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Saving money isn’t always easy! Let’s face it, gents – you’ve got a family to support and a life to lead. Putting away money in the bank every month isn’t always an option.

However, without a safety net, many guys find themselves in deep water. Should the worst happen and you lose your job, how would you support yourself and make sure your family stays afloat?

Don’t worry, as ever I’ve got you covered. In today’s article, we’re breaking out my top tips on how to save money this year.

#1 How To Avoid Over-Spending

Saving money is important, but let’s be honest – it’s not always the most fun thing to do.

It can be easy to overspend, especially when there are so many tempting things to buy. However, there are ways to save money responsibly without being too frugal and sacrificing enjoyment.

For example, one simple way to save money is to set aside 10% of your monthly wage for a rainy day. This way, you’ll have a cushion of cash to fall back on if you ever need it.

Another tip is to avoid impulse purchases. If you see something you want, wait 24 hours before buying it. This will give you time to think about whether you really need it or not.

Finally, don’t be afraid to shop around for deals. Chances are, if you like the look of something, it’ll be on sale at some point in the future. Have some patience and wait it out – who knows how much you could save if you just wait a month or two!

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#2 How To Invest In Your Future

man looking at stocks on phone

Saving money is important, but it’s not the only way to grow your wealth. Investing is another powerful tool that can help you reach your financial goals. However, before you start investing, it’s important to understand how to do it as safely as possible.

There are many different ways to invest money, but some of the most popular options include stocks, bonds, and real estate. Each option has its own risks and rewards, so it’s important to choose an investment that aligns with your financial goals and risk tolerance.

  • Investing in stocks is when you buy shares of a company: This can be a great way to grow your wealth, but it’s important to remember that stocks can also go down in value, so you could lose money if you’re not careful.
  • Bonds are essentially loans that you make to a company or government: In return for lending your money, the organization agrees to pay you interest payments over time. This is generally considered a safe investment, but it can also be less profitable than other options.
  • Real estate is when you invest in property: You’re essentially buying a building and hoping that it will increase in value over time. This can be a great way to grow your wealth, but it’s important to remember that real estate is a long-term investment and it can take years for your property to appreciate in value.
stocks on graph

One of the biggest advantages of investing is that it gives you the potential to earn a higher return than you would if you simply store your money in a savings account. However, it’s important to remember that there is also a higher risk of loss when you invest.

As such, it’s important to only invest money that you can afford to lose.

#3 What Are The Different Types Of Savings Account?

savings account on computer screen

When it comes to saving money in a dedicated savings account, there are many different options available.

For short-term savings, a regular savings account or a money market account may be the best option. These accounts typically offer low interest rates, but they also have relatively low fees and allow customers to access their money fairly easily.

For long-term savings, however, an account with a higher interest rate may be more beneficial. Certificates of deposit and certain types of investment accounts can offer higher returns on investment, but they may also have more restrictions on how the money can be accessed.

Regardless of the type of account chosen, it is important to shop around and compare interest rates before making a decision. By carefully choosing the right savings account for your needs, you can make the most of your hard-earned money in the long run.

Of course, you should always be mindful of your 401k. Saving for retirement is essential for every man, regardless of age or profession.

#4 How Can Minimizing Your Outgoings Save You Money?

streaming service on tv

We all know that one of the simplest ways to save money is to cut back on unnecessary expenses. But what exactly qualifies as an unnecessary expense?

Of course, this will vary from person to person, but there are definitely some common offenders that we can all live without.

For example, do you really need that gym membership? Could you get just as much exercise by going for a run outside or working out at home? For some guys, that’s not an option! I get it, you feel like you need the gym so keep the membership and consider other aspects of your finances that you could cut back on.

It’s easy to let subscriptions pile up – before you know it you’ve subscribed to 3 different TV streaming services and 2 different music services. Do you really need all that media in your life? You could save yourself a lot of cash by only paying for what you actually use!

