People are always trying to save money, especially with today’s economy. No matter what your
reason for saving, through this e-book, you will discover ways never considered.

The price of everything has gone up, requiring people to be more conscientious about money. The
problem is that by the time the mortgage, car, utilities, and credit cards are paid, there is little money
to put aside. Saving money is not that hard, just a matter of learning all the different options and being
creative.

In addition to the obvious of putting money into a retirement fund or savings account, there are
hundreds of ways to save money. Although some ways of saving may not seem like much, once you
add them up at the end of the year, you will see how substantial the savings really are. Keep in mind
that saving is more than a single lump sum of money put aside. Saving is something found in your
everyday life by the way you live and the choices you make.

Rome was not built in a day and neither will your bank account be. Each penny saved is one more
penny than before. If you have the ability to save big, that is great. However, most people are not in
that position, which is why this e-book will show you how little savings can add up quickly.

Be encouraged that it is never too late to start saving, regardless of your age. Set your mind that now
is the time to start building your future.

Ready or not, here are 97 ways to begin saving a fortune!...

Holiday Gift Giving

This tip is especially helpful for large families. Although it is fun buying for and
receiving from everyone, it can be very expensive. Make an agreement with your family
that you will continue to buy for the children but that the adults will go with a name
exchange. This way the children are not disappointed and you can spend a little more on
one or two people rather than spreading your money thin. For the members that you did
not pick to exchange with, bake a loaf of their favorite homemade bread or cookies.

Clearance

Always head straight for the clearance rack where you can find amazing bargains.
Sometimes you may have to dig a little to find the right item but the savings will be wellworth
your time. Most clearance racks offer variety, current trends, and great value. For
example, Bed, Bath & Beyond has a clearance section where you can find all kinds of
wonderful household items for a fraction of the original cost.

Thrift / Surplus Stores

Unfortunately, thrift and surplus stores have been given a bad rap. Many of these stores
are filled with hundreds of top quality items. Name brand merchandise is easy to find but
just like clearance racks, it takes some time to find. Find a thrift or surplus store close to
where you live and then plan spending some time to find those outstanding bargains. One
woman in Kansas City, Missouri located such a store about 20 minutes from her home.
After shopping through every isle over the period of two hours, she walked out of the
store with eight huge garbage bags filled to the brim with designer clothes for her and her
children, many with the original tags still attached. She even found a couple of Liz
Claiborne suits for herself at $5.99 each and a Dooney & Burke purse normally valued at
$225 for $19.95. Her children had an entire season of school clothes and best of all, she
paid less than $200.

Wrapping Paper and Bows

Create your own wrapping paper, which is not only unique, but also fun. Use plain brown
grocery bags and craft-like paints to make your design. After wrapping the gift, let your
creative juices flow. For example, using black and yellow craft paint, create a miniature
road. Then dipping toy truck tires into red paint roll them along the paper making tire
tracks. You can then draw free hand a stop sign, yield sign, or stop light. Next, using a hot
glue gun, glue a couple of the miniature trucks to the paper. This is perfect for a young
boy. He will be just as thrilled with the wrapping as the actual gift. For a girl, you can
simply create miniature bows from existing fabric or lace and glue them on brown paper
then free hand draw colorful flowers. Just use your creativity and look around for items
you already have on hand to use.

Reuse

When you shop, look for items that can be reused. Rechargeable batteries are a perfect
example. Even though the initial purchase may be more than non-rechargeable batteries,
there is a definite savings over a long period. Another option would be to purchase a nice
artificial Christmas tree. Many of the current artificial trees look amazingly real and with
the right lights and ornaments, you can change the look from year to year.

Landscaping

If you are considering creating a nice flower garden area, shopping for plants even on
sale, can be expensive. Before you go out and start spending, look around to see if you
have other plants that can be split from your existing flowers. Additionally, if you have a
good relationship with any of your neighbors, you might ask them if they have any plants
you could use as a starter. Another great idea is the next time you are in the market to buy
a lawnmower, purchase one that mulches leaves. This way, rather than buy mulch for
your flowerbeds every year, you can simply use the mulch you make.

Budget
Everyone should create a budget. If you are not sure how or just not good with money,
many businesses such as H&R Block, offer free financial consulting to help you put a
budget together. Knowing where you are spending your money is by far the best way to
save. In most cases, people have no idea where their money is really going and once they
see it on paper, not only are they surprised but eager to change their spending habits.

Plan

Planning is a great way to save. Before you go to the grocery store, make a list and stick
with it. If considering a vacation, plan everything. Heading out with no set direction will
certainly lead you to impulsive spending.

