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It is time like never to before to consider and evaluate how you are spending and saving money. With the economy on a slow rebound, it is important that you consider these tips on reducing expenses:
• Track your spending in a notebook. If you discover that 30% of your income goes to eating out, pack a lunch. There are two websites that offer free budget tracking services. They are www.mint.com and www.quickenonline.com.
• Borrow instead of buy items for any event that is only going to yield a one time use for the item. For instance, borrow a friend’s shoes for a wedding instead of buying or borrow a tie for a job interview, etc.
• Stop paying for items you do not use. If you have a gym membership, but do not go to the gym then cancel the membership.
• Consider car pooling.
• Give up lawn care service or doggy day care.
• Clip coupons and look for discounts. Buy generic. Visit www.lowermybills.com for other ideas on saving money.
• Buy from dollar stores, buy from the clearance rack, etc.
• Pay bills on time to avoid late fee, keep track of balance in account to avoid over draft fees, etc.
• Cancel landline if you use your cell phone more.
• Sign up for an energy audit to find out if your home is losing energy.
More importantly take this opportunity to teach your children about economy hard times and allow your children help develop ways to save money on their own expenses. This activity will help them in the long run face economy hard times in their own adult life.
Originally posted 2009-08-23 05:00:19. Republished by Blog Post Promoter
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