How to Save Money and Budget Smarter All Year Long

How to Save Money and Budget Smarter All Year Long

This is a guest post by Emma B. Joyce, a blogger based in Australia. and a true home decor and DIY fanatic.

Do you find yourself looking at your bank account feeling surprised and confused? Regardless of how much money you earn, you constantly feel like you’re not in control of how much you’re spending? Even when you plan on saving money, you end up spending it all on unexpected expenses?

Don’t worry, it happens to all of us.

What you need to know is that you don’t have to give up anything and still manage to save money. However, this doesn’t really come overnight, but you should develop a few new habits.

So, if you’d like to know how you can save a few bucks, take a look at some of these suggestions.

Smart shopping.

What does it mean to shop smart?

First of all, it means you should be aware of discounts. Buy only what you need at the moment at any price, but when it comes to buying supplies or long-term necessities, wait for them to be on discount and then buy loads.

You can also visit mega markets outside of town, they usually have lower prices, so you might consider this next time you need to go and buy a bunch of things. If you shop mainly online, be aware of when certain retailers have their biggest sales during the season, or even the year, such as Amazon Prime Day.


Using coupons is merely a matter of habit.

Those of us who don’t usually use them always think how we should, and yet we never do. We simply admire some of our friends’ abilities to find such amazing offers.

Well, it’s not that difficult, you can do it, too. It just takes a little time to do some research on websites that offer coupons for various things. They’re even divided into categories! Start small; for example, buy a massage coupon or a lunch or dinner. After you realize how simple it is, you won’t be able to stop.

First-minute traveling.

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Many people think they need to give up a vacation because money is tight. Well, sometimes this is true.

However, at other times, it’s just a matter of good organization.

For instance, if you’d like to travel to the seaside in the summertime, try and find out when you’re going to be free from work and book a vacation well in advance. This will enable you to have the vacation you wanted at a much lower price.

Traveling off-season is also a good way to save some money. Sometimes it’s even better because there are fewer tourists around you and the atmosphere is more peaceful.

Know when not to spare money.

Sometimes saving money in the long term means spending lots of it at one time.

You need to learn to make a difference between situations when it pays out to buy something cheap and when it definitely doesn’t.

One of these things is repairing your house. For example, quality electrician services are always worth it; they may be expensive, but your electricity bill will be much higher for months if you hire a bad service.

Stick to your budget.

This is a tricky one, especially since people are prone to forgiving themselves for mistakes.

Perhaps setting a monthly budget is too difficult, but try and set a weekly budget and stick to it.

It will do you no harm if you skip that third coffee today or that candy snack you feel like eating.

Set aside money for things you actually need and leave the rest for luxuries. This way, you won’t have existential problems and you’ll be able to balance your additional expenses more easily.

Save extra money.

There will come a time when you receive an unexpected bonus at work or a gift. Since you didn’t count on this money, you should leave it aside and save it.

Surprising expenses may and will arise, so why wouldn’t you already have a stash that can solve your problems instead of struggling when having to overstep your limit?

As you can see, you don’t really have to give up luxuries in order to save money; it’s all about good timing and good organization.

If you follow these tips, you’ll surely be able to save money. Of course, the results take some time, but they will come.

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How Murphy’s Law Can Influence Our Goals and Personal Development

How Murphy's Law Can Influence Our Goals and Personal Development

Murphy’s Law has been the subject of scientific debate and comment for generations, with the concept first emerging in discussions from the late 1800s. It is best categorised as an example of the Second Law of Thermodynamics and is based on the observation that left to themselves, systems tend to become more disordered over time.

Murphy’s Law also suggests that it’s practically impossible to maintain perfect order in any given scenario, meaning that anything with the innate potential to go wrong ultimately will. This is how Murphy’s Law is best known, but the theory has a number of potential applications and can be internalised to influence our outlooks and pursuit of goals.

In this post, we’ll ask how Murphy’s Law ties into the pursuit of objectives and personal development, and whether creating the image of success is central to long-term attainment.

Dropping Buttered Toast  – Practically Applying the Principles of Murphy’s Law

We’ll start with a simple analogy and one that has been used to explain Murphy’s Law for more than a century.

If you make toast every morning and proceed to drop it on the floor, Murphy’s Law dictates that sooner or later it will land buttered-side down.

While this counters the rules of probability, which theoretically stipulates that the bread could land buttered-side up every time that it lands, it simply argues that the worst-case scenario has the potential to unfold if the act is repeated endlessly and over a significant period of time.

One of the key conclusions here is that systems and actions influence end results. And Murphy’s Law simply considers the potential failings in any given circumstance.

If we continue to use the example of dropping buttered toast, we also see how changing the way in which this act is performed will impact on the relevant of Murphy’s Law, as controlling the angle and the height from which the bread is dropped could cause it to land the same way every single time.

How Does This Translate into the Attainment of Success?

If we internalise Murphy’s Law, we begin to see how it can influence our pursuit of personal and career aims.

Our actions in life all lead to consequences. When we pursue goals there is a myriad of things that can go wrong and derail our carefully laid plans. As Murphy’s Law plays out and we experience failures, however, the key lies in our ability to learn from these individual setbacks and change our actions to achieve better results.

If we extend this principle further, there’s a suggestion that creating the image of success can lend itself to future attainment.

In broad terms, there’s no doubt that presenting yourself as an ambitious, knowledgable and hungry individual can influence people’s perception of you, negating many of the issues or obstacles that can occur when applying for work or promotions. This automatically reduces the things that can go wrong when pursuing goals, while recognising the merit of Murphy’s Law and negating its influence.

From a practical perspective, creating the image of material success also makes it far easier to achieve certain types of growth and advancement.

Here’s an example. Having an Audi can help you to achieve an underlying goal of affording an upgraded model, for example, as it’s likely to boast greater resale value and can be traded in as part-exchange with specialist dealers. So long as you take care of the asset and have an Audi warranty, you can simultaneously tackle the issue of Murphy’s Law while also boosting your chances of attainment.

Final Words

Although it’s almost impossible to prove or disprove the validity of Murphy’s Law, there’s no doubt that its basic premise makes perfect and undeniable sense.

It’s also worth internalising this theory and applying it to the pursuit of success, primarily by considering how the actions that we take can minimise risk and influence the end result.

This way, you can recognise the basic principles of Murphy’s Law and use them to your advantage, as you look to control how you pursue your goals in a way that directly prevents things from going wrong.