Category: Personal Finance

How to find designers for your print projects


Overnight Prints CouponsSince this blog is all about saving money, I thought I’d spend some time in this post talking about how to get graphic design done inexpensively.

Printing business materials can be costly. I mitigate this cost to some extent by using discounted online printing companies like Printplace. The other major cost associated with printing is design. As you may have learned the hard way, hiring designers can be rather costly. In this article, I will go over some cheap ways to design your printed materials.

  1. Do it yourself
    This clearly is the cheapest option, but unless you have some inherent design talent, it’s going to be hard to produce products that are visually attractive. You can purchase books or take online classes at sites like Lynda.com to learn some basic design and how to use tools like Photoshop. But be aware that becoming a competent designer will usually require hundreds of hours of work. Once you have the skills, however, you can save a lot of money as long as you have a quality printer and lots of ink. Ink costs can easily add up, so I suggest purchasing ink cartridges online at discount stores like Inkfarm. For the latest inkfarm coupons, just go to inkjetprinterdiscounts.com.
  2. Use Fiverr
    If you are okay with semi-professional design, then Fiverr is a good place to find some competent designers. You can get logos for as little as five dollars, but you shouldn’t expect spectacular quality work. That said, I have used a number of Fiverr designers who are fairly good at what they do. It may be a gamble, but the good news is that Fiverr is cheap, so you won’t be risking much money.
  3. Hire a student designer
    Students love having the opportunity to do real work, and you may be able to find a talented student who is willing to do work quite inexpensively.

One you have your product designed, the next step is to order printing. As mentioned previously, I prefer to use Printplace. As of this writing, there are quite a few Printplace coupon codes that you can obtain online. These coupons will allow you to save money on postcards, posters, brochures, business cards, and many other items.

Using coupons for Halo Cigs


When it comes to electronic cigarettes, there are two ways you can go. You could purchase unbranded, generic products and save money as a result. Unbranded products are typically sold based on battery size and features. For example, for small batteries, you’d want to pay attention to weather the battery has KR808 or 501 wiring. Besides that, you’d just look at the price and buy a product that seems to be a good deal.

halo g6 cartomizersNeedless to say, purchasing generic ecigarettes can be a bit like rolling the dice. I’ve gotten products that were quite good, as well as others that ended up being quite inferior.

The second approach to buying electronic cigarettes is to stick to well-known, trusted brands. If you follow this particular shopping strategy, you would want to read reviews of electronic cigarettes online. Some famous brands you should do research on are Blu Cigs, Halo Cigs, V2 Cigs, and other similar brands.

On average, purchasing from trusted brands means you’ll typically have to pay about 20% more for the products you buy. A small e-cig battery, for example, may cost you $12 or $13 as opposed to $10 for a generic brand. The upside is that you’ll usually be getting a better quality product. Also, if you use online coupons, such as this Halo Cigs coupon that you can get if you head over to E-cigbargains.com, you can get a bit of a discount on your purchase as well.

My favorite brand at the moment is Halo Cigs, and I particularly like their G6 batteries and cartomizers. After having tried a number of other brands, I find the G6 to be a longer lasting battery that requires less of a pull to activate (for the automatic batteries) compared to other brands I’ve tried.

One final point: In our last blog post, we talked about ways to save money. It turns out E-cigs are way cheaper than regular “analog” cigarettes. So if you happen to be a regular smoker, making the switch over to E-cigs is a smart move both for your physical and financial health. Depending on how many cigarettes you smoke a day, you could easily save $1000 or more every year by using e-cigs instead of normal cigarettes.

A brief guide to saving money


Personal FinanceLet me start by giving you some advice on personal finance that I have learned over the years. The simple fact is that there are no shortcuts to saving money and doing well financially. Wealth must be built up over a long time. But on the other hand, you must have a plan to become successful. Even a simple plan will do. In fact, when it comes to personal finances and saving money, a simple plan is sometimes the best, since they are easy to remember and easy to follow.

Let’s start by talking about income. We all make a different amount of money, but unless you are living under the poverty level, you should still have some money left over to save. A good number to start with is 10 or 15% of your income. I always advocate putting away this money automatically into a retirement account, so you can’t touch it at all. If you don’t have an emergency fund, you’ll also want to create one, and have about 6 months of living expenses saved in your fund. This way, should you lose a job or encounter some sort of life difficulty, you won’t have to go into debt. Discipline is key to making any kind of savings plan work.

Next, you should work to get rid of all debt, except for mortgage debt. Most credit cards charge a very high APR, and this literally eats away at your money. Cutting down on debt takes years, and requires a good amount of planning. I recommend using calculators such as the one at CNN money to help you calculate how you can get yourself out of debt. If you don’t know much about debt, it’s also a good idea to talk to a knowledgeable friend or a debt counselor so you will better understand why it’s so important to reduce your debt levels.

But learning to save money is only half the equation. In order to get to a point where you have money to save, you also need to learn ways to cut down on your spending. Most of us spend way more than we need to, and this is not that difficult to change if you put your mind to it. Let’s go over some basic things you can do.

First, always looks for deals online when you are shopping. I’ve found over the years that whatever I wish to buy, I can almost always find a better price online. Good places to look for deals are large e-commerce sites like Ebay and Walmart.com. Look for free shipping deals if you can, and also make sure you search for online coupons, which can instantly slash the amount you pay for a given product. Familiarize yourself with deal websites and coupon websites, and bookmark your favorite ones. A couple good sites to help you get started include retailmenot, coupon.com, and my favorite, http://couponleaf.com/.

Get into the habit of comparing prices before making a purchase. This can be a bit of a hassle if you like shopping at physical stores. But shopping apps are giving consumers more and more power. If you shop online, it’s a great idea to bookmark some price comparison sites. They should be the first place you go to when you’re thinking about making a purchase.

Next, you should cut down on unnecessary spending. Do you really need 200+ cable channels? How many channels do you actually watch? Many Americans are getting rid of cable altogether. This doesn’t mean you have to forgo watching TV altogether, since many programs are now available online on sites like Netflix and Hulu. There is also a new site called Sling that allows you to watch dozens of popular cable channels for just $20 per month. If you are interested in this option, consider reading this Time Magazine Article on cutting the cord.

Make sure you also watch this CNET video if you’re thinking about doing without cable:

Another thing you can do to cut down on your expenses is begin buying used goods. Some people balk at this, not wanting used items. But think about all the waste that is created by people not taking advantage of used items. Places like Goodwill and Craigslist are great resources for finding used items. You can often get terrific deals on things like furniture, bicycles, and electronic items by using such resources.

Last but not least, try eating out less. This includes visits to places like Starbucks, where you end up paying a rather astronomical amount for coffee. A meal prepared at home may only cost a few dollars, but if you go out, it can easily end up costing $30 or more. This doesn’t mean you have to stop eating out altogether. It’s always a good idea to treat yourself once or twice a week. But many of us eat out almost daily, and this can be a serious hit to your financial well-being.