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Top 5 Easy Ways to Save Some Money Every Day

Frugality, Saving Money

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Before you begin reading, you must know this: Frugality is not the key to experiencing a better life or becoming richer. Sure, it did work for a few inspirational people, but are you sure that it will work for you? Admit that those people are special. Frugality can equate to pain. And sure, pain helps you grow. But too much of something is always bad.

Nevertheless, here are some easy ways that you can do to save some money, even if in small amounts, every day, without having to deprive yourself of ALL of life’s pleasures.

1. Get or create a savings box or a piggy bank

At the end of each day, put all the coins that you have in it. It will not be that hard. After all, who carries pennies anyway? It is up to you whether you will up your ante whenever you make a “deposit” in your piggy bank. And do not worry about suddenly using the money in it. You own that money. You saved every penny that you have. And surely, there will be a good reason you will resort to breaking your piggy bank in the future.

2. Be a smart shopper

You do not need to be picky about the brands you buy. You do not need to sacrifice the quality of products you get every day just to save a few dollars. All you need to do is buy in large quantities. Buying more is buying with less cost.

3. Make your expenses worth it

If you plan to get a cup of coffee from a shop nearby, grab a friend. You do not need to pay for him or let him pay for you. Just enjoy the time you will spend with the friend or special someone. You spent more with the coffee, but you will get more from drinking it with company.

4. Stop thinking about saving money

It will only stress you out. You might save some money today by forcing yourself to not spend. But you will go back to spending again once your mind cannot take that thought anymore. And usually, those so-called frugal people who relapse from their normal spending ways tend to splurge, and that is a bad thing. Relax and just have a proper money management mindset. Always underestimate the money that you have and will earn, and overestimate the expenses and prices of the things you buy. You will be in for a shock once you check your balance at the end of the month.

5. Just avoid debt accumulation

Avoid using your credit card. If you need money, then go to an ATM. Of course, this should not be set in stone. Credit cards are not that evil. The convenience it brings can save you time, stress, and money. For example, would you rather go to an ATM 2 miles away from you just to shop? The gas you will need to use to get there will be just wasted. Use your plastic if you really need to buy something. But for everything else, use the money you have in your pocket.

Products with High Markup Prices and How to Avoid Them

Frugality, Saving Money

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The market is teeming with skyrocketing prices of products. Unfortunately, these are products that you need every day, and are therefore indispensable. On the other hand, there are some tried and tested tips to save up on the expenses.

  1. Buy refilled ink instead of the usual cartridge printer ink. The latter is so expensive, not to mention impractical especially if you use the ink every day for document purposes. What makes it more impractical to use is that you’d have to buy cartridge after cartridge of ink once one gets used up. To save up, buy refilled cartridges instead. They are a lot cheaper though the quality is good.
  2. Forget your bottled water. The manufacturing adds to the cost, and you are not helping the environment if you keep buying bottles of water daily. An alternative is to keep a tumbler with you and have it refilled in the office. You save a lot of money and you make Mother Nature happy, too.
  3. Purchase your own coffee beans pack and brew it in the office instead of ordering a Starbucks latter, which is overpriced.
  4. Make your own perfume. A signature scent or perfume costs dollars and may not be practical especially if you want to wear that scent every day. However, through chemical tests and learning how to concoct perfumes from raw oils, you can learn how to create that signature scent and even create one close to those luxurious perfumes endorsed and used by celebrities.
  5. Get generic names for drugs and medicine instead of the branded ones that are found to be thrice the cost of their generic counterparts. A caveat, though: find or buy ones from trusted and reputable pharmacies and as much as possible, buy those that were recommended or prescribed by the doctor.
  6. Subscribe to an unlimited text messaging service, instead of paying for individual texts. Some network service providers have promos like this, which is really meant to take off half the burden from their loyal consumers.
  7. College textbooks and other instructional materials cost $1000 if they are to be bought altogether. Some students are self-supporting and may find this setup heavy on the budget, especially for those references that they would use only once. The trick is to rent books or buy marked down ones. You can purchase the latter from thrift stores. These pre-loved books are often in good condition and are sold at a much cheaper price.
  8. Who needs designer clothes when you can shop at thrift stores instead? You do get designer labels, but since these are hand-me-down articles, their prices have been cut off. Just be careful and check any signs of damage.
  9. Produce can be costly if they are bought at your regular supermarket. To save up on vegetables and fruits, you can buy cheaper ones at your local market. The difference won’t be too big, but when you add all the prices, you will be able to set aside an amount for your next shopping.

Har Vokse Review

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A Detailed Har Vokse Hair Spray and Supplement Review

What Is Har Vokse?

