The Best Way To Cook Your Freshly Caught Fish

A freshly caught fish can be cooked in a thousand and one ways. Any fisherman worth his salt has his own unique way of cooking a freshly caught trout, salmon or whatever fish he caught. So fisherman all across the country has been handed down methods of cooking fish. Here are some tips to get the best out of your fish. 

1.Frying

Breading and frying a freshly caught fish is as good as it gets. The smell of butter emanating from the frying pan and the flair a fisherman puts in flipping his catch is worth its weight in gold, almost. For the novice fisherman, make sure that the butter is extra hot but not yet burning. Also, make sure that the fish is well coated in batter. Season your batter to your heart's content, salt and pepper never goes wrong. You may want to try other herbs and spices with the batter for a more delicious fish.

2.Grilling

At first glance, grilling would seem to be the easiest way to handle your fish. A newbie might assume that grilling fish is the same as grilling steaks or burgers. Unlike fowl or cattle, fish tends to  secret most of its own juices when cooked. On a grill the delicious juice drips into the coals. 

To prevent losing the moisture, first coat the fish with oil. The oil will seal a part of the moisture inside. Second, keep an eye on the fillets and turn them as soon as a cut would reveal that the fresh fish is cooked halfway through. After being flipped, watch the fish carefully. Remove the fish as soon as it is cooked through.

An option to basting the fish with oil is to wrap it in aluminum foil. The aluminum foil will keep the moisture and marinate the fish in its own moisture. Placing herbs and spices inside the foil with the fish enhances the grilling process and the fish itself. 

3.Baking

Baking is the best option for the fisherman who does not want to watch over the fish during cooking. The fisherman can prepare the marinade and pre-heat the oven, then pop the fish into the oven for a predetermined amount of time. You may want to check on the fish from the time to time, ensuring that you don't overcook the fish.

Whatever fish you caught, a good recipe and proper cooking will for sure enhance the catch. Take time to prepare for cooking, a badly cooked fish will no doubt spoil your day. Remember the first rule of cooking, don't overcook your fish.

Fresh Caught Fish Cooking Preparation

To maintain the delicate flavor of a newly caught freshwater or saltwater fish, this must be handled properly to avoid spoilage.  Not to mention preserving the fish with pleasing odor.  There are ways to properly prepare and maintain the quality just after the catch of the fish into a sumptuous fishmeal.  Check out the tips below:

1) As soon as the fish lands avoid any contact with hard surfaces to prevent bruising.  It should be washed immediately by hosing or bucket rinsing in order to remove the slime and possible bacteria that cause spoilage.  Never use water from close proximity marinas, municipal or industrial discharges.  To make sure, always use potable water instead.

2) Simply chill the fish to prevent deterioration in less than an hour.  With a little advance planning, proper icing can be accomplished with the use of some relatively cheap equipment.  Fish should be stored in coolers and should be well chilled.  It should be 3" deep, thus, covering a pound of fish with pound of ice.  Use chlorinated water per quart of water for the final rinsing.

3) Clean the fish as soon as possible.  Their tissues are sterile but not their scales, which contains many types of bacteria.  When cleaning fish, avoid rough treatment because wounds in the flesh can allow the spread of bacteria.  Gutting the fish does not have to be necessarily long.  It is wise to cut the belly, as it leaves no blood or viscera in the body.  Make sure not to soak cleaned fish fillets in a prolonged freshwater as this could reduce the meat texture and flavor.

4) The eating quality and nutritional value of fish can be maintained up to 5 days if properly cleaned.  Washing of the hands before touching the fish is also important.  No matter what fish and the cooking technique used, one golden rule is to be followed always.  Whether it is whole or not, cook exactly 10 minutes for every inch measured.  15 minutes should be allotted to fish enclosed in foil or sauce baked.  Double the time for frozen fish.

Allow extra time if fish will be baked while packed in an aluminum foil and allow extra time for the penetration of the heat.  That should be an additional 5 minutes for fresh fish and 10 for frozen.  In thawing frozen fish, slowly thaw in the fridge for 24 hours or let the wrapped fish be run under cold water not at room temperature.  Do not thaw a fish that's frozen before cooking as it may make it mushy and dry.

“Fishing Kit Basics”

Before going deeper into the technicalities, make sure that a fishing license is secured.  To be an amateur fisherman there are basic pieces of fishing equipment needed to complete your exciting journey in the fishing world.  Knowing the line type and matching the right rod and reel to the fishing technique is just basic common sense.  Match these tools appropriately and expect a more enjoyable experience for a more comfortable fishing.  There are several things that causes the reel to turn into a bird's nest, don't worry, even experienced fishermen encounter this every now and then.  

The main objective is to match the rod, the reel, the line and the lure.  These will only cost a newbie around $25 to $40 and they could last for years.  The 3 main issues when shopping for a rod are:  Guides that are attached to the rod; Grip or handle holds the rod and could come in either cork or foam.  They come in different lengths so the comfort to the user must be considered; and the reel seat where the reel is connected.

Dealers make a lot of fishing rods that could either be single or consist of two or more pieces when assembled.  The connection is very simple; just connect the male and female ends together to make sure the guides are lined up.  This would only last for a minutes.  Sometimes, lubricants are needed.  When shopping for a rod, slightly bend it to get the feel of it.  Again comfort should be considered when using the equipment.

