New Features of the iPhone 6

The iPhone 6 has just come out, and with it are some great new features. Each new model of the iPhone improves upon its predecessor, and the iPhone 6 is no different. For those of you that have purchased one, and are looking to see what you can do with it, or for those of you that are thinking about buying one, below are some of the best new features found on this device.

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  1. Image Stabilization – Tired of your photos not coming out well because you were moving while you tried to take them? With the iPhone 6 Plus, you don’t have to worry about this anymore. Through a combination of new technology and improving its camera, if your hands are shaking while you take a picture, your pictures will still come out looking amazing. The best part is that this process is completely automatic, so you don’t have to do anything extra to get great photos.
  2. WiFi Calling – With the iPhone 6, you no longer have to be connected to a mobile network in order to make a phone call. We all know how frustrating it was when trying to make a phone call but couldn’t because of a poor connection. Calls are much improved in the iPhone 6, making them easier to connect, less likely to drop, and you can hear the other person better than ever before.
  3. Apple Pay – While Google has been toying around with NFC payments in the past, it has now made its way to Apple devices. With this technology you can store credit/debit card information in your phone, and use it to pay for things. All you have to do is tap your device on the symbol at the register, and your purchase will be paid for. Some large companies have signed up to implement this in their stores, but it is still too early to tell if it will catch on.

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These are just a few of the big features that have been added to the iPhone 6. There are plenty more, and it is definitely an improvement over the older models. If you are looking to get the most up to date phone out there, and one that offers you a ton of different features not found on other devices, then you can’t go wrong with the iPhone 6 or the iPhone 6 Plus.

How to Keep Your Phone Secure

If you have a smartphone, chances are you have a ton of information stored on there. There are log-in passwords, emails, phone contacts, pictures, and maybe even credit card information. If someone were to gain access to your phone, they would have a ton of your personal information that you probably didn’t want to share. For this reason it is important to take steps to make sure that your smart phone is secure. There are ways of protecting it to ensure that if you lose your phone, or get some kind of malicious software installed on it, your data will remain protected.

The first thing you want to guard against is physical theft. While you can’t really stop someone from stealing your phone in most cases, you can at least stop them from gaining access to it once they have it. The easiest thing to do is have a secure lockscreen on your phone. Don’t just have it so that anyone can swipe open your phone. Most phones will let you choose what type of security you want to use, with choices ranging from a password, to a pattern, to facial recognition. By having something on your screen that only you can open, you will be safe from unwanted visitors.

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Once you’ve protected yourself against physical intrusions, you want to protect it from digital ones. First, make sure you have anti-virus software installed on your phone. There are a ton of free ones you can find in your phones app store. Using one of these will protect you if you accidentally download some malicious software.

Another thing you’ll want to do is make sure that you are only downloading apps from trusted sources. There are apps that you can download that are not on the app store, but you will probably want to stay away from these. They have not passed the guidelines necessary to ensure that they are safe,and you could be downloading something that will steal your information. Also, don’t root or jailbreak your phone. Doing so removes a lot of security features that come with your phone, and you will be vulnerable without them.

Lastly, the best way to protect sensitive files is simply to not have them on your phone. Even if you take a ton of precautions, there is always something that can go wrong. If you have something that you don’t want getting out, like personal information, try to not store it on your mobile device. It may seem easy to just simply store this information on your phone, but it can cause you a headache in the future.

While these tips won’t stop you from every break in, they are a start. Just remember to keep a lock on your phone, to not make the password easy to guess, and to only install apps from trusted sources. If you can do things like this, you are well on your way to making sure that no one gets access to your phone. But again, these methods are not foolproof, so if there is something you don’t want getting stolen, try and not store it on your phone.

Improving Your Credit Score

Mobile phones are becoming more and more expensive each day. Because of this, very often mobile carriers will want to perform a credit check before they approve you for a contract. These are expensive contracts, and they want to make sure that you have a good financial history before they give one out to you. If you have a low credit score, this could keep you from getting the type of phone and data plan that you want. While there are other options for you in the mean time, it would be a good idea to start working on your credit score so that next time around you can get the plan that you want.

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To start improving your credit score, there are a few things you should look at. The first thing you’ll want to look at is how much debt you are in. Whether you have taken out loans or used a credit card a lot, a large amount of debt reflects poorly on you. Make a list of all the different debts you have, and list them from the ones with the highest interest rates, to the lowest. Start trying to pay off the higher interest rates first so save yourself some money. Even if you can make only a slightly larger payment each month, it will help you in the long run. If you have many different small debts, consider consolidating them into one loan to make it easier to manage.

