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Importance Of Living Within One’s Means
Living within your means is an essential aspect of achieving financial stability and security. When you spend less than you earn, you can avoid debt, build savings, and achieve your financial goals. However, with the ever-increasing cost of living, it can be challenging to stay within your budget. That is why we have compiled a list of eight tips to help you live within your means. These tips include creating a budget, prioritizing your expenses, avoiding impulse purchases, cooking your meals, using coupons and discounts, cutting back on subscriptions, shopping for deals, and more. By following these tips, you can save money, stay within your budget, and achieve financial stability and security.
Overview of the 8 tips
The eight tips to live within your means are:
1. Create a budget
2. Prioritize your expenses
3. Avoid impulse purchases
4. Cook your meals
5. Use coupons and discounts
6. Cut back on subscriptions
7. Shop for deals
8. Set financial goals
These tips will help you manage your finances effectively, save money, and achieve financial stability and security. By following these tips, you can strike a balance between your income and expenses and ensure that you are spending less than you earn.
Create a Budget
Why creating a budget is important
Creating a budget is important because it helps you keep track of your income and expenses. It enables you to identify areas where you can cut back on spending and make adjustments to your finances. With a budget, you can set financial goals, prioritize your expenses, and allocate your income accordingly. It also helps you avoid overspending and accumulating debt, which can lead to financial stress and instability. By creating a budget and sticking to it, you can take control of your finances and achieve your financial goals.
Steps To Creating A Budget
The following are the steps to creating a budget:
1. Determine your income: Start by calculating your total income, including your salary, bonuses, and any other sources of income.
2. List your expenses: Make a list of all your expenses, including fixed expenses such as rent, utilities, and car payments, and variable expenses such as groceries, entertainment, and clothing.
3. Categorize your expenses: Categorize your expenses into essential and non-essential categories. Essential expenses are those that you must pay, while non-essential expenses are those that you can cut back on if needed.
4. Calculate your total expenses: Add up your total expenses for each category to determine your total monthly expenses.
5. Subtract your expenses from your income: Subtract your total expenses from your total income to determine your disposable income.
6. Set financial goals: Based on your disposable income, set financial goals such as saving for emergencies, paying off debt, or investing in retirement.
7. Adjust your budget: Make adjustments to your budget as needed to ensure that you are meeting your financial goals and staying within your means.
By following these steps, you can create a budget that works for you and helps you achieve your financial goals.
Crafting a Practical Budget Aligned with Your Financial Capacity
Ensure that the combination of your overall expenditures and outstanding debt does not exceed 50% of your total gross income.
Tips For Sticking To A Budget, Including Tracking Expenses And Adjusting As Needed
Here are some tips for sticking to a budget:
1. Track your expenses: Keep track of your expenses by recording them in a spreadsheet or using a budgeting app. This will help you stay aware of your spending habits and identify areas where you can cut back.
2. Review your budget regularly: Review your budget regularly to ensure that you are staying within your means and meeting your financial goals. Adjust your budget as needed to accommodate changes in your income or expenses.
3. Use cash for discretionary spending: Use cash for discretionary spending such as entertainment and dining out. This will help you stay within your budget and avoid overspending.
4. Avoid unnecessary purchases: Avoid making unnecessary purchases by distinguishing between wants and needs. Before making a purchase, ask yourself if it is essential or if you can do without it.
5. Plan your meals and grocery shopping: Plan your meals and grocery shopping in advance to avoid overspending on food. Stick to your list and avoid impulse purchases.
6. Find ways to save money: Look for ways to save money on your expenses, such as using coupons and discounts or cutting back on subscriptions.
7. Celebrate your successes: Celebrate your successes along the way, such as paying off debt or reaching a savings goal. This will help you stay motivated and committed to your budget.
By following these tips, you can stick to your budget and achieve financial stability and security.
Prioritize Your Expenses
Why Prioritizing Expenses Is Important
Prioritizing expenses is important because it helps you allocate your income effectively and ensure that you are meeting your financial obligations. By prioritizing your expenses, you can make sure that you are paying for essential expenses such as housing, utilities, and food before spending money on non-essential expenses. This way, you can avoid falling into debt and ensure that you have enough money to cover your basic needs.
