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I am so glad you stopped by! Here at Everybody Loves Your Money we believe that you should spend less money than you earn, invest as much as you can as early as you can, and avoid the materialism mindset. Read more here.

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The Top Five Ways to Save Money Online

Thanks to technology saving money just got easier! Here are the top five ways to save money online.I find myself talking about making money online far more than saving money online, but the truth is today’s technology has enable us to do both.

We not only have the ability to earn extra money from the comfort of our home but we also have the ability to score some significant savings with just a few clicks of a mouse.

Here are the top five ways to save money online.

Coupon Blogs

Coupon blogs like Hip2Save or Money Saving Mom are some of my favorites for checking deals.

If there’s something I’m on the search for I’ll hit up Hip2Save and search the sites to see if I can get a good deal on that particular item or something similar.

And if you’re an avid coupon user or are looking to save money on groceries these are great places to browse a few times per week.

Amazon Subscribe and Save

I just started using Amazon’s Subscribe and save and I love it! I don’t know why it’s taken me so long to price compare some of my normal household expenses with Amazon.

Amazon subscribe and save is a free service offered by Amazon that allows you to get auto deliveries with free shipping on qualifying products. You also get an extra five percent off four or less products being auto-delivered and an extra 15% off if you have five or more products auto-delivered.

e-Bates and Shop at Home and Other Cashback Sites

Cashback sites like e-Bates, Shop at Home, and even Swagbucks or InboxDollars are great places to earn some money on the purchases you were already going to make.

These sites get paid affiliate commissions if you shop through their portals and they in turn give a portion of that commission back to you.

Coupons.com

If you’ve ever visited a coupon blog or tried your hand at coupons then I’m sure you’ve heard of this site. If not coupons.com is a website that allows you to print manufacturers coupons.

There’s normally a limit of two coupon prints per computer.

Groupon and Similar Sites

I think it’s great that saving money online doesn’t necessarily have to mean shopping online. In addition to printing coupons from a place like Coupons.com you can also take advantage of a service like Groupon where you can find vouchers for local shops.

Saving Money Made Easy

If you have the willpower to not chase a deal just because it’s a deal then saving money really is easy. All you need to do is look for deals on the things you really need and avoid the temptation to buy more.

What’s your favorite way to save money online?

The Link Between Money and Happiness

There is more to happiness than money but few would argue that it cannot help. People living with debt that is seemingly overwhelming face constant problems. There might be a stream of creditors chasing them for money and no apparent solution to the problem. Some of the people over the years that have suddenly won a huge amount of money on a lottery then wasted it have claimed that money ruined their lives. It is difficult not to think they have had basic flaws in their character that would have made happiness elusive anyway. The point is that health and happiness can go together. Those who take control of the financial aspects of their lives generally have little cause to worry.

Feel Good

The end of the recession has been good news for everyone. Unemployment levels are falling and with job security improving consumer confidence is rising. Low interest rates have resulted in cheap money being available. Modern lenders realize that there is demand for loans and there is certainly nothing wrong with responsible borrowing. People borrow for many reasons and as long as they can afford the monthly payments why not borrow money for a holiday or a new car? It will certainly result in happiness.

Whether the level of happiness people feel increases the more money they have is questionable. There are several other factors in happiness including friends, relationships, health and a sense of achievement. Different people have a different idea of what happiness means to them. For some it is a simple life in a beautiful environment; others seek excitement, city life and career challenges. The former are likely to require less money for happiness in the majority of cases.

Temporary or Permanent

It is important to recognize that happiness can be temporary or permanent. It may be something that people feel for a few hours on a number of occasions or a general state of mind that is fairly constant throughout a person’s life. Money’s role in the latter is likely to be important. When happiness comes and goes money may be irrelevant; it may revolve round something as simple as a favorite sports team winning each time. That can actually lift the gloom for a while. A shopping trip can obviously bring happiness; a new dress or smart phone but this does involve the need for money, and sensibly affordability.

Affordability is key.  The shops are open to tempt everyone and credit cards have often been the way that shoppers have paid for their purchases. These cards offer credit as their names suggest and the problem is that it is not essential to pay off the month’s spending in one payment. Interest charged on outstanding balances is penal and it is all too easy to build up debt without realizing it. For happiness think misery.

Finance

Everyone should pay attention to their finances. If they are spending more than they are earning then it will be difficult to be happy. Logic demands that people who want to be happy should get rid of their debt if it looks to be out of control. That does not mean that affordable loans cannot be part of a sensible financial strategy; indeed they may be central to creating a happy and comfortable life.

It is worth thinking about personal priorities and how to attain the things, material as well as emotional, that will bring happiness. There should be no room for envy of others because they seem to have more money. It is impossible to know how happy they are. Instead people should concentrate on their own priorities, aim to achieve them and be happy.

How to Save Big Money Shopping Online or In Store

5af814e516324d1393bafb1f0d719a10Nowadays, we are on a constant journey through the coupon jungle and how you can save money on using them. A lot of people sometimes overlook the huge amount they can save if they just use coupons from deal sites such as Groupon.