Besides paying down your debt, you’ll also want to look at how you are making these payments. On time payments are key for having a good credit score. Even just one missed payment can drastically reduce your score, so you’ll want to avoid this at all costs. Make sure you budget ahead of time to ensure that you have enough money to pay it, and also write down when the payment is due to make sure that you don’t forget. The longer you go without missing a payment, the better your score will be.

This bring us to our next tip – make sure you have a long credit history. Your credit score is designed to show how reliable you are over time, so if you are just starting out, or if you are just now making improvements to your credit file, it may take some time before you have a decent score. Just keep working at it, and be sure to keep up good habits. If you can do this for an extended period of time, you should see your credit score go up.

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Lastly, be careful how you use your credit cards. You want to try and find a happy medium between overspending and keeping it locked away. Try to not use more than seventy percent of your credit limit each month, but also try to spend more than thirty percent. This shows that you are capable of using credit given to you wisely, and that you can be trusted with it. Also be sure to pay off as much of your credit cards as you can each month. Outstanding debts that are too high will harm your score.

While these aren’t the only things you can do to improve your credit score, they are a good start. Remember that this will take time, so keep at it. If you are still having trouble with your credit score after trying some of these things, you may need to talk to a professional financial adviser. But once you get your credit score sorted out, you’ll be able to do a lot more things, including getting a great mobile phone and plan. Good luck!

How to Extend Battery Life on Your Smartphone

Battery life is one of the most important aspects to any mobile phone. No one likes being out on the go, needing to use their phone, when suddenly it dies on you. You also don’t want to be that person always sitting next to the wall outlet so that you can charge your device. Instead, it would be better if your phone lasted longer without you having to keep it tucked away and not in use. There are a few things that just about anyone can do on their phone that will increase their battery life. While we won’t promise that it will make your phone last forever, you may be able to get a few more hours out of it.

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  1. Screen Brightness – One of the biggest drainers of your phone’s battery is how bright the screen is. If you have your phone on a lot, and the screen is at its brightest, you’re battery will drain itself rapidly. To combat this, try and turn the brightness on your screen down. Some phones have settings that will automatically adjust the brightness based on how bright it is around you. This ensures that you can see your screen at all times, but without killing the battery too much. If you don’t have this, try turning the brightness down as much as you can, when you can, in order to save battery. Only turn the brightness up if you are outside and having trouble reading the screen.
  2. Screen Timeout – Along with the screen brightness is how long you have the screen on for. Try to set a reasonable screen time out in the settings so that your screen isn’t on more than it needs to be. Also be sure to turn off your screen whenever you are done using it.
  3. Manage Connections – Another big drain on the battery comes from things like your data connection, your WiFi connection, and your Bluetooth connection. Turning on your WiFi and connecting to a local network, is a great way to save battery. Using your mobile plan usually takes up more battery, and you can save on data plans too. However, if you are not connected to a network, or if there is none around, you will drain your battery as it searches for networks to connect to. Turn your WiFi off when you can’t use it, and back on when you can in order to save battery. For Bluetooth, only use it when you have to and try to turn it off when you are done.
  4. Close Applications – If you have too many things running on your phone, it will kill your battery. While some phones will shut down apps for you, it is best to make sure. Some apps especially stay open at all times and continue to run, even if you are not using them. Check to make sure you have closed apps you are not using to save battery.
  5. Manage Syncing – Syncing is when your phone collects or sends data and matches it up with another service. This could be getting your emails, your Facebook feed, or uploading files. If this is on at all times, your phone may try to sync more than necessary. It may also sync a large amount of data without you knowing when you are not connected to WiFi, therefore draining your battery and running up data charges. Manage which apps will sync when, and only have them sync when you need them to. This will help your battery last longer throughout the day.
  6. Vibrate – Vibrating your phone uses a lot of energy. If you have your phone on vibrate a lot, it may be the cause of your draining battery. Try to put your phone on silent instead, or on a low ring.
  7. GPS – Lastly, there is the GPS setting. Unless you are getting directions for something, you can probably turn this off. Your phone doesn’t need to know where you are at all times. Turn it off when you are not using it to save battery. If you want to save even more battery, here is a trick: When you get directions on your phone, take a screenshot of them. This will give you a list to follow, and you can turn off the GPS in the mean time.

