How to Travel Cheap On Bus and Train

transportI don’t use public transportation all that often, but when I do need to take the bus or train, I can’t help but notice how expensive itls become. Using public transportation may be unavoidable if you don’t have any alternative means of getting from one specific place to another, but there are some ways that you can make it more affordable. Here are a few ideas to save money when using buses and trains.

Bus Fares

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Making Your Own Green Skincare Products

an avocado Are you tired of spending a ton of money on skincare products? Making your own beauty products is a great way to save money, and it has the added bonus of being greener than most shop-bought offerings. Most of the ingredients that you’ll need are probably already in your cupboards, but they are inexpensive if you don’t already have them.

Cleansers/Toners/Spot Treatments

There’s no need to buy expensive skincare products to take care of your skin. Natural cleansers, toners and facial scrubs can work very well and don’t contain harsh chemicals.

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How to Go on Dates for Less

romantic dinnerDating can be costly, but don’t let this put you off, because it’s more than possible to have great dates without breaking the bank. We often fall into the trap that we can’t have fun with our significant other without spending a bunch of money, but that’s simply not true. Whether you’re on the hunt for your perfect partner or are looking to inject some romance into an existing relationship, here are some ideas for dating on a budget.

Dinner Dates

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How to Get Cheaper Entertainment Without a Cable Subscription

DVDsFollowing my post about getting music downloads for less, I’ve been thinking about how to cut entertainment costs in general. If you’ve had to tighten your belt recently, luxuries like a cable subscription were probably one of the first things to be dropped. Entertainment costs can quickly become excessive, but you don’t need to spend lots of money to have a good time. Here are some ways that you can get cheaper entertainment without having to sign up for cable again.


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Tax Preparation Tips for the Self-Employed

income taxIf you are self-employed, your tax situation will be different than that of someone who is an employee. Preparing self-employed taxes can be a bit of a minefield, but you can reduce your tax bill by taking advantage of deductions. Here are some tips for preparing for your self-employment taxes.

1. Keep on top of your paperwork

If you’re self-employed, you’re responsible for keeping your own records, especially your income and expenses.  To take advantage of tax deductions, you’ll need to keep hold of all relevant receipts in case you’re selected for an IRS audit.

2. Decide how you’ll pay

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How to Build an Emergency Fund on an Irregular Income

moneysavingYou know the importance of building a solid emergency fund as a financial cushion if things go wrong, but this can be even more important if you’re self-employed, because you can’t rely on a fixed paycheck every month and may need to fall back on savings to make ends meet on bad months. Because of this, it can be very challenging to build a decent emergency fund if you don’t earn a regular income. For example, your clients may not pay their invoices on time or you may struggle to find enough work just to meet your monthly bills, leaving nothing left over for boosting the emergency fund. Here are some tips for creating an emergency fund if you can’t rely on a fixed income every month.

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10 Ways to Get a Cheaper Honeymoon

Honeymoon couple relaxing on the beach
After the wedding is over, most couples choose to go on a honeymoon to celebrate their new marriage. Unfortunately, once you’ve covered the wedding costs, there may not be much left over to pay for a nice honeymoon. If you find that your honeymoon funds are going to be on the limited side, you don’t need to ditch your plans altogether. But, you will need to do some serious shopping around to get the most out of your budget and alter some of your original ideas as a result. Here are 10 ways to cut the costs and still have a honeymoon to remember!

  1. Use a honeymoon gift registry website. It’s traditional to sign up for a wedding list when you get married, but the usual home goods might be redundant if you’ve already set up your home and don’t need these kind of items. Why not sign up for a honeymoon gift registry instead? This works like a wedding list, but it gives your wedding guests the chance to literally pay for a specific part of your honeymoon, such as a candlelit dinner in a posh restaurant or excursions. If you’ve got enough generous gifts, you might even get a significant proportion of your honeymoon paid for in this way, and it lets your guests make a more personal contribution to the trip.

3 Simple and Effective Ways To Reduce Your Debt

When you’re in debt, it feels like you’ll never clear the outstanding balance and get back to normal.  While you’re never going to make a really big dent in your debt without making large payments towards it, there are some smaller baby steps that you can take to start reducing your debt without completely depleting your bank account in the process.  Here are three tips for tackling your debt and getting used to making regular debt-busting contributions to the outstanding balance.

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What to Do When You Can’t Pay IRS Tax Debts

If you receive a tax bill for more than you anticipated, your first instinct is to panic. Of all of the people to whom you could potentially owe money to, the dreaded IRS is one of the most terrifying.  They will expect to be prioritized above other debts, because they have powers that other credit lenders do not have.  Here are some options for facing up to the situation and finding the extra money to pay off the debt.

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