Your very first job is exciting isn’t it? You’ve already got butterflies in your stomach and several ideas about how you’re going to spend your first paycheck.
The last thing you want to think about is your retirement. However, before you receive your first paycheck is the best possible time to create your budget checklist.
The sooner you start saving the better off you’ll be in your later years, and you don’t have to just save for your retirement either. It’s wise to start saving now for those big-ticket items like your first car, your first home, or perhaps even your wedding.
Do I Really Need to Create a Budget Checklist to Save Money for My Future?
Here’s our first tip for saving money: Create a budget checklist, right from the word go and make sure you follow it. If you set aside money for savings from your very first paycheck, you’re not going to miss that cash at all.
A good place to start when creating a budget is to make sure all your regular bills are paid first. These include rent, utilities, phone, internet, food, travel, insurance etc. After they’ve been paid, you can put aside money for things like entertainment and clothes.
We’ve found 5 of the most helpful tips that you need to include in your budget checklist if you want to be able to splash out every now and then or buy that luxury condo for your retirement.
Spending less time watching television will give you more time to pursue other interests. You could start a side hustle, for example, and who knows, it may even turn into a full-time business for you.
Another advantage of turning off your tv is that you won’t be bombarded with commercials every seven minutes or so. Commercials tempt you to spend money, that’s what they’re for and often, particularly during meal times, those commercials are encouraging you to buy food. And we all know that’s not usually healthy food.
Turn your television off and use the money you save to invest in training or a small business venture.
Customer Reward Programs are Your Friend
Today’s retailers know the advantages of offering customer reward programs to their customers. It may take a while to earn enough points to receive a substantial reward, but if you’re going to buy those products anyway why not buy them from a retailer that’s going to reward you for being a loyal customer?
Host a Swapping Party
This tip is a two-for-one. Swapping parties can be enormous fun and they’re a great way of saving entertainment money.
Add the cost of nibbles to your budget checklist and once a month, host a swap party. You’ll save on “going out” money, you’ll spend some time with friends, and you can all take turns at hosting a party.
What kinds of things can you swap? The list is endless: clothes, books, video games, CDs, DVDs, sports equipment are all possibilities. You can even swap skills and services.
Do you need to create a website for your new side hustle? Ask your IT genius friend to do that for you while you do their housework.
Learn how to Do-it-Yourself
We don’t advise doing your own electrical repairs, however, there are a lot of other things you can do yourself instead of paying someone else. Why don’t you borrow your Mom’s sewing machine and repair or alter your clothes?
You could grow your own vegetables and if you don’t have enough space for a garden you can always grow herbs in window boxes.
Making your own gifts is a great money saver and everyone appreciates the amount of time and thought that goes into creating them. And don’t forget that anything you make, you can also sell.
Buy Generic Products Wherever Possible
Your friends don’t care if you use a $5 moisturizer rather than a $40 brand name. And if they do care? Get some better friends.
Despite what the commercials tell you, cheaper products often work just as well as more expensive ones. There’s also no need to buy a separate cleaning product for every different household surface.
There is very little in this world that can’t be cleaned with a mixture of baking soda and white vinegar.
Why Shouldn’t I Enjoy My Money for a While Before I Start Thinking About Saving?
Because that will make it so much harder. The earlier you start saving money, the more you’ll have available when you need it. This life is an unpredictable thing and you can never be sure when you’re going to be hit with an unexpected expense.
Bankrate.com recommends that your emergency fund has enough money in it to pay your essential expenses for 3 to 6 months. Keep that in mind when you’re creating your budget checklist and there shouldn’t be any nasty surprises in your near future.
Although you may not know it, Linux has been around for a few decades. Linux distros, based on the Unix operating system, are the different operating distributions of Linux. These distros are built around the heart of the Linux kernel. They are the foundation of the operating system and customized to create various types of desktop environments.
