The following is a guest post by Jonny at Finance Wand.

Money saving ideas have great relevance in this present era as financial slowdown continues.

You can save a lot of money by simply modifying your lifestyle. Whether you plan to save for college or tighten your luxurious budget or wish to build a retirement plan, the following money saving tips or tricks can significantly reduce your financial stress.

Here are 20 quick ideas and strategies to save money:

1.    Do not go for unplanned purchases at the shopping malls. Making a shopping list can save a lot of money!

2.    While grocery shopping you can buy store brands instead of premium ones. Store brands are often the exact same product for as much as 3 times smaller price.

3.    Cooking at home is not only easy and time saving but also cheap. Find some great online recipes and avoid restaurants.

4.    Bring home made lunch to office instead of spending your money on fast food.

5.    Buy gifts for friends or relatives when items are on sale.

6.    Take utmost advantage of rebate offers.

7.    Cancel all of your subscriptions that you really don’t use for better money saving.

8.    Always set up your budget before making any purchase. It helps you to get a better grip on your income and expenditure.

9.    Recycling and reusing is a great money saving trick.

10.    Go for a picnic or outing in State Parks instead of expensive theme parks.

11.    Automate your various bill payments. As such you will be able to avoid credit score damage and late charges.

12.    Read news on the internet instead of buying newspapers.

13.    Keep your car in top shape. Slow driving, smooth acceleration and braking will offer better mileage and thus your money will be safe in your wallet.

14.    If you have an extra room or extra space then rent it. Renting property is worth the bucks.

15.    Reduce your monthly utility bills. Always buy energy efficient appliances. Tuned up (if required) and clean appliances save energy.

16.    Choose your home or car or travel insurance quotes carefully. Make your research and then choose the one that suits your budget. Thus, shop around while buying financial products. Try to get a low price and licensed insurer.

17.    Do not use your car while the destination is at a walking distance. Save the cash instead of paying it off at a gas station. It will be a fine work out for you and you also protect your vehicle from wear and tear.

18.    Try to do the repairs in your home or car yourself.

19.    If you spend a lot of money on books, then you can easily reduce your costs by using a public library. Public libraries offer social meet-ups, educational programs and many others.

20.    Choose a safe and sound retirement plan. Make a clear idea of the retirement scheme and benefits before taking any decision.

Saving money makes you feel happy and comfortable and it is also great for your wallet. Being frugal and saving money can help you on your way to a balanced cash flow and financial stability.

If you want to get rich then step 1 is to learn how to save money!

Having the right kind of a woman can make all the difference in the world. There are two types of women that every man knows about.

Gold Diggers

These are the women who usually marry a guy for his money. These women want a good life more than they want true love.  If you married a gold digger you can typically recognize her because she demands you to buy her things – selfish things like jewelry, cloths and so on. The right woman also likes to have nice things but she puts you as a couple before herself.

If you are trying to save money for starting your own company the gold digger wife would constantly know that this is a bad idea and that you should instead use the money for traveling or to buy some nice things. The right kind of woman would help you to save more money to get your company going faster.

The Right Woman Material

If you have a wife or a girlfriend who constantly makes you push yourself harder to achieve your goals you are in luck. These women make you achieve all you can become. They want a successful husband who is happy because he gets out of life what he wants. These kind of women know that if they help their husbands become who they can be – it will benefit both of them plus their family.

Women like this are a real god send.

Here is the best story of a woman like this that I have ever heard of. As far as I can tell this actually happened.

A Story of a Real Wife

Years ago when the first George Bush was President he went out campaigning for his second term in office.
While on the road they needed some gas and the driver pulled into a gas station along the road.

As the attendant started fueling the car Mrs. Barbara Bush got out of the vehicle, walked around, hugged and cheerfully spoke with the attendant. After they finished talking, she got back into the car and sat next to her husband.
President Bush asked her, “Who was that?”

She responded, “A high school boyfriend.”

To which he replied, “You mean to tell me, that you left the car to talk to him? Do you realize that you are married to the President of the United States? If you had married him, you’d be the wife of a gas station attendant.”

She responded:

This post is about Estonia – a small, yet technologically advanced country where I run FinancialJesus.com from.

Background

Estonia is a very small country – about 1.3 million people live on 17 000 square miles (45000 sq km).

The largest city Tallinn has a population of about 400 000 – all other cities are smaller than 100 000 people.

Our better known neighbours include Finland to the north, Sweden to the west and Russia to the east.

Cool things about Estonia that you didn’t know

Let’s be honest – there is about a 99% chance that you don’t know anything about Estonia, but here is a list of things that make us unique and show just how advanced technologically we are.

E-government

From the year 2000 all Estonian government’s hearings are entirely paper free. The members of the government still have gatherings but all documents are held entirely online. If it is necessary to pass a new law it can be signed digitally.

ID-cards and Electronical signatures

All Estonians have an ID-card with a small chip that can be used to give electronic signatures. An Estonian can pretty much do every bureaucratic procedure online – this includes filing your taxes which is entirely web based and takes about 5 minutes. All relevant information is pre-entered into the tax forms – you just need to check if everything is OK.

E-democracy

Estonia is the first country in the world to have a unique system where every citizen can make suggestions for changing laws online. Other Estonians can vote if they like the suggestion and in the end the government has to consider carefully whether or not this suggestion can be implemented. You can basically change a law with one single post online.

Electronic voting

Estonia is the first country in the world to have successfully implemented national e-voting. A person wanting to give his vote to his favorite candidate online needs to have his ID-card that he uses to identify himself. A person can change his vote for as many times as he likes until the deadline.

Secure voting with mobile phones has already been used in smaller scale and there is a debate whether we should have mobile voting in addition to online voting.

Wireless Internet

Estonia is entirely covered with wireless internet. We have free wireless internet access in every gas station and in every cafe that hopes to have any visitors. In fact, it is very difficult to find a place where there is no free public wireless internet access! The many wireless networks that cover the whole country include 3G, 3.5G, WiMax and CDMA.

Estonia is the only country in the world where internet access is a basic human right. (Yes we have a law for that).

98% of people use online banking. Nobody uses checks.

Glimpse of World War 3

Being too wired can also have some negative aspects. In May 2007 Estonia became the first country in the world to become under a country wide cyber attack. The attack was headed from Russia with millions of computers around the world bombarding Estonian media, government and banking websites. Many of them become temporarily unavailable. Luckily for us – Estonia is the home of the cyber defense headquarters of NATO.

Mobile parking

Estonia was the first country to implement mobile parking tickets. You drive to the center of the city, park your car and dial a special number or send a text message. If you are done parking just call the number again. The money is taken directly from your bank account or added to your phone bill. If you are a fan of public transport you can of course buy a bus ticket with your phone or transfer money to your friends bank account just by dialing a special phone number. There are almost no regular parking meters.

Famous software

Estonia is also the birthplace for such famous software as Kazaa and Skype. The best days of the file sharing software Kazaa are already over, but the free internet based voice chat program Skype was sold to eBay for $4.1 billion.

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