Rods of any type will work.  It should be around 6' long and medium weight.  Even a long stick will work.  This should be long, straight and flexible so it will not easily break.  The most popular rod is Graphite because it is so light yet so strong.  Wispy rods should be up to 4m long to be used for long casts in moderate winds.

There are a lot of fishing lines to choose from and it can be very confusing to find the best.  It is mostly made of nylon and "monofilament" that comes in spools of different lengths that are called Tests.  The larger the fishing line the thicker it is in diameter.  Find a piece of a 4lb. or 4 lb. Test that is almost 10' long for the basic rig.  

The basic rule is that all the gears should match. To summarize your fishing kit, it should include other stuff as well: net, stringer, line clippers, fishing knife, first aid box, a pail of bait, sunglasses, fishing hat, and talking about the basics, don't forget your SNACKS! 

"Picking The Right Boat"

There are two questions that should be considered when choosing the right boat: "What will be the fishing for?" and "where will the fishing activities be?"  Always look for the signs of quality check the carpet and the compartments - they could be plastic, metal or fiberglass.  Look at the little but very important things like the 1000 GPH bilge pump, the six gauge wiring instead of ten or eight that is because heavier wires gives more power from the battery up to the trolling motor.

There is Five Star Advantage that ranger dealers often speak to their customers: Quality, Safety, Innovation, Performance, and Value.  Below is a list of “must have” things when buying your first boat.

Tow Vehicle - This is one of the most important piece of your equipment, ensured that has the rating to get the job done like loading up to 3500 lbs. of weight that could easily pull the boat up the hills and mountainous treks.

Bass Boats - For first timers, consider a second hand boat.  This will be a trial and error stage where fishing skills can be tested.  Consider a larger boat, which is about 19 feet with 20 to 30 miles speed for larger bodies of water.

Aluminum - In smaller lakes, a 16-18 foot aluminum boat is a good choice.  It is cheaper than fiberglass and more forgiving of bangs, running up into shallows and hitting stumps and rocks.  The only downside is that it rides rougher even with the slightest winds.  

Fiberglass - This two-stroke engine is much more expensive which could cost from $20,000 to as much as $50,000.  The good thing with this boat is that it could handle bigger, rougher water and still give you a smooth ride.  

Brand new versus Second Hand - Buying a second hand boat is not only cheaper but holds their value longer and better.  The downside is that you'll probably inherit someone else's troubles.  During casual inspection, outboard engines problems are not easily identified.  The best thing to do is bring someone you trust with you to inspect a prospective boat or buy from someone you know instead.

Handling the Boat - Listen to the pitch change when trimming down.  Although it will be very difficult for beginners like trying to launch and retrieve the boat backing it down the ramp.  Never worry, because everyone passed that stage and there's no boat owner that is not willing to help a first timer learn.  Sometimes all it takes is just 4 hours to learn the basics.  

Buying a dreamboat is very exciting.  It is not the boat that really matters but the experiences that come with fishing.

Catfishing the Right But Simple Way

There are a few basic methods that are effective in catching catfish.  Bear in mind that specific methods are applicable to specific kinds of waters.  That is because techniques and baiting mixtures are formulated for specific targets.

The following methods are simple, yet proven successful when used:

1) Rigging method - Depending on the bait used, loop the bait holder or the treble hook from a line to a preferred distance to the end.  Bait movement is not suggested; therefore, a weight must be used to allow the rig to be still.  A good distance shall be about 18" to 24."  

Same as the first method, using the Slipweight to make the bait stable is also effective.  The weight does not matter as long as it can slide in the line.  The fish will not feel any weight and it will be late until they realize that the bait is fake.

Multibait technique allows multiple catches at once.  Simply place three-way swivel along the line.  As it draws more strikes it makes a great choice for catching more catfish at the same time.

2) Bait - Experts opt for chicken livers or medium sized shrimp from groceries.  The shrimp's tail and skin must be removed and body should be big enough to slide up in a number 6 hook.  This is simpler than the chicken which necessitates the use of pantyhose.  A diameter of a quarter is wrapped in a piece of pantyhose leaving a tag end then attach it through the treble hook.  Blood worms, minnows, catfish paste, night crawlers, snails, living or dead small fish, and dough baits are also good choices of baits.  Remember that the best baits are always those that nature produced. 

3) Chumming - Fishermen catch more catfish with this method.  This is simply throwing balls of mixtures of natural recipes in the fishing area.  This attracts more catfish; the trick is that the mixture should be right enough for the catfish to feed heavily.  The hook that will be used to fish normally must have the same recipe for the bait.  Adding a good smelling flavor into the pasty mixture attracts catfish more.  

4) Tackling - Although the technique involved in this method is by far effective, it's still the bait that attracts and brings the catfish in.  As simple as it is, the tackle should be about 6 feet long with a spinning real.  Choose heavier lines to allow more battle between the fisherman and the catfish.  It doesn't necessarily have to be expensive.  The experience you get from a cheaper tackle is no different from an expensive one.

