How to Curb Impulse Spending

It’s not your fault that you’re an impulse spender. The economy encourages you to be. What do you think all that candy and those magazines are doing at the checkout stand? It’s not convenience for you. It’s a tactic created in hopes that you’ll make a last second purchase on your way out. And sometimes you do. Here are some tips for cutting down on impulse spending, whether it’s in-store or online shopping that you tend to slip up.

Use Cash

We can’t use cash for everything since we make a lot of purchases online. But if you’re making an in-person shopping trip, like going to the grocery store, using cash can be a great way to stay on budget. When we’re using cash we can set an actual limit that might not be found on a credit card. At the same time, we tend to have more of an awareness of how much we’re spending simply because we see the cash leaving our hands.

Make a List

You might already be making shopping lists to help you keep track and remember what you need to buy. Make it a rule that you have to stick with the list. Occasionally you’ll remember something that you really need and in that case, it makes sense to throw it into the cart. But know the difference between needs and wants so that you can avoid coming home with tons of stuff you don’t actually need.

Sleep on It

Impulse spending happens in the moment. But most items that we actually need will still be available tomorrow or next week if we don’t buy them today. When you see something that you really want make a deal with yourself to sleep on it. Many times you’ll realize that the initial excitement wears off a bit or you remember that you already have a similar pair of jeans in your closet. If you can’t stop thinking about something after a few days then at that point consider if it’s worth treating yourself.

Compare Costs With Your Real Wage

You probably know how much money you make in an hour. Don’t forget that number when it comes time to shop. Some smoothies cost nearly minimum wage, and someone living off that salary probably wouldn’t be able to justify working for an hour to buy one. But when something is a need or a truly exciting want, then you’ll be happy to trade your time in work to buy what you want.

Remember Your Goals

If you have long-term saving goals, refer to those when you get the urge to shop. Often our impulse to buy is simply a pleasure seeking response. Remind yourself that you’re saving up for a vacation or a special purchase that will feel way more exciting that giving into this sale today will. It can take some time to retrain yourself if you’ve been an impulse shopper all your life. But it’s definitely possible with some awareness and dedication to change.

Are you a fan of online casinos? Now you can make money while having fun!

When you visit online Canadian casinos, the general idea is you have some fun, right? Well, why not earn some money while you’re at it! With only a few tips, you can learn to make extra money with each game you play. All you need to do is make use of a strategy when entering the amazing world of virtual casino gaming. Nektan add even more games to their white label, so there are lots of places you can play these days. Have a look at the following tricks to help you combine work with pleasure.

Know the difference between luck and skill

Online casino gamers are still in high debate over games either being luck-based or skill-based. In order to make money from a certain game, you need to know what the difference between a luck game and a skill game is. A luck game is usually a game where you play against the casino. The casino will have the long edge and will ultimately win most times. Although it is possible to make money by making use of pure luck, the risk of losing it all is large. However, when you play a skill-based game, a get to compete against other gamers and by making use of your gaming skills, you can get the higher edge, giving you more wins and more money. With that said, rather game with skills than luck.

Play the games you are good at

When gaming at an online casino, you will be introduced to a wide variety of games you might have never heard of before. If you are serious about making money, you need to stick to the games you know. Perhaps you are an expert Poker player or Rummy player. You know the rules, you have learned a few tricks and you are confident in beating your opponent. Should that be the case and you can make use of your skills, it would be a great choice to make some money while playing a game you are good at. However, there is nothing wrong with trying to win something at a game you are not familiar with. A rule of thumb here though, is not to bet huge amounts of money on the game until you know exactly how the game works and what the payout rules are.

Slots machines

Playing slots machines is one of the easiest ways you can make money as you don’t really need a specific set of skills in order to win. Although some slots may take a while to pay out, with some strategic thinking, you can still walk away with the jackpot! Many progressive jackpot machines offer huge rewards and if you manage to make the screen light up with all symbols showing the same icon, luck is on your side. Yes, slots machines are generally seen as a luck-based game as you have no control over the symbol combination. But none the less, slots machines are one of the top choices when it comes to winning big.

