ways to save money...?

1. Shop at discount stores like Marshalls, Ross, T.J. Maxx, etc.

2. Look at grocery store ads and get the deals.

3. Don't eat out or go to the movies.

4. Check out DVD's from your local library. They have tons of them and it's FREE!

5. Don't buy on impulse. See something you think you need. Think about it for a day or two.

6. Get rid of "the latte factor." Don't spend money on Starbucks, etc.

Put money into a managed fund, $400 dollars a month. They wait for the payment, so you are forced to save it. Anytime is a good time to start cause it is a Long Term investment (so generally over time you can double it every say around 7 years) and it compounds. So you could get a 30% return in say 4-6 months, if u pick a good one. $100 a week=$400 a month =$4800 a year =$24000 over five years and double this by compound following the rule =$48,000 not bad for 100 bucks a week. Theres always an excuse it will go down or won't work but at least youll have 24 grand. Internet accounts are good also 5% interest and cant get at on weekends, till Monday morning. Just dont ask for a card. Get a timer for your oil heater- I was living in a cold climate (Orange) last year and the timer reduced the bill by like $500 bucks for the quarter. From 900 to 300 and it was still snowing in November. Dont buy books on investment, you could have invested the money. If u do sell it on ebay when finished. Sell anything u dont need on ebay. Its cheap to sell and someone else benefits from something you dont need. If you have Cash pay you credit card off, this is the worst debt you can have.

Always take lunch from home. It always costs less to make a sandwich than to buy one already made.

Don't get a credit card. They're a nuisance. Save at least 10% of your income in another bank account. Get the employer to transfer it in there on payday so it never goes through your hands.

Buy a cheap secondhand car. Save up for it and buy it with your own money. DO NOT get a loan for a car. That is the biggest waste of money, and so many people do it. If you can't pay cash for a car, don't buy it, unless it's the ONLY way you can get to work. And even then, don't buy a later model car. Buy a basic, older model. Yeah, they chew through the petrol, but you'll be forking out big time for repayments and interest, compared to the extra fuel usage.

When you leave the house, take only cash with you, and only a small amount. That way, you've instantly limited how much you can spend.

Do you really need to move out? Could you instead live with your parents and pay them board? That would be far cheaper than moving out on your own. Believe me, I've been looking after myself since I was 14. It's far cheaper to stay at home with Mum and Dad, even if you need to pay board.

Get a second job. Get a part time, after hours job like cleaning or food retail, and put away all the money you make from that job. Yeah, you might get taxed more, but in the end, you'll earn more money, and probably get some of that tax back. I'm an Aussie and I work 2 jobs. I always get a huge tax return because I choose to pay extra tax. It's like winning lotto every spring.

Best wishes.

Get a high interest savings account and automatically put a portion of each paycheck into that account.

Download money managing software that lets you enter all of your bills/earnings/spending so you know exactly where your money is going.

Before buying anything, ask yourself if it is a necessity or a "want". Think twice about buying items which aren't a necessity. Put the item on hold if it is a "want" and if you really really want it, you can go back and get it later after you have though about it.

Eat meals from home, make your lunch/breakfast/supper instead of going to a restaurant.

Make a budget of how much you can spend on certain items. Put the cash in an envelope and once the money in the envelope is gone, that's it for the week. That way you can never spend more than you have. Write down/keep track of receipts so you will see where you are spending.

Don't go out to eat - mac & cheese, beans & franks, etc. are fine

Wear "last year's" clothes. The only time you get new clothes or shoes is when they don't fit or are worn out to the point of indecency. When you do buy clothes, go to a thrift shop or second hand store.

Get a second, part-time job if you can

No cable TV - no cigarettes - no alcohol (although if you're 17 I guess you're not buying cig's and beer anyway)

Walk everywhere to save gas and/or bus fare.

Sell stuff at the pawn shop, have a garage sale, sell it at a flea market, or sell stuff on Ebay for extra cash.

If you have room, plant a small garden for fresh vegetables that are much cheaper than buying them in the market.

