A Few of the Best Ways to Save Money

In today's financial climate it can get very hard to find a little extra money to put away for that rainy day. I did not say that it was impossible just kinda hard to be able to build up the emergency fund when it seems that every day is an emergency. Here are three of the best ways to save money even when money is tight. Save Your Change Set up a change jar. I have mine set up at the kitchen counter by our back door where I always empty my pockets. I throw my keys on the counter next to my wallet and I plug in my cell phone and throw all my change (every day) into my jar. Twice a month I empty my jar and take it to the bank sometimes there is only two or three dollars in it and sometimes five or six. It is amazing how fast it adds up. At approximately $8.00 each month it comes to $96 a year. Not a fortune but better than a sharp stick in the eye. Save Coupons and Use Them Start to clip coupons or better and easier, just print them off your computer for the brands you use. It is amazing how much you can save on your monthly grocery bills if you just do a little work at it. Of course if you are going to save then the money you do not spend you must put into your savings account. What we have done is set our bi-weekly food budget for the amount we spend to eat each payday. Then we clip coupons and look for deals while shopping so we do not spend our entire budgeted food allowance. Depending on the coupons we find for the two week period we can save $10 to $20 each time which adds up to an average of $30 per month totaling $360 per year. Again not a fortune but $360 plus the $96 comes to $456 each year. Pay Yourself First This is a must if you are ever going to build up your emergency fund. Just put yourself in the budget and pay yourself every payday the same as you would pay your electric or phone bills or any other creditor. Make sure that you drop it into your savings account right away or you will spend it on something you really do not need. If you pay yourself only 10% of every payday it will add up fast. Say you bring home $400 per week 10% is $40 times 52 weeks totals $2080 per year. At only 5% it would total $1040 per year. As you can see just these three of the best ways to save money can put a sizable sum into your emergency fund in as little as a year. Add seven more ways to save and look out world here we come.

You can find more ideas by clicking on the best ways to save money. You can find out how to live on less money each and every day at my blog Bondage Breaker: Financial freedom is possible.
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Two of the Best Ways to Save Money and Build Your Emergency Fund

Since the goal of my blog and this article is to entice us to become financially free, learning the best ways to save money is an essential element. Here are two of the best ways to save money. Now always remember that we are saving this money so that we can sock it away in our savings accounts. The first and most important savings account is our emergency fund. We must get three to six months set aside for those unexpected things that will eat us out of house and home. So don't just save money when you buy stuff put away what you do save. The first way to save money is to walk away from all those extended warranty sales pitches you get when you buy anything electronic, appliances and other large items like snowblowers and air conditioners. The stuff we purchase today is already warrantied for so many months and if it makes it through the initial warranty it is very unlikely and very rare for them to break. The second best way to save money is to buy your seasonal items during off-season times. If you can find a snowblower in April, May or June you will be able to save over and above 50% on it. If you are going to buy a snowblower for next Winter anyways then get it a few months early and then put what you saved into your emergency fund. The same goes for your lawnmower, fishing supplies or rototiller and the list is only shortened by your lack of imagination. Just a couple of the best ways to save money and when you apply these types of ideas or "tips" you will in short order find yourself building your savings quicker than you thought possible. I believe in enjoying life and to be honest with you when the emergency fund is up to snuff then it is a lot easier not to get thrown into the doldrums of "How am I going to pay for that?"

Head on over to my blog Bondage Breaker: Financial Freedom is Possible and check out the best ways to save money.. Make sure you check out the Featured items in the right hand corner there is some good stuff listed.
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Learning to Save Money

Saving money is at the heart of all of your financial goals. Want to get out of debt? Want to save for retirement? Want to just make ends meet each month?

You are going to have to learn to save money. It can be hard to learn, but is actually quite easy once you get the hang of it. Here are a few tips for getting started.

First, you have to start organizing your finances. This will help you in seeing your true financial situation. How will you be able to get out of debt if you don't know how much debt you have? How can you save if you don't know what you are spending? Gather all of your financial documents and calculate what your monthly bills are. Take the time to create a budget. Be honest and include everything -- otherwise your budget won't work.

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How To Save Money When Buying A Car

In case you were wondering why you shouldn't buy a new car from a dealership here's why. If you were to go out right now and buy a new car from a dealer, you'll be paying full price less the additional extras the salesman throws in to get you to buy it.

After the first two years of the new car's life, you'll automatically loose up to 40% of the value of the car assuming you bought it brand new. And on top of that if your new car was five years old it'll loose up to 65% of its original price. So the logical thing to do is to buy a car between 3 and 5 years old. So you don't loose half the value because it's already halved. So my advice to you is to buy a used car instead of a new car. Read more

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