Tips To Save Money
Tips To Save Money
Tips To Save Money
We all know we have to save it. However, few of us escaped. Why? Because there are too many competing priorities for money in our lives. However, you can save more of those shopping for a situation that is sure to come, your children's college, the house and your retirement. You do not think you have enough money. You may think you are living paycheck to paycheck, nothing is left after meeting their expenses. You may think you have to earn more money that they have enough money to save.
It is true that the economy is not a question of mathematics. This is an emotional one. When you make saving a priority, then and only then will you save money. Before you decide to pay yourself first, you will not be saved. By the time you get to the end of the money will not be enough left over for you. Here are some quick tips on how to save money.
Tip # 1 - Know where your money goes
Keep track of what you spend the next month. Write down every purchase, or receipt of the request. But at the end of the month, your task is to account for every penny.
Tip # 2 - Get control of your debt
Unsecured credit card debt and car loans are the two biggest drains on personal finance. Adopt the attitude that if you pay money for it, you do not. Stop using your credit cards and paying high interest rates on things you probably do not need anyway. Stop buying new cars on credit, that they would lose their value when you drive them a lot. Use the snowball method to get out of debt and then stay out!
Tip # 3 - Are you a collector?
Many people spend the money collecting things. Maybe you collect records, books, antiques, coins, dolls ... look at their collections. Do they have any real value (for a limited amount of high demand), they are one of thousands with no real resale value? Do you have duplicates? Do you buy more than you enjoy?
Tip # 4 - Review your gift giving budget
Or buy expensive presents a huge list of friends and relatives? Can you do something, instead of perhaps even more meaning to the person receiving the gift? Sometimes, for consumption, home gift for someone whose home is cluttered and including the notes will be the best gift they receive.
Tip # 5 - Use the "sleep on it" rule
Prior to conducting a major purchase (most of the people that are nothing more than $ 300, but your personal limit would be higher or lower), sleep on it. Why do you think the seller is trying so hard to close the deal before you go to the store? They know that if you have time to think about it, you may decide that you really do not need to buy now. So, go home and sleep on it. If you're still really in the morning to buy is the right thing to do, then go ahead and do it (assuming you are not prejudiced Tip # 2 using a credit card or otherwise going further into debt!).
Tip # 6 - Always write a grocery list before shopping
Shop with a list and not buy anything that is not listed. Much research has gone into the shop shows the building to get buyers to make those impulse purchases. If you stick to your list, you are not prey to the marketing ploy. Another good way to shop is to use a package approach. When you can speak and write a check for cash in the amount of your shopping in the pay period and put it in an envelope. When the envelope is empty, you stop buying groceries until the next payday when you can fill the envelope.
Tip # 7 - Throw Party
No, I do not mean all-out, expensive affair. But instead of coming out to dinner, why not invite some of your friends instead. You can even ask them to bring their favorite potluck dish and a meal. You can discuss a good book or watch the $ 1 Redbox rental. Fun can still be fun, but it is not expensive.
Tip # 8 - "de-clutter
Go through your closets and cupboards, and sort through your clothes. If you're like most people, you have the clothes to be mended, clothing, and the need to throw away clothes that no longer suits you or if you just do not like anymore. Aside the actual repair and mend it but do not replace it. Clothes do not want anymore can be sold in yard sales, which have been taken to the consignment shop, or even to sacrifice the goodwill tax deduction (just ask them on your bill).
Tip # 9 - Buy used
Not everything has to be purchased new. Does your washing machine break down? You can get a used one from your local appliance store for $ 75th Does your son go through the video-game day? Buy used from Hastings or your local video game store. You can also buy pre-owned movies from your local store or from your nearest Redbox outlet. Never, ever buy a new car. It will lose thousands of dollars of its value during the first couple of years. Let someone else take the hit, buy used.
Tip # 10 - Cut back to comfort food
It's pretty easy to cook in bulk and freeze the leftovers to create your own "convenience foods". You can take these to work with you to save the $ 6 - $ 9 a fast food lunch account. It is worth to mention, the food you prepare at home will probably be a lot healthier than what you buy from your local fast food restaurant.
These are just a few tips to help you find ways to save money. But remember, unless the economy is becoming a priority for you, it will never happen. So, starting today, even if you save just a little bit. Make a habit of saving, and you'll be amazed at how quickly your savings account grow.
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