पैसा बचाओ Save Money - Paisa Bachao

More Fuel Saving Tips

2007-12-10T07:57:00.000+05:30

Regardless of the car, the fuel consumption depends on how it is driven and the traffic conditions. Listed below are some of the main fuel consumption killers:

Cold Engine : It needs about 10 to 15 minutes before your engine is really efficient. So if your car does short 5-minute trips to the market, bank, school, fiends, etc., your engine never gets warm enough and your fuel consumption may go up by up to 50%.
Driving at high engine speeds : If you rev up your engine and drive at high speeds in each gear, you wil lget the thrill of fast driving but will have to pay a price for it. Conversely if you keep the engine at moderate speeds your fuel consumption will be much better but driving at very low speeds may also cause knocking and shorten engine life.
Too many stops and starts : Driving in traffic is fuel consumption killer with idling at red lights or when stuck in traffic. If you spend 10 minutes idling on a 30-minutes trip, your fuel consumption may double.
Bad Roads : These can combine the impact of too many stops with the need to use high engine speeds in low gears to get moving so it can ruin your fuel consumption.
The weight of the car : All modern engines are quite fuel-efficient but the weight of the car is a major factor. A ligher car naturally consumes less fuel than a havier car. Most modern cars meeting current crash safety requirements are heavier than earlier models and so use more fuel. But this is a small price to pay for safety.
Engine tuning and timing :Most modern engines with Sequential Electronic Fuel Injection (SEFI) and other electronic engine management systems need very little tuning unlike the old carburettors, but the nozzles and injectors do need to be claend especially thanks to dirty or adultrated fuel that is sometimes encountered. So get your car serviced regularly by your authorised dealer.
Air, oil and fuel filters : Choked filters can play havoc with fuel consumption, so ensure that these are regularly serviced and and changed when they are dirty or clogged.

The fuel consumption figures under test conditions assume nearly perfect conditions on a flat one km run, so do not expect figures reported in tests to apply in city conditions, where it may be out by 25% or more.

Buy the most fuel-efficient car you can find, but understand the causes of high level consumption and you can make your vehicle even more fuel-efficient.

(Based on an advertisement by Ford Car Company in India)

Use CFL to Save Electricity

2007-11-04T16:43:00.000+05:30

Yes, switch to CFL and save Electricity and save on Electricity Bills.

CFL Technology enables us to be more energy efficient.

CFL has many advantage -

CFL is four times more efficient
CFL lasts upto 10 times longer than incandescents
Use 50-80% less energy than incandescents
Use 1/3 electricity and lasts upto 10 times as longs as incandescents
Single 18 watt CFL used in place of 75 watt incandescents saves about 570 KWH over its lifetime
replacing single incandescents bulbs with CFL keep out half-tomme of CO2 out of the atmosphere
Saving electricity by CFL reduces CO2 emissions, sulfur oxide and high-level nuclear waste
Newer CFLs give a warm, inviting light instead of the "cool white" light of older fluorescents
CFL uses rare earth phophors for excellent colour and warmth
New electronically ballasted CFLs don't flickr or hum
CFLs can be applied nearly anywhere that incandescents are used.

Save Energy for benefit of Self and Nation

Dont' be Shopaholic

2007-10-09T22:25:00.000+05:30

Are you a Shopaholic? Do you spend more on just shopping only? Whenever you see something new in a shop, you are forced by 'consuming passion' to purchase it? Is you closet full of things you don't need? if yes, then you are a Shopaholic.

You are spending too much if you are a shopaholic. So to save money you need to control yourself.

Don't buy something to please yourself : There may be an inner call to shop something so that you may be happy, and instead if surrendering to this urge, talk to someone who matters to you, makes you laugh, take a walk or relax at home watching an old film.
Don't buy things you never use : Shopping is an addiction, so shopaholic are unable to control their impulses. Try to ask your self, Do you really want this thing?

Make friends who are wisely spending and give an ear to their tips.

Subscribe to Save Money

2007-09-24T08:02:00.000+05:30

I have seen that annual subscription is the best way to save money. Most of us read one or two magazines and purchase it from magazine vendors. Normally most of the magazine give huge discount on annual subscription of such magazines. Discount incereases on the time span of the sbuscription. Heaviest discount is given on 3 years and 5 years subscription. Some magazines even give some gifts alongwith the discounts on the news stand rates. So, in my opinion one should subscribe the magazines to read to save money rather than purchaing it from news stand.

Cash Withdrawal on Credit Card is Costly

2007-08-26T17:29:00.000+05:30

Credit card can be used in many ways, some of them are to avoided at the maximum level. Knowledge of what should not be done is essential for the purpose of avoiding heavy charges that are likely to be levied on the credit card. One area that need attention is that of cash withdrawal on the card.

