How to save money by keeping track of your expenses

Surely, we are all delighted by the idea of saving some cash for the dark days, but we usually postpone or find excuses for not putting the plan to action. Of course, there are other external factors that might influence the outcome, like low earnings or important expenses that can’t be postponed.

A study called "Secrets of thrift", sponsored by CashControl, shows that only 15% of people earning money actually manage to put something aside every month. A similar percentage think that the savings are important, especially if we think about the economic environment we live in.

Let’s face it, saving money is not that hard, and everyone can come up with some ideas that might enlarge your bank account by not wasting every budget you have. The most important step towards this goal is to keep track of your income and expenses. Once you manage to follow all the income and expenses you have, you can make modification to your habits in order to optimize the expenses, thus to save something at the end of the month. You need to take into account all the money you receive: salary, bonuses or allowances, vouchers, allowances or income from other activities. So you can get an idea of the money you have available each month. Sure, it may seem like a pain and a time consuming activity to perform all these tasks, but hey... we live in a world of tech where everything is one click (or touch) away. There are plenty of apps that you can install on your smartphone that can do the job for you. All you have to do is enter your expenses and it will return advanced reports and trends. You can try Manage Expenses Free to get an idea of what I'm talking about.

You can use all these results to identify recurring monthly expenses such as rates, rents, taxes, insurance or subscriptions. Based on those results, you need to establish a list of variable expenses and divide them into categories: large/often investments and rare investments. At the end of the analysis you will find which category is draining your budget and where you can perform adjustments. Do not forget to take into account the costs that occur rarely, such as holidays or gifts.


By using such apps, you will also be able to establish budgets. Keeping track of your expenses will help you see where the money are going and where you could cut cost. Once you’ll have an objective idea about your spending habits, you can certainly make small adjustments that could make the difference in the long rul. Setting a budget limit is important, especially for the area that seem to “eat” all your finances.

By using an advanced system to manage expenses, you will also be able to identify areas where it is more easily to reduce costs. We like excesses, and find them is the first step toward limiting them to a reasonable budget. You're spending too much on dining out? Maybe you can decide to cook at home few nights a week or you can decide to have lunch in other affordable locations. That’s only an example, but you got the idea. You don’t have to give up your favorite activities all you have to do is keep track of your expenses. That’s the first step towards saving money. From there, you can make your own recipe that will allow you to enjoy your favorite activities while keeping something

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Mpie S5 3G review - a cool smartphone with a 5'' display

If you are looking to change your smartphone you should stop your search right about now. Let's face it, most users want a new device with a larger display, with a great camera, enough battery life to last through the day and most importantly, a device that's cheaper. It's easy to find a smartphone that will give you some of these features, but finding one that will meet all the requirements mentioned before can be a real pain. This is Mpie S5 3G Phablet, a cheap smartphone that promises so much more...

Before getting into details, I want to confirm what you've probably noticed at first glance: this device resembles another top-notch device that's available on the market, only it's cheaper. Mpie S5 3G Phablet runs the most use mobile OS on the planet, Google's Android. Besides its appealing design, it features a 5'' display with a resolution of 854 x 480, a Dual Core Cortex-A7 processor clocked at 1.3GHz, a 8 MP main camera and 2MP secondary camera and a 2600 mAh Battery that should give you at least of day of medium usage.



So far, so good, the details look astonishing. But what about the price? Well, this cool Mpie S5 is priced at the unbeatable amount of $85 on gearbest.com by using the Remi05 coupon code for a 5% discount. Yes, if you want a device that will amaze your friends, all you have to pay is $85 and its yours.

Sony Xperia 2 vs iPhone 5S vs Nokia Lumia 1520 - camera comparison at night



One of the important features of the  Sony Xperia Z2 is related to the ability to record pictures at night or in low light conditions. At MWC 2014 those from Sony have developed an interesting test. They allowed anyone to test the ability of  Sony Xperia Z2 to record good pictures even without ambient light, the company hiding an object in a box that had just opened a hole in the front room that could be positioned a smartphone.
  In the video below you can see how well they handle  Sony Xperia Z2 before iPhone 5S and Nokia Lumia 1520 when it comes to recording pictures in low light conditions.

How to downgrade your iPhone 4 IOS7 to IOS 6 or earlier!


If you have an iPhone 4, a computer running Windows, and you have saved your SHSH blobs in the past for 6.1.3 or earlier, then there is a way back to iOS 6. But remember, this is only for iPhone 4.


What you need to downgrade your iPhone 4?


