10 Best Free IPL Cricket Live streaming sites

1. Airtel                                                                                                                                                        If you are an Airtel prepaid user, there is the Airtel prepaid recharge pack for Rs 599 that bundles 2GB data per day, has 56 days validity, offers unlimited voice calls and bundles the Disney+ Hotstar VIP subscription. You also have the option of the Rs 448 plan with the 28 days validity. This pack bundles3GB data per day, with unlimited calls and the Disney+ Hotstar VIP subscription. If you are looking for an even longer-term recharge option, you may want to opt for the Rs 2,698 recharge option this has 365 days validity with 2GB data per day, unlimited calls and the Disney+ Hotstar VIP subscription. All plans also include the Airtel Xstream video streaming app subscription.

2. Reliance Jio Cricket Pack                                                                                                                        If you are a Reliance Jio prepaid user, there are multiple prepaid recharge options that you can pick and get the Disney+ Hotstar VIP subscription bundled. The Jio Cricket Pack Rs 401 recharge offers 28 data validity, with unlimited voice calls and 3GB data per day. If you want a longer duration recharge with similar Disney+ Hotstar VIP subscription bundles, you choices include the Rs 598 plan (56 days validity, 112GB data and unlimited calls), the Rs 777 recharge (84 days validity, 131GB data and unlimited voice calls) and the Rs 2599 pack (365 days validity, 740GB data in total and unlimited calls). There is also the Rs 499 Jio Cricket Pack recharge option that offers 56 days validity with a total of 84GB data bundled—that works out to 1.5GB data per day. But this does not bundle any voice calls.

3. Reliance JioFiber Unlimited Plans                                                                                                      The recently updated Reliance JioFiber home broadband plans also bundle subscriptions to video streaming platfoms, as part of the subscription. The new broadband plans start at Es 399 per month, but the streaming app subscription bundles start with the Rs 999 plan, also called the JioFiber Gold plan. The Jio Fiber Gold plan for Rs 999 (150Mbps speed and unlimited data), the JioFiber Diamond plan for Rs 1,499 (300Mbps speed), the JioFiber Diamond+ plan for Rs 2,499 (500Mbps speed) and the JioFiber Platinum plan for Rs 3,999 (1Gbps speed) all bundle the Disney+ Hotstar VIP subscription, along with Sony Liv, Jio Cinema, Voot and Zee5 to name a few.

4. Flipkart                                                                                                                                                     If you regularly shop on Flipkart, you may not have realized but you could have been earning SuperCoins. Basically, for a specific amount of money you spend, you earn some coins—every Rs 100 spent on the platform earns you 2 SuperCoins, which you can then redeem later. Head to Flipkart.com and then to the SuperCoin Zone to know the offers. At this time, you can collect a Disney+ Hotstar VIP annual subscription for 399 SuperCoins or a Disney+ Hotstar Premium annual subscription for 1,499 SuperCoins. Depends on how much you have shopped on Flipkart so far, but of you have enough SuperCoins, this could be a good value pick.

5. Disney + Hotstar                                                                                                                             Disney+ Hotstar is available with two subscription options. There is the Disney+ Hotstar VIP pack which costs Rs 399 per year while the Disney+ Hotstar Premium subscription is priced at Rs 1,499 per year. The Disney+ Hotstar VIP pack includes Live sports including the IPL cricket streaming as well as the Premier League football and Formula 1, as well as Multiplex blockbusters, Disney+ content dubbed in Hindi, Indian TV shows and Hotstar Specials. The higher-spec Disney+ Hotstar Premium subscription includes all that the Disney+ Hotstar VIP subscription offers, plus Disney+ Original shows as well as American TV shows and movies. The Disney+ Hotstar service is available on the web as well as apps for a variety of platforms including Android, iOS, iPadOS, Android TV and Apple TV.

6. Cricbuzz                                                                                                                                                   If you prefer live score updates or commentary over watching the entire cricket match, then Cricbuzz will impress you. This basic yet popular website provides real-time cricket score updates. Cricbuzz also has its native Android and iOS applications which are ideal for checking live score updates and listening to the commentary. In addition to score updates, Cricbuzz also offers cricket based news and interesting videos like match-preview, funny moments, and post-match shows.

