Save Money On Products You Buy Every Day
Shopping with online coupons can help you save money on things you use every day.
Online coupons sites offers hundreds of coupons that can help you save on items such as vitamins, auto parts and children’s clothing.
Best of all, there’s no sales tax. You can often find free shipping and you will save yourself a lot of hassle between high gas prices and long lines at the checkout counter.
Savings for health-related products discounted with coupons at simplybestcoupons.com range from “buy-one-get-one-free” offers to steep price cuts – as high as eighty percent.
Retailers in the health and beauty section include Drugstore.com, The Vitamin Shoppe and the House Of Nutrition.
Remember to bookmark the health and beauty section of your online coupons rather than bookmarking the individual company’s page
– your discounts come thanks to the affiliate linking system set up by agreement between the two websites.
Don’t get cheated out of your discount! Once you’re used to using online coupons, this will be a breeze.
Your “daily use” product purchases with online coupons may change weekly depending on the specials being offered at that particular time.
Some online coupons never expire, and you can keep using your coupon until the retailer decides to change offers, or the rules stipulate a limit on the number of purchases.
You may gravitate towards certain kind of products that you buy with online coupons, but be sure to check out the other offers.
The Children’s section, for example, has great money–savers on products from the Crayola Store, Jostens class ring service and many others.
You may not need these products right away, but sooner or later the time may come and you’ll be glad you bookmarked those pages too.
There are plenty of great coupons available for things you least expect. Ever thought you’d save money on replacement checks with an internet coupon?
It’s true – a company called Checks Unlimited offers a deal for a low price (per box) and your fourth box of checks comes free
– just for clicking the proper link. Another great find is the Franklin Covey store. Now you can get discounted office supplies for the home office, school or your 9-5 workplace.
Online coupons are a great innovation; your savings can start immediately, you save gas and get all your purchases delivered right to your door or PO box. Don’t pay full price ever again!
Modern Ways of Saving Money: 4 Tricks that Can Make You Rich
Saving has always been a way of life for people who believed on its power. These people know that they have to save more money in order to create a more established future.
However, as time goes by, more and more people find it hard to save money. They contend that saving is no
longer a way of life but a resolution that they have to strictly adhere to just to salt away some amount of money.
Some people even insist that it is no longer possible for a person to save more money because most of them are already living paycheck to paycheck.
With all the high-prices of commodities these days, saving more money is no longer workable.
But the point is that people can indeed save more.
How? Here is a list of some modern ways that will let you save more money:
1. Save some percentage from your salary
Most money-savers automatically take at least 30% from their salary and save them into their savings account.
The basic concept here is that most of us spend whatever amount we have on our paycheck,
and maybe even more. If you are able to limit that amount, your expenses will unexplainably get smaller.
2. Pay everything in cash
Credit cards had always been a way of life for most consumers. The problem is that they become so comfortable with it that they tend to spend everything on credit.
In fact, statistics show that the average family has an average outstanding balance on their credit cards amounting to $7,000. And they even pay almost $1,000 in each year just on the interest charges alone.
Hence, because of this comfortable shopping, they forget to keep track of their expenses and accumulate more payables than what they can afford to pay.
3. Set goals
Create goals that you really want and not be fickle-minded about it. If there’s a certain amount involved, be specific with the amount, like saying “I will save $5,000 in a year and not around $5,000.”
Try to set your goals based on your priorities. Have a period for every goal.
4. Check your company’s retirement plan
With your employer plan such as the 401(k) or the 403(b), you can definitely save more money for the future.
Here, your company will deduct a percentage of your salary from each paycheck and invest the amount in your choice of instruments—mainly mutual funds.
The bottom line is that saving is not just a way of life or a resolution. It’s the ultimate gratification that you get as a fruit of your labor.
Saving Money Can Help You Avoid Bad Credit
One thing that many high schools today fail to teach students is finance management. Studies have shown that many students graduate from high school without knowing the basics of personal finance.
Many of these same students will shortly be sent a credit card after their graduation and because of this it is easy to see why so many people today have problems with debt and bad credit.
