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Lindsey Patterson

Assertive vs. Rude, What's the Difference?

3 min read

people sitting on chair in front of table while holding pens during daytime

Many people suffer from communication problems because they fear being assertive with others for excessive worry about being perceived as rude.


So, What is the Difference Between Being Assertive and Rude?


Being assertive is being clear and unapologetic about what you want or need in any kind of situation. And shy, bashful, introverted people, whether they personally emulate it or not, know that assertive people generally get much more out of life.


They get the dates from the girl, they approach the boss for a raise, and in sales they are not afraid to ask the customer to buy. Always being closed is the mantra of salesmen, and essentially, assertive people are most often closing in one way or another.


However, as much as assertiveness is a trait to be admired, it's far different than rudeness. When assertiveness crosses the border into rudeness, most of it's because the aggressor only cares for his own opinion, not for the opinion of others.


When you are assertive that doesn't mean that you don't respect the other persons feelings, thoughts and beliefs.


Also, being assertive is being practical. The late President Kennedy was very assertive in many areas of politics and world affairs. When he addressed the U.S. (and Soviet Premier Khrushchev on the Cuban Missile Crisis, there was no doubting his resolve.


Yet when Kennedy came up for election against vice president Richard Nixon, one of his abilities was to assess smaller objectives against greater issues. Kennedy wanted to get elected,


So, when he was nominated by the Democrats at the 1960 Democratic Convention on the first ballot, JFK choses Lyndon Johnson as his running mate even though the two had open animosity for one another.


However, Kennedy was more concerned with winning the election, and Johnson's deep support in the South meant more to him than their mutual animosity.


Many assertive people can learn a lot about finding the fine balance between being assertive and caring for their opponent’s feelings by going through helpful negotiations training.


Similarly, many people who are shy and introverted can learn a lot about how being clear and forthcoming about their objectives is appreciated in business negotiations. And pretty much everything in life is a negotiation of some kind.


Another key tactic for assertive people to learn, and it is why being assertive sometimes gets a bad name, is that assertive people sometimes do not recognize the right time and place to negotiate.


For example, if a person feels they deserve a raise and they have half a dozen points listed on paper why should they get that raise including how they have brought a certain amount of income to the company in the last 6 months or year because of sales or new clients. That's a great start.


What isn't a great start is hitting the boss for a raise at the company picnic, or an awards dinner where the boss is being named philanthropist of the year.


Timing and Circumstances Are As Important As Being Assertive


Also, politeness counts. Being assertive, whether in a job interview, or a sales presentation must be tempered with politeness and respect if you wish to be an effective communicator. Otherwise, it easily comes off as rudeness. 

Lindsey Patterson

Tips to Keep Increase and Maintain Your Sales

4 min read

person typing on MacBook Pro on brown wooden table during daytime photo

Even the best businesses fall into a rut, finding that their accumulation of new customers is reaching a standstill. While this is bound to happen, there's no rule that says you have to accept this as the new status quo. In fact, there are things you can do to attract new consumers and to renew interest in past customers.


Re-Examine Your Approach

Before we go any further, it might be wise to take a fresh look at your marketing approach to determine if it's working for you. If you're not offering a solution to a unique problem, that may have something to do with your slump in sales. It's not enough for your customers to want your product. You have to convince them that they need their product and the best way to do that is by advertising how your product or service solves a specific problem. 


And from an employee standpoint, you may want to hire a motivational keynote speaker to aid your employees on how they can be successful selling their product. 


Connect With Your Customer Base

If you've succeeded in business for any length of time, you know the importance of social media in marketing. Both consumers and businesses turn to these platforms, because it provides a way to bond. Consumers are looking for a more personalized experience with their favorite businesses, so the most successful companies are those that engage in the practice of customer loyalty clienteling. By providing a more personalized experience for each consumer, your customers will feel valued and that will encourage them to keep returning. Quality of service is just as important as the quality of your products.


