Sunday, 24 November 2013

 From the childhood days our parents taught us the lesson of "Saving Money" but even after so many long years we failed to implement this lesson, as we know what to do ? but don't have a knowledge of How to do it ?

I will tell you 31 easy points to implement in you life to save the money.

 

1. Write your daily Expense:


Be-live me or not ...... this is the 1st & foremost step to save your money.

"Where does my money goes ? I really can't understand."

The most commonly used statement isn't it ?
If you wants the answer of this question start writing your daily expense. Starting from a single 1 Rs. chewing-gum you purchased to money you have given or taken from your colleague.Everything, everything should be recorded with you. You don't need to carry a pen & diary every time; instead you can use a smart way, yeah a smartphone app. There are many apps available in market to record your daily expense viz. Expense Manager.

2. Make A Monthly Budget:

Ones you are able to track Where your money goes? you can easily control How to manage your money?
This should not be like any scientific equation. It is just the idea for the fund needed to suite your monthly living. Start by listing your fixed expenditure like transportation cost, food, etc, and keep aside money for these. The balance can then be used for discretionary expenses like shopping, gifting or partying.

3. Spend within the planned budget :

It is much easy to say but very hard to implement, I know. But you will enjoy this as much as you start practicing this. Stick to your planned list as much as possible.
Did you go to buy a lip balm and returned with a bag full of cosmetics? An excellent way to control impulsive buying is to make a list before heading towards the market. Though the shelves are filled with temptations, pledge to stick to your requirements, and you will have more money at the end of the month.
Make your "Things to buy :" list & update it monthly.

4. Say “No” :

While shopping you come across a cool T-shirt or pair of shoes  & your monthly planning sheet get entered into dustbin isn't it ? It happened with me also several times. Then how to deal with this situation ?
Exactly say "NO". Say NO to what you do not need.Ask yourself, “Do I need this ?” twice before buying anything. This is a powerful weapon to save money which I am using it.

5. Plan Your Purchases:

If you want to buy a designer saree or 3- piece blazer for your cousins wedding worth Rs. 5000. Then start planning to buy this before 5 months & cut your expense by 1000 monthly. See how easily you manage to save this huge amount by cutting your outing & party expense.

6. Plan your travel early :

Make the travel bookings early and reduce the travel cost. In case you rush for last minute bookings, you need to pay higher rates.

7. Fund For Emergencies: 

There is one commercial on TV, I don't remember that brand but the tagline is like 
"Mushkile kabhi bata ke nahi aati"
True, very true. Start your emergency fund not ASAP but right now. 
Rather than borrowing from friends, making small adjustments, such as skipping a movie at the multiplex or ordering pizzas less often, can help you prepare for both opportunities and crises.

8. Use Debt card frequently then credit card: 

If you have to swipe, use a debit card. Unlike credit cards, there is no interest or late-payment charge in the case of a debit card, so there is no danger of stacking up a debt. It will also help instill financial discipline if you spend only what you have.

9. Free up your loans

If you have an option, free up your loans to maximum extent. If you are trying to save money and invest in investment options where you are getting lower returns than what you are paying, it is better to pay back your loan instead of paying higher interest.

10. Use credit card which is charge-free

Buy a credit card where there is no surcharge (extra charge for using the credit card at fuel stations) for using it for gas/fuel.

11. Prepay Mobile Expenses: 

Choose a prepaid plan to avoid ugly surprises at the end of each month. You can also customise to make the plan cheaper. So if your calls don't last more than a few seconds, get a pay-per-second plan, or if you are an SMS addict, add a message card to make them free.

12. Use Free ATMs: 

After the first five transactions in a month, you are charged Rs 20 per cash withdrawal if you are operating an ATM outside your bank's network. So, regular withdrawals from ATMs outside the surcharge-free network can be expensive. Avoid them.

13. Buying clothes : 

Buy clothes only after you clean your wardrobe.This is one of the good ways of planning.