Additionally, prioritizing expenses can help you achieve your financial goals. By allocating a portion of your income to savings and debt payments, you can work towards paying off debt, building an emergency fund, or investing in retirement. This can help you achieve financial stability and security in the long run.
Overall, prioritizing expenses is essential for effective budgeting and financial management. It helps you make informed decisions about how to allocate your income and ensures that you are meeting your financial obligations while working towards your financial goals.
Examples Of Essential Expenses, Such As Housing, Utilities, And Food
Examples of essential expenses include:
1. Housing: Rent or mortgage payments, property taxes, and home insurance.
2. Utilities: Electricity, gas, water, and internet.
3. Food: Groceries and necessary household supplies.
4. Transportation: Car payments, gas, and insurance.
5. Healthcare: Health insurance premiums, doctor visits, and prescription medications.
6. Debt payments: Credit card payments, student loan payments, and other debts.
7. Childcare: Daycare, babysitting, and after-school programs.
8. Personal hygiene: Toiletries, cleaning supplies, and laundry detergent.
9. Insurance: Life insurance, disability insurance, and car insurance.
These expenses are considered essential because they are necessary for everyday living and cannot be easily eliminated. It is important to prioritize these expenses in your budget to ensure that you are meeting your financial obligations and staying within your means.
Tips For Allocating Income To Savings And Debt Payments, Including Setting Financial Goals
Here are some tips for allocating income to savings and debt payments:
1. Set financial goals: Set financial goals such as paying off debt, building an emergency fund, or investing in retirement. This will help you prioritize your spending and allocate your income effectively.
2. Create a debt repayment plan: Create a debt repayment plan by listing all your debts and prioritizing them based on interest rates. Allocate a portion of your income to paying off your debts, starting with the highest interest rate debts first.
3. Automate savings: Automate your savings by setting up automatic transfers from your checking account to your savings account. This will ensure that you are saving money every month without having to think about it.
4. Use windfalls wisely: Use unexpected windfalls such as tax refunds or bonuses to pay off debt or build your savings.
5. Cut back on non-essential expenses: Cut back on non-essential expenses such as entertainment and dining out to free up more money for savings and debt payments.
6. Increase your income: Consider increasing your income by taking on a part-time job or starting a side business. This can help you allocate more money towards savings and debt payments.
By following these tips, you can allocate your income effectively and work towards achieving your financial goals. It is important to prioritize savings and debt payments to ensure that you are building a strong financial foundation and achieving financial stability and security.
Avoid Impulse Purchases
How Impulse Purchases Can Derail A Budget
Impulse purchases can quickly derail a budget because they are often unnecessary and unplanned expenses. When you make an impulse purchase, you are spending money on something that you may not need or want in the long run, and this can add up over time. These purchases can also lead to overspending, which can cause you to exceed your budget and accumulate debt.
Impulse purchases can be especially harmful when they are made with credit cards. Credit card companies often charge high-interest rates, and if you carry a balance, you will end up paying more in interest charges. This can make it even harder to pay off your debt and stay within your budget.
Additionally, impulse purchases can distract you from your financial goals. If you are spending money on non-essential items, you may not have enough money to save for emergencies or invest in your future. This can make it harder to achieve your financial goals and create financial stability and security.
Overall, impulse purchases can be harmful to your budget and your financial well-being. It is important to distinguish between wants and needs and avoid making unplanned purchases. By sticking to your budget and avoiding impulse purchases, you can stay on track towards achieving your financial goals.
Tips For Avoiding Impulse Purchases, Such As Making A Shopping List And Waiting Before Making A Purchase
Here are some tips for avoiding impulse purchases:
1. Make a shopping list: Before heading to the store, make a shopping list of the items you need. Stick to your list and avoid browsing the aisles for items that you don’t need.
2. Wait before making a purchase: If you see something that you want to buy, wait for a few days before making a purchase. This will give you time to think about whether you really need or want the item.
3. Set a spending limit: Set a spending limit for non-essential purchases and stick to it. This will help you avoid overspending and impulse purchases.
4. Avoid shopping when emotional: Avoid shopping when you are feeling emotional or stressed. Emotional shopping can lead to impulse purchases and overspending.
5. Shop with cash: Use cash for non-essential purchases instead of credit cards. This will help you stay within your budget and avoid accumulating debt.
