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Desktop computers and laptops are great gifts for the holiday season. Today, nearly everyone needs a home computer to get work done and to communicate with friends and family, so virtually anyone on your holiday shopping list can benefit from a new computer. Because computers and laptops are such popular holiday gifts, manufacturers and retailers offer great deals on computers this time of year.

How to Find Deals

If you really want to get the best price on a new laptop or desktop computer this holiday season, skip the stores and shop online. Most retailers will be offering free shipping throughout the holiday season and will have deep discounts on computers and laptops from top brands. Before you buy from any retailer, be sure to check the price at a few other stores and take into consideration what promo code and discount coupons are available to help you save on your purchase.

Things to Consider When Shopping

When you’re shopping for a laptop or desktop computer this holiday season, here are some things to keep in mind:

  • Operating System – Buying a computer with the latest operating system can mean getting the ability to enjoy advanced features, but it can also make a computer cost more.
  • Size – If you’re buying a laptop, size is of the utmost importance. Small laptops can be harder to see, while large ones may be less convenient to travel with.
  • Specs – The hard disk size, amount of RAM and processor will affect the performance of the laptop or desktop. Do some research to find out what type will be best for the person for whom you’re shopping.

As technology brings the world closer together, travel isn’t as daunting as it once was. Suddenly it is possible to end up on the far side of the earth within a few hours where you can immerse yourself in another culture, enjoy a foreign land, and learn about yourself.

But what about the cost?

Even though many people consider travel cost prohibitive, there are a few easy ways to get the best travel experiences without needing much money. Traveling, especially in your 20s and 30s, isn’t just used as a fun excursion, but rather a thought provoking practice that will expand your consciousness.

Use these 4 different methods and you can not only travel affordably, but have a better experience than luxury travel.

Rent a car – In most countries, the cities are great, but the countryside is really where the culture is. By getting into the countryside you will be able to see a world that remains similar to how it looked hundreds of years ago.

There are some places in Europe where trains are great, but a car will allow you to stop where you want, take your time, and it gives you the freedom to do whatever you’d like. Even though it will cost a lot for your trip, it will give you a few advantages.

For one, you can sleep in your car. It might not be the most ideal situation in the world, but as a young 20 – 30 something, it isn’t impossible to do. There are many overnight flights where you are expected to sleep in a seated position so it definitely isn’t unheard of. Second, you can buy groceries to keep in your car to avoid from eating out too often. It’s healthier and it is definitely cheaper.

Don’t book in advance – During peak travel seasons it might be risky to avoid advanced hostel bookings, but if you can avoid it then do so. Advanced bookings tie you to a specific place and they don’t allow for spontaneity. In my recent visit to Ireland, I never once stayed in a city that I expected at the beginning of the day.

In many parts of the world, visiting a local bar or cafe can lead to new friends and frequently you will get invites to stay over if you have no other plans. We don’t recommend you rely on others or request a free place to stay, but often it will come to you if there are no other plans in the way.

Through this you can save money and, at the very least, you’ll find locals who can suggest a cheap place around town (that you might have never found online). Of course, the best part about this situation is your freedom to travel wherever you’d like based on the suggestions of others. Locals and ex-pats living where you visit will have the best suggestions so go with the flow and you’ll learn a lot about surrendering without a plan and enjoying the unknown.

Find local grocery stores / markets – It doesn’t matter where you visit, there are local grocery stores and markets that are perfect for people on a budget. Paying for restaurant food in New York, London, or Japan can get incredibly expensive, but if you find a local shop you’ll save a lot of money.

Budget some money for local delicacies and dishes, but find your basic food groups in a local grocery market. Most places in the world have deli meat, grab some fruits and veggies, and a loaf of bread. Even a gluten-free diet is easy with some rice cakes.

Not only will you save a lot of money, but you’ll also remain even healthier than eating all the local fare. Even cuisine from a health conscious culture (like the Japanese) can become unhealthy due to the quantities. Aim for health and affordability.