Buy in Bulk

It is true that warehouse shopping can save a lot of money. Even if you have a small
family, you can always split large quantities. The price of items in bulk is generally a
great bargain. If you are single, you might go in with friends or family on bulk items.

Allowance
Do not forget to give yourself an allowance for things you enjoy. Even if on a tight
budget, buy something that you enjoy, which could be as simple as buying a new shirt or
grabbing lunch at your favorite café. If you do not allow yourself this small “splurge”,
you could find yourself in the same position as if dieting. Total deprivation leads to
overindulgence.

What Matters to You
Make a list of the 10 most important things in your life. Next to each item, rank them in
order of importance using numbers 1 through 10. The purpose of this exercise is to help
you see the things you consider the most and least important and to provide you with a
visual of why you need to save. Some examples of things that a person might put on their
list include new home, car, special trip, artwork, starting a business, or pay off debts.

Setting Goals
Break your goals into short-term, intermediate-term, and long-term. Being able to see
your accomplishments is a great motivator for you to work hard at saving. If you set a
short-term goal of saving for tickets to the symphony and reach that goal, you will be
encouraged to keep saving for the intermediate and long-term goals.

Be Realistic
When it comes to saving money, make sure the goals you set for yourself are realistic. If
you earn $50,000 a year, saving $20,000 would be nice but it is very unrealistic. Make
your goals attainable or you will never save.

Flexibility
Once you have set your goal for saving, realize that things can and will change. The
secret is learning ways to be flexible. If you normally save $150 a month, when
something unexpected happens, you may only be able to save $50 that month. This is fine
as long as you focus on getting back on track.

Insurance
Shop around for insurance and work with a good agent that can provide information on
discounts such as good student, multi-car discount, etc. Some people think the price of
insurance is the same from one company to the next. However, prices can vary
dramatically and to ensure you get the best deal, you need to consider all your options.
Coupons
Okay, maybe you used to laugh as you watched people pull out their coupons at stores but
the truth is that using coupons can save you hundreds of dollars every year. Coupons can
be used at grocery stores, retail chains, any store where the item is sold. Some stores offer
double coupon days, which is an extra bonus. On average, you could easily save from 5%
to 15% on a bill for $100 simply by presenting a coupon. Coupons are not just for food
items and by scouring your local newspaper you can find coupons for all sorts of
merchandise.

Credit Cards
Use credit cards only for emergency. Although convenient, credit cards are dangerous and
damaging. In addition, if you have a credit card that has a $1,000 balance and you pay
only the minimum payment each month, it will take you between 20 and 30 years to pay
off that $1,000 balance since the majority of money is going strictly toward the interest
and not the principal amount.

Mortgage Payment
Paying one additional mortgage payment each year, whether in a lump sum or monthly
increments, can lower a 30-year loan down to 18 years. If you pay more than one extra
payment, the number of years will decrease even more. Since this additional payment will
be applied only to the principal and not the interest, you end up saving thousands and
thousands of dollars once the home is paid off.

Credit Card Interest
If you have credit cards and your credit is in good standing, call your credit card
company, and ask for your interest rate to be lowered. It is truly that simple.
Unfortunately, most people do not even realize this is an option so they never make the
call. Just tell the representative that you want a better rate on your credit card and they
will take care of your request.

Patience
Be patient when it comes to saving. This means that you need to accept that it will take
time to save and good planning. Be patient and remember that just because you want
something, do not rush to buy just to satisfy your urge. Instead, wait for sales in order to
get the best price, which in turn will save you money.

Financial Consulting
Many financial companies and even churches offer outstanding classes on how to manage
money. While some of these programs are free, others may have a nominal fee of around
$35 to attend but the money is well spent. Another great option is consumer-counseling
services. This is a great option for people in over their head with debt. The counselors
will work directly with your creditors to lower your balances, interest rate, and establish
workable payments that you can afford.

Break old Habits
Take time to learn the various things that “trigger” your spending. When you are
depressed, lonely, sad, anxious, excited, whatever it may be, do you spend more? Once
you can identify these triggers then you can learn how to control them. As an example, if
you were just laid off from your job, although money is tight, you may have an
overwhelming “need” to spend money. Perhaps you notice that when you are bored, you
head for the shops. Knowing what affects you will help you to discipline yourself to find
other ways of comfort.

