save money smarter

Feeling short of money? Make more and spend less!
You want to go where money is? Watch prison break first!
It's so much easier said than done to save money. Well, somebody has given lists such as cutting your coffee, less entertainment, less shopping (no, you are killing me)... That works for your money but not for your life, because you save for a better one.
To better manage your money, here comes some tips:
First, set your goal in short-term and long-term. There must be something you want in desperation, like a car, a macbook. You will figure out what to cut to have your dream come true. Yes, you are not really saving money here, but you find the ways.
Second, make a budget and prioritize your spending. Track your monthly expenses and calculate the average for your regular payments (Rent, Phone Bills, utilities, gas etc.). Shopping and entertainment may change from month to month, set a minimum. When you have a total spending plan for the next month, save all the surplus for investment or open a savings account.
Third and the smarter way, when you have to buy something, find a cheap one. Actually this is easy because you are online. DO NOT save your cable expense.
The Internet has changed our way of life: Users get greater access to information than ever before. It also offers many opportunities for saving money. As online shopping has become more and more popular, businesses have been pressured into not only maintaining an online presence, but also competing for a thriving global consumer base. Online deals and specials are powerful persuasion for potential customers, and are therefore used by many retailers. If you know where to look, you can find many ways to save money online, such as traditional coupons that you can print out and carry with you, and online coupons that use links or coupon codes to save you money.
There are two ways applying the discount for online stores: linked coupons and coupon codes . With a linked coupon, you simply click on the link, and it takes you to the online store via a special URL; then when you finish the shopping, your savings will be applied to your shopping cart automatically. A coupon code is a special code you will need to enter when you check out. Because online stores depend on online coupons and promotions to boost sales, these codes are very easy to find. There are many websites dedicated to listing current online coupons and coupon codes such as couponcabin.com , couponsmarter.com etc. Most of these sites offer a search feature to help you find exactly what you're looking for.

Average Credit Cards with Great Rates

Average credit cards are usually low on features and carry higher rates when compared to other credit cards. Most of the credit cards that consumers will find online are designed for people with very good credit or poor credit. However, in today’s market, the average credit scores nationwide for consumers have been trending downward. This is forcing banks and credit card issuers to focus on consumers who have fair to average credit more so than they have in the past.
When shopping online for average credit cards, consumers are typically offered credit cards that are geared towards consumers who have poor credit. This is simple economics, credit card websites make money when you are approved for a credit card, and credit cards in this class will allow them to get more credit cards approved. Unfortunately, in this scenario the credit card issuers win and the consumer loses.
However, if you know where to look, and which cards to apply for, consumers with average credit can find great deals in today’s credit card market. They may be buried on the last page of most credit card websites, but they do exist. Direct Banc is one of the few credit card websites that prominently displays the best of the average credit cards up front. These credit cards will carry the lowest rates and the best features for applicants with fair to average credit. Here are a couple examples:
IberiaBank Visa® Classic Card ��" IberiaBank is directly related to Pulaski Bank, one of these two banks recently bought the other one, I’m really not sure how it went down. Nonetheless, they offer a great credit card for those who have average credit. This credit card, like most credit cards, has a variable rate that hovers around 4% - 5% their credit threshold is stated as “Average”.
Average credit is an unclear term, and each bank has a different definition of what “average” is. What we have noticed at Direct Banc, is that IberiaBank defines average credit as one who has a few bumps and bruises on his or her credit but generally pays their bills on time. Ample discretionary income and residential stability are key factors for them as well.
Another great credit card for average credit is the Capital One® Platinum card. This card offers a low 8.9% interest rate for those with average credit who qualify. One of the great features you will find with this card is a 0% balance transfer feature. Transferring a balance from another card to a 0% interest rate will give consumers a huge break on their monthly payments. As with all cards, we suggest that you read Capital One’s® important disclosures for More Information.
Finding average credit cards for fair to average credit may be a little harder than hopping on a website and applying for the first card that you see displayed. Most of the cards you will see prominently displayed are either aimed at consumers whose credit is very good, or those whose credit is very poor. However, if you take your time, read the fine print, you can find great deals on average credit cards.