Make sure the grip is secure hooks are removed by pliers after catching the fish.  Avoid being stuck with the fins as some are poisonous.  Just simply sliding the hand up to its belly from tail, placing the fingers behind one side and thumb behind the other can remove the catfish from the hook without any harm.  Happy catfishing and good luck!

Basic Carp Fishing Pointers

Frustrating as it is, carp fishing is awesome. Carp are really good at sucking in and blowing out suspicious baits.  It’s such an excitement to see the whole action in a fraction of a second as you hang on for dear life while the reel is trembling with a loud noise.

Carp happily devour on the surface as long as you keep the pellets, biscuits, chic peas, bread, and re-hydrated corn coming in, and these are inexpensive baits as well.  Just attach them to the hooks, most preferably the bread.  Have the biscuits softened by dipping it in the water for about 2 minutes, then, place them in a sealed sandwich bag for about an hour.  Since different brands have different textures, just experiment to know which is firm enough to cast.  Another way to hook baits is super gluing the pellet into the shank.

Once they get into feeding, let them feel comfortable around the bait.  This gives more opportunity for the fisherman since they begin to not feel picky.  This tactic can be useful for zig rigs.

As soon as they’re feeding, cast the bait but make sure not to drop the bait directly onto the feeding carp.  Cast away from the feeding area then slowly draw it in position.  While the bait is till hanging, keep the food coming in so as to keep the carp from going away.  

How to Set-Up?

• Use a hair rig to increase your chance of catching.  As carp taste food first, if they don’t like the taste, they won’t come near it.

• You may also use a Spider Line, 50 lbs test, then use a leader material that fits the situation.

• Thread the bait on the baiting needle and hook the hair loop.  You may also use foam dipped in a flavor as this enhances the attractiveness of the bait.

• Also make a baiting needle by just straightening a long shank hook.  Slide the bait on the shank, then slide the bait from the needle onto the hair.

• Using a float is also an advantage because it adds weight for further distancing and the location is easily identified.

• Don’t forget the controller float rig.  A leader can be used which is attached to the swivel to its mainline of at least 3 feet length with a 10lbs Drennan double strength.  A low diameter mono will do just as long as it floats well enough for visibility.  

As experts say, it is not the bait that catches the carp but the method in which the bait is introduced.  Pre-bait everyday, in one spot for a few days.  This makes the carp think that there is a regular source of food for them and by “word of mouth” there’ll soon be a school of fish around.  Just be patient and it will all work.

BEST LURES TO USE IN FISHING

The evolution of fishing gear and accessories along with the development of the bass fishing industry brought about the development of various lures specifically used for different fish species. 

There are many types or class of lures and they all depend on what type of fish works for them. Many only work for specific types but some cover a wide range of species of fish. 

Below are some of the typical lures used for fishing. 

Light Standard Casting Lures

For Standard casting lures, they are mostly able to attract a wide range of fish varieties from albacore, bluefish, bonita, oho and crappies. These lures are also excellent for certain species of bass fish and work best when retrieved from water at low to medium speed. They pass through water with undetectably synthetic material. 

Their sizes are excellent for lightweight fish and a host of freshwater species. They range from 1/16 oz. to 3 oz. 

The hand painted eye is enticing enough to allow schooling of fish. This feature allows for more chances of trapping one of the target fish in the water. 

Heavy Standard Casting Lures

Heavy Standard Casting Lures are excellent for quite heavy fish specifically, walleye and bass.  While the lightweight lures are used in most circumstances, it was shown that heavy counterparts provide more reliable fishing output. 

Moreover, the heavy standard lures are able to catch fish than diamond and light standard casting lures. 

Long Casting/Jigging Lures

Perhaps the most popular among the fishing lures are the long, tapered jigging lures. They are perhaps the most commonly used fishing lures among the fishermen in Florida, Mississippi and Louisiana. 

Just recently, it was found out that the long casting lures work best for catching trout and pike. They were also found to effectively catch stripers and bluefish. They can catch tuna and walleye in a breeze!

Unlike heavy standard lures, this gear won’t produce good fish-catch output up to 180-200 ft under water but be sure to effectively match your lure color, bait and related accessories to maximize performance. 

Deadly Diamond Lures

These lures are one of the smallest with sizes ranging from 1/8 to 1oz. They can seamlessly attract attention among fish and could form a school of fish in a minute!

The reason is it lies on its structural surface formation and cut. The top handle is cut like a diamond and causes the reflection of light striking on its surface. The diamond lures are best for catching bass fish varieties, crappie and stripers although they work on a small range of fish species. 

Excellent Fishing Rods for that Perfect Fishing Experience

Today’s fishing rods have incorporated modern features that are not typical of the more primitive cane pole. Modern fishing rods contain reels, which aid in the retrieval of fish caught in its bait.

A much-sophisticated feature is the spinning rod where the entire shaft of the rod except the handle can move around on its axis to allow flexibility when fish caught on snare bait struggles through the water. 

Like the classic cane fishing rods, the fishing gadget is thick at the handle (bottom) and is tapered and thinner at the tip. This very basic design allows handling stability and flexible movement of the entire length of the shaft. 

Types of Fishing Rods and Specifications

A typical fishing rod measures 6 and 16 feet (2 and 5 m) and vary in capability to tolerate strain in fishing activity. The length has a lot to do with withstanding force exerted by the fish to the pole and determines for the most part the performance of rods used for angling. 