Avoid Temptations
If you have a particular weakness, stay away from it. If you love to gamble, stay out of
the casinos. If you have a weakness for shoes, drive past your favorite shoe store. While
avoiding temptation is hard, it is also necessary in order to save money. When you want
to give into your temptation, this is the time to use your “allowance”.

The Right Time to Shop
Studies have proven that when shopping while hungry, depressed, tired, and stressed, you
buy more. Before you head to the grocery store, eat something. If you are upset or feeling
a little blue, calm yourself down or wait until you feel better before you head out to shop.
As funny as it may sound, having a clear mind is important when it comes to shopping
and spending money.

Make your Own Gifts
If you ask people if they prefer a store bought or handmade gift, the majority would
choose the latter. Handmade gifts are individualized and come from the heart. When you
have a birthday, anniversary, baby shower, wedding, or Christmas gift to give, make the
gift. For Christmas, you could make a beautiful ornament or door wreath, for a baby
shower you could purchase an inexpensive bib pattern and make special bibs, or for a
wedding, you could create a wonderful album of photos showing the couples dating life.
Other great options include making homemade hot chocolate, soaps, candles, or lotions
and placing them in inexpensive glass containers or baskets purchased at a thrift shop. If
you use a mason jar, add foam and fabric under the lid for added color, use a label to
write the contents and a message of endearment, and wrap a nice piece of ribbon around
the ridge. The options are endless, so get creative.

Matinee
Do you love the movies but hate the prices? Switch your nighttime show to the late
afternoon or early evening matinee. The price is about 50% less and when taking an entire
family, that is a nice savings. Pop your own popcorn, put in a plastic bag, and place in a
large purse and make or buy your own candy, leaving only drinks to buy. Food at the
theater is outrageously priced. The next time that you head to the movies, hit the matinee,
stuff those jellybeans and licorice sticks in your purse, and enjoy the savings. Also, check
for movie tickets online, which can be discounted.

Comparison Shop
Comparison-shopping can make a big difference in the price you pay. You might be
looking at a barbecue grill at one place for $350.00 and by making two more stops, find
the exact grill or one comparable for $300. In addition, consider the price of items
assembled versus unassembled. For example, you might find the barbecue grill
unassembled for $250. A couple of hours of “fun” assembling the grill is certainly worth
a $100 saving.

Stop Competing with the Jones’
You do not have to compete with anyone. Be proud of what you have and who you are. If
you can only afford an inexpensive sofa from a thrift store, find a nice throw, make a few
pillows, and be proud and thankful. Competitiveness is a part of nature and to a degree,
healthy. However, when competition creates a buying war to see who can have the “best”
when they have no business buying at all, then it becomes damaging. Stick to what you
can afford regardless of what anyone else has or pressure you might be feeling.
Incentives – Reward Plan
To help you and your family spend more wisely, set up a system where rewards are given
when the rules set forth are followed. For example, if a family decision was made to start
making lunch and brown bagging it to work and school instead of paying each day, the
incentive might be that if this is followed strictly for one month, the entire family can
spend a Saturday at the Zoo or favorite theme park.

Dollar Stores
Many years ago, dollar stores offered only off brand products or poorly made
merchandise. However, that has completely changed. Now you can walk into a dollar
store and find the same name brand laundry soap, cleaning supplies, clothing, school
supplies, everything for a fraction of the cost. Where a store name brand bottle of laundry
detergent might cost $6.50 at a grocery store, you can find the identical product and size
at the dollar store for $2.50. Check out your local dollar store and enjoy the mountains of
savings.

Don’t Give up the Good Stuff
A misconception is that while trying to save money you have to deal with sub-par
merchandise, which is untrue. If you love fresh breads and pastries, visit a bakery thrift
store. For your fresh fruits and vegetables, visit your local farmer’s market. Try eBay or
other auction sites to buy top quality merchandise for a huge discount. Watch for
neighborhood garage sales or estate sales and auctions to find items you need. Just
because you are looking for bargains as a way of saving money does not mean you have
to skimp on quality.

Utilities
Set up some rules in your home such as turning lights off when leaving the room, having
only a parent adjust the air or heat, leaving the doors or windows open when letting either
cold or hot air into the house. Utilities are expensive and a great money saver is to
monitor how they are used in your home. Another great idea is the investment of buying
an energy-efficient hot water heater. If you cannot afford one, lower the setting so you are
not heating water so hot. The hotter the setting, the more energy used.

