Name Something 6 Year Olds Get Away With You Cannot How to Save Money – 6 Things You Can Do Right Now

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How to Save Money – 6 Things You Can Do Right Now

Have you seen the news recently? There seem to be more and more issues with the national economy, the mortgage crisis and big businesses and their businesses collapsing around them. It is a risk for me to say that you are the only one that you can depend on financially now and in the future. If you’re living paycheck to paycheck like the rest of us, you should, no, you need to buckle down now so you have something put away for retirement. Small changes in everyday life can have a big impact over the years to come.

1. Purchase of food

This can lead to significant savings. When you go to the grocery store, there are ways you can save money.

  • Check your paper for coupons and use them religiously
  • Plan your trip and grocery list before you leave home
  • Items you use regularly are usually cheaper in bulk or larger quantities
  • choose generic products instead of brand name
  • Check expiration dates on perishable items when you’re at the grocery store

When you get home with your groceries and put them away, make sure you keep the bags, paper or plastic. Plastic bags are good for lining waste baskets and paper bags are useful for disposal and craft projects. You are using a free product and you just saved a lot of money.

2. Your debts and accounts

The shorter the length of time you owe credit card debt, the more you’ll save in the long run. You may not be able to pay them all off completely, but the more you can pay off, the less interest you will have to face. And if you’re late on any bill you’ll get hit with late fees too. Some people find it beneficial to bank online and have recurring payments taken out of their accounts – you never have to worry about being late because you forgot. However, with recurring payments you need to be very aware of the status of your account so that funds are always available as banks want to hit you with fees for insufficient funds.

3. Entertainment

Instead of going out to a movie, consider going to your local movie store and renting. When you add up the costs of the cinema it is amazing! The movie ticket, the popcorn and candy, the drink. Bring home a movie, pop your own popcorn and get your own drinks will save you a lot of money over time. If you really want that time out for a movie theater, try to go to the earlier showings because they are usually cheaper. You might also consider your local library, they can rent books, music, even movies – and they’re free!

Maybe your routine is to hit the fast food place down the street from work every day. Try replacing a few of these meals a week with a brown bag lunch. You will definitely save on food costs and you will save the gas needed to drive to the fast food restaurant. You know you hate those lines in the drive through – find a place around work where you can relax and enjoy your bag lunch.

Going out for fun doesn’t always have to cost you. Recreational areas offer free walking or cycling routes and provide opportunities for regular exercise. After all, with all the money you’re saving, you want to be healthy enough to enjoy it down the road!

4. Alternatives to full price

Many times you can get results for less with a little research. One great marketplace that offers great savings is eBay. There are thousands of people selling everyday items that you can get for cheaper than what you could pay to sell. Not only can you buy items on eBay, you can also easily set up an account and sell your own items to make money. Online shopping can save you on almost anything. The competition is great and you can choose the web store that gives you the best deal, and may even mean reduced or no shipping.

You can also find great deals from the classified ads section of the paper. Find out where the garage sales in your area are this weekend and find amazing bargains on the things you’re looking for.

5. A gift

When you’re thinking about what to get that special someone, a great alternative to mall shopping is to make them something. Everyone has a talent in one area or another, and even if you have to buy the material to make something, you will still save money. You usually have leftover items that can be used for another gift down the road. Handmade gifts are much more personal and let the receiver know that they came from the heart.

6. Saving around the home

There are many ways to save money around the house. Get the whole family on board and save.

  • Turn off unnecessary lights
  • Lower your thermostat a few degrees
  • Use low energy light bulbs
  • turn off your computer when not in use
  • Hang clothes to dry instead of using the dryer
  • Buy energy efficient appliances
  • Make sure all windows and doors have good seals to prevent heat loss

Many companies today focus on energy efficiency and their products are readily available. Make sure your whole family is aware of how to save money around the house, so everyone is involved. It’s a great incentive to let them know that the extra savings from participating can add up and lead to special purchases and trips.

You will have to make an effort to save money, but by doing so, you will see the fruits of your labor. Be aware of what you can do in your life to save money, and stick to them. You won’t see huge savings overnight, but over time, the savings will be huge.

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