Create a Buzz

Years ago, this meant spending money on advertising gimmicks meant to draw in local customers. Today, this can be done for free or for just a few bucks, while enabling you to reach consumers from around the globe. You can use social media to generate a buzz by sharing original content that appeals to users. If you can make an emotional connection, perhaps by relating your business or product to a heartwarming story, more people are likely to share that post. You can also pay for advertising on social media sites, which can generate web traffic to your site in a similar way.


Exploit a "National" Day

It's difficult to find a day that isn't celebrated for something, whether it's to raise awareness for a social issue (National Love Your Red Hair Day) or to celebrate a favorite food (National Pizza Day). You can use these as an excuse to host a special sale or giveaway, capitalizing on the day by relating it to your business. For example, supply free pizza slices to your customers on National Pizza Day. People love to celebrate, so this is a great way to generate a big crowd and boost sales.


Move Your Products Outdoors

The sidewalk sale gained popularity for a reason. People gathering in large crowds are both noticeable and intriguing. By moving your products out into your parking lot and maybe inviting a local radio station to broadcast the event, people driving by will be interested to learn more about the action. You'll gain visitors who were just driving by and those listening to the bustle on the radio broadcast. Just make sure to check the weather forecast, when planning your outdoor event.


Remember to be Social 

If you get on social media solely to push your products, you'll likely chase away users instead of attracting new consumers. People no longer go in for the hard sell. They want to feel like business owners have an interest in them and they want to see that businesses are interested in social issues. By engaging with others and replying to comments, you'll earn a better reputation and more users are likely to visit your page.



Pulling your business out of a slump requires a revitalized marketing campaign that seeks to connect with local consumers and compete in the online global marketplace. By engaging in traditional advertising ploys and connecting socially with online users, you can broaden your sphere of influence. While you may not see a change overnight, your persistence will pay off.

Lindsey Patterson

The Benefits of Cybersecurity to Businesses

3 min read

teal LED panel

When the word cybersecurity comes to mind, all one can think of is hackers. But what is cybersecurity? Cybersecurity is most discussed in a negative light; in terms of data breaches and laws against it. The benefits of cybersecurity to businesses is hardly ever mentioned. Effective cybersecurity systems make it possible for companies to launch new products, leading to better profit margins and growth.


Companies must have effective cybersecurity measures even as hackers get smarter and device new ways of compromising business systems. In this blog, we share some of the benefits of cybersecurity to small businesses.


Predict Cyber Threats

One of the critical functions of a sound cybersecurity system is detecting threats to the system in advance. The system should alert the cybersecurity officer when cybercriminals are targeting certain documents. A cybersecurity officer should also separate sensitive personal data belonging to staff and customers from non-sensitive information just in case they are compromised.


Block Cyber Threats

An efficient cybersecurity service will automatically block any threats to the system even before they advance further. Attackers are constantly finding new ways to commit fraud using business emails. There have been instances where clients received fake emails that appeared as legit emails. These emails from ‘senior staff members’ such as CEOs target finance officers who are often instructed to wire money to dubious accounts belonging to hackers. In 2018, the FBI released a public alert to caution businesses on the lookout for these attackers who had already swindled over 78,000 businesses and made it away with over $12 billion. These attackers make slight twitches in emails to create spoof email accounts that are almost identical to real emails. If a company has an efficient email filtering system, they will easily detect these fraudsters and prevent irredeemable losses.


Detect and Respond to Cyber Threats

Having a system that can predict cyber-attacks is great. However, these systems are human-made, and despite how great your systems can be, mishaps do happen, and attackers take advantage of these mishaps to attack networks. It is important to have a system that takes the next step to respond to these attacks by monitoring traffic.


Cybersecurity Services Save Money

A data breach will cost you huge amounts of money if it is successful besides losing hundreds or thousands of dollars. You will have to spend thousands tracking the money and, in most cases, might not recover it as cybercriminals are very smart when it comes to covering their tracks. You will spend money hiring lawyers, auditing, explaining and compensating victims, and much more. Investing in a cybersecurity service will cost you a tiny fraction of the money you could potentially lose if compromised by attackers. An effective cybersecurity system will save all the trouble and a lot of money.


