Global Business Media

In this article, I have thought about and show you some simple ways to save money and with any luck, at least you do not mind.

The first thing you should do after reading this article is wake a laptop, PDA or another way to keep track and start recording costs. Write down every purchase you make, and even a soda or snack from a vending machine. Keep it up for at least a month, and then look at where the money goes. You can start to see a trend that you will end before the month is over and by all means, change it. You may also want to do this more than once. It’s a great way to keep from falling back into or developing new bad spending habits.

Improving your credit card balances and prices. This is an obvious and numerous books and articles have been written so I will not waste too much of your time repeating the same old information. Just know that a lower interest rate and the faster you pay it off, the more money you save. Start with the highest rate card and pay as much extra as you can before it’s paid off and then go to the next and include what you pay for the first card. You can easily drop $ 100 per month just from this one.

Bring lunch and snacks to work. If you use $ 5.00 per day at fast food lunch and drink 3 sodas a day could easily save about $ 15.00 – $ 20.00 per week and that would be about $ 60.00 to $ 80.00 a month just by packing a lunch, not including gas and wear and tear on your car. Not to mention how much healthier it would be. You may just want to cut back on lunches, but it will still be a savings account. Just a thought, you can use the extra time to read a book or just relax.

Buy Regular Unleaded gas unless your car requires higher octane gas. Check your owner’s manual to be sure. Most places charge 20 cents for a gallon extra for Supreme over Regular Unleaded and unless you drive a sports car, you could not tell the difference. Depending on the gas mileage this could add up quickly.

Use a shopping list and stick to it. Avoid impulse buys unless they’re something that you normally use, and on sale. Clip coupons. If you think it is not worth it, try it for a month and keep track of your savings accounts. If it is more hassle than it’s worth you can stop. But I’ll bet you’ll be surprised how fast it adds up. Pay attention to prices at different stores. Most stores offer some products under wholesale just to take in, because they know that most people will buy other things and they want to cash in on higher prices items.

Do you still smoke? I bet you expect me to say quit. Well, there you will save money, but I’m not going to. If you want to quit then I wish you good luck, because I know it’s hard.