6. Consider the opportunity cost: Before making a purchase, consider the opportunity cost. Is there something else that you could do with the money, such as saving or investing it?
By following these tips, you can avoid impulse purchases and stay within your budget. It is important to distinguish between wants and needs and make informed decisions about your spending. By avoiding impulse purchases, you can achieve your financial goals and create financial stability and security.
Guidelines on Steering Clear of Impulse Purchases
With an abundance of summer discounts, the temptation to indulge in spontaneous shopping may be high. You’re in good company—recent research reveals that almost 90% of Americans engage in impulsive buying, with men outspending women in this regard.
The Importance Of Distinguishing Between Wants And Needs, And Setting Priorities
Distinguishing between wants and needs is important because it helps you prioritize your spending and allocate your income effectively. Needs are essential expenses that you must pay, such as housing, utilities, and food. Wants, on the other hand, are non-essential expenses that you can do without, such as entertainment and dining out.
By distinguishing between wants and needs, you can set priorities and allocate your income accordingly. You can ensure that you are meeting your financial obligations and still have money left over for non-essential expenses. This can help you avoid overspending and accumulating debt.
Setting priorities is also important because it helps you achieve your financial goals. By prioritizing your expenses, you can allocate a portion of your income to savings and debt payments. This can help you pay off debt, build an emergency fund, or invest in your future.
Overall, distinguishing between wants and needs and setting priorities is essential for effective budgeting and financial management. It helps you make informed decisions about your spending and ensures that you are meeting your financial obligations while working towards your financial goals.
Cook your meals
How Eating Out Can Be Expensive
Eating out can be expensive for several reasons. First, restaurants often charge higher prices for food than what you would pay if you cooked the same meal at home. This is because restaurants have to cover their overhead costs such as rent, utilities, and staff salaries.
Second, when you eat out, you are also paying for the convenience and experience of dining out. This can include the cost of service, ambiance, and location. These additional costs can add up quickly and make eating out much more expensive than cooking at home.
Third, eating out can also lead to overspending. When you eat out, you may be tempted to order more food or drinks than you need, leading to higher costs. Additionally, eating out can also lead to impulse purchases, such as ordering dessert or appetizers that you didn’t plan on.
Overall, eating out can be expensive and can quickly add up over time. It is important to consider the costs of eating out and balance it with your budget and financial goals. By cooking at home and limiting your dining out expenses, you can save money and stay within your budget.
Tips For Cooking Meals At Home, Such As Meal Planning And Preparation
Here are some tips for cooking meals at home:
1. Meal planning: Plan your meals in advance by making a weekly or monthly meal plan. This will help you stay organized and avoid last-minute trips to the grocery store or ordering takeout.
2. Make a grocery list: Make a grocery list based on your meal plan and stick to it. This will help you avoid overspending and impulse purchases.
3. Cook in bulk: Cook in bulk and freeze leftovers for later. This will save you time and money and ensure that you always have a meal on hand.
4. Use simple recipes: Use simple and easy-to-follow recipes that require minimal ingredients and preparation time. This will help you save time and avoid the temptation to order takeout.
5. Invest in kitchen tools: Invest in kitchen tools such as a slow cooker or pressure cooker, which can help you save time and make cooking easier.
6. Cook with seasonal ingredients: Cook with seasonal ingredients, which are often cheaper and fresher than out-of-season produce.
7. Get the whole family involved: Get the whole family involved in meal planning and preparation. This can make cooking more fun and help everyone appreciate the effort that goes into preparing meals.
By following these tips, you can cook meals at home and save money while still enjoying delicious and healthy meals. Cooking at home can also help you develop new skills and create a sense of accomplishment.
Benefits Of Cooking At Home, Including Healthier Options And Saving Money
Cooking at home has several benefits, including:
1. Healthier options: Cooking at home allows you to control the ingredients and portion sizes of your meals. This can help you make healthier choices and avoid the excess salt, sugar, and fat that is often found in restaurant meals.
2. Cost savings: Cooking at home is often much cheaper than eating out. You can buy ingredients in bulk and use them for multiple meals, which can help you save money over time.
3. Improved cooking skills: Cooking at home can help you develop new cooking skills and techniques. This can help you become a better cook and enjoy the process of cooking and creating new dishes.
