Finding easy new ways to save money

Compiled by "Finding big solutions for life's little problems"

Saving money doesn't have to be hard. Here are a handful of simple tips to help you save money starting today:

Invest your tax refund into a bank certificate of deposit so you won't be apt to spend it later. If you get a profit-sharing bonus or a rather large sales commission from your job, use a third of it to pay down your largest credit card or personal debt, use a third to put into savings, and have fun with the rest. Having a little fun with extra money you've earned will help keep you motivated to keep doing the same in the future, and you'll have accomplised debt reduction and savings build-up at the same time.

Pull out your home loans papers as soon as possible. Even though interest rates have been rising lately, it might be time now to convert your old adjustable rate mortgage into a fixed-rate loan now, especially if you're planning on staying put in your home for several more years.

Know where your money is going: Track "splurge" spending. Debit card statements or online bank statements can track "why-did-I-buy-that" purchases, and by totaling up your small purchases by month, you'll see where you can start cutting spending and increasing savings.

It saves money to pay off high-interest credit cards. Pay off the costliest ones first. Only transfer your credit card balance to a zero-percent card when you've cut up the first card and you've quit adding purchases to the new card (lock it up in a cabinet, make sure it's out of your wallet). Beware of paying off debt with home equity, as you'll generally just be reducing your home equity savings and spreading out credit card debt for years.

Make an appointment with your payroll department to learn all your options about automatic savings direct from your paycheck. Having 2-5% of your paycheck put directly into a 401(k) account at work or into your own personal IRA means you have fewer easy options to blow the money. Deduct the max allowed if your employer matches your contribution. Don't touch the money except for emergencies.

Make sure your home is adequately insured in the event of emergencies, but don't go overboard and over-insure your life. Shop insurance quotes with several firms. Determine how much you might save with the highest deductibles you can afford when buying automobile and home insurance. Ask about new discounts introduced since you bought your insurance policy from your current agent. If you don't find discounts, change agents.

Automate payment of regular bills to avoid late fees. Paying your bills late is the number one way to destroy your credit score. Some companies are easy to work with when you ask them to adjust due dates of your bills to better coordinate with your paydays. Pay credit card bills online, as you can pay the bill the exact day it's due and earn interest on your own money for as long as possible without having to send off a check 10 days early via "snail mail."

As you can see, saving money is as easy as taking the time to explore new ways to spend the money you already have, and to take action steps to keep your hard-earned cash working hard for you!

Here are free tips on how to save money, gleaned from public domain sources across the web:

6 Tips on How to Save Money When Shopping

Anyone can learn how to save money. You must be aware that shopping is very addictive. Most of the time, your household budget is sacrificed once you go shopping. Shopping should not give you headaches as long as you know how to budget. Here are the things that you need to remember:

1. Always remember to spend your money wisely whenever you go shopping. Bring only the exact amount of money you need in buying your items. To ensure that you only buy the important things, you have to make a list of the items that you need to buy. You may then budget your money wisely and will prevent you from buying things that are not that important.

2. It is advisable that you compare prices from different stores before buying an item. Do not limit yourself to just one store. There are stores that offer the same quality but can have a lower price. A smart thing you may do is to be attentive to the prices of the items that you buy regularly when shopping. There are instances that a store has an untimely changing of prices on different items.

3. It is recommended that you do your shopping during the end of the season. Prices of many items, especially clothes, are very low and affordable during this time of the year. You may buy clothes in the months of August and September if you are looking for bargain clothes for your summer wear.

4. You may shop in dollar stores where you can find items that are on sale and where prices are low. Although the quality of some items is not the same when you buy in malls and shopping galleries but the merchandises are still new and not yet used. These stores can provide you the best prices that can cope with on your budget.

5. Another way to save money while shopping is to economize the travel you make in finding the stores you want to buy an item. You may take a stop on your daily route to check if the items you buy regularly have not changed their prices or are still in the price of your budget. You may purchase the item even before you do your shopping schedule. This can save you fuel and time.

