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Advise For Life–Money Saving Tips

Advice for Life

Money Saving Tips

b2ap3_thumbnail_Piggy-BankWe could all use a few extra bucks in our pockets. Here are 10 tips to help you find more money in the pockets of your jeans when you take them out of the dryer.

1. Don’t spend a lot of money entertaining your children. Most children, especially young ones, can be entertained very cheaply. Make games out of ordinary things around the house, give them some big boxes from a local appliance store or just take them to a park. Realize that what your children want most of all is your time, not your stuff, and you’ll find money in your pocket and joy in your heart.

2. Invite friends over instead of going out. Almost every activity at home is less expensive than going out. Invite some friends over and have a cookout or have everyone bring a favorite dish, then play a game or cards and have a few drinks. Everyone will have fun, the cost will be low, and the others will likely reciprocate not long afterwards.

3. Call your credit card company and ask for a rate reduction. Call the number on the back of your credit card and tell them that you want an interest rate reduction or you’ll cancel your card. If the first person you talk to won’t do it, ask to talk to a supervisor. If this doesn’t work, shop other credit cards for better rates. If you have a $5,000 balance, even a 3% rate reduction saves you $150 a year.

4. Make large batches of casseroles. Casseroles are nice, easy dishes to prepare, but on busy nights, it’s often still easier to just order some take-out or eat out or just plop a prepackaged meal in the oven. Instead, the next time you make a casserole, make four batches of it and put the other three in the freezer. Then, the next time you need a quick meal for the family, grab one of those batches and just heat it up. This also allows you to buy the ingredients in bulk, making each casserole cheaper than it would be ordinarily – and far, far cheaper than eating out or trying a prepackaged meal.

5. Clean or replace your car’s air filter. A clean air filter can improve your gas mileage by up to 7%, saving you more than $100 for every 10,000 miles you drive in an average vehicle. Plus, cleaning your air filter is easy to do in just a few minutes – just follow the instructions in your automobile’s manual and you’re good to go. When it gets too dirty to clean, simply replace it yourself, which is very easy, instead of paying your mechanic to do it.

6. Shop at the cheapest grocery store. Most of us get in a routine of shopping at the same grocery store, even though quite often it’s not the one that offers the best deals on our most common purchases. An easy way to compare prices is to keep track of the twenty or so things you buy most often, then shop for these items at a variety of stores. Eventually, one store will come out on top for your purchases – just make that one your regular shopping destination and you’ll automatically save money.

7. Remove your credit card numbers from your online accounts. It’s easy to spend online when you have your card information stored in an account – just click and buy. The best way to break this habit is to simply delete your card from the account. That way, when you’re tempted to spend, you’ll be forced to spend the time to dig out your card – and really think about why you’re spending this money.

8. Brown bag your lunch. Instead of going out to lunch at work, take your own lunch. With some thoughtful preparation and just a few minutes of time, you can create something enjoyable and healthy for your lunch and save a lot of money in the process.

9. Go to the library – often. A library is a place to do all sorts of things- for free! Use it to learn a foreign language, meet people, check out movies and CDs, grab local free newspapers, and keep up on community events. Best of all, it doesn’t cost a cent.

10. Carpool. Is there anyone that lives near you who works at or near the same place that you do? Why not ride together, alternating drivers each day or week? Everyone in the carpool will reduce the wear and tear and gas costs for their vehicles and you will all have friendly companions to chat with to and from work.

 

The above information is reproduced (with permission) from Life Answers Back.com.  Every few weeks I share some of their content with you so you, too, can benefit from one of the best sites on the internet.  Here’s a link, if you’re interested in taking a look.  Obviously, I highly recommend it.

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