14. Patience Pays: 

Even if you are dying to buy the new Android phone, waiting for a few months will be a good idea. Gadgets prices tend to fall as soon as there is a successor in the market. So, postponing your purchase for the same model by a month or two can get you a price cut.

15. Swap 'n' Save: 

Haven't you always exchanged your books and CDs with friends and cousins? Now you can do the same online to get a wider choice and save as well. Websites such as bookchums.com, swapadda.com and booksvilla.com can help you search for a person to exchange your belongings with.

16. Search For Online Bargains: 

Before you go for a movie or lunch with friends the next time, do not forget to surf the Internet. Discount sites are mushrooming by the day, with some offering as much as 95% off on a variety of products and services. You can get huge bargains at restaurants, on multiplex movie tickets, apparel, gyms, spas and a lot more.There are various sites like snapdeal.com.

17. Online discount offers

There are several good online shopping portals where you can save money. These online shopping portals are offering great discounts with several good features like delivery on cash, 30 days money back guarantee, return goods if you are not satisfied. Recent survey conducted in India shows that the online shopping has increased by 80% in last 2 years. Some of the good portals are flipkart.com, shopping.indiatimes.com, snapdeal.com etc.

18. Prefer buying them at shopping malls for discounted rates:

While it may not be true always for all purchases, you would definitely get good discount when you buy your purchases from shopping malls.

19. Festival season offers:

There are several offers during festival season. Sometimes, we may feel it might be genuine, sometimes not. En cash the festival season offers wherever you feel they are genuine discounts. Currently all retail stores are offering discounts throughout the year instead of during festival seasons.

20. Party At Home: 

Rather than spending thousands of rupees in a restaurant, if it is possible organize a barbeque party in your backyard. If this sounds like a lot of work, just spruce up your room and order some good food to have fun at half rate.
Check for various ways of having fun at home.You could save lot of money by making this as a habit as would be spending time at home with zero cost. 
 

21. Save money in power bills

We used to get the Energy bills/Electricity bills for Rs 500+ per month. So educate your  family on “use when you need”. Switch off the electrical items when you do not need. 
Another tip is “unplug your electronics” during night time completely (except your refrigerator). Even though you are not using them, as the electronics are plugged, it would consume some amount of energy. You can save that too.

22. Inexpensive Entertainment: 

The city's community centers offer several quality entertainment options which are also extremely inexpensive. You can opt for musical performances, film festivals, art exhibits, theater productions, dance recitals, sporting events and much more. Check out the local newspapers to keep track of such events.

23. Dinner/Lunch at discounted price:

Every one of us would go to lunch or dinner during weekend. Have you tried checking the offers where the restaurants are offering good discount prices? There are various offers at dealsandyou.com/Restaurant-Deals, snapdeal.com etc.

24. Save money on medicines

I prefer using “Medi Plus” for our medicines as we get 10% discount straight away. You can try for any such similar discounts being offered by chemists and reduce expenses

25. Free Samples: 

There are various promotional offers in the market where you get free sample/freebies in return of some surveys or sharing for company products. I personally posts free samples links on this blog. Check them out & save your money.
 

26. Buy used one

If you go for a new one to buy you need to spend more money. So if possible bye used one e.g. you can buy used car. Currently there is very good demand for such used goods.

27. Sell unwanted stuff:

Spend one week at home and clean-up all unwanted stuff. You can sell them at ebay, quicker, OLX and get some extra money. This extra money may not be big, but such unwanted stuff cleaning would help you to know what you need and what you do not need. You can avoid cases where you end up buying
which you already have.

28. Go on bike instead of car :

In case you are going for smaller distances and cannot go by walk, avoid going by car and instead use bike. You could save lot of fuel.

29. Reduce your car expenses:

How about switching off the A/c of your car to most of the extent.This may be painful in initial times, but if you adopt, you could save 25% of your fuel expenses.

30. Lock your car in the weekend :

In the weekends try to keep your car locked. Making a habit of walking for shorter distances not only saves fuel, but it also keeps us healthy and fit.