Bonuses, rewards and promotions

One very simple tactic online casino gamers can follow to maximise their chances of winning is making use of rewards, bonuses and promotions. Each online casino has its own reward system and it is up to you to find the one with the most handsome ones. When you sign up at a casino, you will be rewarded with free spins at slots machines, cash back on your deposits as well as other enticing features. These rewards will help you get an even better advantage of winning some big bucks. Casinos also offer weekend and month-end promotions such as topping up your account. That way, you can have extra tries at games that will potentially make you much richer! However, make sure the casino lives up to its promises when offering cashback or deposit bonuses.

While taking the above-mentioned tips into consideration, the notion of making money while relaxing is a great way of mixing business with pleasure! There is no way for you to actually “beat” an online casino game, but with a strategy or two up your sleeve, you can increase your chances of walking away with a bulging wallet much greater.

5 Ways to Save Money when Traveling

It’s no secret that travelling is expensive. According to American Express, the average cost of a vacation is over $1,100 per person. For many, this amount just isn’t attainable, so they simply don’t ever take trips out of fear for what it will cost.

It’s possible to take a vacation without spending a fortune, though. Driving is almost always cheaper than flying, especially for multiple people. Road trip expenses can add up quickly though, so it’s important to plan ahead to avoid spending more than expected.

Ready to make some memories on the road, but want to stick to a budget while doing so? Here’s 5 tips to save money on your next road trip.

Pack snacks

Head to the grocery store a day or two before your road trip and stock up on your family’s favorite snacks. Think about things that will be easy to keep fresh while you travel, and plan to eat any perishable snacks (fruit, veggies, hummus, sandwiches) on the first day (or have a good cooler in the car).

Don’t forget drinks – bottles of water, cans of soda, juice boxes, and other drinks are great to bring in a cooler on your trip. If your overnight accommodations have a fridge, chill your drinks as often as you can to keep them cold. If your hotel offers free ice, take advantage of the opportunity to re-chill your cooler for free.

Even if you splurge (within reason) on some of your family’s favorite special treats at the grocery store, you’ll still save money. You can often buy a package of food for close to the same price as an individual serving at a convenience store. It’s tempting to run in for a snack when you’re stopping for gas or a restroom break, but having plenty of snacks in the car will save you money.

Don’t overpay for sleep

It’s fun to stay in hotels when you travel, but it’s also super expensive. With the average cost of a hotel room in the United States during peak summer travel months at around $130, the cost of a bed really adds up and can blow your budget fast. If you choose to stay at a hotel, plan ahead and book your room before leaving for the best rates. Some chains offer deals for staying at their hotels multiple nights in a row, which is definitely something to look into as well.

If you have friends or relatives who live on or near your path, spend a night with them instead of shelling out for a hotel. This might also include a home cooked meal, which can be a bigger treat than expected after several days on the road.

Another option is to rent with AirBNB or VRBO (always ask for a discount!). It’s often possible to find cheaper accommodations than a hotel, and you can book a place with a kitchen and save money by cooking your own meals.

Dine cheaper

Small, locally owned restaurants tend to be cheaper than chains. Ask for recommendations at your hotel, the gas station, or look online for suggestions of the best local restaurants to check out at meal time. You might save money while also supporting small business owners, and who knows when you will find a hidden gem. Eating a large meal at lunch instead of dinner can also save money as many restaurants offer reduced prices on their lunch menu.

If you stay in a hotel, book one with free breakfast. Even if you don’t normally eat breakfast, taking advantage of a free meal in the morning can reduce food costs if you can skip lunch and snack through the afternoon. Don’t be afraid to grab an extra piece of fruit as you leave breakfast to take in the car for later, and be sure to fill up your insulated thermos with coffee to stay caffeinated without a $5+ latte.

Car Maintenance

Take your car in to have it looked over before leaving on a long trip. If there’s any concerns, it will save you a significant amount of money and stress to be able to take care of the issue before hitting the road. is a great way to look for the cheapest gas prices near you. While a few cents per gallon savings may not seem like much, it adds up quickly!

Bring cash

Withdraw cash to have on hand before leaving town. If you find yourself somewhere that doesn’t accept plastic, or end up needing to pay a toll road, withdrawing cash at your financial institution before leaving town can save you from ATM fees on the road. And, while you’re at the bank, be sure to tell them you’re headed out of town to prevent out of state charges from being flagged as fraudulent.

It’s also a good idea to keep emergency cash hidden safely in your car should your wallet get stolen or your credit card get shut down for fraud. It’s always a good idea to travel with more than one payment method, and cash as a backup is best.

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