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How to Save Money on a Mobile Phone

Mobile phones are not cheap these days. Not only do you have to pay for the device itself, but in order to use it, you have to pay for a data plan from the mobile company. Having a mobile device has become so expensive that mobile carriers will now sometimes use your credit score to ensure that you are able to pay it back. What’s worse is that these devices are not getting any cheaper, and it is becoming harder and harder to not own one. Practically everyone has a mobile device, and they are needed if you want to keep in touch with people or need to perform certain job tasks on the go. If you are tired of spending so much money on one of these devices, there are a few things you can do so save yourself some money.

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  1. Buy a used phone – A new device is very expensive. To save yourself some money, you can get a phone that is slightly used but still in working condition. There are plenty of stores and places online that you can purchase used phones, and once you have one, you can simply activate it on your mobile plan. Be careful though and make sure that you are getting your phone from a reputable place, and make sure you know what their return policy is. You don’t want to spend money on a phone and then realize it doesn’t work properly.
  2. Buy an older model phone – When a new model phone is released, the older models tend to drop in price. Best of all, between one model and the one that comes out right after it, there are usually not too many differences. You can save a lot of money by getting a phone that came out last year, and you won’t be missing out on too many of the features.
  3. Take advantage of discounts and promotions – Many mobile carriers will offer discounts and special promotions throughout the year. Some will even give you a free phone if you have been with them for a period of time. Find out what kind of offers your current carrier has, and see if you can take advantage of them. If your carrier doesn’t have any deals that you like, shop around at other carriers and consider making a switch.
  4. Get a cheaper mobile plan –  There are a lot of different types of mobile plans out there, and they all have different costs. If you don’t use that much data each month, or if you are usually connected to WiFi, you can get a mobile plan that has the bare minimum data usage on it. The more data usage you have, the larger your bill is going to be. You can also sign up for a Sim Only plan. With these types of plans you get access to the mobile network, but you provide your own phone. You can then purchase a used phone like we mention earlier, or you can continue to use your old device. These devices are typically a lot cheaper than normal mobile plans.
  5. Look at different carriers – There are a lot of different mobile carriers out there, and each one of them offers different types of mobile plans that vary in price. The one you currently have may not be the best fit for you. Think about what your needs are and see if there is a mobile carrier that offers a plan that suits it. You can save a good deal of money by getting a plan that fits you, since you won’t be spending money on extra things you don’t need. If you are in the middle of a contract with another carrier however, make sure there are no penalties to switching out early before you sign anything else.

Hopefully with this advice you can save yourself some money on your mobile bill each month. There are a lot of different ways to save money, from your device to your plan, and you just have to find the thing that works best for you. Don’t accept that your bill can’t go any lower until you have done a throughout amount of research and tried a few of the tips above. Good luck!

Android or iPhone- Which Should You Pick?

One of the great debate of the times when it comes to mobile technology is which is better – Android devices or Apple devices? The truth is there really is no correct answer to this. Which device is better is purely based on your own personal preferences. If you are looking to get a new phone, you may be wondering which type you should get. Below we will outline the major pros and cons of each device to hopefully help you choose.

Android: We will go over Android devices first. There are a wide range of devices that run the Android operating system, and all of them are very different. They are made by different companies, and have their own features to offer. This is one of the biggest features of Android devices – you get to pick what you like. With Apple phones, you have the one model to pick and that’s it. Android allows you more customization options so that you can get a phone that suits your needs.

Once you pick a device, you have even more choices inside the phone itself. With Android phones, you can customize the user experience how you like it. There are a ton of apps that help you gain full control of your phone and use it how you see fit. While some people may find this amount of freedom overwhelming, a lot of people choose Android phones because of it. The apps on Android devices also take advantage of Android’s open system, meaning they can perform a wider range of functions compared to Apple phones. Lastly, if you are someone who uses Google products a lot, you will probably prefer Android devices as they work best with all of the Google apps out there (like Gmail and Drive).

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Apple: Apple was essentially the first company to produce a smartphone. The iPhone revolutionized the mobile industry, and it continues to be a leader in the market. If you are looking to get your first smartphone, you may want to consider an iPhone. They are designed to be user friendly, and they are very easy to use. There are a ton of apps of the market that let your device perform a lot of different functions for you.

The newest Apple devices also come with the latest technology inside. These devices look amazing, have spectacular cameras on them, have plenty of storage space, and are lightning fast. You won’t find too many performance issues when it comes to an Apple device. Lastly, Apple phones are generally smaller, and therefore easier to handle. Some of the newer model iPhones are increasing in size, so this trend may not continue for much longer.