If you’re honest with yourself, the answer is probably ‘no.’ So why not cancel most of them and save yourself some money?

jars of money for different outgoings

Minimizing your outgoing bills is a great way to free up some extra cash that you can then use to save for your future. You just need to be careful, don’t cancel something you actually need! This could end up costing you more in the long run if you end up exceeding a price cap or usage limit on a service you use regularly.

#5 How To Create An Effective Savings Budget

budget and phone

Many people find the task of creating a budget to be daunting. However, it’s worth learning how to do, as it can help you ensure that your finances are well-organized and that you are making the most of your income.

By following a few simple steps, it is possible to develop a budget that will help you save money and pay the bills without too much hassle.

The first step in creating a budget is to track your income and expenses for a month. This will give you a good idea of where your money is going. Simply list out your different incomes on one side of a table and then your outgoings on the other side – do the simple maths and you’ll be able to work out what you’ve got left after paying all your bills.

Once you have this information, you can begin to allocate your remaining funds into different categories, such as:

  • Savings
  • Dining Out
  • Entertainment
  • Vacations
  • Gifts

You can also use this information to set spending limits for each category. Remember, these categories are all luxuries – if you find you’re spending too much money, you can always cut back on them.

The trick is to start small and work your way up. For the first month, budget very frugally and only allow yourself the basics! That way, you’ll see what your ‘worst case scenario’ looks like, which will help you stick to a more relaxed budget in the coming months.

Want to learn more about finances? I’ve got you covered – check out my guide to money hacks you can use when shopping online.

Click here to watch the video: ‘Why I Have 35 Savings Account (And You Should Too)’

The post A Man’s Guide To Saving Money (How To Save Money Fast) appeared first on Real Men Real Style.

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By: Antonio
Title: A Man’s Guide To Saving Money (How To Save Money Fast)
Sourced From: www.realmenrealstyle.com/save-money-fast/
Published Date: Tue, 21 Jun 2022 11:59:00 +0000

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How to wear your watch correctly

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As much as you won’t like hearing this, you’re probably wearing your watch wrong.

It’s not your fault; you may have never been taught how to wear a watch properly. After all, there is more than one way to wear a watch.

But how do you know which way is the right way?

Don’t worry, gents; as always, I’ve got you covered. I’m here with the best way to wear your favorite timepiece properly and look as stylish as ever.

In today’s article, I’ll be covering:

  1. Origins Of The Wrist Watch
  2. What Wrist Do You Wear A Watch On?
  3. Should You Wear Your Watch Facing Inward Or Outward?
  4. The Stylish Way To Wear A Watch

#1 Origins Of The Wrist Watch

old watches

When it comes to wearing a watch correctly, it’s important to note why the wristwatch came about in the first place.

Dating back to the 1800s, the first watches modified to be worn on the wrist were primarily worn by women as accessories. One of the earliest was created by Patek Philippe as a fashion accessory.

At the start of the 20th century, watchmakers became intrigued about using a wrist-worn timepiece for men in the military. They believed it would help them tell time quickly while on the battlefield.

Watchmakers started modifying pocket watches to fit on a bracelet worn on the wrist. Men would not wear the first iteration of the modern wristwatch until well into the 20th century.

Then developed as a ‘trench watch’ for military use, the earliest wrist watches offered something the pocket watch didn’t have – convenience.

After the wristwatch became less of a fashion accessory and more of a functional tool, watchmakers would spend the next century modifying them into the modern wristwatches we enjoy today.

#2 What Wrist Do You Wear A Watch On?

man wears watch

The age-old question: what wrist to wear a watch on? The answer – it depends.

The reason it depends is that since the creation of the wristwatch, men have mostly worn their watch on their non-dominant wrist. And since most people are right-handed, you would wear your watch on your left wrist.

But this isn’t always the correct answer. You may want to wear your watch on the right wrist if you are left-handed. But you may also want to wear it on your dominant hand.

So how do you know for sure?