4. More variety: Cooking at home allows you to experiment with different ingredients and flavors. This can help you create new and exciting dishes that you may not find in restaurants.
5. Family bonding: Cooking at home can be a fun and rewarding activity that you can do with your family or friends. It can help you bond over the shared experience of cooking and enjoying a meal together.
Overall, cooking at home has many benefits, including improved health, cost savings, and the opportunity to develop new skills and create new dishes. By cooking at home, you can enjoy delicious and healthy meals while staying within your budget and achieving your financial goals.
Use coupons and discounts
How Coupons And Discounts Can Save Money
Coupons and discounts can save money by reducing the cost of goods and services. Coupons are vouchers that offer discounts on the price of a specific product or service, while discounts are price reductions on the total cost of a purchase. Both coupons and discounts can help you save money on your purchases and stay within your budget.
Coupons and discounts are often offered by retailers as a way to attract customers and increase sales. They can be found in newspapers, magazines, online, and through loyalty programs. By using coupons and discounts, you can save money on everyday expenses such as groceries, clothing, and household items.
In addition to saving money on individual purchases, coupons and discounts can also help you save money over time. For example, if you regularly use coupons to buy groceries, you can save hundreds of dollars over the course of a year. This can help you stay within your budget and achieve your financial goals.
Overall, coupons and discounts are an effective way to save money on your purchases. By searching for coupons and discounts and using them whenever possible, you can reduce your expenses and stay within your budget.
Tips For Finding And Using Coupons And Discounts, Including Loyalty Programs And Credit Card Rewards
Here are some tips for finding and using coupons and discounts:
1. Check online coupon sites: Check online coupon sites such as RetailMeNot, Coupons.com, and Groupon for discounts and coupons.
2. Sign up for loyalty programs: Sign up for loyalty programs at your favorite stores to receive exclusive discounts and coupons.
3. Use credit card rewards: Use credit card rewards such as cashback or points to save money on your purchases.
4. Follow brands on social media: Follow your favorite brands on social media to stay updated on their latest discounts and promotions.
5. Check store circulars: Check store circulars for weekly discounts and coupons.
6. Use browser extensions: Use browser extensions such as Honey or Rakuten to automatically search for coupons and discounts when shopping online.
7. Use price comparison sites: Use price comparison sites such as Google Shopping or PriceGrabber to find the best deals on products.
By following these tips, you can find and use coupons and discounts to save money on your purchases. It is important to compare prices and look for the best deals before making a purchase. By using coupons and discounts, you can reduce your expenses and stay within your budget while still enjoying the things you love.
Guide on Using Store E-Coupon Programs in Simple Steps
Maximize grocery savings with store ecoupon programs! Easily load manufacturer coupons to your loyalty card online for hassle-free, paperless discounts. No more forgetting coupons at home—just enjoy the savings at checkout!
Places To Find Coupons And Discounts, Such As Online And In-Store
Here are some examples of places to find coupons and discounts:
1. Online coupon sites: Websites such as RetailMeNot, Coupons.com, and Groupon offer a wide range of coupons and discounts for online and in-store purchases.
2. Loyalty programs: Many retailers offer loyalty programs that provide exclusive discounts and coupons for members. Examples include Target Circle, CVS ExtraCare, and Sephora Beauty Insider.
3. Credit card rewards: Some credit cards offer cashback or points that can be redeemed for discounts on purchases.
4. Social media: Many brands offer discounts and promotions to their social media followers. Follow your favorite brands on Facebook, Twitter, and Instagram to stay updated on their latest deals.
5. Store circulars: Check your local store circulars for weekly discounts and coupons.
6. In-store displays: Look for in-store displays and signage that offer discounts and coupons.
7. Email newsletters: Sign up for email newsletters from your favorite retailers to receive exclusive discounts and coupons.
By checking these places for coupons and discounts, you can save money on your purchases and stay within your budget. It is important to compare prices and look for the best deals before making a purchase.
Cut back on subscriptions
How Subscriptions Can Add Up Quickly
Subscriptions can add up quickly because they are often recurring expenses that are automatically charged to your account on a regular basis. These subscriptions can include streaming services, magazines, gym memberships, and other monthly or yearly subscriptions.
