Ways to Save Money

In these hard times, money is hard to come by so you should know how to save it until things get better. Since it is a balancing act that is somewhat challenging, here are a few ways that can teach you how to save money. If you don’t want to lose your home like a lot of Americans have over the past year, you have to kill your debt first. You do that by calculating how much money you spend in a month and then see where the budgets can be made so there is money you can use to pay ...

Five Practical Ways to Save Money for Students

It can be hard to think of ways to save money especially for students since they don’t have their own money yet. This is because at times, for all the expenses while on campus, there is barely left to save. Although it is hard, it doesn’t mean that it is impossible for students to save money while studying. All they need is to develop good time management skills, strict budgeting, and practicality. If you are one of those who are thinking of ways to save money while on campus or even before you enter one, here are some of the ...

Six Simple Ways to Save Money

No matter where you look at it, there will be always ways to save money if the person has the will do so. If you are one of those who are trying to come up with ways to save money in this unstable economy, it is best to start with developing a simple lifestyle. When you are able to do this, the rest will follow. But, if you are one of those who are not sure where to start, here are some eight simple ways to save money. 1. Cut down on grocery or shopping sprees. Although buying groceries is a ...

Save Money Without Feeling Poor

Yes. You are feeling the economic crunch. Times are hard and you are finding it hard to even make both ends meet with the rising costs of basic necessities and the fact that you lost one of the part-time jobs that you are holding. This is the common scenario that people, not only in the US, is feeling. They may not have lost their jobs but they have certainly found it hard to earn extra. Can you blame them then if they look for ways to cut costs and save money? Although it looks like a pretty daunting task, it’s not ...

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10 Ways to Save Money Every Time You Shop

This article outlines ten great ways to save money.

Do you think you're a smart shopper? How many of the following money-saving tips did you know?

1. Eat with the sales. We humans used to eat with the seasons out of necessity.  Whatever food was in abundance, we ate. It pays to eat with the sales now because when produce is "in season", it usually is on sale. This means buying blueberries in July and apples and cranberries in autumn.  The key is to plan meals with seasonal recipes.

2. Shop with the sales.  Some items go on sale seasonally. Car dealers are motivated to sell this year's models in the last months of the year. The week after Christmas is the time to buy Christmas decorations. Winter clothes, towels and linens go on sale in January.  School supplies are on sale in the weeks before school starts. 

3. Use coupons and make it fun. If your coupons come in the Sunday paper, try to get ten times the value of the paper in coupons. For example, if your Sunday paper costs $1.00, try to get $10.00 in savings each week.  Over a year, you'll save more than $500 dollars. Another great source of coupons is the Entertainment Coupon Book.  This coupon book is available in most major cities and can save you money at local businesses, such as restaurants and dry cleaners. You can get this coupon book at entertainment.com.

4. Automatically find out about deals. Get a membership at BonusWire.com. Every week BonusWire.com sends you a list of companies who offer freebies, deals and bonuses. Find out more at bonuswire.com. Another handy website that will point you to deals is CoolSavings. They will send you coupons for brand name products such as Pampers and coupons to stores such as Petco. Sign up at coolsavings.com.

5. Before you buy online, do this. Are you shopping at a well-known website? Serious online savers search for "companyname coupons". For example, go to Google.com and search "Gap coupons" or "Target coupons".

6. Get a deal after the item has sold out. What happens when you have a store coupon for a GREAT deal but when you get there, the store is out of the item? A little-known secret is you may still get the item for the coupon's price - simply ask the clerk for a "raincheck".A raincheck is a little form that extends your coupon for a week. This only is a possibility with store coupons, not manufacturer's coupons. Also, the original coupon can not say: "While supplies last".

7. Pay cash whenever you can. Many of us carry credit card debt, which only makes us poorer. The benefits of paying with cash: 1. No interest 2. Some companies offer a discount for cash. For example, a furniture store may offer a 2% discount for cash. When you are buying a big-ticket item, ask if there's a discount for paying with cash.

8. Combine savings. Did you know sometimes you CAN combine savings? For example you may find products on sale AND use a coupon. Try that the next time you go to the grocery store. Here's another example, a store runs a special where they will pay the taxes PLUS you could pay cash and get the cash discount.

9. Try this last minute money saver. Before you make any large purchase, ask the salesclerk this question: Can you do better than that? This question can save you hundreds of dollars each year. Just wait until the seller has told you the price and say, "Can you do better than that?

10. Get a deal AFTER you buy it. What if an item goes on sale after you bought it? Did you know some stores have a policy that gives you the sale price even if you bought a week earlier? This can apply to big-ticket items such as cameras, TVs and furniture. It's worth a phone call to the store to find out if they'll refund the difference.

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