Three Simple Ways To Reach Your Financial Goals



financial goals

When it comes to reaching your financial goals, it never hurts to find more ways – or better yet, simple ways – to make it easier for you.

That being said, here are three simple ways to reach your financial goals:

Save money with the first R in mind: REDUCE.

Admit it or not, most of us think that it’s enough to just set aside a fixed amount for our savings account. But you know what? This kind of mindset is actually makes us prone to spending more than we can only afford. Thus, you need to save money with the first R in mind: reduce. Reduce your car usage by purchasing your own scope (like those found at to go birdwatching at home. Reduce your electricity usage by switching your traditional bulbs into compact-fluorescent lights or light-emitting diodes. Reduce your water usage by turning your bath water into dish water or laundry water.

Budget money with the second R in mind: REUSE.

Aside from saving money with reducing in mind, you also need to budget money with reusing in mind – the second R. And no, this doesn’t mean you only have to use things that were already used by someone else. But yes, this means using things that were already used and using things that can still be used. Reuse those old newspapers and make them into a new art project. Reuse those old trees and make them into a new furniture project. This will not just make you budget more effectively when it comes to purchasing things, but also gives you the chance to display your own talents – without going overboard in spending money.

Invest money with the third R in mind: RECYCLE.

Aside from saving money with reducing in mind and budgeting money with reusing in mind, you also need to consider another important thing: investing money with recycling in mind – the third R. You see, recycling is more than just a way to get rid of things you need to dispose of. Recycling is a way to earn money, however small income it may provide you. Recycling is also a way to become responsible, especially when it comes to using things that might increase in value a few years from now. Recycle plastic and sell it in bulk or make something beautiful from it. Recycle glass and sell it in bulk or use it with plastic to make something beautiful from it.

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For the Handyman: Save Money by Not Buying Everything

oscillating tool

One way to save money is to purchase only what you NEED. You don’t have to buy everything all at once, you can start with the essentials and acquire the rest when you have enough savings.

This article is for the handyman who’s confused about what to power tools he needs the most. To help you put your money in the right way, here are the four handyman tools you’ll need for most of your projects:

Miter Saw

As a versatile saw, the miter saw allows the handyman to produce quick, accurate angle cuts and crosscuts. If you need a tool for cutting trim, then the miter saw got you covered. It’s needed in nearly all woodworking projects you’ll come across with.

Most quality miter saws are expensive, but you can settle with models priced around $80 and they’ll do the trick. If you have a few extra bucks, consider upgrading to a sliding miter saw which can cut wider wood pieces. Their prices start at $200.

Lithium-ion Driver

lithium ion driver

This lightweight power tool helps your cordless drill do their job properly. They usually cost less than $50, but if you want a better model, purchase one that costs $75. With it, you can drive 100 deck screws per charge efficiently.

What’s great about this driver is that it’s lighter than the usual nickel-cadmium-battery driver. Plus, it can hold a charge up to one and a half year! It also takes only 30 minutes to recharge.

These drivers can fit into tight areas and is a great go-to handyman tool.

Oscillating Tool

oscillating toolYou can purchase this tool for only $80 and after buying one, you’ll be glad you bought one. An oscillating tool can cut drywall, wood, and metal. It can also sand in tight spots, scrape paint, and remove grout. Seriously, the possibilities are nearly endless! Because of its numerous uses, it’s dubbed as a multi-tool.

It’s the jack-of-all-trades and that’s why you need it.

Now all you have to do is choose one out of the best oscillating tools on the market today!

Reciprocating Saw

Makita_JR3070CT_Reciprocating_SawBecause you can never have too many saws, you should check out the reciprocating saw. You can purchase one for less than $50 and it can come with various features like adjustable pivoting shoes and adjustable handles. However, unless you’re planning to use the tool frequently, then you don’t need those additional features.

Let your reciprocating saw cut quickly through drywalls, tubing, wood, metals, and more!

4 Reasons Why You Need an Emergency Fund

emergency fund

It’s not enough to save some money before spending anything; you should also save a portion of your salary to an emergency fund which is different from savings, of course.