A Consolidated Solution

A comprehensive security system will protect the network from a wide range of issues. It should be able to support your IT team by protecting from spam, viruses, wireless security, and filtration. A great security system will empower your team to confidently handle any attacks without fear that the system might go down any minute.


Final Words


Any business that operates on a network, which is pretty much every business today, needs an effective cybersecurity system. Attackers are working tirelessly to steal information and, more importantly, money from businesses. It is important to protect your business as a cybersecurity breach can cost you money and your reputation. 


Lindsey Patterson

Tips to Having a Beautiful Lawn

3 min read

tilt shift lens photo of leaf


Every homeowner dreams of having the best lawn in the neighbourhood. This is not easy as there are a lot of engagements that come with maintaining and keeping your lawn as pleasant as possible. In recent days, many people have opted to turn to a lawn care service company, who have proven to be the best at their work. Due to professionalism and high standards of their work, they have proven the beauty restoration dream come true to many households. The following are the tips of having a beautiful lawn that everyone will be talking about.


Lawn Care


If you want your grass to look deep green and healthy, this is a must-do thing for your lawn. Most people like introducing lawn in the areas that are mostly used. In these areas, people and pets are moving around, and they get the soil compacted, and there is no room for air to circulate in the green grass. Compacted soil has poor water drainage and very bad in nutrients absorption. To make sure that your lawn makes use of proper nutrients and drainage, the best solution is to aerate your lawn. With regular practicing of aeration, you will be assured of a proper grass that is beautiful and healthy.


Water Your Lawn Deeply and Less Often


This is another aspect that is very important for the growth of your grass. Having your lawn watered for a few minutes daily will not be doing an excellent service for your lawn because the root does not get enough water by doing this. For better health of your lawn watering deep, the roots for a less frequent period will ensure that your lawn is green enough to maintain water even the dry period and maintain its green look all year round. On the other side, you should not water a lot frequently as it will make the soil weak and saturated will be hindering the growth of the lawn by hindering the proper circulation of air and nutrients.


Utilize Natural Lawn Fertilizers


When it is about fertilizers, it is good to use the recommended lawn fertilizer, which is designed for lawn use. This is because natural will always be the best whenever compared by the synthetic. Many types of research have shown that natural fertilizer gives the lawn a more natural greener look than the synthetic in a big way. Natural fertilizers also come with beneficial soil worms that participate in nitrogen conversion and decomposition of manure, which is essential in adding nutrients to the lawn.


Use Your Kitchen and Garden Compost


One of the best ways to keep your grass looking healthy all year long is the application of the kitchen and manure wasted that add nutrients to the soil. You will benefit your lawn in many ways including improvement of water drainage, stimulation of growth due to slow release of nutrients, counter soil-borne diseases, prevention of soil erosion, your soil will have a balanced Ph level, and definitely, compost will attract worms and other organisms that will benefit your lawn.


With these main points and more, a beautiful lawn is not an overnight work. There is a lot of work involved, which, when you contract lawn service providers, will see your lawn being transformed with also a guarantee of maintaining the good-looking lawn. Ensure that you apply these guidelines for a healthier and a good-looking lawn. 

Lindsey Patterson

Avoid Procrastination When It Comes To Investing

3 min read

Investing is a concept that gets highlighted a lot by financial gurus. They talk about the need for investing right now. This is what makes the big difference in the long run. Those that take heed to the need to invest in the early stages of their lives will find it much easier to build a portfolio that grows well into their retirement years.


Compound Interest For the Long Haul


One of the big things that people realize is that compound interest is going to play a big part in the money that is gained from investing. People that are looking at the market when it is in a recession will find if there are a lot of common stocks that are going to go up in value when the economy makes a return to normal. The world of Bahrain economics puts a huge focus on gas and oil. These are industries that are going to provide a great return on investment. There is a large amount of compound interest to be gained when people pay attention to stocks that are part of this industry.




Even those companies that are not getting great returns on investments may still be worthwhile purchases because of dividends. People that wait until they are more secure about the stock market are missing out on all the dividends that they could be reaping while they are trying to figure things out.


