You want to save money but find it hard to stash any real cash. Everybody has bills, debt, etc and they can’t afford to do everything that want to do. That’s life!
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Let’s talk about some of the biggest money oversights that could help you stash some major coinage. Making these mistakes can save you a ton of money. Let’s remember Rome wasn’t built in a day.
Google can be your best friend. Simply before you purchase anything online be sure to do a google search for a promo or coupon code. There are plenty of websites to search for coupon/promo codes. Retailmenot and Groupon are two of my favs for coupons. My cousin saved $300 on a hotel stay in Florida this year doing this very same thing. Also don’t sleep on Groupon for events and other things you want to do in your area and when traveling. There is also an option to purchase Groupons as a gift.
is a wonderful website that gives cash back on purchases when you use their links to shop. Why not get money back, if you’re already going to spend. On a computer, they have a plug-in that will make saving easier. This plugin will let you know while browsing if the site participates and lets you activate savings by the click of a button. The checks are mailed out quarterly or deposited directly to Paypal. Make it more of a habit. While it might not make you rich an extra $100 every three months might help knock down some deb
I know this is old school but checking the sales paper is also very helpful. Stores like Walgreens and CVS usually have the sales paper at the front of the store. Even if you are going in for a couple of items give the sales paper a quick glance might help you discover the items you’re buying are on sale. I don’t know about you but if Sunkist is on sale and I was looking for Fanta I’m making the switch.. Every little bit counts.
4. Pay Attention
Have you ever been a victim of identity theft? Often times we get so wrapped up in the motions and routines that we don’t really pay attention. Make it a habit to go through your bank and credit card statements. Make sure you are not being charged for anything that you are not aware of . This also helps protect against identity theft by keeping up with charges in your account. Don’t wait for your card to be declined to find out about an unauthorized charge on your bill. This is also your opportunity to search for subscriptions you no longer use. if you haven’t used it in the last 6 months that’s an automatic cancellation. If it has only been 3 months maybe it’s time to reconsider if it is a want or necessity.
5. Make A List
Making a grocery list is a great way to save money and stay on budget. Many times when I don’t make a list I buy things that I already have at home or don’t really need. Making a grocery list forces me to check and see what I have on hand before I venture out to the grocery store. Grocery list also helps curb impulse shopping. That’s why stores have all those beautiful handy gadgets by the register. I make this my daughters responsibility, she is in charge of doing inventory andmaking the shopping list. I used to check behind her but now she’s a pro. Not on the list then it’s not in the cart.
6. Take Your Time
When making a purchase shop around. Don’t just go with the first price you are given. Even with Amazon, different products are offered by different sellers. Take the time to shop around as long as there are plenty of good reviews. You got a winner!
7. Pack a lunch!
For my meal preppers you already know this struggle. Taking snacks with you when going to run errands can be a great way to save money. When you don’t have a snack available it will cause you to shop at fast food restaurants more frequently and break your budget. Just three stops a week can total up to at least $120/month. Now that sounds like a bill that can be paid.
8. Cook Dinner
I know the struggle is real and many times you get home and just don’t feel like cooking. If you have teenagers let them help. My daughter has to cook dinner on Wednesday and Saturdays. She also cooks enough so that leftovers can last for the day after sometimes. I know some don’t like left overs for them I would suggest getting really acquainted with the Crockpot. Cook dinner for the next day while you are sleep. Google Crockpot recipes there are some really good ones. This is also a great activity for teaching your children how to cook.
9. Don’t Wait!
Waiting until the last minute can be very costly. Many times planning can help you catch it on sale or spend less. Last minute is the same as less options. Either you are pressed for time or just don’t feel like shopping around at the last minute. Planning can save a lot of time and money in the long run. If an event is coming up that you need to shop for start watching out for those items you will end up saving a pretty penny.
Shopping at the thrift store is a great bargain. My daughter is an avid reader. We get 99.9998% of her books second hand. She will read most of them only once and then they will sent on the bookshelf with the rest of her collection. She enjoys finding titles and runs to the book section every time we visit. Clothes can also be found at the thrift store, I can’t tell you how many times I have found items with brand new tags on them. Just because it is second hand don’t mean they are worn down. How many times have you donated clothes that you never touched and had it for years? I know I do it every year. It was beautiful on the rack but not so much when I got it home.
Credit is vital to our life in this day and age. Having a good credit score can save you a lot of money. We maintain our hair better than we maintain our credit. Car loans and insurance premiums both use your credit report to determine the chances of receiving payments in a timely fashion. The better your score the lower your payment. This is the difference in how much of your money will stay in your pocket and ultimately a big difference between the rich and poor.