Money Saving Tip - 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 don't allow yourself this small “splurge”, you could find yourself in the same position as if dieting. Total deprivation leads to overindulgence.
A penny saved is a penny earned,
Renee
Tuesday, March 9, 2010
Monday, March 8, 2010
Money Saving Tip - Buy in Bulk
Money Saving Tip - 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.
A penny saved is a penny earned,
Renee
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.
A penny saved is a penny earned,
Renee
Saturday, March 6, 2010
Money Saving Tip - Plan
Money Saving Tip - 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.
A penny saved is a penny earned,
Renee
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.
A penny saved is a penny earned,
Renee
Friday, March 5, 2010
Money Saving Tip - Budget
Money Saving Tip - 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.
A penny saved is a penny earned,
Renee
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.
A penny saved is a penny earned,
Renee
Thursday, March 4, 2010
Money Saving Tip - Landscaping
Money Saving Tip - 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.
A penny saved is a penny earned,
Renee
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.
A penny saved is a penny earned,
Renee
Wednesday, March 3, 2010
Money Saving Tip - Reuse
Money Saving Tip - 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.
A penny saved is a penny earned,
Renee
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.
A penny saved is a penny earned,
Renee
Tuesday, March 2, 2010
Money Saving Tip - Thrift / Surplus Stores
Money Saving Tip - 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.
A penny saved is a penny earned,
Renee
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.
A penny saved is a penny earned,
Renee
Monday, March 1, 2010
Money Saving Tip - Money Clearance
Money Saving Tip - Money 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 well-worth 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.
A penny saved is a penny earned,
Renee
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 well-worth 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.
A penny saved is a penny earned,
Renee
Saturday, February 27, 2010
Money Saving Tip - Holiday Gift Giving
Money Saving Tip - 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 without.
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. If you have to, for the adults bake a loaf of their favorite homemade bread or cookies.
A penny saved is a penny earned,
Renee
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 without.
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. If you have to, for the adults bake a loaf of their favorite homemade bread or cookies.
A penny saved is a penny earned,
Renee
Saving Money Advice
Saving Money Advice
People are always trying to save money, especially with today’s economy. No matter what your reason for saving, you can always find a way.
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 site 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.
A penny saved is a penny earned,
Renee
People are always trying to save money, especially with today’s economy. No matter what your reason for saving, you can always find a way.
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 site 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.
A penny saved is a penny earned,
Renee
Friday, January 29, 2010
Savings Accounts
Savings Accounts
Have you reached the point when merely looking at your bank statements you get a headache already? You might find your records out of place. You might even find yourself lost as to your current status and accounts. However, this is not a point for you to simply fret.
Now, you have to take matters into your own hands.
Saving Money
Saving money is an important matter. It is something that you have to do regularly to come up with a considerable amount. With the current trends of the economy and the widespread consumerism, it has to be part of your lifestyle as it is your way to ensure a brighter future.
Banking
Most people who really want to save would maintain a savings account in a bank rather than put it in a money box or under a pillow at home. Putting the money in the bank is really a prudent move. The money is in safekeeping. It is not within your immediate reach, thus it is not within your immediate disposal. It can even earn interest.
Banking Strategy for More Savings
This means organizing your finances. This is where you look at your status, plan ways to improve your standing and make terms work for your benefit.
Savings Account
Having a savings account is definitely a sure way of getting assistance in your pursuit to save. However, you must be doing the right thing. Your money must really stay there. You actually have to maintain a certain amount to earn interest with your account.
If you cannot keep yourself from withdrawing, hide your ATM card. This defeats your goal to save and too many withdrawals will incur you fees.
Long-Term Deposits
Should it prove difficult to keep your savings account balance intact, you can opt to long-term deposits. This is where a certificate of deposit is given to you in exchange of a certain amount of your money. You can get a higher interest rate here, so your money can earn more. You are also not allowed to get back the money within a certain period or else you have to pay a fine. The fine should be deterrent enough to keep from spending.
Features and Offers
Identify among the various banks out there. Consider the features they provide to clients. One bank will offer higher interest rates although you may feel more secure with another bank. Some also give special offers for a certain period. Simply know your options and study the information carefully before making a decision.
A penny saved is a penny earned,
Renee
Have you reached the point when merely looking at your bank statements you get a headache already? You might find your records out of place. You might even find yourself lost as to your current status and accounts. However, this is not a point for you to simply fret.
Now, you have to take matters into your own hands.
Saving Money
Saving money is an important matter. It is something that you have to do regularly to come up with a considerable amount. With the current trends of the economy and the widespread consumerism, it has to be part of your lifestyle as it is your way to ensure a brighter future.
Banking
Most people who really want to save would maintain a savings account in a bank rather than put it in a money box or under a pillow at home. Putting the money in the bank is really a prudent move. The money is in safekeeping. It is not within your immediate reach, thus it is not within your immediate disposal. It can even earn interest.
Banking Strategy for More Savings
This means organizing your finances. This is where you look at your status, plan ways to improve your standing and make terms work for your benefit.
Savings Account
Having a savings account is definitely a sure way of getting assistance in your pursuit to save. However, you must be doing the right thing. Your money must really stay there. You actually have to maintain a certain amount to earn interest with your account.
If you cannot keep yourself from withdrawing, hide your ATM card. This defeats your goal to save and too many withdrawals will incur you fees.
Long-Term Deposits
Should it prove difficult to keep your savings account balance intact, you can opt to long-term deposits. This is where a certificate of deposit is given to you in exchange of a certain amount of your money. You can get a higher interest rate here, so your money can earn more. You are also not allowed to get back the money within a certain period or else you have to pay a fine. The fine should be deterrent enough to keep from spending.
Features and Offers
Identify among the various banks out there. Consider the features they provide to clients. One bank will offer higher interest rates although you may feel more secure with another bank. Some also give special offers for a certain period. Simply know your options and study the information carefully before making a decision.
A penny saved is a penny earned,
Renee
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