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Tips On Saving Money

17 Dec 2009

17 Dec, 2009  Cell Phone Comparison

Do you always worry about money? Are you always playing catch up with your bills? Here are some tips on saving money in case you are one of the millions of Americans who are struggling with some type of debt:

CREDIT CARDS

Pay your credit card balances in full each month.

Do not use credit card for things like groceries or dining. If you cannot afford to pay cash for it, you can’t afford it, period.

Always review your credit card monthly statement to make sure charges you never make do not appear.

BANKING

Do business with a bank that does not charge monthly services fee.

Use only ATM machines that are affiliate with your bank.

INSURANCE

Review your medical coverage and auto insurance policy.

Shop around for cheaper rates and see if you can save money by getting higher deductibles.

SHOPPING

Do major comparison shop and only buy when you have found the lowest price possible for that item.

Clip coupons.

Take advantage of rebates or shop at store that offer instant rebates.

Go to discount stores for toys and clothes.

Eliminate impulsive purchases by “sleeping on it.” Especially when buying clothes or any major purchase.

Garage sales are also know to be a good choice on certain items you need.

TELEPHONE

Cancel call waiting, caller ID, and three way calling from your telephone.

Shop around for the best long distance carrier.

Use phone cards to call international or long distance.

Use your cell phone only for emergencies.

ELECTRICITY, GAS, WATER

Cut down your water use, especially hot water.

Lower your thermostat by 1 or 2 degrees.

Add ceiling fens.

FOOD AND BEVERAGES

Buy you soft drinks by the 12 pack instead of vending machines or fast food drinks. That will save you a lot and you’ll also avoid the bacteria.

Brew you own coffee instead of going to a fancy coffee house.

Avoid eating out. Put the money in a fund for saved money or apply that to a bill.

When eating out order water instead of drinks. When you are free of debt you can celebrate.

ENTERTAINMENT

Don’t subscribe to cable channels you don’t watch. Stick to the basic plan or cut out the cable for a while.

Rent videos instead of going to the theater or, if you must, go to the matinee instead of evening showings.

Check out DVD or VHS movies from the library. It’s free.

G.l. Bycz
http://www.articlesbase.com/finance-articles/tips-on-saving-money-103507.html

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9 Responses

  1. caz

    2009 Dec 17 1

    Money saving tips please when moving out for the first time on my own ?
    hi there i got my own place it just got to have some paint and carpoets put down. and i got to buy a lot of things like freege freezer micowave toast kettle you now lots of things do you have some saving money tips for this and how i can save some money at each month? hope to get some good tips

  2. Miss Typo!

    2009 Dec 17 2

    compare prices on everything and always go for the best prices.

    theres lots of websites that compare everything from toasters to gas bills.
    References :

  3. WelshLad

    2009 Dec 17 3

    http://www.moneysavingexpert.com
    References :

  4. Thirty.Three

    2009 Dec 17 4

    Debtfreeliving.com

    Congrats!
    References :

  5. N.B. Jones

    2009 Dec 17 5

    Go to freecycle.org, sign up on a list in your area, and ask for things you need, and look for offers from people.

    Also check the "free" listings on Craigslist.
    References :
    http://www.freecycle.org
    http://www.craigslist.org

  6. Timothy H

    2009 Dec 17 6

    we brought ours form aurgos with 9 months intrest free!
    References :

  7. spring_rainbows

    2009 Dec 17 7

    Look on ebay for small electrical products, you’ll find brand new products that were returned to the shops because of damaged boxes or a slight fault that will ahve been repaird etc. also check your local free paper for bigger items. You can get a decent fridge freezer for under £100. Look around, you don’t always need to buy new. Plus you can always update things once your settled and have a little more money.
    Use a comparison site for getting the best deals on gas and electric.

    Remember to make sure you inform the council that you have moved in so you can set up payment for council tax, there a pain in the a** if you fall behind. After 3 missed months they expect payment in full so make sure you save yourself time and money by making council tax your priority after rent and food.

    Set yourself a budget for things like food and shop in the evenings when supermarkets discount fresh produce, fruit and veg as well as things like meat and bread etc.

    Pay your bills buy direct debit, you will save yourself late payment fees if you should forget as well as now most businesses especially phone companies and gas companies charge you if you pay in any other way the direct debit. It’s usually only about £5 a month but times that by the 3 or 4 bills you’ll have and you’ve already saved £20 a month.

    Only use washing machines after 7pm as this is when the cost of electricity is a third of what it would be during the day.
    References :

  8. New Dad

    2009 Dec 17 8

    Check out Savvy Shoopers. Review and compare prices on electrical goods.
    References :
    http://www.savvyshoppers.co.uk/

  9. LadyDPak

    2009 Dec 17 9

    Are you from England? If so, then I would suggest car boot sales, or even better, http://www.gumtree.com/
    Go to the Stuff For Sale section wherever you happen to live, it’s like a giant online garage sale.
    References :


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