Rely on cash – When you are at home, it’s easy to spend a lot of money with a credit card. An easy swipe of the card and suddenly you have more debt than you know what to deal with. When you are abroad, it can add up even quicker. Try to get a certain quantity of cash from your local bank (better currency exchange rates) and use that throughout the trip.

Seeing the cash going out of your hand or wallet will have a stronger psychological impact. Of course, you don’t want to stress yourself out while on this path, but it will be an easy way to save money.

Even in an expensive country, using some of these tips will not only help you to save money, but also have a much richer experience. Visiting the same old sites every other tourist visits from online lists will be less rewarding than going with the suggestions of locals.

If any trouble results from using these 4 different money saving travel methods, take them in stride. They are learning opportunities that will help you grow as a person. Language barrier? Learn a bit of the local tongue and body language! Whatever it is, you’ll find an opportunity for growth.


You can’t afford to be without a smartphone in today’s day and age, but so many mobile plans today make it a hassle to have a phone. Plans tend to be expensive and have so many hidden fees on top of the high monthly rates. Plus, carriers trap you with lengthy contracts, so you can’t even shop around for a better price. Fortunately, there is a way for you to save money and still get a great smartphone with reliable service. Straight Talk is the answer.

How Straight Talk Works

Straight Talk is known to offer one of the most affordable mobile phone services today. With Straight Talk, you can opt to purchase a new phone or to buy a SIM card to place in your existing phone when you sign up for the service. Then, you select a plan from one of the many affordable options. There are no contracts to sign. You have the option to renew your plan when it expires or to have it auto renew every month until you cancel.

Straight Talk Wireless Plans

Currently, Straight Talk has a variety of affordable plans available. Some of the options include:

  • The All You Need Plan. With this plan, you get 1500 nationwide talk minutes and 100MB of data for 30 days for $30.
  • The 30-Day Unlimited Plan. With this plan, you get an unlimited number of nationwide talk minutes and 5GB of high speed rates for 30 days for $45.
  • The Unlimited International Plan. This plan is the same as the 30-Day Unlimited Plan, except that it also gives you unlimited calls to mobile phones in Mexico, Canada, China and India and to landlines in many countries.

How to Save on a New Straight Talk Phone

You can purchase a wide array of Android phones to use with Straight Talk, and when you buy your phone online, you can save money. The site is known to offer sales on new and popular models of phones many times during the year. During a sales offer, you can buy a phone at a discounted price without having to use coupons or redeem a promo code. Throughout the year, Straight Talk also deeply discounts older models of phones, selling them at clearance prices to make buying a new phone even more affordable. In some cases, you can use a Straight Talk promo code offer or coupons to reduce the price of a regular phone, a phone that is on sale or a clearance phone.

Getting Deals on Service

Getting a discount on a new phone isn’t the only way that you can save with Straight Talk. Often, the mobile carrier has special offer savings deals for new customers to sign up. Sometimes, these deals are sales that anyone who signs up during a certain period of time qualifies for. In other instances, you need a promo code from coupons found online to get the deal. Promo code coupons are entered into the checkout system when you sign up for a plan.


There are a few common tendencies when it comes to shopping. Some people like to go for the more expensive items or big brand names, because they associate cost and brand name with quality and status. Some try to save every penny they can, and go for incredibly cheap items, and then there are those who actually look for the best value for money. The latter category are what are commonly known as informed or smart shoppers, because they know how to set up their budget depending on the nature of the products they are buying. If you want to be a smart shopper, and get decent quality at a reasonable price, then try to follow these simple guidelines also you can read my other post quick and easy tips for slashing your monthly spending.

Know the Difference Between Cheap and Cost-Effective

While some name-brand products may not be worth all the extra money – unless the materials used, the quality of craftsmanship and the production methods used are extremely high end and complex, you are likely mostly paying for boosting your social status – going for the cheapest options may not be a financially sound solution either. If the item can’t perform well, and is not nearly as durable as it should be, you’ll end up with poor functionality and will have to replace the item often. You need to know what the minimal price range is for acceptable performance and durability for a given type of product, and then you’ll be able to gauge quality and know how much to spend.

