Saving Money on your celfone bill

One the the expenses that eats a large chunk of our budget is celfone load. For most of us, it would seem a great disaster when our celfone runs out of load. It is as if we are deprived of the right to live in this "celfone-oriented" society. It is now a basic necessity especially for the businessmen. That is why it is high time that we should come up with strategies on how to reduce our celfone bills or expenses.

The most sensible thing to do is to analyze the rates and quality of service offered by the cellular phone providers. I found out that there are two ways that we can adopt in order to save money on cellular phone bills and my suggestions are:

1. Try using Sun Cellular sim cards. This mobile phone provider is the champion of "UNLIMITED CALLS AND UNLIMITED TEXTING." Their latest "COMBO CALL & TEXT" package is exciting. By availing the "COMBO 30" package, you'll get 40 minutes free call sun-sun, 120 free text messaging, and 40 free texts to OTHER NETWORKS for only P30. It's really budget friendly. Sim cards are available as low as P29.00. So if you buy two(2) simcards, one for you and one for your family member, that will enable you to get very cheap CALL RATES doing a Sun to Sun call. Did u get the idea? To know the details of their plans, click here. However, there are also some disadvantages. In the interest of balanced opinion, the downside of owning a Sun Cellular simcard is that it has limited coverage especially if you're always out of town and since it's cheap, there are times that network becomes clogged and sometimes your calls wont easily go through.

2. Your next alternative is to avail of SMART GOLD LITE PLAN. it has the lowest per minute call rate with only P2/min Smart to Smart Call and FREE 75 SMS texts monthly. It has a very large subscriber base estimated to be 38 million users. It also has the widest coverage in the whole country and it is offered only for P300/a month with no financial documents required. It you have a valid ID and and advance monthly service fee of P300, you'll instantly own it.

So there you have it. If you want to shave off some of your celfone expenses, I offer you the two options above. Try it and I'm sure your mobile phone expenses will go down.

Tips on How to save Gas Part II

Save Gas by Driving Economically.

- Exceeding 40 mph forces your auto to overcome tremendous wind resistance.

- Never exceed legal speed limit. Primarily they are set for your traveling safety, however better gas efficiency also occurs. Traveling at 55 mph give you up to 21% better mileage when compared to former legal speed limits of 65 mph and 70 mph.

- Traveling at fast rates in low gears can consume up to 45% more fuel than is needed.

- Manual shift driven cars allow you to change to highest gear as soon as possible, thereby letting you save gas if you "nurse it along". However, if you cause the engine to "bog down", premature wearing of engine parts occurs.

- Keep windows closed when traveling at highway speeds. Open windows cause air drag, reducing your mileage by 10%.

- Drive steadily. Slowing down or speeding up wastes fuel. Also avoid tailgating - the driver in front of you is unpredictable. Not only is it unsafe, but if affects your economy, if he slows down unexpectedly.

- Think ahead when approaching hills. If you accelerate, do it before you reach the hill, not while you're on it.

PS: Those are only few of the many tips that you can find online. However, I'd like to end this article by leaving you a 100 percent fool proof advice on how to save 50% GAS MILEAGE ...... e.g. REDUCE YOUR CAR USAGE by 50%!!! Take a BUS whenever you can. It's guaranteed cheap and fun going to your destination along with other passengers.....

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Tips on How to save Gas

Watch for these tips. You might be one of those car owners who unknowingly fall into this kind of motor driving habits. Waste of fuel starts even at the time when you switch your ignition key in the morning: Here are some helpful tips on how to save gas:

1. Avoid prolonged warming up of engine, even on cold mornings - 30 to 45 seconds is plenty of time.

2. Be sure the automatic choke is disengaged after engine warm up... chokes often get stuck, resulting in bad gas/air mixture.

3. Don't start and stop engine needlessly. Idling your engine for one minute consumes the gas amount equivalent to when you start the engine.

4. Avoid "reving" the engine, especially just before you switch the engine off; this wastes fuel needlessly and washes oil down from the inside cylinder walls, owing to loss of oil pressure.

5. Eliminate jack-rabbit starts. Accelerate slowly when starting from dead stop. Don't push pedal down more than 1/4 of the total foot travel. This allows carburetor to function at peak efficiency.

So, the next time you warm up your engine.... you already know what to do...

Aside from doing the proper engine warm up, you can also save a lot of gas if you know HOW TO DRIVE ECONOMICALLY which I will share to you in my next blog.

The secret to saving money

Saving money is not a matter of math.

You will not save money when you get that next raise. You will not save money when that car is paid off. You will not save money when the kids are grown. You will only save money when it becomes an emotional priority.

We all know we need to save, but most people don't save like they know they need to save. Why? Because they have competing goals. The goal to save isn't a high enough priority to delay that purchase of the pizza, DVD player, new computer or china cabinet. So we purchase, buy, consume all our dollars away or, worse yet, go into debt to buy these things. That debt means monthly payments that control our paychecks and make us say things like, "We just don't make enough to save any money!" Wrong, wrong, wrong! We do make enough to save money; we just aren't willing to quit spoiling ourselves with our little projects or pleasures to have enough left to save. I don't care what you make—you can save money. It just has to become a big enough priority to you.

If a doctor told you that your child was dying and could only be saved with a $15,000 operation that your insurance would not cover and could only be performed nine months from today, could you save $15,000? Yes! Of course you could! You would sell things, you would stop any spending that wasn't required to survive, and you would take two extra jobs. For that short nine months, you would become a saving madman (or madwoman). You would give up virtually anything to accomplish that $15,000 goal. Saving would become a priority.

