Posts Tagged ‘how to save money’

There are many easy techniques provided on how to save money fast  that you could make a quite an extensive list to fill a whole page. Though, it’s best to choose a few easy ones to begin with and see whether you can make it a routine first. Then move on to the next habit, and so on.

Here are some practical suggestions on how to save money fast for work expenses.

Brown bag your lunch

This one idea is a no brainer. Instead of wasting time during your precious lunch hour to queue up for a sandwich, prepare your lunch at home the night before. Bringing in left overs from the previous night’s dinner is a low cost strategy. Perhaps consider cooking more for dinner so that you do have some food left over from your previous night’s meal to take to work the next day.

Car Pool to Work

Chat to colleagues and find out whether any of them live nearby to you. Perhaps you can alternate driving and car pooling to your workplace. In this way, you can save on petrol bills, and expenditure related to wear and tear of your car. It’s also a nice way to get to know your colleagues better and have an interesting conversation whilst driving to work.

Telecommute

Discuss with your employer to see whether it would be possible to telecommute from home. Many employees are telecommuting as a good option to going into the office everyday to work. It’s not the hours spent at the office that counts, but your output. So show your employer that you are just as productive if not productive telecommuting.

These are 3 easy tips on how to save money fast for work. Some of the best ways to save money are simple suggestions. For more useful tips, visit Save Money Hound for easy ways to save money.

It doesn’t have to be a major difficult to save your money. If you’ve been finding it a major problem to save money, then it may be time to revisit what you’re doing, and how you can improve upon your strategy for saving.

Here are some magic tips on how to save money.

Tip One: Establish a Good Habit to Save Regularly

Establishing a schedule to save a set amount is the first principle on how to save money. It usually can take from around around 30 days to establish a new habit. New habits can be difficult to establish, but once you have been successful in following your newly established habit of saving weekly, you are on your way.

Determine how much you are going to save each week, and write this down as your most important goal. Then next decide whether your goal is achievable. If it is achievable, then decide the bestmethod for saving. Will the amount to be saved come straight out of your cheque account?

Tip Two: Set up an Automatic Saving Plan

Set up an automatic transfer from your cheque account where you pay goes in to a savings account. Opening a specific online savings account is an excellent way to establish your new habit.

It’s automatic so you won’t get to the end of the month, and wonder where all your money has gone.

Tip Three: Track and Monitor your Progress

Monitor your progress each month to see how you are progressing with your savings plan. If you’ve set up an automatic direct debit plan, then all should be good. If you have not, revise your plan to see what you need to do to make your plan stick.

Tip Four: Have a Reason Why You’re Saving

The more specific your reason to save money, the greater the chances that you’ll stick to your saving plan. You may be saving up for your that special wedding day, a fun holiday, to take the family somewhere special. Whatever your reason, keep this goal firmly in mind.

It will help you stick to your saving plan, and before you know it, you will have successfully achieved your personal savings goals. Abide by these simple rules and learn how to save money regularly. For more useful tips on how to save money, visit Save Money Hound.

Most people don’t realize just how many ways there are that money slips through the cracks and many wonder why there’s never enough money at the end of the month. If you can learn to pay attention to your money spending habits, and make a few changes, you’ll be surprised at how much you can save every month. The following tips can help you save money and get your finances back on track. By the way, you should definitely have a look at GoldMoney, it is a secure way to invest in silver and gold online. Read these Gold Money reviews to learn more about it.

One simple but effective way to save money that is seldom done today is depositing a certain percentage of your income into a savings account. If you cash your paycheck every week, or deposit it into your checking account, the tendency will be to spend it all. It’s very easy to spend money, between bills and everyday items you buy on impulse.

But if 10%, or even 5%, of your income goes into a separate account before you even see it, you’ll stop thinking of that as money you have available to spend. After a few weeks you won’t even miss the money because you’ll probably forget it’s there. This will help you cut back on the amount of money you spend naturally while also helping you save.

There is a lot of money to be saved by reducing your electricity consumption. This involves lots of different little things like turning off the lights when you walk out of a room and using the most economical bulbs you can locate. Traditional bulbs use a lot more power than the CFL and LED light bulbs that are growing in popularity. Dimmer switches ensure that you never make a room brighter than you need it to be. Surge protectors for electronic devices are helpful because they allow you to turn off everything with just one click when you know you won’t be using the devices for a while. Paying close attention to your power usage will really help you save money on your bill each month.

