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Database For Debt Solutions & Free Debt Advice.
Ways to Save Money
Here are some tips we compiled on ways to save
Some of them are great and easy ways while others may
require more sacrifice
or take a lot of time to payoff. And remember,
a penny saved is a penny earned.
Every step you take to save money
- Spend less money than you earn.
- Adjust your lifestyle to accommodate the
- Create a financial
budget to help you save.
- Do not use credit cards.
- If you do use credit cards, pay them down in
full each month.
- If you have a lot of credit card debt at
high rates, look into
consolidating your debt.
- Forego spending money whenever
- Stop purchasing frivolous, impulse
- Forego purchasing non-essential
- Refinance your mortgage
at a lower rate.
- Wait for things to go on sale before buying
- Don't buy anything just because it is on
- Occasionally buy generic, or non-name brand
- Wait for prices to fall before buying (this
applies especially to electronics).
- Reward yourself for saving money.
Enjoy watching your debt shrink and
your investments grow.
- Drive used cars.
- Don't eat out as much as you'd like
- Do more activities at home.
- Invest the money you save so that it earns
- Create a plan to save $100 per month (or as
much as you can).
Try never to miss the monthly savings
payment and try to find ways to
increase it to $150 per month.
- Don't ever spend money just because you have
- Stay busy - you have less time to spend
- Find an inexpensive hobby to occupy your
time and stop you from spending
- Find a hobby that you can earn money
- Stop smoking. Not only will you save money,
you will look and feel better.
- Look critically at how you spend and save
- Increase the money you earn (second job,
promotion, new job, adjust tax
- Don't try to compete with your friends and
- Don't try to compare yourself to your
friends and neighbors.
- Contribute the maximum each year to your
401K or to an IRA.
- Buy before you need it.
- Remember, paying down debt is also a way
to save money.
- Lower your cable bill by ending pay channels
or switching to satellite.
- Practice restraint.
- Be patient.
- Start saving money today!
- Don't give up!
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