Money Saving Tips 36-40

For standard purchases: clothes, sports equipment, movies etc. Buy used items. Instead of buying full retail price check out thrift stores, used sports stores or even used video game stores. Lots of the time you will find what you are looking for and it will be in good shape and much cheaper then buying it new.

Do holiday shopping after the holidays. Lots of people do this already. Most times stores will have lots of product left over so take advantage. Buy Easter kits after Easter, Halloween or Christmas decorations two days after. By doing this you will stock up for next year and definitely hit some good sales.

Re-evaluate the stuff you do have. Go through each room in the house and look at each item ask yourself if you still want it or if you need it. Chances are you’ll come across items you didn’t know you had or forgot you had. By doing this you can get rid of clutter and have extra stuff to put towards a yard sale for next year.

Prepare meals at home. Get a beginners cookbook and pick out all the recipes you like then from your list pick one to cook that night. Not only do you save money from avoiding take out and convenience foods but you get some culinary skills and get to experience new recipes.

Search for reliable and fuel efficient cars. Take a look at your lifestyle just how much do you use you car? How much do you spend on gas? Chances are you spend a lot. Instead of buying a car for status or because it’s cool check out the mileage. Good mileage means less money spend on gas and more money in your wallet.

Money Saving Tips 31-35

Use your grocery store flyer to plan your meals. Look at your stores weekly flyer and plan your meals on the products that are on sale. Using those ingredients plus the ones you have on hand are sure to save you money.

Challenge yourself into making stuff at home. Many people may think that making bread at home is hard and time consuming but after awhile you will see that it is actually quite easy and much more affordable then going to the grocery store. Besides who wouldn’t want to enjoy a healthy fresh loaf of bread.

Talk about dreams with loved ones. If you all share your aspirations and work together towards one big goal chances are your dreams will come true much faster.

Cancel those unused memberships. So you have a gym pass or a country club membership but you hardly use it then you should strongly consider getting rid of it. You can save hundreds of dollars a year and if you come to the decision you really want it back then you can always reapply.

Wash your hands. Sounds simple right? You may be wondering how washing your hands can save you money. If you think about it you may realize that it’s not as far fetched as it seems by washing your hands thoroughly you are getting rid of germs which in the long run could mean less medical bills, medication costs and lost time at work.

Money Saving Tips 26-30

Hide your credit cards. Take your credit cards out of your wallet and keep it in a secure place. Keeping plastic in your wallet just makes it easier to use especially when you’re at a store being tempted by all the merchandise. If you use your card for emergencies then keep a small amount of cash on you. Don’t keep your credit cards on you unless you can avoid the temptation of using them.

Buy staples in bulk. We all have things we use regularly cleaning supplies or hygienic supplies. Instead of making trips every couple weeks buy them in bulk and you will cut down on your spending.

Avoid spending money to “de-stress”. Many of us use shopping as a way to feel better this is a terrible habit. Not only do you buy things you don’t need you spend way to much money. Instead take some quiet time. Go for a walk, exercise or even meditate.

Do a maintenance check on your appliances. Take the time to check your appliances. Check all hoses and vents to make sure there is no blockage. Also clean off any dust. This will save you money on your energy bill and you won’t have pay to replace your appliances as often.

Remove your credit card number from online. Now and days the internet is an easy and convenient way to shop but it can also be a death sentence if you don’t manage your money well. Delete your credit card information this way when your browsing stores online even if you are tempted to shop you can’t. The harder you make it to shop with your plastic the less likely you’ll want to.

Money Saving Tips 21-25

Diligently turn off the lights when you leave the house. How many times have you left the house with the lights on to run errands for a couple hours, or even just gardening in the yard. Sometimes we forget or are in a rush and don’t turn off the lights. However by taking a little extra time and effort you can save money on your electrical bill.

Look through your books, music and DVDs and swap the ones you don’t want. PaperBackSwap  allows you to trade your music, books and DVDs online. The benefit of this is you can get rid of stuff you don’t want and get an entire new collection mailed to your house.

Use yard sales to your advantage. Sometimes you can actually find useful stuff at yard sales. Another benefit is if your patiently and polite you can usually negotiate a lower price.

Buy appliances because they are reliable not because they are the cheapest in the store. You may have to shell out a little extra money then you may like but if you think about the benefits long term it is well worth it. For example buy a front end loader washer. They use less water and soap which cuts down on your energy bill and grocery bill. Spending a couple hundred dollars extra will pay off in a few months.

Regularly clean your car’s air filter. Cleaning your air filter can save you up to 7% on gas mileage which can save you over $100 for everything 10, 000 miles in an average vehicle.

