One thing I did was when I was keeping a checking account and register book was every time I wrote a check I would write the amount in the register rounding up to the next dollar. Like if I wrote a check for $10.50 I would enter it into the register as $11.00.
After a year I would correct the bank register to see how much money I actually had in the account, once I went a few years not checking the balance and found I had actually saved $700. So this is a really good method thou having an interest bearing savings account is a better way to go. But if you spend what you see, this might work instead.
Also if you improve your credit score you should periodically check existing accounts to see if you can get better deals.
1. Insurance companies, you can periodically shop around to see if there are better rates. Just remember that this will cause an inquiry on the credit report - it will be a soft hit but show up for 2 years.
2. Cable - Phone companies - if you see commercials for new customer rates you should go in and point out that you are a good customer and you want the same rate you see advertised for new customers. You might take the time to shop for new companies showing lower rates. But it also depends on what exact service you are wanting.
3. Credit Card companies, you can shop around for better rate cards, or ask existing credit cards to reduce current interest rates. If you are going for a new account this can result in a hard inquiry, if you are just asking existing creditors this should just be a periodic account review - soft hit.
4. Power Companies - consumers can request levelized billing plan where payments are distributed evenly over the course of the year and then at the end any extra is billed. If you monitor what was charged and what is owed, you may find you can pay more and lessen the amount that may be owed at the end of the year. This really comes in handy for months that you just can't meet the total bill requirement.
5. If you are low income, you might find utility assistance within your community. You should be able to contact the local Public Aid office, or contact your Chamber of Commerce office.
6. I found a good web site for assistance will medication costs: www.needymeds.com If you send in an application you might get reduced cost or better yet free medication sent to you.
7. I find making a budget plan helps out a lot you can list each creditor what is owed each month, what you income totals verses your expense totals are. You might be able to see where you can cut corners and save money.
8. Shopping - check out other local grocery stores in your area and look around. Make a list of all product you buy and what prices you noticed at each store and maybe make a trip to a few different ones to save. Tip: Just because a store take coupons does not mean you are saving if the store has high prices to begin with. So you got to watch out for that when using coupons.
Hope this helps
On number 8, I find myself buying things that I don't actually need just because I have a coupon, I have to stop doing this, so I am not going to clip those coupons that I do not need.
Also, be a pal, leave the coupon that you are not gonna use on the shelf, it might help someone else out.
Thanks for your added tip, I usually look at coupons and call my mother or sister to see if they have specific need for that particular coupon.
But if I don't give them to family or friends, I will start doing that, leaving them out for others to find.
Thanks
I agree with Goodnatured about coupons. I do use them but had to stop myself from using everyone of them just because I MIGHT need the item later on down the line. More or less I actually found that I was in fact throwing out those items due to expiration.
I do like the checking account idea. I have been doing kind of the same thing. We get rewards through our bank for using credit instead of debit. Each month the award is credited to our account. I never add it in. I also will rough estimate a bill and subtract it when I get paid knowing it will be coming in soon. I usually over estimate and never add back in the extra. I just put the actual amount in quotes so I see it when I balance.
Thanks for all the tips!! :) I have a really bad habit of buying things I don't need simply because they are on sale or just a really good deal. I've gotten SO much better about this, thank God.
But I'm ALWAYS interested in hearing new tips on ways to save. Sometimes you just don't think about the obvious things on your own. :D
Sarah
saving money
Hi Chuckhamrick,
Welcome to this community :)
The best point is the one that asks you to budget. It is really very important to budget before going out to shop. It helps you save money.
Thanks,
Aaron
Nice, I never even think about this. I'm only focused on how I can pay my electricity bills by saving energy, but this open the idea that I also have to contact the company if they have some sort of billing plan. very nice. thanks!
credit
People can save alittle bit of money by throwing 'extra change' into some kind of jar, coffee can, etc. ....believe or not those 'extra' coins DO add up. Something that I personal do: IE- if I have a balance of $15.52 in my bank account, I would put $5.52 into my savings account so that the checking account balance would be an 'even' one (ending in a '0'). That seems to add up quickly and I have a bit of money for a 'rainy day'. :)
save money
On one of the above posts, I liked the palnning' of making your bank register more than the check you wrote (IE- writing a check for $10..and some cents and writing in the register as $11.00). yes...I can see how things can add up that way, too. I think the most 'simply' tips are the best ones. :)
If you're planning to save for your future, then you can start with a budget plan, try to avoid splurging your hard earned money, control the use of credit card for emergency purpose. if you keep these following points in mind.
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