Tuesday, 31 May 2011

Guest Post #2 Looking after your money is the new fashion fix by Russ

A few little tips about money here for you. Very relevant for me in face, since I have been over-indulging on purchases a little too much in May! 

Everyone's doing it. It's the latest fashion fix sweeping the world. What are we on about? Saving money of course!

It is a well known fact however, that no matter how hard you try to save money it is always going to be one of the hardest things in life to do. You can't stop bills coming in left, right and centre and you will always have to pay for food but all is not lost. There are some great tips and handy hints that can help get people through the most difficult of times.

A great tip before you even begin to start saving money is to break down your finances and look at where the majority of the money is going out. A great way to do this is to use a spreadsheet on a computer or write down weekly incomings and outgoings. This will help you balance your finances better and keep track on what needs to be curbed in order to get on to a more stable financial path. It's quite surprising how much money is spent each month but what is even more surprising is how much leaves your account on things that are unnecessary and can be reined in.

Another thing to remember is your right to complain. In these ever difficult times, if you have to purchase an item it is now more important than ever to complain if you are not happy with the quality you have received. There shouldn't be a promotion on complaining for the sake of it and you shouldn't do it for no reason because that isn't constructive and doesn't get anyone very far. However, if you are unhappy with something you have paid considerable amounts of money for, you have every right to demand your money back or a replacement. It is a tradition that if you are not happy with something it is better to just leave it and take the option of a quiet life. But it is now more important than ever to get value for money and it is a right that you should use if you are genuinely unhappy about a purchase you have made.

Another sad fact about the sorry state of financial affairs that everyone is in, is that one of the first things to be dropped from the budget are so-called luxuries such as haircuts and beauty make-overs. This is understandable but people still need to have little things like this because their self-esteem will be affected. A good way to get around this without paying salon prices is to visit local hairdressing schools and approach local colleges and offer to be a model for them to practice on. There is no real risk to doing this either because a trained hairdresser will always be on the look-out watching over them. It's a win-win situation that allows you to have a bit more glamour injected back into your life without paying over the odds.

Russ Beech is a money saving author from Mega.co.uk the travel offer discount website. He writes tips on frugal living and making the most of your money and is a frequently published web author.

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