31 December 2015

81 - 90 of 101 Money Saving Tips Series!


81. 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.

82. Coordinate Efforts

If you are married, make sure you and your spouse are working on the same
agenda. If one is trying to save money while the other is busy spending, what
is the point? When you work as a team, you can encourage each other to keep
on track with your saving.

83. 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.

84. 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.”

85. 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.

86. 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.

87. 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.

88. 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.


89. 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.

90. 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.

Last 10  91-100 coming up soon!  cheers

22 December 2015

71 - 80 of 101 Money Saving Tips Series!



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.

72. 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.

73. 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.

74. 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.

75. 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.

76. 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.

77. 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.

78. 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 fiveyear
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.

79. 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.

80. 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.

Stay tuned for Tips 81-90 ! cheers and Merry Xmas!

11 December 2015

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10 December 2015

61 - 70 of 101 Money Saving Tips Series

61. 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.

62. 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.

63. 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.

64. 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.

65. 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.

66. 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.

67. 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.

68. 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.

69. 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.

70. 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.

Stay tuned for Money Saving Tips 71-80 soon. Thank you!

06 December 2015

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04 December 2015

51 - 60 of 101 Money Saving Tips Series


51. 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.

52. 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.

53. 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.

54. 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?

55. 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.

56. 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.

57. 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.

58. Cancel Subscriptions

It is always fun getting your favorite magazine or book in the mail but you
should cancel them or at least most of them. If you have several subscriptions,
choose one or two to keep and cancel the rest.

59. 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.

60. 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.

Next week Tip 61 - 70...

cheers and happy weekend ahead,
Bob