Cane Poles 

Cane poles are one of the smallest and less sophisticated gadgets in fishing. It is usually made of bamboo or other flexible wood material with the most basic fly line attached to it. 

Unlike other more sophisticated fishing rods, cane poles do not usually contain reels or its equivalent to be used for reeling in or retrieving fish caught on bait. This very same action is known as angling. 

Spinning Rods

These types of rods are the most popular today. They can be used either for heavyweight or lightweight fish although they were proven best for trout, walleye and bass fish. They vary in measurements from 5 and 7 feet (1.5 and 2.5 m). 

Spinning poles are commonly used in bass fishing competition accounting for their flexibility and tolerance to stress. They accommodate bigger and tougher fly lines and stabilize them to avoid line tangles during uncoiling of float lines.  

Jigging Rods

These rods are best for heavy lures and baits especially when reaching around 180 to 200 feet under the ocean’s surface. They are made of fine, solid materials which accounts to their heaviness. The use of jigging rods is specifically due to alternating currents during the fishing activity. 

Some oceans have erratic undersea current.  That is why the bait and fly lines should be kept in place. Lures are also disturbed and cause confusion among fish if the lines are not long and heavy enough to withstand and tolerate water currents under the sea. 

These rods are best for target fishes usually found dwelling at the bottom of the sea such as halibut and cods. 

BASS FISHING FACTS AND MORE

Bass fishing has a fascinating history. It started in the late 18th century and continues to progress until today. 

It probably was originally practiced in search for food among the people in the south of the United States. Since then, it has started gaining numerous audiences of all ages and nations. Today, countries such as Australia, Cuba, South Africa, United States and most of Europe participate in this kind of event. 

Timelines

• The year 1768 or 1770 represents the birth of bass fishing sports. Onesimus Ustonson introduced his first multiplying reels to the fishing gurus and lovers. It was later developed into bait caster. 

• William Shakespeare Jr. materializes the production of a level wind device and secured its patent on 1897. 

• The William J. Jamison Co introduced the overly ornamented Shannon Twin Spinner in 1915 and was improved to create today’s spinner baits.

• In 1932, President Franklin D. Roosevelt instituted the creation of Tennessee Valley Authority and encouraged the creation and building of numerous dams. These dams were later used for culturing different varieties of bass fishes.

• Five years later, DuPont Company filed patent for nylon fishing net, this was later developed into nylon monofilament fishing line.

• The year 1992 is one of the most glorious events in the history of bass fishing. Larry Nixon, the famous fisherman in the history of bass fishing won $1 M total earnings for this sport on this year. 

Bass Fish

Several fish species that are being caught in the bass fishing events are the following: 

• Micropterus salmoides (Lacepede) - Largemouth Bass

• Micropterus dolomieui - Smallmouth bass

• Micropterus punctatus - Kentucky Bass

Other species of Micropterus are also caught but one that remains popular is the Largemouth bass. However, it should be emphasized that Australian Bass are different from the above North American Bass variants although most share similar features. 

Perhaps, the most robust success of Bass Fishing was in the 1950s. The popularity of the game during this period is the springboard to the development of modern fishing equipments from bass boats, rods, lines, lures and various fishing gears. 

Electronic gears were also incorporated among the host of equipments bass fishers used at that time. Reels of different types, which function in hauling and hoisting, were also created. 

The contribution of bass fishing industry to the US economy records $50 to $70 Billion and the number continues to grow. Statistics show that the audience base of this sport is increasing and that more and more people are getting interested in it compared to tennis and golf. 

Tips for Archery Fishing

Also known as Bow fishing, this is a sport wherein a fisherman uses archery equipment to fish.

A regular hunting bow can be used for fishing by simply attaching a reel to the front of the bow grip.

Archery fishing is especially favored by regular hunters when regular game like deer are off season.  This way they can continuously hone their skills for whatever season it may be.

Before engaging in archery fishing, one must first take into consideration the following:

1. A fisherman must be duly licensed.  Some states require that an individual have a state license to fish.

2. Equipment.  Most states have a predetermined set of approved equipment for archery fishing. 

3. Archery Safety Course.  Still, some states require that an individual go through an approved safety course for archery fishing to ensure that the individual is well versed with the proper safety precautions and information regarding applicable laws in fishing.

4. Seasons.  Bow fishing in some states can only be done in certain seasons.  This is to allow the fish to spawn.

5. Species of fish.  Some states have rules forbidding archery fishing for some species of fish.

The following skills are necessary for an individual to obtain and practice:

Knot tying.  Though it may seem like a simple task, tying knots that will not slip (line for the arrow) are crucial in bow fishing.

Tuning.  Tuning is making sure that the bow is at its best working condition.  To ensure this, one has to continuously adjust the rest and calibrate the nock.

For a faster tuning process, one may shoot a regular bow-fishing arrow (without the tip) onto a target made of cardboard.

Marksmanship or targeting.  Bow fishing and bow hunting, though similar on some aspects, really do differ on many things.  Arrows for bow fishing are heavier, have larger arrow tips and, the most obvious one, has a string attached to the arrow.