Check the Garbage
One woman had her teenage daughter clean her room. The daughter proudly did just that,
filling two huge trash bags of things she no longer wanted. Out of curiosity, the mother
peeked into one of the bags to see what was being thrown away. In shock, she found a
new tube of suntan lotion, two perfectly good sweaters, makeup, lotion, a picture frame,
hair curlers, all good things. The daughter did not realize that just because the items were
of no interest to her, they might be to someone else. After talking to her daughter, the
mom turned around and listed the items on eBay, making a $35 profit on her daughter’s
“junk.”

Written Plan
When a person goes into business, they create a Business Plan, which becomes the
blueprint of their business. The same should apply if you are trying to save money. Create
a master plan that the entire family can get involved with and learn their role. When you
start to spend too much, go back and look at your plan to see where you are messing up
and how you can fix it.

Attitude
Good money management is an acquired skill. As you go forward with the process of
saving money, you need to have a good, positive attitude, which is often what will keep
you and your family heading in the right direction. If you think you cannot save, then you
probably will not. Be determined and stay positive about saving.

Unsecured Creditors
Make a list of all your unsecured debts along with creditor contact information and payoff
amount so you can have an accurate record of how much you owe. Choose one creditor,
possibly a credit card, and focus on paying off that bill. Once you have achieved that
goal, choose another. Start with the debt that has the highest interest rate since it is the
one costing you the most money.

Off-Season
The next time you plan a vacation, consider off-season. Generally, the prices for airfare,
hotel, and cars are substantially lower than traveling during peak time. If you look at all
your options, you will find that in many cases, you can come close to the date you would
like to travel. As an example, flying to Hawaii through June 8 is considered off-season
while June 9 is peak. One day makes a huge difference in price.

Buy versus Rent or Lease
When looking at homes or automobiles check the rent and lease options. Depending on
your particular situation, renting or leasing may be a better financial decision. Weigh all
your options and see which choice makes the best sense from a financial standpoint.

Buffet Meals
When taking the family out to dinner, consider restaurants that have buffets. In many
cases, the prices are outstanding and a parent can share with a small child. In addition,
many buffets are “all you can eat” and of course, there is something for everyone.

Cable Networking
If you have a computer upstairs and another downstairs and you use high-speed data,
have one of the computers be the primary computer and the other be the backup. This
way, you are only charged once for Internet access and a small fee of $10 to $15 a month
for the second computer. This is a great bargain!

Proper Maintenance
Purchase an annual home warranty policy. These policies can run from $350 to $500 a
year and offer extremely valuable options. The way most of these policies work is that if
you have something break, such as your garage door, dishwasher, air conditioner, etc., for
a minimal fee, usually $50 to $100, a serviceperson will come to your home to fix the
item. Best of all, if you have five things broken and the same serviceperson is qualified to
fix all of them, you are still charged the $50 to $100 fee once, not five times. For your
automobile, you might look into purchasing an extended warranty. If you ever need either
one of these policies, they will save you tremendous value.

Company Stock / 401K
Contributing to employee stock options or a 401K plan is a wonderful opportunity to
save. Most companies will match your contribution, sometimes dollar for dollar, up to a
maximum, generally 6%. From each paycheck, you can have a small amount of money
deducted (1%) and up. Over time, that money grows and since the business is providing a
match, you get free money.

Family Haircuts
Look for hair styling shops that offer family deals or learn how to cut hair yourself. Many
families take care of their own haircuts and put the money they would have spent aside as
a vacation fund. This system works out perfectly.

Wants versus Needs
Make sure the thing you want to spend your money on is a “need” and not a “want.”
Sometimes this can seem like a fine gray line but if you stick to the need list, you will
spend less.

Refinance
With interest rates being so low, consider refinancing your home and/or securing a debt
consolidation loan. You might have to come up with a new closing cost but once paid,
you will have lower payments, better terms, and save thousands of dollars over the years.

Go Generic
When buying food, try some of the generic items. Unless you or your guests are
connoisseurs of fine dining, they will not know if the green beans were generic or a top
name brand. Once you add some butter, salt, and pepper, no one will know the difference
except you - $79 per can versus $33 per can! People do not realize that many generic
brands are actually manufactured by name brand companies, just branded with a different
name. In fact, companies such as those that make snack foods will have conveyor belts
that run side-by-side – one for the name brand and one for the generic brand. This is quite
common and the only difference is the label and price.

Stock Up
As you shop, if you notice that a brand you and your family use on a consistent basis is on
sale for a great bargain, stock up. As an example, if you use a particular type of shampoo
costing $4.50 per bottle and you find it on sale for $2.50, go ahead and buy two bottles.
You should only do this on items you know will be used.

