5 Ways to Save Money at Disneyland

A trip to Disneyland with your friends or family can be very expensive. For adults, Disneyland can bring back childhood memories and for children, it is an experience of the lifetime. But this experience is becoming more precious with time. To save money on a trip to Disneyland you need to be fully prepared from advance.

Here are 6 ways to save money at Disneyland and have a great time with your friends or family members.

1.  Get Disneyland discount tickets

There are websites like getawaytoday.com that offer adult tickets to Disneyland at children’s prices. It makes no sense to pay full price when you can buy the same ticket for half its price.  Another way to save money at Disneyland is by buying a 5-day ticket instead of a single day pass. The 5-day ticket is very cheap and you get to spend more time in this amazing place.

2. Consider eating outside the Disneyland

food stuff

Food inside Disneyland is far more expensive than it is in the restaurants outside. Also, some hotels offer complimentary breakfast for their guests. So, you literally can spend zero dollars on breakfast. Avoid the Disney-owned hotels in and around Disneyland. They charge a lot more than non-Disney owned hotels.

3. Visit during the offseason

Visiting during the offseason is by far the best strategy to save money on your Disneyland trip. The offseason starts from January and ends in May of every year. These five months quite dull compared to the other time of the year but it will cost you a lot less. There are fewer shows during the offseason but there are some offseason special shows that will definitely make up for your loss.

4. Travel by Uber cabs

uber cabs

If you are flying to Anaheim, California from your home town, you don’t have to spend hundreds of dollars on renting a car. You can opt for a taxi service such as Uber to take you from the airport to your hotel and hotel to Disneyland. Plus there are some free shuttle services run by the hotels nearly. Just hop into one of these free shuttles. You don’t need to be staying at their hotel.

5. Buy the Disneyland Flex Pass

If you like visiting during the high traffic days and still want to save money, you should consider getting a Disneyland Flex Pass. The Flex Pass allows you to get a reservation on days that are usually busy. The Flax Pass will cost you $599 a year and will get you access to Disneyland and Disney California venture parks. You can make a reservation with Disneyland mobile app or their website.

Conclusion

Make sure you are clear about your budget before you book your tickets to Disneyland. Having a budget will give you the freedom to spend on things that are necessary and also work as an alert before you splash your cash on expensive souvenirs and dinners.

Make These DIY Spring Cleaning Products and Save Money

Spring is here – officially – and with it comes that odd compulsion to clean; the house, the garage, or even the back yard. While a lot of people will be engaging in the traditional ritual this year utilizing some of the most advanced technology and expensive cleaning products available, the rest of us will have to make do getting those chores done on a budget. We can get things done on a budget, and today we’re going to show you how to save some quick money while still accomplishing that all important spring cleaning task.

Save money

Make Your Cleaning Products to Save Money

First and foremost in the money-saving category is making your cleaning products. Believe it or not, most of your typical household cleaning products are just a mix of stuff you can get at the store and for much less than you’d spend on whatever product you intended to use. And while we’re at it, there’s a mystery that’s been bugging us for quite some time now, and perhaps you can help us out with it (feel free to leave answers in the comments section below). Ready? Here’s the mystery: why is it that the more products become “natural”, the more expensive they are? Does that seem right to you?

You can find a lot of resources on the internet that will give you plenty of recipes for making your solutions which will get rid of those grease stains just as quickly as any brand name product will.

Here are some examples (please note that mixing chemicals in your home can be hazardous and we highly recommend using every precaution necessary, including and especially working in a well-ventilated area).

DIY All-Purpose Cleaner

Got hard water stains, dirty trash cans or just general smudgy countertops? Mix one part white vinegar, one part water, some lemon rind, and rosemary sprigs. Mix everything in a spray bottle and let it sit for a week. Then feel free to tackle those problem areas we just mentioned. Make sure the vinegar and water are measured equally and use as much lemon rind and rosemary as you deem necessary.

Notice anything missing from this recipe? That’s right, no chemicals! If you breathe in too much vinegar fumes, your face may contort to the point where you might look like you just ate a lemon, but that’s probably the worst that can happen. The spray bottle will cost a buck or two at most, while the rest of the ingredients cost half that amount.

DIY Household Scrubber

Want another recipe? Try this one:

1 quart of warm water.

4 tablespoons of baking soda.