The vast majority of Linux distros have a specific use-case in mind. For instance, the Linux Ubuntu operating system was created for new Linux users. It is easy to use and customize. Another distro, Arch Linux, is for more advanced users. These users prefer to use the terminal application to install software packages and type in other commands.
So let’s take a look at some of the more popular Linux distros. We will discuss who can benefit most from them, and where you can find them.
What is Linux?
Linux is an operating system like Windows 10, Chromebook OS, and Mac OS X. Just like other operating systems, Linux manages the conversation between your laptop or desktop hardware and software. If you didn’t have an operating system, your software wouldn’t work properly.
You might be surprised to learn that Linux is in a lot of places. Your phone runs on Linux. Some of the software in your car is Linux based. Smart refrigerators and Roku devices use Linux as well. Linux runs many of the servers and systems you use on a daily basis. And the penguin is cute. So there’s that.
Why Use Linux?
Easily the most frequently asked question people want to ask is “Why use Linux?” It’s a different operating system, with a different environment, and a different user experience. There are a few reasons users might want to switch, but let’s take a quick look at just two of the big hitters.
First, Linux is stable. If you are constantly battling a slow computer or fighting viruses, those and other concerns are not as prominent with Linux. Linux distros have grown to become known as one of the most reliable and efficient operating systems.
Second, it’s free. You heard right, F-R-E-E. You can install any Linux distro on as many computers as your heart desires, and you’ll pay nothing. No additional costs, no licensing fees, no server or software fees, it’s entirely free.
As previously mentioned, there are many different types of versions and distributions of Linux. Here are some of the more popular Linux distros and where to find them.
Ubuntu is a great Linux distro for beginners. It is easily accessible and provides the security and stability that the Linux OS is known for. Every six months a new version of Ubuntu is released, which offers updates and general maintenance as needed. You’ll also have access to LTS (Long Term Support) versions, which are available every other year.
The LTS versions offer up to five years of general and security updates, which means you don’t have to worry about upgrading your Linux operating system every six months. This is especially nice since the standard releases are only supported for one year.
Ubuntu also has its own flavors available that use different environments. One example is Lubuntu, which is a “light” or minimal version of Ubuntu. Lubuntu is designed to create less strain on your system resources than other operating systems.
If you think Ubuntu is the right OS for you, you can find the Ubuntu Linux OS download here.
Linux Mint operating system is another great option if you’re new to the Linux OS. It’s especially useful for those that prefer to switch from a Windows PC or Mac. The Mint version of Linux also provides a great deal of customization.
Users will find switching to Linux Mint from Windows or Mac straightforward since it comes with a lot of options for the software these operating systems provide. For instance, in place of Microsoft Office, Linux Mint users will have LibreOffice, a free alternative to the office suite.
Mint comes in many different versions and varieties, the most popular being Cinnamon. This version of Linux Mint lets users change and customize menus and the appearance of certain windows. Users will also have support for most media formats, which will allow you to play music and video files right away.
Linux Mint operating system is an excellent option for newer users who like to have the option of customizing their experience. You can find the Mint distro of Linux here.
If you are concerned with privacy, Linux Tails might be the Linux operating system for you. This Linux distro emphasizes privacy and security, all while maintaining a user-friendly interface. Tails is an operating system that aims to protect your identity and conceal your location as much as possible.
Linux Tails achieves privacy by directing network traffic through its Tor network This network is explicitly designed to protect data and prevent it from being analyzed. While these security measures are exceptional, it gets even better. You’ll have all the security the Linux Tails distro has to offer but still have the ability to use the operating system with its clear and simple UI.
This Linux distro isn’t for everyone, but for those that are concerned with privacy and all the dangers that come along with not having enough security, Linux Tails is the right option. You can find the Linux OS download of Tails here.
The CentOS Linux distro is an offshoot of the enterprise version of Red Hat Linux that many companies use today. While this version of Linux isn’t ideal for a daily desktop, it’s great for a server. The build focuses on stability. Instead of providing constant updates like Ubuntu and Mint, CentOS offers ten years of support from the initial version release date.