And since fish are shot in the water, resistance differs as when compared to shooting in the air (for bow hunting of games)

There are various methods or ways of archery fishing.  This includes the following:

1. Still hunting.  A fisherman selects a place by the lake in which he would wait for passing fish to shoot its bow at. 

2. Stalking.  This can be done on foot or while on a boat.  One is in constant motion in an attempt to locate fish.

3. Ambush.  Fish that are best ambushed are the ones that are spawning since they tend to crowd thus increasing chances of target.

Tips in fishing for salmons in Alaska

Alaska is known as one of the most bountiful areas with salmon, and is ideal for fishing trips.  

This is because of extreme tides along the West Coast and the gush of ocean currents that create an environment ideal for the breeding of thousands of baitfish.

It is also known as one of the best places to go if one wants to fish for giant King Salmon, the largest specie of salmon fish.

The best way to catch these giant salmon (in saltwater) is through trolling or by angling a baited line drawn into the water.

Fishing for giant King Salmon can be a year round activity (especially in Seward). 

The most sought-after species of salmon are the following:

1. The King Salmon (Chinook) are the largest of all these species.  Its weight averages between 20-40 pounds, the heaviest recorded of which is 112 pounds, and can be as long as 3-4".  It has a blue-green back that is lightly spotted.

The average life span of a Chinook Salmon is about five to seven years.

Its flesh can range in color from ivory white to a deep red.

Common names for this specie of salmon include tyee, springs, mouth/kings quinnat and tule.

2. Silver Salmon (Coho) on the other hand is slightly smaller with an average weight of 8-12 pounds.

These specie prefer small streams in which to spawn between the months of July to November.

3. Sockeye salmon, on the other hand, are the most sought-after of its entire species because its flesh has a color of deep red and it has a firm rich flavor.

In fishing for salmon in Alaska, one has to be well equipped with the right equipment (and donned with the appropriate apparel).

Listed below are some of the needed equipment/materials and tips for hassle-free fishing:

1. You must be clad in layers of warm clothes (not necessarily bulky ones as it can hinder in the fishing activity).

2. Over these everyday clothes, a waterproof overall, boots and bibs are likewise necessary to ensure that one would stay dry since after a hook-up, some fish may resist with maximum struggles.

3. Fleet or cruisers that offer services for fishing are usually stocked with bait. 

4. A guide on board a cruiser ensures that even amateur fishermen will enjoy the activity by providing crash-lessons onboard. They usually hook the bait for the guest and inform the party as to where specific species of fish may thrive for selective fishing.

Alaska Fishing Lodge: The Nature’s Abode

Recreation is an important aspect in the life of human beings. Anglers represent the major group of leisure seekers, and have a determined advantage over the other groups who make use of nature’s wonderful creatures and elements for food.

Consequently, the popularity of fishing in many areas had continuously dominated the society.  That is why  along with its series of activities, people now realize the need for fishing lodges especially in places where fishing activities seem to never end. 

Among all fishing lodges available in the industry today, the Alaska Fishing Lodges are among the most treasured and most popular fishing lodges in the United States.

The Alaska Fishing Lodge provides its customers full customer service satisfaction with their wide array of fishing activities and endless strings of fishing fun.

Normally, Alaska Fishing Lodges are made up of logs; sturdily build to provide each angler optimum convenience and comfort. It is known for its spacious interiors, creatively decorated with the right embellishments, thereby, setting the mood for fishing and wilderness.

In addition, because it carries the true Alaskan heritage, Alaska Fishing Lodges offer services and products that can be afforded by anyone.  With its affordable rates, the place is inhabited by people, who mostly want to enjoy life and fishing but cannot afford to buy the pleasures in expensive beaches and lodges.

Best of all, Alaska Fishing Lodges are perfectly located in areas where the waters are abundant with the different species of fish. Usually, these lodges are situated in a place where trout, northern pike, and grayling mostly inhabit the waters.

On the other hand, most Alaska Fishing Lodges are built big enough to occupy 16 guests, in which each guest can avail of personal and individualized services.

Moreover, this type of lodge also houses a place where king salmon are abundant especially during the months of June and early part of July. Most lodges also provide a wide variety of fishing equipment, from rods to tackles and lines.

With all these beautiful features present in every Alaska Fishing Lodge, there is no better place to enjoy fishing and the wilderness like what this particular lodge can offer.

Staying in an Alaska Fishing Lodge is, indeed, an ultimate fishing experience.

How to Save Money and Avoid Temptations

Saving money and financial management is very crucial in one's life. Money is very important in order to survive in this world but only a few people know how to manage their household budget properly. Many people have a hard time saving money even if it is for their own good.

Most of the time, you may be motivated to save money but there are times when temptations come your way and before you know it, you have already spent the amount that was supposed to be added to your savings account. Here are some helpful tips on how you can avoid temptations and be able to save money:

1. Try hard to avoid those things that keep you from saving. If you are fond of buying shoes even if you don't really need them, try very hard to stay away from them. Keep yourself away from shoe stores so that you will not be tempted to buy one. 

2. When going to grocery stores. Always bring the exact amount and bring with you a grocery list. If you have limited money in your pocket when in grocery stores, you will be forced to buy only those important things that you need. Preparing a grocery list will also help you get organized and will help you in deciding the things that need to be prioritized.