Note: Perhaps we all know about this long before, but there's a difference between pure knowing it and understanding its importance. Let's save for the rainy days because rainy days like sunrise and sunset, sooner or later, are sure to come. To discover the true secret to saving money, CLICK HERE..

Tips on how to sell your house

We’re smack in the middle of prime house-hunting season! More people are looking to buy a home during the summer than any other time of year. That means your house has the greatest potential to sell during the summer. Follow these essential tips to get your home listed for sale and to make the best impression on summer buyers.

1. Don’t move out of your home before you sell it.
Moving out before you sell your home can cost you thousands of dollars. Studies have shown that it is more difficult to sell a home that is vacant because it looks forlorn, forgotten and simply not appealing. If you move, you’re also telling buyers that you have a new home and are probably highly motivated to sell fast. This knowledge will give them the advantage at the negotiating table.

2. Get a real estate agent.
This is a must. Your house is most likely your largest asset. You’d be crazy not to use a professional realtor to help sell your home. Even Dave uses a realtor! A report by the National Association of Realtors shows that the average home in America sold by a realtor sold for $32,000 more than homes sold without a realtor. So unless you want to risk losing thousands of dollars, you need to find a great real estate agent.

3. Improve your home’s appearance.
Seems like common sense, right? You wouldn’t believe how many people forget or don’t think they need to do this.

The decision to buy a home is based on emotion, not logic. Fixing up and cleaning the space generates the greatest emotional response. Doing so allows buyers to imagine themselves living in your home. Leaving your kid’s toys in the floor and closets cluttered with junk makes it difficult for buyers to imagine themselves as owners.

So clean like you’ve never cleaned before! Pick up, straighten, scrub, scour and dust. Fix everything no matter how unimportant it may appear. Present your home to get a “Wow!” response from buyers.

Lenten Tips on How to Get Rich

PROVERBS 21:20 NLT
20 The wise have wealth and luxury, but fools spend whatever
they get.

The Bible teaches us how to get rich, and it is not by winning
the lottery. It is by walking with God and being diligent and
disciplined to do what God guides you.

Wise people wait and enjoy the fruit of their investments.
Foolish people eat all their "seed" now, instead of investing
any for a better future.

If you are reading this, then you have enough of what it takes
to become rich.

It is simple, really: just spend less than you make. Take the
money you don't spend and grow it by prayerfully investing
as God guides you.

Even if your annual income is not very high, over your lifetime
you will earn a large amount of money. Think how much money you
would have now if you had saved and invested ten percent of all
you have ever earned.

(If your life is about over, you won't get the full benefit you
could have by starting when you were young. But the principle
is still valid, and you may live longer than you think.
Whatever you do, be sure to teach this principle to your
descendants. )

You may not be able to save a large amount each pay period from
your present earnings. But God can take even small amounts and
multiply them when you look to Him in faith.

The devil is the one who wants us to spend all (or more) than
we make, so we will always be in bondage. To have financial
freedom, you MUST consume less than you make.

Modern advertising is a big culprit in tempting us to spend
more than we should. Its purpose is to convince you that you
cannot live or be happy without their product. Don't buy that lie!

Not everyone will earn a huge income. But everyone can
discipline themselves to save and invest from whatever they do
make. If they walk with God and prayerfully invest their
savings, over time, God will cause those investments to
multiply into riches.

PS: On the surface, the principle looks simple but it's not that easy though. Otherwise, poverty won't be a problem anymore. I believe it's worth trying anyway...

Putting Your money in the bank is a loser's game....

This may be a little hard to swallow for some of us but this is "hard truth." I heard it a number of times from other people but that's just it - for me, Putting All your hard earned money in the bank is a losing proposition.

Here are some facts why I believe so:

1. The interest rate offered by the bank is lower than the country's inflation rate. The prevailing current interest rate for savings account ranges between 2.5% and 5% per annum and if you'll look at the inflation rate of our country as of December last year, it is 9.5%. This means that the purchasing power of your money has depreciated by 4% last year. Your money is now 4% lesser in value in terms of purchasing power.

2. Government will impose 20% tax for your interest earnings from savings account. Just imagine a 20% deduction from your meager 2.5% interest earnings... I have nothing against taxes. Its good for the country in some way but, this one, in my opinion, is too much. It doesn't sound good...

3. If you're so conservative and contented of letting your money stay in the bank, you gave up your chance of availing the limitless income generating opportunities present everywhere. Believe me they are all around us. We just need to train our brain to see them. There are other ways to let your money grow and double your money in a shorter time compared to saving money in the bank.

As a clincher to my point of view, here's a tip on how to estimate when your money will double:

A few years back, there were certificate of deposits offered that will double your money if you keep it untouched for five years. It was a good product but none of the banks are offering them now.

If you want to do the same now, do you know what kind of returns should you be aiming? You might be surprised to know how easy it is to estimate.


The rule of 72.

This is a simple formula used to estimate the number of years it will take for your money to double. By dividing the number 72 with the interest rate earned, you can approximate the duration you need to wait. By just reversing the formula, we can determine that you need around 14.4 percent returns to double your money in five years.

Now, let us use the current bank rates (between .5 and 2.5 % return per annum). Based on the rule of 72, it would take between 28 to 144 years to double your money.

Do you think you can wait that long? Or should you be thinking of other ways to invest?


The Big question now is where do we put our money instead? Rest assured that it shouldn't be kept inside your vault in the house. That's a big no-no... Let me reserve that interesting topic for you in my next blog...