencils, pens and notebooks more than one. When you buy these supplies in bulk, you will save money and you will also have a stock at home to use when need. Set up a separate storage in your home for extra school supplies and you can keep the items for a period.

Above are some the great tips that I use for my kid’s back to school supplies shopping. If you know more tips, please share as a comment.

9 Tips To Save Money On Laundry Detergent

27 04 , 2018 No Comments

The problem with laundry detergent these days is that they are all packed with brightly colored boxes and bottles, as bags of laundry detergents all claim to clean dirty clothes. As a result, people often get confused when deciding which product suits best.

Defining Your Laundry Needs

The state of your laundry would determine how much money you are going to save on your detergent. This means that if your laundry is only lightly soiled with just a normal wear, then you don’t have to use heavy duty detergent.

Use Less Detergent

Detergents often use concentrated formulas, so you don’t always need to fill that lid cap the moment you wash clothes. Simply determine how much product should be used for a particular load of laundry.

Use Cold Water

Take note that most liquid laundry detergents nowadays are intended to clean if you use cold water. You should know how well cold water can do wonders with minimal detergent, unless extremely dirty or greasy laundry.

Buy Generic Laundry Products

You should also know that some generic store brand detergents, bleach, and fabric softeners are formulated by leading manufacturers. Just try them and check if the results satisfy you.

Use manufacturer or store coupons

A lot of times you can find manufacturer coupons in the newspapers or online. Some websites curate those deals so you don’t have to look on 10 different sources to find a recent laundry detergent coupon.

Making Your Own Laundry Product

Sometimes it is good to create your own blend of homemade detergents, starch, scent enhancers, and fabric softener. When you get the combination well, you can save as much as 15 cents in each load of laundry.

Vinegar As Fabric Softener

You can add some amount of white distilled vinegar to the final rinse water. This will help in the loosening of any final detergent residue on clothes due to its mild acid content.

Cutting Dryer Products Costs

If you would want to save on laundry detergent costs, you can add a ball of aluminum foil to the dryer. Thus, you can just use half of the dryer sheet, as you get double the load for your money’s worth.

Using Fresh Air

You can still lessen the cost on laundry detergent if you save on energy to dry or iron out your clothes. This can be done by hanging your clothes outdoor and using fresh air to dry your washables.

Making More Heat

Being energy efficient can be a great way to save with each load of laundry that you wash. Just add one piece of aluminum foil below the ironing board cover so that it can hold more heat and help you iron more clothes using lower temperature.

How to Get Free Stuff and Save Money

25 03 , 2018 No Comments

Who doesn’t love free stuff? Getting free stuff is one of the easiest ways to save money on monthly expenses. It is true that I love free stuff and I always get free stuff that is useful for me or for my family.I hope that you like to get free stuff too.But,if you don’t know how to get free stuff in order to save money from your monthly expenses,let me help you with some quick and easy tips!

Below are some of the ways I get free stuff which are helpful and essential for the life and as a result save money from my monthly budget.

Get free samples

Most of the brands give samples free. These are ranging from baby milk formulas, diapers to cosmetics. Don’t ignore the value of these products simply because these are free. Popular baby brands such as Huggies, Friso and Nestle offers free samples free when you join with their parents club. There are also other cosmetics brands which offer free samples when you join with their newsletter. Check these opportunities in your area and join with them. You will love it when there are free stuffs in your post box!

Join with freebie sites

There are some freebie sites such as JustFreebies which shares latest freebie offers. Instead of joining with many individual brands which shares free product samples or free offers, you can easily join with one such freebie offers site in order to get information about latest freebies.Sites such as JustFreebies shares latest free offers in one place.As they categorize the free stuff details into different categories such as baby stuff,household stuff and so on,it is always easy to navigate such freebies sites to find relevant details for you.

This is one of the easiest ways to get the news about freebies and offers. If you like the freebie offer, then simply follow the instructions to claim your free stuff. It is really easy!

Get free stuff for review purpose

Writing reviews is another way to get free stuff. Some business owners like to know the actual user experiences with their products. In exchange of your review, they will send you a full product sample free. If you’ve noticed, I share product reviews in this blog and after the review is posted I keep the product sample for my use. This is another interesting way to save money in exchange of opinion.

Above are some of the easiest ways to get free stuff. Try all these methods, you’d love it! It is always a cute surprise when you receive a free stuff by post! I know this with my experiences!

How Digital Discount Codes Influence Mums’ Shopping Decisions

06 01 , 2018 11 Comments

The content of this article was put together using information provided by Valassis 2017 Coupon Intelligent report and details provided by Alex Papaconstantinou, CEO of Wikigains.com, a major coupon website that operates in the United Kingdom.

Any mum that goes shopping loves coupons and wants more bang for her buck. At the same time, any good marketer knows that understanding mums is key to any successful marketing strategy that targets this demographic.

When parents go shopping they usually look for deals on kids’ furniture, groceries, kids’ shoes and clothes, and things for the garden and house. Parents with young kids are generally loyal to certain brands. However, it’s important to note that they don’t always base their purchasing decisions on their favourite brands. According to a consumer study by Valassis, a leading intelligent media delivery company, coupons and in-store deals hold a lot of sway over what mums buy at the end. The UK-based study reveals that eight out of every ten parents make their buying decisions based on what’s on offer.

Mum’s get influenced by vouchers

Speaking of coupons and shopping lists, they often go hand in hand. According to a recent study conducted by Kantar, most parents bring a shopping list with them to the store. However, discount codes can greatly influence the content of that shopping list.

Valassis’ study shows that 69% of the brand-loyal consumers don’t mind switching brands if they’re offered discount coupons. Of course, most of those consumers get their coupons via email or apps. For instance, let’s take a 50% discount coupon for a bottle of Mac Ivors Cider. Upon receiving an email containing that coupon, an average parent would immediately be more likely to buy that particular brand of cider over any other. Once again, the statistics support this theory. Approximately 20% of shoppers claim that their purchasing decisions are highly influenced by discount deals they get on their phones.

Mums share vouchers

Interestingly enough, the influence of coupons and discounts doesn’t end at the purchase transaction. After getting a receipt, 53% of consumers scan it with their mobile device to receive cashback and reward points. As you might imagine, this gives marketers an opportunity to use reward programs in order to build future relationships with the consumers.

Unsurprisingly, according to the same research, 60% of consumers claim that they don’t mind sharing brand reviews. The percentage is even higher for people that use mobile phones or tablets; After a successful purchase, 79% of mobile phone coupon users are likely to share with their friends how much money they managed to save on a well-known brand.

Why understanding how vouchers work is important for marketers

It all comes down to happy mums influencing other mums and creating additional sales for the vendors. Friends and family can be key influencers. When stores release shareable discount coupons, they simplify the way mums communicate their satisfaction. Sharing can take place naturally, via blog posts, reviews of products they have used, or posting photographs of their kids using the products on Facebook and Instagram.

Thanks to mums serving as advertisers via Social Media or word of mouth, brands can easily impact the purchasing decisions of other mums. For this reason, many brands are starting to focus on reaching these out to mums and ensure they have a very positive shopping experience, whether that is online or offline.

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