My Journey to Millions
  • Investments
    • Dividend Investment Portfolio
  • Personal Finance
  • Estate Planning
  • Life Insurance
  • Personal Situation
  • About
  • Archives
  • Contact / Advertise
  • Disclaimer
My Journey to Millions
  • Investments
    • Dividend Investment Portfolio
  • Personal Finance
  • Estate Planning
  • Life Insurance
  • Personal Situation
Tag:

Budget

Unrecognizable young girl designer writing notes in notebook
Personal Finance

How to Pay Less for Essay Writing Services: 5 Budget-Friendly Ways to Get Help

by Evan May 2, 2019

At times, students cannot cope with a lot of assignments they receive from their teachers and professors. To cope with them all and meet their academic goals, smart students look at all available chances to solve the issues. Self-education is one of the keys but it may be not enough, especially when you have an urgent task. Thus, online help is the fastest and most obvious way out. Notwithstanding, the matter of price may be a huge disadvantage.

Online help should be paid in almost every case. Sometimes, academic essay writing services or individual ghostwriters set prices that are unaffordable for some students. Even though the price policy is not that expensive, it may be a problem for many people. If you want to run cheap but still get the help of high quality, read our helpful guide. It contains 5 budget-friendly recommendations on how to get cheap but effective help.

Take a look at our list of recommendations:

  1. Find reasonable offers.
  2. Order free sample.
  3. Look for discounts.
  4. Pay for certain parts.
  5. Customize your order.

You can combine all these options to get cheap or even chargeless help. They are simple and beneficial. Let’s discuss and analyze them all to provide more insights.

Recommendation #1

Your target number one is to make preliminary research. Just as you look for data before you begin to write your essay, you should find available offers. You should not be hasty or you’ll choose something expensive. There are various companies that have different price policies. It’s quite possible that two competent writing companies write papers of the top quality but their pricing strongly differs. Therefore, get as much data as you can and compare the options.

Recommendation #2

One of the best ways to save your money is to get free samples. They can be found in excess on the Internet. Private writers and big platforms offer their clients all types of academic papers. They are necessary to convince their clients that the quality of all writers is high. Of course, they are given for free. Besides, you can find different educational websites that offer free samples too.

 

Such samples are copyrighted. Accordingly, they cannot be used by students as their own projects. They serve as examples of how to compose this or that piece of writing. You can learn a lot from them. Pay attention to the structure, word choice, style, the way examples are implemented into the text, how to make correct quotations and so on. Find the required paper, make notes and analyze them. Afterward, use them in your own projects.

Recommendation #3

You should not miss the opportunity to get some discounts. Almost every academic writing company offers its clients some discounts. They are commonly given to the newcomers and the most loyal clients. The longer you collaborate with a company the more benefits you enjoy. Some companies likewise offer discounts to people who place big orders. Don’t forget about this possibility.

Recommendation #4

Mind that you are not obliged to pay for the full paper. You’re free to order whatever part of an essay you want. Moreover, you may need a certain service. For example, you want to rewrite some parts of your paper or edit them. You are welcome to make such an order. The cost of every quality essay writing service is different. Accordingly, you can save a lot of money because you won’t order the full paper.

Of course, if you need the full paper you can order only certain parts. You may not have enough money to buy it. Therefore, you may but the introduction and thesis statement. After you receive the needed sum, you can buy the main body paragraphs and at the end, the conclusion and list of references. It’s up to you to decide what to buy and in what order.

Recommendation #5

It’s of great importance to find writing companies that allow full customization of the orders. This sets a client in the full charge of his/her order. We’ll explain its importance. First of all, fill out the order form. It contains some fields that should be obligatorily specified. These are as follows:

 

 

  • The type of your paper (essay, dissertation, case study, article review, coursework, etc.);
  • The kind of help (writing, editing, citing, referencing, proofreading, etc.);
  • The length (your company may measure the size counting words, lines, pages or characters);
  • The deadline;
  • Personal helper (native or non-native speaker);

 

Afterward, use an online calculator to sum up the total cost of your order. If the price doesn’t suit your financial possibilities, change some of your demands. Every point affects the price.

 

For example, the types of papers and kinds of academic help have different prices. A dissertation will be more expensive than a common essay. The length and deadline also affect the total cost. The longer your order is the more fees will be charged. If you set a long deadline, the price will be cheaper compared to an urgent order.

 

As you can see, the possibility to customize the order is really important. Some websites don’t provide freedom of choice and you are forced to follow their rules and restrictions. Make sure that your choice guarantees the required freedom. Change the demands of your own order until the price suits your pocket and save the money.

 

May 2, 2019 0 comment
0 FacebookTwitterPinterestEmail
Personal Finance

Enviable Money Management Habits that Yield Great Long Term Benefits

by Guest Post March 3, 2016

Earning a 6-figure income is not possible for everyone. Therefore, it is always considered wise to make the best out of what is at hand. We have read about the wealthiest people in the world having some habits that make them so unique and well, rich. It is their habits that make them what they are today. The reason behind their fortune is certain financial habits that they have been following, which have yielded them long term benefits. Here are some of their enviable money management habits that will teach you organizing and managing your finance.