Shopping for Clothes
There are many secrets relating to saving money on clothing. As a perfect example, rather
than buy a matched suit for $450, buy the pieces separate. This will save you about $100
to $150. Additionally, buy several pieces that can be mixed and matched, giving you six
outfits out of four pieces.

Carpool
In some larger cities, carpooling is required in order to reduce smog. However, regardless
of where you live, carpooling can also be a big money saver. Check with co-workers and
determine who lives close enough to share a ride. By the end of the year, you will have
saved several hundreds of dollars.

Trendy Fashion
Most people love to dress in the most up-to-date fashion but for those fashions, you pay
big bucks. Consider dressing with basics and then emphasis them with trendy accessories.
This will save you money on the clothing that is less expensive while allowing you to
dress it up.

Free Entertainment
If you are tired of being bored, you will be pleased to learn that there are hundreds of
things to do that do not cost a dime. For example, if you want a little Friday or Saturday
night excitement, sign up at your local police department for a “ride-a-long” where you
can go on duty with an officer as they respond to real calls. Community colleges are
always offering free exercise classes, or coffee shops have poetry readings. Entertainment
and having fun does not have to cost anything. Some cities have special areas that are
popular on the weekends where you can find free concerts. Check your local paper and
college to get a list for your area.

Telephone / Mobile Phone
First, shop around for the best deals. Second, stay away from all the fun bells and whistles
and just stick with the basic plan. Some people have turned to shutting down their home
telephone and are now using their mobile phones in place. Since most wireless carriers
offer free long-distance, call waiting, call forwarding, caller ID, voicemail, and more, it
can do the same as a regular phone but for less. Why have two phones when you can have
just one?

Home Remedies
Before rushing off to see the doctor for a sore throat, try some home remedies or over the
counter drugs instead. For a sore throat, butter mixed with ginger and sugar makes a
soothing healing pate. A hot toddy before bed is great for a cold. Simply ask your family
for their home remedies and try it. Sometimes a simple over the counter medication or
herb will do the trick without costing you an expensive doctor’s office visit.

Pay on Time
For every payment you pay late, you are charged a late fee, which can range from $25 to
$50 or more depending on the company. Therefore, if you just made a $50 payment but it
was paid late, nothing was paid toward the debt. Instead, the entire $50 went toward an
unnecessary fee. To avoid spending unnecessary money, be sure you mail your check in
time to avoid these fees.

Insulation
Hundreds of dollars are wasted every year from the average home due to improper
insulation. Make sure there are no drafts coming from your window, door, or fireplace.
Ensure your home has the appropriate level of insulation, which will make a HUGE
difference in your utility bill.

Consolidate your Errands
To save gas, organize your day of errands so you get as much done in an organized
manner as possible. Stay in the same geographical area and hit as many of your errands in
that area as possible to avoid excessive driving.

Sell your Stuff
Go through your house and pull together all the items you no longer use. These can
include small or large appliances, gardening tools, clothing, makeup, and sporting
equipment, whatever you have, and then list them on eBay.com or Halfoff.com. Take the
money earned from these sales and put it in your savings account not to be touched.

Turn your Hobby into Money
Everyone has a skill – find yours and turn it into money. For example, if you have a skill
for woodworking, start creating children’s toys, or curio cabinets to sell. Perhaps you are
computer savvy and could teach a class at your local community college. Find something
you enjoy and sell it.

Recycle
Try a different type of recycling that will save you money. Have you ever received a nice
gift that you like from someone but will never use? Rather than take it back to the store
for an exchange, consider keeping it to give as a gift to someone else. Another way to
recycle is to look around your home. There are always things right in your home that can
be used to make nice gift baskets – things you never use. For example, the next time you
purchase shower gel where you buy one and get one free, keep one for yourself and set
the other one aside for future gift giving. You will find hundreds of ideas so be creative
and consider things you purchased but have never used.

Heating and Cooling
Make sure vents in rooms not being used or the garage are closed. Many people tend to
try to heat and cool the entire home. Instead, take the time to close off areas that you are
not using. You will save substantial money on your utilities.

Shop Online
Many online businesses offer great bargains and in some cases, free shipping. Since the
Internet is such a competitive market, you can usually find fantastic deals. In addition,
many of your favorite businesses where you shop in person have websites that offer even
greater savings. Bookstores such as Amazon.com will sell books up to 70% off the
original price. Overstock.com is another online business that sells closeout items for
fantastic bargains.