Understand How the Products Work and What Makes Them Effective

In order to know the right price range, you’ll need an understanding of how a particular type of product works, and what makes it work. There are always a few important active ingredients, key assembly parts and basic characteristics that you need to look for. If it’s got the basic things that make it work well, you don’t have to go beyond that price point to get what you need. Forget about flashy looks and quasi-scientific jargon, look for functionality.

Read Online Reviews and Comparison Charts to See How Different Brands Match Up

It’s best to go through several reviews of a product, and even several other products from the company, to get an idea of how they perform. Compare different options – i.e. different models, different brands or similar types of product – and see how they measure up. Once you find some items that fit your criteria, see which ones give you the biggest bang for your buck.

Be on the Lookout for Coupons, Discounts, Sales and Special Deals

Sometimes you’ll be able to find items that are out of your price range at a discounted price. It also pays to look for coupons online, as they will allow you to get higher quality items at a reasonable price. You should also wait a little before making a big purchase, and try to find upcoming sales or good offers. Have a wish list ready, and come back to it when the time is right.

It’s not all that difficult to make smart purchases, but you need to be well-informed, do the research and keep an eye out for coupons, promotions and special deals. Use these guidelines to become a smart shopper and spend your money wisely.


It’s easy to get carried away and start spending a lot more that we can afford to during the first couple of weeks of a month, and then try your best to scrape by until the next paycheck. What’s worse, it seems that, as a species, we are not wired in a way that would makes us more responsible with money and material possessions. Luckily, we can all develop skills and make a few lifestyle changes that can help us spread our finances out more evenly, and even allows to put a bit of money aside. Here are a few simple tips that you can use to slash your monthly spending down by a quarter or more.

Get Large Quantities of Food and Cook for the Entire Week

If you tend to eat out fairly often, order takeout, and make spur of the moment store runs on an empty stomach, chances are that you are wasting quite a bit of money of food. An easy solution to this is to buy food in bulk and cook meals for the entire week. You can make several different combinations using fried meat, mixed vegetables, rice, and a variety of spices. You can even prepare quick healthy snacks using nuts and fruit, or throw some frozen fruit into a bowl of oatmeal for a refreshing breakfast. It’s quick, easy, and you’ll save tons of money preparing food in advance and keeping it in Tupperware containers.

Stockpile Essential Household Items

Some items are always needed around the house, e.g. laundry detergent, toothpaste, lightbulbs, garbage bags, and so on. An overwhelming majority of these items can sit for years in storage without a problem, so when you get a chance to buy them at a very good discount price, make sure you get lots of them. It will put a dent in this month’s budget, but you won’t have to worry about spending money on these items for a good part of the year afterwards, so you’ll be saving plenty in the long run.

Buy Generic Brands

A lot of products only have a few basic inexpensive ingredients that make them work, so brands that market themselves as high-quality will mostly be charging for fancier packaging and tons of marketing that they have to invest in. When it comes to hygiene products like soap and toothpaste, cleaning products, as well as drugs, you are better off going for generic options and saving money.

Use Coupons as Much as You Can

You’ll need a bit of patience and dedication in order to find plenty of incredibly useful coupon discounts, but it is time well spent. You can easily shave 20-30% off your monthly spending by waiting for good deals and getting the right coupons.

With a few minor lifestyle changes everyone can manage to get their monthly spending under control, and live a bit more comfortably on even a very tight household budgets. Try out these tips and see how much you can save.


Everyone deserves a break from their daily troubles and obligations every once in a while. A nice and relaxing vacation is not only a good way to have some fun, but it also actually helps improve your mental and physical health, and allows you to learn about different cultures. However, not everyone can afford the vacation of their dreams, and it can even be difficult for some people to find the extra money for even a romantic weekend abroad. Well, you can manage to save up quite a bit, even if you are working with a tight budget as it is, as long as you know what you are doing.

Let’s lay down some ground rules first. Chances are you will only have several months to save up. This means that you have to start right now, and that you will need to implement some drastic cost-cutting measures.

