If only saving money took less effort, then we would all be doing a better job, right? LearnVest has some smart tips for sneaking ahead financially without much effort.
You know those people who organize their finances with multiple Excel spreadsheets and sophisticated investing strategies? Annoying or admirable, they kind of make you feel bad about your own, less-than-perfect finances, right? But let’s face it: The last thing you want to do is spend that much energy budgeting. Well, guess what? It's possible to improve your finances by doing a few things that actually require very little effort. Read on to learn how you can gain better control of your money—one easy tip at a time.
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Order Staple Items Online
When we first reported on the Subscribe and Save offering from Amazon, we thought it was an especially good perk for parents. But it's actually great for anyone who likes discounted goods—and dislikes having to make frequent runs to the grocery store.
The premise: You choose items that you often need to restock—toilet paper, soap, detergent—and then set up regular, free shipments. Plus, many of the items are discounted on top of that.
Drop Change Into a Jar
It may sound crazy, but we sometimes forget that coins carry value. If you have loose change in your wallet or purse, you're more likely to spend it . . . or lose it in the depths of your car or couch cushions.
By putting your excess daily change into a jar, you’re preventing frivolous spending. And once you have a healthy stash, you can take your coins to the bank and deposit them. More savings!
Earn More Doing the Same Work
If you’re putting the time and effort in—and you have the results to prove your worth—it may be time to ask for a raise. As the saying goes: no risk, no reward. So put yourself out there, and earn a better salary for the job you've already done.
Just make sure that you have a strategy in place before meeting with your boss. When negotiating a salary increase, split the difference between what you currently make and your asking number. For instance, if you earn $30,000 a year, but you want to make about $35,000, ask for $39,500. And make it a point to show your manager just how your work has benefited the company, as well as how you’ve exceeded expectations and responsibilities.
Read on for more.