Forget Money These Days You Can Barter For Just About Anything

BARTERING HAS BEEN AROUND SINCE THE BEGINNING OF TIME "It's a good thing you brought your car in when you did, my daughter needs braces."

Community bartering systems have been around since the beginning of time and used as an alternative to monetary currency. Bartering has seen a massive resurgence this century due to higher taxes and an uncertain economy.

Bartering or trading services and goods without the use of money has always been popular in rural areas. As an example, farmers and trades people exchange produce for work done on their property and professional service people accept goods in exchange for accounting or legal assistance.

HOW THEY WORK

Local Barter systems usually take one of two forms. Some systems trade through a headquarters, where each member has an account-updated with “debits” and “credits” from trades. Points are assigned to the worth of a barter item instead of a monetary value.

Other systems print and utilise their own currency which is then used by customers of the local towns business. This system of bartering does eliminate the need for a central agency, but it can be problematic in getting all businesses on board with the alternative currency.

SAVE HEAPS OF MONEY IN YOUR LOCAL COMMUNITY

Barter isn’t limited to local communities or even within countries anymore, take a look at Barter card to see how far reaching bartering has become. Barter Card is a global network of businesses trading more than 1000 goods and services through 75 locations without money exchanging hands.

Both individual and business bartering systems are now available locally and internationally and can save you significant money. Online community bartering systems are popping up in local towns everywhere and are a great way to trade services, get rid of unwanted “treasures” and find out what is available in your local town. Search community bartering online and see what is available by simply entering in the name of your local town or the next largest one to you and the term “community bartering”.

NOT ONE IN YOUR TOWN START ONE THEY ARE EASY AND RUN THEMSELVES

If there isn’t already a local bartering site in your town why not set one up? There are very good resources on “how to set up an online bartering system” available through google search. Once established and promoted, these sites require very little maintenance as each barterer updates their own information.
As an example of a local site gone global where you can enter your town and see what is being traded check out www.u-exchange.com On this site people list what they can do and what they would like to barter for. As an example:

Catherine Perth, Australia can provide book keeping in exchange for brick work
Dale Kelowna, Canada offers car services in exchange for home cooked meals

Why not have a look and see if you can save some Real Money too. For helpful monthly tips like this sign up to the Busy Buzz Co newsletter HERE

Best Sites for Products and Free Stuff

free stuff

FREE STUFF ON LINE

It’s amazing what you find on line for free today. Since you probably don’t have time and it’s what I do here, are the best sites I have found for getting stuff for free.

GLOBAL

Totally Free stuff (global) –this is an online site which gives away free products and samples everything from beauty products to e books baby gear.               http://www.totallyfreestuff.com

Free Flys (global)- try free products from beauty to vitamins to food. You will need to enter details about yourself and will be then put on a database for the products you chose to trial to receive their newsletters but you can opt out at any time.  http://www.freeflys.com

USA

Mommy and Me news (USA) – online site for everything babies but they do offer some good free stuff including free annual magazine subscriptions, games and books   http://mommyandmenews.com/free-stuff

Just Free stuff (USA) –lots of free samples and contests http://www.justfreestuff.com

Bzz Agent – this is a product testing site where you can get lots of free stuff you just need to send them a product review once you have tried them.

http://www.bzzagent.com/ (Canada and USA) or  http://www.bzzagent.co.uk (UK)

AUSTRALIA

Ziilch (Australia) –free recycled everything –clothes, furniture, toys, tools- FREE to list and FREE to take   http://au.ziilch.com

Oz Recycle (Australia) – same concept lots of items here including stuff for babies http://www.ozrecycle.com

* Busy Buzz Co is not being paid to promote any of these sites

Top 10 Free websites – for entertainment and free stuff

 FREE WEBSITE OFFERS

Here is a list of the best websites offering you free services:

TRAVEL    

Trivago-     www.trivago.com                Free hotel booking site -also downloadable app for iphones

Babel Fish- www.babelfish.com             Free translation service

Seat Guru- www.seatguru.com               Free site to get the best seats and amenities on your flights

ORGANISING

Trello- https://trello.com                         Share your projects, party plans: anything with anyoneorganising hands

Fiverr-    www.fiverr.com                          Site lists thousands of people who can do jobs  for you for just $5

Dropbox – www.dropbox.com                  Free way to share files, photos with friends and colleagues

ENTERTAINMENT                                                music symbol

Can I Stream It? – www.canistream.it      Find and download free, rental and to own movies instantly

Pandora- www.pandora.com                     Stream music from any artist for free-great for parties

IMDb – www.imdb.com                               Free membership movie site for movie buffs-share reviewsentertainment photo 2

Wikipedia- www.wikipedia.org                  Detailed information on anyone and anything

Pic Monkey- www.picmonkey.com           Free service to enhance your photos

 

*as seen on Today Tonight Perth March 2015

Busy Buzz Co is not being paid to promote any of these sites

Get Deals on Big Ticket Items by Using Your Phone

Your Phone is a Great Tool to get Deals when Shopping in Stores

You are literally carrying around the best bargaining tool you could have.