7. Willow TV                                                                                                                                           Willow TV is available for every streaming device like iOS, Android, Roku, Google TV, Amazon FireTV; is a free live cricket streaming site that is available for USA residents. This popular cricket streaming service is available as a channel on Satellite and Cable Networks. A majority of content on Willow TV is available in High Definition. Unlike other online cricket streaming sites, Willow TV is not free. You have to get a monthly subscription for $14.99.

8. SonyLIV                                                                                                                                                   SonyLIV is another favorable online live cricket streaming website. You can watch every major cricket series on SonyLIV. Furthermore, the site also provides detailed schedules for upcoming events and score updates for ongoing cricket matches.  Apart from live cricket streaming, SonyLIV also displays the latest news and happenings in the world of cricket.  SonyLIV has a very well-developed video player that optimizes the video quality based on internet speed. Lastly, you can also watch other favorite sports and games on SonyLIV.

9. Skysports                                                                                                                                       Skysports is another free live cricket streaming site that hosts live streams for every major cricket event. This feature-rich cricket live streaming site is very well-developed and it offers a clean and easy to navigate UI.  Apart from cricket, you can also stream other sports like Football, Golf, Boxing and much more on Skysports.  Skysports offers reliable streaming speeds and the quality of videos is impressive as well.

10. ESPNcricinfo                                                                                                                                      The next feature-rich cricket live streaming site on the list is ESPNcricinfo. You can watch live cricket streams, real-time score updates, and read detailed news and match analysis.  ESPNcricinfo covers almost every major cricket event including Test Series, IPL, World Cup, and much more. Using ESPNcricinfo you can follow your favorite cricket team and stay updated about upcoming matches and scores. Overall ESPNcricinfo is a very developed website that will impress every cricket enthusiast.

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10 Best Marketing Analytics Software to use

Marketing analytics software encompasses tools and processes which enable an organization to manage, evaluate, and control its marketing efforts by measuring marketing performance. In short, these solutions simplify and optimize a business’ marketing strategies and activities. With the use of marketing analytics software, businesses are able to improve their return on investment (ROI) by identifying effective marketing methods and adjusting campaigns to maximize conversions and sales.  

Marketing analytics considers marketing efforts across all channels and audiences, including email marketing, social media, digital advertising, and web analytics. Marketing analytics software is usually offered as a standalone solution; these products source campaign data through integrations with a company’s marketing technology stack, including marketing automation software, CRM software, digital advertising software, and digital analytics software. 

However, many all-in-one marketing platforms, such as marketing automation products, include built-in reporting features.  Marketing analytics solutions source data from marketing tools and their core functionality is to analyze marketing campaign-oriented information. Some companies opt to use analytics platforms or embedded business intelligence software instead, which can also provide insights into company data from a variety of other sources in addition to marketing data. Here some of the best Marketing analytics software listed; read on:

10 Best Marketing Analytics Software

1. Insider                                                                                                                                              Insider Growth Management Platform (GMP) helps digital marketers drive growth across the funnel, from Acquisition to Activation, Retention, and Revenue. Leveraging real-time predictive segmentation powered by deep Artificial Intelligence and Machine Learning capabilities, GMP empowers marketers to deliver personalized journeys across web, mobile web, mobile apps, and ad channels. Built on a unified data layer, GMP is easy to implement and simple to use, avoiding the need for complex integrations and dependency on IT teams. Insider simplifies the life of digital marketers and helps them drive growth for their brands, with zero marketing waste. 

2. OWOX BI                                                                                                                                                 OWOX BI is all-in-one marketing analytics service that merges data from disparate systems, evaluates the performance of advertising campaigns and quickly builds the reports you need. Data collection you'll be able to create data streams from your advertising services to Google Analytics once and never manually upload data again. It will automatically upload costs, impressions, and clicks for all campaigns to Google Analytics and you’ll get reports on all campaigns in the familiar Google Analytics interface. Automated actionable reporting OWOX BI combines data from your site, advertising services, and CRM so you can build reports without developers and without knowledge of SQL or use out-of-the-box templates from OWOX BI. OWOX BI helps find insights to attract customers, increase advertising efficiency, and reduce costs.

