Category Archives: Money saving tips

How Did Cheap Credit Card Processing Change Small Businesses?


Image courtesy of Stuart Miles at

Image courtesy of Stuart Miles at

In the past, for a business to offer credit card processing they had to pay a pretty penny. Some processing companies require setup fees and equipment rental payments while others charge fees for processing each credit or debit card. Such fees can add up and lead to many small businesses not being able to process credit/debit card transactions. This, of course, leads to the loss of customers which can be detrimental to the business.

Thankfully, cheap credit card processing options have entered the picture and merchant services are offered at a premium.  Small businesses can sign up for merchant accounts and have access to POS solutions with no fees and little to no startup cost. Such companies as Merchant Account Solutions have made it easy for small businesses to begin to accept credit and debit card payments.

Small businesses have several options with such companies as MAS including mobile payment solutions, credit card readers, and tablet devices. You also have the option to integrate additional features based on what your business requires. Small businesses have benefited greatly from installing such systems for credit card and debit card payments. wo

How Has This Changed Small Businesses?

With the affordable credit card processing services, small businesses can compete with medium to large competitors. In the past, without credit/debit card transaction options, small businesses would lose customers. Trying to keep up with fees from processing companies has led to many businesses closing up shop. Now that a cheap option is on offer, small businesses can thrive and grow, providing the same great payment methods as their larger competitors.

Overall, small businesses have a better success rate when being able to accept credit and debit card payments. By working with such companies as Merchant Account Solutions, these businesses can offer the same payment methods, which create return customers and a thriving business.

Saving Money to be a Stay at Home Mom


calculating household expenses

Image courtesy of Stuart Miles at

At one time, it was almost a given that moms would be stay-at-home moms. In fact, it was actually a given that women would stay home in general. Now, with more and more women entering the workforce couples often plan their lives around having two salaries and it can be a severe hardship to go from two salaries to one. For women who want to be stay-at-home moms, it often takes a great deal of saving, budgeting and financial discipline to make it happen – but it is certainly possible. Here are 4 great ways to save money in order to fulfill your dream of being a stay-at-home mom.

1. Stop eating out regularly

When you work a full-time job, it’s hard to find time for cooking and meal prep, but eating out can cost up to 3 times what preparing the same meal for yourself may cost. There are a vast number of ways to make quick, easy, inexpensive meals that will help you save money on food expenses. Slow cooker meals in particular are great because you can generally throw the ingredients in the cooker in the morning, have a full, complete, home-cooked meal when you get home and still have enough left-over’s to take for lunch the next day. There is almost no limit to the wide variety of meals you can make in a slow cooker, so you can make a slow cooker meal every day and still enjoy a vast variety of dishes. Of course you don’t have to cut out eating out entirely, but save it for date night or a few special occasions. Eating out may even become a special treat once again instead of the same daily ho-hum event.

2. Cut the cable

With the wide number of free and low cost apps available today ranging from Hulu to Netflix to HBO and Showtime paid apps, it’s easier than ever to save a great deal of money every month on the cable bill. Just be careful, however, because those monthly bills add up and you could end up spending more on apps than you did on cable. Most of them offer month to month subscriptions, however, so you can also rotate which ones you want each month.

3. Do some work online

No matter how much you scrimp, save, pinch or cut back, there are always going to be lean times or times you need money fast. There has never been a better time for stay-at-home moms who need to make money fast to do just that. From photography skills to writing to admin skills, you can market your skills online through a wide variety of platforms. Best of all, with many online platforms you can often get paid the same week you start working.

4. Set up an automatic deposit to put a certain amount of each paycheck into savings

If you already use automatic deposit at your work, you can generally have your employer automatically deposit a certain amount of your paycheck into a savings account each pay period and the rest into a checking account. Money is often easiest to save if it never passes through your hands in the first place. If you can’t set up an automatic deposit into savings through your employer, try doing the same thing through your bank instead.



