After all you've got to turning sweat to money, here are several ways You can do to saving your money more :
- Cut back to one credit card
- Leave your credit card & ATM at home
- Let the "cheaper" person carry the money. Shop from a list and stick to it
- Don't buy anything the first time You see it
- Don't go food shopping when you're hungry
- Bring lunch to work
- Don't eat out as much. Use money-saving coupons when you do. Take advantage of "early bird specials" or eat lunch out rather than dinner
- Avoid stores. Throw away or recycle mail-order catalogs
- Don't pay full price. Buy used. Buy at outlet stores. Buy store brands. Buy in bulk
- Share purchases with others. Buy a neighborhood lawnmower or barbecue grill. Share a children's swing set
- Use payroll deductions to build savings and retirement accounts
- Make it hard to get your money. Bank far away. Avoid ATM. Require two signatures on accounts
- Pay down credit cards as quickly as you can. Pay on time. Pay more than the minimum required. Use low-interest savings (such as bank savings accounts, government savings bonds, or the cash value of life insurance) to pay down credit card debt.
- Ask to have the interest lowered on your credit card or switch your balance to a card with a lower rate.
- Turn off the lights when you’re out
- Save on your water bill: turn off the tap while soaping.
- Turn off the air conditioner or turn down the heat when you’re out. Use a thermostat with a timer to bring the temperature back to a comfortable level before you get home.
- Rent movies or borrow them from the library instead of going out to movie theaters. When you do go to the movies, bring your own snacks.
- Discontinue cable TV or cut back on optional channels.
- Discontinue magazine subscriptions and newspaper delivery.
- Sell what you don’t need especially the car, if you can find a way to get by without it.
- Carpool, ride a bike, or use public transportation.
