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kiwansaad | 03.09.2019

free gym membership

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Wellness

to stay healthy we need to be aware of how we use our bodies. but this does not have to come with high cost. find gyms in the area that offer free trials or health groups that gather together regularly to do sports.


RichQueen wrote on 03.09.2019 at 11:41

True. I've been to many gym trials and classes but the problem is you'll loose your commitment if you are just up to free access/trials.
What I can suggest is that find a gym in the building whether be it residential or commercial. If they can let you use for free then it's great or try to negotiate for a subscription. It will be cheaper than the renowned gym.

Another thing, if you really like free trials, subscribe to classpass. You can take as many as 8 classes in 14 days for free.


Emy404 wrote on 05.09.2019 at 01:59

Or you can work out at home with basic equipments or go for a walk



Arowen | 02.09.2019

create a budget

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Saving Account

Tally up "essential" monthly expenses like rent, food, telephone, daily transpo and emergency fund to find out how much cash is left for misc things.


RichQueen wrote on 03.09.2019 at 11:42

I agree.



jk.bernabe | 02.09.2019

Dubai Metro

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Transportation

It is best to take advantage of the Monthly unlimited pass for Nol card when you are always on the go.


Arowen wrote on 05.09.2019 at 13:16

yes, agree!



jk.bernabe | 02.09.2019

Salary Allocation

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Wellness

Always pay your debts first and buy your daily needs before buying your wants.



jk.bernabe | 02.09.2019

Emergency Fund

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Saving Account

It is best to have an emergency fund that is 3 to 6 months worth of your monthly expenses. This fund should be liquid and is easily accessible when the time it is needed comes.



BASHEEROKR | 02.09.2019

Better Way to Save Money - Part 6 of 6

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Lifestyle

51.Lower the temperature on your water heater to 120 degrees.
For every 10 degree reduction in temperature, you can save up to 5 percent on water heating costs.

52.Comparison shop for auto insurance.
Before renewing your existing auto insurance policy each year, check out the rates of competing companies.

53.Invest in car maintenance.
Keeping your car engine tuned and its tires inflated to their proper pressure saves money in the long run. Doing both can save you up to AED 100 a year in gas.

54.Check multiple sites for low airfares.
Don't rely on a single airline search engine to show you all inexpensive fares. Some discount carriers do not allow their flights to be listed in these third-party searches, so you need to check their
websites separately.

End



BASHEEROKR | 02.09.2019

Better Way to Save Money - Part 5 of 6

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Lifestyle

41.Go generic.
Ask your physician if generic prescription drugs are a good option for you. Generic drugs can cost several hundred dollars less to purchase annually than brand-name drugs. And since physicians often don't know the costs you incur for a particular drug, you often have to ask.

42.Comparison shop for prescription drugs.
Don't just rely on the closest drugstore because the cost to you can vary significantly from pharmacy to pharmacy. Make sure to check out your local pharmacist, supermarkets, wholesale clubs, and mail-order pharmacies.

43.Purchase store brand over-the-counter medications. Store brand medications often cost 20-40 percent less than nationally advertised brands, but are the exact same formula. The premium you're paying on brand names is for nothing but the marketing.

44.Comparison shop for homeowners insurance.
Before renewing your existing homeowners insurance policy each year, check out the rates of competing companies.

45.Refinance your mortgage.
Explore if you have the option to refinance your mortgage to a lower interest rate. On a 15-year AED 100,000 fixed-rate mortgage, lowering the rate from 7 percent to 6.5 percent can save you more than AED 5,000 in interest charges over the life of the loan. And, you will accumulate home equity more rapidly, thus increasing your ability to cover large emergency expenditures.

46.Audit your home energy use.
Ask your local electric or gas utility for a free or low-cost home energy audit. The audit may reveal inexpensive ways to reduce home heating and cooling costs by hundreds of dollars a year. Keep in mind that a payback period of less than three years, or even five years, usually will save you lots of money in the long-term.

47.Weatherproof your home.
Caulk holes and cracks that let warm air escape in the winter and cold air escape in the summer. Your local hardware store has materials, and quite possibly useful advice, about inexpensively stopping unwanted heat or cooling loss.

48.Keep the sun out.
Keep your blinds or curtains closed during hot summer days. Blocking the sunlight really does help to keep your house cooler.

49.Use less water.
Install low-flow shower heads and faucet aerators to reduce your water usage and water costs.

50.Cut laundry detergent and dryer sheet use in half.
The laundry detergent sold today is usually highly concentrated and powerful. Use the smallest suggested amount, and often you can use less than what's on the bottle and still get clean clothes. In many cases, using less actually washes more effectively because there’s no leftover soap in your clothes. And tearing your dryer sheets in half gives the same result for half the price.

Cont.... Part 6



idealisticguy | 02.09.2019

What is Current Account?

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Current Account

Current bank account is opened by businessmen who have a higher number of regular transactions with the bank. It includes deposits, withdrawals, and contra transactions. It is also known as Demand Deposit Account. Current account can be opened in co-operative bank and commercial bank.



idealisticguy | 02.09.2019

What is TIME DEPOSIT?

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Time Deposit

A time deposit or term deposit is an interest-bearing bank deposit with a specified period of maturity. It is a money deposit at a banking institution that cannot be withdrawn for a specific term or period of time. When the term is over, it can be either withdrawn or held for another term.



idealisticguy | 02.09.2019

Secrets to Saving Money

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Accounts

One thing is certain. If you can budget your money so that you are spending less than you earn and put some of that money into a savings or retirement account before you have time to spend it, you will be able to save money and build wealth.




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