I read the following article which I found very useful
for those who wants to save money. Hence
I am sharing this. Kindly read and get
the benefit out of it…………..
·
Try take-out once a month instead of dining
out.
·
Rent a video instead of going to the
movies. If you really want to go to the movies, go to the less expensive
afternoon “matinee.”
·
Or better yet, go to your local library and
borrow books, CDs, videos, and read the latest magazines and newspapers.
·
Bring your lunch to work once or twice a week
instead of buying it.
·
Don’t grocery shop on an empty stomach or you
may end up buying more than you need.
·
Cut down food costs by buying what you need
on sale, buying generic brands, buying in bulk, and shopping at discount
outlets.
·
Don’t buy a sale item or use a coupon just
for the sake of it being “cheaper.” Buy an item only if you need
it! Shop with a list.
·
Increase your gas mileage by taking care of
your car with schedule check-ups, or just drive less. Consider carpooling,
walking, taking the bus or metro, or riding your bike.
·
Cancel your cable (or at least the premium
channels), as well as subscriptions to magazines and newspapers.
·
Exercise at home rather than joining a gym.
·
Make your own coffee at home rather than
buying from a store, or at least cut down the number of times per week you
purchase coffee.
·
Get health insurance.
·
Track your spending and cash – know where
every dollar goes!
·
Organize a friend/relative/neighbor swap of
clothes, toys, furniture, CDs, etc.
·
Buy clothes for next year at the
end-of-season sales – try garage sales and thrift stores.
·
Find a simple hairstyle that doesn’t cost too
much to take care of on daily/weekly basis.
·
Take advantage of free entertainment in your
community – parks, museums, exhibits, etc. Go to free park concerts and
other community activities.
·
Try to buy with cash, checks, or debit cards.
If you use credit cards, get rid of all but one or two, and pay off the balance
each month. You can save hundreds or thousands of dollars a year by avoiding
credit card interest charges.
·
Always do your grocery shopping with a list
of items you need -- and don't buy anything that's not on the list. You
can save hundreds of dollars a year by avoiding impulse food purchases.
·
Compare unit prices on labels when shopping
(for example, price per ounce). You can save hundreds of dollars a year by
purchasing items with the lowest price per unit.
·
Avoid shopping at convenience stores. You pay
for the convenience -- the prices are usually higher than grocery stores.
·
Consider taking your lunch to work rather
than buying it. Depending on where you live and what you eat for lunch, you
could save $5 a day.
·
Review your telephone and cable bills for
services you don't use and cancel them. If you subscribe to magazines you
rarely get around to reading, cancel the subscription. You could save tens of
dollars each month.
·
When choosing a cell phone plan, find one
that's appropriate for the calls you intend to make. For example, if you plan
to use the phone only for emergencies, avoid plans with monthly fees or
minimums.
·
When your doctor prescribes a medicine, ask
if a generic is available -- you'll pay less. If you're taking a
"maintenance" medicine, consider a mail-order pharmacy -- you'll pay
less.
·
Before buying a car, compare insurance,
gasoline, maintenance, and repair costs for comparable models. You can save
thousands of dollars over the life of the car by choosing a model with low
operating costs.
·
Save hundreds of dollars a year on gasoline
by making sure your car's engine is tuned regularly and your tires have enough
pressure.
