i need info on saving money?

Saving Tips

-Costco membership to buy eye glasses and gas-->make sure everything else you buy really is a good deal before you get it

-Programmable thermostat on the heat/ac or shut it off when you leave the house

-Read The Tightwad Gazette by Amy Dichzyn. Get it from the library

- Buy your kid's clothing from garage sales or consignment shops--or get them for free as hand-me downs

-Buy purchases with cash and negotiate the price

-Convenience food costs more, cook from scratch

-Check out this e-book about grocery shopping: http://www.grocerybook.com/

-Plant a garden.

-Live a simple life (and hang around others who do too so they don't tempt you to overspend)

-Look for cheap entertainment: walk in the park, library, renting a movie, camping, $1 movie theater

-It's amazing how easily additional services creep up on you. You sign up for one, and then another, and eventually you've got many. Here's just a partial list of stuff that adds up- Cable TV, DSL Internet, Netflix, Yahoo Music Subscription, cell phone, 3 magazine subscriptions

-Considering halting the Blockbuster DVD service, or trimming it back from 3 DVDs at one time to 1 DVD at a time.

-Shave your home telephone bill by going to a 3rd party long distance carrier. They have great rates by the way, with no monthly fee or minimum usage requirements.

-Ditch one of your cell phone plans in favor of Prepaid. You’ll save $20-$30 per month depending on how many minutes you use.

- Every year you should review your auto insurance coverage, and then shop around to a few different companies or sites to see if they can give you something better. One time, I reduced my rate by $500 per year this way. Make sure you check the rates your warehouse club offers if you are a member. Or if you aren't a member, check anyway. A $500 annual savings is worth a $35 annual membership.

-Save a little by using credit cards with a 1% payback, and use your card for everything. The catch is to make sure the balance is paid in full every cycle, or the plan is defeated.

-Don’t buy expensive cleaners, see http://www.practicalkitchen.com/hint_and_tips/home... for some good ideas

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Go with the stock market. At a younger age you can be more aggressive and so have more risk. Some people would say look into mutual funds, but even those aren't aggressive enough. Try looking into companies that you support that have a good product and room for growth. Research some companies by looking at their news and stock history. Pick out a few stocks so it will be diversified enough. Then get an account from Schwab or Scottrade to buy them. Reading up on the info may be a little time consuming, but it's very important. Learning is the best way to increase money. For your account, get a Roth IRA to save for retirement. If your underage, you'll need a parent to control your account.

You did not mention your age, if you have a job, what your family situation is. All these factors are important. Do you have an allowance? Do you live at home?

The basic rule is to spend less than you earn. You have to figure out the details.

There is already alot of info for you...the only thing I can add is to NEVER EVER EVER LEND PEOPLE MONEY and hanging out with like minded people will help alot. I didn't make the smartest decisions with money and friends when I was younger( I lived paycheck to paycheck and wasted my money partying and lending out $50 to the guys at the bar who promised to pay me on their next payday, YEAH RIGHT!!!) Well, live and learn BUT, learn from others mistakes instead of making them yourself...Good Luck

this works well for me get two bank accounts one being your standard , the other a high intrest saver , when you get paid your wage salary whatever. transfer a realistic amount of money into your high saver account , ( by realistic I mean do not save money you will need to get by to your next paycheck) a good way to now how much to save is to work out your weekly budget , rent , food entertainment etc ... now the money you have remaining after you work out your budget is the amount you transfer into your savings account when each paycheck comes in .

3 easy steps to save -

make it regular ie once a month, once every two weeks, or whatever is convenient for you

make it automatic - that way you don't even think about it

make it inaccessible - as much as possible. you'd want it so that you could get at it in emergencies, but for the most part, keep it somewhere where you can't just use it by accident or by impulse.

dont spend money! lol..dont buy anything that you dont need

spend less than what u make.

dont spend it