Category Archives: Saving

Top books that have saving tips

top books on saving money

Just the other day I was browsing the Internet and came across a list of books on saving money. I made it a point to order some of them as I am obsessed with finances. I’ll now list the 3 top books on saving money that I read.

(1) It’s Your Money: Becoming a Woman of Independent Means – This book by Gail Vaz Oxlade has really uncanny tips to save money. It has guide for almost all ages and stages of your career. A must read and the reason it is number one in my top books is its simple language and practical tips.

(2) The Power to Prosper: 21 Days to Financial Freedom – This book by Michelle Singletary talks about financial fast, a concept of going on a 21-day spending diet. This method can really help you take control of your finances by learning new things over those 21 days. A must read if you are facing financial problems.

(3) Your Credit Score, Your Money and What’s at Stake – This book by Liz Pulliam Weston talks about credit scores and how to manage them. The tips and tricks written in this book really work. A must have book.


Are you familiar with what SSL Certificates do?

I talk a lot about online shopping, but do we also pay required attention to how safe our information (personal as well as financial) is when we register on a website and swipe our credit card?

security when shopping online

Since few years, internet security has become a major issue for the website owners. Every website owner wishes to provide the best in market security to its users. And this is where SSL certificates have come into the picture. Webmasters as well as the visitors feel more secure psychologically when they see the green padlock icon on their browsing windows. SSL certificates are no doubt very crucial to the entire web encryption system. Encryption of the URLs and internet traffic makes internet browsing much easier and safer. The SSL certificate encryption not only filters your search but also provides a safe passage for all confidential communications.

Over the years many questions on the necessity, validation and security levels of SSL certificates have been raised. This poses a threat to the global use of the SSL certificates and its importance. Listed below are some common myths related to these security certificates and the security they offer in the cyber industry:

  • Myth: SSL certificates are very costly
    not all the certificates are same and of same price! SSL certificates are not expensive. A wide range of certificates are available in the markets that are used for different purposes. Their cost also varies with the levels of security they offer and applications they support. A simple domain validation SSL certificate only costs a couple of bucks. With Social networking sites like Facebook making it compulsory to adopt the https:// URL for setting up all the applications, SSL certificate sales have alleviated.


  • Myth: All certificates are similar
    the diversity of the SSL certificates issued by the Certificate Authority council has been questioned many times. The fact is SSL certificates differ in the type of validation they offer. Some certificates secure e-commerce transactions while some protect the web applications from getting tempered. SSL certificates authenticate the e-mail exchanges.


  • Myth: SSL certificates are not reliable
    in past years, SSL certificates have proved themselves to be the most reliable and robust form of cryptography systems. They offer high-end security without compromising with the quality. Also, their protocols are highly encrypted and can’t be broken into by a mere hacker.


  • Myth: SSL is out-dated and vulnerable to risks
    the truth is nothing is as scalable and trustworthy as the SSL certificates. CAs has even made various collaborations with browsers to enhance the security levels.


  • Myth: need for separate IP address for each sub-domain
    Incorrect, the fact is you only need an SSL certificate for a single domain and all the entire sub-domains coming under it are covered along.

Saving at Supermarkets

Saving at Supermarket

Super markets are the places where we buy most of our house hold things. There are offers and more offers and we end up buying more from the supermarket. Not only we buy more of grocery than what is required, we also buy other things we crave for like chocolate. It adds to the budget without us realizing, and the money is spent. Next month again this happens and again we spend more. When I calculated the total extra that we spend in a Supermarket on things we do not require it amounted to a whopping 4000 Euros. Well I took lessons and went to build a strategy as I cannot avoid supermarkets. This strategy has been in place for six months and I have saved close to 1500 Euros if not more.

  • Made List of wanted articles – The basic thing I started was to make a list of things I wanted and sticking to it. It made a lot of difference as I was buying only what I required rather than what the supermarket was offering.
  • Limited my visits – I started to go to the supermarket once a month and if required a second time. This resulted in buying less extra things and buying in bulk which cost me less.
  • Buying Vegetables and eggs from Farmers’ market –  I have been buying vegetables and eggs from farmers market and not supermarket. I get them fresh and they cost less of course.

So many patterns, so much yarn, so little time: story of my hooky life.

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