While each subscription may seem like a small expense, they can add up quickly over time. For example, if you have five monthly subscriptions that cost $10 each, you are spending $50 per month or $600 per year. This can be a significant expense that can impact your budget and financial goals.
Additionally, subscriptions can be easy to overlook or forget about, which can lead to unnecessary expenses. If you are not using a subscription or do not need it anymore, it is important to cancel it to avoid wasting money.
Overall, subscriptions can add up quickly and impact your budget and financial goals. It is important to review your subscriptions regularly and cancel any that you do not need or use. By doing so, you can save money and stay within your budget.
Tips For Cutting Back On Subscriptions, Such As Canceling Unused Services And Negotiating Better Deals
Here are some tips for cutting back on subscriptions:
1. Review your subscriptions: Take a close look at your monthly bank statements and identify all the subscriptions you are paying for. This will help you understand where your money is going and identify subscriptions that you may not need or use.
2. Cancel unused services: Cancel any subscriptions that you are not using or do not need. This can include streaming services, gym memberships, or magazine subscriptions.
3. Negotiate better deals: Contact your service providers and negotiate better deals or discounts. Many companies are willing to work with customers to keep their business.
4. Share subscriptions: Share subscriptions with family or friends to split the cost. For example, you could share a streaming service account with a friend or family member to save money.
5. Pause subscriptions: Pause subscriptions that you do not need all year round, such as seasonal services like gardening or snow removal services.
6. Set a subscription budget: Set a budget for your subscriptions and stick to it. This will help you avoid overspending and prioritize your spending.
By following these tips, you can cut back on subscriptions and save money. It is important to review your subscriptions regularly and cancel any that you do not need or use. By doing so, you can stay within your budget and achieve your financial goals.
Subscription Services To Consider Cutting Back On, Such As Cable Tv And Gym Memberships
Here are some examples of subscription services to consider cutting back on:
1. Cable TV: Consider cutting back on cable TV or switching to a less expensive streaming service. You can also negotiate with your cable provider for a better deal or cancel altogether if you don’t use it enough.
2. Gym memberships: If you don’t use your gym membership regularly, consider canceling it or finding a less expensive alternative. You can also work out at home or outdoors for free.
3. Magazine subscriptions: If you don’t read your magazines regularly, consider canceling your subscriptions or sharing them with family or friends.
4. Food delivery services: While convenient, food delivery services can be expensive. Consider cooking at home instead or limiting your food delivery orders to special occasions.
5. Streaming services: Consider cutting back on the number of streaming services you subscribe to or sharing accounts with family or friends.
6. Beauty subscription boxes: If you don’t use all the products in your beauty subscription boxes, consider canceling your subscription or finding a less expensive alternative.
By cutting back on these subscription services, you can save money and stay within your budget. It is important to review your subscriptions regularly and cancel any that you do not need or use. By doing so, you can achieve your financial goals and create financial stability and security.
Shop for deals
How Shopping For Deals Can Save Money
Shopping for deals can save money by reducing the cost of goods and services. Deals are discounts or promotions that are offered by retailers to attract customers and increase sales. By taking advantage of deals, you can save money on your purchases and stay within your budget.
Deals can come in many forms, such as sales, coupons, promotions, and loyalty rewards. Retailers often offer deals during special occasions, such as holidays and seasonal events, or to clear out inventory.
By shopping for deals, you can save money on everyday expenses such as groceries, clothing, and household items. You can also save money on big-ticket items such as electronics and appliances.
Overall, shopping for deals is an effective way to save money on your purchases. By comparing prices and looking for the best deals, you can reduce your expenses and stay within your budget while still enjoying the things you love.
Tips For Finding Deals On Groceries, Clothing, And Household Items, Such As Comparing Prices And Buying In Bulk
Here are some tips for finding deals on groceries, clothing, and household items:
1. Compare prices: Compare prices of products across different retailers to find the best deals. Use websites like Google Shopping or Amazon to compare prices of the same product across different retailers.
2. Buy in bulk: Buy non-perishable items like toilet paper, cleaning supplies, and canned goods in bulk to save money. Buying in bulk can also reduce the number of trips you need to make to the store, saving you time and money.
3. Use coupons and promo codes: Use coupons and promo codes to save money on your purchases. Check online coupon sites like RetailMeNot, Coupons.com, and Groupon for discounts on products.
