Have you logged in to play any fun online casino games recently? There are a plethora of phone apps and websites that make it possible for you to virtually gamble. Even better news, you’ll save money by not hitting the actual casino.

The actual travel time behind going to the casino is something to take into consideration. If you are traveling a long way, say taking a flight to Vegas, the casino trip can get costly. You have to factor in the price of the airplane ticket, cost of food once you are there, money to gamble, and other miscellaneous costs.

All of that being said, there’s no wonder as to why an online casino may be appealing. You can play wherever you are, and you can still play the same games available at the brick-and-mortar location.

You save money in other ways too!

Many online casinos also offer promo codes and special offers to new and existing members. For instance, some online casinos will offer you a perk if you pay with your credit card. Others may give you cash or virtual money for referring a friend. Whatever the case may be, there are more ways to earn and save money with online casinos.

Check out this Cherry Casino bonus offer. This online casino is just one of many offering great perks for registering a new account. They are currently offering a 100% match of your first deposit (up to £25). Getting your bonus is pretty easy. All you need to do is enter the voucher code after you’ve registered your account. Then you get FREE money!

Before signing up for any online casino, it is important to check the site’s terms and conditions. Each site differs. For instance, the site above only requires £10 to sign up. Other may require a higher dollar amount to establish your online casino account. Some may also require a monthly deposit. So, as always, read the fine print.

Online casinos are still a relatively new thing. Many sites are still establishing rules and various promotions. In the years to come, don’t be surprised if you see them rise in popularity. For many, it will be a great way to make extra cash without having to spend any money on the trip they’d normally take to get there.

Lastly, remember to gamble responsibly. If you think you may have a problem with gambling, reach out for help!

Most of us find it hard to save money nowadays, but the reality is that fewer have even made the attempt. The usual excuse is there is not much left after the monthly expenses have taken their toll on meager earnings. It’s a fair argument. But I’m sure we can learn to be creative with our spending and lifestyle in order to put hard earned cash back into our pockets. Wonga has recently revealed survey findings which show sadly that too many South Africans lack sufficient financial skills necessary to manage their money properly and adequately. Here are some interesting tips to get the ball rolling:

Food

• When you can’t afford to buy a roast but long for a roast dinner, buy a few slices of roast beef from your butcher, make your own gravy and veggies and you have a yummy roast dinner at a fraction of the cost.
• Recycle and revamp your leftovers into a pie. The meat and veg from your Sunday roast can be transformed with a simple lid of pastry and some sauce or gravy. Money saved R60 July 2012
• Skip the supermarket pricey cheat ingredients and readymade sauces and cook your meals from scratch. Money saved R20 July 2012
• Buy a whole chicken instead of breast fillets and you’ll have enough for two meals. Roast your chicken for 1 meal and then use the carcass to make a delicious stock. There’ll be plenty of flakes of meat left to create a soup. Make it a meal by adding potatoes and veggies or noodles for an Asian twist.
• Don’t forget to look at the lower shelves when you’re in the supermarket. Supermarket own-label goods offer the same quality as brands, often for about a third of the cost.
• Look for boxes of meat off cuts. They’re not just as neat as other cuts but are much cheaper. You can usually pick up a lamb box in supermarkets for less.

Electricity

• Save electricity by boiling water and keeping it in a flask instead of re-boiling the kettle several times a day.

Washing

• Washing powder has become so expensive. I put a large cake of Sunlight soap in an empty two-litre ice cream container and slowly pour a kettle of boiling water over it until the container is almost full. I close it and when it’s cooled, the soap turns into a nice thick gel. I use about a cupful of this for one bundle of washing. It works really well and the soap can be reused – just keep filling the container with boiling water.

Clothing

• Tired of your old wardrobe but too broke to shop? Organise a clothes swap party by getting friends to bring and exchange five items they never wear. You’ll rid your cupboard of those guilt-ridden outfits you never wear and score a few new ones for yourself!

Shopping

• Very few people who shop monthly get every item they need, so they still end up going to the cafe. And if your family is undisciplined, you’ll go through those 10 cans of tuna you got on special by the end of the first week. You may find then that weekly shopping is cheaper especially if you plan each week carefully and don’t buy ‘extras’. You’ll also benefit from weekly specials.
• Before buying your weekly groceries sit down with your family and discuss what kind they would like to eat during that week. Many people opt to buy a large variety of food so they can decide on the day what to prepare but with this method, a lot of fresh items go unused and end up in the bin.
• Supermarkets tend to have sales on food items in the middle of the month. Try doing your grocery shopping around the 15th of each month and you’re bound to save.
• If you buy your milk and other groceries between Sunday and Thursday, you’ll get a better deal, because that’s when most of the stores have their weekend specials.
• You can haggle. While retail giants are a no-no for this, if it’s not a big store with barcodes on products, feel free to say ‘I love it, but not the price’. Wait to see what they say but, if the stand-off goes beyond your comfort zone, try an offer of 15% off when buying for cash. This should help ease the deal a bit.
• Sticking one price label over another is actually illegal.
• Make sure you read the labels for expiry dates and contents, just in case you’re allergic to anything.
• Keep your till slips, regardless of the product bought, so that you have proof of when you bought the item, where you bought it and the price charged.
• Did you know that bread baked on the premises of a store is supposed to weigh at least 800g? And that, in most places, the bread weighs only between 680g and 700g.
• If a 1lt sachet of milk doesn’t weigh at least 1kg, then it’s not 1lt of milk.
• Try to buy fresh chicken, rather than frozen, because you’ll pay between R2 and R5 more for the frozen product.
• Try and equate everything to 1kg, and you’ll establish more or less what kind of value for money you’re getting.

