In this world of technology, virtually everything is at your fingertips.  Use it effectively and it’s guaranteed that you will save time and money.

Here are a few different ideas of how technology can help you.

VoIP

Voice over Internet Protocol (VoIP) services, such as Skype, is fantastic for keeping in touch with relatives.  It allows you to have your own teleconference with anyone in the world via your computer for virtually free.  Newer computers have built-in webcams and microphone.

Pay bills online

A simple way to save money is to pay your bills online as it eliminates the need for stamp, envelopes, and any late fees if payments get lost in the mail. Many companies offer a discount if you pay online and the set-up time is minimal.  Based on an average of ten bills a month, you will save $72 postage per annum.

Excel

I love excel spreadsheets.  They are excellent for preparing budgets and keeping a track of expenditure.  Check out the excellent templates they have.  Your accountant will love you if you throw out that shoebox and have your receipts nicely summarised.

Channel Laptop?

If you have a laptop, there's a good chance you can get rid of your television entirely. Many television shows can be found online and most laptops can play DVDs. Get a TV input video card and you can even hook game systems and play games directly on your laptop.

Shop online

Something my mother was famous for driving 50 kilometres to save ten cents.  These days online shopping can save you money on your purchases, petrol and travel time. What could be more convenient?   The first stop in any purchase decision should be your computer.

Home automation system

If you are renovating or building a new home then consider the money-saving benefits of a smart home system via wireless technology.  Lights can be automatically turned off when you walk out of a room – or on when you walk in. Log onto the internet and turn appliances on with a simple click of the mouse.  Imagine pressing one button when you go to bed and having your audio, video, security, climate and lighting systems all go to a "Good Night" state. 

Phone applications

he growth of mobile phone technology is amazing and there are so many great applications that you can download on your phone to help you with things such as budgeting and time management.

Recharge

Always replacing batteries for different things around home?  They why not invest in rechargeable ones instead?

A bright idea

Install energy saving light bulbs around the house as they last up to 6 times longer than standard light bulbs and save up to 80% energy. 

BUT BEWARE ...

Criminals know how to use technology too.  Cybercrime continues to rise so make sure that you keep your personal details such as credit cards and PIN's safe.  Only use trusted, secure websites.  Anti-virus software will probably be the best use of technology to save you money and heartache!