The most significant benefit of wearing your watch on your non-dominant hand is that you can quickly put the watch on and navigate the dial more efficiently than with your non-dominant hand.

Wearing your watch on your non-dominant hand is less likely to damage the watch as you tend to do more with your dominant hand. If you were to wear it on your dominant hand, you’re more likely to scratch or ding the watch than on your non-dominant hand.

So the rule of thumb here is to wear your watch on your non-dominant hand for the best way to navigate and protect your watch.

#3 Should You Wear Your Watch Facing Inward Or Outward?

watch facing inside

The next question is, why would a man wear his watch facing inward on his wrist instead of outward?

This trend is seen primarily in individuals who need to check their watch frequently and in the most efficient way possible. Among the many reasons you should wear a watch, one of the most common is to support you in your profession.

You will see men in the military do this, as it’s easier and prevents sun glare better than when it’s on the outside of the wrist. It also offers faster convenience to other tools on the watch in addition to the time.

Another reason you may want to wear your watch facing inward is that it can help protect your watch from scratches and dings. Again, this is just a preference.

But you’re a stylish guy looking for the best way to wear his watch. What should you do?

The answer here is to wear it facing outward, as that is the most common way to wear a wristwatch. It shows off your timepiece that you love while also still being functional.

Unless you’re in a profession where you need to check your watch quickly while managing other tasks, the best way is to have your watch facing outward. After all, you probably didn’t spend money on that beautiful timepiece to hide its character.

#4 The Stylish Way To Wear A Watch

stylish watch

Now it’s time to find out exactly how to wear a watch in the most stylish way a guy can.

Assuming you’ve selected the right size watch for your wrist, the first thing you want to do is figure out if you’ll be wearing your watch on your right or left wrist.

As mentioned above, traditionally, the watch is worn on your non-dominant wrist. So if you’re right-handed, this means wearing your watch on your left wrist. For left-handed guys, this means your right wrist.

After you figure that out, it’s quite easy. The first thing you want to do is locate your wrist bone.

You want to wear your watch face up just above your wrist bone. If done correctly, your watch should slightly peek out from under the cuffs of your shirt when wearing long sleeves.

Next, you want to tighten the strap so it’s loose enough to be comfortable. You don’t want it so loose it can spin freely around your wrist. You also don’t want it too tight, or it will feel uncomfortable, especially when you bend your wrist.

After doing this correctly, you’ll be wearing a watch in the most stylish way possible.

There you have it, gents.

Now you no longer have to worry about wearing your watch incorrectly.

There is more than one way to wear a watch, so find what’s most comfortable for you personally, and rock your favorite timepiece accordingly.

If you want to take your watch knowledge to the next level, check out this article I wrote about the difference between quartz and mechanical watches.

The post How To Wear A Watch The Right Way appeared first on Real Men Real Style.

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By: Antonio
Title: How To Wear A Watch The Right Way
Sourced From: www.realmenrealstyle.com/wear-watch-right-way/
Published Date: Sat, 30 Jul 2022 10:19:42 +0000

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Fall Capsule Wardrobe Preparation (Buy Now and Get $$$)

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We’ve all been there – fall comes around, and you open your closet only to find you have nothing but polos and shorts.

So what’s a stylish guy to do? Pay a premium to build an entire fall wardrobe last minute? Sure, if you’re loaded. But not every guy is that lucky!

Don’t worry; as ever, I’ve got you covered. In today’s article, I’ll show you how to get the best bang for your buck when building your fall capsule wardrobe.

We’ll be covering:

  1. What Are The Advantages Of A Capsule Wardrobe?
  2. How Do You Build A Fall Capsule Wardrobe?
  3. Where Can You Find Deals On Fall Clothing?
  4. What Are The Best Fall Capsule Wardrobe Essentials?

#1 What Are The Advantages Of A Capsule Wardrobe?

man in closet

One of the most common headaches guys run into in their closet is having too many clothing options to choose from but not enough of the right options.

