Ways to Save Money
Here are some tips we compiled on ways to save
money.
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
helps!
- Spend less money than you earn.
- Adjust your lifestyle to accommodate the
first rule.
- 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
possible.
- Stop purchasing frivolous, impulse
items.
- Forego purchasing non-essential
items.
- Refinance your mortgage
at a lower rate.
- Wait for things to go on sale before buying
them.
- Don't buy anything just because it is on
sale.
- Occasionally buy generic, or non-name brand
merchandise.
- 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
to.
- Do more activities at home.
- Invest the money you save so that it earns
money too.
- 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
it.
- Stay busy - you have less time to spend
money.
- Find an inexpensive hobby to occupy your
time and stop you from spending
money.
- Find a hobby that you can earn money
doing.
- Stop smoking. Not only will you save money,
you will look and feel better.
- Look critically at how you spend and save
your money.
- Increase the money you earn (second job,
promotion, new job, adjust tax
withholdings, etc.)
- Don't try to compete with your friends and
neighbors.
- 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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