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Tips for Saving Money
We all know we need to save. However, few of us save. Because? Because there are too many priorities competing for money in our lives. But, you can save for bigger purchases, for emergencies that are sure to come, for your kids’ college, for a home, and for your retirement. Maybe you don’t think you have enough money. You might think you’re living paycheck to paycheck with nothing left over after paying your expenses. You may think that you have to earn more money to have enough money to save.
The truth is that saving is not a matter of mathematics. It’s emotional. Once you’ve saved a priority, then and only then will you save it. Until you decide to pay yourself first, you won’t save. When you run out of money, there won’t be enough left. Here are some quick tips on how to save money.
Advice no. 1 – Know where your money is going
Track what you spend in the next month. Write down each purchase or ask for a receipt. But at the end of the month, your task is to count every penny.
Tip #2 – Get control of your debt
Unsecured credit card debt and car loans are two of the biggest drains on personal finances. Take the attitude that if you can pay cash for it, you don’t need it. Stop using your credit cards and paying high interest rates for things you probably don’t need anyway. Stop buying new cars on credit that lose their value as soon as you drive them off the lot. Use the snowball method to get out of debt and then stay out!
Tip #3: Are you a collector?
Many people spend money collecting things. Maybe you collect records, books, antiques, coins, dolls… look at your collections. Do they have any real value (a limited quantity in high demand) or are they one of thousands with no real resale value? Do you have duplicates? Are you buying more than you can enjoy?
Advice no. 4: Review your gift budget
Buying expensive gifts for a large list of friends and family? Can you do something that might mean even more to the person receiving the gift? Sometimes giving someone who has a messy house a consumable, homemade gift and including a handwritten note will be the best gift they receive.
Advice no. 5: Use the “sleep on it” rule.
Before you make a big purchase (for most people, this would be over $300, but your personal threshold could be lower or higher), sleep on it. Why do you think a salesperson tries so hard to close the deal before leaving the store? They know that if you have time to think about it, you might decide that you don’t really need to make the purchase right now. So, go home and sleep there. If you’re still sure the next morning that shopping is the right thing to do, go for it (assuming you don’t violate Tip #2 by using a credit card or going into more debt!).
Advice no. 6: Always write a shopping list before you go shopping
Shop with a list and don’t buy anything that isn’t on the list. Much research has gone into creating storefronts to get shoppers to make these impulse purchases. If you stick to your list, don’t fall for this marketing ploy. Another good technique for grocery shopping is to use the envelope method. When you get paid, write a cashier’s check for the amount of your grocery purchase during that pay period and put it in an envelope. When the envelope is empty, stop buying groceries until the next payday when you can refill the envelope.
Tip #7 – Have a party
No, I don’t mean a full-on, expensive affair. But instead of going out for dinner, why not invite some of your friends over? You could even ask them to bring their favorite dish and make a lunch. You could talk about a good book or watch a $1 Redbox rental. Entertainment can still be fun without being expensive.
Tip #8 – Declutter
Check your closets and dressers and sort your clothes. If you’re like most people, you have clothes that need to be repaired, clothes that need to be thrown away, and clothes that no longer fit you or you just don’t like anymore. Ditch the repair and actually fix it instead of replacing it. Clothes you no longer want can be sold at a yard sale, taken to a consignment store, or even donated to Goodwill for a tax deduction (just ask them for a receipt from your taxes).
Tip #9 – Buy used
Not everything has to be bought new. Has your washing machine broken down? You can get a used one at your local appliance store for $75. Does your child go through video games in a day? Buy used in Hastings or your local video game store. You can also buy second-hand movies at your local thrift store or your nearest Redbox store. Never, ever buy a new car. It will lose thousands of dollars in value in the first two years. Let someone else take this hit; buy used
Advice no. 10 – Reduce prepared foods
It’s easy enough to cook in bulk and freeze leftovers to create your own “convenience foods.” You can take them to work with you saving the $6-$9 fast food lunch bill. Not to mention, the food you prepare at home will likely be much healthier than what you buy at your local fast food restaurant.
Here are just a few tips to help you find ways to save money. But remember, unless saving becomes a priority for you, it will never happen. So, start today, even if you save a little. Make saving a habit and you’ll be surprised how quickly your savings account will grow.
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