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Money Saving Tips

We’ve created a list of the best practical money saving tips, start below:

  • Get competitive car insurance quotes and make sure that you have good health insurance.
  • Clip coupons at Coupons.com, SmartSource and PrintableGroceryCoupons.net.
  • Buy generic as much as possible. Many generics are exactly the same as brand names.
  • Get a mortgage refinance quote to see if you pay too much for home payments.
  • Buy in bulk and get rewards cards at the supermarket. (love Costco AMEX rewards card!)
  • Insulate your home and use fans and ventilation instead of AC.
  • Create a budget.
  • Use Skype.com if you talk on the phone a lot, especially internationally.
  • Travel cheap. Stay at hostels, Couch Surf or Air BnB.
  • Pack lunch and bring coffee to work.
  • Have a drink at home before going to the bar.
  • Get a rewards credit, forget debit cards (it benefits the bank, not you!)
  • Invest your money. Vanguard is a good place to start.
  • Get a credit report at AnnualCreditReport.com, the government sponsored credit reporting website.
  • Ask for a discount on large purchases like a refrigerator or dishwasher.
  • Take advantage of federal tax credits for energy efficiency with Energy Star.
  • Use the library. They have plenty of books, CD’s and DVDs.
  • Don’t follow your impulse. If you feel the urge to buy something, wait a few days and see if you still want it.
  • At the grocery store look down. Items below eye level are often cheaper.
  • Print a grocery list and stick to it.
  • Take up hobbies that don’t cost money.
  • Set the thermostat when you’re not home to save energy. (recommend a programmable)
  • Use open source software. It’s free and usually as good. For example use Open Office instead of Word or Excel.
  • Quit smoking. This calculator shows you how much you could save.
  • Buy a quality used car instead of new. A new car is worth thousands less as soon as it leaves the lot.
  • Cut credit card debt. A $20 shirt could cost $80 with fees and interest, pay your credit card bill on time.
  • Donate and have yard sales for the stuff that you don’t use.
  • Watch for fees. They are rampant; bank fees, atm fees, cash checking fees, late fees. These can add up over time.
  • Try to get a bargain on everything (cable, phone, internet – go for bundled package)
  • Instead of buying things new, get them used or for free on Craig’s List.
  • Any finally…utilize bargain websites to save money, check for best prices and coupons codes.

*** My favorite tip is this guide to 50 Fantastic Free Tools for Startups, I know many of you run small businesses or don’t want to spend hard earned cash on expensive software. You will find FREE APPS for presentations, email marketing, file sharing, publicity, surveys, file storage, invoicing, organize, password manager, online meetings, CRM, SEO, Social Media and tons more.***

Click here to download the PDF

 


Here are a wealth of Money Saving Tips videos to help you squeeze more out of your paycheck:
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