Here is a great article about managing money in your twenties. Honestly this is the PERFECT age to start caring about money, I wish I had started earlier than I did. I know most people think “Well, I have 40 years to save for retirement”, but the sooner you start, the more you will have, and the less time you have to work to be able to retire. Compounding is king, my friends.
Time for free stuff!
Ok, this sounds strange. But then again I am an Apple user, so (and sorry to Microsoft users) it would sound strange. But according to Windows-Now, Microsoft is willing to give you a free copy of Vista and Office if you just watch a few videos. See, told you it sounded strange. From the site:
“So, if you watch three webcasts each for Windows Vista and Office 2007 within 30 days of registering, 6-8 weeks later you’ll get shiny new DVD cases at your front door. Only one free copy of each product per person.”
Thanks to reading the post about this over at Blueprint for Financial Prosperity back on Friday November 10th, and thanks to the fact that I have 2 of Citibank’s credit cards, I just received in the mail today my “Mail-In Gasoline Cash Back Certificate”. All I have to do is spend $100 on gas, save the receipts, and send them in before the end of they year to have Citi send me a check for the reimbursement. Of course, there were catches…
Let’s face it…the reason you get up and go to work in the morning is to make money so you can then spend your money, right? I mean, some of you might love your jobs or do it for selfless reasons (aka my teacher wife), but we all go to work so we have money to spend on the things we want (or actually need). That being said, we are also supposed to save a percentage of our money so we can (insert reason here, whether to buy a house, retire, change jobs, etc). So, here is my big idea on how to save money by spending it, and at the same time help the environment: buy compact fluorescent lightbulbs. “You want me to go to work all day to buy lightbulbs? And this is supposed to help me save money?” Well, yes, I do. And here is why. When you replace all the lightbulbs in your house with compact fluorescent ones, you will cut your monthly utility bill. The more lightbulbs you change, the more money you can save. We just recently started changing all our our bulbs, and our monthly electric bill DOES go down, albeight slightly, on a monthly basis. Added up over the long term (these bulbs last 10+ years, compared to regular bulbs) that can add up to a lot of savings. You can learn more about them here:
We all read about ways that an individual can help the environment such as buying carbon offsets, driving less, recycling cans and bottles, etc. But there are many more ways that little changes in your every day life can affect the big picture if more people started doing them. I am going to attempt to list as many as I can think of here, with links that might be helpful, and I hope you will leave comments with your tips, and I will add them to the list. Here are the ways I think that small changes can make a big difference: