Easy Ways to Save Money
Let’s be honest for a second, we could all be better at saving money. I didn’t start learning how to properly save until many years ago when I moved away from home and had to learn to depend on myself. It was a wake up call, but one that taught me many valuable lessons. Learning how to effectively cut back on my spending habits was perhaps the most important of all. Here are a few tips that have always worked wonders for me.
Don’t Always Depend On Your Credit Card – It’s easy to spend money when it doesn’t immediately come out of your bank account. Several weeks later, you receive a bill in the mail and realize that most of those purchases weren’t even necessary. I only use my credit card for fuelling my car. This tends to keep my Visa bill under control.
Pack A Lunch – Dining out for lunch certainly adds up in a hurry. By packing a lunch on a daily basis, you could easily save $20 a week.
Create A Budget – Excel is perhaps the most useful tool in creating an organized, easy to follow spreadsheet. Start with a weekly budget and ease yourself into a monthly budget.
Avoid Impulse Purchases – My impulse purchases tend to be food, clothing and colognes. Although the task itself can be rather difficult at times, I attempt to avoid each of them altogether. Therefore, I will not be tempted to make an unexpected purchase.
Distinguish Between Needs and Wants – You may want that brand new shirt from your favourite store, but do you really need it? Ask yourself this question with every purchase that you make.
Make Your Own Coffee – I know, I know. It tastes much better at Starbucks and Tim Hortons, but brewing your own blend at home will save you a great deal of money in the long run.
Pay Your Bills On Time – Paying your bills on time will cut back on insanely high interest rates and late fees.
We live in a world full of endless distractions which directly affects our ability to listen intently. In my opinion, listening is perhaps the most important aspect in any dialogue. The funny thing is, we can all learn to be a better listener. But how? 
the hotter days. Here’s my simple four-step recipe to making a homemade iced coffee.