3. Mailchimp                                                                                                                                                Mailchimp’s all-in-one Marketing Platform helps small businesses market smarter so you can grow faster. As the backbone for your customer relationships, they provide AI-powered, user-friendly tools anyone can use to be successful. Mailchimp puts your audience at the center so you can send marketing emails and automated messages, create targeted ad campaigns, build landing pages, send postcards, facilitate reporting and analytics, and sell online. Millions of businesses and individuals from community organizations to Fortune 100 companies trust Mailchimp to connect with their audience with the right message, at the right time, in the right place. 

4. SharpSpring                                                                                                                             SharpSpring is a comprehensive marketing automation platform with robust features, functionality and performance. SharpSpring is one of the most flexible platforms on the market, offering powerful, behavior-based email marketing, native or 3rd party CRM integration, dynamic forms, landing page and blog builders, social media management, universal CMS compatibility, and integration with hundreds of applications. SharpSpring is usually less than 1/3 the cost of the competition, is the easiest company to work with and the easiest platform to use. Marketing agencies should inquire about SharpSpring's special partner program. 

5. TapClicks                                                                                                                                    TapClicks delivers a complete digital marketing reporting and analytics platform built to answer the needs of digital agencies, media companies, and enterprises. The Suite provides a complete view of marketing activities empowering organizations to make insightful decisions. TapAnalytics marketing analytics and reporting dashboard is a cost-effective, cloud-based solution. TapAnalytics customers benefit from ease of use, scalability, and proven ROI. This unified reporting and analytics dashboard seamlessly connects to over 200 services. Bring your data to life with data visualization; interactive timelines, pie-charts, geo-mapping, text widgets. Send automated email reports in HTML, PDF, and Excel formats. 

6. CleverTap                                                                                                                                            CleverTap helps you retain your mobile users. It is a powerful mobile marketing solution that brings together user data with an omnichannel approach on a centralized platform. It is the most powerful, comprehensive and user-friendly solution to all your behavioural app analytics, user engagement and retention needs. With CleverTap you can Build an omnichannel customer experience that retains your users. Deliver incredible user experiences with hyper-personalized campaigns Create delightful & personalized omnichannel engagement campaigns.

7. Adverity                                                                                                                                            Adverity is an intelligent marketing analytics platform specialized in enabling data-driven marketing teams to make better decisions and improve performance, faster and easier. By transforming siloed data into actionable insight, reduces the complexity in demonstrating the return on investment of multichannel campaigns. Through automating data integration from hundreds of sources, our vendor-agnostic, end-to-end platform delivers a single view of marketing performance across your business. With the help of powerful data visualizations, Adverity reveals tangible business impact of marketing activities and improves performance by uncovering real-time opportunities to fuel growth with augmented analytics. Adverity is on a mission to empower teams to effortlessly utilize their data and turn it into powerful insights, decisions and actions. 

8. MoEngage                                                                                                                                    MoEngage is an intelligent customer engagement platform for the customer-obsessed marketer. Helps you delight your customers and retain them for longer. With MoEngage you can analyze customer behavior and engage them with personalized communication across the web, mobile, and email. It is a full-stack solution consisting of powerful customer analytics, AI-powered customer journey orchestration, and personalization capabilities in one dashboard. It helps businesses grow their customer lifetime value by engaging them throughout their lifecycle with personalized communication. Marketers and product owners can use MoEngage to maintain customer profiles, segment them into relevant groups, and then engage them with personalized campaigns across channels. 

9. SALESmanago                                                                                                                          SALESmanago is all-in-one, next generation AI powered marketing automation software allows you to deliver enhanced customer experience by aggregating all your individual customer data and deployment of cutting edge Machine Learning & AI Solutions. It identifies people visiting your website, analyzes their online behaviour and transactions, and delivers personalized, perfectly tailored offers during complete customer lifecycle in all marketing channels. This solutions cover all key challenges of modern eCommerce business like: increase of revenue and conversion of outbound and inbound activities, boosting overall marketing effectiveness, driving consistent omnichannel communication, purchase process optimization and managing complete customer lifecycle. 