And…that’s it. Mix and go after those dirty kitchen counters, ovens, the inside of your refrigerator or the dirty surfaces of other appliances. The next time you’re at the store, take a look at the ingredients on that household scrubbing product (you know the one; it’s green and powdery) and note all the chemicals contained in just that one product vs. using baking soda to get your cleaning done. It’s a less hazardous option.

DIY Glass Cleaner

Here’s a simple recipe for glass cleaner that you can make for less than the price of brand name products. This one is completely natural while other glass cleaners are stuffed full of chemicals: 2 cups of water, ½ cup of white or cider vinegar, ¼ quarter cup of rubbing alcohol that’s rated at 70% solution, and a drop or two of essential oil if you have any of that lying around the house. If you don’t have the oil, don’t worry, it’s just for giving your homemade cleaner a fresh scent. Mix everything in a spray bottle (and you don’t even halve to let it sit for a week this time). The only catch to using this particular glass cleaner is that it’s not a good idea to use on a warm glass surface, as it will dry quickly and leave streaks. If you’re going to use it to clean a mirror, spray some on a paper towel or cloth first and then wipe down the mirror.

DIY Brass Cleaner

Do you know what tends to be expensive in the cleaning product department? Brass cleaners. If you’ve got brass items or fixtures in your home that need a good cleaning or polishing then do this: mix white vinegar or lemon juice with ordinary table salt. It’ll be a natural process if you do it this way: dampen a sponge or cloth with the lemon juice, then sprinkle the salt across the moistened surface. This will help clean as well as polish all that brass you haven’t gotten around to cleaning because the price on the polish was a bit prohibitive. You’re welcome.

DIY Water Ring Remover

Having trouble with those pesky water rings? Mix an equal part of non-gel white toothpaste with baking soda and go to town (though you can’t use on lacquer, unfinished wood or antiques). Once again, this easy to make cleaner is just as valid as those spendy “all natural” cleaners at the store and won’t even cost you more than a couple of bucks. Again, make sure you don’t use it on unfinished wood, antiques or lacquered surfaces because it may cause some minor damage, but for all those other places where you’ve got water ring stains, this effective cleaner should do the trick nicely.

DIY Mold Cleaner

One more aspect of spring cleaning that many people either forget to deal with or don’t because they can’t see it, and that’s mold. Check every area of your house for mold every spring (best to do this after the rainy season has finished). Mold can cause serious health issues and lead to long term health issues. But here’s a solution (no pun intended…well, maybe a little intended) for mold that won’t cost you too much.

You know Hydrogen Peroxide is an anti-bacterial solution, but it kills mold on bathroom and kitchen surfaces. You can fill a spray bottle with household hydrogen peroxide (3%). Spray the surface with mold on it and give it about 10 minutes to set in. Scrub and remove the mold and stains. Wipe clean to get all the residual mold and spores.

3 Stages of Retirement Planning for Entrepreneurs

Retirement planning

Entrepreneurs are generally those people who have to plan for their retirement on their own since their self employed. So it is of prime importance to give yourself time to think and plan about the ways in which you can make your investment to last for your retirement. And if someone who has already planed one then you can look up for ways in which you can maximize it and thus get ahead of the game.

Here are the three stages ff retirement planning if you are an entrepreneur

Stage 1- The early stage

This is usually the most overwhelming part of your journey and thinking about the retirement plan could be the last thing in your mind. But as it is said ‘the sooner the better’. So start saving up some money from your early stage onwards. Now you can start investing in your own company but considered to have a broader range of options. You can also invest some amount of your saving in the stock market. And on top of it know the best investment strategy that would suit your conditions, considering talking to a trusted financial advisor. He will guide you the ways in which you can invest you money and the plans that will be most suitable for you.

Stage 2- The middle stage

As you enter this stage you become a little more aware of the financial market and of courses a lot more experienced than what you used to be before.mid stage usually comes after you have been self employed for almost 10 to 15 years now. So if you have started investing already well that’s quite a good thing. But if you still haven’t trust it still isn’t too late. You may start prepping for your retirement plans by considering a few self awareness question like for how long would you want to continues this job or will be you selling your business in future or not? Then you can start reviewing your assets and find ways in which you can invest in your retirement plans. Also since savings is an important aspect you need to start saving as much as you can and always try to maximize it. Also the type of account that you choose for investing will eventually determine the limit of your contribution. So take your decisions wisely.

Stage 3- The late stage

This is that stage where you need to be a lot more attentive because this will be the last stage of yourself employment.  Here you may either consider selling your business or to pass it along to your family or friends. Although it looks quite obvious that selling your business will earn you enough to have a solid retirement plan, but this may not always be the case. This is the time to have your personal debts minimized and diversify your investments so that you can have overall a strong portfolio.

