Living on a tight budget in today’s expensive city life is very difficult and tasking. A lot of people move to bigger cities for making a better living. While living in a busy city might be a dream for many, it is quite difficult to save up and cut back on expenses for the common man. With several users, cell phones have now become a necessity. However, with an increasing number of people using cell phones, the cost of communication is on the rise in big cities. Moreover, since many businesses solely run on communication the cost of cell phones and the related services is ever increasing. Therefore, to cut down on communication expenses, many people are applying for free government cell phones. Here are a few simple tips to save up those extra bucks while living the big expensive city life.

Apply for free government cell phones
The government has been helping citizens with taking care of their expenditure and savings. These days, a lot of people are applying for free government cell phones, which help you in saving up funds. With free government cell phones, the government pays for your calls and texts and completely takes care of all your mobile payments. However, when applying for free government cell phones, the government keeps track of your income, taxes, food stamps, etc. to ensure you fall under the category to avail of free government cell phones. This helps you cut back on phone-related expenses like mobile data, calls, and texts.

Apart from applying for free government cell phones, some other ways to save money are as follows:

Use electricity saving electronics
A lot of brands these days create energy saving electronics and equipment to ensure you save up on electric charges. Brands create energy saving bulbs, lights as wells as refrigerators, televisions and air conditioners which consume less electric current. These are divided into 4-star to 5-star savers, which save max electricity. These types of power saving equipment and electronics are expensive, but this should not scare you from investing in them as these are long-term power saving options. The more you use these electronics, the more you save up on electricity bills.

Opt for kitchen gardening
Grow your vegetables and herbs in your kitchen garden or balcony gardens. The first months before the first harvest are the longest, but if you are patient enough, your tiny kitchen and balcony gardens can yield the best harvest which you can use for weeks! You can have your very own organic fruits and vegetables without paying huge amounts for these in supermarkets!

Use local transport
Use the local buses, trains, and metros to reach to your work or everyday destinations in the lowest fares and on time. This not only saves your money but also saves your time which you will end up wasting in hours of traffic. With the rising fuel prices, use your car or bike only for short distance traveling and shopping.

With our busy city lives and digital world, living on a budget can be quite difficult especially, when there is a new gadget, new movie or even a new fast-food joint that has opened in your neighborhood that you want to try out. Electronics are expensive, and maintenance of the same is another expensive process. Staying updated with the latest gadgets like cell phones can be difficult if you are struggling to make ends meet as a college student. And a cell phone is something without which it is difficult to survive. With many college students working as freelancers and taking up online courses, cell phones have become necessary. However, paying off huge cell phone bills is a challenge for many. Therefore, many college students, these days, apply for free government cell phones. Here are some ways in which you can save money.

• Apply for a free government cell phone
  If you are a student working to pay off a student loan, in a busy city, any money saved, be it on food, travel or electronics, adds up to your emergency savings. The government provides free government cell phones to all those who are in dire need of funds in their everyday lives, especially those who fall in the low-income group. The government ensures all your cell phone bills are borne by them. So, you can use the phone to make free calls and send texts within the country. With free government cell phones, you can save money instead of spending it on cellular data and calls.
• Sign up as a product reviewer
  If you are well versed in technology, current products, trends and are willing to expand your knowledge further, you can sign up as a product reviewer for various gadget, products and service brands. You can review these gadgets, products, services, etc. and write up on them online or start your own YouTube channel or website/blog with these reviews. When brands take notice of your content, they approach you with freebies and gadgets to review! A lot of brands these days also pay you for reviewing their products! It’s a complete win-win situation for you.
• Sign up for loyalty programmes
  Loyalty programmes are the best for people on a budget, especially for students. Local cafes, libraries, and grocery stores have loyalty programmes where you can shop for a certain number of products and earn loyalty points. These loyalty points add up to give you discounts on your purchases. Cafeterias have loyalty systems where you can buy a few meals and get the 5^th one or the 10^th one free. This helps you save up on meals and groceries which help you in savings. Libraries offer heavy discounts to students as well which further help in cutting back on expenses.

Do you remember the last time you stepped into an Adidas outlet for buying a sports jersey or footwear? Since the online shopping boom came about, most customers are quite happy to shop stuff at the comfort of their home. Aren’t you missing those days when we used to shop directly from the outlets? If spending extra bucks at physical outlets is one your concerns, here goes a few tips to keep in mind to save money while you shop at the stores in your city.

Know your budget: The brand outlet and its products will do everything to tempt the shopper, period! But you can save yourself from falling into the trap of buying stuff that you don’t need. So before you step into the store, have your budget fixed. Know how much you can spend on your shopping, and let your picks from the store be on the limits. As a further step, you can set the budget, withdraw the cash and carry it to keep your expense within limits.

Shop at odd times: You will be tempted to visit the outlet store when there is a weekend discount going on. More over most people would prefer to shop during weekends. However, avid shoppers would recommend you to visit the store at off-peak times. Opt for midweek days, so that the shelves will be filled up and there won’t be much hustle as people rarely go for shopping during workdays. Also, you can plan it in the morning times rather than in the evenings.