10. WebEngage                                                                                                                              WebEngage is a customer data platform and marketing automation suite that makes user engagement and retention simplified and highly effective for consumer tech enterprises and SMBs. Thousands of product and marketing practitioners design intuitive user lifecycle journeys on the WebEngage dashboard to convert existing users through data-backed, timely campaigns across multiple channels. The platform offers: Engagement: Mobile Push Notifications Email SMS On-Site Messages Web Push notifications In-App Messages IVR WhatsApp Facebook Product Analytics: Segmentation Funnels Cohorts Uninstall Analytics Marketing Analytics: Revenue Analytics, Campaign Performance Analytics, Tag-based Analytics.

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10 Best Cheap Flight’s rates, services and traveling websites

1. SkyScanner                                                                             SkyScanner is an informational and traveling website for those people who frequently need to travel from one country to another country. Here they can get all detail regarding flight timing, rates, available flight in any specific country, and even compare the cheap flights, hotels, and car rentals offer as well. So, the overall aim of this website is not to give information about flights and hotels only. It lets its users get instant information about what is more reliable and what is cheapest in a specific country. The way of working on this website is straightforward. It compares the cheap flights, hotels, and car hire of most of these services providers and helping the people to get the information to their favorite travel destinations. With this website, they can also book directly with no fees on this website at all. Moreover, the services of SkyScanner can be acquired via its official application for smartphones, as well.

2. Webjet                                                                                                                                                      Webjet is a place over the internet where the travelers come to compare the flight’s rates and services. They book the flights, cars, hotels, travel insurance and much more directly from this platform and make their trip remarkable. Here they also come to get the holiday package information as well if anyone is offering across the globe. If you are also looking for the best means over the internet for finding the cheap flights from multiple airlines across the globe, then Webjet is simply the best means for that because it has covered the information of all. You will never find its website complicated at all. Start using the web-based services of Webjet and makes your next booking with this platform and enjoys the unparalleled travel choice on a cheap domestic flight with the largest online travel agencies in the world.

3. Priceline                                                                                                                                                   Priceline is one of the best for getting the best and perfect deals on flights, hotels, car rentals, and other travel abroad services. If you are looking for a platform offering you deep discounts on many services in other destinations, then you need to use the web-based services of the Priceline. It is your one-stop solution to get exclusive savings. Priceline is also available to use on smartphones and tablet devices as well that make it better than others. From both of the platforms, the willing travelers can get the exclusive tonight-only hotel deals and access only flight, hotel, and rental car deals. With the official application of the Priceline, they stay connected with the important trip details anytime and anywhere. Priceline is simply the best above all when it comes to saving more and more without losing the quality and services at all.

4. Hotwire                                                                                                                                           Hotwire is an online medium for knowing about cheap hotels, cars, airfare and last minute travel deals as well. This web-based platform allows its users to save maximum amount on flights, hotels and car rentals services. It is like having a complete holiday package at a minimum possible price. From the official platform of Hotwire, one can easily book the last minute flights as well. This web-based platform basically works by selling off unsold travel inventory at discounted prices. This platform also shows the prices and the travel dates of all their products upfront and does not sell by means of bidding or auction system at all. It also offers a set of open travel APIs that can be used in the travel applications as well. This platform has a lot of things to offer to its users that are in addition to direct flights regarding services.

5. CheapOair                                                                                                                                 CheapOair is the best means for getting the detailed information regarding cheap flights, hotels, and car rentals. The web-based saving services of this platform will let you save more and more on cheap and discounted flights. The specialty of this platform is that it offers the information regarding cheap flight tickets, hotels and car rentals at popular destination of the world. Just move to the official website of the CheapOair to get the detailed information and book now and travel the world for less. All of the fares information displayed at the official website of the CheapOair are including services fees and taxes. That means you are not going to pay extra or hidden charges at all. Before booking the flight or purchasing the ticket directly from the CheapOair, you must keep in mind that the ticket purchased or non-refundable.