Thus by in all the three different stages there are different strategies to build up a solid retirement plan. But is it always advisable to start early.

Tips to Increase your Savings

Saving

No matter how much income do you have, it would always seem low. Then the only option that is left with you is saving. Saving is an art and it can take years to master it. It is not just the regular task that you can do. But once you learn it, you can do that very efficiently. Here are the few tips by which you can get the most savings out of your income.

  • Keep a track of your expenses

The first thing that you have to do and learn is to keep a track of the money. If you don’t know where your money is going, how would you save? Seeing the flow of the money is the first thing that you should do. The benefit of seeing the money flow is that you would be able to keep a track of the money. You can analyze the fact that what re the irrelevant things where the money is going. For example, spending a little amount everyday doesn’t seem much but when you get the yearly report of that spent money, you get shocked by the amount of the money that you have spoilt. There are a lot of ways by which you can keep the track of the money. You can download a money management application on which you can load your daily expenditure. You can also maintain a diary, in which you can write all the expenditures.

  • Cutting irrelevant expenses

When you get a weekly or monthly report of your expenditure, you can now see the amount spent on the irrelevant expenses. If you don’t see television and still have a cable connection. You can cut the connection. There are a lot of on the go apps on which you can watch your favorite shows. By cutting these expenses, you would be able to save more. Also, if you dine out more frequently, then you should eat at home cutting these expenses.

  • Acting smart

There are a lot of free alternatives for a particular thing. Take the example of a newspaper. When you can read the newspaper online, why to pay for that? You can easily go to the website of the newspaper and read it there. By acting like this, you can save yourself a lot. See the things like these and then switch to the free mode.

  • Move to a smaller house

If you live in a mansion like a house, then you should move into a smaller home. This would add a lot of benefits to you. Moving to a smaller house wouldn’t affect your facilities but you would get lesser space. You can see your extra stuff and you can sell that online. This would add up a great benefit to you as you would be saving a lot monthly. You can invest this money into something and buy your own house.

These simple things mentioned above wouldn’t affect your life much but would add up a great benefit to you.

5 Ways You Can Save On A Budget

Saving extra cash on a small budget can seem impossible when you’ve never done it before. But like any new skill, all you need is time, patience, and dedication to learn how it’s done. Think of budgeting like riding a bike. At first, you’ll need the support of some training wheels, but once you have some experience behind the handlebars of your budget, saving will become second nature to you.

Start your saving journey with this guide. It outlines five easy ways to save— no matter how small your budget is.

Save on budget

1. Take a second look at your budget

A budget should never be a thing you let rot somewhere in a hidden folder on your desktop. You should check in with it often, and update it as changes to your income or expenses happen.

When you take the time to review your budget often, you’ll become familiar with your spending habits. Regular expenses on things you don’t need drain your bank account of money. Once you eliminate them from your routine, you can put this cash into a savings account.

If you’re having trouble finding these patterns in your spending on your own, you can use a money management app like Mint to help. It keeps track of your cash for you and sends notifications when you’re overspending. After a couple of weeks, it’s able to analyze your spending habits, and it uses its findings to send personalized savings tips.

2. Automate your finances

From the posts you see on your Facebook feed to the Starbucks chatbot that lets you pre-order your latte, so many of the services you use in your daily life are already automated. You might as well embrace what automation can do for your savings.

It can be hard to commit to a regular savings schedule. All that cash sitting in your account calls your name, begging for you to spend it. If you can’t resist the urge to spend money you’ve devoted to savings, automating these contributions can take it out of your hands.

You should try setting up an automatic transfer between your checking to your savings on your payday, or see if your employer’s payroll department can split your paycheck deposit between different accounts. It’s hard to spend cash that was never there to begin with, so this helps prevent overspending.

3. Be goal-minded

Saving without direction is risky. It’s hard to commit to anything if you don’t understand how you stand to benefit, so make sure you attach a goal to any savings. You should choose something that will remind you of why you’re cutting out those fun but ultimately unnecessary purchases from step one above. Whether it’s an emergency fund or new shoes fund, this label can help you keep your focus and avoid spending money on other things.

