Spend and Save Money Wisely On Everything

1. Don’t use the dryer – Air drying your clothes instead of using t he dryer will save you money on your next electricity bill

2. Use a Fan – Instead of using the a/c in your home, try using the ceiling fans for regular standing fans to reduce energy usage.

3. Leave Your Cards – If you leave your credit cards or debit cards at home, you can’t use them when you are out right? Try carrying a small amount of cash in your pocket or how much you think you’re going to need through the day. This helps you save money now and in the long run.

4. Use Your Neighbor’s Internet – You are paying about $15-$20 a month, maybe more, maybe less. Ask your friendly neighbor if they are willing to share a wireless internet connection with you and pay it 50/50.

5. Take food from Home – When you have a full 8 hours to work, you are going to need your energy so take something healthy from your home and save money. You can also make your lunch longer when taking food from home because you won’t be out there buying fast food and using up gas.

6. Ditch Your Vehicle – I know you’ve heard this one already so I won’t elaborate to much. Walk to your destinations! Work, grocery store, friend’s house etc. Gas savings=money in your pocket.

7. Downgrade Your Phone Plan – Taking text messaging, video messaging and lowering your minutes can save you some loot. If you can’t live without these features, consider a contract-free, flat-fee phone like MetroPCS. MetroPCS is offering unlimited minutes, text, video on a contract-free plan for a low as $50 a month!

8. Make a gift – Instead of going out and buying a present for a friend of a significant other, make them something. You can make a special card or a mix cd; maybe even a rose made out of paper. You can be as creative as you want without denting your wallet.

9. Lower Heater Temperature – You can save 3%-5% in energy costs by lowering the thermostat setting on your water heater according to the U.S. Department Of Energy.

10. Change Your Light Bulbs – Making improvements to your lighting is one of the fastest ways to cut your energy bills. An average household dedicates 11% of its energy budget to lighting. Using new lighting technologies can reduce lighting energy use in your home by 50% to 75%. Advances in lighting controls offer further energy savings by reducing the amount of time lights are on but not being used. Compact fluorescent bulbs are four times more energy efficient than incandescent bulbs and provide the same light levels.

11. Save Gas Money – There are 12 tips I wrote on to save money on gas. Please feel free to check them out here!

12. Get Membership Cards – You don’t know how much it pays to get a Safeway card, I save almost everytime I buy something from there. It feels good too. I save 10 cents a gallon on a Safeway gas station everytime I fill-up. You can save a lot of money with these membership cards for Costco, Safeway and Smart & Final.

13. Eat in, Save more – It’s common sense really, the more you eat in the more you save from eating out right? YES! So learn some new recipes online and start cookin’. You learn something new to cook and you save money. Why not right?

14. Shut Down Computer – Your computer consumes a lot of energy so it’s probably a smart thing to turn your computer off when not in use. I don’t care if you are just going to the restroom, doing this every time you go to the kitchen for a glass of water, to the bathroom, outside, watch tv, you should turn it off and save some cash. It will add up, it just depends on how much money you want to save.

15. Search online – Before purchasing anything in the stores, make sure you are getting the best possible price for the item. Other stores might have the item you want for a discounted price without you knowing. Do your research first by reading reviews for products and finding the best prices and deals. This is almost guaranteed to save you money.

16. Collect those coupons – All that junk mail that comes in finally pays itself off with promotional coupons but be careful, don’t just use them because they came through your door. Only use them when you need them. If it’s a coupon to get something free then that is up to you but if it will save you a buck or two on the product, hold off until you absolutely need then item(s). Using coupons will save you a handfull a year!

17. Buy used – Whatever it might be, try to buy it used. Books, pens, notebooks, paper, alarm clocks or a car are all for sale as used right now. Garage sales usually has some new things you can buy for dirt cheap and online has a lot of good sources to buy used items such as ebay.

18. Visit the Library – Get free movie rentals, free book checkouts and free internet usage. If you always wanted to read a book but didn’t want to buy it then rent it out for free at your local library. There are tons of movies you can rent for free to have a frugal movie night with some popcorn.

19. Get A Checking Account & Pay Online – When paying your bills online with your checking account you are saving time, money and gas. You save time by not having to get into your car and drive to the post office or wherever you need to pay your bill. You save money but not using envelopes and postage stamps and you save gas by not having to drive to your billing destinations. Savvy?

20. Learn To Print Wisely – We’ll I think a lot of people know how to print but there are some things you can do to save ink/money while printing. You can try only selecting what you need to print instead of those useless ads that print out which take up a lot of ink. A couple of tips include: Using both sides of the white paper, selective printing, black and white ink only and selecting a lower resolution. Oh and don’t use your printing paper as note paper. Get a notepad or use your computer for that.

22. Purchase a Fuel-Efficient Vehicle – The Honda Civic Hybrid and the Toyota Prius have been top picks for the most fuel efficient vehicles on the market. You will save massive amounts of gas while driving these cars but there is that thought about buying one so with that said this tip will better apply to those are in the market for a new vehicle.

23. Save Your Paychecks – I put 2 months of paychecks from my job underneath my bed and I only cashed one paycheck at a time so I wouldn’t spend that much. Even when I had one paycheck in my checking account, I acted like it was the only cash I had so I spent less.

24. Pay More Than The Minimum Payment – This will save you money in the long run, but you don’t have to take my word for it. Assume you have two separate $2,000 balances, one charging 20% interest, the other 8%, on which you can pay a total of 6% per month. If you were to pay 4% per month on the higher-rate card and 2% on the lower-rate card (which is typically the minimum monthly payment), you would save $961 in interest and 18 months of payments over allocating 3% to each balance. So pay off the highest interest rate card or loan first.

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