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.

    Wood Dale Chicago prom limo .. Lockport Chicago limo O’Hare
    In The News:

    Stay up to date on the latest AI technology advancements and learn about the challenges and opportunities AI presents
    Internet browsers are useful, but they can be dangerous. Clicking on malicious links can direct you to dangerous websites that steal information or infect your device.
    Apple's latest iOS update introduces advanced artificial intelligence capabilities, which may be capturing and analyzing sensitive information.
    Breach site confirmed 56,904,909 Hot Topic users' data leaked online. Tech expert Kurt “CyberGuy" Knutsson says the company's silence makes matters even worse.
    Tech expert Kurt “CyberGuy" Knutsson discusses how an innovative Easy-Way kit turns standard strollers electric, simplifying navigation for parents.
    Tech expert Kurt “CyberGuy" Knutsson talks about T-Mobile being hacked in broad cyberattack on global phone and internet companies.
    Tech expert Kurt “CyberGuy" Knutsson shows you how to add, customize and manage widgets for quick access to apps and info from your iPhone home screen.
    Wrong Google searches can not only compromise your device and personal data. They can also bring law enforcement to your doorstep. Hackers are targeting Google searches.
    China's Shanghai Kepler Robotics has developed a new humanoid robot that can carry up to 35 pounds per hand for commercial applications across various industries
    Checking your hearing has gotten easier with the new hearing test feature in AirPods Pro 2. You can take reliable hearing tests using your iPhone or iPad.
    Stay up to date on the latest AI technology advancements and learn about the challenges and opportunities AI presents now and for the future.
    Kurt "CyberGuy" Knutsson explains how a VPN — virtual private network — works and how running it can slow down the operation of your device.
    The WalkON Suit F1, an exoskeleton developed to help people with disabilities, can actually walk over to a person in a wheelchair, solving a major problem.
    ClickFix, a new scam targeting computer users, is on the rise in the U.S. The scam prompts its targets to click on a link to fix a problem.
    Skydweller is the world's largest unmanned solar-powered aircraft that can stay airborne for weeks, and even months, without refueling.
    The U.S. government said it is investigating after People's Republic of China hackers targeted commercial telecommunications service providers in the U.S.
    Stay up to date on the latest AI technology advancements and learn about the challenges and opportunities AI presents now and for the future.
    Scammers are using increasingly sophisticated ways to lure unsuspecting victims, and some are impersonating an email help desk or support team.
    You can unsend or edit your iMessages with the latest iOS updates. Kurt the CyberGuy explains how you can save yourself some potential embarrassment.
    Kurt “CyberGuy" Knutsson says there’s been a rise in cybercriminal services using hacked police and government emails to send subpoenas and data requests to U.S. companies.
    Kurt “CyberGuy" Knutsson discusses how Axiom Space and luxury designer Prada are collaborating on NASA's Artemis III spacesuit design.
    Voice assistants may cause confusion across devices. Tech expert Kurt “CyberGuy" Knutsson offers some solutions to fix it.
    Shameless scammers trick veterans into giving personal info or cash. Tech expert Kurt “CyberGuy" Knutsson explores five common scams.
    Tech expert Kurt “CyberGuy" Knutsson helps you honor our heroes with these powerful podcasts, audiobooks and documentaries this Veterans Day.

    6 Proven Wealth Building Strategies

    Building wealth is as simple as saving a little bit... Read More

    16 Mantras for Building Financial Wealth

    Everyone wants to be wealthy, but most of us do... Read More

    Financial Freedom, Is It Only A Dream or Just Steps Away?

    Almost all of us go to work everyday and do... Read More

    Living Trusts: Do They Protect Your Assets From Creditors?

    A surprising number of readers want to know "Can a... Read More

    New Year Resolutions to a Better Financial Future

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

    Investment Techniques For Creating Passive Income

    There are many wealth creation strategies and investment techniques available... Read More

    How to Make More Money

    When I was a student in London, I had a... Read More

    Investing is About Discipline

    If you don't have discipline then walk away from the... Read More

    Trustees: Who Can You Trust?

    Early in my legal career I represented two young women... Read More

    5 Easy Ways to Save and Build Wealth

    1. Pay off high-cost debt. The best investment most borrowers... Read More

    Prosperity

    An ellipsis to your success is hidden in the word... Read More

    From Debt to Financial Freedom

    The vast majority of working people are in debt. The... Read More

    Why Get Rich When You Can Be Wealthy?

    "Any fool can rich, the wise get wealthy." Chris WidenerGetting... Read More

    Lesson 1 - Why Arent You Wealthy?

    We will start the Financial Fitness System with the assumption... Read More

    Can You Be Rich? Part 1

    What does becoming rich mean to you? Is it early... Read More

    Understanding the Three Different Types of Income

    Part of learning to become financially free is to begin... Read More

    The Wealthy Mindset

    What is the difference between wealthy people and poor (even... Read More

    Trustee Fees: How Much is Enough and How Much is Too Much?

    I am often amused by the ads and offers I... Read More

    The 11 Best Money Saving Ideas of All Time - Part 1

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

    Use Feng Shui Coins To Increase Your Income

    Feng shui coins can allow you, among other things, to... Read More

    Wealth Building Strategy

    There are many of us who are working on our... Read More

    Starting With Smaller Goals First And Work Your Way Up Until You Achieve Financial Freedom

    While you need to have a lot of positive-thought and... Read More

    Who Else Wants To Know Oprahs Secrets To Wealth & Success?

    Before I had a lot of money, I was really... Read More

    Lesson 2 - The Commodity Of Kings!

    What is "The Commodity of Kings""Power is simply "the ability... 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

    Antigo wedding limo ..