Consignment Shops
Rather than throw out or sell slightly worn clothing or other household items in a garage
sale, consider selling them through a consignment shop. You will get a better price for
your items and consignment shops are always looking for quality merchandise. Check out
Half.com, which is an online consignment shop offering books, movies, computer
software, and much more in either new or used condition.

Selling your Home
If considering putting your home on the market, make sure you work with a reputable
realtor. A good realtor versus one that is not as experienced can be the difference of
thousands of dollars. A good realtor will know exactly what you need to do to your home
to get it in the best selling condition, which in turn will get you more money. In addition,
experienced realtors know all the best methods for advertising and selling your home
while saving you the most money.

Stay out of the Malls
If possible, stay away from shopping malls. High-dollar shopping malls have expensive
overhead and are designed to sell, sell, sell. Prices are generally higher and in most cases,
people walk out with more than they anticipated buying. It is better to shop at stand-alone
shops or on the Internet.

Car Shopping
Shop around for the best price. While you may have your eye on that “perfect” car and
want it now, by waiting and looking around, you could be saving yourself a lot of money.
In addition, check out other states. If you live within a few hours drive from other cities,
check out the price difference. The five hours it takes to drive may be worth the money
saved.

Check Receipts and Statements
If you were to check your grocery or store receipt, approximately 50% of the time you
would find an overcharge. This happens all the time and in some cases, the charge can be
substantial. The same is true for credit card statements, bank statements, phone bills, etc.
Check the detail because it is quite common to find errors. These mistakes can easily be
corrected simply by asking and providing a copy of the receipt or statement.

Challenge the Doctor/Hospital
If you have stayed in the hospital recently, you know the outrageous charges associated
with every thing used. While you could buy a box of bandages for a small cut in the drug
store for $5.00, at the hospital, they will charge you $10 for one bandage. While the
government and insurance companies are cracking down on these charges, you should
check things closely and challenge anything that is ridiculously priced. The same is true
for your doctor. One woman having a hysterectomy was asked by her doctor if she
wanted her appendix removed at the same time. The patient thought it was a good idea
and agreed. However, after the surgery when the bill came, there was an additional
$1,200 for the removal of the appendix although the doctor never mentioned an extra
charge. The woman called her doctor to discuss and the doctor removed the charge. If
something seems way out of balance, question it. Something else that most people do not
know about is what is called “professional courtesy.” If you are having financial
difficulties, you can ask your doctor if they will write off any balance owed as a
professional courtesy. Many will and if not the full amount, at least some.

Overdraft Protection
Almost everyone has at one point or another had an insufficient check. Most banks charge
$20 per returned check, which if not careful with your account, can quickly add up to a
lot of money. If you have a savings account, consider adding overdraft protection onto
your checking account so if you ever go into a negative balance, the money would
automatically be covered by your savings. Most banks offer this service free.

Bank Accounts
Make sure you work with a qualified banker that can set up the “right” kind of account
for your type of spending. There are numerous options specifically designed for people
that write a good number of checks versus those who do not. Check with your existing
bank to ensure you have what you really need and if they are not willing to work with
you, change banks. In general, credit unions are good options. Their rates are typically
lower and because they are employee owned, you can find better options.

Organization
You may be wondering what being organized has to do with saving money but in reality,
it has a lot to do with it. For example, if you miss a credit card due date by one day, you
will be charged anywhere from a 15% to 25% penalty. The same would be true for taxes.
Missing one simple date can cost thousands. You need to be organized so you know the
exact dates your bills are due as well as keep all receipts, contracts, etc. in an orderly
manner.

Good Health
You need to make sure you take care of yourself physically. Missed dental cleanings
(every six months) can lead to gum disease or tooth decay that can cost thousands to fix.
The same is true for your health. After trying home remedies or over the counter
medications, if you still do not feel well, see a doctor. It is far better to pay the doctor visit
than to let your simple summer cold turn into pneumonia.

Automobile Care
Keep your car oil changed, tires rotated, and overall care up-to-date. First, the $30 for
your oil change will save wear and tear on your car, which could result in significant
money. Second, you need your car to get to and from work. By not having your car in top
working condition could put you in a bad position when it comes to required
transportation.

Vacations
While Paris, England, or Germany offers excitement, they also cost money to visit.
Unfortunately, people on a regular basis forget about the United States and even the very
state in which they live. One man had lived in Arizona his entire life. At age 50, when
asked by a friend what the Grand Canyon was like, he was unable to answer because he
had never been there. The next time you get ready to plan your family vacation, look
around where you live and consider an exciting road trip that will not only be educating
but cost effective. A vacation does not have to be expensive to be fun and memorable.