Conclusion: As we said, picking between the two really comes down to your personal preference. If you want a phone that you can customize, and that has different function capabilities, you may want an Android device. If you want something that is easy to use, and that has great specs, then look into getting an iPhone. With the way these phones are improving, there is not much difference between them anymore. Each will give you a great user experience and they have many of the same features. You just have to do your research and see which is right for you.

6 Great Mobile Apps You Should Have

With the invention of the smartphone the world was introduced to apps. These little programs on your phone have an almost limitless potential and can perform a wide range of functions that you might never have even heard of. Most of us know the common ones, like Facebook, and some of the fun games that you can play, but there are a lot of other choices out there. To help you find some of the best apps out there, we have compiled a list. By using some of the apps below you can take full advantage of the features that your smartphone can offer.

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  1. Dropbox – For Android and Apple users alike, this app will allow you to store files on one device, and retrieve them on another. It is great for backing up your files, or accessing something that is on your computer at home from your smartphone. You can even send other users files that are normally too large for a text message or email. It syncs with practically every device, so you can have your files/pictures/music/etc anywhere you go.
  2. MyFitnessPal – Looking to get yourself in a little bit better shape? Who isn’t? With MyFitnessPal you can track all of your healthy lifestyle goals and keep track of them. You can input the type of exercises you are going, how many calories you are burning, and the foods you are eating each day. It also syncs with some activity trackers to make your job even easier. If you are serious about improving your health, MyFitnessPal is a great way to visualize your goals and stick to them.
  3. Spotify – Want to listen to music, but don’t want to pay for each song? With Spotify you can simply pay a monthly fee and you’ll have access to their extensive library of music. If you don’t want to pay for it, you can use their online, ad-supported, radio channels for free. Either way, it’s a great way to listen to music on your smartphone without spending a fortune.
  4. Netflix – Watching TV Shows and Movies at home is great, but it’s also great when you are on the go. Your commutes and wait times can be a lot more entertaining with Netflix. It’s large library consists of some of the best TV shows currently out or from the past, and it has a large movie selection that you are sure to find something you like in. You can watch it right on your smartphone any time you’d like for just a small monthly fee. And with today’s smartphone screens, the picture quality is better than you might expect.mza_2096789938490388669
  5. Evernote – One of the best features of smartphones is their ability to make us more productive. Along that line you will want an app that makes note taking a breeze. This is where Evernote comes in. With this app you can take notes on the go, and easily sort them. You can then sync your notes to other devices so that you can access them anywhere. But Evernote doesn’t just do text-based notes. With Evernote you can dictate the notes with your voice and it will transcribe it for you, and you can also add photographs to your notes. Best of all this app is completely free, unless you want to get some premium features, in which case it will only cost you a few dollars.
  6. Snapseed – For the photographers out there, there is Snapseed. While most smartphones have cameras that are improving with each new model, you may still want to edit your photo before you send it out. With Snapseed you can resize, crop, and rotate your photo, along with adding different filters to give it an extra creative touch. There are plenty of features packed inside this free app to make your pictures look great, no matter what kind of quality camera you have in your device.
  7. (Android Exclusive) Foxfi – Lastly, for you Android users out there, we have one more great app. If you have a mobile device that doesn’t connect to a data plan (say, a laptop or an E-reader), then you have probably been in a situation where you needed to connect to the internet with it, but were unable to. Your smartphone was able to connect to its mobile network, but needed to get to the internet from your other device. With Foxfi you can turn your mobile device into a wireless router, and allow other devices near it to connect. Then those devices can use the mobile network of the phone to connect to the internet. It’s like have a mobile WiFi hotspot right in your pocket. One word of caution though is to make sure you track how much data you are using, as you don’t want to be hit with overage charges when your bill comes!

With the invention of the smartphone the world was introduced to apps. These little programs on your phone have an almost limitless potential and can perform a wide range of functions that you might never have even heard of. Most of us know the common ones, like Facebook, and some of the fun games that you can play, but there are a lot of other choices out there. To help you find some of the best apps out there, we have compiled a list. By using some of the apps below you can take full advantage of the features that your smartphone can offer.

1.      Dropbox – For Android and Apple users alike, this app will allow you to store files on one device, and retrieve them on another. It is great for backing up your files, or accessing something that is on your computer at home from your smartphone. You can even send other users files that are normally too large for a text message or email. It syncs with practically every device, so you can have your files/pictures/music/etc anywhere you go.