Why do you need one, you ask? Here are the reasons:

Major medical and dental bills

You’ll never know when you’ll need a large sum of money to pay a hospital bill. Even if you’re healthy and young, a lot could happen and emerge. There are various possible culprits from unforeseen sicknesses to accidents. Not that I’m telling you to expect they’ll happen, but it’s better to have a fund for such events, so you won’t have to worry about where to get the money.


You might have a medical or dental insurance, but there’s no certainty that you’ll pay nothing. Besides, some procedures and operations might not be covered by the insurance, which is why you’ll need an emergency fund.

Home repairs or appliance replacements

Because we can’t tell the future, we sure will be taken by surprise when our house demands immediate repairs. Whether it’s the water pipes or electrical wires, you’ll need to spend money to fix it.

There might be an appliance that needs replacements too, such as your oven, refrigerator, or juicer. Even if that’s not an expensive appliance, you’ll still have to spend a few bucks to replace it.

Tip: Before you replace any appliance, be sure to read reviews such as masticating juicer reviews to help you save money and time.

More news about juicers here

emergency fund

Car repairs

Your car can’t be in its best condition at all times, which is why you have to add auto repairs to the reasons why you an emergency fund is needed. If you don’t have access to public transportation and you solely depend on your car, you have to make sure you can maintain it properly. But even if you drive safely and take good care of the car, accidents and unpredicted repairs might show out of the blue. Car repairs and replacements are mostly expensive, so it’s best to have an emergency fund instead of credit.

Unexpected travels

You can’t control time and other people’s lives. You might need to visit your hometown because of the death of a family member or go to a country for an emergency business meeting, and a last-minute plane ticket is costly. Instead of depending on your credit card, save money for sudden travels.

flying plane

Handling Your Finances More Effectively

personal finance

When it comes to money, there are certainly no excuses.

Even if you are just paid on minimum wage, you can always find ways to make every penny count.

That being said, here are some ways to handle your finances more effectively:

Save more by making things at home.

Whether it’s a dough recipe that you made via bread machines at or a cleanser recipe that you made via juicers or blenders, you can save more by making things at home. You also don’t need to spend on lunch 7 days a week and 52 weeks a year as you can make your own lunch at home – healthier lunches even. You don’t even need to expend on people 3 days a week and 20 weeks a year as you can repair your own things at home – better things even.

Budget more by writing everything on paper.

Believe it or not, there’s just something about writing everything on paper – especially when it comes to your spending habits. You don’t even need to write an entire journal entry for it. You only need to write an entire list for it. This includes what you spent for the day, what you spent for the week, and what you spent in a month. Writing everything on paper will not just make you more aware on the things that you apparently can live without, but also make you more realize on the things that you actually can’t live without.

BONUS: Invest by learning more about things.

An investment in knowledge pays the best interest. And indeed, it does! Invest by learning more about things, ones that can help you learn about something you’ve only been interested about for quite a while and ones that can help you learn more about something you’ve always been passionate about for a long time now. Mind you, you will not just learn how to make other streams of income, but also learn how to be more disciplined when it comes to spending your money in the right way.

These are only some ways to handle your finances more effectively.

Always remember, you can always find ways to make every penny count.

All you have to do is consider making things at home to save more, start writing everything on paper to budget more, and begin learning more about things to invest – these and many other ways to make every penny truly count.

How To Save More Effectively


Contrary to popular belief, saving money is not that complicated.

All you really need to have is knowledge, as you learn how needs and wants are different; patience, as you learn how time and effort are used; and discipline, as you apply everything you’ve learned.

Even more so, you can save more effectively by:

Learning How To Do Things On Your Own

Be it repairing a water leak in your bedroom or fixing a broken lightbulb in your kitchen, learning how to do things on your own is one great way to save more effectively. You see, you won’t need to spend too much time just to find someone to do the job for you. You also see, you won’t need to spend too much effort just to hire someone to do the job for you. All you really need are the right tools and equipment for the project, along with how-to’s you can find online or what-to’s you can find at

Learning How To Make Things On Your Own

Be it making your own lunch for your work or creating your own trinkets for your business, learning how to make things on your own is also a great way to save more efficiently. You see, you won’t need to spend too much on the materials you’ll be using. You also see, you won’t need to spend too high on the tools you’ll be using. All you really need are what you can find within reach, along with along with how-to’s you can find online or what-to’s you can also find online.