This is going to take a while and it’s not without risk. Before you start, make sure that you back up everything on your iPhone 4 right now.


  • 1. You need to use iTunes 11.0.5 or lower for this to work. If you already have iTunes 11.1 or above, then you’ll have to completely uninstall it. You can download iTunes 11.0.5 from old apps.
  • 2. Download iFaith from here and unzip it.
  • 3. Connect your iPhone 4 to your computer.
If you know where your “SHSH blob” is and you have it saved locally then you’re ready and you can skip to the next section, if not you can use iFaith to locate it. Double click the iFaith application and select OK then choose Show Available SHSH Caches on Server. Click Yes and then choose Show list of available SHSH blobs on TSS server(s). You’ll get a list of available blobs and you can download the one you want. When you’ve got it you can exit iFaith.


Using iFaith to downgrade to iOS 6


You should have your iPhone 4 still connected to your computer. Fire up iFaith again and this time select Build *signed* IPSW w/ blobs then Browse for SHSH blobs and select the one you want from wherever you saved it earlier.

You’ll need the iOS firmware file next, but you can just select Download it for me. Once it’s ready you can continue and choose Build IPSW. This will take a while
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When it’s done make sure to note the name of the IPSW file it has created and then click OK to continue.

You now need to put your iPhone into DFU mode. Hold the Sleep/Wake button on your iPhone and Slide to power off. Click Start on iFaith and follow the onscreen instructions to press and hold the Sleep/Wake key and the Home key for 10 seconds, then release the Sleep/Wake key and keep holding the Home key for 30 seconds.

You should see a message in iFaith telling you that your iPhone 4 is in DFU mode and you can click OK and then exit iFaith.


Restore from iTunes


It’s time to launch iTunes 11.0.5. It should detect your iPhone 4 in recovery mode. Click OK.

Hold down the Shift key and click the Restore iPhone  button in the Summary pane then browse to the IPSW file you created with iFaith and select it.

The restore will probably take a while, so just leave it alone until it is done
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When it’s ready just follow the onscreen instructions to set up your iPhone 4. That’s it your iPhone is downgraded to iOS 6.



Sony Xperia Z2 - first images


One brand absentees from CES 2014 was clearly a new flagship Sony Xperia Z, which apparently was left for the MWC. It's about Sony Xperia Z2 aka Sirius, which today is presented as a vague leakage.

It's about the back cover, which was photographed in the pictures above.I remind you that at CES Sony has released the model Xperia Xperia Z1 Compact and Ultra T2, both devices midrange.

Returning to Sirius, the photos you see here were posted by sources in China and appear to be authentic. Together with image appeared several specifications, which include a 5.3 inch display, a 23 megapixel camera and the availability of terminal in 5 different colors. The rear panel of this device does not appear as if covered with glass of Xperia Z, which is good news.Rumors ends with a potential launch period ie February. Zperia Z2 is meant to be a rival to Galaxy S5, so I expect at a screen top, maybe one 2K.

 

iPhone 5S vs Nexus 5 - comparison of technical specifications


As you can see, there are serious differences in terms of hardware, but benchmarks show that the iPhone 5S is the king , but the price makes Nexus 5 more attractive in front of any smartphone.



 



Learn how to use an iPhone (infographic)



If you don't know to how to use an iPhone now you have the opportunity to learn. This little infographic can help you with some tips.




iPhone 6 with iOS 8 - concept



The device  illustrated in this article has a edge-to-edge screen 5-inch, has a different design from those used in iPhones launched so far, has stereo speakers, a full touch lower part can be used with one hand but the design is not that attractive, at least from my point of view.







iPad Mini Retina Display vs Google Nexus 7 vs Amazon Kindle Fire HDX



This year Google has launched Google Nexus 7 tablet. The device has a 7 inch screen with 1920 x 1080 resolution.  Amazon is not far behind. They launched Amazon Kindle Fire HDX tablet which has a screen with the same resolution as Nexus 7.

Apple needed something better to remain competitive, so brought to the market iPad Mini with Retina Display. The screen resolution is 2048 x 1536 and it has a much higher resolution than competing tablets, including here the Samsung Galaxy Note 8


iPhone 6 concept (video)



Since all published rumors lately indicates that Apple intends to implement a screen with a diagonal larger than 4,5 inch , we will have a few months of concepts such as the image above. Although the concept that we have here demonstrate that a 4.6-inch screen can be implemented without too much effort in an iPhone 6. It's hard to believe that the final device will look like this, but it would be interesting to see if Apple will decide to make a change so big for its line of smartphones.