Saving Money - 35 Pieces of Advice to Save

There are only 2 ways to grow your wealth - Increase your income (by earning more and saving more) or decrease your costs.

Here are a few money saving ideas that everyone can put in place:

  • Don't use your credit cards if at all possible. Pay cash and use credit cards only for convenience or emergencies.
  • Don't have more than $25 in your wallet at any time so you are not tempted to buy on impulse. If you have to think about going a long way to find an ATM machine you will probably lose the desire to buy.
  • Take your lunch to work rather than going to caf?s or food halls.
  • If you are going to the supermarket make sure you have a list and try and stick to it.
  • If you can pay your mortgage every fortnight rather than every month then you can save yourself a lot.
  • If your child is one and growing quickly don't buy expensive clothes. They will outgrow the clothes quickly and you would have purchased them at a high price.
  • If you smoke, give up. The damage to your health is reason enough but also the damage to your wallet.
  • Don't buy at the end of the year, wait for the new years sales.
  • Don't always buy brand items. Sometimes cheaper brands are just as good and much cheaper.
  • Save money on your heating and cooling costs by keeping doors and windows closed. Turn your thermostat down.
  • If you are a person that is good at planning, buy some of your Christmas presents at sale time and keep them until next season.
  • Don't forget to use coupons.
  • When you are flying watch out for specials that come through the airlines and then buy these seats before the seats go.
  • Watch out for electricity usage. Often all the lights in the house when that is not necessary. Switch off.
  • Watch your car repairs. It is better to get someone skilled and honest to look after your repairs who will not overcharge.
  • Watch your bank fees. Bank fees can grow considerably over the years so be aware of how much you are charged for certain transactions and then make appropriate arrangements.
  • Don't allow your credit cards to get too high. Make sure that you clear your credit cards each month of you can.
  • When you take out a car loan, make sure you take one out that doesn't have a penalty if you repay it early.
  • Refinance your mortgage if the rates are more beneficial. Sometime look at consolidation of your debts into one and then stick to a plan of paying them off.
  • If you are moving into a new area it is best to rent first before you buy. This will give you time to familiarize yourself with the area and decide on where you want to live and the prices of the properties etc. It is often a trap to buy too quickly.
  • When you buy a home, the greater amount of your savings and the greater growth of your value will come in the price that you pay. This is especially so in areas where the property values don't grow very much. Your biggest saving will be if you are able to negotiate a good price early.
  • Don't let the family finances cause you problems. Give the children a certain amount per week in an allowance and don't change it from that.
  • Don't look on your shopping as a chance for you to spend and spend. Have a plan.
  • Remember advertised items are not necessarily the cheapest. Watch for unadvertised specials. Remember to ask for a rain check if an item is totally sold out.
  • Try not to shop on paydays.
  • Just because an item is on sale, doesn't mean it is a good buy.
  • Buy only what you and your family need rather than what is on special.
  • If you can afford it, stock up when prices are low.
  • Don't forget to try alternative places to shop. Try thrift stores, consignment shops, warehouse sales, garage sales, markets.
  • Shop alone. Other people will only help fill your shopping cart (especially your partner).
  • Know your prices. Keep a price book if you have to.
  • Watch out for fancy packaging. You don't pay money for it ?you pay money for what is inside.
  • Remember the rule of three. If an item has three different ways that it can be used then you are generally not wasting your money.
  • Always watch when the sales person rings your purchases. Always check the receipt to make sure the calculation is correct.
  • When going shopping, leave the credit cards and checks at home if you can. Take out some cash to use and once you reach your limit - that's it.

  • Copyright 2005 StartRunGrow
    http://www.startrungrow.com

    StartRunGrow (http://www.startrungrow.com) is a global online information organization that specializes in creating, developing and marketing business help information specifically with the aim of "making business easier" for entrepreneurs around the world. The StartRunGrow objective is to become a dominant player in the business help arena providing end to end solutions for the millions of small and medium businesses worldwide who continue to struggle daily with the difficulties of starting, running and growing a successful business.

    executive chauffeured services Bradford .. Madison to Airport car
    In The News:

