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FREE ONLINE COURSES - TIP SETS

 

Visit the list of free online courses available this month.

 

Enrol now because a completely new list will be posted next month. 

 

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20 Ways to save at the supermarket

 

Save Cash by following these easy budget-friendly tips ...

 


1.  Never Pay by Card

Leave your credit card at home so you won't be tempted to spend more.  Then take a calculator around the store, so you know how much you're sending.  If you've got kids, ask them to help - they'll love keying in the numbers,

and you'll avoid nasty surprises at the checkout.

 

2.  Don't assume sales are cheap

When you're at the  supermarket, you'll often find fruit and other attractive products being promoted as specials, with bright signs around the display to entice you.  However, the price reduction may be very small, and there are cheaper products hidden elsewhere.

 

3.  Don't Always buy in Bulk

Never assume that the bigger the packet, the more economical it is.  Economy size packs are sometimes more expensive per kilo.  Check this with products such as cereal, milk, biscuits.  Sometimes buying smaller packets can work out cheaper.

 

4.  Develop a network of budget-friendly friends

Ask your friends to notify you of great deals.  "Coles or Woolworths sometimes do big savings on boxes of nappies, up to $10 a box," says Woman's Day reader, Danielle Church.  "As soon as I see it advertised, I text every mum I know.  They do the same for me."

 

5.  Shop at the corner store

Yes it's true, - but only in certain circumstances.  Sometimes buying bread and milk from the corner shop can save you money, even if the prices are higher.  You'll save on petrol, and you won't browse the supermarket shelves for things you don't need.

 

6.  Don't taste with your eyes.

The packaging and look of a product has a big psychological effect. We assume that the nicer the packaging and the more expensive a product, the better it is.  Studies show that if you  choose home-brand products you'll save around 15 per cent on your annual shopping bill, without noticing any difference. 

 

7.  Keep Your Docket and Complain

If you've bought fresh produce that does not last four days (deli meat included), ring the shop, tell them and ask for your money back.  They should give you a full refund. 

 

8.  Don't worry if you buy too much.

If you're stuck for something to cook with all the food you have at home, check out www.cookingbynumbrs.com.  Type in the ingredients you have and it comes up with a list of recipes.

 

9.  Learn to haggle

Yes you can!  "Over the years shopkeepers have hypnotized us into believing that it's rude and impolite to haggle and that prices are fixed," says Martin Lewis, founder of www.moneysavingexpert.com, but it's always worth a try.  Usually, to meet sales targets, staff can discount around two per cent of stock per day, so it's worth asking for damaged stock or just brazenly asking for a discount. For more tips go to www.howtohaggle.com

10.  Compare prices

If you have the time, shop around to see who offers the best deals.  Look at supermarket websites or consumer website www.choice.com.au

 ... next

 

 

The current downturn in the market can be a huge opportunity for the wealthy. This is a fantastic time for you to pass assets on to your heirs at a major discount.

For those of you who aren’t facing estate taxes yet, there’s loads of other opportunities to capitalize on now that will make it more likely that estate taxes will be one of the good problems you have to worry about.

 

 

 

 

Time Management - STOP and be aware of how you are using the precious time of your life. Receive lots of tips and tools to be more organized and productive. Reduce stress, chaos and procrastination as you gain freedom and achieve more results. Workbook includes 30 days of email support. 
 

 

Lemons Add Zest to Life 

Lemon trees laden with their winter crop, boughs drooping under the weight of many hued lemons: dark green, lighter green becoming suffused with yellow, vibrant yellow bursting with life, then as they go unpicked and overripe a flush of orange seeps into the knobbly fruit. Until I came to South Africa lemons came from a shop: smooth, uniform yellow skins all year round. Now I have learned to
appreciate their seasonal bounty, struggling to use up all the fruit in winter, hoarding away the squeezed juice of the excess lemons in the freezer for summer, when the lemons must come from the shop again and are more expensive and less juicy.

This is the time to think up a hundred and one ways to use a lemon

 

 

Anyone who has kids knows that any life with kids is going to be complicated, at least to some degree. From extra laundry to bathing and cooking and shopping and driving and school and chores and crises and sports and dance and toys and tantrums, there is no shortage of complications.

You won’t get to ultra-simple if your life includes children … but you can find ways to simplify, no matter how many kids you have.