Although many consumers would argue differently saving money doesn't have to be difficult. In fact by making just a few changes in your normal lifestyle you can find ways to free up extra cash that can be put to better use in a savings account or an investment account. Finding ways to save an additional 5 dollars a day can lead to a more secure financial future in the long run. I have compiled some tips that you can use in order to find those extra dollars.
Tip Number 1 - Are you a daily coffee drinker or a heavy smoker? The simple act of eliminating one cup of coffee a day or reducing the amount of cigarettes you smoke (quitting entirely would be better) can free up a small amount of money daily that when added up equals a large amount at the end of the year.
Tip Number 2 ? Try to avoid shopping at convenience stores. The prices they charge are outrageous when compared to lower priced food stores or super markets. It's a proven fact that you will spend less on food if you shop with a list, take advantage of sales, and purchase basic ingredients, rather than pre-packaged components or ready-made items. Take the time to clip coupons for items that you buy on a regular basis however avoid purchasing impulse items if you don't normally use them just because you have a coupon. If you take the time to compare the fine print you'll see that you can save hundreds of dollars a year by comparing price-per-ounce or other unit prices on shelf labels.
Tip Number 3 ? When it comes to purchasing over the counter medicine brand name drugs are usually much more expensive than their generic equivalents, ask your physician and pharmacist if a less expensive generic or an over the counter alternative is available. Purchasing the equivalent generic drug can save hundreds of dollars through out the entire year. With the emergence of online pharmacies the opportunity to save even more money on medicine is significant. Take the time to search online for the best deals.
Tip Number 4 ? With the high cost of gasoline draining consumer's pocketbooks any way to save money in this area is a welcomed tip indeed. You can save hundreds of dollars a year by comparing prices at different stations, pumping gas yourself, and using the lowest-octane called for in your owner's manual. You can save up to $100 or more (depending on your vehicle) a year on gas by keeping your engine tuned and your tires inflated to their proper pressure.
Tip Number 5 ? Your vehicle can place a huge strain on your budget if you fail to perform routine repairs on your car when they are needed. The most important step that you can take to save money on these repairs is to find a skilled, honest mechanic. Be sure to aggressive shop around since not all auto mechanics charge the same amount for repairs and the quality of work performed is different based on the skill of the mechanic.
These 5 quick tips could easily save you several hundred dollars a year, which you could put to better use in a savings program or to pay off higher interest loans and other bills.
Timothy Gorman is a successful webmaster and publisher of Best-Free-Insurance-Quotes.com. He provides free money saving insurance information and offers discount auto, life and home insurance that you can research in your pajamas on his website.
Other websites operated by Tim: Cellular-Phone-Solutions.com - Free information and resources regarding cell phones and cell phone plans.
Military-Loans-Online.com ? Which provides free money saving loan quotes on all of your loan needs to include home equity loan information.
There is a law all smart people break.Parkinson's law.Parkinson's law... Read More
After October 17, 2005, a lot of people are going... Read More
Consumer Borrowing Consumer borrowing in the UK has now crashed... Read More
I'm sure you'll agree that budgeting, saving money, and eliminating... Read More
For many, the word 'budget' immediately sends shivers down the... Read More
For most Americans, credit card debt is a dangerous and... Read More
The New Year often brings with it a desire to... Read More
Good credit is everyone's dream. A wise use of credit... Read More
FTC opinion letter on validation Section 809(a) of the FDCPA,... Read More
Here is a useful guide to bankruptcy. It should be... Read More
Reducing debt usually isn't a high priority for people until... Read More
In today's consumer society it is all too easy to... Read More
Wholeness requires separation. In order for you to experience yourself... Read More
Debt consolidation, equity loans, credit counseling, debt management plans, even... Read More
An inability to manage credit, growing debt and bankruptcy are... Read More
Bankruptcy is one of the tougher choices we as adults... Read More
As a single mother, lets admit it, times get tough.... Read More
Debt Settlement companies work with your creditors to help you... Read More
If you're thinking about an IVA, it is essential to... Read More
It is always possible to negotiate with creditors ? even... Read More
We have all experienced getting so far in debt we... Read More
Living with debt is never a good idea if you... Read More
Many consumers that are bogged down in debt frequently turn... Read More
What Everybody Needs To Know...Learn The Truth About Debt Elimination... Read More
Financing a college education is one of the more expensive... Read More
The overwhelming task of eliminating your debts can often seem... Read More
The business of banking has changed dramatically over the last... Read More
How do I lower my debts?There are several ways of... Read More
Congress recently passed sweeping legislation that will significantly reform American... Read More
Debt is becoming number one problem in the United States... Read More
(Money You Don't Have to Pay Back) 1. One way... Read More
Do you want to reduce your debt? Having trouble paying... Read More
A History of Money and TradeTo start with a history... Read More
It is possible for creditors and third-party collection agencies to... Read More
The United States Senate passed a law on March 10,... Read More
Anyone who embarks on a debt reduction program should know... Read More
This method is simple, but requires some discipline.First, you have... Read More
Who will benefit from the new bankruptcy reform laws? The... Read More
Yes, debt collection tips can help. You may think you... Read More
Bankruptcy is a legal way to offer folks with high... Read More
If you are in debt over your head and wondering... Read More
Most Americans are aware of the sweeping changes in U.S.... Read More
Do you have multiple debts? Do you have just one... Read More
Although many consumers would argue differently saving money doesn't have... Read More
Strictly speaking, his advice was preceded by another Heinlein maxim... Read More
Negotiations with creditors have failed. Repossession is imminent and foreclosure... Read More
Debt settlement is the process of negotiating with your creditors... Read More
Debt consolidation versus debt negotiation are two options that are... Read More
How do I lower my debts?There are several ways of... Read More
Feeling stressed by the amount of debts you have? Three... Read More
Debt Management plans offer credit counseling clients a different and... Read More
Last April, Congress passed the Bankruptcy Abuse and Consumer Protection... Read More
The financial and psychological burden of being in debt causes... Read More
With the high cost of gasoline and the amount of... Read More
As vice president of the American Credit Foundation, a nonprofit... Read More
Having something tangible to strive towards can work wonders for... Read More
What is a debt management system, and when do you... Read More
On April 20 of this year, President Bush signed a... Read More
A Debt Checklist allows you to look at items and... Read More
If your financial worries are preventing you from sleeping at... Read More
Nathaniel Hawthorne's book The Scarlet Letter states in Chapter 2,... Read More
Bankruptcy laws give debtors a way to resolve debt by... Read More
It happens all the time. Debt collectors try to collect... Read More
Debt Settlement companies work with your creditors to help you... Read More
On April 20, 2005, President Bush signed into law the... Read More
Step 1. The purpose of this first step is to... Read More
Debt Relief |