If you subscribe to cable TV, consider canceling it and looking for alternatives. Many people pay for hundreds of cable channels they seldom watch. If you like to watch movies there are lots of cheaper ways to do so like renting DVDs and internet streaming television. Television can easily be accessed both online and through offline rental stores. There are lots of free online movies as well. You may also find better uses for your time than watching television. It is easy to save hundreds and hundreds of dollars every year by disconnecting your cable TV.

You can add up lots of savings if you think creatively about how to cut down on your spending. For the most part, people spend a lot more than they absolutely have to on things like food, entertainment and shopping because they don’t take the time to search out more reasonably priced alternatives. The tips contained in this article will help you train your mind to think more frugally and save money in new ways. Last but not least, don’t forget to look at this article about silver vs. gold chart analysis.

Everyone has to have at least some skill with their finances. Even the little ones need to figure out how to allocate their allowances. The more money you make, the more important it is to be organized and sensible with your personal finances. Following are some tips that can help you improve your finances.

Make sure to save for a rainy day by creating a savings account for emergencies. You should also put money away for long term spending goals like college tuition, or a relaxing vacation.

If you have a good month where you finally get ahead, this is your cue to actually start saving, not to start spending more. Stick to a budget and readjust your savings plan to take advantage of your good fortune. You’ll thank yourself later.

If collection agencies are constantly contacting you about your unpaid debts, it is important for you to know that debts eventually expire if they remain unpaid for a specified period of time. Talk this over with an expert, and see if you can find out when your current debt will expire. If you can get this information, do not pay a dime to any collection agency.

Put a little foreign intrigue into your investments. Using a no-load mutual fund is a simple international investment which can greatly reduce the research needed for individual stocks and gives diversification.

Inquire whether your bank offers flexible spending accounts and obtain one if they do. Simply look at your monthly expenses (perhaps with an iPhone app for budgeting) to determine how much money you need to be saving. Everything that you put away will lower your tax liability on your payroll check.

Always carry a little cash around in order to buy small items. This way you won’t get stuck buying unnecessary items to meet a store’s minimum purchase requirements.

The old way of finding coupons was by cutting them out of Sunday paper, but now there are a multitude of places on the Internet that offer printable coupons. Online coupons are a good tool when you’re working on improving your financial situation.

You may find it helpful to discuss your personal finances with someone who has experience in the financial industry. If you do not have a person in your circle that fits this description, asking someone who is smart with their money is the next best choice.

These tips will help anyone understand and shape their personal financial situation into a healthier, more productive situation. No matter whether you’re starting with five dollars in the bank or with five thousand in investments, the same principles apply, and you can use tips like these to boost yourself into a new, better way of life.

Looking for new ways to save money? Consider adding one of the top financial apps to your iPhone. If you own an iOS device, be sure to go to AppCraver.com to read reviews about useful iPhone and iPad applications to manage your money and many of your other daily duties.

Economic downturns aren’t ever much fun, but as Adam Smith observed over two centuries ago, these cycles of paucity and plenty are a fact of life. Although none of us can say for sure when this most recent slump will reverse, there are at least sure ways of saving your money in the meantime. Here are some penny-preserving techniques tailored to our 21st-century lives:

 

1. Plenty of people are in the habit of cutting out paper coupons, but even though many of us do part of our shopping online now, not as many of us seem to have learned to coupon-hunt on the Web. Sites such as CouponCabin.com, CouponMountain.com, and DealofDay.com list thousands of current offers at retailers all across the Net.

 

2. Use price-comparison websites like Shopping.com, Pricegrabber.com, Google Product Search, and mySimon.com to find the best deals online.

 

3. When you’re at a store, send a text message to 46645 (Google’s text number) and enter the letter “f” and then the name of the item you’re considering. Google will reply with a text message quoting its online prices. To compare prices at stores near you, check out ShopLocal.com.

 

4. If you don’t already belong to one, consider joining a warehouse club like Costco or Sam’s and buying in bulk. This can be especially helpful if you have a large family.

 

5. Buy generic instead of brand-name products. A lot of the difference is usually in the marketing ballyhoo and not the product itself, anyway.

 

6. Withdraw your money from surcharge-free ATMs, which can be located on AllpointNetwork.com and MoneyPass.com.

 

7. Buy locally-grown food at farmer’s markets or stores that sell local produce. Prices are usually lower there because the food doesn’t have to be transported far.

 

8. Shop at dollar stores. You shouldn’t have a hard time finding one nearby since they’ve been popping up all over the place recently.