It is better to gain a little knowledge on investing and go ahead with plans to build a portfolio. Those that wait for the right time to get educated on every single aspect of investing are going to be missing out on dividends that they could be getting from a plethora of different stocks. These dividends are payments that are additional earnings to the compound interest from the returns on these investments.


Trial and Error


What most people quickly learn is that there are no right or wrong ways when it comes to building an investment. There is no straight and narrow path to building the perfect portfolio. It is all trial and error. This is why diversification is so important. People that start investing early have the ability to go through the trial and error portion of the investing process. They get time to build up their confidence in investing because they have already found the things that do not work. This gives them more time before they retire to gain focus on those concepts that are going to work for their portfolio.


Learning On the Go

Another thing about investing right now is the learning that is gained from what they are investing on the go. People can explore a ton of different options, but nothing works better than learning about things in the midst of the action.


Investors have a ton of different personality traits. Some people are interested in mutual funds. Others may have ETF and buns in their line of view. People that are learning on the go or going to have a much better outlook on how they can invest and balance out some of the cheap stocks with some of the more expensive stocks.


A lot of people are waiting to get to a level where they are at their comfort zone for investing. It is better, however, to learn on the go and make adjustments as needed.

Lindsey Patterson

5 Secrets to Looking Cute and Staying Comfy As a New Mom

3 min read


You don't have to give up your fashion sense when you have a new baby on your arm. Mommy style can be interesting and fun without adding extra stress to your life. Comfortable, airy fabrics and baby-safe accessories are the mainstays of mom fashion. There's lots of room for creative expression as you explore your new life as a mother. Don't be afraid to step out of your style comfort zone without making yourself too uncomfortable in the early months. These tips will help you prepare the ideal mommy wardrobe that will carry you seamlessly from stressful sleepless nights to long days full of discovery with your new baby. Incorporate these ideas with your own flair:

Carry On

As a new mom, your bag is your best fashion friend. A large tote is chic but also necessary to hold everything you and your baby need. Because the diaper bag will become an essential accessory in your wardrobe, it should be something you feel proud to carry around. An elegant black or gray satchel will match any pattern or color you wear, and the dark color is mess-resistant. Adjustable straps allow you to wear the bag as a purse or a backpack. 

Try Some Heavy Metal

Babies' boundless curiosity is a joy to witness. But it also means they will grab, tug, and taste everything within reach. A new mom's earrings and necklace aren't safe when she's carrying her little one. There's the danger of baby ripping out dangling earrings, and the choking hazard of small pieces like gemstones and charms. Luckily, it's still possible to accessorize. Try a stack of matching bangles in your metal of choice: gold, silver, or bronze. Matching rings add a touch of glam and are too tight for baby removal. According to your style, you can even add a matching anklet or metal headband. Monochromatic jewelry is a subtle way to make your outfit look luxurious. 

Be a Good Sport

Over the past couple of years, fashionistas have incorporated a new term into the style lexicon: "athleisure.” A portmanteau of athletic and leisure, the trend translates gym wear into everyday clothing. For new moms, sporty materials provide comfort. Trade in your jeans for faux-leather leggings and joggers. Flats and heels can put a lot of strain on your feet. Choose trendy white leather sneakers that go with just about everything. 

Bundle Up

Cardigans are an enduring fashion trend. They transform a minimalist outfit into a chic, layered ensemble. For new moms, the open sweaters are both flattering and functional. They glide over post-baby curves and provide a barrier between baby messes and mom's clean shirt. Mothers who breastfeed can use a cardigan to shield their babies while nursing. A cardigan is a comfy, cozy addition to a new mom's fall/winter wardrobe. They come in many different lengths and cuts to suit different body shapes. 

All In One

A 2016 survey found that 43% of new parents (with babies 0-6 months old) only get 1-3 hours of sleep per night. Only 5% get the recommended 8 hours. It can be difficult to look put together when you're feeling exhausted. In the early months, it can be a hassle to search around for a clean, suitable top and bottom every morning. That's where the one-piece outfit comes in. A maxi dress is light and breathable during the hot months. Rompers offer fun patterns and breezy fabrics, ideal for a weekend play date. And for the working mom, a jumpsuit cuts a sleek, sophisticated figure. One-piece mom-sembles eliminate hassle while creating a stylish silhouette.