Money Saving Tips 16-20

Sign up for all the free customer reward programs. You may think it’s pointless to sign up for reward programs at a store you don’t shop at often but it will eventually benefit you. Use your Gmail address and collect all the cards then consistently check that account for any extra coupons.

Use the 30 day rule. If you are thinking about making a purchase that is unnecessary wait 30 days and then ask yourself if you really want to buy it. Chances are the urge will have passed and you’ll have saved yourself lots of money.

Call your credit card company and ask them to reduce your interest rate. Every year people lose hundreds of dollars just paying the interest off their card. Take your card and call the number on the back tell them you want a reduction on your interest rate. If you don’t get through to them the first time ask to speak to a supervisor and tell them that if they won’t work with you that you will take your business elsewhere.

Clean out your closet. Go through your dressers and closet. Look for anything that you don’t wear or don’t want anymore. Then you can have a yard sale or donate it for a tax reduction. This way you will get rid of clutter and get some extra cash.

Drink more water. Not only does drinking water have health benefits it can also have financial benefits as well. Drinking water is good for your skin and digestion. It will also fill you up so if you enjoy a cup of water before your meal you’re less likely to eat as much.

Money Saving Tips 11-15

Invite your friends over instead of going out. It’s not hard to spend a lot of money when you go out to a restaurant or club. To save money invite them over to your house and have a potluck or cookout. You can play games and have a few drinks. If everyone brings a dish you can cut down on costs drastically and it won’t be long until people reciprocate and invite you to their house also.

Don’t spend tons of money entertaining your kids. This is especially true for younger children. It doesn’t take a lot to entertain young children and most won’t remember the earlier years. Create simple games like taking rubber balls and having them try to throw them into a plastic bin. Play dolls or soldiers. What your children want most is the time you spend with them.

Switch bank accounts. Your hard earned money shouldn’t be going to maintenance and service fees. Talk to your bank and see if they can switch you to an account with little or no fees or if necessary change banks.

Take the time to turn off your television. By cutting down on the amount you watch television you can save on your bill and not be exposed to all the guilt induced ads about the new products out there. Instead of watching TV go outside, read a book, or visit a friend.

Do price comparisons. Pay attention to the items you buy most frequently keep the receipts and shop for the same items at the other grocery stores around town. Then when you look at the receipts you can see where you can save the most money.

Money Saving Tips 6-10

Take a long look at your collections. Most people have something in their house they collect. Look around do you really need all those model cars or comics or whatever it is you may collect. Does it consistently bring you joy or is it more of a habit now. Look at items and get rid of duplicates or the items you no longer use. You can bring it some extra cash by getting rid of them. You can also save money in the long run and have more space.

Buy video games with replay value. Don’t just run out and buy the newest game out there just because you feel like. Instead focus on buying games that will give you playing time. Look for puzzle games or even long quest games. Then play that game until you master it. Once you do then consider looking for a new game.

Make big batches of food to store in the freezer. Maybe you don’t have to work for a few days so use that time to your advantage. Prepare big batches of chilli, stew, casseroles etc. Then not only will you have dinner for that night you can freeze what you aren’t going to eat and on a day when your family is more pressed for time you can heat the food up in the oven.

Install LED lights. When you first switch it’s going to be a little expensive but LED not only save money on your bill they last longer then regular light bulbs. Place LED lights in suitable areas since they are dimmer. Then use incandescent lights in areas where you read or do puzzles until the LEDs get better.

Install a programmable thermostat. This will regulate the temperature in your house by the schedule you set. You can make sure the heat comes on at night when everyone is home or you notice its chillier outside and you can set it so it turns off when the house is empty. This can easily cut an energy bill 10-20%.

Money Saving Tips 1-5

Today many people are trying to find ways to cut down on their spending and increase their savings the following article is about money saving tips. A series that will be posted each week. Thank you to thesimpledollar.com for great ideas.

  1. Write a grocery list and stick to it. If you go to the grocery store without a plan you will end up overspending and buying things you don’t need. Take the time to go through your cupboards and fridge to see what items you really do need. Don’t put anything in the cart that wasn’t on your list no matter how tempting that pack of cookies or bag of chips looks.
  2. Don’t throw out damaged clothing. Fix it. If you have a shirt missing a button don’t throw it out sew a new button on with thread that closely matches. If you have a shirt with a hole sew a patch on it and use it for around the house when you are doing yard work or cleaning.
  3. For holidays and special occasions make your own gifts. There are numerous ways you can be creative you can make candles or soap sets. Bake breads and cookies or even jewellery. This not only gives you a hobby but this gives your gifts a personal touch and the effort you put in shows people just how much you care.
  4. Cut back on convenience foods and take out. There is no doubt that families today are busy but by cutting down on takeout and convenience foods most families can save a couple hundred dollars a month. Figure out what you want to have throughout the week. That weekend do the prep work. Spending an hour on the weekend can cut down the time you spend in the kitchen during the week.
  5. Give up bad habits. Smoking, Gambling, and alcohol shrink your wallet fast. Try your damndest to quit not only will your body be grateful you’ll notice all the extra money you will have. Which would be great to paying down bills or to put towards your savings.