The goal remember is to find ways in which you can reduce your overall spend on a monthly basis. See if you can think of other creative ways to hammer down unnecessary spending in your home. For more money saving tips check out the Massive Money Saver blog post.

Understanding the ins and outs of a life insurance policy can be quite frustrating. If this is your first time looking into life insurance, you might not be familiar with many of the terms and phrases used when talking about life insurance. By learning these terms, you’ll be able to choose the right policy for you without any hesitation. One of the first terms you might come across is “rider.”

A rider is an add-on to any standard life insurance policy that lets you exclude or include certain types of coverage. This lets you create coverage that meets your exact needs. For example, if you have a terminal illness and need money to pay for your care, you can choose an accelerated death benefit rider that will give you a payout while you’re still alive. Another term you might hear thrown around is the Declaration Page (or DEC). This is the first page of any contract and will outline your policy number, costs, and coverage limits.

Double indemnity is when your insurer pays double when certain conditions are met, such as dying in an accident. Finally, the insuring agreement is a binding promise from the insurer to pay after your death, and the mode of premium payment is how often you make payments. If these terms are confusing to you, keep in mind that life insurance from HealthIQ is always transparent and easy to understand. Want to test your policy-reading skills? Take the quiz below and see how well you fare.

Life insurance always seems like a problem for an older generation, but then one day you wake up to realize that you’re no longer a 20-something and you should probably think what happens next. Covering yourself against the future is a bit scary the first time around, but that protection brings about a priceless peace of mind. You owe it to your family to make sure they’re taken care of, even though you don’t want to think about all the things that could happen. You can’t hide your head in the sand forever.

Maybe you can’t currently afford a whole life insurance policy. That’s not a problem. Find a term policy that suits your needs for now. Later on, you can convert to whole life without going through all the rigamarole of signing up for new coverage. There are various other ways to lock in a monthly premium that fits your budget. The money you pay now isn’t nearly as important as what comes after you pass. You don’t want to think about death, but it’s inevitable. Deciding what happens afterward is essential. Don’t leave behind any unfinished business.

Health IQ explains the vocabulary of this necessary step into adulthood. You need to name someone as a beneficiary to your worldly possessions, including your finances and your home. Remember that, as with any other type of insurance, you can shop for different policies and compare rates, premiums, and coverage. Always read the fine print so that neither you nor your loved ones are unpleasantly surprised by unexpected clauses.

About Health IQ

Health IQ’s mission is to improve the health of the world by celebrating the health conscious through financial rewards. Health IQ delivers better rates and underwriting, and was recently featured in sites such as CNBC, Venturebeat, and TechCrunch.  and partners with top-rated insurance carriers such as SBLI, Ameritas Life Insurance Corp. and Assurity Life Insurance Company, and reinsurer partner Swiss Re to offer health conscious people between 4 and 33 percent lower rates on life insurance. Founded in 2013 by a team of health conscious entrepreneurs, the company is a licensed life insurance company in all 50 states and has helped tens of thousands of individuals secure a total of $5.3 billion in insurance coverage.

When you’re applying for life insurance, insurers will take into account many different factors about you as an individual before determining your rates. These might include your age, health and medical history, gender, whether or not you smoke, lifestyle, and driving record. However, did you know that your family medical history can also play a role in how much your premium will be? Medical issues in your family are a sign that you could have a greater likelihood of disease or early death. In fact, many insurers raise premiums if you have a family member that died before the age of 65 that was caused by health problems.

There are many different diseases that can be passed down from parent to child. In some cases, diseases can even skip a generation. For example, your grandparent might have had cardiovascular disease, but your parent has a healthy heart. If you develop an arrhythmia sometime in your life, this could be because you have the gene for it from your grandparent. Generally, insurers don’t go all the way back to grandparents when searching for medical history. However, they might look at the health of your siblings to see what possible health problems you might develop.

It’s important to be honest about your family history while applying for insurance quote life insurance from Health IQ. Otherwise, your policy can be cancelled immediately and without notice if it’s revealed that you lied. If you don’t have a family history because you were adopted or never knew your parents, you will probably still be able to get insurance, but you’ll have to confer directly with the company to see its policy.

About Health IQ

Health IQ’s mission is to improve the health of the world by celebrating the health conscious through financial rewards. Health IQ delivers better rates and underwriting, and was recently featured in sites such as CNBC, Venturebeat, and TechCrunch.  and partners with top-rated insurance carriers such as SBLI, Ameritas Life Insurance Corp. and Assurity Life Insurance Company, and reinsurer partner Swiss Re to offer health conscious people between 4 and 33 percent lower rates on life insurance. Founded in 2013 by a team of health conscious entrepreneurs, the company is a licensed life insurance company in all 50 states and has helped tens of thousands of individuals secure a total of $5.3 billion in insurance coverage.