 

9. Buy discount prescription drugs at online pharmacies. You’ll often end up paying under half as much for the generic pills carried by these discount prescription drug stores than you would for the same brand-name medications at brick-and-mortar pharmacies.

 

10. If your car is seven or more years old and/or worth $2,500 or less, consider dropping comprehensive and collision from your insurance.  Your deductible may be nearing the worth of your vehicle anyway, in which case a major collision would send your car to the junk dealer and you to the dealership.

 

11. Keep cell-phone expenses under control. Today’s kids love to send text messages, so save yourself from unexpectedly high bills by paying the flat monthly fee for unlimited texting.

 

12. Use online classifieds to buy used items. Sites like CraigsList.org and Kijiji.com are superb resources for finding everything you need, from pre-owned furniture to baby gear. By buying from local sellers, you can save on shipping costs as well.

 

13. Go to matinees. The matinee showing is usually more reasonably-priced than peak-time showings.

 

14. Install Power Planners (see www.energycsi.com/energysmart) to lower the energy usage of your electrical appliances.

 

15. For your next date, have a romantic picnic instead of going to an expensive restaurant. Pack a blanket and a cooler full of your favorite foods and you’ve got yourself an inexpensive rendezvous. Spice it up a little with a bottle of wine.

 

16. Instead of spending money on software, look for (legal) free software from places like Download.com and SourceForge.net. Depending on how you use a given type of program, the free alternatives will frequently be just as good as the paid versions.

 

17. If anyone in your house is a student, get the Student Price Card from SPCLive.com. It’s only $8.50 and will get the holder 10% to 15% discounts in dozens of participating stores.

 

18. Control your thermostat. Using a programmable thermostat to adjust the temperature will save energy when you’re sleeping and away. Prices range from $30 to $120, but you’ll reduce your bill by 10% to 20%.

 

19. Consider quitting your health club. Less expensive options might include a gym at your work, in your building or community, or at a nearby park and rec. center.

 

20. Reduce your water bill by installing low-flow showerheads and $1 toilet displacement bags.

 

21. When you eat out, choose waiter-less restaurants where you order at the register and pick up your own food. You’ll avoid having to pay a tip, and these types of restaurants often have more reasonable prices as well.

 

22. Buy pre-owned books. Major online book sellers offer a “buy it used” option, where you will often find books in like-new condition at substantial discounts.

 

23. Have a friend or family member cut your hair. This works best for men and boys who like to keep their hair short and simple, because someone without experience can do as good a job as a barber using a set of clippers. Professional clippers are sold in department stores for less than the expense of some high-end haircuts.

 

24. Swap babysitting responsibilities with other families. Instead of paying a teenager to talk on the phone, send your children to the neighbors’ place on your nights out and take their kids into your place for a few hours when they need some couple-time alone.

 

25. Replace your incandescent lightbulbs with CFLs (compact fluorescent lights). They use about 1/4 as much electricity, last about 10 times longer, and can now often be found on sale for only about $1 each if you shop around.

 

26. Use financial-planning software such as Quicken or the free software from Rudder.com.

 

27. Swap one-time-use items (such as books) with friends once you’re finished with them. If you each have things you’ll never use again but that the other wants, you can save yourselves the expense of buying them new.

 

28. Use public transportation or a bike to get to work, if feasible.

 

29. When you need to upgrade your personal electronic devices, trade the old ones in for cash at sites like Gazelle.com and CellforCash.com.

 

30. Don’t shop for food on an empty stomach. If you do, you’re liable to purchase more than you actually need.

 

 

All rights reserved. Article may be reprinted as long as content remains unchanged and links remain active.

A lot of teens nowadays do not understand the value of earning plus spending money. They were not oriented that investing is necessary even if they be still students. As parents, you play a crucial role in this area.

Here be some tips on how you can teach your children how to save money:

Your children should be there educated of the meaning of money. Once your children have learned how to count, that is the perfect time for you teach them the real meaning of money. You should be present consistent plus explain to them in simple ways plus do this frequently so that they may be there able to remember what you taught them.

3. When giving them their allowances. You need to give them their allowances in denominations. Then you can encourage them that they should keep a certain bill for the future. You can motivate them to do this by telling them that the money can be there saved plus they can buy new pair of shoes or the toys they want once they are able to save.

You can teach them to save money by giving them piggy banks where they can put coins also wait until they get full. You can also open bank accounts for them and let them deposit money from their allowance. You should always show them how much they have earned to keep them motivated.

