How to Manage your Money with Able2Extract Professional 8

If you are responsible for overseeing the financials of your business or simply trying to keep up with your day-to-day household budget, you probably already have plenty of productivity tools that you use to make the process easier. Various software, pre-made financial spreadsheets, calculators and online tools have made keeping track of your money easier than ever before.

However, there is one aspect that still might be inconvenient when keeping tabs on your finances in the electronic world, and that is dealing with paper receipts. If you want to archive these spreadsheets and receipts, you are most likely scanning them into PDFs. But what if you want to use the data found in the scanned bills and receipts? What if you are constantly receiving scanned bills from co-workers and you need to manipulate the data trapped inside these image PDFs? As most users know, a scanned PDF is almost impossible to edit and it’s very hard to extract this data from a scanned image file.

[Read more…]

Save Money on Expenses for Pets

Have a budget for pets
cat and dog

Pets are already considered as part of the family and for people who are living alone or away from their families, pets are even considered as companions. For years now, pets, especially cats and dogs, have been living in thousands of households all over the world and are being valued. When it comes to expenses for pets, this also takes a chunk off the family’s budget for the month. But as always, there are numerous ways to cut on costs and save money while dealing with the expenses for pets.

From food to crates and travel bags, to regular grooming and maintenance, to the treats, toys, and medical needs, expenses for pets when accumulated can amount to something really high. When traveling with a pet, one might find it surprising that the airfare ticket of a pet dog is almost equal the price of the airfare ticket of a human. Pets are valued and are given importance almost in the same way as people and these adorable animals deserve such treatment. However, pet owners must also not let their wallets suffer because of their expenses for pets.

For people who have pets at home or those who are thinking of getting one or more, here are some ways to save money on expenses for pets.

consider pet adoption

Consider pet adoption

1. If a person is thinking of getting a pet and is not very particular about breeds and would also like to help rescued animals, pet adoption is always encouraged. However, people who intend to adopt pets from a shelter must keep in mind that most of these pets have a history of neglect or abuse, so it is important that they spend more time with their pet. Adopting a pet would also help the rescue centers since most of the time, they could only help a number of animals. Also, adopting a pet will help a person save money in large amounts, especially regarding expenses for pets since they no longer have to purchase the pet, pay fees and charges for its papers, and spend more for spaying or neutering.

Find a good breeder

find a good breeder

2. For those who want a particular breed, the best way to save money and get the best kind of pet possible is by choosing the best breeder in the area. Good breeders ensure that the animals are healthy hence owners save money from medical bills and usually, pets already come with papers when purchased from a good breeder. Once a potential pet owner finds a good breeder, he or she must research about it on the Internet and by asking around. Check the dogs and their parents, and the environment where their parents are being raised. Also, references from other breeders or veterinarians could be helpful. It is important to get a good breeder so that there would be minimal problems regarding the pet and, of course, minimal problems mean minimal expenses for pets and the chance to save money.

Spaying cats
spaying cats

3. Neutering or spaying a pet could cost a lot since it is a medical surgery designed to remove the whole or a large part of an animal’s reproductive organ to avoid further reproduction. This is often done in rescue centers right away. For pet owners who are contented on having their pet and would not want more kittens or puppies, the best way to go is having their pets neutered and spayed. For cheaper charges on the procedures, pet owners can check the American Society for the Prevention of Cruelty to Animals (ASPCA). One case is that a pet owner went for a local vet and inquired about the fee of neutering a small breed puppy and that vet said $800, the owner asked around and learned that the ASPCA in San Francisco charges $225 and in a further place, Oakland, CA, neutering and spaying of small breed puppies could be done for  $100. Another option to save money from expenses for pets is one local Humane Society clinics.

Dog peeing outside

dog peeing outside

4. Another common problem for pet owners is when their pets treat the whole house or certain parts of it as their toilet. This is not just bad behavior for the pet but this is also very unhygienic for the house. Pet owners must housebreak their pets, especially the dogs and make sure that they go outside of the house to take a dump or to urinate. Dogs could also do this while they are being walked outside. On the other hand, cats usually have a sandbox and most cats have no problem getting used to it. Although pet owners must still be responsible and constantly check the cat’s sandbox and not just leave it out for days. When pets are trained to do their business, this will help the owner save money and also minimize the expenses for pets since they no longer have to buy those expensive pee pads and cleaning solvents.

Sacks of dog food

buy dog food in bulk

5. Pet owners might not realize it but pet food alone costs so much! However, it is important for the well being of every beloved pet so the trick here to save money regarding expenses for pets, especially pet food, is to buy them in bulk and choose the discounted ones. This is also ideal for owners who have medium to large breeds of dogs since these breeds eat a whole lot more compared to small breeds. Pet food that could be bought in sacks and by the bulk is ideal, particularly for dog food since cats don’t eat much anyway.

