How to Shop Smart - Deepstash
No More Broke

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Identifying and eliminating unnecessary expenses

How to negotiate better deals

Understanding the importance of saving

No More Broke

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How to Shop Smart

How to Shop Smart

  • Evaluate purchases by cost per use. Higher cost products may last longer, but go unconsidered because of their initial price.
  • Spend on experiences, not things, as they give you more happiness for your investment.
  • Shop solo to avoid buying unnecessary things due to social influence.
  • Spend on the real you, not the person you want to be.
  • Ditch the overdraft protection as it often trips people into overspending.

4.36K

12.3K reads

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How to Save Right for Retirement

How to Save Right for Retirement

  • Start Saving ASAP. Money you put in your retirement fund now will have more time to grow through compound growth.
  • Avoid cashing out your retirement account early as it prevents your money from being invested and leads to penalties and tax bills.
  • Contribute mo...

3.84K

10.1K reads

How to Get Money Motivated

  • Draft a Financial Vision Board, it motivates and helps you to stay on track with your financial goals.
  • Set specific financial goals stating the reason, the way, numbers and dates.
  • Adopt a spending mantra, a phrase that ser...

4.91K

14.8K reads

Budgeting Like a Pro

  • Consider an All-Cash Diet, as limiting yourself to physical currency combats overspending.
  • Set aside 1 minute a day to check on your financial transactions, to identify problems, track goal progress and set your spending tone.
  • Allocate at least 20% of your in...

5K

22.4K reads

How to Amp Up Your Earning Potential

How to Amp Up Your Earning Potential

  • When negotiating a salary, get the company to name figures first, otherwise you can’t know if you’re lowballing or highballing. 
  • Try to negotiate more than just your salary. Work hours, official title, parental leave, vacation time, and which projects you’ll work on cou...

4.18K

13.7K reads

How to Prepare for Rainy (Financial) Days

How to Prepare for Rainy (Financial) Days

  • Make savings part of your monthly budget. 
  • Keep your savings out of your checking account, as it may prevent you from spending it.
  • Open a savings account at a different bank than where you have your checking account so it won’t be too easy transferring be...

4.03K

6.96K reads

3 Financial Basics

  1. Create a Financial Calendar: prevent yourself from forgetting quarterly tax payments and to get credit reports.
  2. Check Your Interest Rate: Pay off loans, open saving accounts and negotiate credit debts based on interest rates.
  3. Track Your Net Worth: The dif...

4.73K

30.5K reads

How to Keep Debt at Bay

How to Keep Debt at Bay

  • Paying off the little debts can give you confidence to tackle larger ones. It’s recommended to focus on debts with the higher interest rates, but sometimes a moral boost is worth it.
  • Don’t cosign loans. If the borrower misses a payment, your credit score plunges and the...

3.94K

9.95K reads

How to Approach Investing

How to Approach Investing

  • Pay attention to the fees you pay in your funds, also called expense ratios, as they can eat into your returns. It’s generally recommended to stick with low-cost index funds.
  • Rebalance your portfolio once a year. You need to take a look at your brokerage account every o...

3.76K

9.41K reads

How to Get Properly Insured

How to Get Properly Insured

  • Get more life insurance on top of your company’s policy, as it is often far too little.
  • Get renters insurance and be covered from robberies, vandalism, natural disasters, and even things like the medical bills of people who get hurt at your place, damages you cause at s...

3.66K

7.76K reads

How To Best Build And Track Your Credit

How To Best Build And Track Your Credit

  • Reviewing your credit report and your credit score regularly can save you money
  • Keep your credit use below 30% of your total available credit, as it can ding your credit score. You calculate it by dividing the total amount on all of your credit cards by your tota...

3.73K

7.91K reads

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