10 High-Tech Ways to Ease-up Personal Finances
The basic needs such as food, shelter and utilities make up the bulk of our monthly bills. Any way to save on these expenses is definitely a welcomed option.
Saving is no longer a burdensome chore thanks to the development of new gadgets and computer applications. If you have yet to update your saving techniques, then you are in for a very useful read.
1. Energy-saving Monitors
Use energy-saving electricity monitoring gadgets. This wireless device can be programmed to compute your energy consumption with the current electricity rate, the result of which is displayed in a monitor. Other models also show the carbon dioxide emission of your total energy usage. These gadgets allow you to easily control your electric usage and develop energy-saving habits.
2. Alternative Power Sources
What better way to save on your electric consumption than using a less expensive and equally efficient alternative power source? Solar-charging devices such as the Globetrootter have been developed to power music and video players, and mobile phones.
3. Online Project Spreadsheets
Supervising over an important project entail accounting minute project details. Take advantage of online tools by registering and downloading online project organizers such as ZOHO. Enjoy hassle-free storing of schedules, project details, expenses, bill due dates, documents and multi-media files into an organized spreadsheet.
4. Online Financial Statement Template
For those holding many accounts, it is important to be able to have an overview of your current financial standing. Making a financial statement is made easy with online templates wherein you simply fill in relevant fields with monetary details. Your assets and liabilities are computed to show your net worth.
5. Water-saving Showerheads
Modern saving technology now includes devices that can be easily attached to the shower to save on water consumption and enjoy a comfortable spray while showering. Normal settings run at less than two gallons per minute, saving six gallons of water per shower.
6. Online Loan calculators
Calculating loan interest rates may not be easy to those who have no background in accounting. If you want to save on your current equity loans and ensure the possibility of applying for an additional loan, consolidate your debts using online loan calculators. These tools help you determine monthly payments and period of debt.
7. Electronic List Generators
Electronic list and task generators have revolutionized manual note-taking into a more effective organizing scheme. Download applications such as Vitalist or GTD to help your sort through your personal and business appointments.
8. Google Health
Staying in shape saves you a lot on medicine and hospital expenses. Today, there are online tools to help you keep track of your body’s condition, from collecting personal medical history, to secured sharing of information with your family and physicians. Google offers these for free for everyone to enjoy.
9. Online Budget Generators
Maintain an organized record of your regular expenses using these online cost tracking applications. Customize your budget spreadsheet according to numbered categories which you can edit upon incurring specific expenses. Budget generators such as PEAR BUDGET help you monitor inappropriate spending and possible savings.
10. Money Management Tools
Download these advanced applications such as MINT that can also be used to record, calculate and monitor expenses of a small-scale enterprise. These tools allow you to store data on your personal budget, and account business expenses in invoice and project management spreadsheets.
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