Saving Money Tips

Article by Alex Stapledon

Earning money is a sure hard thing to do. And when the hard earned money is already in your possession, it becomes even trickier to make that valuable amount remain in its place! These days that the cost of living and the price of commodity has been soaring high, putting aside and correctly using cash is of huge significance.Extravagant and thrifty ones alike are challenged by the task to save money. If you are saving money, you will soon discover that it is easier to say ‘saving money’ that actually doing the ‘saving money’. Spending less money is not all there is in Saving. Time and again, you hope to set aside some cash and sooner or later discern yourself almostmore or less not making up what you have planned particularly if there are debts left unpaid. You should know and remember the maneuvers of money saving techniques.A goal is important in saving money. Prompted by some things you wish to buy, eventually you’ll have to stash away cash so as to pay for it. Though before saving, settle first the debts you still need to pay. Stashing some cash for saving is easier when you are already free of debt. Knowing where your money goes is a must. utilising an account at one of the major banks can help this process.Arranging a time frame for putting aside some money is as well helpful. If there’s a goal you plan to achieve, then set the time period within which your saving will happen. Decide on your goal’s feasibility within the time frame to prevent disappointment if in the end your goal was not met. Preparing in advance does not hurt especially if that plan is set on more productive purposes.Documenting of your spending is an additional tip in saving money. For each month there are bills to pay and pantries to refill. Make a list of all potential outlays and expenses to make for a definite month like electricity, water and telephone, groceries and tuition fees. After everything has been included in the budget, there will be a surplus in your money and can then be set aside for saving.Expenses can be quite unpredictable in real life situations. Costs of supplies as well as travelling fees vary every now and then, bending your budgeted and saved money. Times would present that your expenses be cut or search inexpensive substitutes for your supplies. For instance in buying, you can do  weekly shopping instead of an everyday trip to a side store or  market.A certain portion of your paycheck is set aside for weekly spending. It is important not to use more than that allotted sum in a week because you would  touch your next weeks’ budget thus changing your plans and goals.Another factor affecting your plan to save money is impulse buying. Malls are abundant with products enticing us to excessively spend. Diminutive bits and pieces like breath mints and candies, coffee at starbucks and leisure magazines are those items you purchase with no awareness you are doing impulse buying. Also another spending problem and hindrance in saving is the use of credit cards. So purchasing with credit cards, eventhough it seems workable and payable. It will only give you piles of debts instead of wads of cash for saving.

About the Author

Alex Stapledon is a writer for Banks, Australia’s leading banking related website.

1) I cut my own hair. I bought a buzzer, and it lasts about a year. I used to get a haircut every month, at a cost of (including tip, not including gas money to get there and valuable time spent there). So I save the cost of about 11 haircuts a year. I do the same for my three sons, saving another 36 haircuts (at each). Annual savings: 0. 2) No Cable TV. We watch DVDs, or read. I don’t spend much on DVDs either (probably less than most people, per month). Cable costs about /month. Annual savings: 0. 3) Became vegan. I eat a lot of fresh fruits and veggies, which are expensive, sure, but you are supposed to eat those whether you’re vegan, vegetarian or a carnivore, so I don’t count those as extra expenses. The real comparison is between meat, and the protein substitutes I use. Most of my protein comes from tofu, although I do eat beans and soy protein such as fake ground beef or soy burgers. Overall I believe I save about -3 per day not eating meat. Annual savings: 0. 4) Don’t use the gym. I used to be a member of a gym. Didn’t use it much, and still got charged for a full year. Now I get a lot of exercise, but I do it at home and on the road. I do strength exercises in my living room and jog (and will soon start cycling and swimming). Annual savings: 0. 5) Rarely go to the movies. I used to go out to the movies at least once a week, and sometimes more. I slowly made it every other week, and now I don’t even go once a month. Now we take the
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A Few Helpful Saving Money Tips

Article by Frank Rodriguez

With regards to helpful saving money tips there is a lot that can be done to strengthen your pocket book and it can often just be an issue of taking an approach which is more realistic and deciding to sacrifice a few indulgences. When making a few alterations in this regard the impact can be very noticeable and it is a good habit to get into.

We are in a tough economic times when it comes to personal finances and so it is wise to seek as many ways as possible to help us manage this. If our finances remain healthy then it gives us more options in our lives and helps us to have a lifestyle that is more balanced and healthy.