Most people fail to understand the cost involved the cost in withdrawal cash on a credit card. When you withdraw money on credit card, then a some charges are levied.

Cash withdrawal on a credit card is expensive and should be
done in an emergency only

Cash on a credit card should be withdrawn only in emergency. That is also the reason why there are two major types of expenses that will be incurred on the transaction. Whenever you withdraw cash from an ATM, there is a transaction fee that wil be levied. This fee is calculated at a certain rate, ususally at 2% to 2.5% of the amount withdrawn. If the rate is 2.5% and the amount withdrawn is Rs 20000/-, then an immediate charge of Rs.500/- will come into play.

One thing that has to be understoold that there will be a minimum charge that will be applicable. This could be something like Rs.250-300 and hence a small withdraw will result in a larger hit as far as the precentage calculation is considered. Even those who know about this fail to realise that there is another expense that is already on the way.

This is the expense related to the finance carge, which is normally payable when the payment is delayed and is also known as the interest charges. Credit cards now have the feature or the condition wherein the charge will be applicable from the date of making the withdrawal and applicable thill the time of full payment.

Under a normal expenditure on a credit card there is a credit period available during which there is no interest charged if the payment is made by the stipulated time. But that is not possible for a cash withdrawal.

This means that the bill starts ticking the moment the cash is withdrawn and more important is the time period till which the interest will continue. One has to read the wordings for this carefully because if it says interest till the time of full payment, then even if there is a part payment then the charges will continue untill the entire amount withdrawn as cash will be paid back to the credit card company.

(with help from an article by Arnav Pandya in HT dated Aug 21, 07)

101 ways to save money.

2006-11-20T15:53:00.000+05:30

101 Ways To Save Money!!!

Recently while surfing the Internet I come a very nice collection of 101 point for how to Save Money. So i want to share this information with you.

Visit 101 Ways To Save Money page and see if you can apply the points and save money.
Cheers!!

Small Tip for Saving Money

2006-09-02T16:14:00.000+05:30

Take a packed lunch to work instead of ordering a meal. A home-made lunch is clean, healthy and nutritious and saves more than just money. It also keeps your weight in check. Supplement your savings by walking to work, at least a small part of the distance and save on conveyance. Combine these two saving strategies and you have a workable weight loss plan on hand.

Its Sale and Discount Time!!

2006-07-05T17:17:00.000+05:30

It is a half yearly Sale season in India.

All the big brands in India arenow giving around 50% discount in garment industry. Brands like

Raymond's Parx, Park Avenue, Color Plus
Koutons
TQS
Cantabil

are giving discount. Grab this opprotuinity and purchase your cloths right.

How to make your cooking gas last longer?

2006-06-27T17:15:00.000+05:30

Organise your cooking :Prepare all the ingredients and keep them ready for cooking. This means you can cook rapidly. If you have to stop cooking for a short while shut off the gas. It's cheaper to light another match.
The family that eats together saves gas : If you have to heat food just once, it means less waste. Reheated food is also less nutritious.
A gas burner has two positions - use them :Once you bring a liquid to boil or the food becomes hot you can keep it hot by using the simmer position hereby saving a lot of gas. Because at the simmer position gas flows out at only 1/4 to 1/3 the full rate. Try it out and see.
The colour and height of the flame are very important :If the flame is blue in colour, everything is fine. If the outlet holes are blocked and the flame is yellow, have the stove checked by a mechanic. The flame should never extend beyond the bottom of the pan. This saves gas and makes sure the food is cooked properly, especially if there is liquid inside the pan or vessel.

Cooking Fuel/Gas Saving Tips

2006-06-27T17:11:00.000+05:30

Some Tips on conservation of fuel:

Organise your cooking. Keep all ingredients ready for cooking. This will help you cook rapidly and thus save gas.
If you have to stop cooking for a short while, shut off the gas. After all, it's cheaper to light another match.
Use as little liquid as possible when cooking - surplus water requires more heating and therefore more gas is used than is necessary.
Match the burner to the vessel. Use a small vessel on a small burner. A large burner consumes 15 percent more gas.
Cover the vessel while cooking. A cover helps prevent the steam from escaping. This means quicker cooking. A cover also helps retain the aroma of the food.
The family that eats together saves gas. If you have to heat food just once, it means less waste. Reheated food is also less nutritious.

Power Saving in Household Electricity Items

2006-06-23T10:19:00.000+05:30

REFRIGERATOR

Do you know that there are chances that your Refrigerator/s account for 25% of your electricity energy usage. The condenser coils behind or underneath your refrigerator help it get rid of the heat it takes out of the food compartment. When dust builds up on the coils they don't work as efficiently, so the motor has to work much harder. Make sure the refrigerator is not up against an outside facing wall.