4. Choose financial services wisely

Traditional banking rarely benefits people on a small budget. Conventional bank accounts come with terms and conditions that include expensive monthly fees, overdraft charges, and minimum balances. A lot of the times, these charges are hidden in complex financial legalese that only serves to confuse the average customer. While the biggest retail banks like Citibank and Bank of America are the most popular ways to save your money, they aren’t the only ways. There are alternatives companies that offer no-fee checking accounts and simple personal loans online.

Mobile banks like Chime don’t have any physical storefront, and the money they’ve saved in overhead means they can offer free accounts with no minimum balance. Likewise, a lender like MoneyKey does their lending online. They offer fast payday loans online that are uncomplicated and easy to understand. Clarity is essential when you’re searching for a personal loan. When you know the full extent of your agreement, you can avoid taking a payday loan that isn’t in your ability to repay.

5. Shop better

Spending your money is a part of being an adult with responsibilities. But just because you need to pay for things like shelter, food, and clothing doesn’t mean you have to pay full price for each item on your list. You can find a deal on almost anything if you’re willing to put a bit of time into it. Here are some ways you can cut down the final price on essential purchases:

  • Comparison shop: Most groceries stores will match the price of their competitors if you can prove they’re selling an item for less. This will take time, as you’ll need to find flyers or print outs as proof.
  • Couponing: You don’t have to spend your Sunday afternoon clipping coupons to find deals. You can find coupons and rebates using the apps on this top 7 list of shopping apps.
  • Timing your purchases: If it’s not a “need right now” item, then waiting to purchase something until it goes on sale can help you save. Keep track of popular sales, like Black Friday, Cyber Monday, or Amazon Prime Day to maximize your dollars.
  • Buy in bulk: Going to Costco could save you some cash if you need a lot of one item. Costco hours are wide and flexible, so you can shop during non-peak hours as well. Non-perishable household items like toothpaste and laundry detergent are great to pick up in bulk. Just keep an eye on its price per unit to make it’s cheaper than at the regular grocery store.

You aren’t destined to live without savings just because you have a small budget. You can find ways to set aside cash no matter how tight your finances are, as long as you’re willing to put in the time. Once you get used to these strategies, start looking for more ways to save. You can transform yourself into a saver faster than you think.

5 Smart Tips For Saving Money in 2018

Save moeny

Are you a student aiming to save for your MBA or a small business aspiring to grow and save money at the same time? Whether you’re a parent, a professional or a business owner all of us, in some way or the other, are in search of effective money-saving ideas. It might seem an uphill task but if you consider the tips I’ve compiled below, saving up on precious bucks will become less daunting.

Create An Expense List

The hardest part about saving finances is the starting point. The key to effectively achieving your target is to manage your expenses and practice frugality. Start by jotting down your personal expenses and all related costs to create your expense list. It will help you set realistic goals for yourself. Moreover, it will assist you to keep track of your spending, thus allowing you to avoid overspending and cut down on expenses to meet your target. You can also use a good money-saving app to help you create your financial plan.

Practice Frugality

Penny pinchers might come off as misers but it’s wise to spend with caution rather than waste your savings. Factor in expenses like household items, bills, taxes, food and personal spending during the budget planning and stick to it. Focus on your needs rather than your wish-list, prioritize your expenses, and steer clear of impulse buying or spending. Find out where you can slash your expenses or cut back on costs. If you’re a businessman looking for money savings, find out the activities that you can cut to reduce unnecessary overhead. For example, if you want to organize a trade show for your firm, go for inexpensive custom display rentals from reputable firms like Expomarketing.

Set A Budget For Yourself

You’ll be best able to track your spending with a defined budget. With an expense list in hand and an insight into cost cutbacks, you’re on your way toward meeting your saving’s goal. Once you set a budget for yourself considering the expense list and your income, make an effort to stick to it. Set a target that reflects the amount you want to save every month, say 10-12% of your earnings and ensure your spending doesn’t exceed the budget limit, else, consider your savings blown away. You can also use a tool like ‘Better Money Habits Spending Analysis Tool’ to analyze your spending pattern and make the necessary adjustments.

Define A Goal

A great way to save money is to define a goal like savings for a wedding, an MBA program, down payment of a car or funding for a startup. This will help you set realistic targets for yourself encouraging you to save the required amount every month and abstain from overspending.

Open A Savings Account

I recommend you open a savings account in a bank where saved finances are deposited or transferred every month. If you’re a US resident consider using FDIC-insured deposit accounts like Certificate of Deposit which keeps your money locked for a specific profit margin every month or an FDIC-insured individual retirement account (IRAs) which is a tax efficient savings account apt for long-term money-saving goals.