1.
Cut up credit cards
Credit cards are bad, bad, bad unless use wisely. Using them wisely means to use them ONLY for emergencies.
1 point - added 16 years ago by jflory -
2.
Use freecycle and craigslist to find free items
People do not like to throw things away. Often they will offer their unwanted items to a new home for free or little cost.
0 points - added 16 years ago by jflory -
3.
Turn out lights when leaving a room and unplug appliances not in use
You would be surprised how much this will save you money on your electric bill.
0 points - added 16 years ago by jflory -
4.
Teach your children how to save money when they are young (which will save you money in the long run)
If your children understand the value of money, they will be less likely to spend yours so freely.
0 points - added 16 years ago by jflory -
5.
Shop at thrift stores
One man's junk is another man's treasure. And sometimes one man's junk is brand new or barely used!
0 points - added 16 years ago by jflory -
6.
Make gifts instead of buying them
Making special gifts for family and friends give you the chance to show them how well you know them and how much you care.
0 points - added 16 years ago by jflory -
7.
Host a potluck dinner with friends instead of going to a restaurant
How fun is a potluck? Extremely fun, especially since you don't have to pull out your credit card at the end of the meal.
0 points - added 16 years ago by jflory -
8.
Grow a garden
What's the cheapest way to eat? Grow your own food. The cost of a package of seeds is often less than $1. Grow your garden with love and it will reward you with plenty of food to eat and share.
0 points - added 16 years ago by jflory -
9.
Eat leftovers for the next day’s lunch or dinner
If you don't like the idea of leftovers, just think of it as a preplanned, precooked meal for the next day's meal. Be creative and make a new meal out of the leftovers.
0 points - added 16 years ago by jflory -
10.
Do not bring kids shopping
Kids love to spend their parents' money. I think they may be born with this talent. Even if you have to pay a babysitter a few bucks to watch them while you go out shopping, it will be worth the money saved. Trust me on this one.
0 points - added 16 years ago by jflory -
11.
Create and follow a budget
The best way to track your spending and save your money is by creating and following a budget.
0 points - added 16 years ago by jflory -
12.
Cook at home instead of eating out or buying prepared meals
The cost of buying ingredients for a meal is far less than what you would pay for the exact same meal as prepared at a restaurant. If you don't know how to cook... learn.
0 points - added 16 years ago by jflory -
13.
Clip coupons and only buy items on sale
These days there is a coupon for everything. Scour the newspapers and the Internet before going shopping to see what deals you can find!
0 points - added 16 years ago by jflory -
14.
Carpool to save on gas and auto expenses
Chances are that you and somebody else within a close vicinity to your home are heading to the same place on a daily basis. Find carpool buddies through networking or posting a flyer in your public library, grocery store or other high-traffic area.
0 points - added 16 years ago by jflory -
15.
Cancel cable TV or downgrade package
Ask yourself, "Do I really need 5,000 channels? Or can I live with 1,000?"
0 points - added 16 years ago by jflory -
16.
Brew coffee or tea at home instead of going to Starbucks
Starbucks Mocha Frappaccino: Tasty? -- Yes. Worth the money? -- Definitely not!
0 points - added 16 years ago by jflory -
17.
Borrow books, movies, and CDs from the library instead of renting or buying them
Never buy books, movies, or CDs. Do you ever really get your money's worth? Even rental fees add up quickly. You can burn copies of CDs you borrow from the library onto your computer, CD, or Mp3 player for free.
0 points - added 16 years ago by jflory -
18.
Attend free local events
Browse the entertainment section of the newspaper (which you can read for free at your public library) to find free local events for weekend entertainment instead of paying to go to the movies or out to eat.
0 points - added 16 years ago by jflory -
19.
Always pay with cash
Paying with cash forces you to determine if the intended purchases is a NEED or a want.
0 points - added 16 years ago by jflory -
20.
Always bring a shopping list to the grocery store
Strictly following a shopping list at the grocery store will help you resist buying items you do not need can not afford.
0 points - added 16 years ago by jflory -
21.
Accept hand-me-downs for kids clothes and toys
There is no need to spend your hard-earned money on brand new clothes and toys that your children will outgrow or destroy in a matter of weeks or months.
0 points - added 16 years ago by jflory -
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