2.      MyFitnessPal – Looking to get yourself in a little bit better shape? Who isn’t? With MyFitnessPal you can track all of your healthy lifestyle goals and keep track of them. You can input the type of exercises you are going, how many calories you are burning, and the foods you are eating each day. It also syncs with some activity trackers to make your job even easier. If you are serious about improving your health, MyFitnessPal is a great way to visualize your goals and stick to them.

3.      Spotify – Want to listen to music, but don’t want to pay for each song? With Spotify you can simply pay a monthly fee and you’ll have access to their extensive library of music. If you don’t want to pay for it, you can use their online, ad-supported, radio channels for free. Either way, it’s a great way to listen to music on your smartphone without spending a fortune.

4.      Netflix – Watching TV Shows and Movies at home is great, but it’s also great when you are on the go. Your commutes and wait times can be a lot more entertaining with Netflix. It’s large library consists of some of the best TV shows currently out or from the past, and it has a large movie selection that you are sure to find something you like in. You can watch it right on your smartphone any time you’d like for just a small monthly fee. And with today’s smartphone screens, the picture quality is better than you might expect.

5.      Evernote – One of the best features of smartphones is their ability to make us more productive. Along that line you will want an app that makes note taking a breeze. This is where Evernote comes in. With this app you can take notes on the go, and easily sort them. You can then sync your notes to other devices so that you can access them anywhere. But Evernote doesn’t just do text-based notes. With Evernote you can dictate the notes with your voice and it will transcribe it for you, and you can also add photographs to your notes. Best of all this app is completely free, unless you want to get some premium features, in which case it will only cost you a few dollars.

6.      Snapseed – For the photographers out there, there is Snapseed. While most smartphones have cameras that are improving with each new model, you may still want to edit your photo before you send it out. With Snapseed you can resize, crop, and rotate your photo, along with adding different filters to give it an extra creative touch. There are plenty of features packed inside this free app to make your pictures look great, no matter what kind of quality camera you have in your device.

7.      (Android Exclusive) Foxfi – Lastly, for you Android users out there, we have one more great app. If you have a mobile device that doesn’t connect to a data plan (say, a laptop or an E-reader), then you have probably been in a situation where you needed to connect to the internet with it, but were unable to. Your smartphone was able to connect to its mobile network, but needed to get to the internet from your other device. With Foxfi you can turn your mobile device into a wireless router, and allow other devices near it to connect. Then those devices can use the mobile network of the phone to connect to the internet. It’s like have a mobile WiFi hotspot right in your pocket. One word of caution though is to make sure you track how much data you are using, as you don’t want to be hit with overage charges when your bill comes!

Top Mobile Phones 2014

Each year newer and better mobile phones are being released. If you compare this year’s phones with phones from just 5 years ago, you’ll notice a huge change. For those of you getting a new phone for the first time in a long while, you may be surprised at what some of these newer phones can do. Below is a list of some of the best phones that came out this year, along with some of their best features. You can use this list to help you decide on which phone is right for you.

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  1. iPhone 6 – This, along with its sister model the iPhone 6 Plus, are the newest models released from Apple. It comes with a larger screen than the previous models, but it is still relatively easy to handle. Inside are a phenomenal camera, a large amount of storage space, and a fast processor. In addition, Apple Pay should be on the way soon, which will allow users to pay for things using only their mobile devices. It still has some problems with battery life, but overall this is one of the best phones on the market to date.
  2. Galaxy S5 – This is the marquee mobile device from Samsung. The S5 has made improvements in just about every area compared to its predecessor the S4 and S3. It had a beautiful display, a great camera, and the processor inside is one of the best currently being made. Another bonus is that Samsung as made a real effort to reduce the amount of bloatware (things installed on your phone before you get it that you can’t remove), which gets rid of all those pesky apps you don’t want. The biggest drawbacks on this device are the price, and the fact that some of its features aren’t very useful.
  3. Xperia Z3 – Sony has produced a smartphone that rivals the best of the other manufacturers with the Xperia Z3. It has a great display and is very fast, all without compromising battery life. If you are a PS4 owner, you also can use your device to play games on your mobile device. There aren’t too many drawbacks with this device, with the most major ones being the interface is a little wanting, and the camera doesn’t focus all that well initially. In other words, if you go with this mobile device, you will most likely be very happy that you did.
  4. Lumia 1520 – For those of you who don’t want an Android or iPhone, your other option is a Windows phone. These phones have their own unique operating system, one that is much different than that of Android and Apple. If you have used any of the latest versions of Windows for a computer, then you have probably seen it as they are very similar. The best Windows phone currently on the market is the Lumia 1520 from Nokia. Like the other phones, it has a great display that is glare resistant, a fast processor, and enough storage space. The biggest drawback with this phone is that is is on the larger side, and it can be hard to use with just one hand. In addition, there are some missing features that you would find in its rival phones. Still, if you are set on getting a Windows phone, then this is the way to go.