Don’t hustle: There isn’t any exaggeration if we say the outlets want to increase your spending on the store. It explains why you find the costlier items on the front racks. Do not fix the deal in a hurry-burry as there will be discounted products in the store. Do not be hesitant to ask the sales associate regarding offers and the details on products. Visiting an outlet requires effort when compared with the easy online shopping. So be ready to spend some more time on the shop, find the best deals and dig out the right product.Look for discounts and sale on your preferred products. For instance, if you are looking for a sneaker just when an Adidas outlet is having its annual clearance sale, you may find quality products at dirt cheap prices.

Be off-seasoned: Here is yet another tip to keep in mind. You may get a branded sweater at the best rates during summer from the outlet. Although you may not want winter clothes during summer, it is a good idea to buy them during the off season as in most retail stores, you will find the best deals when you shop it off-season.

Step out freely: Can’t find what you were looking for in your budget? Don’t be hesitant to walk out of the store. It does not make any sense if you buy stuff that is of no use, even though you have spent a good deal of time in the store. Also, do not compromise on the size factor when it comes to sports accessories.

Entry of a newborn into the family fills the home with joy and cheerfulness. But every joy comes with a price, they say. The expense of taking care of the baby will show up in the monthly budget, out of which diapers take the lion’s share. Diapers are one of the top money-consuming products, at least in the first two years after your baby is born. And the sad part is that you are spending on a product that goes into the trash box in a few hours.

Well, the good thing is you can spend smartly and save money on diapers in a hassle-free way. Of course, cloth diapers are cheaper and can be reused. However, for those who do not want to switch to cloth diapers and want to continue with disposable diapers while saving money, these tips would help.

Stock it!
The baby needs a nappy change once in every 3-4 hours. Sometimes your diaper calculations may fall upside down. That is why it is always better to buy and stock diapers when you find a good deal. Don’t commit the mistake of running into a nearby shop and buying packets of 8 and 12 diapers when there is urgency. Instead, buy bigger packets from online shops or department stores during the discount season.

Utilize coupons
There are ample coupons available online, thanks to the changing trends in marketing and promotions. All you need is to take advantage of the printable diaper coupons to save your money. Also, the department stores and kid’s specialty stores give away seasonal discounts, offers, and coupons. Whenever you find a good deal, remember the tip. Buy it in bulk quantity and stock it. Anyway, diapers are not going to get stalled.

Subscribe to offers
Well, you may get busy while taking care of the child and other household chores and might miss a great discount sale that was going on in a nearby shop. Make sure you don’t leave such chances. Subscribe to the text alerts and emails of diaper brands like Pampers, Huggies, and more. When you get a Pampers diaper coupon, make the maximum use of it and save money. Also, know about the seasonal offers and clearance sales happening in the department stores.

Ignore brands
You do not have to be over conscious about the brands when you are on a tight budget. Discounts and offers happen in all brands, and why should you leave the chance? You may get a particular brand at a discounted rate this month, and the same happens with another brand in the next month. Grab the chance, and forget about the brands.

Be a member
Most of the companies that sell diapers offer membership programs, through which you get to buy the diapers of that particular brand at huge discounts. You may also get freebies, samples, etc. Check the websites of such companies and start your membership. It is mostly free and sometimes you need to provide information for their surveys.

Indeed, the bliss of parenthood is boundless. The joy of becoming a parent for the first time can hardly be put into words. No wonder the parents put in every effort to ensure that the infant gets the highest possible level of comfort and care.
And on the other end, the monthly budget will shoot up with the entry of a new member of the family. If you act smart, you can definitely bring down the expense without compromising on the needs of the baby. Here goes a few ways of cutting down the expense.

Be choosy!
The manufacturers want their product to sell off. Period! They will prompt you with flashy advertisements and tempting offers. It is all up to you to decide between the wants and needs of the little one. It is absolutely a waste of money to take one of every other product you see in the baby specialty store. Your baby will grow each day in the initial year and the needs will change. Pick up only the products that are useful. You don’t have to buy shoes for the baby at 3-6 month period. Also, you can play smart tricks like choosing those types of bassinets that can be made into a crib as the baby grows.

Diaper buying hacks
Ask any parent where the major expenditure lies during the first year of the baby. The answer would be in diapers. You have different options like disposable diapers, cloth diapers, hybrid diapers, etc. Whatever you choose, buy it when you come across an undeniable offer and stock it.

Hunt for those websites that give away free printable diaper coupons. Keep searching for the specific offers in the brand you are interested in and subscribe to the promotional offers of it. For example, you may find pampers diaper coupons that may help you to save half of its original price for a few hours on a specific day. Don’t miss those chances. When you get a good deal, buy and stock diapers.