3. Go to the malls only when needed. Do not go shopping if you do not need anything important to buy. Window-shopping will only tempt you to buy the dress you saw in the boutique even if you don't really need it.

4. Do not bring with you your credit cards all the time. Having a credit card in your pocket will only tempt you to buy things that are not necessary. This will also help you lower your balances and have a good credit score.

5. You may want to save money in the bank or invest in time deposits. You will not be tempted to get money from the bank every time you need cash, if they are placed in a time deposit account. 

6. You may also want to consider consulting a financial advisor. There are a lot of programs that offer these services for free. They may be able to help you and give you advice on how you can avoid temptations and save more money.

“Starting Young: Teaching Teens to Save Money”

Parents mostly complain that teenagers do not listen to them. The opposite is true when it comes to advice regarding 'money matters'. Teens actually welcome their parent’s input about their finances. 

In the past few years, teenagers have earned billions of dollars with part-time and summer jobs. 

Some have spent most of what they earned, while others saved most or even all of it for a big purchase, or for their college education. 

Kids these days are becoming more and more aware of their family's source of income and financial status. They apply these money-spending principles when they venture out on their own. 

Thus, it becomes more of a parent’s responsibility to start “training” their teenage kids to use their money wisely. 

Here are some ways on how you, as a parent, can teach your teens to save those hard-earned bucks: 

1. Lead by example. 

With your lifestyle, the children will see how you spend your money. 

If they see you allotting a certain amount for a specific household need, they will eventually do the same when they get to earn their own keep. 

2. Help your teens get a bank account. 

Establishing a bank account under their name would give them an instant financial responsibility. 

Sit down and explain to them how to manage their own account, and the “rewards” that they get once they save enough.

Their savings could go to their college tuition, or a big purchase like a car. 

Additionally, it gives them a sense of accomplishment once they have saved up, with something concrete to show for it. 

You may check out the special benefits that banks offer for teens who open their accounts at such an early age. 

3. Construct a “spending plan”. 

Once they hear the word 'budget', teens tend to cringe at the mere thought of having to restrict the spending of their money. 

Instead, you and your teen son or daughter could build a “spending plan”. This would get them excited, and think of ways on how they can wisely spend their savings. 

Also, have them list down their earnings versus their expenses. 

Let them know the difference between the items that they need and the luxury items that they want, which they can actually do without.

4. Make a “mock” investment in the stock market. 

Make them aware of the options that they have financially. 

Casually introduce to them the business part of your daily newspapers and have them make “mock” investments for companies who manufactures products that they like. 

Monitor the stocks together and this would give them another option of investing their money in the future. 

"Essential Money Saving Tips for Students"

It is easy to get caught in the rush of things when you are in college. In the midst of studying, part-time jobs, socializing and extracurricular activities that you have, you are most likely to forget one of the most important things, which is straightening out your finances. 

Here are some tips on how you can save money as a student:

1. Plan ahead. 

If possible, do this even before you move into your dorm room. 

Check if you are eligible for scholarships and other grants before signing up for any form of student loan. 

Construct a cash flow. First, where do you expect to get money from? Make a list of your “income”,  be it from your parents, your student loan or your part-time job. 

Then forecast your expected monthly or weekly expenses for food, books, etc. Once you have set aside a budget, be strict with yourself and stick to it. 

You will never know what unexpected expenses would come your way so it is better to have a downfall for financial emergencies. 

2. Save on food. 

One of the major expenses that you have as a student which you might have ignored when you were still living with your parents is your food allowance. Avoid eating at fast food outlets, as this is most likely to ruin your budget. Pack your lunch and plan your meals as much as you can.  

3. Take full advantage of student discounts. 

Those ID’s in your wallet are not just for show.  Student ID’s and memberships in organizations are honored in several establishments which offer discounts. 

Also, patronize a certain establishment regularly and you are bound to get bonus cards for being a loyal customer. 

4. Use your cash as much as you can. 

Since you already have a draft of the items where you will spend your money, it is easier to monitor your cash flow. Avoid using your debit card when you have cash with you. Use your credit cards or write checks only in emergencies. Having debit cards, credit cards and checks handy might lead you to overspend. 

5. Keep yourself busy. 

Join clubs according to your field of interest. 

Keeping busy will let your mind wander and help you stay away from things that you are likely to spend money on when you get bored. Examples of these are snacks, movie tickets or game rentals. 

You will be surprised at the amount of money that you will actually save by spending less on luxury items, following your budget plan and saving for financial emergencies that you are most likely to get as a college student. 

No Fret Family Budget

For some, the idea of a budget is often a blur.  It is frustrating to see how hard it is to do a budget and realizing that with one wrong purchase, you can actually ruin the entire thing. And this has been a perennial headache for most homemakers.  

It is about time to overhaul the way people look at budgeting.  It can actually be a great way to keep track of your family's expenditures and help you evaluate the things that you spend the lion's share of the family's earnings on.

What is a budget?  A budget is a tool for handling your finances by controlling the family's expenditures in a way that money is enough for paying up bills, and still ensuring that savings are set aside for future expenses - vacations, or children's education, or even for retirement.

