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There are many easy ways for you to save cash when dealing with personal finance basics. There are a few that are a little more time consuming than other methods but in the end it is completely worth what time it takes. If you only follow 1 or two of these tips you can save more money than you might imagine every month.

Read the subsequent 9 tips to save money

REQUEST FREE SAMPLES:

There are plenty of Internet sites that give free samples on every day items. Sometimes the big companies like K-Mart or Home Depot have excellent opportunities for everyday people to get free products. Those items range from skin moisturizers and personal hygiene products to frozen food or bathroom products. One other option is to visit a manufacturer’s website to locate some free samples on newly released items. If there is something you may need, type the words ‘free sample’ into google before you go to the store to purchase it. This is the foundation of learning personal finance basics.

CHANGE CREDIT CARD SPENDING AND HABITS:

Credit cards are wonderful but also dangerous. With high interest rates and monthly fees, credit cards may end up costing you more down the road than you expected.

Things I keep in mind:
– never use credit cards unless its for a major purchase
– be certain you are able to afford the item before you use a credit card
– be sure you can pay the balance of your credit card

AVOID IMPULSE BUYS:

Everyone has had to push a shopping cart through the aisles of the grocery store and the moment we arrive at the check out we ‘ve picked up twice as much as we planned to buy. You should make a shopping list, follow that list and never purchase anything that’s not on that list. This goes for any type of shopping including wardrobe, books or movies or CD’s. Stores are designed specifically for those impulse buys with candy racks and chocolate bars within easy reach. Make your list, check it twice, and follow it.

SHOP THE SALE RACK:

This is another personal finance basics rule but keep in mind this isn’t necessarily an impulse buy. If you made your list and know that you need a pair of pants and a shirt check the sale display first. It’s pretty likely you might locate exactly what you are looking for on sale and pay far less than the regular price. Food stores work the same way. They often over order items and sometimes run unadvertised specials on overstock items. Just make certain that item is on your list.

SAVE YOUR HARD EARNED MONEY:

This may be the hardest thing to do when cash is tight, but it just might be the most important of these steps. According to a book I’ve read ‘The Wealthy Barber’ you should save 10% of the money you make every month. That may not seem like a lot but it does add up rather quickly and if wisely invested it will go a long way towards your retirement down the road.

The question is which is right for you, how much do they cost, and what do actual users say about them. We went online to research the
best shampoos and visited sites like About.com, iVillage, Epinions.com, Rateitall.com, and Regrowth.com. Shampoo reviews – Consumer Reports has done some studies on the effectiveness of shampoos but findings point towards the less expensive brands as being just as good as the high end ones. Amazon.com lists 100’s of shampoos (with reviews) – some for thinning hair, some for oily hair, and some for color treated hair. Owner comments posted online are perhaps the best source of feedback on products as you can read what dozens of consumers have to say about a particular brand or product. RECOMMENDED – We suggest shopping online at Amazon.com since they carry all the leading brands and often have the lowest prices on the internet

We’ve seen the commercials for years, which dandruff shampoo is better – Head & Shoulders or Selsun Blue? The best
best dandruff shampoo is still Head & Shoulders ($5/14 oz). It contains zinc pyrithione, an active ingredient that helps fight of dandruff issues like flaking and itching of the scalp. Some experts on dry scalp say those with severe dandruff should consider a more powerful solution like Neutrogena T/Gel if Head & Shoulders doesn’t work on their scalp/hair. RECOMMENDED – Want to control the scaling and excessive itching, consider the Nizoral Anti-Dandruff Shampoo – with almost every reviewer giving it 5 out of 5 stars, Nizoral really performs. You are supposed to use it twice a week to control your dandruff and become dandruff free. It’s recommended for children over the age of 12 and adults. For those suffering from cronic dandruff, Nizoral may finally be your solution. .

Common Causes of Dark Circles Under Eyes

• Thinning skin
  The skin under the eyes is thin and delicate to begin with. As we age, skin and the fat pad under the eyes becomes thinner, causing blood vessels to become noticeable. This gives the appearance of dark circles. Sun damage can make it worse because it weakens skin.
• Allergies and Hayfever
  Dark circles under the eyes can be the result of allergies to airborne substances, such as pollen, dust, and pet dander, because people rub their itchy eyes. People with hayfever may notice them at the height of the season. Food allergies or sensitivities can also contribute to dark circles.
• Genetics
  Dark circles under the eyes runs in families. They tend to be more noticeable in people with fair skin or deep-set eyes.

Eye bags are also said to become more noticeable if you frequently indulge in heavy drinking. Alcohol is not easily metabolized by the body, and one of the side-effects of this is that capillaries become flushed and damaged. This paired with the disrupted sleep usually associated with drinking can easily lead to pronounced eye bags. Finally, excessive consumption of salty foods is thought to have some link to this under eye condition, due largely to the fact that high salt levels interfere with normal skin hydration. Again, this is often most noticeable in the development of eye bags, which may also be linked to dehydrated under eyes.

If you’re familiar with American Gold Eagle coins then the chance are that you probably already are aware of the fact that they can be a great investment. Not only for people who love to collect coins, but for anyone who wants a part of history. Coming out in the 1980’s they are the official gold bullion coin of America.

There are four different troy ounces that are offered in these beautiful Gold Eagle coins. Ranging from 1/10 ounce, up to 1 ounce of pure gold. Something you may not know about these coins is that the gold that is used to mint them is required to be mined here in the good old United States of America.