Always Be on the Hunt for Coupons and Sales

Your best bet is to use as many coupons as you can to save on some of the most important items you buy, and you can also hunt for sales. Don’t just go shopping when you absolutely need something – plan and program your shopping trips, and keep an eye out for deals even when you are casually driving around town or browsing online.

Create Your Meals Based Around Items You Can Get at a Reduced Price

When you go into a store with a shopping list, chances are you are going to pay full price for everything, and you might even get some of the more expensive options if you shop hungry. So, pull together all your coupons and find as many items that are on sale as you can, then figure out what you are going to make out of these cheaper ingredients. You get cheap meals without sacrificing quality.

Give up a Few of Your Costliest Luxuries for the Time Being

If you like to light up a good cigar or open a bottle of fine wine once in a while, or you enjoy spending a bit more on any other simple pleasure, it may be time to cut back on such luxuries for a while. Yes it’s a great source of joy for you, and helps you stay motivated, but you need to be focused on the big picture. Your ultimate goal for the time being should be to save enough money for a fun holiday, so sacrifice a few luxuries to achieve it.

Sell Your Old Stuff or Your Skills

It’s very simple to get rid of some of your old stuff while earning some money back by selling it on ebay. You can also go to craigslist or sell handmade items – e.g. clothes, jewelry, decorations – on Etsy. Working as a freelancer or holding online classes can be an excellent additional source of income. Try to monetize your skills and hobbies if you can – there is a market for everything these days.

Saving money is usually a long-term endeavor, but you can get some great results within just a few months if you start being very careful about how you spend your money, and look for ways of earning a little bit extra on the side.


Did you know that the average American spends $150 per week on groceries? That adds up to more than $7500 per year! While groceries can be expensive, some people manage to eat well every night of the week but still spend less than $50 weekly on their total grocery bills. Curious how you, too, could save more than $5000 per year on your groceries? Printable grocery coupons are the answer.

Years ago, the best way to get deals on groceries was to clip coupons out of magazines and newspapers. Today, fewer people are purchasing these periodicals but that doesn’t mean that the coupons have vanished! Food manufacturers have now taken their coupon specials online, and if you know where to find them, you can get great deals on almost everything that you buy.

Three of the best sites for finding real printable grocery coupons are: is one of the biggest printable coupon companies and offers coupons from 2,000 brands on hundreds of different types of products. Every month, more than 17 million people use the site to quickly find coupons on everything that they want to purchase. On the home page, you can see all of the latest printable coupons in a continuous scrolling feed. If you want to find coupons for a particular category of food, you simply use a drop-down box to refine your search.

Coupon Mountain launched back in 2001 and is a unique site because it brings together printable grocery coupons with other types of coupons and offers. If you like to shop online, you’ll love being able to find grocery coupons as well as promo codes for your favorite retailers like Kohl’s, Dick’s,, American Eagle, Office Depot and other big names. With this website, you can save money on virtually everything that you buy in person and on the Internet.

Smart Source What’s unique about Smart Source is that the site immediately asks you for your zip code to customize the printable grocery coupons especially for you. This way, the products that you see are ones that are actually sold in your geographic area, and you can take advantage of any offers that are only available at grocery stores in your local area. Another handy feature of this site is that you can select the coupons you want as you browse and then print them all at once to save time.

So how do you use printable grocery coupons? If you’ve ever used a coupon before, you already know what to do. Just print out the coupon and take it with you to the grocery store. When you reach the register, hand the associate your stack of coupons. He or she will deduct them after ringing up your sale.

Stop paying too much for your groceries! There are hundreds of dollars of savings opportunities out there waiting to be taken advantage of, so start getting your fair share of the deals. Get started by visiting printable grocery coupon sites and printing out your favorites.


Whether you’re making a major purchase or a small one, you want to get the best product at the best possible price. That means shopping with a bit of strategy and knowing what times of the year various types of items are the cheapest prices. Here’s a breakdown of how you can save money in every season

In the Winter

Many shoppers mistakenly believe that the best deals of the year are to be had during the holiday season, but that’s just not true. The last week of December and January are much better times to buy many types of items, including men’s and women’s apparel, televisions and home theater equipment. January is also the cheapest time of year to buy furniture, bed linens, digital cameras and most sporting goods. Get your air conditioners, gas grills and tools before the end of March and be sure to check out the Clearance sales for boots, winter coats and winter accessories during the last few weeks of winter to stock up for the following year at the best prices.