Annual Maintenance
Make a list of all annual maintenance items for your home such as air conditioner, heater,
hot water heater, etc. Once again, being prepared and working in a proactive manner can
save you unnecessary expenses. If you take care of your air conditioner by getting an
annual tune up then you lower the risk of something going wrong during the hot summer
months when it will be quite costly to repair.

Borrowing Money
Unless you have an emergency, avoid those enticing advertisements to lend you money at
incredible rates. Banks and lending institutions make it much too easy to borrow money
and especially during the holidays, they flash all their great advertisements drawing
people in. Afterwards, you have borrowed money that you could have done without and
now you are locked into a five-year repayment contract. If you want a new car or boat, it
is better to save. If you do need a new car, avoid brand new cars, which lose massive
amounts of appreciation the minute you drive off the lot. Instead, look for something a
year or two old where you will still have a nice car but much more in line with an
appropriate cost.

Repair versus Replace
Instead of spending $1,000 on that beautiful new couch, you might consider one of two
options. If your couch frame is still good, you might spend $300 to have it recovered or
purchase a quality slipcover for $100. Your couch will look brand new for much less,
than it would to replace. Another example would be if you have a lamp that you want to
replace. Consider painting it and adding a new shade rather than spending money to buy a
brand new one. Perhaps you have a washer, dryer, or refrigerator that is running a little
sluggish. Find out the cost of repair over that of purchasing a new one. Even if you have
an appliance with the wrong color, businesses offer fantastic paint jobs. With a little
creativity, you will be amazed at how much can be repaired, thus saving you money.

Dining Out
Eating out can be expensive. Rather than stop eating out, simply cut back and look for
options of two-for-one. Restaurants of all calibers offer weekly specials and if you check
in your Sunday paper, you can often find special bargains. You might even think about
signing up as a Mystery Shopper on the Internet where you can eat at fine restaurants free
or at a huge discount just for writing a report on the food, service, and cleanliness.

Plan Menus
Although it will take some time initially, after you have planned a week’s menu once, it
will become much easier and best of all, it will save you money. Knowing exactly what
you will be making helps you to shop for foods that can be used more than once. As an
example, if you are going to have spaghetti on Tuesday, you could buy bulk ground beef
at a better price and then use the other half for tacos on Saturday. Another option would
be buying round steak where one night you fix Salisbury steak and then a few days later,
you use the leftovers for breakfast hash. This will help you stretch meals and avoid last
minute or impulse buying.

Computer Software
In order to keep on track with your debts and credits, you need to use some type of
software such as Quicken or Quick Books. This will keep you focused on your goals and
tasks while you strive to achieve them. Additionally, rather than buy software programs
to download, first check Download.com or Freeware.com to see if there are free versions
to download.

Life Satisfaction
Learn how to enjoy life and nature rather than possessions. The next time you feel like
spending money, head to your local park where you can enjoy the warm sun, green grass,
and towering trees without spending a dime. Being happy in life is far better than buying
item after item. Having an inner peace is better than having a house filled with “things.”
That does not mean you cannot enjoy some of the finer things in life it just means
learning how to be happy with yourself and not “things.”

Live Within your Means
The quickest way to get in debt is to live beyond your means. Sure, most people want
more than they have but life is not all about spending money. Be thankful for what you do
have and learn how to enjoy the financial position you are in. This is where your budget
will help identify the amount of money coming in against the amount of debt going out.

Appropriate Deductions
Rather than spending money just for the sake of spending, change the amount of
deductions you have taken from your paycheck for your 401K or stock options. This is
especially great if your company offers a competitive matching program. Increasing the
amount you have deducted can quickly add up to a nice savings and is especially nice for
retirement.

Christmas Fund
Many banks and financial institutions offer a Christmas Fund program. This is an
excellent way to put aside some money for your holiday shopping so you do not end up
with a ton of spending. With these programs, you do not even miss the money and better
yet, less stress around the holidays.

Previously Viewed
Home videos and DVDs are hot items and perfect for any family entertainment. Now you
can visit the major video chains and purchase previously viewed videos and DVDs for
about half the cost. For example, at Blockbuster, you can purchase either one and get a
30-day warranty. This is still a wonderful way to have quality entertainment for a terrific
savings. Another great option is to record your own movies either from TV or any of the
popular cable channels such as HBO, Showtime or Disney. Rather than hitting the theater
every weekend, make it a special occasion. Instead, pop your popcorn, grab a soda,
spread out a blanket, and create your own theater-type atmosphere.