Try these simple steps in preparing a no fret family budget, and see the benefits of intelligent spending.

1.  Gather three months of your pay stubs and get your average monthly earnings.

2.  Get out three months of your monthly bills.  Do this for the fixed expenses like the rent, phone bill, car payments and other loans that come monthly.   Add them up and get the average. Do the same for other expenses like groceries, and credit card bills. 

3.  Evaluate the results of your computations.  Looking at your average monthly earnings against your monthly fixed expenses and other monthly expenses, think of some ways to economize.  Cut back on some items that are somehow unnecessary.

4.  Knowing the facts of your income and expenses, develop a family budget and try to stick to this monthly budget.

5.  Now that you have a monthly budget, set up a savings account.  Save up by making regular deposits to this account.

6.  Keep track of this monthly family budget just to see if it is working for you.  Try to fine-tune the "rough edges" of this budget as you go along.

7.  If you can get hold of a personal budgeting software or spreadsheet application to keep record of your budget, the better.  This will make organizing your expenses very easy.

These are the basic steps in developing and implementing a no fret, easy to stick to monthly family budget. Of course each family has diverse needs and wants.  You have the freedom to develop your own monthly family budget, depending on your family’s financial background and needs.  No matter how you do it, just focus on the end result, which is building a savings that leads to a bright and financially stable future for your family.

Self-Discipline And Saving Money

A great way to save money is to be aware of the fact that one has the power to define the state of his finances specifically through a conscious effort of disciplining the way one spends and controlling one's expenditures.

Self-discipline will most definitely be the key to reducing one's debts therefore increasing the possibility of growing one's savings.  And in the long run, improve one's standard of living.

According to money management book author Robert Hastings, "Undisciplined money, usually spells undisciplined person".  Therefore, if one notices how his hard-earned money seems to slip away so darned easy, then it is about time that he rethinks his ways and try to discipline his unpleasant spending habits.

One of the essential keys to successful money management, specifically saving money is to possess proper attitude.  Self-discipline is at the topmost of this proper attitudes list, of course.

Only with self-discipline that people recognize that they do have the freedom and power to do the right thing over doing as their impulses dictate.

Sounds complicated?  Well, not really.  Knowing fully the fantastic rewards of disciplined money in a disciplined person's hands should be motivation enough for one to do all that is humanly possible to achieve that elusive financial stability everyone hopes for.

Here are some helpful money saving tips.

1.  Realize that the most convenient method of building one's wealth is through saving money.  Money is the only sensible material to save.

2.  Focus expenditures on the things one needs.  Live day-by-day knowing that you have enough.  

3.  Avoid buying on impulse. Take your time when buying, especially the expensive items.  If you really need it, it would most definitely not slip your mind.  Otherwise, if you go along forgetting all about it, then it isn't really worth the money you have to spend on it at all.

4.  Credit card debts hold the number one slot as the cause for financial drains these days.  Control your spending by using your credit cards less.  Or for unavoidable circumstances when you really have to use the credit card, consider using the ones that charge less interest.  Then dump the high interest ones for good.

No matter how you look at it, saving money is so easy to do.  A little bit of imagination, some creativity and a lot of self-discipline will take you a long way in keeping hold of your hard-earned money.

Self-Control and Saving Money

Self-control is one of the many virtues that is something that can be learned by each and every person.  And learning it will prove to be very significant in the way people handle their finances. Possessing a sense of self-control somehow helps people to put aside money instead of spending it. It helps people to resist the terrible "itch" they get to spend money the moment they get hold of it.

This is a common pitfall for most people. Often, when people come into a certain amount of money, they have this tendency to rush out and instantly satisfy the irresistible urge to splurge on anything they lay their eyes on.  This is a very dangerous mistake.  Sometimes people fail to recognize the idea that the future has to be considered, too, whenever spending and savings enter the picture.

The cliché "nothing is constant" still rings true until today.  The stuff people see now as shiny and new will fade and rust away later.  And patience and self-control makes people realize and think about the many other more important things that requires more of people's concern, specifically money-wise.  

A person's financial success starts with a conscious effort to control one's expenditures and save up for the future. 

Realizing the high correlation of self-control and saving money, the next question is, how do we start learning and acquire this virtue of self-control, which seems so elusive?  Well, there are many ways which people often take for granted. Here are some of the less complicated ones that are easier to follow.  Learn them, and hope they grow on you. Try to apply these easy steps in your daily living and surely they will bear you wonderful fruits on your way to financial stability and security.

1.  Do not purchase items on impulse.  Consider thinking if you really need the item, or maybe you can still put it off for later when you really have the need for it.  

2.  Identify the your needs from wants.  You wouldn't want to spend so much on something that you may regret doing so in the future.

3.  Look for a person who can serve as a role model for you and adapt a financial life similar to what he does. In this way, self-control will seem very easy when you see that others are actually doing it.

Secrets of keeping to the family budget

The high cost of living in today's society, wherever you may be, has made budgeting a priority among families.  In today's inflationary world, nothing is more important than knowing how to wisely spend the meager income that you get.

Financial problems usually arise due to lack of proper budgeting skills, or failure to keep to the proposed budget.  No matter how much income you may have, it is still important to keep track of your assets and liabilities, your earnings and expenses.

