Tips for Saving in 2017

We all have many New Year's resolutions that we hope will lead to a better life, but so often those goals fall to the wayside only to pop back up for another failed attempt again and again. 

Things like "Dry January" is the obvious one but let's face it: savingmore money has to be a close second. If you have health and wealth you're in pretty great shape, but the problem is that often too many people try to make huge, sudden, and massive changes and it proves to be just too much. 

So what types of small, easy, and basic tips can help to make sure you actually make your financial goals in 2017 instead of having to make the same resolutions for 2018?

#1: Plan Your Savings Goal

Without a plan, you have no chance. If you don't know how much you want to save in a year, you're not going to make that number. If that's the only number you have, you can't break down what you need as monthly and weekly goals. Choose a reasonable goal, give yourself a little bit of leeway (but not too much - like planning out 48 or 50 weeks instead of the full 52), and set up a spending and savings plan that can help you reach that.

Self discipline is much easier when you have a clear path and plan to follow.

#2: Get Rid Of Temptation

You can't be tempted if the temptation isn't there. One of the best ways to save is to have part of your check sent to an account in another bank, one which you cut up the debit card for or don't set up online banking - meaning it would take a lot of extra effort to go and raid your savings. The harder it is to do, the less likely you are to do it.

#3: Track Expenses For One Month

Two months is a little better, but one month is generally enough. This is tracking, not budgeting (though that is also a good idea). You want to see where every single penny of the money you're spending is going so you can make a realistic accounting of what your actual expenses are.

Use this to trim the fat and make small changes for big savings.  I tried this earlier this year and found to my shock just how much I was spending on my morning coffee.

#4: Set Up A Budget

This is generally best done after tracking expenses for a bit so you're not underestimating expenses or overestimating your resolve. There are plenty of resources for creating and sticking to a budget so take advantage of them!

#5: Take Advantage Of Small Adjustments

Using coupons for the first time, buying stuff during sales, or even making small adjustments like "the cheapest soda" versus "brand X at full price" are all little changes that can make life altering differences when all the savings are added up over the long term.

#6: Use Technology To Your Advantage

This could mean finding great deals online that are better than what you can get in person. This could also mean activating rewards programs for a credit card (although not using one at all is better if you can manage that) or there are even high quality saving apps that can be set up to make saving money relatively painless and much easier than using good old fashioned resolve, there are also a lot of money saving apps, aswell as finding freebie and free sample sites.

#7: Reward Your Momentum

You know what makes willpower much easier? The occasional reward. If you track your momentum so you can actually see yourself gaining on your goals then you are going to be encouraged and keep going with that. Don't completely starve yourself of fun. There's no reason for it, and that is often counter productive. Check on your progress every so often, make corrections or increases as you see fit and give yourself some small little celebration for making a goal.

Whether that is an ice cream during summer, one meal at your favourite bar, or something else entirely, you have plenty of options.

Follow these 7 tips and you will be far more likely to reach your savings goals!

*Collaboration Post

The Benefits of E-Cigarettes When Quitting Smoking

One of the least things I am proud of this year is that I am still smoking.  This is especially irritating considering that only a short time ago, I quit for two years.

When I quit smoking the last time I stopped completely.  Right away, cold turkey.  Although this was very, very hard, I managed it.  This time though I think I am going to need some assistance. My life now is very different to when I quit before and I cannot rely on will power alone. 

According to a major report that was done by the Royal College of Physicians, E-cigarettes can be beneficial to those and should who smoke should be encouraged to use them in lieu of regular cigarettes.

The report, all 200 pages of it, has sifted through all of the various devices and made an effort to clarify the conflicting advice on their usage. The conclusion is that in spite of the myriad of concerns regarding e-cigarettes, they don't work as a "gateway" to smoking for those who aren't smokers and those who are using them had already had a long established habit of being a smoker.

It goes on to further suggest that those who smoke may fail if they don't wean themselves off of tobacco products by trying something like an e-cigarette. It may help them in the long run, to successfully cease smoking. In this fashion, the e-cigarettes work as a gateway to help them quit.

According to the report, the conclusion is that an electroniccigarette are quite likely to be more beneficial in helping the public stay healthy and helping a smoker to stop smoking. They are by and far much safer than regular cigarettes.

According to John Britton, Professor of Royal College Of Physicians Tobacco Advisory "Group, the growing trend of e-cigarettes works well as a substitute for tobacco smoking and has long been a controversial topic with a lot of speculation regarding the risks and the benefits of e-cigarettes.

The report goes on to lay to rest nearly all of the concerns over e-cigarettes in comparison to regular cigarettes. It is believed that e-cigarettes have a great potential to give a major contribution toward preventing premature death and disease due to smoking. Smokers should understand that the use of an e-cigarette in lieu of regular tobacco products may go far in helping them to stop smoking forever.

According to Jane Dacre, Professor, The report builds on the current and existing work and has concluded that the risks involved are far less for e-cigarettes than for regular tobacco cigarettes. This could, in turn, hasten the potential for a tobacco free society. By using careful management and proportions, those who do smoke can greatly reduce the amount they smoke when they select e-cigarettes over regular cigarettes.

It's estimated that 2.1 Britons currently choose e-cigarettes over regular cigarettes. This figure is on the rise and since 2007 when the e-cigarette was introduced they have been successfully marketed as a method to help smokers wean themselves off of their nicotine addictions. The e-cigarette delivers a lower dose of nicotine and helps to reduce the cravings of a cigarette. By moving to lesser amounts of nicotine the person is weaning themselves off of harmful cigarettes.

Thus, cigarette use is in a slow decline for the UK. At present 18.7 percent of all UK adults are smokers and the rates are continuing to drop.

*In  collaboration with Simply Liquid