Money and saving is not something that is learned by children in one sitting. You should be present patient in teaching them also relating the value of money in all of their activities. Children will learn this easily if you be patient and consistent in guiding them and encouraging them in this endeavor.

Because you are looking for information on saving environment, you may also want to look into father mom online resources. I would prefer to inform you all about a few places online which may be totally a whole lot not related to how to make money however that you may find that can aid you in order to apply cloak your link tools for yourself or apply whole life insurance definition also while you seems involved in you may gain an advantage from learning about free job application form. You can learn from related information about gta vice city save. For more information about managing money, please bookmark my web site because we love to update my web site about online budget software.

With the institution of malls, affordability of technology, as well as rising cost of health care, loans, as well as rising inflation, it has become very difficult used for one to spend less as well as save money designed for future use.

Current statistics show that banks are showing a considerable decline on each bank account holder’s savings as well as have shown an increased in the number of withdrawals per month leaving people little money to spend before the next salary strikes their account.

also a host of temptations are a commonplace scenario in the real world, there are many ways by which you can keep yourself from getting into the hype and aid you in creating plus developing your personal and unique habit of saving a few dollars from your basic salary.}

In a simulated sociological study, people who originally planned on window-shopping ended up buying personal stuff if they are taking their personal bankcards with them.

Budgeting – Along with your pursuit to saving money, it is also important to keep an organized and effective, yet reasonable budgeting technique. Budgeting eliminates buying temptations that would tend to build up during malling also help you save money along the process due to preformed lists of items you need to buy.

Performing Price Comparison – The World Wide Web provides a great avenue on providing a checklist of prices on specific items that you plan on buying.

This is great intended for you if you are into bulk buying plus plan on conducting your malling activity in one place. This will give you a good idea if the usual store from where you usually get all your everyday household needs provides you a reasonable price for specific products.

Take All the Convenience At Home – Lunch, snacks, plus major meals are something which you can prepare at home. If you are serious on saving money, you can prepare all this from home plus get away with some amenities of the gut by replacing soda with water. This is not only beneficial to your pocket but does a great deal for your health as well.

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With tuition fees climbing up yearly, it is better to have a sound financial plan so that it would not be difficult intended for you to send your kids off to college when they grow up.

Aside commencing the cash that you have saved yourself, here are the top 3 sources that can help you get your kids through college:

1. Scholarship grants
2. Part-time jobs
3. Financial aids

But as a parent, you would not want to fall in those long lines intended for financial aid or let your child work himself to death just to have money intended for tuition and other expenses.

Here be some ways on how you can have a jump start at shaving off those hard-earned bucks designed for your child’s college education:

1. The earlier, the better.

Start investing your money as soon as your child is born.

First, put the savings or investments under your name.

Later on, decide whether you want to transfer the account to your child’s name by  the time he or she turns 15. This way, you will have minimal taxes, if at all.

However, you need to be careful when transferring account names.

Some states require a total turnover of funds once your child turns 18 or 21. This is also ineffective if, in the future, you apply meant for financial aid.

Also remember that tuition fees 10 or 15 years starting now may double or even triple the current rates.

2. Establish a trust fund intended for your child.

This is a very wise plan for a child’s parents or relatives to invest in.

A trust fund is similar to a time-deposit where the money will be given to your child after a certain number of years.

All in all, you need to approximate the costs of tuition fees, dorm room, meals, books, and other expenses that may come up.

Make sure that you invest money wisely as your child grows.

By the time that there be only two or three years to go before you send your son or daughter off to college, “lock” an ample amount of the funds by investing them in low-risk bonds to ensure that you will get to have enough intended for them to start their college education.

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Economic downturns aren’t ever much fun, but as Adam Smith observed over two centuries ago, these cycles of paucity and plenty are a fact of life. Though none of us can say for sure when this latest slump will reverse, there are at least sure ways of stretching your cash in the meantime. Here are some penny-preserving techniques tailored to our 21st-century lives:

 

1. Plenty of people are in the habit of cutting out paper coupons, but even though many of us do some of our shopping on the Internet now, not as many of us seem to have gotten into the habit of coupon-hunting online. Sites such as CouponCabin.com, CouponMountain.com, and DealofDay.com offer thousands of current offers at merchants across the Web.

 

2. Use price-comparison websites like Shopping.com, Pricegrabber.com, mySimon.com, and Google Product Search to find the best deals online.

