New is nice, but it will cost you! Some items are not worth the cost of repairing, but continually replacing the items listed here can really put a ding in your budget. When deciding on whether to replace or repair an item take into consideration the age of the item, its sentimental value, frequency of use, and overall functionality; you won’t save money by replacing the handle on a bucket with a hole in it.
Luggage
Even inexpensive, non-designer luggage and backpacks can be costly. If you are a frequent traveler invest in a few pieces of quality, warranty guaranteed luggage. As luggage’s ages extend its life by taking it to a cobbler or seamstress to replace zippers, snaps, handles, and wheels; use decorative patches to cover rips in fabric bags.
Clothing
A basic sewing kit contains the tools to replace a button, repair a small fabric tear, or to alter a hem. For more complex task like stain removal or major alterations enlist the professional help available at many dry cleaners. Pay a professional to do extensive repairs to clothing or to dye leather garments. Twenty bucks to replace a zipper on a quality piece is a better deal than replacing it.
Shoes
New soles, heels, or dye can make old shoes look brand new. A good cobbler can revive shoes and other leather accessories. Use the specific cleaning and care products available for your athletic shoes. Clean canvas sneakers in the washing machine and allow them to air dry; putting them in the dryer can damage their rubber soles.
Accessories
Watches and many types of jewelry can be repaired. Gemstones can be reset and pearls restrung. When possible take fine jewelry back to the original retailer for repairs. If they can’t fix your item they will likely have access to the manufacturer who can do the repair. Bead stores and craft shops are practical choices for the repair of costume jewelry. Insure valuable, rare, and heirloom jewelry.
Depending on how much work is involved, most people can do the simple repairs. There are how-to-do places online but I, a woman, have replaced a few shingles and my repair knowledge is very limited.
Transportation, construction, simple sales, health care, farming, real estate, crafts, bike repairs, and auto repairs.
A SIMPLE IRA (Savings Incentive Match Plan for Employees) is meant for employers and employees to contribute to the IRA setup for the employees. It is a type of a retirement savings plan.
Here are a few really good savings calculator that might help you find what you're looking for: http://www.bankrate.com/calculators/savings/simple-savings-calculator.aspx http://www.ally.com/bank/online-savings-account/calculator.html
Auto parts and repairs
1. They add to the family income 2. they can be the start of a big business 3. they develop the skills in various works 4. they allow the family to save money from repairs
If you want to find a savings calculator online, I would check out http://www.bankrate.com/calculators/savings/simple-savings-calculator.aspx or if you find that unsatisfactory you can also use: http://apps.finra.org/calcs/1/savings Both calculators should work well!
there are many: Checking, savings, investments, Commercial (business) just for starters, most people start by a simple checking and savings.
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Almost every company will provide a discount for loyal customers in order to keep them. A simple phone call to the company will probably net you big savings.
setting of tapets, water cooler, big ends