Keep the fridge as full as possible.
Make sure that the refrigerator is not placed against outside facing wall or walls exposed to the direct sunlight.
Keep your refrigerator and freezer at the right temperature. If they are only 2-3 degrees colder than necessary, your energy consumption may go up by approx. 25 %.
Cleanout beneath and behind the fridge every month or so, for better air flow & cleaning of dust deposits to get better heat transfer.
Make sure the door is sealed tightly. If it's not, you're wasting energy.
Do not put uncovered liquids in the refrigerator. The liquids give off vapors that add to the compressor workload.
Allow hot food to cool off before putting it in the refrigerator.
Plan ahead and remove all ingredients for each meal at one time.
If your fridge is over 10 years old, consider getting a new one.

OVENS / MICROVEN

A typical home uses 200-700 kilo Watt-hours per year with its oven. To become more energy efficient with your range/oven, follow these tips:

Test the thermostat in your oven to be sure it measures temperatures accurately.
Every time you open your oven door during cooking, you lose 5 to 7 degrees or more.
Microwaves use around 50% less energy than conventional ovens: they're most efficient for small portions or defrosting.
Check the seal on your oven door to see if there are cracks or tears in it
Develop the habit of "lids-on" cooking to permit lower temperature settings.
Keep reflector pans beneath stovetop heating elements bright and clean.
Carefully measure water used for cooking to avoid having to heat more than is needed.
Begin cooking on highest heat until liquid begins to boil. Then lower the heat control settings and allow food to simmer until fully cooked.
Cook as much of the meal in the oven at one time as possible.
Rearrange oven shelves before turning your oven on - and don't peek at food in the oven! Every time you open the oven door, 4°-5° C is lost.
There is no need to preheat the oven for broiling or roasting.
When preheating an oven for baking, time the preheat period carefully. Five to eight minutes should be sufficient.
Use your microwave oven whenever possible, as it draws less than half the power of its conventional oven counterpart and cooks for a much shorter amount of time.
For large items, stove-top cooking is most efficient, especially with gas.

WASHING MACHINES

Washing machines can account for as much as 20 % of the electricity you use.
Use Cold water, as almost 90 % of the energy consumed by washing machines goes to heating the water. Set the washing machine temperature to cold or warm and the rinse temperature to cold as often as possible.
Each wash cycle uses upto 60 to 90 liters of water. Use washing machine on full load and plan washing periodicity to save on water too.
Follow detergent instructions carefully. Adding too much detergent actually hampers effective washing action and may require more energy in the form of extra rinses.
Wash only full loads of clothing- but do not overload machine. Sort laundry and schedule washes so that a complete job can be done with a few cycles of the machine carrying its full capacity, rather than a greater number of cycles with light loads.
Soak or pre-wash the cloths for effective cleaning.

AIR CONDITIONING

To cool your house efficiently, you air conditioner has to be cool itself. So try to keep it in the shade. An air conditioner exposed to direct sunlight uses 5 percent more energy than a shaded one. If your air conditioner is already in the sun, you can build a simple shade screen for it.
Don't block the air flow at the back of the Air Conditioner.
Don't switch your air conditioner thermostat to a colder setting when you first turn it on. It won't cool your home any faster and it will waste energy when you forget to turn it back up.
Minimize the amount of direct heat entering your home by pulling shades and curtains on hot days.
Have your air conditioning unit checked every 6 months. If the Freon level is not correct, you will waste a lot of energy and your home will never be as cool as you want it.
Every time you open a door you're letting in new air that needs to be de-humidified, thus making your air conditioner work much harder. Set the temperature as high as possible while still being comfortable.
Set your thermostat to as high as comfort permits, may be a few degrees higher. When the weather is mild, turn off the AC and open the windows. You can use combination of AC with ceiling fan Ceiling fans consume as little energy as a 60 watt bulb. Ceiling fans are often used instead of air conditioning, but it's not necessarily one or the other. Fans produce air currents that carry heat away from the skin, so even air conditioned rooms feel cooler when one is running. Ceiling fans save energy in reverse as this pushes warm air caught near the ceiling down to where you can feel it.
Close your blinds and curtains during the hottest part of the day.
Close cooling vents in unused rooms and keep doors to unused rooms closed.
Check and clean or replace air filters every month.
Clean the outside condenser coil once a year.

Electircity (Power) conservatation in House

2006-06-21T15:33:00.000+05:30

For Individual Flats

With the changing attitudes of people all over the world about energy conservation, we'd like to present some energy saving tips for you to consider. Keeping in mind that your comfort at home is a high priority, these tips and little known facts are a way not only to help you lower your energy bills, but at the same time keep you comfortable in your own home. Where can you best save power in a household? Lighting alone accounts for over nine percent of the annual power consumption. If we follow a few simple tips the power consumption can actually come down by approx. 20 percent.”