 

3. When you’re at a store, send a text message to 46645 (Google’s text number) and enter the letter “f” and then the name of the product you’re considering. Google will reply with a message quoting the online prices. To compare prices at stores in your area, use ShopLocal.com.

 

4. If you don’t already belong to one, consider joining a warehouse club such as Costco or Sam’s and buying in bulk. This can be especially helpful if you have a sizable family.

 

5. Buy generic instead of brand-name products. A lot of the difference is usually in the marketing hype and not the product itself, anyway.

 

6. Withdraw your money from surcharge-free ATMs, which can be located on AllpointNetwork.com and MoneyPass.com.

 

7. Buy locally-grown food at farmer’s markets or stores that sell local produce. Prices are often lower there because the food doesn’t have to be transported far.

 

8. Shop at dollar stores. You should have an easy time finding them since they’ve been popping up all over the place in the recent past.

 

9. Purchase discount prescription drugs at online pharmacies. You’ll often end up paying less than half as much for the generic medications sold at these discount prescription drug stores than you would for the same brand-name medicines at brick-and-mortar pharmacies.

 

10. If your vehicle is seven years old or older and/or worth less than $2,500, consider dropping comprehensive and collision from your insurance.  Your deductible may be approaching the value of your car anyway, in which case a major collision would send your car to the junk dealer and you to the dealership.

 

11. Keep cell-phone costs under control. Today’s kids love to send text messages, so save yourself from unexpected high bills by paying the flat monthly fee for unlimited text messaging.

 

12. Use online classifieds to find used items. Sites like CraigsList.org and Kijiji.com are great resources for finding everything you need, from pre-owned furniture to baby gear. By buying from local sellers, you can save on shipping costs as well.

 

13. Go to matinees. Matinee showings are often more reasonably-priced than peak-time showings.

 

14. Install Power Planners (see www.energycsi.com/energysmart) to lower the electricity consumption of your electrical appliances.

 

15. For your next date, plan a romantic picnic instead of going to an expensive restaurant. Pack a blanket and a cooler full of your favorite foods and you’ve got yourself an inexpensive rendezvous. Add some color with a bottle of vino.

 

16. Instead of paying for software, look for (legal) free software from places like Download.com and SourceForge.net. Depending on how you use a given type of software, the free alternatives will frequently be just as good as the paid versions.

 

17. If anyone in your house is a student, get the Student Price Card from SPCLive.com. It’s only $8.50 and it will get the holder 10% to 15% discounts in scores of participating stores.

 

18. Control your thermostat. Using a programmable thermostat to adjust the temperature will reduce energy usage when you’re sleeping and away. Prices range from $30 to $120, but you’ll cut your bill by 10% to 20%.

 

19. Consider quitting your health club. More economical options might include a gym at your work, in your building or community, or at a nearby park and rec. center.

 

20. Lower your water bill by installing low-flow showerheads and $1 toilet displacement bags.

 

21. When you go out to eat, choose waiter-less restaurants where you order at the register and pick up your own food. You’ll avoid having to pay a tip, and these types of restaurants often have more reasonable prices as well.

 

22. Buy used books. Major online book sellers offer a “buy it used” option, where you will often find books in like-new condition at substantial markdowns.

 

23. Have a friend or family member cut your hair. This works best for men and boys who like to keep their hair short and uninvolved, because someone with no experience can do as good a job as a barber using a set of clippers. Professional clippers are sold in department stores for less than the cost of some high-end haircuts.

 

24. Swap babysitting responsibilities with neighbors. Instead of paying a teenager to watch TV, send the kids to the neighbors’ place on your nights out and take their kids into your place for a few hours when they need some couple-time alone.

 

25. Replace your incandescent lightbulbs with CFLs (compact fluorescent light bulbs). They use about 1/4 as much energy, last about 10 times longer, and can now often be found on sale for approximately $1 each if you shop around.

 

 

All rights reserved. Article may be reprinted as long as content remains unchanged and links remain active.

 

Economic downturns are never especially fun, but as Adam Smith noted over two centuries ago, these cycles of paucity and plenty are a fact of life. Though no one can say for sure when this most recent slump will reverse, there are at least sure ways of stretching your cash in the meantime. Here are some penny-preserving ideas tailored to our 21st-century lives:

 

1. Plenty of people are in the habit of cutting out paper coupons, but even though many of us do part of our shopping on the Internet now, not as many of us seem to have gotten into the habit of coupon-hunting on the Internet. Sites such as CouponCabin.com, CouponMountain.com, and DealofDay.com offer thousands of current offers at merchants all over the Web.