Plan ahead is good advice and excellent place to begin. Expenditure which is unplanned, also known as impulse buying is a major culprit that causes people to part with money they can ill afford to lose. Food outlets and supermarkets are designed to make you do just that so due care and attention needs to be paid so that you can avoid falling into their traps which will be detrimental to you in the long term

One place to start which can be useful is food. Recently prices have got even higher. This means that if you do not plan your meals then you will be reliant upon convenience and fast food options which are nutritionally worse for you and more costly as well. Make a detailed list when shopping for groceries and make sure it is based on what you will eat from day to day. Never stray from the list.

When you have done this you can then move on to other concerns . The fuel that is used to heat your home cooking purposes has also risen a lot in recent times and is one thing which is costing the average household more and more making it something that is worth your time and attention

A time heating system should be implemented so that you are making the most of your energy. You can also try cooking in bulk as this means you will spend less time cooking and made additional savings. You can also shop around to get the best supplier and remember that theirs is a competitive business so use this fact in your favor.

Never go shopping unless you have planned an expenditure. Even if you consider this to be a key part of your leisure time you should be aware of how much it can add up when you make purchases of things like clothes and electronics and these are all bought when you are just browsing and are not always used to their full effect. Stop this being something you do and replace it with a hobby that does not involve spending.

If you find that you still need to make adjustments to tighten things up then further sacrifices will be required. Every little thing that you buy tends to add up and to make a real difference. It is a wise option just to sit down and make a list of each and every thing you want or need. When you do this take time to study the list so that you can make a change for the better.

Savvy Grocery Shopping Tips

When it comes to getting more for your money, every tip helps, especially with the rising cost of groceries. What I like to do is to get the grocery ads when they come out each week, along with getting the Sunday newspaper for the coupons it has in it. We have a local free shopping guide in our area which has all the grocery store advertisements in it from each store. You can also go online for some of your all around favorite products, and let the manufacturer know that you like and use their products, and then ask them for coupons to use at the grocery store to save on buying them. Also clip the coupons for the products you like to buy, and look for the grocery store that doubles or triples the savings on coupons up to a certain value that you will be buying. Where you really make out good is when a store has your item on sale or a buy one get one free, and you also have a coupon for it, especially if the coupon can be doubled or tripled. Some of the store brand products are the same as name brand products that sell for more. If you try a product with the store’s own label and you like it, you can keep buying it, and save money that way also. Remember- A penny save is a penny earned! (That’s what my mother used to say) Good-Luck on your next shopping trip…Hope you save bunches of money! P.S. Let me know if this helped you, and if it was worth the effort of using coupons for you.

Saving Money Tips

Article by Aaron Aldama

Let’s go over some money saving tips. Most people do not realize how far they can stretch their hard earned dollar. A dollar can go a long ways, you just need to realize how to use your money correctly. Saving money requires self discipline and organization. Most people are always short on cash but they do not realize or are not on top of their finances.So I will go over some money saving tips.

First you must balance your checkbook. This is key if you do not know where your money is going, how will you know where to cutback. So balance your checkbook and then start to create a monthly budget. Your budget should include fixed income and fixed expenses. Fixed means money you know will be coming in monthly and expenses you know you will have to pay. Next setup your variable income and expenses. Variable means the amounts can change from month to month.

Next make a list of things you need like food, housing, transportation and anything else that comes to mind. Then make a list of things you don’t need but you buy anyways. So go down the second list and cut out what you can live without. If you are spending 5 bucks on coffee at Starbucks a day, that is something you should cut out. Instead go to your local store and pickup coffee there. Instead of eating out buy in bulk and freeze the food you do not need. Little things like this will save you tons of money.

Follow these basic money saving tips and you should see excellent results. Next after you have saved up a good amount of money, use it wisely. Sure it’s always nice to buy that new car but what about if you let your money work for. Instead of you having to work for your money. Just something to think about, hope you enjoyed these money saving tips.

About the Author

Aaron Aldama runs his own successful Import/Export business. Visit Money Talks To Learn How To Create Wealth.

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3 Saving Money Tips for Surviving Today’s Economy

Small things can make a big difference and nowhere does it apply more than money. There are times when we scoff at apparently small steps and are cynical how much these steps can save money for us. But in reality, a series of small steps can really go on a big way in saving a lot of money for us.

Often, these steps may not directly seem to save your money (for example, boarding a bus to your office instead of taking that cab), but the reflection of the cost saving power is reflected in the monthly bills that you have to pay. As they truly say that a dime saved is a dime earned. The tips below will discuss some saving money tips.

Tip one: take the greatest care of your health: When it comes to our health, we often act in the “penny wise pound foolish manner”. All of us know that if we are proactive and take good care of our health, not only will we can prevent a lot of illnesses from occurring, but can also save a lot of money.