Setting Up Your Home Office on a Budget


Image courtesy of WorldWideStock at

Image courtesy of WorldWideStock at

You have just landed your first work from home job, congratulations! But now comes the scary part. You actually need to transition from working from someone else’s infrastructure to your own office space! If you have never set up a home office before, you are probably realizing now that you have a bit of expenses coming up. Fear not, however, as a lot of this stuff is tax deductible, if you are working as a self-employed person. Even if you can write off a lot on taxes, however, you still need to worry about your spending in the short term, as it will be an entire year until you see that money “come back” to you.

If you want to set up a home office that will set you up for success, and at the same time not cost a ton of money, you really need to think about just where you are going to source your materials. If you love shopping at Office Depot, you are already on the right track. You want to source high quality, so that you do not end up buying the same items multiple times.

At the same time, you want to make sure that you are not spending a ton of money on those high quality items, so you need to find a cheap source for them. Thanks to Office Depot’s new partnership with Groupon Coupons, you can save a huge amount of money on all of the items you need to be successful in your new home office. Whether you need a desk, an extension cord, a mini-fridge, or even just printer paper, you know that Office Depot can hook you up. And if it is a good deal that you are looking for, you will love what you see at Office Depot’s Groupon Coupons page. Just take advantage of deals such as $10 off, 20% off, and even 50% off through Office Depot’s Groupon Coupons page, and you will have your home office set up on a very small budget in practically no time at all. Congratulations again on landing your first work from home job!

New Phone


oppo f1 s phone

It’s a rainy Sunday and you know gloomy the feeling when you want to stay in bed much longer, but I want to go to mall as they are having a 3-day sale, it was the last day and I don’t wan to miss this opportunity of buying a new phone with big discount lol.. Thankfully hubby is very understanding and told me to get ready because he knows I’m badly needing a new phone with good camera right now for my work as blogger, the old one is not working well anymore. So off we go and luckily the rain stopped with only a drizzle to booth. I didn’t find the brand and model I was looking for as it was already phased-out and replaced with new models.  🙁 Anyways, I found a better one with upgraded specs and lots of freebies; free sim card, 16 gb memory card and transparent jelly case, not only that, also got it at 0% interest for 12 months using credit card, which is fine on my budget.

Now I have a new mobile phone while doing a research on epiphone 339 for an electric guitar, I tried the camera and loved the results, the shots are so clear and the color is so vivid because of its high definition resolution – 13 MP on the rear camera and 5 MP for front which is very good for doing selfies, 🙂 it’s the OPPO F1s. I’m very excited to use this when attending product events for live coverage to share photos and videos on social media.

Benefits of Multi Use Condos

Generations ago, it was common for families to live above shops and work spaces.  City center town homes allowed families to live upstairs and run a business from the street level.  While quarters were tight and often housed several generations, it was considered very efficient.  Many owners of shops such as hair salons, general stores, and hardware stores had residences on the second floor. Often the grandparents would tend to the younger children while the parents worked in the store downstairs. This live-work arrangement began to become less popular with the advent of cars and eventually the explosion of the suburbs.

Image courtesy of sritangphoto at

Image courtesy of sritangphoto at

The cycle is returning. More and more cities are including live-work zoning in city centers. The benefits are many.  It lends itself to the development of a very strong community, promotes a healthy lifestyle and reduces the number of cars in the city center.  With the advent of the internet, many people are able to work from home.  This requires a strong self-discipline and the commitment to start and stop work at consistent times. This work arrangement also tends to be isolating. Being accustomed to the camaraderie of co-workers and then working alone from home presents its own level of challenges. Reaching out to co-workers through email, texting and video conferencing is critical for both social health and staying in touch with developments and changes at the office.

Living above a storefront or professional practice such as a dental, attorney or CPA firm has a multitude of advantages.  First, there is a clear separation of work and personal life with defined spaces. As with telecommuting, the dreaded commute in heavy traffic is avoided. Working in a retail store or professional firm affords the advantage of daily interaction with customers, co-workers and venders. Small business owners are often very engaged in the local community through civic work and volunteerism. Non-profit boards often seek the advice and support of local business owners.  If you’re fortunate enough to live in a city that has instituted progressive zoning laws to allow live-work housing, give serious consideration to this lifestyle. It’s healthy on so many fronts. Good luck!