 

2. Use price-comparison sites like Pricegrabber.com, Shopping.com, Google Product Search, and mySimon.com to find the best online deals.

 

3. When you’re at a brick-and-mortar store, send a text message to 46645 (Google’s number) and enter the letter “f” and then the name of the item you’re interested in. Google will reply with a text message quoting its online prices. To compare prices at local stores, go to ShopLocal.com.

 

4. If you don’t already belong to one, consider joining a warehouse club such as Costco or Sam’s Club and buying in bulk. This can be especially helpful if you have a sizeable family.

 

5. Buy generic instead of brand-name products. A lot of the difference is usually in the marketing hype and not the product itself, anyway.

 

6. Withdraw your money from surcharge-free ATMs, which can be found on AllpointNetwork.com and MoneyPass.com.

 

7. Buy locally-raised food at farmer’s markets or stores that sell local produce and meat. Prices there are usually lower since the food doesn’t have to be transported far.

 

8. Shop at dollar stores. You shouldn’t have a difficult time finding them since they’ve been turning up all over the place in the recent past.

 

9. Purchase discount prescription drugs from online pharmacies. You’ll often end up paying less than half as much for the generic pills available at these discount prescription drug stores than you would for the same brand-name medications at brick-and-mortar pharmacies.

 

10. If your car is seven or more years old and/or worth $2,500 or less, consider dropping comprehensive and collision from your insurance.  Your deductible may be closing in on the worth of your car anyway, in which case a major collision would send your car to the junk dealer and you to the dealership.

 

11. Keep cell-phone expenses under control. Kids today love to text message, so save yourself from unexpected high bills by paying the flat monthly fee for unlimited texting.

 

12. Use online classifieds to buy used items. Sites like CraigsList.org and Kijiji.com are superb resources for finding everything you need, from pre-owned furniture to baby gear. By buying from locals, you can save on shipping costs too.

 

13. Go to matinees. Matinee showings are frequently more reasonably-priced than peak-time showings.

 

14. Install Power Planners (see www.energycsi.com/energysmart) to lower the power consumption of your electrical appliances.

 

15. For your next date, have a romantic picnic instead of going to a pricey restaurant. Pack a blanket and a cooler full of your favorite foods and you’ve got yourself a cheap rendezvous. Spice it up a little with a bottle of vino.

 

16. Instead of spending money on software, look for (legal) free software from websites like Download.com and SourceForge.net. Depending on how you use a given type of program, the free alternatives will often be just as good as the commercial versions.

 

17. If anybody in your house is a student, get the Student Price Card from SPCLive.com. It’s only $8.50 and will get the holder 10% to 15% off in scores of participating stores.

 

18. Control your thermostat. Using a programmable thermostat to adjust the temperature will save energy when you’re sleeping and away. Prices range from $30 to $120, but you’ll reduce your bill by 10% to 20%.

 

19. Consider quitting your health club. Less expensive options may include a gym at your work, in your building or community, or at a nearby parks and recreation center.

 

20. Reduce your water bill by installing low-flow showerheads and $1 toilet displacement bags.

 

21. When you go out to eat, choose waiter-less restaurants where you order at the cash register and pick up your own food. You’ll avoid paying a tip, and these types of restaurants often have more reasonable prices as well.

 

22. Buy pre-owned books. Major online book dealers offer a “buy it used” option, where you can often find books in like-new condition at substantial discounts.

 

23. Have a friend or family member cut your hair. This works best for men and boys who like to keep their hair short and uninvolved, because someone with no experience can do as good a job as a barber using a set of clippers. Professional clippers can be found in department stores for less than the price of some high-end haircuts.

 

24. Swap babysitting responsibilities with other families. Instead of paying a teenager to surf the Net, send your children to the neighbors on your nights out and take their kids into your place for a few hours when they need some couple-time alone.

 

25. Replace your incandescent lightbulbs with CFLs (compact fluorescent lightbulbs). They use about 1/4 as much energy, last about 10 times longer, and can now often be found on sale for only about $1 each if you shop around.

 

26. Use financial-planning software such as Quicken or the free offerings from Rudder.com.

 

27. Exchange one-time-use items (such as books) with friends once you’re done with them. If you each have items you’ll never use again but that the other wants, you can save yourselves the cost of buying them new.

 

 

All rights reserved. Article may be reprinted as long as content remains unchanged and links remain active.