9 Tips To Help You Save Yourself From Financial Ruin

There are plenty of easy ways for you to save cash when it comes to personal finance basics

. Some are slightly more time consuming than others but in the end it is really worth the time it'd take. If you only follow one or 2 of the following tips you can save hundreds of bucks every year.

There are lots of web sites that give free samples for each day items. Often the enormous corporations like K-Mart or Petsmart have excellent opportunities for you and I to get free items. These products frequently include skin lotions and personal hygiene products to pet food or bathroom products. One other possibility is to visit a manufacturer's web site to find those free samples on newly released products. If you want something, type 'free sample' into google before you go to the store to purchase that product. This is the beginning of mastering private finance basics.

CHANGE CREDIT CARD SPENDING AND HABITS :

Credit cards can be great but also deadly. With those high IRs and monthly fees, credit cards might end up costing you a lot more in the future than you expected.

Things I remember :

- always use cash advance unless its for a huge major purchase

- always ensure you can afford the item before you employ a credit card

- be sure you can pay the remaining amount of your credit card

AVOID IMPULSE BUYS :

We all know what it's like to bump a shopping cart through the aisles of the grocery store and the moment we can the check out we 've picked up double the amount we planned to purchase. Always, always, always make a shopping list, go by it and never purchase anything that's not on your list. This goes for any sort of shopping including clothes, books or entertainment. Shops are mapped out particularly for those impulse buys with candy racks and gum within reach. Make your list, check it twice, and follow it.

SHOP THE SALE RACK :

This is another personal finance basics rule but bear in mind this isn't necessarily an impulsive buy. You've got your list and know you need a pair of pants and a shirt check the sale display before you shop. It's pretty likely you'll locate that related item on sale and pay much less than the regular price . Grocery stores work the same way. They usually over order products and sometimes run unadvertised specials on overstock items. Just be certain that item is on your list.

SAVE YOUR HARD EARNED CASH :

This is frequently the most difficult thing to do when money is tight, but it's the most critical step to take. According to the book 'The well off Barber' you must save 10 % of the money you make every week. That won't seem to be a lot but it does add up very fast and if wisely invested it will aid your retirement plans in the future.

SAVE YOUR CHANGE :

This might appear a little strange but this straightforward tip may surprise you. Why? As it's just like found money. After you come back home from any store put any coins into a jar. Each month or every couple of months count up the change, roll it up and deposit it into your deposit account or reward yourself to a well merited night out. These are the private finance bad credit loans basics you learned when you were very young.

BUY IN BULK :

We've already talked a lot about shopping but I have another shopping tip that typically applies to purchasing grocery's. Buy all you can in family packs. If you drink a lot of orange and you see that it is on sale at half price, buy 4 rather than 2 or purchase the full case of water instead of the smaller 12 pack. This can appear simple but many folks do not take advantage of bulk buys on each day items.

CLIP COUPONS :

I know this may make you feel a bit like your grand parent but this is another great way to save heaps of cash. It only takes a few minutes each week and you'll likely save hundreds of greenbacks every year on things you were already going to buy. Go thru your local newspaper or check the internet for some money saving vouchers.

RECYCLE PLASTIC BAGS :

Not only is this superb for the environment but it will put money in your pocket too! A lot of retail outlets are now making you pay as much as 10 cents for plastic bags. Possibilities are you have about a million of them hidden away in your closest already. Could not you just bring those bags when you go shopping and use them again? An alternative way to recycle and economize is to use those plastic bags from the store in your rubbish under your kitchen sink or in your lavatory. Don't spend cash every month on a pack of kitchen garbage bags when you already have them at home.

by: Daniel Millions

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