While more options aren’t bad, they can be overwhelming, especially when you rarely wear most items. This is where building a capsule wardrobe comes into play.

A capsule wardrobe is a limited selection of clothing items that complement each other. This means you can buy a smaller selection of items and create a larger number of outfits.

This is crucial to understand because most guys don’t have an unlimited budget for buying clothes. A capsule wardrobe allows you to purchase and use items frequently with little redundancy.

But where do you start in building your fall capsule wardrobe?

#2 How Do You Build A Fall Capsule Wardrobe?

fall clothing items

After you have put together the perfect capsule wardrobe, you can start to add a few fall-specific items. This is done by adding a few staple pieces that complement what you already have.

For most, fall offers mild temperatures mixed with slightly warmer temperatures.

This means that layering will be of the utmost importance because you may leave the house needing a jacket, but it might be warm enough by midday to sport only the t-shirt underneath.

Start with the basics when building your fall capsule wardrobe and add pieces accordingly.

Keep It Simple

man wearing coat

Fall is primetime for layering, so you only need a few outer layers and should focus more on the innermost layers.

You want to make sure that interchangeability is at the top of your list when it comes to your wardrobe. Everything should complement each other for ease of use.

With that said, having a few staples and adding additional items as you change seasons is essential.

For this reason, ensure you have the following items in your fall capsule wardrobe:

  • A dark three-piece suit 
  • A light-colored tweed blazer
  • A leather bomber or biker jacket
  • An overcoat (dark or light)
  • A formal button-up shirt (white)
  • 2 casual button-up shirts (flannel or chambray, you choose)
  • 2 sweaters (1 shawl, 1 crew neck)
  • 2 t-shirts (1 white, 1 black,)
  • 2 pairs of Jeans (1 dark, 1 light)
  • 2 pairs of slacks/chinos (1 dark, 1 light)
  • 2 belts (1 black, 1 brown)
  • 1 pair of black dress shoes
  • 1 pair of brown oxfords (leather or suede, you decide)
  • 1 pair of sneakers (plain white or brown)
  • 1 pair of military boots (black or brown)

When it comes to accessories like watches, scarves, or gloves, you can use what you have as most men won’t need all of them, so I won’t count them in.

#3 Where Can You Find Deals On Fall Clothing?

clothing on sale

As it is the middle of summer, fall will be approaching quickly.

Now is a great time to snag up some of last year’s sale items at department stores as they usually have sales on previous season items. By now, most men aren’t thinking about what to wear in the fall.

While you still might be able to find good deals on last year’s fall items, it’s usually the most optimal time to purchase these items after the season has ended. This is when retailers try hard to clear space and make room for the next season’s clothing.

When they do this, it is a great time to get excellent deals on items that have just gone out of season.

Another great option to buy men’s clothing is online at your favorite retailers, as they will often have sales and discounts on items they have in their online inventory but are not yet in prime season.

The most expensive items in your fall capsule wardrobe are the ones you want to focus on, as you can often save a significant amount of money out of season for them.

These big ticket items include:

  • Your dark three-piece suit and blazer
  • Overcoats and jackets
  • Dress shoes and sneakers
  • Boots

These items will be some of the most expensive items and can be found discounted out of season. Put these at the forefront of your fall capsule wardrobe search.

#4 What Are The Best Fall Capsule Wardrobe Essentials?

man shopping for clothes

You want to adhere to a few staples when building your fall capsule wardrobe.

Since fall weather can vary, layering will be essential. These few items are crucial as mainstays that can be layered with other items within your wardrobe.

For example, if you experience a rather chilly day in fall and need to wear a suit, an overcoat is essential as that outermost layer because you can simply remove it when you no longer need it.

When it comes to the concept of layering within your fall capsule wardrobe, you want to make sure you nail these following items.

Overcoats

man wearing overcoat

Having a good overcoat to complement your fall capsule wardrobe is crucial.

The overcoat acts as the outermost layer and will be removed whenever you go indoors. This makes for a great option as you can wear it with anything as it offers excellent versatility.