Several companies such as Sears and Nordstrom has incorporated coupons into their business strategy with enormous success. Partnered with Groupon, they will have a wider reach of consumers purchasing items whether in-store or through online. It is always a plus to see how much you can save from the original price and when customers start flocking to get the latest products, these companies can offer the very best.

Most people think couponing or claiming deals is a lot of work but it’s quite the opposite. Coupons are so easy to use and could save you tons of money each year if you know when and where to grab those great deals. That’s why this has become extremely successful and popular today.

Sears offer almost everything that you can think of, from clothes to footwear to make-up and even refurnishing your home or tool shed. Nordstrom also covers retail shopping on your favorite designer and collection items, designer home goods to beauty products and more. The best thing? You have several ways to shop, either in-store or online and save on your purchases and a lot more with access to Groupon’s freebies, coupon codes and promos.

If you would like to take a peek into their deals, check out Sears on Groupon and for Nordstrom. They have a lot of variety of promos to choose from so just pick and click the item that you would like to purchase and see how much money you can save!

What more could you ask for?

How to Spring Clean Your Finances

Have you been bitten by cleaning bug? Here are four smart ways to spring clean your finances.Has anyone else caught the Spring cleaning bug yet?

While I’ve been walking around whipping my house into shape, one place I haven’t wanted to touch is the enormous stacks of papers lying in my office drawers. But, if I don’t get it dealt with now I can only imagine what I’m going to have to deal with in just a few months’ time.

In order to tidy up all of my financial paperwork here are the steps I’m taking to spring clean my finances.

Shred Documents You No Longer Need

This is my number one most dreaded task which is why I’m starting with it first.

I have a stack of old bills and other unimportant financial documents that I need to rid myself of. Things like old bills, receipts, and other miscellaneous paperwork are on the shred list.

If you don’t have a shredder another option is to burn these items.

Make a Spot for Important Records

Since I’ve been organizing the whole house I want to keep my financial belongings in nice working order as well.

I plan on purchasing a few binders – one for taxes, one for important papers like mortgage documents, and a third for personal information like birth certificates and social security cards.

A simple system like this will (in theory) keep everything nice and neat.

Come Up with a Good Filing System

Next is an easy to maintain filing system. In order to keep this caught up I’ve decided that I’m not going to keep regular paper statements.

I can access almost all of my old records online so at this point I see no reason in filing a phone bill, for example. I’m only going to keep the important papers like receipts and bills I may need for tax purposes. Everything else will be immediately shredded.

Setting Up a Bill Station

Last on the list is something I’ve already done!

There’s a drawer in the coffee table next to “my chair” which contains a container full of pens, stamps, and a calculator, another container for receipts, my coupon pouch, checkbook, and my daily planner.

Keeping this drawer nice, neat and easily accessible has made paying bills less of a dreaded task!

Keeping Up With It All

In the past I feel like I’ve tried to make my filing systems a little too complicated. By dealing with papers as soon as they come in rather than stacking them up into a monstrous pile is half the battle. Hopefully my decision to stop hanging onto the things I don’t really need will nip this problem in the bud.

How do you organize your financial life?

5 Non Stock Market Investment Ideas

Not comfortable putting your hard earned cash in the stock market? Check out these five non stock market investment ideas to see if one's a good fit for you.Not everyone wants to put their hard earned money in the stock market. I can totally relate.

It took me awhile to get comfortable with the idea of investing in the stock market and even now I lean more toward non-traditional investment ideas.

If you’re looking to make your money work for you but are reluctant to start buying stocks or other similar assets here are five non stock market investment ideas.

Your Own Business

Thanks to the internet you can make a little bit of money go a very long way with an online business. And the business you start can be virtually anything. (No pun intended!)

You can take a little money and set up a freelancer’s website, a blog, an online store, or something else.

It will take hard work in addition to a little bit of money, but the rewards of starting an online business (or any business for that matter) can be huge!

Real Estate

Real estate has always been more appealing to me than the stock market. But rather than owning rental properties I want to flip houses.

I successfully flipped a house a few years ago and it was an amazing feeling! There’s a lot of risk in flipping houses but I know from personal experience that it can be highly profitable.

Certificates of Deposits

If you’re looking for a super safe investment then CD’s could be right for you. But you know what comes along with super safe investments? Super low returns.

CD rates are still very low so if you’re risk tolerance is moderate to high then this probably isn’t the investment for you.

Start-Ups

Did you know that you can now invest in start-up businesses?

There are certain start up sites now looking for angel investors. I would highly recommend that you thoroughly research any company you’re thinking of investing in beforehand. However, if you want to support entrepreneurs this could be the perfect non stock market investment idea for you.

Invest in Yourself

A few months ago I took a blogging course in order to help grow by blog. The course was $300 and I’ve already made about 10x’s that back, if not more! Investing in yourself is by far one of the most powerful things you can do.

Think about buying (and actually reading and applying) books in your field, taking courses, or getting a certification. YOU are your biggest money maker!

Which Will You Do?

When investing you are in no way limited to the stock market. There are many, many ways to make your money grow without every putting your cash into a stock. (If you do want to get started investing in the stock market with very little money read this.)

Just find something you believe in and make calculated investments. It really can be that simple!