In the Spring

When spring has sprung, it’s time to turn your attention on shopping for your home when prices tend to be at their lowest for many commonly used household items. Cookware and vacuum cleaners will be cheapest in April and May. Hit the Father’s Day sales at the beginning of June for great buys on tools. In April, you’ll be able to find great sales on athletic shoes for adults and kids, so get your new kicks during the month.

In the Summer

Summer is the slowest time of year for big discounts, so focus on having fun in the sun during the season. The best deals to be had during the warm weather months is 4th of July promotions on furniture and sales on laptops and computers for the Back to School season that starts in August.

In the Fall

There are many deals to be had when autumn weather arrives. September is the time to buy lawnmowers, and big appliances are at their cheapest during September and October. Keep an eye out for Black Friday doorbuster sales and Cyber Monday deals come November. For great buys on apparel, look for swimsuits at Labor Day Sales and Clearance Sales in September and wait to buy your jeans in October when Back to School shopping comes to an end.

No matter what the time of year, you can often get lower prices on whatever you’re shopping for by sticking with online retailers. Combining coupon codes, promo codes and special offer deals with the already low seasonal pricing can really cause the savings to add up. Always keep free shipping offers in mind when online shopping. At times, adding an extra item to your order can help you save more than the cost of the added purchase in free shipping. Combining the above buying strategies with online offers and comparison shopping before you make any purchase will help you save big all year round.


Every day, hackers develop an average of 74,000 new malicious programs that can steal data, corrupt databases and hard drives and cause major hardships for consumers and businesses that rely on computers. Around 30 percent of all American households are affected by malware every year, and the costs of computer viruses, trojans, spyware, phishing and other online threats to Americans is over $4.5 billion annually. If you want to avoid becoming the victim of a malware attack, there are some things that you must do to protect yourself.

1. Don’t Skip Updates. Windows, Linux and Mac OS X operating systems are frequently modified to address vulnerabilities and reduce exposure to malicious attacks. When improvements are made, they are released as updates that must be installed on your computer. Skipping updates can leave you unprotected from the latest online threats and make you far more susceptible to viruses, spyware and other harmful programs.

2. Be Smart About Online Usage. Often times, security problems arise when individuals aren’t careful to protect their identities online. This makes it important that you use good judgment when creating passwords and log-in names for online accounts. Never use the same password twice and change your passwords frequently to ensure your safety. Whenever possible, use enhanced password protection, such as two-step verification to further reduce the likelihood of your sensitive information being hacked.

3. Power Down. When you’re not using your computer, turn if off. Hackers can’t infiltrate a system that isn’t online, so reduce the window of opportunity by only having you computer on when you’re using it. If slow start-ups make you hesitant to power down, purchase a PC or Mac optimization program to speed up your computer. You can often find discounts on these software programs to make them more affordable to purchase.

4. Open and Download Wisely. Malicious software is often unknowingly invited onto a computer system by the user, making it very important that you use caution about what you click on. Never open email attachments from unknown sources and verify the authenticity of emails from sources that you think you recognize before opening attachments. Be sure that you can trust a website before you download any files from it to avoid contracting viruses and other types of malicious software. Some antivirus software programs, including products from Mcafee, BullGuard and Symantec, will scan attachments before saving them and provide information about the trustworthiness of websites to help you open and download wisely.

5. Invest in Security Software. All computers require antivirus protection, regardless of their operating system, so don’t be fooled into thinking you’re safe due to the type of computer that you use. Getting complete protection doesn’t have to be expensive either. Top antivirus software products like Mcafee, Bitdefender, AVG, Avast, Kaspersky and TrendMicro are often available for reduced prices when you have valid promo codes or coupons. These types of discounts can help you save on both your initial purchase of the software and on your annual subscription to make protection as affordable as possible.