Planning a Budget and Making Everything Automatic

Budget is the most fundamental unit of any management. A budget helps you in knowing your capabilities of paying and earning and affordability, on the whole. According to various studies, women are very efficient budget planners as it is their natural and inherent quality. Common housewives have mastered this skill and run their households with the utmost smoothness. Learning the art of setting a budget is very resourceful especially when you wish to establish better financial management in your life. Besides, taking advantage of e-facilities is also very helpful. Making your payments automated by linking them with your savings accounts, so none of your bills go unpaid, is considered as a more user-friendly way of money management.

Always Keeping a Track of What You Are Earning and What You are Spending

It is not like you do not wish to save money. The only thing is that you do not know the right way to do it. More often than not, there is just one means of earning in many people’s lives, so it is easier to know how much you receive though; it is difficult to keep a track of the expenditure. Many successful businessmen and personalities have people working for them to keep a check on their income and expenses. As an individual, you may not be able to afford an entire department of employees to work on your account; however, you can do your bit by keeping bills of everything you purchase. This is the simplest way of tracking your money.

Clearing off Debts for Moving Towards a More Organized Finance

Managing money does not only benefit you financially, but also makes you march towards financial success. One of the first things you must do before investing your money anywhere is clear off all the debts that you have on yourself. Debt-freedom makes you feel stress-free and doesn’t disturb your income immensely. If you don’t have any debts, you are off to a good start already, however, if you do, start clearing them by paying a little, every month, as soon as you get your salary.

Exploring New Ways for Increasing Your Income

It has been found that doing a freelancing job can fetch you more money than doing a fulltime job. Since you are the one who decides how much you want to work and you are the boss of your own pay, you tend to be less stressed out and more focused. It is always better to increase your earnings instead of spending way little than what is required and putting everything into savings. It is not humanly possible. Killing your present desires for securing your future, will disturb your present, which is practically incorrect. Part time jobs work great in such cases. Working online for two to three hours every day will also bring you a better income.

Sketching the End Results of Everything You Do In Your Head First

Money management becomes better if you know where you are heading. Draw a sketch in your head about what will lead to what before actually getting your hands into the job. Wrong investments can make you suffer from even deeper regrets. Study the market a little before investing in any kind of mutual funds or policies. Refer to an expert, if you think you are dense about economics. Also, familiarize yourself with various financial settlement tools like, structured settlement, an injury insurance claim that helps you receive full medical expenses, periodically or all at once, in severe cases of accidents known as catastrophic accidents.

March 3, 2016 0 comment
0 FacebookTwitterPinterestEmail
Personal Situation

Recalculating My Monthly Nut

by Evan March 13, 2013

It has been about a year since I calculated my monthly nut so it is about time I lay it on the line for both readers and myself.  I would hate to lie to myself about my family’s spending.

What is a Monthly Nut?

A monthly nut is your fixed costs, month to month, absent job loss or disability that will be there waiting for you.  A monthly nut is not the same as a budget.  A budget is whether you are over buying clothes or certain types of food, while a monthly nut is made up of items like heat and other contractual obligations.

While a budget can change month to month it is unlikely your monthly nut will outside of direct inertia to change something (i.e. shop for cheaper insurance, pay off a debt, etc).

My Monthly Nut

When I originally calculated my monthly nut I came up to about $4,400 per month. That number has increased pretty dramatically in the past year due to some very obvious factors:

  • I moved from a townhouse to a much larger home (with a much larger tax bill and higher utilities)
  • The Wife’s lease is up in the next few months and “we” have decided to buy a minivan next.  This will increase her car expenditure from $339 to probably about $500, so I just included the $500.  It could be less, but regardless it won’t be forever once we pay off the future note.
  • I have increased my life insurance, significantly and will be providing an update as to that in the next few weeks when it finalizes.  As such, I have just included the expected increase in price here.

Everything is rounded up:

Expense Cost Notes
Mortgage, Taxes andH/O Insu $3,000
 Sprint Cell Phone Service  $135  The Wife and I have a shared plan with unlimited data and texts and minutes that we don’t come near but can’t reduce.
 Verizon FIOS  $150  Home phone, Internet and TV
 Life Insurance  $400  Not exact as I am in the midst of updating my insurance but includes ins on my life, my wife’s life and child’s life 
 Alarm System  $30  Contract based on new equipment provided
Law School Loan Payment  $255  I paid off my smaller loan and this one is locked in at 3.5% but going to take a while to pay off, so unlikely to be removed from the monthly nut for years
Car Insurance  $225  Covers The Wife and My Auto Insurance.  We recently just priced this out.
 Electricity  $172  “Budgeted” monthly cost.  I inherited this from the previous owner so I have no idea if this is too much for my family’s need.  This might be lowered if we use less electricity than the last homeowner
 Gas  $17  Again, this is the budgeted monthly cost.   The only thing running on gas is our cooking and our hot water.  The reason it is so low is because of the next item which is new to me.
 Oil  $300 I have zero clue how much oil we will use in a year, but I do know it costs about a grand at current rates (which I locked in) to fill up the tank so if I have to fill it up 3 – 4 times a year we are in this world
 Gas  $300  Reviewing my American Express Bill from last year it looks like The Wife and I spend about $300 a month on gas.  This number is something we should be able to fix with a little better planning.
New Car $500  As explained above we are getting The Wife a new car in the next few months
 Food for Home $540 According to AMEX this is what we spent at the following shops: Target, Stop and Shop, Shopright and Trader Joes – last year. I am not sure how much is food and how much is other since I don’t go to any of those stores except Trader Joes.
 Total:  $6,024 Wow.