Lindsey Patterson

Keeping Insects Away From Your Shed and Yard

4 min read

beige house

Keeping your backyard and shed bug-free is not easy, but that doesn't mean it cannot be done. Some bugs are not only invasive; they could pose a danger to you, your family, and your pets. The following are some preliminary actions you can take to keep your property bug-free.


Sensor Lights Option


One thing that attracts insects and other lifeforms to your yard or shed is light. Now, you are going to need light in your shed and backyard, but it is better to have lights that come on automatically.


Sensor lights or smart lights can turn on when they sense movement and turn off when you leave the backyard or shed. This reduces the chances of attracting more bugs or critters to your yard. It should also be pointed out that sensor lights can deter would-be criminals, who might get scared the moment strong lights are flashed in their face.


Calling In the Pros


Perhaps one of the most obvious ways to keep bugs and critters under control is to make sure you give professionals an opportunity to deal with them. These individuals are going to inspect your yard and shed to find weaknesses that bugs can exploit.


There are many reasons bugs might be attracted to your yard, like the one just mentioned, but there are other things, like leaving rotted leaves on the ground, so make sure you keep that in mind. Be sure not to hesitate if you notice harmful insects in your backyard, like ticks, which could cause your family to get sick. Allow professionals to deal with this issue by looking for tick and bug control near me in your search engine.


Develop a Mowing Habit


It is important that you maintain your lawn, and mow it regularly. Tall grass is attractive to many insects and critters. Fire ants, ticks, and other living creatures love tall grass because it protects them from predators and gives them nourishment.


Tall grass also helps protect insects from sunlight when the heat gets too intense. Now, no one is saying the grass should be cut too short because that may promote the growth of weeds; just make sure your grass doesn't get too tall. Those who do not have the time to mow the lawn themselves should hire a professional lawn care service to make sure it gets done regularly.


Standing Water Woes


Most insects and critters need water to live and are going to seek it out at some point. Running water is not necessarily the kind of water these living creatures want because it is too unstable for them, but standing water will definitely attract insects.


Mosquitos use standing water to breed and give birth. Other living creatures come to drink water, and their predators come for them if there are enough in your backyard or shed. You want to make sure all standing water is removed and that your pool is properly covered when it is not going to be in use.


Flip the Mulch


Mulch can look beautiful at times, but this organic material can also attract insects and critters. Organic materials, such as mulch, is what insects and other critters use to build their nests and sometimes their homes.


You can prevent this from happening by making sure you flip the mulch from time to time. All you need is a rake and some good gloves to protect you hands while flipping the mulch in your backyard. Flipping the mulch makes it harder for insects and critters to use the organic material.


These are just some tips you should consider if you are serious about keeping your backyard and shed pest-free. Of course, you could also talk to your pest specialist to see if he or she has additional tips.             

Lindsey Patterson

The Internet and Medicine

4 min read

person using MacBook Pro

Nearly every single market and aspect of society have become intertwined with the internet today. Medicine and pharmaceuticals are no different. Today, people can order medicine online, refill prescriptions, receive diagnosis and even download discounts for the medicines they need. The internet has become the basis for home medical processes and access to medicine. And with a decent internet connection and apn, you can easily use the internet to do some research. If you’re wondering what is an apn, check out the following site that explains it in simple terms. 


The following are just a few of the wide variety of ways that the internet is transforming the world of medicine.


Home Delivery Services


By using the internet to buy and order medicine, patients can have their prescription drugs delivered directly to their doorsteps, without even leaving the house. This is especially beneficial to sufferers of illnesses that render them bedridden and house-bound. Debilitated patients no longer have to visit doctors and go to drug stores and pharmacies to procure the medicine they need. Prescription medicine is but a click away, with certain online sites. 