Since CentOS is so reliable, it’s a great option if you’re looking to stand up a server. If you need an everyday Linux distro to use on your machine, CentOS is probably not the way to go.
If you’re looking for a steady, reliable Linux distro to use as a server, CentOS is precisely what you need. You can find CentOS here.
The Elementary Linux distro is a great operating system for Mac users wanting to make the jump to Linux. Known for its stability, Linux Elementary greatly resembles the MacOS desktop, meaning Mac users will feel comfortable making the change.
With an easy-to-use menu and the ability to customize their preferences, users will find Linux Elementary intuitive and straightforward. The operating system doesn’t come with a lot of additional bloatware so users won’t feel overwhelmed. It does come with everything users need via an App Center, providing software downloads and upgrades with the click of a button.
If you think Linux Elementary is the Linux distro for you, you can find more information and download it here.
Last on our list is a Linux distro for the gamer in all of us. Typically, gamers refrain from using Linux since there are few games available on the Linux platform. While there has been some growth in recent years, things didn’t really change until Steam OS hit the market.
Steam OS is designed specifically with gamers in mind. Kernel tweaks and performance enhancements are a part of this Linux distro. It supports gamepads, GPUs, and other hardware gamers find necessary.
While the Steam OS Linux distro isn’t your typical operating system, it is an excellent option for those that enjoy gaming, specifically with Steam. You can download this Linux distro here.
Which One is Right For You?
As you can see, there are many different Linux distros available, but what we’ve covered barely scratches the surface. There are a variety of options available, and if the ones listed above don’t fit your needs, then take a look at some of the other options. You’re sure to find something that will work for you.
With so many options on the market today, and at so many price points, how do you know which ones are the best Bluetooth earbuds? Better yet, how do you know which ones aren’t worth the money at all?
One of the most annoying things about wired headphones is the wire itself. It becomes tangled and twisted and can be a huge pain. If you find dealing with wired headphones annoying, it might be time to make the switch to the best Bluetooth earbuds. Perception is that these headphones still cost an arm and a leg, but there are plenty of options available on a budget.
There are plenty of options available on the market today for the best Bluetooth earbuds under 50 dollars. This article will discuss some of the best cheap Bluetooth earbuds available, comparing battery life, quality, comfort, and appearance. Hopefully, one of the headsets listed below fit your needs.
The earphones listed here are some of the best cheap Bluetooth earbuds you’ll find on the market. These Bluetooth earbuds are ideal for people who aren’t worried about high-level sound quality. These headphones don’t cost a lot of money, can make and receive phone calls, and work like they’re supposed to with little fuss.
Something to remember is that because most of these Bluetooth earbuds are under $50, most of the cost goes into the technology behind them. As a result, you miss out on other functionality. Things like build quality, sound drivers, and other features won’t match the level of sophistication you find in more expensive Bluetooth earbuds.
So keep in mind that you’re going to get what you pay for, as we review some of the best Bluetooth earbuds under $50.
The following seven earbuds are the most affordable Bluetooth earbuds on the market.
Skullcandy Ink’d Bluetooth Earbuds
Some of the best cheap Bluetooth earbuds available come from Skullcandy, a company well-known for its high-quality headsets. These Bluetooth earbuds come with two pairs of ear gels, along with a micro USB charging cable. You’re definitely getting your money’s worth with these Bluetooth headphones. They offer a quick recharge time and noise canceling capabilities.
Of course, it’s important to remember that even though these Bluetooth earbuds boast about their noise canceling feature, you’re not going to get the quality you would get with a pricier pair. Still, for the name brand and quality you get, you can’t beat the price for these Bluetooth earbuds.
While Brainwavz may not be the most recognizable name on this list, they do produce a quality Bluetooth headset. Brainwavz Blu-Delta Bluetooth earbuds are noise isolating, and feature a high-fidelity sound provided by its 4.0 aptx technology.