Broadcasting Some Bad Habits
The news and media are a part of the problem as well. We live in a society where people are constantly told that they need to borrow money in order to pay for things like cars,
houses, appliances, and other large expenses. Financial experts tout the benefits of using secured loans, home loans, or other credit tools in order to pay for the things you need.
The concept of saving money is rarely mentioned. Many people borrow until they realize that they’ve borrowed too much,
and then it is too late. They end up debt they can’t get out of, and their credit could be ruined.
Save For Your Future
Saving money is a simple way of getting the things you want. It promotes discipline, honesty, and hard work. It is also a way of building long term wealth,
especially if you put the money in an IRA, 401K, or other long term investments. It is a fact that the average American who makes $33,000 per year are guaranteed to make well over $600,000 in 20 years.
The problem is, after 20 years have passed, most Americans don’t have anything to show for it. This is because they fail to save money.
Money, Money, Money
Most choose to take the easy way out and loan money from banks and credit card companies to pay for those big expenses like houses, cars, and education.
These institutions will always charge interest on these loans. Consumers will never pay back what they owe.
They always pay more, because interest is money that is charged on money. In effect, credit card companies become the masters,
while many consumers play the role of being slaves. These institutions are guaranteed to get back more than they loan because of the interest they charge.
Because of this, it is important to save money for big purchases. Since we live in a society that is credit based, there is nothing wrong with having one or two credit cards.
However, too many people end up with so many credit products that they put their financial future in danger.
Saving money is a simple thing that anyone can do as long as they have a job or own their own business.
You want to set goals for yourself. If you make $33,000 per year, this means that you probably make about $2,750 per month.
Imagine What You Would Do
What if you could set aside $750 of that money and save it? By the end of the year, you would have saved $9,000. Instead of carrying this balance on your credit cards,
you could have it in your bank account. If you do that for another year, you would have saved $18,000. As you can see,
doing this for a number of years can give you a fantastic amount of money. This is especially true if you invest a portion of it in mutual funds or other investments.
Personal Finance Training Starts at Home
Parents should teach their children about the importance of saving money while they’re young.
Don’t count on the school system to do it, because it is likely they won’t. Instead of buying them something when they ask for it, why not having them do chores or jobs and then pay them?
This will teach them to be mature and responsible when they are young, and when they get older they will not be prone to
getting credit cards or loans in order to pay for expenses; saving money can help you avoid having bad credit.
Save Money on Groceries
One universal of humanity, no matter who you are or where you come from, you have to eat. Unless you grow your own food, you will have to go to the grocery store to get it.
That means money. Here are two very simple but highly effective methods for saving money on the food you buy.
Save Money on Groceries: Coupons
While you can find them everywhere, people rarely use coupons. If you are one of those people who does not use coupons,
this phrase may change your mind. Free money. That’s exactly what coupons are, free money.
If someone were to put money in your hand, no matter how small the amount, you wouldn’t throw it in the trash.
That is exactly what takes place when you throw away coupons for things you buy; you throw away free money that the manufacturer gives you for buying their product.
That $0.30 here and $1.00 there starts to add up.
Save Money on Groceries: Plan Your Meals
It sounds like it is unrelated to saving money on groceries but planning you meals for the week goes a long way toward helping you in this area.
When you have a specific plan for what will be eaten each day, you can avoid falling into the trap of buying food that no one eats.
Planning your meals does not have to be complicated. It can be as simple as saying, “Monday – Chicken and pasta”.
From there, you know what to buy and are less likely to be tempted to stray from you money saving plan.
Saving Money by Renting
For many renters the possibility of using a rental situation to save money is a foreign idea.
These renters often bemoan the fact that they have to rent a property rather than purchase a property because they feel as though not owning the property is basically throwing money away each month.
However, this is not entirely true. While there are certainly benefits to homeownership and building equity homeowners can also benefit financially by renting an apartment rather than purchasing a home.
While it is certainly true that money spent each month on rent does not get the renter any closer to homeownership
while each monthly mortgage payment makes the homeowner one step closer to owning the property completely.
