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Help On "saving"!

Our automatic plan saved us about $60 a year. 93. Helen says: February 6, 2008 at 3:09 pm I'd scoffed at the ‘take a different route' (to avoid takeways) - what no willpower? Instead of going on a big, extravagant trip, pack up the car and see some of the sights in your surrounding area. Do you have a pile of unread magazines sitting around your house?

Suggest cheap activities when meeting up with family and friends. However, if you had put this money away one year earlier, you would have made about $500 more by the same point in time without any extra effort — a small You'll still save time by not stopping, and the money you save on any unnecessary indulgences you avoid will add up over time. 85. Please read the Full Terms & Conditions, Privacy Policy, Cookies Q&A, How this site is financed and MSE's Editorial Code.

Inflate your tires. In all honesty though, if you cut your own hair wouldn't it look trashy? Mark says: February 6, 2008 at 2:49 pm I have two thoughts on two entries in your list: #53 (Brown bag your lunch): This one was hard for me to do

It's not in your lender's best interest to let you go into bankruptcy, so s/he may agree to a lower interest rate in order to allow you to pay off the If you're renting, you may want to try negotiating with your landlord for a cheaper rent. Of course, even if youre not spending more than you earn, if your aim is to save up for something specific, the techniques below will help too. Exercise more.

Or am I off base? Most people use this technique for Christmas, but it works for every holiday. To set up an automatic deposit, talk to the payroll staff at your job (or, if your employer uses one, your third-party payroll service). http://www.practicalmoneyskills.com/personalfinance/savingspending/saving/ For example, if you have leftover ham and rice from last night's meal, use them to make fried rice or black beans and rice tonight. 52.

thank you.".PPI Reclaiming Go to full Reclaim £1000s section Utilities & Phones Gas & ElectricityCheap Gas & ElectricityFree Solar PanelsFree Boiler & Loft InsulationThe Green Deal MythbusterBeat Cold Calls & Junk A clean air filter can improve your gas mileage by up to 7%, saving you more than $100 for every 10,000 miles driven in an average vehicle. My family members were impressed and all liked receiving gifts that saved them money. Flag as duplicate Thanks!

Make your own beer or wine. great post to read This keeps me from making impulse buys on a regular basis. 46. I am totally blown away. If your expenses are so high that you can’t save that much, it might be time to cut back.

Americans save only 5.5 percent of their money compared to the 20 percent that personal finance indicates you should put away. How hard is it to just leave five minutes earlier? I've used it to learn a foreign language, meet people, use the Internet in a pinch, check out movies and CDs, grab local free newspapers, and keep up on community events. Learning basic sewing skills is a great way to save some money – and extend the life of your clothing.

Most communities have a ton of free events, although you may not know about them at the time. For example, if you have leftover ham and rice from last night's meal, use them to make fried rice or black beans and rice tonight. 52. When shopping, I find myself having to re-make the same "no, I don't need that glossy magazine" frugal choice over and over. Flag as duplicate Thanks!

I'm thrilled to see #82, "Buy a smaller house" on the list, since that's my favorite!! Then, spend some of your free time in a cozy place in your house, reading away. Don't toss out pants because of a hole in them - put in a patch of some sort and save them for times when you're working around the house.

I started doing #65 a while back (home hair cuts).

Install a programmable thermostat. Consider that the national personal savings rate has dipped to the lowest point since the Great Depression. Join the Forum Spotted out of date info/broken links? Read more.

Lurker Carl says: February 7, 2008 at 6:50 am Earning more money is pointless until spending is curbed. Move bank accounts to take advantage of perks and earn more interest If you’re paying a monthly fee for your checking or savings account, you would benefit from researching some of Some of the best free online checking accounts offer this perk. 97. It is hands-down the best thing I have ever done. 39.

Avoid convenience foods and fast food. If you can find stuff to get rid of, get rid of it - it just creates clutter and it might have some value to others. Don't look at a library as just a place to borrow books. cashback)Cheap Car InsuranceBreakdown CoverPothole ClaimsPrivate Parking TicketsParking Ticket AppealsCheap Car Hire UK TravelFind Cheap Train TicketsTravelodge SalesTrain & Coach DealsDays Out Deals Holiday ExtrasCheap Travel MoneyFree EHIC CardCheap Airport ParkingMobile Roaming

Sell any electronic gadgets going unused. Spend some time with an HR person at work learning about all the benefits of your job - you might be surprised at what you find. Quite often just spending once can break the cycle for the rest of the day. Instead of hitting the town, host a fun pitch-in dinner with your friends.

You can choose when, how much and where to transfer money to, or even split your direct deposit between your checking and savings accounts. Perhaps you're inspired to make changes by your spouse - or even by someone in the community you respect. Dont buy giftsGive vouchers for your time or be arty and make something. Creating a list before you go to the grocery store is especially important.

Try to find another set of parents or two that you trust, and swap nights of babysitting with them.