When searching for the perfect overcoat, it’s essential to know your size as they usually come in sizes of suit jackets, not regular sizing. After you’ve nailed the size, focus on color.

Dark-colored overcoats tend to be the most versatile. However, a light camel color can work as well. Stay away from patterns with overcoats as the goal is to be as versatile as possible.

Leather Jackets

leather jackets

A good leather jacket goes a long way. You can choose a leather biker jacket or a leather bomber; it’s your call.

Biker jackets can be slightly harder to pull off as most of the time, they will have a larger and more aggressive collar, but they still look great.

A leather bomber jacket is an excellent option because it looks great on all body types and often has more options than biker jackets.

For color, opt for black or dark brown, as that gives you the most versatility with other items in your fall capsule wardrobe.

Sweaters

man wearing sweater

Sweaters are to fall, what t-shirts are for summer. This means they are a critical piece as they are season specific and offer great versatility when it comes to layering.

So how do you find the perfect sweater?

You want options, so have a couple of different collar choices to give yourself the most bang for your buck.

Having a shawl neck sweater and a crew neck sweater ensures you have all your bases covered.

Make sure you choose neutral tones such as greys, creams, and tans for color. This ensures maximum versatility with other items within your wardrobe and gives you the most options.

That’s it, gents.

To learn more about how versatile this concept of capsule wardrobes can be, check out how I turned 16 pieces of clothing into 256 outfits.

The post Preparing Your Fall Capsule Wardrobe (Buy Now And Save $$$) appeared first on Real Men Real Style.

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By: Antonio
Title: Preparing Your Fall Capsule Wardrobe (Buy Now And Save $$$)
Sourced From: www.realmenrealstyle.com/fall-capsule-wardrobe/
Published Date: Thu, 28 Jul 2022 23:59:00 +0000

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The Best Zara Fragrances

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We all know of Zara and I’m pretty sure the majority of us own at least one piece from them, but I’m not here to talk about their reasonably priced clothing, I’m here for their fragrance.

Not quite a hidden gem but I don’t feel that they vast range and high quality fragrance that they create is given enough air time, I’m about to change that. The fragrance game is massive at the moment, everyone from the big fashion houses all the way to footballers have a scent on the market and they all carry a hefty price tag, with some of the bigger hitters asking in excess of

£100 for 50ml.

Zara clearly understand the need for a great fragrance but also appreciate not everything has to be overly expensive. I’ve been lucky enough to sample my fair share over the years and wanted to share with you what I feel are some of their strongest.

Tobacco Collective 100ml – £16.99

This is one of my absolute favourites, it works perfectly as an everyday scent. The initial smell is strong and masculine but with undertones of vanilla bourbon help to soften it slightly.

4Qbk tFcSNbWj04S58 QXQsAx1NOGJ2EW5BgfYj4Ey67ulm5nUzJMLNq8HMNdkps3FThHVxZUbG2kK7VkQQIumuQtVN2 ww56QbpYBb3oo8vyL0js Gz4QeX1WHYq6r 2 t sNHgJEDHbdwuZg

For Him 100ml – £22.99

My current daily spray, its warm, modern and intense. It just so happens to be the perfect blend of three of my favourite scents, bergamot, cardamom and sandalwood. It’s strong yet light, never over powering and leaves a wonderful trail.

Florence 100ml – £16.24

Summer calls for a fresh fragrance and I cannot recommend this highly enough, its light, fresh and citrus scent is perfectly for those warmer days. Notes of black pepper, strawberry and guaiac wood allow this scent to sit gently on the skin with offending the noses of those around you.

Written by Tom Loughran

The post The Best Of Zara Fragrances first appeared on Mens Fashion Magazine.

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By: MFM
Title: The Best Of Zara Fragrances
Sourced From: www.mensfashionmagazine.com/the-best-of-zara-fragrances
Published Date: Fri, 22 Jul 2022 09:57:00 +0000

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