In pet shops and hardware stores, pet food is often sold at discounted prices. In the Internet, there are also shops that sell pet food in low prices and there are also online coupon websites that have discount coupons for pet food. If a pet owner has much time in his or her hands and would like to personally prepare the food of his or her pet and also save money on pet expenses, there are also recipes on the Internet for homemade dog and cat food to save money.

Second-hand crate

6. Pet owners are usually friends with other pet owners and if a person is just starting out with having a pet, it won’t hurt to ask other pet owners if they have unused pet equipment at the basement or garage. Offer to buy it for a reasonable amount (definitely cheaper than brand new ones sold on pet shops and stores) and if the other pet owner decides to just give it away, then that would be great for a person who wants to save money from expenses for pets.

The most common unused pet equipment are small crates, baskets, or dog houses that were bought when the pet of the other person was still a kitty or puppy. Other things that are usually left behind are toys like balls and other toys dogs chew on. Sometimes pets tend to lose interest in a toy and just ignore it. When getting a hand-me-down dog toy from another pet owner, make sure the dog toy is washed thoroughly and the saliva of the other dog is removed totally from the toy.

When there is some extra money or the dog has been really good, get him or her his own toy as a treat and choose the durable one so it will last for a long time. Owners can also buy second-hand pet equipment from online shops or thrift stores to save money.

Research about pet
research pet breeds

7. Research, research, research! Knowing a lot about the kind of pet a person has or would like to have is important. Will this particular breed be comfortable with the size of one’s home and lifestyle? What breeds go along fairly well with other breeds/animals and what are those that prefer to be just the only pet? Are there kids in the house? What are the child-friendly breeds? Pet owners must know these and a whole lot more. Through researching, pet owners can also know the attitude of their pets, the particular care that it needs, and the  ways they can be trained. This research can be done through the Internet that is overflowing with information, through books, through conversations with other pet owners, and by asking veterinarians. In order to save money from expenses for pets, one can borrow books about pets from other pet owners and just surf the internet wherein information is free.

vaccinate your pets

8. Regarding vaccinations, ask for the local vets or vaccination clinics around the area. Don’t just immediately take the first offer. There might be cheaper vaccination services in other clinics. And any responsible pet owner must know that vaccination is important, not just for the pet but also for the general safety of the people around the pet. Pets who seem not in the mood or are sick must not be given vaccinations since this might lead to unpleasant circumstances, wait it out for a few days or let the pet rest for a little while.

Here are additional tips for pet owners so they can save money on expenses for pets. Remember that what is important is that proper love, care, and attention is given to the pets and at the same time.

Groom the pet at home. Pay attention to the routine of the pets and check the time that they do it. Opt for older veterinarians. Keep the water bowl always full. Forget about dog parks that require membership fees, head to the local park or share backyards with other dog owners. It is also a good idea to invest in affordable pet insurance, so your pet stays healthy. One of the best pet insurances that offer great services for a very affordable price would be Bivvy insurance.

With all these tips to save money on pet expenses hopefully you found something useful in the article that you can implement to save a few dollars.

share some money with fido

Personal finance rules – Don’t let money control you

money control youAre you someone who is not being able to keep your debts under control due to the lack of funds at your disposal? With the sluggish job market growth and the lack of money in the hands of the consumers, an increasingly large number of people are not being able to control their funds as they’re spiraling out of control. Managing your personal finances is certainly an intimidating task but when you have too many debt obligations to handle, personal finance management becomes a necessity. There are personal finance tips that you need to follow and if you’re not aware of them, here are some that you may consider.

  • The secret is following a budget: When it comes to personal finance management, following a budget that is frugal is the key to it. A frugal budget should eliminate all the unnecessary items that you can do without and motivate you to track your pennies. Unless you know where your pennies are going, it becomes difficult for you to make the vital calculations that are needed to stay on track.
  • Saving money is also important: Saving money is also a key to success and therefore you should save at least 10% of what you earn so as to help yourself build an emergency fund. When you’re aware of the economic situations that you’re going through, you should arm yourself against all odds by increasing your emergency fund so as to avoid getting help from the professional debt relief firms.
  • Stop using your credit cards: You should stop using your credit cards as soon as you incur a huge amount of unpaid credit card balance. Credit cards usually carry outrageously high rates and therefore you should avoid using them as much as possible. The more you use your credit cards, the more you will push yourself further into the debt hole. Therefore, you should lock in your credit cards at home and thereby help yourself avoid falling in debt.
  • Speak to your creditors: If you feel that you should refrain from getting help from your creditors, you’re probably mistaken. You should speak to your creditors and tell them about the financial hardship that you’re going through. They might even think about some hardship plan through which you can make simple affordable monthly payments and also get out of debt.