Clean the dust accumulated on lamps, bulbs, tube lights and fans. Clean your light fixtures regularly.
Use dim light (low wattage lamps) in Galleries, Lobbies, Balconies and bathrooms.
Turn off lights when leaving a room.
Do not shut and open the door of the refrigerator frequently. More electricity is used in doing so.
Do not keep TV, tape recorder and music system in standby mode. Power switch of these should be off when not in use to save electricity. The TV set consumes over five percent of the total power consumption. If you turn off the TV set instead of leaving it on stand-by, you save up to 70 kilowatt hours per year.
Make maximum use of sunlight during the day. You may not need artificial lights like bulbs and tubes during the day. Drapes or curtains on windows & doors are to be drawn apart during day time, for natural light to reduce need for electrical lights inside the home.
Geysers consume the maximum amount of electricity. Use them to heat only that amount of water that is required. Thermostat can be set to a lower temperature i.e. 45 to 50 degrees.
Reduce the usage of lifts. Do not allow children to play with elevators.
Provide task lighting over desks (i.e. Table Lamps for reading) etc., so that activities can be carried on without illuminating entire rooms.
If possible, put lamps in corners of rooms, where they can reflect light from two wall surfaces instead of one.
Use compact fluorescent bulbs in fixtures that are on for more than two hours a day. Compact fluorescent bulbs will give an incandescent bulb's warm, soft light, while using up to 75 percent less electricity. They also last about 10 times longer. Typically, a 23-watt compact fluorescent bulb can replace a 90- or 100-watt incandescent bulb.
Use dimmable bulbs wherever possible.
Children are advised to study in one room and with individual low voltage table lamps, which provides sufficient illumination for reading. Advise them to switch off the individual lamps. Children to utilize morning hours & broad day Sun light for studies, rather than burning mid-night lamps in its verbatim sense.

Fuel Saving Tips

2006-06-20T15:23:00.000+05:30

The recent fuel price hiking by Indian government is surely be pinching you pocket like never before. It is like fuel is burning out in our pockets first rather than in our vehicles.There are many ways by which you can save cost of commuting and let others also know this information, so that everybody can be able to save fuel cost. Try out these simple tips to make each drop last longer:

Drive between 45-55 km/hr to get up to 40 % extra milage. The faster you go, the more wind resistance you vehicle faces and more petrol you waste.
Avoid accelerating or decelerating unnecessary.
Tune your car regularly. You can save as much as 6% of your fule expenses by turning you car regularly.
Use bi-metalic spark plugs to save over 1.5 percent fule and
Get your car serviced at every 5000 KM.
Drive in the correct gear. Incorrect gear shifting can lead to as much as 20% increase in fuel consumption.
Always start your car in the first gear unless you are in muddy patch or going downlhill.
Don't wait for your car to warm up. Instead, drive in low gear with low speed till the engine warms up. Use choke briefly only if necessary.
At 10 degree Centigrade and below, the fuel consumption per kilomtere doubles if you make trip of 5 kms or less.
Stop-and-Go driving wastes fuel. When you slam on the brakes, a lot of useful energy is wasted in the form of heat. Try and anticipate stops.
Check wheel alignment at regular intervals.
Keep your foot off the clutch. Use it only when you change gears as it causese loss of energy and damage clutch-linings.
Always use your handbrake when you stop on a slope and don't forget to release it while restarting.
Don't manupulate the clutch and accelerator to stay stationary as it wastes fuel.
Clean air filter regularly to prevent the dust from spoiling the engine.
Watch the type pressure. Under-inflated tyre increase rolling resistance leading to higher petrol consumption.
User redial tyre for 3-7 % fuel economy, longer tyre life and greater riding comfort.
Switch off the engine at stops of over 2 minutes.
Use the recomended grade of oil given in the car manual for your vehicle.
To get more milage from each litre of petrol, take a less congested route, even though slightly longer. Fuel consumption in a highly congested road can be double the normal.
Avoid unnecessary loads as they increase fule consumption. A reduction of weight by 50 Kg can lead up to 2% saving in fuel.
Instead of filling petrol at short intervals, tank up to cut the cost of pulling into and out of petrol pumps every day.
Always park you car in shade. It minimises vapourisation of petrol.
Go for car pools to share the cost of your fuel consumption.

visit PCRA website

Save Money to Earn Money

2006-06-17T13:24:00.000+05:30

As it is wisely said that save a paisa is earn a paisa. Here are some common points by which, if followed, a good amount of money can be saved.

If going for shopping, never go empty stomach. It will save your temptation for eating out after shopping.
Never shop with credit card. Go for shopping only with cash.
Do not over strech your cash limit, even if shopekkper is giving you on credit.
Do not masquarade on every sell advertisement.
Study the item before purchasing.
Generally Big stores give genuine reduction on cost in their annual sell. Wait for thier annual sell.