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Save Money Like A Pro With The Help Of These easy Tips


Save Money Like A Pro With The Help Of These Easy Tips
Easy Ways To Save Money

Save Money Like A Pro With The Help Of These Easy Tips

Why Saving money?

Saving money is a wise decision; since you are not just securing your future, but at the same time, you will always have a reliable source of money in any event that you need it. There are unforeseen circumstances that will force you to spend money, and the money kept from your bank account will free you from problems related to the financial crisis. You always hear people say to spend money wisely. But in reality, it's easier to say but hard to accomplished. Temptations are everywhere. Surfing the internet or going to the shopping center will empty your pockets and turn it inside out, especially if you don't have strong will power and self-control.

The axiom "mind over matter" works very well if you want to have a fat bank account. Our mind can dictate our attitude towards things, and it includes our thoughts for making savings and controlling us from unnecessary and impractical spending. It's not a sin to spend a large amount of money at times, since they are driving factors to perform well in a job or whatever you do, however, but if you're doing it almost every day, then there must be something wrong about you. People with poor self-control are prone to be caught up in this scenario.

Impulse buying is one of the greatest sins, among buyers, and again, poor self-control is the culprit for this to occur. Gaining self-control may not be achieved right away, so it takes practice and patience. Making a list before shopping is also one of the proven techniques that minimize impulse buying. It prevents you from putting all the grocery items in your cart, including the entire sale and marked down items. Buy only what is necessary, and you will realize how many dollars you were able to save by doing this. Although it may only be a small amount of money, remember that a small start will later pile up to give you a huge amount without even knowing it. Another effective way is to avoid spending your income, even before receiving it. Your Credit cards might become your evils, especially if you misuse them.

Everything starts with good self-control, and everything will just follow. Goal setting and planning are also important. Set your goal and, if possible, write them down and place it in an area where you can always see it, so you will be constantly reminded. Make sure your goals are realistic and, of course, attainable to avoid frustrations. Failure to plan means planning to fail. Decide on a reasonable monthly budget, and as much as possible, stick to that. Proper budgeting will surely allow you to set aside money for your bank account.

Saving money: steps

One doesn't think clearly when they head out to do the weekly shopping. To control costs, you have to plan your movements. Going to 5 different stores to get one item is wasting gas. Plan your moves by reviewing things like your route to and from work. If you can pick up something along the way, do so. This will stop you from making extra trips to and from the store. Also, if you can walk to the store, take your shopping cart (not a bad investment) or tote bag and leave the car at home. This saves money on gas and wear and tear on your vehicle.

One of the best things to do is to make a list of what you are going to buy. Go through your home and check the different areas of supplies or other items that you may be running low on or are completely out of. Also, decide on the menu for the week and check if you have all the ingredients for your meals. Doing these two things will save you money. Only buy what is on your list, and with a complete list, you won't need to return to the store to pick up what you forgot.

Controlling your electrical use is also a way of saving money. Set your thermostat to a temperature that will not trigger the air or heater to go on while you are not home. At least set them so that they will trigger at a higher temperature for air and lower temperature for heat. When you come home, you can make the adjustment, or if you have some automated way of controlling the environment in your home, use it.

Unplugging items that are not in use is also a good way of saving money. If you are gone from home and not using your microwave, unplug it. The same goes for the mixer or toaster etc. These appliances will suck the coin out of your pocket. I saved about fifteen dollars a month once I learned this trick. Think about it; fifteen dollars a month is one hundred and eighty dollars a year. After ten years, that is a savings of eighteen hundred dollars. I would rather have that money in my pocket than in the pocket of the Electric Company. Other things, such as not being in a room, turn off the lights, radio, etc.

When shopping tries out the generic items, they can save you a lot of money. The Ninety-Nine Cents store is excellent for buying toiletries and paper products, as well as some other things such as hand creams, shaving items, etc. One should also seek Wal-mart or Costco, the big retail stores that have much lower prices on most items. These stores can save you lots of money, better in your pocket than is someone else's. For example, I bought four post-it pads for a dollar, if one went to staples, it would cost three dollars or more. Use coupons when you can. If you don't get the weekly papers or shopping guides, check the internet for coupons on the item you want to purchase. You can also check the internet for Web Discounts. Most retail stores have websites that you can purchase the same item for a lot less.

You can also buy cards for Birthday's, Anniversary and other events for work or family at a huge discount. Having these cards on hand will save you a lot of money as opposed to buying a card for every single event. You can save even more on holiday cards if you buy them off-season at a discount store.

One time I bought some deli meat, and it has a dollar off coupon for your next purchase, I bought two of the item and the next time I saved two dollars. The item was worth about two dollars, so now I bought two more for one dollar each. The total cost for the four items was eight dollars. My average cost was a dollar and fifty cents. This was on an item that cost three dollars plus at any other market. My actual savings was more than six dollars had I been buying this item at a regular store.
 Find banks that do not charge fees for regular checking can save you five to ten dollars a month, it adds up after a year or so. Also, ensure that the bank doesn't charge debit card fees, that is another saver.

