Sabtu, 08 November 2008

how to save money

  • Spend less on food
    • Cook at home instead of eating out
    • Cook from scratch rather than eating premade dinners
    • Take your lunch to work
    • Grocery shop with a list and stick to it
    • Don't shop while you're hungry
  • Cut your transportation costs
    • Buy the right gas for your car (87/89/93)
    • Get your car serviced regularly to optimize gas mileage
    • Run all your errands in a single trip
    • Avoid unncessary driving
    • Carpool
    • Trade your SUV for a cheaper, more gas-friendly car
    • Telecommute if your employer will allow it
  • Reduce what you spend on clothes
    • Forget about designer labels
    • Get trend-proof clothes
    • Wear layers in the winter instead of buying new sweaters
    • Don't forget sales racks, thrift, and consignment
    • Launder your clothes appropriately to get longer wear
    • Avoid dry clean only labels
  • Be entertained for less
    • Cancel movie subscriptions like Netflix or Blockbuster
    • Exchange movies with friends instead of renting
    • Catch movies on cable instead of going out
    • Books: Use the library instead of buying new books
    • Music: Purchase a song or two through Amazon or iTunes instead of purchasing an entire album
    • Have game night with family and friends
  • Move to an apartment with lower rent
  • Refinance your mortgage for a lower interest rate
  • Get a roommate (or two)
  • Cut your cable/satellite cost
    • Cancel premium channel subscriptions
    • Go basic
    • Nix pay-per-view and movies on demand
    • Ask for a promotional rate
    • Cut it off entirely
  • Lower your phone bill(s)
    • Use your cell phone as your primary phone
    • Get free long distance
    • Bundle your phone with your cable and internet
    • Ask for a promotional rate
    • Get the right minute plan for your cell phone
    • Turn off unnecessary features, even if you have to talk or text less
    • Stick with the pre-installed ringtones instead of downloading new ones
  • Lower your utility bills

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