ArtsAutosBooksBusinessEducationEntertainmentFamilyFashionFoodGamesGenderHealthHolidaysHomeHubPagesPersonal FinancePetsPoliticsReligionSportsTechnologyTravel

How To Beat Economic Blues (or just make them a little less blue)

Updated on December 7, 2009

Yes you are blue, down in the dumps, sad, etc. You have to pay bills, pay off loans, you might even be in debt! I'm not going give you the answer to all your financial problems (I'm not Santa or God) But I can make it a little better for you and give you some tips everyone should know about how they spend, save and earn!

For those who: Hate overdraft fees!

I know I defiantly fit in this category. Anyone who screamed yes in agreement has gone to taco bell bought one of those burritos for a dollar, just to find out later. Your bank over drafted you ten. (Or maybe that’s just me) All I know is this happens a lot and if your not smart you could end up with over 100 dollars in over drafts! What a waste.

  • In every book of cheeks there is a space in the back where you write down how much you've spent. Writing this information down might save you from over drafting
  • You should always know how much money is in your checking and savings! Sense most debit cards take money out of your checking make sure you always have at least 250 dollars in there.
  •  There should be a number on the back of your card. Its there for you to use! Call it! You can check your balance before using your card.

Budget Budget Budget!

I can't make this point clear enough. A budget is one of the most important things in the financial world!

First of all you if you have word or any program that can run a spreadsheet start a "Budget Program" For this Program you should first see what you've spent in the last couple of months.

Microsoft Works or Word users: The easiest way to do this is to open up a template. I was completely lost when I first tried this out and when I found templates it was like Somebody throwing a life saver out to you when your drowning. When you open the template you get to a spread sheet. You enter your information in the place of the example text. And then you click on the graph button.

Then you should make another spreadsheet and graph and put what you would like your expenses to look like. Being organized like this can can stop you

After that you can open up a blank document and plan out your expenses and save a little money for random fees (Extra charges and overdrafts just in case you skipped the first part of my article)

Use the Internet to Your advantage.

Always look for deals. Even if your rich because money can always run out and life happens. There are many resources on the Internet that can help you save bucks!

  • Coupon Craze: This is a website with coupons for a ton of different things! I was just on there and I saw a coupon for Calvin Klein jeans. 25% off. How the site works is it tells you wish websites and stores are having deals, then it links you to these places. http://www.couponcraze.com/
  • I guess there are online saving sites. These sites let you name your savings (For example: Vacation Savings, new car savings) Then you set it up so it takes money from your account. It sounds great but you should always research these resources before you use them

Always watch out for Internet scams!!

Don't Throw that Penny in the Garbage!

People are so quick to get read of there loose change. I will admit that I have been known to just throw my chains on the ground and say "whatever its just a penny" Well I went to one of my friends houses and she asked me to come with her to the bank to cash in her coins. She brought out about 4 heavy bags of pennies and nickels (I know they were heavy because she had me carry a bag)

She asked me "How much money do you think I'm going get?"

I said "$10" She laughed and said "I'm thinking $30" Well it came out to about 35 dollars. See what happens when your smart with saving. She turned her spare change into 35 dollars cash.

Save every penny!

The key to less stress about money is saving,budgeting, and being smart about your money!

Comments

    0 of 8192 characters used
    Post Comment

    • Bredavies profile imageAUTHOR

      Bredavies 

      6 years ago

      agree!

    • cheetah786 profile image

      cheetah786 

      6 years ago

      good tips.. budgeting is the base of planning the future.. budgeting carelessly means you are ruining future..

    • Bredavies profile imageAUTHOR

      Bredavies 

      6 years ago

      Thank you. :)

    • Sethughes profile image

      Sethughes 

      6 years ago

      Great hub. Very useful information. I love anything that offers help with "economic blues" and this was a really good one.

    • Bredavies profile imageAUTHOR

      Bredavies 

      6 years ago

      Thank you very much. It was also very sweet of you to help your sister.

    • prospectboy profile image

      Bradrick H. 

      6 years ago from Texas

      Nice advice and information. I'm not a coupon person, but I do save my spare change. Last year I saved around 50 dollars worth of nickels in a jar. I ended up giving them to my sister to help get her laptop fixed, but they came in handy. Since then I'm back to saving them again. I've yet to count how much I have as yet, but they're adding up. Great hub, very informative. Voted up and shared on both Twitter and Facebook.