6. CheapAir                                                                                                                                     CheapAir is one of the largest holidays and trips enjoying platform where people across the globe come to search cheap airline tickets. They book the discounted air tickets here after getting the detailed information about discount airfares. They also get the information about the cheap last-minute fares and much more to make the better decision for their next trip to any location in the world. That helps them a lot of to make the best decision and planning. Two unique services of the CheapAir are TravelDeals and FareTracker. The TravelDeals section offers you the complete package from tickets to accommodation and car rentals of a specific destination. The FareTracker is the other section to keep tracking the cheapest available flights all the time. The unique features Price Drop Payback system launched by CheapAir makes it the only platform to offer credits when airfares drop after purchase.

7. Wotif                                                                                                                                                  Wotif get best accommodation deals and save more and more with amazing rates on flights, car rentals, hotel booking. It is simply your one-stop destination where you can get the detailed holiday packages at very cheap rates. The everyday deals section of this website allows the people to find anytime and every day the deals for their next trip. There is a dedicated section for local knowledge as well to get the information about the millions of hotels in any location by reading the reviews of the existing customers. A wealth of knowledge you can get in this section. Overall this platform has everything regarding travel like searching, planning and booking the flights, hotels, cars, packages, activities. You have only made Wotif will do the decision and rest of the planning.

8. Helloworld                                                                                                                                Helloworld Travel is a web-based platform for finding deals on flights, accommodation, car rentals, cruises. It is simply the best means over the internet for making your journey to aboard remarkable as it knows what the best packages available in any destination of the world. From its official website after getting the detail information about any subject matter, you can also book the flight as well. Helloworld do not directly deal into the booking of services at all rather it redirects its users to the nearby travel agency where the users can have rest of the details regarding booking. If you are looking for the means of searching cheap flights over the internet or simply want to get information regarding cheapest airfares over the internet right now, then Helloworld is the solution of all of your issues because here you can get connected to the travel experts.

9. SKYCHECK                                                                                                                         SKYCHECK is not a platform for finding information regarding cheap flights only rather it is a web-based means of getting information regarding updated cheap flights at a glance. It allows its users to easily get flights services with all major airlines at very low prices. Before booking the ticket, they can surely perform the flight fare comparison as well to see who is offering the services at reasonable prices along with best flight services. The web-based services of SKYCHECK are available to its users around the clock, free of charge and thus offering the price comparisons for the airplane tickets to their choice. To find the flight details and deals via this platform, the users only need their favorite browser for accessing this website, and after that, they will be ready to get them all available information on the go. The flights comparing the system of SKYCHECK make it easy to book tickets for cheap flights.

10. Fly                                                                                                                                                        Fly is a web-based means for finding the cheapest flights by first comparing the hundreds of airlines and travel sites in one search. It is making it simple for its users to compare now and save big on most of the airline services. After using the services of Fly, you will surely say it was this platform that found the best bargain. Fly is not an independent source of information at all. It gets the information from five hundred websites to find the cheapest flights. The fare calendars of Fly allow the users to show the best prices over the next half years on thousands of routes. The other section is regarding nearby airport savings to get an alert in case of available cheap flights from the nearby airport. In addition to all of the mentioned services, Fly allows its users to get the information regarding hotel packages as well.

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10 Best Content curation software to use

Content curation software helps businesses discover content from third-party sources and share it with their own audiences for marketing purposes. Curated content can include written content, such as news articles, blog posts, and social media messages, as well as visual content, such as infographics, videos. Marketing teams use content curation software to engage their audiences, attract prospective customers, build credibility, and demonstrate thought leadership. Here best Content curation platforms are listed; read on:

10 Best Content curation software to use

1. ContentStudio                                                                                                                                           ContentStudio gives you the ability to discover topic-relevant content filtered by social shares, different media types and virality. Select posts individually from your topic feeds or setup an automation campaign with your own rules to publish content automatically to your selected channels. Discovery, Find, analyze and share top performing content for any topic or industry. Plan and collaborate with your teams on an intuitive editorial calendar. Schedule content to all of your channels and networks from a single place. Analytics, Track KPIs and measure performance across all the channels.

