With the cost of living soaring, any helpful tips to help you save money will help relieve stress and help your dwindling bottom line. Just by taking the time to read these helpful ideas, you will see how easy it can be to keep more of your hard earned money.
Track your spending with either a credit card or a debit card. Take a look at your bank statement for the month, list out your expenses that are essential and non-essential. Develop a household budget with the essential expenses. With the funds left over, find ways to save for a rainy day or for the unexpected expenses you will have. The extra on hand will come in handy so you won't have to use your credit card and face interest charges.
Pay your monthly bills on time and avoid costly late fees. Review your credit score, and make sure the information is accurate. Having inaccurate information may cost you more in interest with your credit cards. Try to eliminate your credit card debt. The sooner you can pay them off, the more money you will have on hand. Another quick tip is to call around and find a credit card with a lower interest rate. Credit card companies are very aggressive when it comes to getting your business, use this to your advantage.
Do you buy bottled water? Stop buying it if you do, at an average cost of $1.50 per bottle and lets' say you drink an average of 20 bottles a week. That will cost you an average of $1560 annually. Use a water bottle and fill it at home from the tap. Not only save on your pocket book but save the landfills as well.
Use power strips to plug in your printers, DVD players, and stereos. You can save up to $50 a year when you power off the strip when you aren't using these. It is simple to do and saves you money.
Your clothes dryer is the second most energy swiping appliance behind your refrigerator. Hang up your clothes instead when you can. The upside is your clothes won't shrink and look worn out by using the dryer.
Bundle your phone, internet and cable bills. This is a great way to save money and it averages on saving you anywhere from $100-500 a year. Save money and lower the number of bills you get ever month all in one.
Avoid the daily coffee runs and the convenient store snacks. Lets' say for example you spend an average of $27.40 a day on incidentals adds up to spending an astounding $10,000 a year. This alone should have you taking notice how much money you actually waste in a day and even a year.
Use coupons, online coupon codes, in store rebate coupon cards, where ever you shop the most find. Most stores have their own coupons on their site. All enticing ways for you to save on your grocery needs and even your retail shopping sprees, don't pay full price when you don't have too.
Take these helpful tips and use them into your everyday lives. Add up all the ways you can save money here and there. Your pocket book will thank you.
Track your spending with either a credit card or a debit card. Take a look at your bank statement for the month, list out your expenses that are essential and non-essential. Develop a household budget with the essential expenses. With the funds left over, find ways to save for a rainy day or for the unexpected expenses you will have. The extra on hand will come in handy so you won't have to use your credit card and face interest charges.
Pay your monthly bills on time and avoid costly late fees. Review your credit score, and make sure the information is accurate. Having inaccurate information may cost you more in interest with your credit cards. Try to eliminate your credit card debt. The sooner you can pay them off, the more money you will have on hand. Another quick tip is to call around and find a credit card with a lower interest rate. Credit card companies are very aggressive when it comes to getting your business, use this to your advantage.
Do you buy bottled water? Stop buying it if you do, at an average cost of $1.50 per bottle and lets' say you drink an average of 20 bottles a week. That will cost you an average of $1560 annually. Use a water bottle and fill it at home from the tap. Not only save on your pocket book but save the landfills as well.
Use power strips to plug in your printers, DVD players, and stereos. You can save up to $50 a year when you power off the strip when you aren't using these. It is simple to do and saves you money.
Your clothes dryer is the second most energy swiping appliance behind your refrigerator. Hang up your clothes instead when you can. The upside is your clothes won't shrink and look worn out by using the dryer.
Bundle your phone, internet and cable bills. This is a great way to save money and it averages on saving you anywhere from $100-500 a year. Save money and lower the number of bills you get ever month all in one.
Avoid the daily coffee runs and the convenient store snacks. Lets' say for example you spend an average of $27.40 a day on incidentals adds up to spending an astounding $10,000 a year. This alone should have you taking notice how much money you actually waste in a day and even a year.
Use coupons, online coupon codes, in store rebate coupon cards, where ever you shop the most find. Most stores have their own coupons on their site. All enticing ways for you to save on your grocery needs and even your retail shopping sprees, don't pay full price when you don't have too.
Take these helpful tips and use them into your everyday lives. Add up all the ways you can save money here and there. Your pocket book will thank you.