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Your Frugal, Money Saving Websites and Forums a Great Resource for Free Stuff In any economy, it is essential to save money and therefore any way there is to get free stuff is a good way. Many pages online offer help, advice and even coupons on how to save money and be frugal. These websites offer coupons to reduce the grocery or department store bill, send out monthly newsletter with the best moneysaving tips and even direct their visitors to free stuff. Many bigger companies, manufacturers of everyday household items and restaurants offer coupons for reduced price or sometimes free products. Visiting every month all the different manufacturers’ web pages can be very lengthy and proves to be not very efficient. But by visiting one of the sites that cumulate all that information into their web pages, one can save enormous amounts of time and additionally save dollars when shopping. Essentially, when looking for web pages that offer grocery coupons, links to free products and more it is important to make sure that a trustworthy site is entered. On the Internet, viruses and identity theft are a great concern. Of course, many of these online coupon resources require signing up, but it always depends on the information they ask to determine whether a page is fraud or not. In general such pages should not ask for social security numbers, credit card numbers or other account information. They may ask for name, age, telephone number and address. Signing up to one of these wonderful money saving pages is quick and easy. Many of these web pages also offer coupon printers so that the barcode on coupons gets printed legible for the store scanner. Some of the coupons and rebates found on those pages will help the shopper to free products or credit on a store card so that the shopper is able to receive free products at the next shopping trip. There are pages that even offer state customized advice. These pages offer a list of coupons, free products and special offers from certain stores close to the location that was picked as home location. This function offers shoppers the opportunity to exactly know where they are able to get free or reduced products close to home and shoppers do not have to do a lengthy search to find out which stores will accept certain deals and coupons. Some of the pages also offer forums, where other shoppers will post advice or deals that they saw in the area. This is often a great tool to save, since stores will have a reduced sale, a clearance sale after a certain holiday and other shoppers will post where they saw great deals. This way whoever is subscribed to receive alerts from the forum gets to know where great seasonal or short-term deals due to promotions and clearances can be found. The more pages a shopper is a part of, the more deals can be found and the more money can be saved. Money savers are everywhere and with little effort shoppers can save money for college funds, vacations funds or just to have some money for fun. When looking to reduce monthly spending and still trying to stay at a certain standard of living, online resources can be used to just do that. There are many companies, that will offer free trial sizes or regular sizes of new or improved products and to find out about such deals, a subscription to one of the moneysaving websites can help shoppers to more of these free products. It is easy to save money, and the more experienced a shopper gets and the more a shopper learns about saving money with these websites, the more will actually be saved.

Working on Your Own Time: It’s What Freelancing is About (freelance jobs) Do you have a busy life? Do you wish that you could schedule your work around the rest of your priorities? You work to make money so that you can live. You have no choice but to pay for housing and food and other life necessities. Because you need the money, work tends to creep up to the top of the priority list. Other things are more important though. Freelance jobs allow you to put work where it belongs on the list of priorities. You can play with your kids when they’re home, enjoy doing the things you enjoy outdoors while it’s daytime and spend your Sunday mornings at church instead of behind a counter. The work still needs to get done, but you can do it when you have time instead of from nine to five, Monday through Friday or worse, whenever you’re put on the schedule. Kinds of Freelance Jobs Do you have the appropriate skills and abilities to work at freelance jobs? There are many, many different kinds available. Those with professional degrees can consult. While the jobs that result from extensive education generally lead to many hours working for a good salary, your education can lead you in another direction. If you can manage to find the clients, you can work by appointment only, guiding those who do not have the experience or education that you have. If you are not a professional, you may still have the appropriate talents that will get you into freelance jobs. Writing is a very popular freelance opportunity. You live in a world that relies on the written word. You do not go through a single day without reading a considerable amount of text. Someone needs to do all of that writing, and much of it is hired out to freelancers. Actually, any skill that you possess may be suited to freelance work. Check out a few job boards and find out who’s hiring. Tips of the Trade Freelance jobs are out there, but so is the competition. To get yourself to the top of the hiring list, there are a few things you can do. First, use any experience you have to your advantage. Even if a previous job was short term or didn’t seem significant to you, you gained experience there. Let the employers know about everything you can do. Another thing you must do as a freelancer is to be very consistent and organized. An employer will be much more likely to rehire you if you turn out a good product. Everything you turn in should be clear and professional. Always meet deadlines. While most of the freelance jobs are extremely flexible, allowing you to work at your convenience, there are still deadlines. The work needs to be finished when the employer asks for it. Most of the qualities that will get you more freelance jobs only require common sense and a good work ethic. Living on Sparse Paychecks One downside of freelance jobs is that they are not necessarily consistent. Especially if you jump from one job to another, working for different companies, you will not have any guarantee about how much you will get paid each month. The flexibility may or may not be worth the uncertainty of freelancing to you. If you can manage to save effectively, the distance between paychecks won’t matter. If you do get frustrated about always wondering where the next paycheck is coming from, just remind yourself that the trade off is getting to enjoy more precious time not tied to a desk. There are definitely pros and cons when it comes to freelancing. You just need to decide how important it is to you to prioritize your life around what really matters to you.

Why Time Management Makes for a Better Employee Time management is a major issue in the workplace. When time is not utilized efficiently, it leads to sloppy work, missed deadlines, and way too much stress. Employers are constantly seeking ways to teach their employees to manage their time better for a simple reason – a team that manages its time well is a team that is productive and successful. Everyone has done it. You’ve know that there is a big deadline approaching for weeks on end, and you kept telling yourself that have plenty of time. Then, suddenly, it is the day before the project is due, and you haven’t even begun it. You know you will have to pull an all-nighter, and even then you will be lucky to get everything done in time. Your heart is racing, your head is pounding, and you’re cursing your procrastination yet again, thinking about how much time you wasted surfing the next when you could have been doing a little work on the project every day, so it wouldn’t be so overwhelming. The end result of a project like this is predictable. You may get it in on time, or at least close to the deadline, but your work is likely to be sloppy. The rush job you did will be evident to everyone, and if your project involved making a pitch to a potential customer, your time management failure may end up costing your company big money (and costing you a job). As if you were not stressed enough already! If you contrast that performance with one in which you had effectively managed your time, the difference is clear. If you have worked on the project over the entire time span you had to finish it, a little bit at a time, then you would have had time to make sure your work was up to par. You wouldn’t have been scrambling for last minute information to include, and you could have made sure your work was free from little errors like typos or pages that printed incorrectly. Most importantly, you wouldn’t feel like you needed a week long vacation when the project was over, because your stress level never would have hit the roof. So, how do you become a happier and more effective employee by managing your time better? The first thing you can do to become an effective time manage is simple – write yourself a to-do list everyday. Not only does a to-do list help you think through exactly what you need to accomplish so you don’t forget anything in the rush, but it also helps you feel accountable for everything that needs to get done. If you write “spend 30 minutes on the big project” on your to-do list, it is a lot harder to come up with excuses why you can put it off for another day. Your conscience will make you want to get through everything on that list. If it seems like you never have enough time in the day, keep a journal of all of your activities. If you spend 20 minutes chatting by the coffee pot, write it down. After a week, look back over your activities. You may be surprised how much time you actually spend doing nothing. Now that you know, you can reinvest that time more wisely. The last thing is the hardest thing – getting over procrastination. This one is sheer willpower. When those voices in your head start arguing over whether to work on something now or put it off until later, listen to the work now voice. Give yourself manageable goals, like working on something for 15 minutes or 30 minutes, to get started. Once you experience the freedom from stress that time management brings, that procrastination voice will be a thing of the past.