Simply take note of the product make and model you are looking to buy and search online for the best deals while you are in the shop. Use this information to then bargain with the shop assistant to get yourself a better deal.

TIPS FOR GETTING BETTER BARGAINS WHILE SHOPPING 

IN SHOPS   shopping bags

Be positive pretend  you are negotiating with a friend

Be complimentary : “I love this, it is beautiful, but its too expensive for me can you do any better on the price ?”

Do your research online and know the value of items and then ask for a comparable price

Ask for add-ons with big ticket items: Can they deliver, give you something for lesser value for free

Strike a deal if you are buying lots of items : ” I am buying a lot of things here today what kind of discount are you able to give me for that”

AT MARKETS shopping in markets

Shop at the end of the day when stall holders are more likely to do a deal

Decide on what you are prepared to pay as a maximum before you start and then offer between 25-50 % less than what they are asking-any less is insulting

When haggling remain silent where possible just pretend to be thinking about the offer, research shows this is more likely to produce a result from the seller

Dress down at markets -don’t where expensive flashy clothes and expect to get a deal

Trade items: If you are a regular at a market and have appropriate items to trade ask if they are interested as that can be a win for the seller as well.

ONLINE shopping online

Search for promotional code coupons : wherever you are buying from online chances are they will have a promotional code offer. That’s the box that comes up when you check out and asks for a number. If they do simply open another browser and search using the company’s name and “coupon” get the number and add it into your check out for instant further savings.

Search online for best deals:  by entering in the make and model of what you are buying or the product code that will show you the cheapest site to buy it.

Join a “deal” site: these are free membership sites available in every western country who can send you the latest deals on items you buy regularly (food, pharmacy,clothing) or can give you a heads up when your dream item (car, bed, fridge) go on sale. Search for “online deals” and deal site groups in your country such as http://www.mydeal.com.au will come up

Top Tips to Save You Real Money

TOP WAYS TO SAVE MONEY

A couple of things happened recently which made me very determined to not be “ripped off” anymore and to really think about what I was spending my money on. The first was I left my well paid job because the long hours and commute were taking all the fun out of life. The second was my husband wrote my car off in an accident and I discovered that my 6 year old $50,000 vehicle had a “market value” of $7,000 according to my insurance company.

Since I have always made quite good money I honestly never thought of the real value of a dollar here or there. I also was so busy I neglected to think about big ticket items like cars, insurance, my mortgage or the many other things we buy all the time.   So I forced myself to review my actual expenditure and test the market. When I added up the savings I could have made, had I done my research, I literally slumped in my seat and then got to work.

From doing these simple things I cut my bills by more than $50,000 a year. This was staggering to me not just for the amount I was wasting but what it meant for my life. I had always been more concerned with how much I made not how much I was spent. I should point out that I have never lived frivolously wasting money on fancy clothes or acquiring expensive toys, but I also clearly, hadn’t lived thoughtfully. I failed to understand the basic premise that savings of this amount, half my annual salary, gave me freedom. To work less, to spend time with my friends, to volunteer to breathe and live with less stress.

mortgagecarkaisha and log

Here is what I did:

MORTGAGE: I paid my mortgage diligently for 10 years never questioning the variable rate I was being charged or considering ways to reduce costs. With one phone call to the bank simply stating I needed all the details on my mortgage (rate, total, time left) because I was going to “shop around” for a better deal, resulted in an immediate decrease by my bank and a saving of $4,000 a year. Wow I was both angry for not doing this earlier and determined to get an even better deal.

BROKERS: I tested the mortgage market using a broker. Most countries now have this service whereby you don’t pay the broker the banks do when they get you a better deal. Mine did and after 20 years with the same bank I happily switched and saved myself another $5,000.

Brokers also handle insurance in the same way so that was step number two – health, life, car, home and content insurance I had a broker negotiate deals in all these areas and saved myself another $3,000 a year.

