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Saving Money on Wire Transfers

8/27/2016

 
Wire Transfers
My husband and I own a couple of small businesses that we started to ensure that we have more than one revenue stream and are never reliant on one income source. One of these ventures involves shipping and ordering from overseas.

That, in turn, involves making often substantial payments in different currencies.

In the past we have made all these payments using the same banks where we have our business accounts here in the local area where we live.

​Through them we do a wire transfer of the money to the overseas banks used by the companies where we are buying the products, and our banks charge a fee of $45 for the service. 

That would be a very reasonable fee to pay, if that was all there was to it.

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Saving Money Is About Making Spending Choices

8/25/2016

 
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MAKING BUDGET CHOICES
When determining a budget, it’s important to know what’s essential and what’s not. That’s the first step in prioritizing and allocating our hard-earned dollars and trying to find areas to save money.

And that brings me to an important point I want to make about spending and expenses. And that is this: we often have far more discretion in how much we spend, even for essentials, than we realize.

In fact, the choices we make in these categories can have a major and lasting impact on our bottom line.

Here are some examples of what I mean.

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8 Tips for Travel on a Budget

8/23/2016

 
Traveling on a Budget - Kilkenny, Ireland
Note: I make no money off the businesses and websites I mention and/or link in this post. They are simply ones that I have used and liked, or I've heard about through research or word of mouth. 
​My husband and I just returned from a 3-week vacation to Europe that came about because my sons pooled their resources to buy me airline travel vouchers for my birthday.

I am so incredibly grateful to them because we had an absolutely wonderful trip, and I am fairly certain that we would never have taken the time without their push to do so. 

It was a much-needed break from our very busy schedules, and we got to spend it in some gorgeous locales with great historic sites, as well as fabulous hiking and cycling.

Over the course of my life I’ve had the privilege of doing quite a bit of traveling and enjoying some pretty terrific vacations. We’ve been able to do that even though we’ve never made huge incomes because we’ve made it a priority and saved for it by doing without in other areas of our life to make sure it happened.

And being the frugal person I am, I try to get the most bang for my buck in my travel experiences, as I do in everything else. 

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Why Everyone Should Try Frugality

8/14/2016

 
Don't Buy Stuff That You Don't Need
Being the saver I am, I am always surprised to meet people who do not believe it’s necessary to set spending guidelines and limits for ourselves and put money aside on a regular basis.

They figure that saving is either for boring people, or it will take care of itself.

Most often, these are affluent people who probably don’t have to worry too much right now in their lives about finances because they are making big salaries that definitely put them in the  top 5-10% of wage earners.

Cutting back or budgeting just seems so silly to them. They also make a point of providing their children with every possible indulgence, from expensive gourmet food, to their own expensive smart phones, to lavish vacation trips, etc., etc.

 But here’s my concern. 

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How A Frugal Lifestyle Saved Us From Ruin

8/7/2016

 
Practicing Thrift on the Little Things
YOLO. For anybody who doesn’t know, that’s the modern-day lingo for “you only live once”. And it’s typically uttered as a repudiation of a frugal or disciplined lifestyle choice of any kind. 

​And I get it. Thinking and talking about budgets can seem, oh, so boring and like such a downer when there’s so much life to be lived, so much fun to be bought.

But here’s the thing: being frugal can actually be incredibly freeing and empowering.

​It can buy you – over time – a level of choice and independence in your life that the YOLO attitude can never accomplish. And in more stark terms -- it can save you from debt and impoverishment. 

I know this because I’ve lived it. 

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    Hi, I'm Nancy Maje Gillis, and I hope to help you find ways to live more cheaply and mindfully to  help you get through this uncertain COVID-19 time  so that you have less stress and more money in your pocket.

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