31. Take organic food and fruits:

Do you take organic food or do you go out in the weekend and spend money and have junk food and spoiling your health? Eating fruits not only keeps you healthy, but saves money.

Conclusion: 

I have mentioned few ways to save money above but I know it is not perfect & complete. If you are saving your money with other than above ways; please share your idea with our readers.

After all some one said that 

"The single money you have saved is equivalent to money you have earned." 

Also read : Investment Tips for Beginners

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Friday, 22 November 2013

Average Critic’s Rating: 3/5 Stars

Cast
Imran Khan.... Sriram Venkat
Kareena Kapoor.... Dia Sharma
Anupam Kher 
Esha Gupta.... Item Number
Shraddha Kapoor.... Cameo
 
Director: Punit Malhotra
Genre:  Romance
Duration : 2hr 28min
 
 

Story:

Shriram Venkat (Imran Khan) is a selfish & character less guy, who just care himself. His parents wants to marry him so that he can behave like a responsible person. He met with his marriage match Shraddha Kapoor. He told his love story to her, and our main movie starts from here. Dia Sharma(Kareena) has social activist in her blood. And due to the oblivious reason Shriram and Dia broke up as their wavelength doesn't match. 
So Dia is in small town working for the people & our hero Shriram enter the village to gain his love ones again. & rest is this film......    
 
Trailer:
 

Ratings:        2.5 out of 5

Review By:  Paloma Sharma

Gori Tere Pyaar Mein : You've seen it ALL before

Gori Tere Pyaar Mein is essentially two different films separated by an intermission.
First half is Ek Main Aur Ek Tu & 2nd half is recently released Ramaiva Vastavaiya
 
Gori Tere Pyaar Mein’s saving grace is that it is a love story and the second half will manage to melt your heart, if only slightly. It’s the classic opposites attract story and hey, if you’re into that kind of thing, this might be your kind of film. 


Ratings:        4.5 out of 5

Review By:  Taran Adarsh

GORI TERE PYAAR MEIN! :a blend of urban and rural India.

On the whole, GORI TERE PYAAR MEIN! is a charming and refreshing coming of age film plus rom-com rolled into those 2.25 hours. The film maintains the right balance between amusement, hilarity and engaging moments. Recommended! 
 
Conclusion:
GTPM is a light weight ROM-COM type movie, story line is nothing new & can be predictable at any point of film. On acting department all the actors have performed up-to their average nothing exceptional. If you want to pass the time this weekend then GTPM is better option to spend 3 Hrs.
 

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Thursday, 21 November 2013

Clean & Clear free sample freebies One of the best cosmetic brand of Indian Market Clean & Clear recently launched promotional offer for there new fairness cream.
They are distributing a sample pack of their new product to their customers for free of cost. You just need to do a SMS with below mentioned format. 


  
Send a SMS & get free Samples.
 
SAMPLE space NAME space AGE space ADDRESS & send it to 8452018888
 
For Eg :
SAMPLE ABC 22 HOUSE NO.1234, DELHI

After this SMS you will get a confirmation SMS like

"Thank you for response, you will receive your sample soon.



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Tuesday, 19 November 2013

FREE SAMPLE of Tetley Green Tea

Tetley is a well known brand for green tea all over the world is now offering the free samples for their Indian customers.

 You need to just like their facebook page & fill your personal details.

And Enjoy Your Tea....

Sunday, 17 November 2013

Average Critic’s Rating: 3/5 Stars
Cast:

Ranveer Singh.... Ram
Deepika Padukone.... Leela
Gulshan Devaiah.... Bhavani
Richa Chadda.... Raseela
Abhimanyu Shekhar Singh
Shveta Salve
Supriya Pathak
Priyanka Chopra.... Item Number
Krishna Bisht.... Keshav
Direction:
Sanjay Leela Bhansali
Genre: Drama
Duration: 2 hours 35 minutes

Saturday, 9 November 2013

 Bitdefender Internet Security
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Bitdefender.com is running an offer where you can get 1 license of Bitdefender Internet Security 2014.
You just have to fill your details in the offer page and you will receive the license key in your e-mail id



 To avail this offer, kindly follow the below steps.
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    2. Add product of your choice into the cart.

