The 10 easiest ways to save..... NOW
1.Have multiple bank accounts for your direct deposit, savings, checking, prepaid debit cards
so you cant keep up with where it is at. plus the lower balances through out will make you think you have less.
2.Use one of your savings accounts to round up your checking accounts change... Bank of America does this still I think. every time you spend an uneven amount of cash put the change in the savings account. spend $1.35 put the other $.65 cents in the savings account. if the have the option threw your bank to make the savings account invisible that will help you to not spend it.
3. Shop around before you make any big purchases. you waited this long to have it what another week. Check pawn shops, craigslist eBay, amazon, resale shops etc. these could potentially save you hundreds of dollars. this works for insurance, cable and cell phones too.
4.Print or Clip the coupons just like moving change to a savings account the $1.00 Coupons all add up to saved money. there are all kinds of coupons out there for your daily products, food etc. look under savings on our site 100s of coupons available to print from home. www.savingsandlifehacks.com under the savings tab.
5. (Buyers remorse) ask your self do you really need it?, do you really need it right now? could you wait it out (prices are dropping all the time on top name brand items)
6.Borrow it! If a friend has it see if you can use it (But return it in the same condition that you got it in) Rent a center, Arrons are great if you want to try products out or use one until you buy it out right. going the full purchase price through either is pretty expensive so try to stay away from that. use rental stores for the big tool needs or party items. Home depot, Menards both rent tools.
7.Figure out your monthly budget divide it by 4 and you know exactly how much you need to survive each week. if you fall short grab a roommate if you have the space, pick up a part time job. always make sure you can put at least $20.00 a week away that's $80.00 always better to put a bit more if possible.
8.Cut your utility bills down..... Be light and heat cautious, Keep them of when not needed turn your heat down to 63 when your away or keep it at 68 all the time combine for extra savings. make sure you don't have a second rinse turned on on the washer. cut your cable bill down or tell them your going to dish or a competitor they will put you back into the promotional deals.
9.If you have the option through your place of employment put 5%-10% in a 401k plan they are pre tax dollars and most of the time if offered there is some sort of company match. and it comes out of your check before you see it like any other deduction. what you don't have you cant spend.
10. The best of all and one of my favorites (I'm Broke) Just by using those two words you detour people from trying to borrow and sometimes they might even pay for you. Use wisely