Online Discounts


Websites are doing their due diligence by providing patients with affordable discounts for medicines that would, otherwise, be too expensive for customers to actually buy. As the price of pharmaceuticals sky-rockets, not only in the United States but internationally, patients are finding it harder and harder to attain the medicines they need to heal and treat their diseases and disorders. Various websites have come to the rescue, offering codes and coupons to use to get a much lower price for medicines. Some sites, like Reddit, will even offer to buy patients' medicine for them, making it free, as opposed to simply cheaper. Forums. like r/assistance and r/vagabond, witness a sense of community that is ready to help its members, especially when they can't seem to afford the help they so desperately need.


Internet Diagnosis


While sites like Wikipedia and WebMD should never be used by anyone to self-diagnose any mental or physical illness, doctors are currently using web-chatting technology to help diagnose illnesses. While the world is still a ways off from perfecting these techniques of diagnosis, patients can now connect with professionals and qualified doctors to receive review and diagnosis of their ailments from the privacy and comfort of their own homes. If you have something small you would like to be evaluated by a doctor, like a rash or other skin condition, it is perfectly plausible to consult a doctor over the internet. However, if there is an emergency or some sort of internal disease at hand, nothing can supplement the physical care of a medical professional.




In today's increasingly technological and virtual world, the internet dominates almost every industry and facet of human life. We have become more connected than we, as people, ever dreamed before. Medical advances have picked up on this trend, moving patient care to the internet in a variety of ways. Patients can now visit a doctor's office simply by opening up their laptops or tablets and accessing the internet. The internet provides a plethora of help to patients trying to attain the medicines they need and seeking proper diagnosis. Sufferers who are unable to leave their homes, for whatever reason, now have less to worry about, as medicine can be delivered directly to their doors and doctors can be easily contacted for treatment tips, diagnosis, and advice on treating various conditions. 


While there are still flaws to these medical advances, the internet has opened many doors of opportunities for patients and professionals alike. In the future, perhaps patients will no longer spend long hours in hospital waiting lines and doctor's office lobbies. Echoing the golden days of house-calls and doctors visiting patients' homes, the internet provides a certain level of care, in its own right.

Lindsey Patterson

6 Surprisingly Good Investment Opportunities That Provide Positive Returns

4 min read

person holding silver iPhone 6

Do you hope to steer off the conventional way of thinking that has limited most individuals' understanding of investment to just the money markets and real estate? Consider opening your mind up to exciting opportunities that don’t call for massive investments, like the popular foreign direct investment. Ideally, most of these ventures only need a small capital injection, personal effort, a fair deal of patience to watch them blossom and tear into profitability. If well taken care of, these investments in a less competitive industry can overtake the most sought after real estate and money market investments in terms of return on investments. These surprisingly good investments include: 


1. Invest In a Robo-Advisor 

Are you incredibly busy pursuing a career or other aspects of life but still want to make a decent passive income out of your savings? Invest in a robo-advisor. This refers to a digital investment platform that invests your money into different mutual funds. In this case, how much you make from a robo-advisor solely depends on your initial investment, your risk tolerance levels, and chosen portfolio. 


2. Redistribute Entertainment Merchandise 

Almost every movie blockbuster being released today provides the market with more than just a new story. It also brings in a new culture by selling the merchandise associated with the characters. This entertainment industry niche is fast growing, and you might be surprised at how fast some of the popular merchandise sells. 


You only have to learn how to spot popular brands like the spider Gwen figure, an adaptation of the Spiderman films and capitalize on its distribution. The investment is also pretty solid considering the fact that the entertainment industry is here to stay. 


3. Peer-to-Peer Lending 

The last thing you need is lending to friends and charging them interest. While this business idea may seem tempting, lending to friends and colleagues continually features on the list of factors prompting disrespect among friends. Peer-to-peer lending platforms have, however, made this easier by connecting lenders to borrowers online. You get to invest your share of capital to a system that lends this sum to borrowers who then pay it back with interest. Interestingly, you can invest from as low as $25. 