So, when you’re wondering about the ways in which you can manage your personal finances, you may follow the above mentioned tips. Ensure getting help from the professional debt consultant only when you can’t get out of debt on your own.

As a side note,  I want to wish my beautiful wife a Happy Valentines Day.  I love you.

Photo by: peasap

Top Personal Finance Blog of 2012

top personal finance blog of 2012Good Morning,

While you are enjoying your cup of morning Average Joe, make sure you get out there and vote for your favorite personal finance blog of 2012.  If you cannot decide do not worry you can select up to 3!!

Receiving this nomination has been a humbling experience just seeing the list of names that my site is apart of.  So what exactly comes with being the best personal finance blog of 2012, well it means $100 will be handed out to one of my lucky readers, how is that for starters???  Now that the Money Life and More got your attention get out there and vote!!!!!  When we win we can add vodka to our tonics.    

This is all about planting our pennies so that you remember who sent you there to vote!  If this post doesn’t make too much Stupid Cents just make sure that you support your favorite personal finance blogger of 2012.  They take the time out of their day sometimes plunged in debt to make sure that you have your daily money shot

Whatever your reason for reading the sites of your favorite personal finance blogger, make sure that you give them the support they need, and sometimes we are anonymous leading a My Alternate Life and rambling about This That and the MBA.

With that said make sure that you are ready for zero debt and you will really appreciate the one smart dollar that you have in your account. 



Almost forgot, click on the graphic above to be redirected to vote!!!  I am all the way near the bottom Cool

Plan Ahead for Short Term Emergencies

An emergency may be unexpected, but it is not necessarily unforeseeable. If you’re not planning for life’s emergencies ahead of time, you may end up turning to short term loans as your only way to finance them. However, there are other ways to stash away emergency cash for when life hand’s you one of its little emergencies.

Medical Expenses

Health insurance is one way to plan for medical problems you can’t predict, but are due to happen. To plan even further to pay for co-pays and the deductible, you can also set up a flexible spending account with your company. The funds are automatically deducted from your paycheck on a pre-tax basis each pay period and they can be used for health items like eyeglasses and dental care. Not only is the saving painless, but it also can give you more savings due to the pre-tax status. If you work for yourself, you can set up a Health Savings Account (HSA) instead, and roll over the savings if you don’t use them that year.

Repairs and Maintenance

Owning a car or a home can come with unexpected repair and maintenance costs. You might not know when you’ll have an emergency, but you know it will eventually happen. To avoid having to take out short-term loans that may be difficult to repay, you need to plan ahead and save now. Get registered for a home maintenance plan that can be as low as $50/month and cover major repairs like electrical problems in the home or bad appliances. Having a savings account set aside and using direct deposit to direct a portion of your paycheck to it can help you prepare for those emergencies.

Building an emergency fund is not difficult. It just needs to be consistent. If you have extra consider loaning it to family and friends, so that when your turn comes around they’ll be there for you, too.  If you automate savings and plan ahead it removes the stress of being caught short when bad things happen. It can be a wonderful feeling to know that the money is in the bank for a repair or replacement when the air conditioner fails during the height of summer or something else occurs that you may not have foreseen, but you were wise enough to plan for, regardless.

Do you really need money?

this that and the mba, dumpster dive, daniel sueloHave you ever heard of the cave dweller?  Dumpster forager?  What about Daniel Suelo?  Well I have news for you they may all be one in the same.  Daniel Suelo is a man who decided he didn’t need money anymore. 

What did you say?

That is right he decided he didn’t need money anymore.  So one day he walked out and put his last $30 dollars in a phone booth and hasn’t looked back.  That was 12 years ago.  He has been wandering the country since living off the land and others generosity.  He really takes it to heart when we say one man’s trash is another man’s treasure.  For Daniel it is his means of survival.   

Where would you ever get an idea like this?

For Daniel Suelo it was his 2 years in the Peace Corps that he saw the quality of life of an Ecuadorian village decline the more money that they spent.  They were spending money on TV’s and modern day conveniences.  He came to the conclusion that money was the underlying factor.  This idea fostered in his head for a while and then one day he decided to take the extreme measure and go on without money.  

Do you think you could walk away assuming you had no debt?  I know we all want to walk away from our debt!!!

 Photo By: Meaduva