Some reviews suggest the Brainwavz Blu-Delta has trouble isolating sound in noisy spaces, but remember that you’re paying less than $50 for these earbuds. This may be an area you have to sacrifice. If you’re looking for some of the best cheap Bluetooth earbuds, you can’t go wrong with a Brainwavz Blu-Delta wireless headset.
Some of the best Bluetooth earbuds for running, the Photive PH-BET50 wireless headset is an excellent fit if you exercise regularly. The Photive earbuds are sweat-proof, so you won’t damage them while you’re out for your daily run. With your earbuds, you’ll get a user guide, a cord clip, a micro USB charging cable, and different sized ear tips.
Of course, like many of the Bluetooth earbuds on this list, users have reported some problems with the Photive PH-BET50 earbuds. The most common complaint is that after a few months, the earbuds quit producing sound. However, at less than $50, these are some of the best Bluetooth earbuds you can get on the cheap.
iFrogz Audio Impulse Wireless Headset
iFrogz wireless earbuds offer fantastic sound quality in comparison to some of the other Bluetooth earbuds on this list. These earbuds provide drivers that focus on giving end users an incredible sound experience. It will have you wondering how they can cost less than $50.
Included with the iFrogz Audio Impulse Bluetooth earbuds are a starter guide, an audio jack cable with a mic, and a micro USB charging cord. These earbuds are great for workouts since they are resistant to sweat and can withstand harsh conditions. Based on the quality of these Bluetooth earbuds and the low price, it’s easy to see why these are on the list of best cheap Bluetooth earbuds.
Here’s another headset you can add to the list of best Bluetooth earbuds for running. The Aukey Latitude EP-B40s are sweat resistant and offer a great sound via the aptx codec. Along with the earbuds, you’ll get a user manual, a carrying pouch, three pairs of ear hooks, three pairs of ear-tips, and a micro USB charging cable.
Aukey boasts a long-lasting battery, saying that it can go without a charge for up to eight hours of continuous usage. Like many on this list, there are a few drawbacks to the Aukey, with some saying that it has a poor connection if you pair the earbuds with more than one device. Even so, the Aukey Latitude EP-B40s are an excellent option for you if you’re looking for some of the best Bluetooth earbuds for less than $50.
The iClever Bluetooth headphones are the first to provide users an 8mm dynamic speaker. Along with your iClever Bluetooth earbuds, you’ll get a pair of running headphones, earbuds for iPhone X, and a micro USB charging cable.
iClever says that its wireless headphones will last up to 10 hours of playing time, all while providing noise cancellation and waterproof earbuds. Some folks have found trouble with the amount of time it takes to charge the headset, but even so, you’re getting a great set of wireless earbuds.
Anker’s Soundbuds Life are perhaps some of the best wireless Bluetooth earbuds you can get for under $50. These earbuds are thin and sturdy and capable of handling any type of activity. If you’re using a device with Bluetooth 4.1 technology, you’ll find that Anker’s Bluetooth earbuds provide high quality and sound.
Because of their light weight, your Anker Soundbuds Life won’t fall out of your ears. The water and sweat resistance also make them among the best Bluetooth earbuds for running. The additional tips that come with the earbuds will help keep them securely in place. Along with the different sized ear tips, your Anker Soundbuds Life comes with a micro USB charging cable and a shirt clip.
Offering up to seven hours of continuous play, along with a robust sound experience, the Anker Soundbuds Life earbuds might just be the best Bluetooth earbuds you can get on a budget.
Hopefully, some of the information about the best Bluetooth earbuds on a budget have helped you make a decision about which ones are right for you. As you can see, there is no shortage of options available on the market today. You have a wide range of features and qualities from which to choose. Of course, only you know what works best for your needs, so use these reviews to make an informed and educated decision.
Of course, if you’re an audiophile, or find the need for a great music experience, the headsets on this list may not work for you. But if you are merely looking for a reliable set of cheap Bluetooth earbuds, you can’t go wrong with any of the options on this list.