1. Save up to 50% per month on convenience cleaner cloths by cutting them into half, i.e. dryer softener cloths, face cleanser cloths, etc.
Savings: $5 per month
2. Find more thoughtful gifts and buy when the item is on sale, shop for birthdays and holidays throughout the year not at the time of the events.
Savings: $10 per month
3. Bring your lunch to work once a week instead of eating out.
Savings: $7 x 4 weeks = $28 per month
4. Don't go to the coffee shop on the weekends.
Savings: 2 visits @ $2 = $4 per week x 4 weeks = $16 per month
5. If you carry a balance on your credit card, and you're only able to afford paying the minimum monthly amount, pay weekly installments instead of one monthly payment. For example, if you owe $100 per month, pay $25 per week. Because credit card companies accrue interest daily on your balance, paying only once a month is a huge detriment to your fiscal health.
Savings: $10 - $100 per month (or more!)
6. Instead of a family night out, consider having an old fashion picnic together or a bike ride. Curbing entertainment costs doesn't mean curbing the fun.
Savings: $25+ per month
7. Spend a day cooking meals that can be frozen for later use for your family. Once a Month Cooking, a book by Mary Beth Lagerborg and Mimi Wilson, features grocery lists and recipes to prepare and freeze a month's worth of food for you and your family. Not only are you able to purchase the food in bulk, this method prevents having to throw away any spoiled food.
Savings: $50+ per month
8. If you are a regular monthly book buyer, stop the habit and visit your library instead! If you insist on buying books, buy it used at your local store or online at merchants such as www.half.com or www.amazon.com. Even a better idea, how about selling the books you have that you don't need!
Savings: $5 - 15 per month
9. Use less expensive gasoline. If you live in North America and have Internet access, you are able to search for the cheapest gas price in your neighborhood with Gas Buddy, www.gasbuddy.com.
Savings: $5 - 15 per month
10. Use two-for-one coupons when dining out; search for these in local newspapers, flyers, and in your "junk mail." If you are a group of four or more people, consider buying dining certificates at Restaurant.com, www.restaurant.com. After choosing your city and state on the Website, you will be presented with a listing of restaurants vying for your dining dollar!
Savings: $5- $50 per month
About The Author
Kimberly A. Griffiths
This is an excerpt from ONE PAYCHECK AT A TIME, OnePaycheckataTime.com, by Kimberly A. Griffiths, ISBN: 1591133327. ONE PAYCHECK AT A TIME, a 200 page workbook, contains budget management exercises for an entire year of paychecks. The author, Kimberly A. Griffiths, has been through the vicious cycle of debt herself, and provides a no-nonsense system to managing your money paycheck to paycheck. You customize the journal based on your pay schedule and learn the necessary tools for making ends meet. kimberlygriffiths@onepaycheckatatime.com
In theory the idea of generating additional (and passive) business... Read More
As many people have observed, "Success leaves clues." If you... Read More
U.S. Supreme Justice Louis D. Brandeis"I live in Alexandria Virginia.... Read More
It's the beginning of a brand new year: a time... Read More
Perhaps the primary message of Rich Dad, Poor Dad is... Read More
When I was a student in London, I had a... Read More
Most accountants, financial planners and wealth-building experts agree that there... Read More
I have given many prosperity lectures over the years and,... Read More
Is the ghost of "Money Past" haunting you? Do you... Read More
Money is probably the most challenging thing for many people... Read More
In today's unpredictable global economy, you obviously never know what... Read More
There are few things in life that are more stressful... Read More
"If you know how to spend less than you get,... Read More
If you're reading this article, it means you are a... Read More
We talked recently about the wealth formula:Spend less than you... Read More
Points to ponder as you consider what can be done... Read More
Any successful person, or any anyone interested in self improvement... Read More
You have $100 in your bank account, your rent is... Read More
In my last article on Creating Residual Income I mentioned... Read More
When young men ask me how to succeed, I tell... Read More
Financial planning at an early age may seem complicated, however... Read More
Financial freedom is the power to do what you will... Read More
In his best selling book, "Rich Dad, Poor Dad, Robert... Read More
Money can be your servant or it can be your... Read More
There is no need to use the many middleman websites... Read More
Very few people whom I know are familiar with the... Read More
Paper burns and large companies can go bankrupt, but if... Read More
Is accumulating wealth as easy as following a 3-step plan?... Read More
At any time in history, no matter what the current... Read More
This article focuses on generating cash as a full time... Read More
You can't build a house from the roof down, and... Read More
Not Enough Money?I believe that most people haven't got enough... Read More
There is perhaps no more important decision than to take... Read More
Want to be one of the lucky ones on the... Read More
When I was a student in London, I had a... Read More
Let's begin this lesson with a definition of the term... Read More
If you're reading this article, it means you are a... Read More
Steve Martin once delivered an opening monologue for Saturday Night... Read More
No one has complete control over their thoughts. But with... Read More
OK, this article will start with the cheapest piece of... Read More
Estimated Reading Time: 4 minutes -- Envision your life 10... Read More
Here are some thoughts about the morphing of thought and... Read More
I have a good friend who works in an area... Read More
What is your attitude towards having wealth? Do you believe... Read More
Have you ever had that feeling where you could not... Read More
Retirement Planning the Offshore Way Why do so many of... Read More
They are the object of thinly disguised envy. They are... Read More
"It's the business of your life?and you're the CEO!" Gala... Read More
There are only 2 ways to grow your wealth -... Read More
At any time in history, no matter what the current... Read More
Anyone knows that material wealth is measured in goods: apples,... Read More
Most accountants, financial planners and wealth-building experts agree that there... Read More
In light of the dominant mindset overshadowing the market these... Read More
In his best selling book, "Rich Dad, Poor Dad, Robert... Read More
This article focuses on generating cash as a full time... Read More
"My people are destroyed for lack of knowledge." Hosea 4:6... Read More
You've been thinking that your financial life could probably be... Read More
Financial planning at an early age may seem complicated, however... Read More
Points to ponder as you consider what can be done... Read More
Feng shui coins can allow you, among other things, to... Read More
What if I were to tell you that almost everything... Read More
Money is probably the most challenging thing for many people... Read More
Endowments and endowment mortgages have received a lot of bad... Read More
Ever think about how eating all those fast food meals... Read More
Time and time again entrepreneurs are losing out on getting... Read More
As someone who loves to shop, enjoys holidays and owns... Read More
Wealth Building |