Step into a resale shop
Resale shops make a good choice when you are on a tight budget, but do not want to compromise on your baby’s needs. You will find great deals on the baby essentials like bedding, swings, bassinets, cribs etc. at a resale shop. It is a cost-effective option as babies grow fast and the products will hardly have any sign of the previous usage. Also, you can buy clothes which will look same as a brand new one.

Hit the clearance rack
While you have a cutie pie to take care of, you need more stuff like baby wipes, skin care products, detergent for washing baby’s clothes, baby towels and lot more. Check out for the clearance sale on branded shops, and reach to the clearance rack without any doubt. What you should keep in mind is when you find a good deal in baby products, buy it in bulk. You may have to wait till you find the next amazing deal to save money!

Victoria’s Secret, the name itself is enough to make women of all ages go “gaga” over the wide range of products it offers. Specially, the lingerie is something that nobody can take their eyes off. The wide range of lingerie, beauty care products, and fragrances, though look very enticing, are at times, beyond one’s budget. The sheer beauties crafted with laces and nets do not come at a face value. You have to empty your piggy bank if you wish to buy a beautiful bralette. However, Victoria’s Secret doesn’t like disappointing their customers and they wish to open the entire arena for their potential customers as well.

Every once in a while, Victoria’s Secret comes up with a sale or awesome Victoria’s Secret coupons, which are a great source of relief for millions of women worldwide.
So, if you have been eyeing a pretty lingerie pair or you can’t wait to get your hands on the sensuous fragrance, but again, you face a budget crunch, then we have answers to your dilemmas. Here’s how you can save lots of money and go on a shopping spree at Victoria’s Secret at the same time. Keep reading.

If you are a Facebook user and a savvy one, then like the Victoria’s Secret’s page and sign up for their newsletters. Once you gain access to their newsletters, the rest is as easy as it gets. You can avail of the exclusive offers that they come up with or you would be a proud owner of $20 or $30 off Victoria’s Secret coupons.

You can register for their mail offers. So, you won’t be surprised when the next time you open your mail box you would find a $10 off Victoria’s Secret coupon or a free item that coincidentally might be the one you were obsessed with.

Another way of making great savings at Victoria’s Secret is by signing up for their monthly catalog. This might come across as old-fashioned, but once you sign up for the catalog, you would be the recipient of a variety of Victoria’s Secret’s coupons or some free gifts.

You can buy discounted gift cards at any Victoria’s Secret’s outlet or online. These gift cards too are available on discounts on various sites and can help you big as a 20% off on your favorite merchandise.

Victoria’s Secret coupons are of varied kinds. Some allow to avail free shipping, while others would entitle you to a free merchandise. So, the trick lies in stacking up these coupons and using them wisely.

Victoria’s Secret is every woman’s guilty pleasure, since you know you are spending atrocious amount of money, but the pleasure that you experience, is beyond comparison.

Home is not just another location where you dwell in every day. It is the sweetest place on the planet for many people. Therefore, home improvement is an exciting activity as you are gifting yourself a better place to settle in. A redo in the kitchen, a refashion in the living room, a new landscape design and installation, a renovation in the bedroom, etc. are numerous ways to improve your residing space and make it inviting.

Are you thinking about some home improvement ideas? Does the budget bother you? Well, read here to know a few of smart ways to save money when you want to upgrade your home.

Have a “real” plan!
Whether it is a home improvement or home renovation, sticking to a realistic plan helps a lot. Well, you have an idea of how you want to improve your home. Try to put it down on a paper. Draw a rough copy of how you want the space to look, once the improvement is done. List out the things you need to buy. Break down your total budget and calculate the expense of buying the total stuff.

Do your research
To find the best deals, you have to put in time and effort. Utilize the commutation time or waiting for stints to find those unbelievable discounts that online shops give away. Allot time to find the nearest shops with biggest offers. There are retail seasons in which you get certain products at unbeatable offers. For instance, you will find garden supplies at its best deals during the month of April. Wait for the season if you want really cool deals or pick up the best one possible at the moment.

Grab the coupons
Coupons can really help you save money. The best time to take advantage of the home depot coupons would be when you improve your home. Search for the best available coupons for home depot stores. Subscribe the mail alerts which will inform you about promotions and offers from shops around, so that you do not miss the chance. You may get kitchen appliances, furniture, home accents, etc. by paying 30% of its original price. Sometimes, you may find exclusive deals that may last for a few hours or a day.

Check the misses
You can find leftovers or unused products of previous work with contractors and technicians. Buy from them at a lower price. Also, you can check out for products with slight mistakes in the home depot store. The shops give away appliances with a small scratch or concrete bag that is broken at a lower price. It is not going to make any difference in functionality anyway.

Do-it-yourself
Try finding time to do small tasks yourself and spend the money wisely. The DIY videos and numerous blogs will guide you to do small errands on home improvement. Get the tools on rent for a day, and do the job yourself. What you can rent, better don’t buy. Moreover, you may find great deals in tools and materials on websites that sell second-hand goods.