Smoking

There was a time when smoking was seen as the “cool” thing to do. Many people smoked to fit in. Others claim it’s to hard to go to a bar and drink well not lighting up. Peer pressure, and stress also apparently contribute to people’s addiction. Back in the olden days I don’t think they were aware of how bad smoking was for you. It’s amazing that so many people still smoke even now that they know that cigarettes are filled with 100’s of chemicals. Many of the substances in cigarettes have been tested and approved to be used as additives in food, no testing has been done on what happens when they are burned . Burning a cigarette creates over 4000 chemical compounds. Unfortunately, not only are smokers poisoning themselves but they are poisoning the people around them with their second hand smoke.

Smoking is known to contribute to heart attacks and stroke, lung problems including lung cancer as well as other cancers, harm to children (SIDS, miscarriages), heart and blood vessel disease and many other deadly diseases. Smoking also causes bad breath, yellow teeth, smelly clothes, and wrinkling of the skin.

Some good self-help tips for gradually quitting smoking include;
-Changing to brands with less nicotine
-Keeping records of how many cigarettes you smoke and try to beat it the next day
-Brush your teeth and notice how fresh your mouth feels
-Start exercising
-Avoid trigger situations like going to bars.
-Get a check up before quitting
-Don’t worry about weight gain
-Use the money you save to treat yourself to something nice.

If you need help to quit smoking consider some joining a support group, call help lines, or quit with a friend. Here are some websites that will provide some good online support and information on quitting smoking.


In the end the important thing to remember is that only good can come from quitting smoking. You will have more time to spend with your family, you won’t put others at risk and you will look and feel healthier.

Save Money

Today’s economy goes through many fluctuations. It is important that you are prepared and able to save money whether the market is good or bad. Here are some great money saving tips for you to consider.

Going to hair schools for your hair cuts – I realize you may think you won’t get a nice cut because they are just beginners but they do a very good job and are supervised by an actual professional. If you’re a guy and you don’t mind you can shave your head. Being a girl you can also opt for a shorter hairstyle. They are more versatile and you use less hair products.

Skip designer clothes! As a child I thought this was the hardest thing in the world and I’m sure it will get a book from your teens. What they have to realize is that just because they are wearing designer clothes doesn’t mean they are any nicer or have a higher quality. Some of my nicest clothes ended up just being regular generic brands.

Eat Healthy. Not only is it good for your waistline its good for your wallet. Cutting out take out can save your family 100’s of dollars (depending on how much you order out). Also putting money aside to buy fresh fruits and vegetables is much cheaper than buying processed food. You can still have take out but try to cut it down to one day each month. Sit down with your family and agree on what day of the month you will use and take turns picking out what restaurant you will eat at. This makes it more of a treat rather than a regular occurrence.

Cook together. Worried about having to spend more time in the kitchen rather then dining out? By getting your whole family involved in the cooking process it can cut down on the stress drastically. Sit down with your family and compare schedules have everyone cook at least one day a week, whether it’s buy themselves or with a parent. Your children can learn a great life skill and you can bond and catch up with what’s going on in their lives.

Use your library card! Library cards can pay for themselves in one visit! This gives your family an endless choice of books, movies, and music. You may not be able to keep the material but you won’t spend your money and end up not liking what you bought. Not to mention most of us will read a book and then it will collect dust on our book shelves. By going to the library your family gets out of the house and has a special outing.

Look for free activities in recreation guides. I have seen lots of these in the city. They are free booklets you can pick up at grocery stores or recreation centers. They list numerous activities from nature walks to movies at little or no charge. I remember growing up the skating rink by my house had free skating on Monday nights. It may only be one day a week but the anticipation that built up made it well worth it.

Play games. Instead of spending $50 dollars (or more if your family is bigger) have a game night. You can even play free games. Make your own pictionary boards, play charades, hangman, or X and O’s.

Carpool or walk. Many companies have carpools. They are a great option for saving money and cutting down on greenhouse gases. Gather some people together and take turns on who will be driving. You can cut the amount you spend on gas dramatically and cut down on driving during daily rush hour. If your work is close you can also walk or ride your bike in the spring and summer. You will save money, get exercise and gain an appreciation for the beautiful environment around you that you haven’t had a second thought about.