Money Saving Tips
Stop! Read This To Get Some Money Saving Tips!!
As a financial adviser, I would like to share with you some money saving tips.
Here Are Some Tips To Start Saving Money
1) The first thing you should do before you try to save money is to analyze your income and expenses step by step to see where you could save money. The first thing you should do is, right down all your income, whether if its only a side income or even a government grant of some kind. Don’t leave anything out!!
2)Write down your expenses. It’s usually a little difficult to write that down on the spot, so here are some tips to do that:
a. First of all start with your monthly budget by getting together all your bills from at least the last three months of electric, gas, property tax, phone,internet, all subscriptions and anything you could think of that is part of your monthly expenses, and then calculate how much your average bill is a month for each bill.
b. Calculate your food expenses, the easiest way to do that is to calculate how much it costs you for your average breakfast, lunch, supper, snacks and extras like going out to eat. A easy way to figure out what your expenses are, is to write down every day for a week what you had spent that day, and on what, food, clothing, gas, don’t miss anything!!
3) After you wrote down all your expenses that you had that week, calculate it and then try doing it for another week and see what the difference is. If they are very similar then just take that total sum and times that by two and you will know more or less what your monthly expenses are. If they are not similar then try it for another week and see what your average is after all, per week. Don’t worry, you don’t have to do this forever, once you do it once you will have a better picture what your expenses are and then you will be able to see where you can save money in the future.
4)After you wrote down All your income and expenses now see if they match up,are your really earning as much as you spend or you are spending moor than you earn??If the answer is that your spending moor than you earn (which is like most of us) than I would like to share with you some money saving tips to help you overcome that habit.
The first thing I would like to share with you is how to do your food shopping without overspending.
1)Write A itemised list of what you need before you go shopping,it will help you focus on what you need and get it,without noticing everything on the way that you don’t need,this could save you A lot of money in the long run.
2)Don’t Go shopping when you are hungry,Because statistics say that people tend to spend moor when they are hungry
3)Do not bring your children with you when you go shopping they tend to want to buy everything in sight which will definitely not save you any money
4)Use cash rather than A credit card it limits your spending
Money Saving Tips
Hear Are Some Moor Money Saving Tips That Will Help You Save Money.
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15 Money Saving Tips For Families
Author: Dee Adams
There are many big and small ways to save money. Here are some money saving tips for families for these tough economic times and beyond:
1. If you use credit cards, switch to cards that pay you back – either cash dividends, miles, gas, or goods that you can actually use.
2. Cut your kid’s hair yourself – you can pick up an easy “how to” book at your local library. This money saving tip has the added bonus of flexibility and convenience – you can do it whenever you feel like it.
3. And speaking of the library – you can spend a lot of money on kids books without even realizing it. You see a book your kid really likes and it’s only $5.99 and before you know it you’re out $50. Most likely your kid will read it once or twice and get bored with it. Solution: get a library card and visit your local library on a regular basis. Many libraries also have Story Time and other fun activities for kids of all ages that will have your kids looking forward to the weekly visit.
4. You can save huge money by coloring your own hair or doing your own highlights. You can save about $50 for each color ( x 6 times a year = $300) and about $100 for highlights ( x 4 times a year = $400). It’s really easy to do once you get the hang of it. You can find kits with instructions at your local beauty supply store.
5. Take with you snacks and drinks for the kids on family outings (unless you go to a place that specifically prohibits outside food and beverages). Bring a bottle of water with you and fill it at the water fountain. Not only will you be saving money, but also time standing in long lines and ending up buying junk food and caffeinated sugary drinks you had no intention of buying in the first place.
6. Bake your own muffins, brownies and cakes (from a ready mix) – as a single mom with a full time job I always have to weigh cost savings vs. time savings. To me, If I have to slave over an elaborate cake for a few hours in the kitchen it’s not worth the money savings. But if I buy a ready mix and have a dozen cup cakes ready in minuets and save some money in the process, I’d give it a thumbs up. Better yet – let the kids do the mixing, and you’ve got another fun activity to add to your list.
7. Buy generic: prescription drugs, over the counter drugs, cleaning supplies, groceries, ink cartridges, and anything else you can find.
8. Let your kids wash your car – what kid would say ‘no’ to such a fun activity?
9. Instead of buying 3 extra large Pepperoni Pizzas for $60 for your kid’s birthday party, make little cute sandwiches with Turkey & Cheese and PB & J. Everybody will love them.
10. Cancel your gym membership and ride your bike with your kids.
11. Some people swear by the savings they get by switching from paper napkins to clothe napkins, but I’m not a big fan. You’d still have to spend money, energy and effort on washing, drying, folding and putting them away. Paper towels are just so easy that it’s hard for me to make a case for cloth napkins, but if you like the idea – go for it!
12. Same goes for making your own play doh – some mothers just love making it themselves and love the money savings, but for me it’s just too much work and not enough savings. But again, if you like the idea – go for it!
13. Only run your dishwasher and washing machine when they are full. Another oldie but goodie.
14. Switch your Premium Cable package to Basic package and get Netflix instead.
15. You can find and print free eCards on the Internet for all holidays and any kind of occasion. You can also have your kids make their own cards for Valentine’s Day, their buddies birthday parties, and holidays. Those Hallmark cards are SO expensive!
To find more tips, birthday clubs, coupons and discounts, please visit the “Cool Parents Resources” section of our “Cool Kids Places” website: http://www.cool-kids-places.com/parents-resources/articles/money-saving-tips-for-families.html.or
Article Source: http://deeadams.articlesbase.com/home-and-family-articles/15-money-saving-tips-for-families-799707.html
About the Author
Dee Adams is a mom to an 8 year old boy and the owner of Cool Kids Places, a website for parents looking for fun and interesting places to go with their kids.
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