Indeed, saving money is not that complicated.

As mentioned before, all you really need to have is knowledge, as you learn how needs and wants are different; patience, as you learn how time and effort are used; and discipline, as you apply everything you’ve learned – all of which can be applied thoroughly as you learn how to do things on your own, as well as learn how to make things on your own.

How about you? How do you save more effectively? What traits should a person have to save more effectively? What learnings should a person know to save more effectively? Did you ever tried one of the learnings mentioned above? How did it go for you? How did it change your perspective on money? How did it change your perspective on saving money?

Do you know any other ways to save more effectively? Let us know in the comments section below!

Effective Steps to Save Money and Manage Financial Security

Saving Money

Your future depends on what you do now.

So, are you ready to plan for your financial future? If not, don’t worry! We’ll help you understand how you can manage your financial security in the future. Well, let’s proceed, shall we?

Read on and find out some effective steps to manage financial security.

Improve Yourself

This is where everything will start.

Getting a good education, knowledge, and skills are essential to attain a bright future. You have the power and skills! Keep yourself improving by doing constant training and personal development. Your knowledge and skills are the most valuable asset you’ll have for the rest of your life.

Don’t Spoil Yourself Too Much

It’s good to know that you’re rewarding yourself for a while. This will keep you motivated in life.

But don’t overdo it. Avoid spending too much as this could leave you out of cash. Always save a little money in case of emergencies!


Almost everyone is doing this, are you one of them?

If not, then do it as much as possible. Budgeting is very important. It is essential to keep your expenses balance with your income. Also, it will help you determine if you have enough money to buy the things you like and do what you would like to do.

Live Simple


Not This Simple.

Avoid buying unnecessary materials. Find and buy what you just need! Save more money now and reward yourself in the future. You’ll never know how much you can earn by living simply.

So, there you have it. Your financial future can be more secured when you follow these tips! It’s easy to buy the things you love the most, but the real challenge is budgeting. So, better prepare and be financially ready for a lively future!

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Hope you enjoyed reading this article and I’ll see you next time!

How to Market Yourself as an Expert


There are several benefits of being self-employed that you don’t usually get to enjoy in a 9-5 job. But there are also challenges that come with the different kind of freedom entrepreneurship or self-employment provides. Choosing to work independently and becoming your own boss entails huge responsibilities. On top of the typical personal-professional life balancing act you need to do, you have to learn to market yourself to stand out and attract more opportunities for your business.

Be bold

Boldness brings its own rewards. Decide to go for it regardless of how daunting venturing out on your own may seem at the onset. Create a marketing plan on how you can showcase your personal branding to attract potential clients. Stick to marketing strategies that work and make adjustments on those that don’t to continually refine your plan.

Be confident

Opting for the self-employment path is not an easy decision to make. It’s a major change that often involves a leap of faith. It’s normal to experience some doubts, especially when you face challenges along the way. But you have to be confident in your own abilities regardless of whatever misgivings you may have. Exuding confidence at all times not only helps in attracting the clients you want. It can also change your outlook and propel you to take action to follow-through with your plans.

Build and develop your personal branding

Develop a powerful personal branding. This is a great way to market yourself and highlight your value proposition. This can be an asset, especially when you’re trying to attract business from busy people. A personal branding that resonates can draw the attention you need and can help you create a positive first impression.

Explore different strategies

Don’t just rely on one strategy or a few techniques to market yourself and your business. Explore different ways and take calculated risks. Just make sure that you do your research first before trying out something to avoid needlessly wasting your time, effort, and resources.

Expand your network

If possible, don’t pass up an opportunity to attend events where you can expand your network. Building your network is an excellent way to establish contacts with potential clients as well as with people who can help in your personal or professional growth. The more you grow your network, the more chances you have of finding not just clients but also positive influencers who can inspire you to achieve success in your business as well as personal life.

Self-employment success hinges on several factors including your ability to market yourself effectively. Given the competition in any line of business, you have to develop a strong value proposition that would stand out among potential competitors. Thankfully, there are simple strategies you can follow to create your own marketing plan for yourself and your business. Consistently improving on your marketing strategies can help you grow your business.