You can't go wrong with a huge 2 Liter bottle of soda (empty of course) and fill it up. Rolling coins is the best part of that. Or get a savings account, put the amount of money you won't use in it and don't touch it. I do that with my hubby. It is money we just forget about and don't think of it as part of his paycheck, that way we have money if we need it.

Keep track of where your money (every penny) is going for a couple of weeks, then you'll know the best areas to cut back.

You can also try "rounding up" ie: if you buy something for 8.50 take the extra .50 and throw it in a jar and save it that way.

The object of saving money isn’t to do without. Nevertheless, financial experts agree that the best way to save money is to not spend as much. It’s the most simple formula in the world, but hard to follow. if you indulge in any of these habits, quit. At the very least, consider cutting consumption by half as just one way to save money.

Other impulse purchases can add up just as quickly. Buying a magazine off the rack in the supermarket checkout, for example, is expensive.Even a pack of gum makes a difference. An average pack costs 85 cents at a convenience store.

These little “nickel and dime” purchases are what mysteriously eat away at expendable income, thus they are the easiest to curb. Before you know it, you’ll have an extra $20-$150 or more in your pocket every month.

Avoid Unnecessary Fees

So your bank charges an additional $2 for the convenience of using another institution’s ATM – and you think that’s okay? Bouncing checks, paying for overdue DVDs, not having enough change for the meter, which results in a multi-dollar parking ticket – these are just extra taxes on your hard-earned income. You also don’t want to incur late fees on utilities or credit card payments.

Make a plan of action as to how to avoid paying these extra charges, and you’ll save money immediately.

Eating Out

If you slip into a drive-thru or the nearest deli for your daily lunch, you’re spending an average of $7 each day.

Try packing a lunch at least three days a week.

If you must have a pizza fix, back it off to once or twice a month, and use a coupon. Better yet, learn to make your own for far less. For other meals out, choose a fine restaurant once or twice a month, rather than frequent fast food, or find a discount for a new place to make it more entertaining.

Eating In

Cooking for yourself, rather than buying a lot of pre-packaged food, is healthier and less expensive. How can a family manage to eat well on a budget? By planning ahead.

Sit down and think about the foods your family really likes the most. Create a two-week schedule with those favorite meals, allowing for four days to try a new recipe, and four days where the main meal will result in leftovers the next night. From this plan, you can then make a shopping list, and start to look for big bargains on what you use most.

Use coupons for what you really consume, not what the marketing department wants you to try.

Stew small cuts of meat as part of a full recipe in a slow cooker for better flavor, as well as spending less per pound and getting extra meals.

Purchase frozen vegetables, which are as good as fresh, but not as expensive.

Entertainment

Everyone needs a night out or a fun leisure activity, but that doesn't mean you can't hunt around for deals.

Rent movies from the library

If going out on a date, do lunch and a matinee, rather than dinner and a night movie

Keep an eye out for inexpensive concerts and other performances

Invite friends over for a potluck party

Make many of your children's playthings and art projects

Remember, playing frisbee in the park, having a picnic by the lake, and other energetic outdoor activities are almost always free.

Ways to Save Money for the Future

The little steps you’ve taken to find ways to save money daily are preparation for the bigger gameplan: saving money for the future.

Financial guru Dave Ramsay suggests creating special envelopes to set aside the money for specific things: a new TV, vacation, furniture, and so on, instead of buying on credit. The top tools of successful money management include saving more ahead of time so you can pay in cash, or have it set aside so you can immediately pay off the credit card bill.

If you don’t already have a savings account, sign up for one today at your local bank. Or, consider an online savings account like Citibank Direct, which is FDIC-insured, charges no monthly fee, and offers a return on savings of four percent or more.

Once you have changed your mindset about the ways you can save money, you’ll find a windfall of opportunities to do so.

Additional Resources

66 Ways to Save Money is an online resource offering additional ways to save money.

got some ways?

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have a garage sale to sell stuff and u could have some extre money

o u can get a piggy bank to save up some extra cash.

Don't spend any penny unless you extremely have to

Like don't go & eat out, and forget about shopping...sad but it will save you money that you need

The more you hold yourself & not spend the more money will get saved in your pocket by the end

Good luck