2. UpContent                                                                                                                                              UpContent technology helps reduce the amount of time spent searching for content by 65% on average and is available both as a standalone application as well as a premier Hootsuite Content Source and Stream. Build trust and deepen relationships with curated content. A better way to discover, collaborate, and distribute relevant third-party content that helps turn leads into loyal customers. It's suggestions are used by marketers worldwide to power their social media, email marketing, and website conversion efforts as well as support their original content creation. The technology offers an array of plans that are designed to offer only the features needed at a price-point that fits your budget.

3. AdvisorStream                                                                                                                                         AdvisorStream is the only marketing platform fully partnered with the world's most credible and trusted publishers. The award-winning service helps financial advisors engage their clients and win prospects through timely, personalized, and compliant investor communications. An omni-channel marketing service, AdvisorStream delivers the highest-quality and up-to-date article, commentary, video and infographic content through newsletters, social media, emails, websites, and client portals. Every year, AdvisorStream delivers hundreds of millions of communications materials on behalf of its vast network of financial advisors. 

4. Cronycle                                                                                                                                             Cronycle is an all in one tool for content curation, content collaboration and content distribution and sharing. Content discovery is made easy with recommended sources like related topics, RSS and Experts on Twitter. To dig deeper, the above sources combined into feed can be optimized using advanced keyword filters to bring out content specifically useful for you. They can also push the same items to websites via our WordPress plugin or RSS. Cronycle workspace covers the entire journey with research, curation, validation, collaborate and pushing to social media, newsletters. The gains in terms of efficiency in any content marketing, content research, market research, learning management activities save days worth of efforts. 

5. Curata                                                                                                                                                 Curata provides two software solutions: Curata CMP (Content Marketing Platform) and Curata CCS (Content Curation Software). Curata CMP includes strategy, production and analytics modules that enables you to: Analyze marketing and sales pipeline impact Streamline your content production process Build a predictable content supply chain With Curata CCS, you can tap into the power of curated content in addition to creating original content to boost lead generation, be a thought leader and publish consistently. Curata CCS enables you to: Discover the best content with our self-learning engine Easily organize and contextualize with just a few clicks Publish and promote your content anytime and anywhere. 

6. Drumup                                                                                                                                         Drumup is an end to end social media content scheduling and discovery app, and can cut down your social media management effort by up to 90% (works with Twitter, Facebook and LinkedIn). It discovers relevant and engaging stories of interest to your social media audience from around the web, that you can schedule for multiple social media accounts. You can also add custom posts to your content queue for publishing. DrumUp also allows you to link your blog feed on your social accounts. In addition to these features, DrumUp offers a content library, hashtag suggestions, and an employee advocacy program.

7. Quuu                                                                                                                                                         Quuu is the number one source for quality content and the only place where each and every piece has been hand-reviewed in house. Content curation makes you stand out from the masses on social media. It’s a way of providing value and consistency to your followers. However, doing it properly is a time-consuming process, so automating this using Quuu gives you back that precious time to work on your business. Quuu is the only tool that hand-curates content in over 500 interest categories, meaning you'll always have relevant posts to share with your audience on social media. 

8. Scoop.it                                                                                                                                           Scoop.it Content Enterprise also helps to share content within organizations in an impacting way. This solution allows to show expertise and generate traffic through integrated social sharing. Since the launch of the service in 2011, 4 million users have published tens of millions of pieces of content to attract hundreds of millions of readers every year. provides the software and technology to make content publishing much more time-efficient and impacting for marketing and knowledge sharing within the enterprise. Scoop it Enterprise is used by thousands of businesses to manage content curation for content marketing.

9. NewsCred                                                                                                                                     NewsCred’s software empowers teams to flawlessly orchestrate marketing at enterprise scale across teams, content, channels, technology and data  enabling them to execute faster, achieve more, and demonstrate results unleashes the potential of marketing teams by transforming how they work. Purpose-built for marketers. Founded in 2008, NewsCred has partnered with hundreds of the world’s best marketing organizations to provide unprecedented control and visibility, improve operational efficiency, and elevate the impact of marketing.  