4. Shop during sales: Shop during sales and clearance events to save money on clothing and household items. Retailers often offer discounts during holidays and seasonal events.
5. Sign up for loyalty programs: Sign up for loyalty programs at your favorite stores to receive exclusive discounts and coupons.
6. Use cashback apps: Use cashback apps like Rakuten and Ibotta to earn cashback on your purchases.
7. Check clearance sections: Check the clearance sections of stores for discounted items that are still in good condition.
By following these tips, you can find deals on groceries, clothing, and household items and save money on your purchases. It is important to compare prices and look for the best deals before making a purchase. By doing so, you can reduce your expenses and stay within your budget.
Benefits Of Shopping For Deals, Including Saving Money And Getting More For Your Money
Shopping for deals has several benefits, including:
1. Saving money: Shopping for deals can help you save money on your purchases. By finding discounts and promotions, you can reduce the cost of goods and services and stay within your budget.
2. Getting more for your money: Shopping for deals can help you get more for your money. By finding deals and discounts, you can stretch your budget and buy more items or higher-quality products than you would otherwise be able to afford.
3. Reducing expenses: Shopping for deals can help you reduce your expenses and save money over time. By finding deals on everyday expenses such as groceries and household items, you can free up money for other expenses or savings.
4. Improving financial stability: By saving money through shopping for deals, you can improve your financial stability and security. This can help you achieve your financial goals and create a better future for yourself and your family.
5. Increasing purchasing power: Shopping for deals can increase your purchasing power and allow you to buy items that you may not have been able to afford otherwise. This can help you enjoy the things you love without overspending or going into debt.
Overall, shopping for deals has many benefits, including saving money, getting more for your money, reducing expenses, improving financial stability, and increasing purchasing power. By shopping for deals, you can enjoy the things you love while staying within your budget and achieving your financial goals.
Conclusion
Recap Of The 8 Tips For Living Within Your Means
1. Create a budget: Creating a budget is essential to living within your means. It helps you track your income and expenses and identify areas where you can cut back.
2. Track your spending: Keep track of your spending to ensure that you are staying within your budget and identify areas where you may be overspending.
3. Prioritize your spending: Prioritize your spending by focusing on essential expenses first, such as housing, food, and transportation.
4. Reduce unnecessary expenses: Reduce unnecessary expenses by cutting back on non-essential items such as dining out, entertainment, and luxury purchases.
5. Build an emergency fund: Building an emergency fund can help you cover unexpected expenses and avoid going into debt.
6. Avoid debt: Avoid taking on debt whenever possible. If you must take on debt, make sure you can afford the payments and have a plan to pay it off as soon as possible.
7. Increase your income: Look for ways to increase your income, such as taking on a side hustle or asking for a raise at work.
8. Save for the future: Save for the future by setting aside money for retirement, a down payment on a house, or other long-term goals.
By following these tips, you can live within your means, reduce financial stress, and achieve your financial goals.
Achieve your Financial Goals with these Simple 5 Steps!
Whether saving for a vacation or planning for retirement, managing multiple financial goals can be overwhelming. Here are tips to handle them all effortlessly.
Final thoughts on the importance of financial stability and security, and the benefits of living within your means.
Sure, here is a recap of the 8 tips for living within your means:
1. Create a budget: Creating a budget is essential to living within your means. It helps you track your income and expenses and identify areas where you can cut back.
2. Track your spending: Keep track of your spending to ensure that you are staying within your budget and identify areas where you may be overspending.
3. Prioritize your spending: Prioritize your spending by focusing on essential expenses first, such as housing, food, and transportation.
4. Reduce unnecessary expenses: Reduce unnecessary expenses by cutting back on non-essential items such as dining out, entertainment, and luxury purchases.
5. Build an emergency fund: Building an emergency fund can help you cover unexpected expenses and avoid going into debt.
6. Avoid debt: Avoid taking on debt whenever possible. If you must take on debt, make sure you can afford the payments and have a plan to pay it off as soon as possible.
7. Increase your income: Look for ways to increase your income, such as taking on a side hustle or asking for a raise at work.
8. Save for the future: Save for the future by setting aside money for retirement, a down payment on a house, or other long-term goals.
By following these tips, you can live within your means, reduce financial stress, and achieve your financial goals.
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