Dinner Guests
Invite friends over for dinner as a potluck. People love sharing their favorite recipe and by
splitting dinner, everyone enjoys variety while saving money. In fact, make this a
tradition amongst your friends.

Instant Messaging / Microphone
Rather than spend a small fortune in long distance, contact friends and family via instant
messaging on the Internet. In addition, you can download a program that will allow you
to connect a microphone and actually have a voice conversation free. All you pay for is
the normal price of your Internet connection, which generally runs from $9.95 to $21.95 a
month. Either option allows you to have real-time conversations for no extra money.

Long Distance Calling
If you do plan to use long-distance calling, shop around for the right carrier and be sure to
read the small print. Even if you like your current carrier, you might be able to find an
equally liked carrier for less money. Long distance is a very competitive market so deals
are easy to find. The same would be true for your wireless carrier. The plans range vastly
from one carrier to another so check out all your options for the best one. Do not forget to
look at the coverage area. If you choose a carrier that does not have the right coverage for
your area, even if the price is better, there is no savings if you cannot send or receive
calls.

Freeze Foods
When you grocery shop, look for bargains on items that can be frozen. Most people do
not even think about shredding block cheese and freezing it. Did you know that you could
even freeze eggs? You can as long as you give them a little room to expand. When ready
to use, simply set them out at room temperature. If you find apples on sale, make your
own apple pies and freeze them or make applesauce. Many food items can be frozen with
no problem. Therefore, the next time you see a great bargain think about freezing. (Dairy
products other than cheese do not generally freeze well).

Ball Games
Instead of spending your money on overpriced items at the ballgame, take your own
cooler of food. Some professional stadiums no longer allow this so check before going. If
you have a son or daughter that plays little league or soccer, this is a great way to save
money over paying high concession stand prices.

Discount Books
Purchase a discount coupon book, which generally costs around $25. As long as you use
it faithfully and base your choices on options featured in the book, you can save hundreds
of dollars. These books are great for restaurants, hotels, car rentals, and tons of
entertainment and provide great variety and even better discounts.

Baby Food
Instead of buying expensive baby food, make your own. You can use fresh vegetables
such as peas, green beans, or corn, run it through the blender, and then freeze individual
servings in ice cube trays. When it comes time to feed the baby, simply pop out a cube of
food, defrost, and you have instant food. This is a real time and money saver. Most foods
can be frozen. In fact, if you make family foods like spaghetti or soups simply make a
smaller portion with less salt and spice, puree, freeze just like the vegetables.

Squelch the Smoking
This is probably the hardest habit to break but in addition to saving your health, you will
also save money. Cigarettes have become quite expensive and if you can quit smoking,
you will enjoy breathing easier and having more to put away for a rainy day.

Rebate Programs
When you shop, always keep your eyes open for rebate programs. Although filling out the
forms and clipping the UPC codes from a box is a hassle, the money you save is worth it.
Some rebate items are not listed as offering a rebate. Check out AsmartShop.com or
Rebateplace.com to see if any of your recent purchases offer a rebate.

Seasonal Buys
One to three days after a holiday, stores mark their holiday items from 50% to 75% off.
This is an ideal way to stock up on next year’s Christmas or Halloween decorations. This
is true for stores that sell seasonal clothing as well. Shopping for jackets or sweaters in
the summer will provide you with great deals.

Pocket Change
Keep a jar or some type of container handy and each time you come home, drop in your
change. Every time you break a bill, put the change in your container. You will be
amazed how quickly your money will build.

Freebies
Check out freebie sites such as TotallyFreebies.com or SassySue.com where you will find
all types of sample items ranging from cosmetics to books to clothing. Most have no
shipping charges and the ones that do are minimal. By filling out a few forms, you will
receive sample size soaps, lotions, shampoos and conditioners, etc., which are ideal for
the traveler.

See your Successes
It is important to have an understanding of money. Keep a journal where you can see your
successes when it comes to saving money. This is a difficult task and takes time to learn
but worth it. By keeping a list of the situations or ways you have saved money in front of
you, you will be encouraged to keep going. These successes can be small or large. For
example, if you normally buy your lunch, costing you from $5.00 to $7.00 per day and
one week straight you packed your own lunch for $3.00 per day that is a success. If you
wanted to buy a new dress but held off until it went on sale, saving 50%, that is another
success.

Saving money requires some investigative skills, desire, determination, and creativity. Once you get in
the habit of saving money, you will feel better about yourself and enjoy life much more without debt
hanging over your head!
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