    • Money Glitch profile image

      Money Glitch 

      8 years ago from Texas

      O.k. I'm guilty, I tend not to care what happens to pennies, but this is a good lesson that they do add up as well! Thanks for sharing...

    working

    This website uses cookies

    As a user in the EEA, your approval is needed on a few things. To provide a better website experience, hubpages.com uses cookies (and other similar technologies) and may collect, process, and share personal data. Please choose which areas of our service you consent to our doing so.

    For more information on managing or withdrawing consents and how we handle data, visit our Privacy Policy at: https://hubpages.com/privacy-policy#gdpr

    Show Details
    Necessary
    HubPages Device IDThis is used to identify particular browsers or devices when the access the service, and is used for security reasons.
    LoginThis is necessary to sign in to the HubPages Service.
    Google RecaptchaThis is used to prevent bots and spam. (Privacy Policy)
    AkismetThis is used to detect comment spam. (Privacy Policy)
    HubPages Google AnalyticsThis is used to provide data on traffic to our website, all personally identifyable data is anonymized. (Privacy Policy)
    HubPages Traffic PixelThis is used to collect data on traffic to articles and other pages on our site. Unless you are signed in to a HubPages account, all personally identifiable information is anonymized.
    Amazon Web ServicesThis is a cloud services platform that we used to host our service. (Privacy Policy)
    CloudflareThis is a cloud CDN service that we use to efficiently deliver files required for our service to operate such as javascript, cascading style sheets, images, and videos. (Privacy Policy)
    Google Hosted LibrariesJavascript software libraries such as jQuery are loaded at endpoints on the googleapis.com or gstatic.com domains, for performance and efficiency reasons. (Privacy Policy)
    Features
    Google Custom SearchThis is feature allows you to search the site. (Privacy Policy)
    Google MapsSome articles have Google Maps embedded in them. (Privacy Policy)
    Google ChartsThis is used to display charts and graphs on articles and the author center. (Privacy Policy)
    Google AdSense Host APIThis service allows you to sign up for or associate a Google AdSense account with HubPages, so that you can earn money from ads on your articles. No data is shared unless you engage with this feature. (Privacy Policy)
    Google YouTubeSome articles have YouTube videos embedded in them. (Privacy Policy)
    VimeoSome articles have Vimeo videos embedded in them. (Privacy Policy)
    PaypalThis is used for a registered author who enrolls in the HubPages Earnings program and requests to be paid via PayPal. No data is shared with Paypal unless you engage with this feature. (Privacy Policy)
    Facebook LoginYou can use this to streamline signing up for, or signing in to your Hubpages account. No data is shared with Facebook unless you engage with this feature. (Privacy Policy)
    MavenThis supports the Maven widget and search functionality. (Privacy Policy)
    Marketing
    Google AdSenseThis is an ad network. (Privacy Policy)
    Google DoubleClickGoogle provides ad serving technology and runs an ad network. (Privacy Policy)
    Index ExchangeThis is an ad network. (Privacy Policy)
    SovrnThis is an ad network. (Privacy Policy)
    Facebook AdsThis is an ad network. (Privacy Policy)
    Amazon Unified Ad MarketplaceThis is an ad network. (Privacy Policy)
    AppNexusThis is an ad network. (Privacy Policy)
    OpenxThis is an ad network. (Privacy Policy)
    Rubicon ProjectThis is an ad network. (Privacy Policy)
    TripleLiftThis is an ad network. (Privacy Policy)
    Say MediaWe partner with Say Media to deliver ad campaigns on our sites. (Privacy Policy)
    Remarketing PixelsWe may use remarketing pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to advertise the HubPages Service to people that have visited our sites.
    Conversion Tracking PixelsWe may use conversion tracking pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to identify when an advertisement has successfully resulted in the desired action, such as signing up for the HubPages Service or publishing an article on the HubPages Service.
    Statistics
    Author Google AnalyticsThis is used to provide traffic data and reports to the authors of articles on the HubPages Service. (Privacy Policy)
    ComscoreComScore is a media measurement and analytics company providing marketing data and analytics to enterprises, media and advertising agencies, and publishers. Non-consent will result in ComScore only processing obfuscated personal data. (Privacy Policy)
    Amazon Tracking PixelSome articles display amazon products as part of the Amazon Affiliate program, this pixel provides traffic statistics for those products (Privacy Policy)