A hair care product brand that is designed to provide the following for the hair:

  • Protection and strength to existing hair strands
  • New hair growth on empty hair follicles

Each order includes one hair growth spray and a bottle of hair care supplements. Both the hair spray and the supplements are to be taken twice daily. The hair spray needs to be sprayed onto towel-dried hair. The capsules can be taken at any time during the day. However, it is best to take one capsule in the morning and another in the evening. This significantly reduces the timeline between each supplement intake.

People who have already tried using Har Vokse report that they’ve noticed improvements in the thickness and consistency of their hair after just a week.

What Makes It Work?

The product boasts of four primary ingredients:

  1. Camellia Sinensis – this is the primary ingredient used for various types of teas such as oolong tea and white, yellow, and green teas. Everyone is pretty much well aware of the benefits that tea can provide for the body. For one thing, tea leaves contain high levels of anti-oxidants. These anti-oxidants effectively help tea-drinkers avoid the negative effects of various diseases. As a matter of fact, drinking a cup of tea daily has been known to keep certain diseases away. These diseases include cardiovascular ailments like asthma and angina pectoris. When it comes to caring for the hair, the anti-oxidant properties of tea leaves help ensure that free radicals wouldn’t be able to do any damage to the hair follicles. When the follicles are healthy, it is then able to produce healthier and stronger hair.
  1. Centella Asiatica – this is more commonly known as gotu kola and has been used by various ancient cultures as a medicinal plant. It is also a primary ingredient in various Asian cuisines and is served as a refreshing juice drink in Thailand. It is believed to contain anti-aging properties and is also used for treating diabetes, hypertension. Gotu Kola is also a primary ingredient for various topical ointments that are used for dressing skin wounds. As a hair growth treatment, Gotu Kola or Centella Asiatica also helps nourish the hair follicles. It effectively treats any damage that the follicles may have suffered due to incorrect hair care practices. Sometimes, the damage may have been caused by a lack of sufficient nourishment.
  1. Coffee Arabica Seeds – coffee has had a long and often contentious relationship with health buffs. A lot of health-conscious individuals steer clear of it because of its negative side effects. But it still managed to maintain its wide following especially among the harried office workers who need to stay awake while on the job. Despite all the debate, there is one truth that stands out: raw coffee beans are a rich source of anti-oxidants.Raw coffee beans also promote proper blood circulation. Harnessing the natural properties of Coffee Arabica Seeds for hair care products can actually do wonders for the follicles. Because the seeds are used on the spray, this means that consumers wouldn’t have to worry about the much-debated negative side effects of ingesting coffee beans in the form of a mug of warm coffee.
  1. Folic Acid – folic acid is a nutrient that is mostly associated with pregnant women. It is the first thing that an OB prescribes as soon as pregnancy is confirmed. But aside from its benefits to the growing fetus, folic acid is also quite valuable for maintaining the health of the hair and its follicles. Its primary function is to promote the healthy growth of the tissues of the skin, nails, and hair. This is achieved by regulating the production of red blood cells. Each of these ingredients can be taken individually as vitamin supplements. But these have been combined into the Har Vokse hair care system so that consumers would be able to obtain the full benefits.

Pricing Information

A three-month supply of the Har Vokse hair growth spray and supplement can be a bit expensive. The current price range is at around $126 to $130 on various online stores. However, the money that you pay for the product would not be in vain. It has been given 4 to 5-star ratings by several other consumers who have already tried using the product. These ratings are testament to the effectiveness of the product in being true to its promise.

One thing that has convinced a lot of other consumers to buy the 3-month supply is the fact that it comes with a 100% money-back guarantee. They can try using it for 60 days. If they should find the product ineffective, they can contact the store’s customer support department to process a return kit and to have their money refunded.

One tip from expert shoppers is not to order from the first online store that you come into contact with. It is best to buy Har Vokse via the official website as you are most likely to get a genuine product and also the best deal.

Customer Support

Customers who need to contact somebody who is knowledgeable about Har Vokse Hair Spray and Supplement doesn’t have to blindly grope around for contact details. A lot of well-established online stores provide various means for customers to contact them. One of the most common contact points is via a live chat agent that automatically pops up while the customer is browsing through the site.

Another option is to call the toll-free number that is often placed at the uppermost right-hand corner of the screen. For returns, the customer would usually be provided with a return kit and the shipping details provided while the return order is being processed. The fastest way for getting a response if you have product-specific questions is to chat with the live agent. The response is often instantaneous so no need to wait around for hours just to get the answers you need.