10. Sniply                                                                                                                                                       Sniply is a simple tool that allows you to overlay your own custom message onto any piece of content, creating an opportunity for you to include a call-to-action with every link you share. People use Sniply to drive conversions from every piece of content they share. You can drive traffic to your website, downloads of your app, registrations for your event, customers for your service. Sniply opens up a whole new layer of analytics that you can’t get anywhere else. Their analytics can track how many people click on your links, how long they spend on the pages you send them to, and lots more.

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10 Super effective ways to Save money

If you feel swamped about how to save money, you’re not alone. While some may think saving money is relatively straightforward, So even though spending money is arguably more exciting, you should consider saving money a priority. And there are plenty of ways to save money that don’t involve making sacrifices, either. Sometimes the best way to start saving money is simply to become more aware of your finances and spending habits. With an understanding of your budget and your true needs, you may start putting away more money than you ever expected. To effectively save money, you should consider both long-term strategies like paying down debt, and short-term tactics like skipping the cocktail at the restaurant. While you may not be able to overhaul all your spending habits overnight, with time and consistency anyone can learn how to put some money aside. Whether you’re looking to start saving for the future or you’re just looking to be financially savvy right now, there are many reasons that you may struggle with saving. Keep reading for some practical money-saving tips, or jump to the section that’s most helpful for you:

10 Super effective ways to Save money 

1. Make a budget                                                                                                                                        The first place to start when trying to save money is to assess how much you really have and where that money is going. Consider using the 50/20/30 rule to create a budget. The 50/20/30 rule states that fifty percent of your income should go to essentials like rent and food, twenty percent should go savings, and thirty percent should go to personal expenses like entertainment. At the heart of any savings plan is a budget. Budgeting helps you prioritise your expenditure and find a balance between spending and saving across a whole year.  By checking your credit card statements, bills, banks statements and receipts, you can work out all your regular expenses, such as your rent or home loan, transport, insurance and electricity.  You then deduct these expenses from your income your full or part time job or casual work, pension, government benefits, child-support payments, investments, etc.   

2. Track your spending                                                                                                                          You may be surprised about where your money is going. Keep a record of what you spend to see how small expenses add up. You may not think that coffee every once in a while makes a dent in your savings, but seeing the sum of your purchases may change your mind. We can fall into the trap of thinking spending on big things is what gets us into trouble, when often it’s the little things that end up costing us more.  That’s why it’s important to keep track of your day-to-day spending, so you don’t live beyond your means. Your bank statement will tell you how much money is going into your bank account and how much is going out. You can then compare it with your budget to see whether you’re sticking to it or not. You can then identify areas where you can save.  Just the thought of having to track our spending can ward off impulse purchases.

3. Pay off your credit card                                                                                                                        Pay off your cards every month to keep your debt from piling up. If possible, avoid going into debt in the first place by spending within your limits and keeping your credit card at home. With a savings built up, you won’t have to put unexpected expenses on a card. Paying your credit card in full and on time is the best way to avoid interest charges and late-payment fees.  To avoid missing your repayments, MoneySmart recommends setting up a direct debit payment. And you should pay more than the minimum required, otherwise you’ll end up paying lots more in interest. Talk to a financial advisor about your options regarding your debt. You may find that consolidating multiple high-interest payments into one lower interest payment is an effective debt management strategy.

4. Open a savings account                                                                                                                         By restricting access to your money, savings accounts can give you a higher interest rate than a basic transaction account.  Savings accounts are somewhere you can put some or all of your discretionary income – the amount left over after paying for personal necessities and tax and any windfalls. You can ward of the temptation to spend this discretionary money by setting up automatic, scheduled transfers from your main account to your savings account. If you have to manually transfer money into your accounts, you may be more likely to forgo saving altogether. Try having a portion of your paycheck automatically deposited to a savings account to keep you contributing consistently.

