Saving Money, Top 10

Top 10 Ways To Save Money

Looking for some ways to save money?  How about ten ways?  Cool.  Check out my Top 10 Ways To Save Money – Click the links to read individual articles about each tip! Number 10 – Cook and Eat at Home Eating out is expensive, especially for families.  Shop wisely for groceries and eat at home. Number 9 – Give Up Hobbies This can be a tough one, but giving up hobbies (at least temporarily) can save some serious cash. Number 8 – Purchase Fresh Produce Shopping locally, in-season, can result in some real savings. Number 7 – Get Fit This one is tough for me.  I work hard to lose weight – and maintain my weight loss – because I…

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Top 10

Top 10 Ways To Save Money – Number 2 – Live On A Budget

Let’s take ten minutes and create your new budget for December. Write down your expected monthly income.  (Use your take-home pay.) Write down your expected monthly expenses. Include everything – gasoline, groceries, rent, mortgage, insurance, food, clothing, gifts, miscellaneous, cell phones, credit card payments, etc.  Need help?  Look over your bank statements from the past couple of months.  These should help you compile a pretty accurate list. Subtract expenses from income.  Did you get a positive number?  Good!  This is the amount that you can budget for extra savings or extra debt reduction payments.  Did you get a negative number?  Not so good!  This is the amount that you need to earn (in the form of more income) or reduce…

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Credit, Top 10

Top 10 Ways To Save Money – Number 3 – Avoid Paying Credit Card Interest

On February 6, 2006, I made the final debt reduction payment and finished paying off all of my debt.  Since then, I’ve been living debt free. I do not make monthly payments to creditors. I do not pay interest to credit card companies. I am free to do what I want to do, when I want to do it, with my money.  Life is good. I loathe the thought of paying interest.  I spent 15 years of my life paying interest – on cars, trucks, furniture, appliances, clothes, food, and dozens of other silly things.  Now, however, if I don’t have the money to pay for an item, well, I just don’t buy that item.  I have to wait until…

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