1) Invite friends over
Almost every activity at home is less expensive than going out. Invite some friends over and have a cookout or a potluck
meal, then play some cards, dominos or board games. Everyone will have fun, the cost will be low, and the others will likely
reciprocate not long afterwards.
2) The 30 Day Rule
Whenever you're considering making an unnecessary purchase, wait 30 days and then ask yourself if you still want that
item. Quite often, you'll find that the urge to buy has passed and you'll have saved yourself some money by simply waiting.
3) Automatic Savings
Have a small amount of your pay check deposited directly to a savings account each pay period.
4) Give up expensive habits
Those habits like cigarettes and alcohol that causes money to flow away from you with little in return. Call up your
fortitude and work hard to kick the habits and you'll find that money staying in your pocket instead of burning up and
5) Hide your credit cards
Take your credit cards and put them in a safe place in your home, not in your wallet where it's easy to spend them. If you
argue that you need it for emergencies, just be sure to keep a small amount of cash hidden in your wallet for these
emergencies. Don't keep plastic on you until you have the willpower to not use it even when you're sorely tempted. Save
hundreds of dollars a year by avoiding credit card interest charges.
6) Entertaining your children
Most children, especially young ones, can be entertained very cheaply. Make a game out of ordinary stuff around the house.
Realize that what your children want most of all is your time, not your stuff. You'll find money in your pocket and
happiness in the hearts of your children.
7) Brown bag your lunch
You'll find that cooking at home is much easier than you think and way cheaper and healthier than take-out or dining out.
Instead of going out to eat at work, take your own lunch. With some thoughtful preparation and just a few minutes of time,
you can create something quite enjoyable for your brown bag lunch and save a fistful of cash each day, too.
8) Before you go shopping
One should never go into a store without a strong idea of what one will be buying while in there. Make a careful plan of
what you'll buy before you go, then stick strictly to that list when you go to the store. Don't put anything in the cart
that's not on the list, no matter how tempting, and you'll come out of the store saving a bundle.
9) Driving vs. Public Transportation
If the city's transit system is available near you, take it to work instead of driving your car. It's far
cheaper and you don't have to worry about parking your vehicle and the added maintenance on your vehicle. That's money in the bank.
10) Cancel, cancel and cancel...
Many people with cable services often are paying for a premium package but rarely watch those extra channels. Get rid of those excess channels and put that cash back in your pocket.
Do you have a pile of unread magazines sitting around your house? Likely, it's the result of a subscription that you're not
reading. Are you paying dues at a club that you never use? Like, for instance, a gym membership or a country club membership?
Cancel these club memberships, even if you think you might use them again someday you can always renew the membership at a later
date if it turns out that you actually do miss it.
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