Here are great tips for saving moneys in our daily lives. Obviously, not all of these tips will apply to everyone. Just go through the list and find ten or fifteen that do apply to you and use them in your life - you’ll quickly find yourself saving some serious scratch.
1. Switch your bank accounts to a bank that respects you.
2. Turn off the television
3. Turn a critical eye to your “collections.” could you perhaps cut down on your spending on that hobby? Focus on trimming the things you don’t feel strongly about it.
4. Sign up for every free customer rewards program you can.
5. Make your own gifts instead of buying stuff from the store.
6. Master the thirty day rule. Whenever you’re considering making an unnecessary purchase, wait thirty days and then ask yourself if you still want that item.
7. Write a list before you go shopping - and stick to it.
8. Invite friends over instead of going out.
9. Instead of throwing out some damaged clothing, repair it instead.
10. Don’t spend big money entertaining your children. Make a game out of ordinary stuff around the house, like tossing pennies into a jar, even.
11. Call your credit card company and ask for a rate reduction.
12. Clean out your closet. Go through your closets and try to get rid of some of the stuff in there. You can have a yard sale with it, take it to a consignment shop, or even donate it for the tax deduction
13. Buy video games that have a lot of replay value - and don’t acquire new ones until you’ve mastered what you have.
14. Drink more water. Not only does drinking plenty of water have great health benefits, water drinking has financial benefits, too. Drink a big glass of water before each meal, and not only will you digest it better, you won’t eat as much, saving on the ol’ food bill.
15. Cut back on the convenience foods - fast foods, microwave meals, and so on.
16. Give up expensive habits, like cigarettes, alcohol, and drugs.
17. Make a quadruple batch of a casserole. 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.
18. Be diligent about turning off lights before you leave.
19. Swap books, music, and DVDs cheaply on the internet via services like PaperBackSwap.
20. Maximize yard sales.
21. Install CFL (or, even better, LED) bulbs wherever it makes sense.
22. Install a programmable thermostat.
23. Buy appliances based on reliability, not what’s cheapest at the store.
24. Clean 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.
25. Hide your credit cards.
26. Plan your meals around your grocery store’s flyer.
27. Do a price comparison - and find a cheaper grocery store.
28. Challenge yourself to try making your own things.
29. Don’t spend money just to de-stress.
30. Talk to your loved ones about what your dreams are. Set a big, audacious goal together and encourage each other to be financially fit - soon, you’ll find you’re doing it naturally and your dreams are coming closer than ever.
31. Do a “maintenance run” on your appliances.
32. Cancel unused club memberships.
33. When shopping for standard items (clothes, sports equipment, older games, etc.), start by shopping used.
34. Keep your hands clean. keep yourself from acquiring all kinds of viruses and bacteria, saving you on medical bills and medicine costs and lost productivity.
35. 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.
36. Give a gift of a service instead of an item.
37. Do holiday shopping right after the holidays.
38. Join up with a volunteer program. It’s a great way to meet new people, get some exercise, and involve yourself in a positive project that can lift your spirit. It also comes without a cost to you and can provide a lot of entertainment and a fulfilling day when you’re in the right mindset.
39. Reevaluate the stuff in the rooms in your house.
40. Try generic brands of items you buy regularly. Instead of just picking up the ordinary brand of an item you buy, try out the store brand or generic version of the item. Likely, you’ll save a few cents now, but you’ll also likely discover that the store brand is just as good as the name brand - the only difference between the two, often, is the marketing.
41. Prepare some meals at home.
42. Switch to term life insurance. Repeat after me: insurance is not an investment. Switch to term insurance instead and use that difference in cost to get yourself out of debt and start building some wealth.
43. Go for reliability and fuel efficiency when buying a car.
44. Don’t go to stores or shopping centers for entertainment.
45. Master the ten second rule. Whenever you pick up an item in order to add it to your cart or to take it to the checkout, stop for ten seconds and ask yourself why you’re buying it and whether you actually need it or not.
46. Rent out unused space in your home.
47. Create a visual reminder of your debt.
48. Get rid of unread magazine subscriptions.
49. Eat breakfast. Eating a healthy breakfast fills you up with energy for the day and also decreases your desire to eat a big lunch in the middle of the day.
50. Swap babysitting with neighbors.
51. Don’t fear leftovers - instead, jazz them up. Many people dread eating leftovers - they’re just inferior rehashes of regular meals, not exactly enjoyable to the discerning palate. However, there’s nothing cheaper than eating leftovers and with a few great techniques for making leftovers tasty, you can often end up with something surprising and quite delicious on the other end. My favorite technique? Chaining - using the leftovers as a basis for an all-new dish.
52. Go through your clothes - all of them.
53. Brown bag your lunch.
54. Learn how to dress minimally.
55. Ask for help and encouragement from your inner circle. Sit down and talk to the people you love and care about the most and ask them for help. Tell them that you’re trying to trim your spending and you’d love it if they offered any suggestions and support they might have - and pay attention to what they tell you.
56. If something’s broken, give a fair shot at repairing it yourself before replacing it or calling a repairman.
57. Keep an idea notebook in your pocket.
58. Invest in a deep freezer. A deep freezer, after the initial investment, is a great bargain. You can use it to store all sorts of bulk foods, which enables you to pay less per pound of it at the market. Even better, you can store lots of meals prepared in advance, enabling you to just go home and pop something homemade (and cheap) in the oven.
59. Look for a cheaper place to live.
60. Check out what your town’s parks and recreation board has to offer.
61. Air up your tires.
62. Start a garden.
63. Dig into your community calendar.
64. Take public transportation.
65. Cut your own hair.
66. Carpool.
67. Design your “debt snowball.” Everyone needs a plan to help them get out of debt, so sit down and plot out what debts you’re going to pay off and in what order.
68. Get a crock pot. A crock pot is perhaps the best deal on earth for reducing cooking costs in a busy family. You can just dump in your ingredients before work, put it on simmer, and dinner is done when you get home. There are countless recipes out there for all variety of foods, and every time you cook this way, you’re saving money as compared to eating out.
69. Do some basic home and auto maintenance on a regular schedule.
70. Pack food before you go on a road trip.
71. Go through your cell phone bill, look for services you don’t use, and ditch them.
72. Consolidate your student loans.
73. When buying a car, go for late model used.
74. Hit the library - hard. Don’t look at a library as just a place to get old books. Look at it as a free place to do all sorts of things. I’ve used it to learn a foreign language, meet people, use the Internet anonymously, check out movies and CDs, grab local free newspapers, and keep up on community events. Best of all, it doesn’t cost a dime.
75. Use a simple razor to shave.
76. Find daily inspiration for making intelligent moves.
77. Find out about all of the benefits of your job.
78. Make your own items instead of buying them.
79. Encourage your friends to do less expensive activities.
80. Don’t speed.
There are 20 more tips in here: the simple dollar
Great Tips for Saving Money
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