What things do you do to save money?

Take sack lunches to work, make budget and stick to it, dont eat out, watch regular movies that are coming on tv versus going to theatre, and staying in and having friends over instead of going out and wasting money

I avoid buying small purchases every day that can add up. For example, I will take a can of soda from home (which at the grocery store bought in bulk costs a few cents a can) instead of spending $1.00 or more on a can out in public. I don't buy coffee from coffee houses every day, I don't go out to lunch every day, and things like that. When you take stuff from home, the savings really add up over the year. Another thing I do is save my change in a jar and spend it. You come up with like $30 a month in change, which can be saved or used for daily expenses rather than coming out of your budget.

1. I go to the library or buy used books instead of buying them new.

2. I buy generic products when I know they are of comparable quality to the name-brand products. We also try to buy more "staple" type items rather than the more expensive processed foods.

3. When there is a really good sale on a product, I will stock up on it if it is nonperishable.

4. We seldom go out, at least to things that cost money (movies, restaurants, bars). We do things like invite friends over for a home-cooked meal, rent movies or just watch t.v., if we feel like having drinks with friends we will buy alcohol and hang out at someone's house/apartment.

5. Even though buying pop at all is a waste of money, we are hopelessly addicted to caffeine. We buy generic pops or buy 2-liter bottles to save money.

6. I bring a packed lunch to work.

7. We drive older cars, so we don't have a car payment. We also only feel the need to have liability insurance on them since they are older anyway.

8. We try to monitor use of electricity and other utilities, doing simple things like turning lights off if no one is in the room anyway, turning the t.v. off when no one is watching it, etc.

9. We buy our computer products used at auction from the county. (They have an auction about once a year, selling off monitors, printers, etc.) We got a perfectly good laser printer for $10!

I guess its the way you manage your cash.

You can buy inexpensive clothes or foodstuff in local or neighbourhood stores. Setting aside cash for your future is essential. Because you have something to fall back on when you're down and out.

However, one can get pretty bored with the inexpensive. So once in a while, probably like half a month or so, treat yourself to something that you really like (but within your means) not like buying a dozen of Louis Vuitton products!

Yes, so all the best.

First save 10% of your income for future use, it's always better to buy things and pay them off rather than finance, except for a home. The home's interest is tax deductible.

Next, shop around, get the product number of the item and search for it online with yahoo or google. Finally, everything in life is negotiable, you just don't know until you ask. Don't be afraid to ask for a discount...

Regards,

Joe Ballarino

http://www.amerivestrealtyofnaples.com/

I wait just like you...

I make list especially when shopping so I don't over buy

I pick everything I want in the store and then sort it out so that I only buy the important stuff I have money for

I also bring my hubby to the store with me because we keep each other in check as far as spending

Years ago somebody gave me this advise "save from the top" in other words pay yourself first. I didn't follow the advise and eventually I made some money because went into business, but if you receive a salary, by all means follow the advise

I pay my savings and retirement investments every month like a regular bill. It takes a little discipline but it gets easier with time. Once you accumulate some significant funds you think about how long and how hard it was to save them and you tend to think twice before you break into the accounts and spend them.

a million) seem for savings on products you purchase many times - inspect Lidl/Netto/Aldi 2) change off unused domicile equipment, cellular telephone chargers and lighting fixtures fixtures even as at domicile or in case you pass out. 3) eat easy food that use worry-free elements that would nicely be offered cost effectively in bulk. 4) keep round, seem for actual savings (dodge the revenues) and loose samples of things. 5) pass out strolling instead of going to the health middle. 6) change from Sky to Freesat or Freeview. 7) Use a bicycle to maintain on shipping expenditures. 8) Use the microwave instead of the oven even as cooking. 9) Fill the kettle with barely adequate water for the beverages you're making, do not overfill it. 10) Drink chilly beverages instead of warm to maintain on ability expenditures. 11) Insulate your domicile and service any damage to domicile windows etc. 12) seem for the most inexpensive deals on telephone, information superhighway and ability furnish. Use the cost evaluation web pages.

I used to draw out cash all the time even if I didnt really need it. Now I pay for everything by debit card and only draw a little cash when I have none in my bag, its amazing how Ive stopped wasting my money on rubbish.