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Top 5 Holiday Shopping Coupon Tips

Couponing, Frugality, Saving Money

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The holidays are near and people are once again feeling the Thanksgiving and Christmas rush. Shoppers would again barge into stores and get hold of items they need for their Thanksgiving and Christmas dinners and holiday feasts. On the other hand, prices might shoot up because of the extreme demand. Hence, such times need smart consumers who know the value of discount coupons.

1. Shop online and maximize your coupons

What’s good about online shopping is that you get to buy your stuff without the hassle of going to jam-packed stores and squeezing your way in. Online shopping provides you all the convenience of buying anything you need and want. Moreover, you also get coupons instantly. There are a number of coupons that crop up in your screens. These coupons can be used to ask for discounts in your order.

2. Compare prices in stores and see which ones you’d buy with your coupons

It is a wise practice to check out various shops and see where you could use your coupons. You might just find items at fantastic discounts and awesome freebies. Know store policies as well. You might just come across a store that allows you to pair your coupons with discounted products. Other stores, on the other hand, would ask you to choose a product with a higher discount and match it with another item with a lower discount. If you’re online, it wouldn’t take so much of your time to check out the sites and compare the shops. Aside from Amazon, there are also other local retailers that offer special discounts

3. Use holiday shopping apps to get more updates regarding sales and discounts at your favorite stores

These apps could also be used to track your target items and see how much was taken off the price for a certain period. You can use barcode apps, too, to find the best deals in the market. Simply scan the barcode and you would see the prices and reviews. This will help you decide before you purchase anything.

4. Start early

It is always better to be prepared than to wait for the holidays to kick in. Even before November and December roll around, try to find coupons in your newspapers and online so you could stock up on them before the rush. Awesome deals are launched as early as October and you could take advantage of social media as well to get updated with the latest promos from your local stores. It wouldn’t hurt to mark your calendars and check out patterns. Discounts are usually given three times a month and it would be a good idea to get ready for any coupons that stores would be giving away.

5. Check out other sites that offer coupons

There is more to cyberspace than Google, and the latter could only offer as much. You can check DealsR.com or Coupontz.com for the best deals online. The site also tells you where else you could find coupons, some of which are unknown to those who browse only Google.

Habits to Avoid When Teaching Kids Financial Responsibility

Frugality, Saving Money

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Financial responsibility is one virtue that you can teach your kids so that they grow up as skilled financial managers. Being responsible with money is something that they can learn at a young age, and there is no excuse not to expose them to a very “grown up” thing. However, there are habits that you need to avoid so that your children will not misunderstand you. The primary step is to set a good example of being financially responsible. This is further specified into the following principles:

  1. Avoid fighting about money. According to a study in 2012, children who heard their parents fighting about money grew up to have financial issues and are more likely to be buried in huge piles of debt. Intense conversations about money will never make everyone in the family at ease. Instead, you can keep it low-key by conducting a “budget talk” where you and your husband or relative discuss expenditures in a positive light. Apply the problem-solution approach and avoid blaming one another.
  1. Avoid spoiling your kids when they want to buy stuff. Teach them to save for what they want, yet emphasize what they need to prioritize when buying. For instance, they may be able to save a few dollars to buy candy, but you can teach them to use it on a more important thing (i.e. books).
  1. The topic of money shouldn’t be a taboo. You can discuss this even with the children around, but avoid quarreling about finances. When your children ask about budget and expernditures, take time to explain to them these concerns.
  1. Avoid being dishonest. If you owe someone, don’t ask your children to lie on your behalf. Teach them to face the consequences of debts. Better yet, teach them not to get buried under a pile of debt.
  1. Don’t keep up with the Joneses. This is an attitude that could send any family to deep debts. Competing with other families will send a negative message to your kids – that it’s alright to spend beyond your means as long as you can address your caprices and unnecessary wants.
  1. Avoid being too comfortable with debt. Check how you spend on your items. Ideally, you should be spending from your own pocket and not relying on credit cards. Resort to the latter only if there is an emergency. Otherwise, teach your children to save for the puchase.
  1. Avoid tackling too much about money either. You can discuss money matters but be wary of making it the sole topic in the household. It may make your children think that money is too important. Also, teach your kids the value of money, but tell them it cannot equate happiness.
  1. Impulsive spending may influence your kids. Teaching them to think twice before buying anything will make them more responsible in handling money. Teach them to buy one at a time as well.
  1. Do not overspend. Show your kids that the right way of managing finances is to buy what’s important, and to buy what your family can afford. Buying at thrift stores and book sales is not a bad idea after all. Teach your kids to be a smart consumer.