Let us take an example; you have been having problems with your kidney and these are early signs of a bigger trouble ahead. But you decide to put the visit to the doctor off and save the fees instead. Later, when the kidney problem aggravates and you are prescribed an expensive treatment, you wonder why not you had taken preventive steps earlier.

Hence, take the greatest care of your health, preempt risks and see your doctor periodically. All these are good saving money tips.

Tip two: switch off electrical appliances and products when not in use: Get rid of situations when electrical appliances are switched on when they are not required. For example, if you are not in the room, switch off the lights. When you are operating the air conditioner, keep in mind to keep the air conditioner in normal mode to save a lot of electricity.

This is a good save money tips. Also, be wise when buying electrical products and appliances. Preferably, buy electrical appliances from reputed brands as these are passed through electric consumption tests. Check whether a specific appliance enables you to save electricity and how much of electricity can you save totally. Do a compare and contrast and then buy. All these are good saving money tips.

Tip three: save fuel: A lot of fuel can be saved when you are driving a car. When you are standing at a traffic signal and you know you will be stranded for a specific amount of time, turn the ignition off. This step can save a lot if fuel and it is one of the coolest tips to save money.

Want more saving money tips and ideas from on getting the most out of your tight budget? Check out our free special report and e-course on money saving tips today!

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Saving Money Tips – You Can Save Money And Still Enjoy Your Travels

These saving money tips show how little things can quickly add up and become big savings. These are practical money saving tips that are easy to apply.

Your Food and Drink Saving Money Tips

You can save money on food and drink by dining with the locals, instead of choosing restaurant where all the tourists are.

You might also want to drink what the locals drink, the price difference between imported and local beer or wine can be immense.

If the water is safe to drink you can re-use water bottles instead of always buying a new one. If you have to buy water it can be more economical to buy a large bottle and keep it in your room and fill smaller bottles to take with you on your excursions.

Find a local supermarket and make your own breakfast, lunch or snacks… and even dinner in between.

Your Sightseeing Saving Money Tips

Always start your trip with visiting the local tourist office. They usually have discount cards for all major attractions and know what deals are currently on offer. While at the tourist office you should take some of those advertisement brochures. They give you a good idea of what is going on and what attractions are popular. Many of them, especially the maps also contain ads for discounted tours and meals.

Many cities and organizations offer multi-passes to their attractions. You get access to many attractions for much less than if visiting them all separately. It’s easy to calculate how many attractions you need to visit to save money by buying a multi-pass or not.

Wherever you are in the world there are many free things you can do. Most cities and towns have free public parks or spaces which are ideal for “people watching” and to get to know the locals. You should also be able to easily find free public beaches / lakesides and walking trails in most countries.

Many museums don’t charge admission fee and those that do often offer free admission at certain times, like during the last hour of the day or on certain days or evenings during the week.

If you qualify for international student card you should definitely get one. It could save you a third, sometimes even a half, of the admission fee to many popular tourist attractions worldwide. It could also save you money on flights and other travel cost… and other expenses as well so it’s definitely practical saving money tips for those that qualify for an international student card.

If you are travelling with young children you can usually find free playgrounds which young kids are likely to enjoy as much as visiting expensive amusement parks.

More Practical Money Saving Tips

Your choice of transportation while on holiday can have big impact on how much you spend. Check distances, walk if you can, use buses instead of taxis when you can’t walk, except late at night. Then always take official taxi… if you really must stay out late.

Many cities offer transportation passes or travel cards that can save you good deal of money on city transportation.

If you have an iPhone or similar wi-fi enabled cell phones, you can save money on long distance calls by downloading Skype onto your phone and use free wi-fi access to make free or cheap phone calls (many libraries and many hotels and cafes offer free wi-fi or internet access).

Buying books in other languages than the local language tends to be expensive. Unless you are travelling with ebooks and ebook reader, you might want to consider book swapping. Many hostels and cafes offer book trading, usually for small donation.

Get your washing done by local laundry rather than your hotel as hotel laundering tends to be quite expensive.

Learning few words and phrases in the local language is always appreciated and can give you better bargaining power and result in lower prices.

You can find more saving money tips on Top Travel Tips.

Asa Gislason and her husband are the founders of, a website that offers relevant, accurate and practical international travel tips and advice. Their focus is to provide you with relevant travel information that can save you time and money when planning your next trip. They also provide information about products and services that can enrich your travel experience even further.

You can find more money saving travel tips on the Top Travel Tips website.

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