15 Ways to Save Money Every Day
It’s great to look at the large picture when saving money – 401k, retirement funds and stocks – but you can also focus on the small stuff every day to save more money and keep yourself financially fit.
This doesn’t mean you have to be cheap; but it will take some discipline and a prudent approach to everyday living and spending.
Stop going out at night: Be reasonable about going out to dinner or for a night on the town. Stay in and get a movie and prepare a romantic dinner or better yet a few appetizers that you can snack on during the film.
Don’t rent movies: Visit your local library and get a movie for free. You can enjoy a relaxing time at home and rediscover your cooking skills.
Speaking of the library: Join the library for free movies, music and movies. Your local library also offers a variety of events such as book reviews, learning new computer skills and other hobbies.
Buy store brand items: Unless you are absolutely sure a brand name item is better than a store item why waste the extra money. You’re only paying for their fancy packaging and advertising budget. From aspirin to cereal the deals are there for the taking.
Comparison shop: Don’t be impulsive; you may see something you just “have to have” but why spend the extra money? Calm down and walk away; there’s a good chance you’ll find the same item for less online or at another store.
Use coupons: Food stores and other retailers like Target and Wal-Mart have coupons galore. Take advantage of them and while you’re at it, check out the rebates offered on products. Spend the few minutes to fill out the rebate form, the savings are worth it.
Make a food list: Going into a supermarket without a list is financially reckless. You’ll end up spending money on all sorts of things that you don’t need. Make the list and stick to it.
Stretch your meals: Just add rice, beans or vegetables to a protein product like ground beef and you’ll have more of a meal. Chop up chicken breast and add beans and salsa for a hearty and healthy dinner.
Take leftovers for lunch: If you find that leftovers are being wasted try packing them up right after your dinner and store them in the fridge for the next day.
Save change in a jar: It’s always fun to see how much money you can actually save. Start today.
Pay yourself: If possible take 5% of your paycheck and have it deposited directly into a savings account.
Compare insurance: You may not need full coverage on your car; call your agent for assistance. And compare prices on homeowners insurance, you may be surprised.
Turn off the lights: When you leave a room turn off the lights, same with the television, don’t leave it on.
Weather-proof your home: Plug the gaps that let in warm or cold air, check for leaks around your windows and doors.
Pay your bills on time: There is nothing worse than wasting money on interest charges and late fees. Make a habit of paying your bills in a timely manner.