5 Things you should Start Doing Right Now to Save on Christmas Gifts

Frugality, Saving Money

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Trying to save money during the Christmas season is a skill that most people haven’t mastered yet despite many attempts. Shopping is a must during Christmas but there are things that you can do to save on Christmas gifts. Here are some useful money saving tips that you can use.

1. Plan a List of People and Follow a Budget

You are not obliged to give a present to every single person you’ve been acquainted with. Likewise, it’s not your responsibility to please them with expensive gifts. Start by making a list of family members to whom you want to give a present to. Allocate a certain range of amount for each person. Remember that it’s alright to spend a little more on people who are fond of you. However, it’s important to stick to your budget. Setting up a budget gives you an overview of how much you will spend on gifts alone.

2. Save Money for Gifts

Take a look at the list you just made. Perhaps, you want to give a few people something special or expensive. As early as possible, you can start saving spare change and small bill denominations in a jar daily. Only open the jar once you’re prepared to shop for gifts. Creating a separate pool of funds for Christmas gifts prevents you from getting overwhelmed by sudden Christmas shopping expenses. To even squeeze in more money into your savings, you can start deciding how to cut your daily expenses. Try bringing packed lunch for work instead of dining outside or bringing your own water instead of buying drinks from convenience shops.

3. Start Window Shopping

Window shopping trains you to control your shopping impulses and gives you an idea of what gifts you can buy for your loved ones. Take time to visit the mall and novelty shops you used to just pass by in a hurry. You may unexpectedly spot a one-of-a-kind marked down item that fits your budget for someone in your list.

4. Go DIY

You can save some money by putting your creative skills into good use. Making your DIY Christmas gift personalized like inscribing the recipient’s initials and using their favorite color will help make your gift appear more valuable. Now, you don’t have to be that someone who always gives cheap gifts. Create something useful like personalized mugs, coasters, clock and soaps, or resin jewelry. The possibilities are endless. People tend to value personalized gifts because they feel a connection with them. DIY gifts are never meaningless gifts.

5. Always Opt for Useful Gifts

Take time to list down the simple things that that person likes. This doesn’t mean that you would give them cheap office appliances. Rather, look into their hobbies and preferences. Your money is going to waste if you bought a meaningless and useless gift that the recipient finds irrelevant in their life. It would be better to look beyond the glitz of gift items and ask yourself how that person will benefit from your gift. Seeing them actually use your gift gives a bang to your buck better than any discount can give.

Tips for Using Twitter to Find Coupons and Deals

Couponing, Frugality, Saving Money

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Almost everyone has a Twitter account these days, and you’ve probably had a lot of fun exchanging tweets with your friends or seeing what your favorite celebrities are up to. But did you know that Twitter is also an excellent place to find deals and coupons online?

With a lot of business being done over the internet, companies are running all sorts of marketing campaigns that cater to netizens. Using the following tips, you’ll be able to use Twitter to take advantage of these offers and make huge savings online.

Follow Your Favorite Brands and Stores

Reading the Twitter exchanges between a company and its customers can be highly entertaining. However, that’s not the only reason why you should be following your favorite brands and stores. Twitter is often where they announce flash sales and limited deals. They may also post printable coupons or codes you can enter on their website for a discount on your next purchase. You have to be quick to take advantage of those, so you may want to keep them on alert.

Follow Established Couponers

Hunting for deals on Twitter can be daunting if you do it by yourself. You should therefore keep an eye on the most experienced deal-hunters to see how they do it. Many established couponers are extremely active on social media, and their Twitter accounts can be goldmines for anyone who’s looking for new ways to take advantage of bargains. In addition to learning more tips and tricks to help you save money, following these people will also point you in the direction of great sales and the best online resources for coupons.

Follow Accounts Devoted to Coupons

This is a bit different from following couponing experts. These accounts are run by people who use algorithms that scour the web for deals on a regular basis and tweet their finds to their followers. You can use these to find high-value coupons or deals that you didn’t even know existed. Just be aware that these accounts can update pretty frequently, especially during the holidays, so expect to see a lot of them on your Twitter feed.

Join Contests, Giveaways, and Other Promos

Twitter is the venue for a whole lot of contests, giveaways, and other promos run by different brands and stores. Joining in is easy: usually all you’ll have to do is fire off a clever tweet or post a picture. The rewards can range from small knickknacks to huge discounts, so be sure to check what you can win before jumping in.