4. Invest in an Online Course 

For centuries scholars have hailed investing in oneself as the biggest investment one can ever make. But this doesn’t necessarily refer to getting back to class. The proliferation of online programs both for free and at ridiculously subsidized rates grants you the freedom to learn numerous life-enhancing courses. 


Consider investing in one course that you can convert into a profit-making business such as writing computer programs, learning virtual assistant skills, or even knitting. A course that equips you with employable skills and gives you an edge over the competition in the employment industry should also fall in the investment category. 


5. Invest in High-Yield Savings Accounts 

Most individuals always have their money and even savings lying around current accounts even when they don’t hope to use the funds in the foreseeable future. And while this cautions them against extravagance spending, it doesn’t help that these accounts don’t earn them an income. Save your money in a high-yield savings account and earn interest. While most have a minimum saving amount of $100, they are free to open and are covered by the FDIC insurance. 


6. Settle Your Debts 

Have you ever considered paying up your debts as an investment? Ideally, the money you borrow often costs you interest. Settling your debt today instead of waiting for the loan to become due either eliminates the interest charges or lowers it significantly in the case of compounded interest. Therefore, how much you save in terms of future interests by settling a debt can be categorized as the returns for the money spent. 


Bottom Line 

The general rule of the thumb in the world of finance is that how much you earn from an investment depends on your stake. A little effort and patience, however, go a long way in altering these natural laws and guaranteeing more meaningful returns on any investment.

Lindsey Patterson

5 Simple and Effective Ways to Save More Money

4 min read

The 8 Simplest Ways You Can Save Money Without Feeling Deprived

The first step in improving your personal finances is finding ways to save back more money than you currently do. This extra money can be set back for unexpected expenses or invested to generate additional income for you. Many people, however, struggle to find ways to save money in their daily lives. Fortunately, with a little creativity and some planning like learning about the effective infinite banking concept, there are almost innumerable ways to manage this. Here are five of the simplest and most effective ways for you to tighten your budget and build your savings. 


Switch From Name Brands to Generics


Whenever you buy groceries, consumable goods or practically any other common product, there's a good chance you're overpaying. This is because most people pay a premium price for name brands, even though their generic equivalents are just as good. Most generic products are up to 30% cheaper than name brand counterparts, so making the switch to generics can help you save a substantial amount of money compared to your current expenditures. 


Pay Off Your Existing Debts


If you carry credit card debt, a car loan or even student loans, you're paying interest that could be put to better use in your savings or investment account. Try to pay down your debts as quickly as you can, since this will prevent you from having to make the maximum interest payments over time. Though this approach to saving will require you to put out more money in the short term, it will produce considerable savings in the long run. 


Cut Out Restaurant Meals


Even if you only go out to eat once a week, the expense involved in going to restaurants can add up over months or years. For instance, if you go out to a mid-priced restaurant once a week, you might spend $30 for dinner, a couple of drinks and a tip for your server. Extrapolated out over the year, that seemingly small weekly expense would amount to $1,560. Avoid restaurants as much as possible, and you can see remarkable increases in your savings over time. 


Take Advantage Of Available Tax Credits


When tax time comes around, you might be surprised at just how many tax credits you could be eligible for. From the EITC for low-income families to the solar tax credit for people who power their homes with solar panels, federal and state tax agencies make many different types of credits available. Find out what you're eligible for, and you could easily reduce your tax bill. 


Keep Your Old Car As Long As Possible


Buying a new car when your old one is looking worn out can be very tempting, but it's a temptation you should resist if you want to improve your financial well-being. Keeping your old car is an easy way to avoid new debt and delay the expense of making a down payment. Even if your old vehicle needs routine maintenance more frequently, it's likely still less expensive than actually purchasing a new one. The longer you can keep the old one going, the better off you will be. 


The Overall Takeaway


By using these simple tips, you can reduce your cost of living, build up your savings and prepare yourself for any financial challenges life may throw at you. Once you have enough money saved to cover emergencies, you can even start investing the extra money you aren't spending, thereby increasing the amount of income you generate each year. Remember that saving money will require building long-term habits. By taking small steps now, you can begin to develop habits and ways of thinking that will improve your finances for the rest of your life.