However, this is not the whole story. Renters should also consider the amount of money they will be able to save annually for the purpose of purchasing a home by living in a rental property right now.
A Smaller Apartment Can Lead to a Bigger House
Some would be homeowners find renting a small apartment can allow them to start saving for the purpose of purchasing a house in the future.
Renters who are willing to sacrifice comfort now and stay in the smallest apartment possible will likely be able to save the most money towards purchasing a home.
In general the monthly rent for an apartment is based on a value per square foot. This value may vary
slightly from one property to the next but is likely to be very similar in properties in the same general area.
This means apartments which are smaller in terms of square footage are likely to be less expensive overall.
Therefore renters who would normally feel more comfortable and able to spread out might opt for a smaller apartment just so they can begin saving more money for their home purchase.
Budget Wisely to Save Money
Renters who want to save money for the purchase of a home while renting an apartment should understand their monthly rent is not the only factor which may prevent them from saving money while they rent.
For example entertainment costs should carefully be considered when a renter is trying to save money.
Most rental properties have a fully equipped kitchen making it ideal for the renter to prepare meals at home as opposed to going out to eat.
Renters who cut down on eating dinner out may find they are able to save quite a bit of money each year.
Likewise renters who are spending an excess amount of money on superfluous items may have difficulty saving for a house while renting an apartment.
Examining all current monthly expenditures can help the renter to determine where there is the potential for financial savings.
Making changes such as debt consolidation may be one way to decrease monthly bills but this is certainly not the only solution.
Renters can make other changes such as canceling subscriptions to premium movie channels, minimizing cell phone plans
to include only the amount of minutes used each month and making changes to insurance plans to result in an overall savings.
Changes to insurance plans may include having your car and renter’s insurance covered by the same carrier. Many carriers offer discounted services to renters who are willing to bundle their services.
All of these slight changes can help to enable a renter to save money for a home purchase in the future.
Five Great Ideas to Save Money
Want to save money but don’t know how? Feel like depriving yourself when it comes to saving money?
Don’t be disheartened. Try these five money saving ideas, without breaking up a sweat!
Reduce or eliminate magazines. If you are a typical American family, your mailbox gets its regular fill of magazines: business, sports, home and garden magazines.
Can you imagine how much each of these subscriptions cost? Annually, it is an average of about $20 per magazine.
If your family is subscribed to 5 different magazines, that’s already $100 savings per year! If you still need the information from such mags,
try to check out their websites and you’ll be surprised at how much free information is available!
Buy in bulk. How can warehouse and discount clubs drastically lower their prices? Because they buy and sell in bulk. And so should you!
Consumables that are non-perishable can be purchased 10-15% cheaper when bought in bulk.
Be sure to stock up only on fast-moving items such as kitchen towels, cleaners, canned goods, etc., to avoid wasting money on rancid food.
Eat at home. Eating out has become an American lifestyle. What used to be an activity to celebrate special occasions has become part of the daily,
fast-paced life. But did you know that eating out could chomp as much as 40% of your budget for food? That’s as much as $40 weekly, saved just by eating in!
Plan your meals. Eating out 4X a week need not be your solution to a dynamic lifestyle. Menu planning is! Take time on weekends to plan for the following week’s meals.
Every night, before you hit the sack, take out the ingredients for the meals of the next day from the freezer, and store them in the refrigerator.
By the time you get home from work, everything is thawed and ready to be cooked. And because eating out is part of the American way of life, you would have saved enough money to spend for dining out on special occasions!
Homemade skin care. Is your dermatologist eating up your budget? Don’t you wish you can be beautiful and save money at the same time?
The answer is yes, you can! By using ingredients from your pantry, you can take care of your skin and still save a fortune. Try the following:
– Honey and oatmeal can exfoliate dry skin.
– Ginger seeped in a bath softens your skin.
– Cucumber and milk softens tired skin.
Without drastically changing your lifestyle, you have started your path on saving money. Secure your future by using these money saving ideas, today!
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