Directly Ask for Discounts

Lastly, it won’t hurt if you Tweet at companies or retailers to directly ask for discounts or coupons. This doesn’t work all the time, but when it does, it’s always immensely rewarding. Of course, you’ll have a better chance of making this work if you have some Twitter clout, either in terms of followers or the nice things you’ve tweeted about the company’s products and services in the past. It also helps if you make sure to ask nicely!

Skinception Review

Reviews

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What Every Skincare Enthusiast Needs to Know About Skinception

The Guarantee

Skincare is something that a lot of people do not hesitate to spend their hard-earned money on. Sometimes, people spend money on stuff that don’t work or deliver only half of what is promised. Unfortunately, there are only a few options for these people since the products may no longer be returned unless they expressly signed a money-back guarantee agreement with the seller. This is something the Skinception skin care line promises its customers.

Customers can try the product for up to 90 days. If they don’t like what they purchased or if they feel that it hasn’t delivered according to promise, then they can return it for a full refund. Unlike the refund process for other brands, Skinception does not make it difficult for customers to get their money back. They don’t ask any questions. What’s more: they also provide a full refund for the shipping fees.

This alone puts Skinception ahead of the competition. The only problem is that the company is web-based, which means that it only sells its products online.

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Products

Skinception classifies its products into three main categories. Each of these three categories contains a range of products that perform different functions for the skin.

1. Anti-aging. This category includes products that promise to make the user look at least 10 years younger than her actual age. This is done only through natural means and without the help of any cosmetic procedures. Some of the effects of the serums include wrinkle reduction, as well as erasing the puffiness and dark circles around the eyes.

2. Restoration. The products under this category are meant to bring out the inner glow of the skin. They also promise to reduce blemishes, as well as erase any trace of skin damage. These damages include stretch marks that may have been obtained through weight loss/gain and/or pregnancy. There are also a few restorative products that are designed to erase scars or to lighten its appearance so that it won’t be too noticeable.

3. Special care. The primary goal for the products that fall under this category is to even out the skin tone. This is done by treating the various skin conditions that cause discoloration, such as rosacea, blotches, and freckles.

The price for each serum depends mostly on what the product is designed to achieve, as well as the rarity of the natural ingredients that were used for creating it.

Compatibility

Naturally, there are skin types that may be sensitive to the ingredients used in various skin care products. These are the skin types that often suffer from terrible breakouts or rashes whenever they use untested skin care products. This is true for almost every other skin care product out there, regardless of the brand. This is why Skinception’s experts recommend testing the products first on the skin at the back of the hand prior to applying it on the face and neck.

Another compatibility issue that may arise is for pregnant women who want to start using the stretch mark serums even before they give birth. This way, the stretch marks do not worsen even as their bodies continue to grow with the pregnancy. In this case, it is always best to check with your physician first.

It is important to follow these recommendations even if Skinception’s product lines are all made of high quality ingredients. It should be noted, though, that the company has not received any complaints about rashes and/or breakouts from any of its loyal customers so far.

Order Placement

Placing an order at the Skinception website is quite easy. All you need to do is to browse through the list of products under each category. Upon finding the desired product, simply click on the order button and this will redirect you to the product packages page. This page contains several options for product packages that customers can choose from.

These packages contain products to last for 30, 60, or 90 days. The packages also include various attractive bonuses that would go along perfectly well with the chosen product. In some cases, it is better to order a 5-month supply because the bonus on this package does not only include special items. It also includes a free 2-month supply. This gives customers a savings of up to $200 in terms of the free supply and the bonuses.

However, the 5-month supply is recommended only for customers who have already tested their skin’s compatibility with Skinception’s products. Those who are still on the testing phase can simply order the 2-month supply. They don’t have to worry though because the 2-month supply also contains the same bonuses that can be found on the bigger packages. After choosing the preferred package, customers could then proceed to the order placement form.

The form requires them to enter both their billing and shipping address. It also has a separate field for the payment details. In the past, there have been a few disgruntled customers who claimed that they never authorized their cards to be billed. But customers have to understand that by entering the 3- or 4-digit CVV that is unique for each credit card, they have given the authorization for the bill. They don’t have to worry about this because Skinception does provide a full refund guarantee to all of its customers.

Support

There are many ways in which web-based companies can provide the necessary support for its customers. The most common among these is the presence of a live support system that can assist customer queries faster than phone or email. Unfortunately, Skinception does not have this live chat option as of yet. This is probably because the company is still relatively new and is still on the process of establishing itself.

The best way for customers to contact the support team is by calling the toll-free number that is provided in every page of the Skinception website. The hotline is open 24/7 and is manned by real-life customer service agents. The company also provides a link for their customer support’s email address and fax contact information. These two options can be found on the page where the customer is completing the order form.

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