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Hopefully with this list you will be able to identify the type of phone that you want to get. Like we said, there are a lot of different options out there, and each year better phones are released. If you can wait on getting a new phone, you may even find a better one is released in just a few months. If not, then go with one of the phones listed above and you’ll be guaranteed to be the owner of one of the best phones on the market.

Holiday Shopping Tricks and Hacks

If you’re like most women and some men, the holiday season is probably one of your favorite times of the year. But at the same time, it may also be one of the most stressful seasons of the year especially if you haven’t started shopping for your gifts yet.

To survive the holiday rush and the pitfall of busting your budget, below are some of tricks and hacks you can and you should take advantage:

Start with a List

If Santa has a list of the good kids who should receive gifts this Christmas then so should you. Don’t just make any list with names either. When making one, also brainstorm what kind of gifts should you buy for that person. This way, you’ll save time and money when it’s time to hit the mall.

Pay in Cash

When shopping for the holidays, try avoiding using your credit card. You are better paying in cash if you want to save money and steer clear from overspending. Leave your cards behind when you hit mall just to be safe.

Start Early

Ideally, you should start shopping for gifts as early as you can. A few months before the season should be perfect but a few weeks would do to like right now. Don’t wait until the first day of December before you start shopping for gifts.

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Shop Online

If you can’t hit the malls because of your busy schedule, you can always opt to shop online. You can do it from the comforts of home during your free time. There’s no need to compete with the crowd anymore. You can also save some money if you avail of combined shipping most online stores offer their customers.

Make Your Gifts

If you’re the artistic type and you want more personalized gifts for your loved ones then might as well make your gifts from scratch. It doesn’t have to be gaudy or expensive. Even as simple as a card or some special token should do and convey the message that you loved them.

Be Wary of Sales

Sales are rampant during the holiday season and they’re good for our pockets but only to a point. Our minds are wired in a way that we think we save money with sales. That’s true but again only to a point. Whether there are sales or not, the most important thing when shopping for the holidays is to stick with your set budget.

How to Save More Money in 2014

We have barely two months before the year comes to a close. You may have committed a financial blunder or two along the way. But it isn’t too late yet to save more money for 2014. Below are some of the best strategies you can take advantage if you want to put your finances in a good place before 2015 starts:

Pay debt

Anytime is always the best time to pay down your debt. Before you get sucked up by the holiday spirit, it is a wise financial move to take care of your debt before anything else. If you have a huge debt you’ve been putting aside for months, it’s time to do something about it now.

When it comes to finances, you won’t be able to save well and more unless you reduce your liabilities first. Whether it’s a personal loan or a credit card, aim to arrange a set-up that will enable you to pay off those debts eventually.

Plan ahead

To save more before this year ends, planning is imperative. If you don’t have a solid financial plan guiding you right now then you’re putting yourself in a difficult spot. Again, it’s never too late to devise a plan. Take a moment to sit down and assess your savings, expenses, liabilities and everything else that affect your current finances.

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Shop wisely

One of the major money wasters this time of year is holiday shopping. We are all in the mood to shop and give. That’s understandable but can also be dangerous to your finances. To avoid the all too common pitfall of overspending, you are advised to plan ahead in advance. You should know how much you want and can afford to spend for the holiday then stick with it.

Seek for professional help

It’s also never too late to seek for professional help if necessary. In fact, the last few months of the year are a good time to start planning for 2015 ahead of time. Whether you need advice with your debt, investment or anything related to finances, you can end the year right and start off 2015 with a bang if you have a professional advisor guiding you along the way.

Take Care of Taxes

Don’t wait until tax time before you tackle your taxes. Procrastination never does anyone good. While you still have a lot of time now, you might want to start working on your taxes already. By assessing your expenses and tax responsibilities for the upcoming April, you’ll know which areas you can probably tweak and adjust to save more money this 2014.