There is something to be said about having cash on hand as well. Some stores will charge a surcharge if you use a debit or credit card. I always make sure that if I am going to one of these outlets that I pay cash. This saves you money from paying a premium for the item you are purchasing.

As mentioned above, the internet is also a great source of savings. You can compare the prices of different items to many vendors. One thing I did find is that if you look for it, you will find a discount somewhere. You may have to wait a bit to receive your item, but then again, most places offer free shipping if above a certain purchase level. This also saves you from driving or taking a bus or train to the shop. Note that these online discounters, in some cases, also accept internet coupons for even more savings.

Unless you are good at doing math in your head, bring a calculator with you. Quite a few times, I found that buying a single item was less than buying a pack of single items. I recall that I was buying a dozen eggs they were selling for one dollar and twelve cents. That comes to sixteen cents an egg; meanwhile, there were the eighteen eggs for three dollars and sixty cents, which is twenty cents per egg. I bought two dozen eggs for two dollars and twenty-four cents. I saved a dollar and thirty-six cents and had a half-dozen more eggs. It may have been a mistake, but I have capitalized on these multiple amounts of times. This is why you must pay attention to what the sales are and look at the single item price versus the multiple item prices. Being an educated shopper will help save money and move one closer to your financial goals.

Let's talk about clothing. The best time to shop for those suits or dresses for going out, work, or special occasions is to wait and purchase them during a holiday sale; also, what works is buying off-season. This is another strategy to use in controlling and economizing your costs. When spring and summer are arriving, that is the time to buy your fall and winter clothes. In most stores, these items will be marked down since they're not in season. The same goes for buying spring and summer clothing during the winter months. Holiday Sales is the other time to really buy clothing; Labor Day, Memorial Day, and Independence Day are good for sales.

Looking for a new vehicle, the best time is at the end of the year. On December 31st late afternoon is when you can get the best deal. Salespeople are looking at their quota and commission for the end of the year. This is when Salespeople are motivated (including the managers) to make sales and are willing to knock the price down to make that sale (don't get greedy, that won't work).

This gives one the idea that they can save money on just about everything. Look for the sales, coupons, price levels, and fees on your everyday things. Even your utilities one can save money, such as internet connections. It pays to learn, such as expanding your internet connection without paying more. There are ways of increasing your internet speed by doing simple things on your computer. Look at choices between phone companies and their plans, Cable TV bundles, etc.

The main point here is to ensure that you stay on budget and controlling costs will get you in control. Ensure that no purchases are made out of the family budget that will set you back. You can control costs; all you have to do is pay attention. Make it everyone's responsibility to control cost and give rewards for savings, such as a dinner out or a movie, but not both we don't want to screw the budget with too much celebration.



Summary:


For some of us, the act of saving money can be a hard task, and we, therefore, choose to live a day at a time; that tomorrow will take care of itself. Others do not want to leave their fate in the wind and want to have more control over their financial future. If you belong in the second group, you should know that it can be easy to save money in painless ways. Please keep reading to find out how.

  •  Make Use of a Piggy Bank

 You might think that piggy banks are only for kids. You could not be more wrong. There are adult piggy banks available in the market for people like you. Get one for yourself. Whenever you have spare change after shopping for household items like groceries, make a point of depositing this little money into the piggy bank. You would be pleasantly surprised at how quickly this can accumulate and use it to buy a gift for a friend or for those unexpected expenses that crop up.

  •  Eat Out Less

 You would be surprised at how expensive eating out at restaurants regularly actually is. It might not sound like much, but in the long run, you will be flushing good money down the drain. Get into the habit of eating at home more. If you are in a marriage situation and both work, you could work out who makes meals when. Also, you could carry leftovers for lunch to work and save even more money.

  •  Do Your Shopping in Bulk and Whenever There is a Sale

 Always carry a shopping list and stick to it so that you do not buy something you had not planned to. If you can, purchase non-perishable products in bulk and enjoy a discount. Also, many shops periodically sell their products on sale. Take advantage of this and buy it at this time. You are likely to enjoy huge discounts.

  •  Take Care of Bills When They Are Due

 Penalties on late payment of bills are an unnecessary way to lose money. Whenever you can, always make sure that you pay your utility bills on time to avoid being surcharged. These penalty charges may not appear much, but it is quite a bit when this happens regularly. This is money that could be saved and used more productively.

  •  Switch Off Power When Not in Use

 Reduce your electric consumption by switching off lights and other power appliances that no one is using. This will reduce your bill considerably and save you some cash.
 When followed diligently, these tips could save you money that can then be used for other things. And they are not difficult to implement.

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