 

Missing items that could be shut off right away:

  • Water – Poland Springs $40
  • Pet Insurance $50
  • Average household purchases: $225
  • No clue on restaurant/bar expenditures

Ever try to calculate your monthly nut with this much detail?  It is pretty rare that I put myself out there this much but feel free to comment!

March 13, 2013 24 comments
0 FacebookTwitterPinterestEmail
Personal Finance

Are You Still Paying for a Landline?

by Evan February 20, 2013

Before we moved The Wife and I had a landline as well as a virtual line that came with our triple play package.  We kept the landline because the town house was set up for one line and The Wife needed a fax line so the landline provided a ghost ring for faxes.  Now that we are in the new place we decided it was back to optimizing our Monthly Nut and the landline was the first thing to handle.  Your monthly nut is the bare minimum you must spend on expenses, bills, debt repayment, etc.  It is the money you need to meet your obligations each month.

Lower your monthly nut, and you’ll have more money to get ahead, whether that means saving for retirement, investing, or creating a large emergency fund.  My favorite way to decrease your monthly nut is to pay off debt. Once you pay off a debt and are free of that monthly payment, you automatically lower your monthly nut.

Since we are on the topic of landlines, if you’re still holding on to your landline, you’re likely paying at least $30 a month, if not more, and it is unnecessary.

Not Needed for a Security System

Some people keep their landline because they think it’s necessary for a home security system, but the market has evolved, and now home security systems no longer require the homeowners to have landlines.  The serviceman who installed my alarm system yesterday didn’t even ask about a landline yet I have monitoring. More and more security companies are eliminating the need to have a landline.

Not Needed for Home Phone Service

If you have a conservative cell phone plan and don’t want to use your cell when at home, there are other ways to have phone service without using a landline.  For instance, Ooma offers VOIP phone technology, and this service is unbelievably reasonable.  All you need is an Internet connection and the Ooma device (which runs $179, but you’ll recoup that cost in just a few months after you ditch your landline service).

Like I mentioned earlier, for us it came with our triple play package for an insignificant amount more.

If you’re trying to get ahead financially by investing or saving for retirement or you’re trying to eliminate debt, lowering your monthly nut is the best way to do this.  A few years ago cutting your land line might not have been an option, but now, with the many ways to get around landline phone service, there is no reason to keep paying for the expense.

February 20, 2013 14 comments
0 FacebookTwitterPinterestEmail
Personal Finance

Do You Consider Little Increases When Making Monthly Subscription Decisions?

by Evan February 4, 2013

I am in a constant fight with cable companies, cell phone companies, and most other monthly fees I am forced to pay.  Granted they may not know we are fighting, but trust me, we are.  Other than the internet I don’t feel like I ever get enough utility or satisfaction from most monthly services so any increase bothers me.

I was talking to a buddy this past weekend and we were talking about why The Wife and I chose not to get a television in a certain room in the new house.  Besides not wanting to shell out the $800+ for another new television I had no interest in paying $15 or $20 a month for yet another HD Receiver Box which increases my monthly bill another 10% or so.

While he understood the TV purchase problem it seemed foreign to him I would even think about the other part of the equation.  It obviously isn’t the money, $15 or $20 is not breaking my house, but rather, it is just more money I am sending to a cable company I don’t want to send any!

I feel like if I can optimize those monthly bills I don’t even begin to think about I am ahead of the game in terms of saving money that isn’t being spent on monthly subscription services.

February 4, 2013 18 comments
0 FacebookTwitterPinterestEmail
  • 1
  • 2
  • 3
  • …
  • 8

Follow on Twitter

Tweets by MJTM

Sign Up to Receive Posts

Subscribe our Newsletter for new blog posts, tips & new photos. Let's stay updated!

Popular Posts

  • 1

    What Can John Wooden Teach us about Stock Analysis?

    June 14, 2010
  • 2

    10 Year Anniversary at Work

    May 18, 2017
  • 3

    Three Common Qualities of High Net Worth Individual’s Balance Sheets

    January 31, 2010
  • 4

    The Best Kept Secrets of the World’s Most Successful Self-Made Millionaires

    September 19, 2019
  • 5

    Top 5 Finance Sites

    August 22, 2008

Back To Top