5. Focus on recurring expenses                                                                                                              While every little bit helps, it’s your large, recurring expenses that provide the most fertile ground for boosting your savings, Go over your bank statements and look at all the things you have spent money on over the past year. Then see how much money you can save on them by, for example, refinancing your home loan, comparing insurance providers and other services. Spend a day going over it all and you can save thousands. While every little bit helps, it’s your large, recurring expenses that provide the most fertile ground for boosting your savings. Shopping for a cheaper energy retailer could you cut your energy bill by almost half; Insurance costs can run into several thousand dollars a year, so a saving of 10% could equate to hundreds saved. Cutting your fuel costs requires constant vigilance. Even if you’re happy with your mobile and internet service providers, ask them if they have a cheaper plan. This is information they don’t always volunteer to existing customers.

6. Control your impulses                                                                                                                      Credit cards, ATMs and online shopping make it easier than ever to spend money. Especially on things we want rather than need; the extent to which we succumb to temptation typically boils down to our willpower. Studies have shown that self-control is a bit like a muscle that tires out with use.  Ironically, it’s the willpower of poorer shoppers that tends to get depleted the most. This is a result of the fact they face repeated, difficult financial decisions. It’s not that the poor have less willpower than the rich, Rather, for people living in poverty, every decision even whether to buy soap requires self-control and dips into their limited willpower pool.  If you see something you want wait at least a day before you buy it 30 days if it’s a non-necessary big purchase. You might find the urge passes. Another way of short-circuiting your impulse to buy is to work out how many hours of work the purchase price represents; chances are you’ll think the item’s not worth it.

7. Smooth your bills                                                                                                                                 Bill smoothing is a payment system offered by utility providers electricity, gas, water whereby you pay them fortnightly or monthly, instead of having to pay the whole bill in one go.  It protects people on tight budgets from bill shock and having to go into debt and potentially pay interest.  This allows you to save money up over time to pay for certain bills annually versus, say, monthly taking advantage of discounts for paying bills and premiums in one hit rather than in instalments. Evaluate whether or not you’re being as conservative as you can with your utilities. Some quick tips to save money on your bills include: Insulating your windows with a simple sheet of bubble wrap, unplugging appliances you’re not using, and turning the faucet off when you brush your teeth.

8. Plan your meals                                                                                                                                  Meal planning is one of the easiest ways to save money If you know what you’re eating for the week and have shopped accordingly, there’ll be no need for random visits to the supermarket. Extra visits result in your spending more money and even wasting food. It will be even easier for you to stay within budget by buying all of your staple items at lower-priced stores; using the food you already have in your cupboard, pantry, garden and freezer to save money. Make a list of what food you’ll need for the week, keeping in mind what meals can be made from the ingredients, and don’t buy anything that isn’t on your list. It helps not to go to the grocery store hungry or with a picky eater. Americans waste about one pound of food every day, adding up to enough food to feed 2 billion people annually. Many foods are still safe to eat weeks after the date on the package, so take a second look at the food inside the package before tossing it.

9. Become a promiscuous consumer                                                                                                         If you’re a brand loyalist someone who repeatedly buys a product or service; Chances are the vendor in question knows you’re less price sensitive than most prospective customers. They could be taking advantage of your loyalty or, worse, taking you for granted by charging you noncompetitive prices.  Don’t allow your emotional connection to a vendor to get in the way, start looking for a better deal elsewhere. Just the threat of leaving may prompt a better offer from your current supplier. They’ll understand retaining existing customers is usually far cheaper than winning new ones. And if they don’t give you a discount or free upgrade. Not just in newspapers and junk ads anymore, coupons are available on company websites, apps like SnipSnap, and online. Before you go out shopping, check your phone or computer and increase your savings.

10. Avoid a poverty mentality                                                                                                                 Many people consider thrift  using money and other resources carefully and not wastefully a virtue.  However, while thrift is an obvious way to save, we need to guard against being too frugal; Ultimately, the only way to get ahead financially is to focus on earning, saving and investing. Focusing on skimping on the grocery and electricity bill will only get you so far, and puts you at risk of a poverty mentality.”  A poverty, or lack, mentality is one preoccupied with a shortage of money: all the things the person doesn’t have and can’t get, These people tend to have self-limiting beliefs and to make decisions based on fear of loss or failure. In contrast, people with a prosperity, or abundance, mentality base their decisions on what the possible benefits are.

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