PHONES and download costs: This was another area I had never paid much attention too. We had contracts for mobile phones, land lines and computer wireless and while we had bundled where we could I never really checked our usage or negotiated beyond the sign up. My service provider was helpful and demonstrated ways we could change our contracts which ended up saving $1500 a year. I was “helpfully” told that it is not their responsibility to contact us with better deals or contract changes its up to us. So much for customer service but I won’t let this happen again.

CAR: I bought my first “brand new” car six years ago the one I mentioned above which depreciated by $43,000 in that time. Now needing another car I shopped around and was astounded at the range of second hand car sale places online. Now you can buy second hand cars which come with warranties and even free shipping within your country. You can also buy privately and find online sites which offer valuations, run car histories and mechanical checks and provide advice on the best performance and value for money brands. No excuses now to buy new again.

FOOD : buying lunches and coffees as well as grabbing take outs on the way home was by far the biggest expense for me and therefore biggest savings once I stopped. On average I would spend $20 a day just on coffee and lunch, justifying it because I was too busy with work to manage a packed lunch in the morning. This cost me more than $5,000 a year. I had never done the sums not to mention the health cost. Don’t get me started on the costs of take away Japanese or Indian at least once a week because I was too tired to cook…..

PET CARE: This was my biggest area of saving by researching the online purchasing options available for the multi- billion dollar pet industry I am now saving more than $10,000 a year (well I should explain that we have 8 pets). I found food, medicine, bed, toys everything we needed for our animals was up to 50% cheaper online than it was at the local grocery store or vet.

PETROL/GAS: Most people have figured out that petrol/gas stations have cycles and there are days of the week where its cheaper to fill up. Some stations change their cycles to deal with this but in most western countries this is now regulated and by law they are required to let you know when their prices will increase and decrease. I simply googled our local station and found that their website contained all this information. We also added a rewards discount card and if we use that and stick to the cheaper days we will save $5,000 a year on fuel for our 3 cars.

SHOPPING AROUND: I don’t like shopping, so I get in and out of the shops as quickly as possible. Being stranded in the country with limited access to a car for a month, I spent a lot of time online researching ways to shop and get things delivered. What I discovered is there is now very little you can’t buy online and have delivered in Western countries. There are huge savings online for items like beauty, medicines, toiletries and clothes. Most bricks and mortar businesses also have websites and its really worth checking them out online before going as they offer vouchers, discount days and supermarkets even give you days and times of the days they further discount. Also when buying big ticket items in shops such as computers, whitegoods and furniture use your phone and google “best deals” on the item you are buying using the brand /code and then show it to the sales person and ask them what they can do.  Doing this research gives my family an overall annual saving of more than $10,000!!!    

COMMUNITY BARTERING: I grew up in the country where bartering was a way of life. Trading garden vegetables with neighbours, swapping babysitting for music lessons, and borrowing tools and machines was common practise. These days no matter where you live bartering is available and a lot of this is online. If you have a skill you can opt to be paid or trade for another service. There are also numerous communities which have developed their own currencies (money) and guides to buy and trade locally (google “community bartering” for your area it has huge implications for our uncertain economy and for individuals). Where I live, we simply found an online “services bartering site” and began trading.

SECOND HAND SALES: my husband is a “junk” collector and he drives me crazy with it. However when we did our annual clean up this year instead of throwing it all on the verge for collection I started researching trade and sell sites (see blog on this) and while it took a bit of effort we made several thousand dollars on our junk.

The point for me of all of this was I realised that I had never had the time to do my research and to be honest I thought it wasn’t worth my time to look into it. However making this effort using the tips above has Earned me so much more time with my family and for myself without changing my lifestyle. Think about what you spend the most money on and google ways to save money on it.

Best websites for FREE or CHEAP software

Best Free IT /Software Websites  software photo

Careful when downloading “Free” software programs as a lot of the time they are fronts for commercial advertising and the download you receive has been severely disabled and will come with prompts for you to upgrade.

The following Free Websites don’t do this:

File Hippo: http://filehippo.com

This site rates the best free software programs available and there are some very good offers here.

Tech Support Alert: http://www.techsupportalert.com

This site offers generic brand software which is just as good as Microsoft and other big brands for free.

Tech Radar: http://www.techradar.com

Here you can see the latest trends in technology as well as trial the most current not yet released software for FREE.

Tech Spot: http://www.techspot.com/downloads

This is a current site with a massive range of free software as well as discounted and upcoming trends for everything tech.

Please note Busy Buzz Co does not get paid to promote these websites