Introduction- saving money

In today’s economy, more and more people are seeking out ways to save money

Whether it is your car, your home, or just your every-day living and spending
habits, there are real ways to conserve on cash. The average adult in the United
States has several thousands of dollars worth of credit card debt. Combined with
monthly car payments, rent or mortgage payments, and other obligations, it can
make day-to-day living tough

Fortunately, there are ways you can save money that may seem small but can
really add up over time. Being vigilant about spending money can do wonders for
your wallet. Following a few tips contained within this guide can mean more
money in your wallet at the end of each month

Miscellaneous Ways to Save money

You can save money in plenty of different ways, in almost every aspect of your life. For example, at Christmas instead of spending a ton of money on lots of expensive gifts for friends and family, make homemade cookies and put them in pretty tins. Handmade crafts or a nice picture frame with a sentimental photo are both inexpensive and thoughtful. A personal handwritten card or note is also a lovely added touch If you find yourself buying a lot of things you just don’t need like that new handbag or that flat screen television, use the thirty day rule. Come back thirty days after you look at something you’re interested in and ask yourself if you really need that expensive pair of earrings. Most likely you will find that your desires aren’t as strong after thirty days, and you may change your mind about making the purchase. Basically, every time you buy something that is considered a “fringe” purchase, think about it before you actually take the plunge. You ju...

Saving Money at Home - cash

Your home can be a real money waster without you even knowing about it. Doing a few simple things can minimize energy costs. Make sure your home is properly insulated, and you could save hundreds of dollars per year on your electric bill. Make sure all windows and doors are properly sealed. The attic and basement or crawl spaces are also all very important areas to monitor If your home is not properly insulated, cold air can get in and you will raise the temperature on the thermostat. This can cause heating bills to skyrocket. The same goes for the warmer months. Hot air comes in and cold air conditioned air escapes, making the temperature inside uncomfortable. This prompts you to crank the AC down, resulting in your unit having to work harder, which in turn costs more to operate If you decide to invest in new home appliances, be sure they are ENERGY STAR compliant. These new devices are made to ensure you get the most usage while still using the least amount of...

Conclusion - money from home

Even the small things we often take for granted can add up quickly when it comes to spending money. By looking at what we spend our money on as well as HOW we spend it, we can better assess how to save cash. These thrifty spending habits are also good lessons to pass down to our children for the future. By setting a good example and paying attention to the money we spend, future generations will understand the value of hard work and of a dollar much better. If we learn how to save energy and water, we can also contribute to saving the earth and keeping her precious resources clean Just a few simple changes to your lifestyle can add up to hundreds, maybe even thousands of dollars saved each year. Take that money and put it into a scholarship fund, or use it to help downsize some of your personal debt. Or, perhaps you can now save up for that dream vacation you’ve been waiting for No matter what you do with the extra money, it will no doubt fee...

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Daily Spending - save money

People are amazed to see how much they spend per week when they add up their day to day spending. If you’re like most people, you enjoy that trip to the coffee shop every morning or lunch out with friends. Instead of that $4 latte at Starbucks, try brewing coffee at home and bringing it to work in a travel mug. You’ll save tons of money this way and have an entire pot of coffee for about one third of the cost of one cup, maybe even less! Skip the fast food lunches and bring in a sandwich, some chips, and a cup of yogurt to work for lunch. Not only will you eat healthier, you will find that you’re saving about fifty dollars per week in lunches !For many people, it’s the splurges in life that can break the bank. Going out to the bar with friends or having a steak dinner can be fun, but it can also be quite expensive. Instead, invite friends over and have some food on the grill. Get everyone to bring in their own beer and other beverages. You will have just as muc...

Your Car - monny

Even with mass transportation such as subways and the city bus, most people still opt to commute to work using their cars. While this is convenient, it can also be costly. In addition, owning a car is an expensive venture. If you live near some coworkers, consider doing a carpool Carpools are a good way to save on gas and on wear and tear to your car. Plus it’s an excellent way to get to know your fellow coworkers. If you drive to and from work, make sure your tires are properly inflated at the factory recommended PSI. Studies have shown that underinflated tires can waste gas, and causes extra wear on your tires. By ensuring that your tires are inflated properly, you can save on gas usage and on the tires themselves While getting an oil change can sometimes be time consuming, it is absolutely imperative to the longevity of your car. Make sure you get your oil changed every few thousand miles. Most local garages offer oil change specials and have coupons i...

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