    3. No need to apply any bitdefender.com Coupon Code.


    This is limited period offer so hurry up...

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    Wednesday, 6 November 2013

    KitKat 4.4

    The kitkat 4.4 is in the new born of Google Android. Even though it is not available in the market with that instance peoples are very curious about what new things will be in the Kitkat. This article will unbox Kitkat 4.4 exclusively only for you.


    Tuesday, 5 November 2013

     
    Top Tablets
    This is the last day of diwali, & I am going to post my last article about diwali buying guide. I got decent feedback from you guys about my previous post of best smartphone,TV & computer. Today I will share my list of best tablets you should check out if you are planning to buy tablet for this diwali.

    Tablest are gaining more popularity for the business user because of its portability,size & features. I have already covered this topic in my article about tablets you can read that.

     

    Monday, 4 November 2013

    Thank you very much for your overwhelming response of my previous articles about best smartphone & TV . Today I will tell you the best AIO PC's available in Indian market as per your budget. 

    What ? You don't know AIO ? 

    OK, let me tell you..........

     

    "All-in-one PCs, also known as all-in-one desktops, integrate the computer case and system components into the monitor so that the entire PC  is contained all in one unit.  All-in-one (AIO) desktop PCs offer the advantage of a smaller form factor than desktop PCs, but they often come with several drawbacks as well, including higher cost, weaker performance and limited upgrade options." from webopedia.

    So my listing is as follows:


    Best AIO PC under Rs. 35,000


    Lenovo Essential C240 57-311939 – Rs. 27,000 (approx.)

    An entry-level 18.5-inch all-in-one PC, the Lenovo Essential C240 is one of the few AIOs in this price range to ship with preloaded Windows 8 64-bit, and features some rather decent hardware promising a hassle-free user experience on a budget.

    Best AIO PC between Rs. 35,001 and Rs. 50,000

    Dell Inspire One DLDT0454 (4GB) – Rs. 40,000 (approx.)

    Featuring a 20-inch full-HD touchscreen along with a 3rd generation Intel Core i3 processor, and shipping with Windows 8 64-bit, the Dell Inspire One DLDT0454 is a great looking AIO that will deliver solid features and performance at an affordable price.

    Also Read : Best Smartphone Options

    Best AIO PC between Rs. 50,001 and Rs. 75,000


    Lenovo IdeaCentre B340 57-311868 - Rs. 68,000 (approx.)

    Featuring a third-generation Intel Core i5 processor, a 1TB hard drive, Bluetooth connectivity, choice of USB 3.0, and a 21.5-inch full-HD 10-point multi-touch display, this variant of the Lenovo IdeaCentre B340 ticks all the right boxes.

    Best AIO PC between Rs. 75,001 and Rs. 100,000


    Apple iMac 21.5-inch (Late-2013) - Rs. 99,900 (approx.)

    Featuring a 2.7GHz quad-core 4th Generation Intel Core i5 processor (Haswell), 8GB of DDR3 RAM, a 1TB hard drive, FaceTime HD camera, and the bundled accessories of a Magic Mouse and Magic Trackpad, the 21.5-inch Apple iMac offers great hardware and overall user experience.


    Also Read : Best Television Options

    Best AIO PC above Rs. 100,001


    Apple iMac 27 (Late-2013) - Rs. 1, 54,900 (approx.)

    For a top-of-the-line all-in-one PC, there is no point looking further than the top-end model of the Apple iMac, the 27-inch Retina Display model with a 3.4GHz Haswell processor, 8GB of DDR3 RAM (with expansion slots), 1TB 7,200 rpm hard drive, and GeForce GTC 775M graphics with 2GB of GDDR5 RAM.

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    Sunday, 3 November 2013

    Yesterday, I have posted my article on Best Smartphone Options ; I got good feedback for that article. Today I will tell you the options available to you If you are planning to buy Television on this diwali.