ere are 20 tips for saving money. If your goal is to buy the things you need while living on a tight budget then this is the list for you.
Make a shopping list, adding to it each day of the week. When you get your coupons in the newspaper match them to the list. Buy the sale items in bulk.
Planning a wedding? If so consider using Facebook to help pay for the expenses. When you have an account with SmartyPig you can post your wedding expense goals on Facebook. Your Facebook friends can contribute to the wedding expense fund right from Facebook - whether they belong to SmartyPig or not.
No matter what the season, unless you have a brand new home or an extremely energy efficient home you can probably save money with a home energy audit
Cut's down on wasted heat and air-conditioning by allowing you to automatically lower and raise the temperature according to when you are home and the time of day.
Here is an easy way to save 20 percent or more on your gasoline bill. Just keep your tires inflated so your car doesn't have to work as hard.
Stop spending money on things that you don't really want or need. Merchandisers prey on people who are compulsive. Try to stick to a list.
Depending who you work for this can be a big one. Some employers have big deals with insurance, restaurants, clothiers ...you name it. Check with your HR department to see if your company has any discounts available.
For many it is almost impossible to save without defined savings goals. It's best if the contributions are made via direct deposit right from your paycheck.
If you tend to carry a balance on your credit cards - then credit cards are probably not a good choice. Use cash instead and avoid the interest charges.
Vices can cost a pretty penny. Cut back or eliminate as many as possible to save money.
I check mine every month and almost every month I find someone who has mis-billed me in some way. This potentially adds up to thousands of dollars per year.
Health costs are skyrocketing today - much faster than the rate of inflation. Be proactive and take care of yourself today avoiding huge medical expenses tomorrow.
Call your utility companies and anyone else who you pay money to monthly and ask for a rate reduction. Explain that you are on a tight budget and what you can afford to pay. If your offer is reasonable they will probably take it.
If you like to read this can save a ton of money - just use the library. I have a link to my library right on my computer. That way I can browse the catalog and reserve books from home.
With Netflix, Hulu and other online services you don't need cable for movies and many shows anymore. If you still need cable for sports and news, get basic cable. The cable companies won't advertise basic you need to call them and ask for it. In my area basic has 30 Chanels and cost $15 per month which is much less than a conventional cable bill.
Buying your clothes at the end of the season can save you big time. We usually wait for a clearance sale for discounts on top of the end of season prices. This can be less than consignment shop prices.
We live near Philadelphia; when buying tickets we price out BWI, PHIlly, and Newark NJ airports. It's funny but the same exact flight is often less at BWI than the other two..we just board the plane a stop later or earlier.
This works two ways - you can stay at their house if they live someplace nice or you can travel with them. Often when you travel in a larger group you can take advantage of discounts. For instance we rented a shore house right on the beach with our family, my cousins and their family's and my aunt and uncle. The cost per person was much less than if we rented a hotel room or suite.
Space heaters only heat the air around you - not the whole house. So if you just heat the room your in you can save big on winter heating.
Spending $5 to $10 dollars per day on lunch and snacks really adds up fast - so take 10 minutes each night to pack a lunch for the next day.
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Go to Moneysanity.com for over 50 more tips on saving money.
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