One side of the American Gold Eagle coins have Lady Liberty as done by Augustus Saint-Gaudens’. A lovely picture that shows her hair flowing, holding the torch in one hand and an olive branch in the other. While on the other side is the American gold eagle flying holding an olive branch, over a nest that shows a female and babies. This was taken from a design done by famed sculptor Miley Busiek.

These American Gold Eagle coins normally run about equal to the value of the gold that is in their content. This past spring, the coins values were as follows: the $5 is worth $130, and the $10 coin is worth $275. While the $25 coin is worth $550, and finally the $50 is valued $1, 000 or more.

These coins are usually manufactured in the Mint’s West Point, New York facility. These 22-karat coins are made of 91.67% gold, 3% silver, and 5.33% copper. The price will depend on the content of gold and not the stated face value.

In regard to the coin’s sizes, the 1/10 ounce coin measures 16.50 mm in diameter, and is 1. 19 mm in thickness, with a weight of 3.393 grams. Those 1/4 ounce coins are a diameter of 22 mm, thickness of 1. 83 mm, and weigh 8. 483 grams. For the 1/2 ounce coins you have a 27 mm diameter, 2. 24 mm thickness, and a weight of 16. 965 grams. Finally, the 1 ounce gold coin measures 32. 70 mm in diameter, 2. 87 mm thick, and weighs 33. 93 grams.

Coins that were produced between the years of 1986 and 1991 will display Roman numerals for dates. While coins that came out after those years display Arabic numbers. These great coins almost an essential item for collectors and anyone out there look into. To diversify investors and collectors should look into buying different american gold coins with the hope of building a diversified collection of quality coins that you will be able pass down to your children or grandchildren.

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AS recession looms, it’s essential that you have some protection insurance in place to cover you if you can’t work because of illness.However, choosing the right type of insurance and avoiding wasting money on the wrong type is not easy, particularly with so many products on the market.But before you decide what type of protection insurance to buy, you need to know how much you are entitled to from the government and, if you are employed, how much you’ll get from your employer.

SICK PAY: THE STATE

If you can’t work due to illness or disability, you’ll get some government assistance, but benefits alone will be difficult to live on. What you get differs if you are employed or self-employed. Statutory sick pay (SSP) Only employees are entitled to SSP. If you are off work for four or more days, you’ll usually be entitled to SSP, which currently pays 75.40 a week for up to 28 weeks.

Employment allowance If you are still sick after 28 weeks you’ll be assessed to see if you are eligible for a new state benefit that came in last October called Employment and Support Allowance (ESA). The assessment period lasts for 13 weeks, and during this time you’ll receive an amount broadly in line with Jobseeker’s Allowance currently around 60 a week for people over 24.If you are assessed as being capable of doing some form of work, you’ll be entitled to claim ESA of currently 84.50 a week until you can get back to work. However, if you’re assessed as not being able to return to work you’ll receive (currently) 89.50 indefinitely.The self-employed go straight into the 13-week ESA assessment period.

SICK PAY: EMPLOYER

By law, employers only have to pay SSP, but many are more generous than that. Many pay your full salary for a period of time (four weeks is common) and then possibly half pay after that. Some offer a group income protection policy.It’s important to find out what your sick pay entitlement would be from your employer, before taking out any private insurance, as there is no point in paying for insurance you don’t need.So what extra cover do you need, and how can you get the maximum protection for the minimum outlay?

INCOME PROTECTION – WHAT IS IT?

Income protection (IP) is the insurance that most people should have and few do. With IP, you receive a monthly tax-free income (often around 50 per cent of your salary) if you can’t work because of illness, accident or disability. IP continues to pay the income until the end of the policy term (normally retirement age) or until you can get back to work, whichever comes first.

HOW IT WORKS

With all IP policies you have to be off work for a certain amount of time before the policy starts to pay out. This is called the *deferred period’.The shorter the deferred period the usual choices are four, 13, 26 or 52 weeks the higher the premium.It makes sense to use an IP policy to *top up’ the benefit you get from the state and your employer if you can. So, for example, if your employer will pay you full salary for six months, your IP policy should start to pay out after that.The main downside to IP is that any payment you receive is treated as *income’ and may reduce any incapacity benefit, ESA or other state benefits (but not SSP) that you are entitled to. IP provides good cover, but it can be tricky to get the deferred period and the amount of cover you need right. We recommend that you always get advice from a specialist independent financial adviser.

TYPES OF POLICIES

If you can, choose a guaranteed policy where the amount you pay each month is fixed for the entire length of the policy. Reviewable policies, where the premium you pay is reviewed every few years, are cheaper at the start, but could become much more expensive over time.Age-related policies are good for people who are classified as a higher risk for example, women, smokers and those with riskier jobs. Premiums can be even cheaper than guaranteed or reviewable policies but will increase by a set amount each year.For more details on Income Protection

WHAT IT WILL COST

A 30-year-old, male, non-smoker in a low-risk occupation could get 1,000 a month from a Best Buy IP policy for a guaranteed premium of between 23 and 40 a month.This would last until retirement and have a 13-week waiting period. This would reduce to between 18 and 36 for a 26-week waiting period.For a 30-year-old woman with the same conditions, it would cost between 34 and 67 for a 13-week waiting period. However, a 30 year old could also get an age-related policy from 14 a month.IP should be the protection of choice for most people. It provides you with an income until you can get back to work or until the end of the policy term which is usually your retirement.It’s vital that you fit IP around your existing protection as you don’t want to pay for more insurance than you need.

For more info see income protectionincome protection insurance

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