It is ironic but a person who earns thousands will have the same problems with the person who earns by the hundreds.  Most often, different kinds of people, with diverse income levels, have budgeting problems.   Others who may have been successful in making a budget, usually fail to keep within such a budget.

A budget refers to a financial plan, taking the incoming and outgoing monetary resources into consideration.  A good budget should not only mean a balance or equity between income and expenditures.  It also means lesser expenses, and making an allowance for savings.

If you earn a thousand dollars per month, you should map out all the necessary expenses you will have to incur during the month such as payment for your house, food and transportation.  Of course, this is presuming that your tax liabilities have already been settled.  What remains after you deduct your total expenses from your income is your savings.

What you do with your savings will make a difference later on, when the need arises.  You can choose to keep your savings in a piggy bank or place it in a bank where there is minimum interest rate but at least your money is safe from you and from intruders.  With a bigger savings, you can get the services of a financial adviser who can give you higher-yielding investment options

Here are tips to make sure that you keep within the family budget:

1. Maintain a logbook where you can list your income and expense account on a weekly or monthly schedule.  

2. Buy your groceries at one time.  To do this, make a list of all the things that you would need for your target period and purchase them at one time.  Sometimes, there are discounts if you buy by the dozen so take advantage of this.

3. Avoid going to the supermarket and shops if you do not need to buy necessary items.  This will keep you from making unnecessary purchases and keep you from straying away from your budget.

4. Think twice before you buy something.  By doing this, you will realize that it is not really a necessity but a whim.

“How to Save Money for Tuition Fees”

As soon as their child is born, parents can start saving up for their children’s college education. 

With tuition fees climbing up yearly, it is better to have a sound financial plan so that it would not be difficult for you to send your kids off to college when they grow up. 

Aside from the cash that you have saved yourself, here are the top 3 sources that can help you get your kids through college: 

1. Scholarship grants 

2. Part-time jobs 

3. Financial aids

These are good alternative sources for your children to start off on their college education. 

But as a parent, you would not want to fall in those long lines for financial aid or let your child work himself to death just to have money for tuition and other expenses. 

Here are some ways on how you can have a jump start at shaving off those hard-earned bucks for your child’s college education:

1. The earlier, the better. 

Start investing your money as soon as your child is born. 

First, put the savings or investments under your name. 

Later on, decide whether you want to transfer the account to your child’s name by  the time he or she turns 15. This way, you will have minimal taxes, if at all. 

However, you need to be careful when transferring account names. 

Some states require a total turnover of funds once your child turns 18 or 21. This is also ineffective if, in the future, you apply for financial aid. 

Also remember that tuition fees 10 or 15 years from now may double or even triple the current rates. 

2. Establish a trust fund for your child. 

This is a very wise plan for a child’s parents or relatives to invest in. 

A trust fund is similar to a time-deposit where the money will be given to your child after a certain number of years. 

After the designated time, the fund may be received in one lump sum or through an installment basis. 

When building up a trust fund, check out details like the interest rates, taxes and withdrawal restrictions. 

All in all, you need to approximate the costs of tuition fees, dorm room, meals, books, and other expenses that may come up.

Make sure that you invest money wisely as your child grows. 

By the time that there are only two or three years to go before you send your son or daughter off to college, "lock" an ample amount of the funds by investing them in low-risk bonds to ensure that you will get to have enough for them to start their college education.

Tips on how to Save Effectively in Banks

Many of us think that putting our money in the bank is a secure and wise way of saving. Yes, this is true if we are wise in dealing with banks. Banks are not charitable institutions, these are profit-driven entities which charge different kinds of fees and do all sorts of schemes to take away some of your money. The savings that you can get in being wise in making bank transactions can add up after some time and let you use your money where you want to.

Here are some tips on how to effectively save money in the bank:

Mind the Opportunity Cost 

Think about the factors that are affecting your money in the bank. Are there fees that the bank is asking you to pay for keeping and using your own money? How much? Are they requiring a minimum balance for holding an account? You might be interested in other alternatives that are available out there, waiting for your investment. You should always factor in the opportunities that you are deprived of because you are putting your money in the bank. You might also be interested in taking a look into the terms of other banks. Probably the bank that can best suit your needs is out there waiting for you.

Book Balancing

Always bear in mind to have your checkbooks balanced at the end of every month. Issuing bounced checks can cost you a lot. The average fee for issuing checks with insufficient funds is $20. If you are not aware of the problem, you can easily issue several bounced checks in a certain period of time and this is very costly indeed.

Tame the ATM Machines 

The best practice in using ATM machines is to avoid using ATM machines of other banks. This way, you will save on ATM fees. However, it wouldn't hurt if you also knew the ATM machines of other banks which do not charge fees.

E-banking

With the advent of globalization, everything is becoming electronic. This is also true in the banking world and technology is quickly becoming a benchmark of competition. E-banking can save you some money from transportation costs and more importantly, it will save you time. The time you spend waiting at the bank can be used for some other productive activities.

Truly, putting your money in the bank is a wise way of saving money, but only if you are wise enough to prevent the bank from chipping away your wealth. In saving, it is not only the benefits such as annual returns which you should consider, you should always think about the costs involved in the process.