There is no denying the fact that saving money is a herculean task. Most of us would agree that we do struggle to save money. But as the saying goes "Nothing is impossible", you'll realize after reading this article that saving money is also not impossible! Saving money does not have to involve, making life-changing sacrifices, all it requires is to take some wise decisions and make a few minor alterations in our lifestyle. This article would definitely help you to find an answer to that one constantly lingering question in your mind, how to save money?
Simple Ways to Save Money at Home
Some easy ways to save money fast by bringing in minor changes in what we consider to be a great desideratum in our daily lives:
On Groceries:
- Make a budget. Budgeting is the first and foremost thing which should not be ignored
- Make a list before walking into the store
- Before leaving check the pantry, fridge and cupboard to ensure that you don't buy what you already have at home
- Inquire about the sale period in your store
- Avoid buying prepared food, instead cook yourself double the usual portion and freeze it for later
- Be open to buy store brands as the quality is the same as the regular brands and anyway, the name mustn't matter when saving
- Buy the toiletries at a grocery store only if it is on an offer or else avoid as these are a couple of dollars costlier at such places
- There is nothing wrong with using coupons, they are as good as cash
- Look for your store's weekly advertisement fliers
- Look for coupons in the Sunday newspaper
- Plan a holiday during off-peak season
- Go to an off-peak vacation spot
- Conduct a thorough research on the offers available with different companies
- Opt for a family package deal instead of individual deals
- If you are an adventurous kind, then do it yourself. Plan a vacation yourself instead of having it done from agents. Choose the destination and learn the means to reach the desired destination and plan and work out the cost accordingly
- Book the flight tickets in advance to get cheaper offers
- Avoid shopping at duty free stores, as they are overly expensive
- Make a list for your Christmas shopping
- Don't wait for the last day, start your Christmas shopping early. Grab the offers as they come or else you might have to spend double of it later
- Try to make homemade gifts for your near and dear ones, as they are not only cheaper, but it would mean much more than merely buying another gift from the store.
- Cut the landlines if all members of the family use mobile phones
- You could also use Skype on your mobile or Internet to make free phone calls
- For electricity, opt for fixed-bill plans where in a specific amount is payable every month for a specific period
- Change your incandescent bulbs to the energy saving CFL(Compact Fluorescents)
- Use a fuel efficient car
- Get programmable thermostats as it has multiple automatic settings and sets according to the outside temperature
- Instead of washing your clothes with hot water, wash them with cold water and that can save up a lot of energy
- Obtain credit cards with annual fees
- Make 'auto pay' payments to the credit card companies to avoid being charged a late payment fee (if you are not in the country or just forget to do it on time)
- Avoid getting a cash advance, as they come up with a higher interest rate
- Rent DVD instead of buying one or watching it in a theater
- Avoid eating out except for weekends or so and take a brown bag lunch to work. This would take care of your health too
- Book your tickets on-line and book them in advance for events and concerts
- Instead of taking your friends to a fancy restaurant invite them home for a house party, it will be more fun and you wouldn't have to spend a lot
- Get yourself a library membership where you can get free books and magazines and could also get free Internet access
- You don't really need a gym membership. The best alternative would be to spend quality time with your family. You could play a sport with kids which is anytime a much enjoyable work-out!
- Explore the nature. Take a walk or go for a walk and enjoy the beauty
- Visit local museums and zoos, they usually have annual passes which means one pass and multiple visits to go see your favorite animals anytime of the year
- Read on-line magazines instead of taking of taking up subscriptions to the printed magazines
- If you must go to restaurants then go for lunch instead of dinner as they are relatively cheaper.
- Kids can earn their daily allowance at home by doing some chores. It also helps them make a responsible individual
- Make your own lunch and save the lunch money
- Can sell the 'no longer in use/need' stuff like toys and comics and make money
- Set up a savings account or ask your parents to set one up for you
- If you saved more than how much you would need to spend and if you have been doing it consistently, then make sure you invest the money, mostly by opening an investing account where in you get returns in the form of interest
- Understand your needs and manage your money accordingly. You can't have all that you need with $50. You must prioritize and understand what is it that you are in need of most and what is it that can be left for later
- Take up a job. Teens can take up a job like babysitting, pet-sitting, gardening and many more.
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