    Getting virus alerts on your iPhone? Tech expert Kurt “CyberGuy" Knutsson helps you learn how to handle fake scam alerts and boost security.
    Tech expert Kurt “CyberGuy" Knutsson says opening emails is safe, but risks arise from interacting with links, attachments or HTML content.
    Tech expert Kurt “CyberGuy" Knutsson reveals four signs of compromised Social Security numbers and offers five steps to protect yourself.
    Tech expert Kurt “CyberGuy" Knutsson discusses how MAB Robotics' Honey Badger 4.0, a versatile robot, now walks underwater with amphibious skills.
    An updated Android trojan called FakeCall hijacks bank calls. Tech expert Kurt “CyberGuy" Knutsson says Android phone manufacturers and Google need to step up their game on security.
    The Massimo Modular E9 is a sleek, smart and comfy tiny home in 409 square feet. Tech expert Kurt “CyberGuy" Knutsson takes a closer look at what the future of housing might look like.
    Every stock trader should consider a virtual private network to safeguard their trading, according to tech guru Kurt "CyberGuy" Knutsson.
    Apple recently announced its new lineup of Macs and rolled out Apple Intelligence, its latest artificial intelligence-powered feature for its products.
    A Swiss-engineered robot can climb ladders, showing why it's at the cutting edge of autonomous robotic solutions for harsh industrial settings.
    Kurt "CyberGuy" Knutsson presents the cities targeted most by robocalls, why this is happening and what you can do about it to protect your privacy.
    Stay up to date on the latest AI technology advancements and learn about the challenges and opportunities AI presents
    Kurt "CyberGuy" Knutsson shares tips and suggestions for how to get the best use out of the updated Calendar app available with the latest iOS update.
    Your Social Security number, your unique identifier used for many purposes, has likely been leaked on the Dark Web; here are some steps you can take to protect yourself.
    Researchers have developed a new technology that creates strong, sticky fibers capable of lifting objects and capturing things from a distance.
    Smart rings track the same things that smartwatches do, including steps, sleep and a general overview of your overall health, and they tend have more battery life than smartwatches.
    Researchers have developed a robotic finger that can perform routine medical exams like those conducted by doctors, helping to address the growing shortage of trained professionals.
    Stay up to date on the latest AI technology advancements and learn about the challenges and opportunities AI presents now and for the future.
    Insurance administrative services company Landmark Admin reported that a data breach from a May cyberattack affected over 800,000 people.
    Sotheby's will auction the first artwork created by Ai-Da, the world's first robot artist created in 2019 by British gallerist Aidan Meller.
    More than 250 million users of the Verizon Messages app will have to switch to another app. Verizon is shutting down Messages in the next month.
    Tech expert Kurt “CyberGuy" Knutsson provides a list of 10 celebrities who are the most targeted by deepfake scams, including Tom Hanks.
    Tech expert Kurt “CyberGuy" Knutsson discusses how Vast's Haven-1, launching in 2025, transforms space living with human-centric design.
    UnitedHealth confirms over 100 million Change Healthcare users had their data stolen. Kurt “CyberGuy" Knutsson reveals what happened and what caused the breach.
    Tech expert Kurt “CyberGuy" Knutsson explains how iOS 18 brings new text formatting and animated effects to the Messages app.
    Whether you're a social media veteran or novice, Facebook friend request scams are common. Kurt the CyberGuy provides tips to keep your account safe.

    Building Wealth by Paying Yourself First

    When I look around at all of my friends, and... Read More

    7 Power Habits that Build Financial Independence

    Financial independence is having the freedom to support yourself through... Read More

    Your Own Products Can Make You Rich

    Although there are advantages to selling other people`s products and... Read More

    Wealth And Your Net Worth

    Most people know it's important to keep and organize all... Read More

    Anthony Robbins 12 Reasons Why People Dont Get Wealthy

    According to Wallace Wattles, in his popular wealth treatise called... Read More

    Still Using Federal Reserve Notes?(How to Beat Inflation)

    "My people are destroyed for lack of knowledge." Hosea 4:6... Read More

    Simple Strategies to Making Financial Gain

    Now is a great time to make it a habit... Read More

    Top 7 Ways To Get Rich

    Want to be one of the lucky ones on the... Read More

    Wealth Management, Wealth Protection, and Tax Planning

    U.S. Supreme Justice Louis D. Brandeis"I live in Alexandria Virginia.... Read More

    The Top 10 Steps to Becoming a Millionaire

    There is perhaps no more important decision than to take... Read More

    New Year Resolutions to a Better Financial Future

    There could not be a better time to mull over... Read More

    The Predicament of the Newly Rich

    They are the object of thinly disguised envy. They are... Read More

    How to Have MORE Fun With YOUR Tax Refund in 2005

    I counsel a LOT of people about money. I see... Read More

    The 11 Best Money Saving Ideas of All Time - Part 3

    At any time in history, no matter what the current... Read More

    The Old Monied Dupont Nemours and Roosevelt Families Buy a Tax Haven

    This 4,000 acre sale (now a marina and resort town... Read More

    Money Mastery

    Money can be your servant or it can be your... Read More

    Money Myths Of The Poor

    From tender age, we were exposed to myths about money... Read More

    The Financial Equation that Will Set You Free!

    I have a good friend who works in an area... Read More

    Is Your Money Keeping Up With Inflation?

    In today's unpredictable global economy, you obviously never know what... Read More

    Simple Tips on Saving

    Simple tips on saving can very often make quite a... Read More

    Create Tax Savings And Transfer Wealth To Your Child With A Roth IRA

    Parents must give serious thought to protecting their family through... Read More

    Increase Your Business with a New Old Method: Vaastu Shastra

    Whether an established conglomerate or a fledgling company, a business... Read More

    Why You Need To Buy and Sell Gold Coins (Part 4)

    Top Investment PerformanceThroughout history, many coin collections have produced substantial... Read More

    Uncle Sams Snake Oild

    Uncle Sam and his band of merry-men, better known as... Read More

    It Adds Up

    Loose change that is, if you want a easy way... Read More

    O'Hare Chicago prom limo ..