6. Try to find discount stores that offer quality items that have discounts and can offer a very affordable price on your desired item. The prices on discount stores may vary depending on the season of the year. These stores can be located in large shopping areas like in malls and shopping galleries.

How You Can Save Money By Avoiding Temptations

How clever are those sneaky merchants who trick us into spending money we don't have on things we don't need. But take responsibility! Saving money and financial management is very crucial in one's life. Money is necessary to survive in this world, but only a few people know how to manage their household budget properly. Many people have a hard time saving money even if it is for their own good.

Most of the time, you may be motivated to save money but there are times when temptations come your way and before you know it, you have already spent the amount that was supposed to be added to your savings account. Here are 6 ways you can avoid temptations and be able to save money:

1. Try hard to avoid those things that keep you from saving. If you are fond of buying shoes even if you don't really need them, try very hard to stay away from them. Keep yourself away from shoe stores so that you will not be tempted to buy one.

2. When going to grocery stores. Always bring the exact amount and bring with you a grocery list. If you have limited money in your pocket when in grocery stores, you will be forced to buy only those important things that you need. Preparing a grocery list will also help you get organized and will help you in deciding the things that need to be prioritized.

3. Go to the malls only when needed. Do not go shopping if you do not need anything important to buy. Window-shopping will only tempt you to buy the dress you saw in the boutique even if you don't really need it.

4. Do not bring with you your credit cards all the time. Having a credit card in your pocket will only tempt you to buy things that are not necessary. This will also help you lower your balances and have a good credit score.

5. You may want to save money in the bank or invest in time deposits. You will not be tempted to get money from the bank every time you need cash, if they are placed in a time deposit account.

6. You may also want to consider consulting a financial advisor. There are a lot of programs that offer these services for free. They may be able to help you and give you advice on how you can avoid temptations and save more money.

How To Save Massive Money When Shopping For Food

Going to the grocery store could be the most costly trip you'll take this year! Thinking of cutting down your expenses on food? Then you should read the following tips. They will surely help you on reducing your food expenses. They are by no means comprehensive but they will be very useful.

For coffee drinkers:

It is a good idea to re-use the grounded coffee once. Using coffee grounds two times or more will not greatly affect the taste of the coffee. It is highly encouraged to do this using a filter that is permanent and avoid the paper variety. Keep the grounds refrigerated until using it the following day.

For bread lovers:

Grocery stores sell bread that was made the day before at a much lower price. There is nothing wrong with eating bread that was made the day before since it still is good to eat. If you have a lot of space in your refrigerator, store a lot for bigger savings. If you will eat the bread, you can defrost it using your microwave oven. Re-heat it every 30 seconds to prevent the edges of the bread from getting too hard.

When buying from the grocery:

Before going to the grocery, you should have already made a list of all the things that you really need. Prioritize basic goods and avoid buying things that you do not really need. Observe the prices indicated on the displays. Remember, branded products cost considerably more than store brands. It is also a good idea to keep the receipt of your previous trip to the grocery and make it as a basis for your purchases on your next trip. To have higher savings, buy more of the product. You can always store it in your refrigerator or in the house to minimize your trips to the grocery store.

When eating outside:

If you are going to eat in a pricey restaurant, the best time for you to go there would be during lunch. Food during lunch usually costs less and this will be to your advantage. When staying at the hotel on your trips, it is a good idea to check if they also include breakfast in your total room charge. You should also find out where the locals eat. Chances are, they will eat where the food is great and the price is even better. When going around, carry with you some snacks. A chocolate bar, chips, and cookies will go a long way while strolling around.

Eating cheaply does not necessarily mean eating bad food. Look around and you will be suprised at the options you can choose from. Take time and consider your choices so that you will not only eat a lot but save some money also.

Four ways to stretch your money

Now is a great time to do some self assessment and figure out how you can make the next year even better than the last. It's also a logical time to take a look at your family's budget and figure out how you can make your money go even further next year.

Since you'll soon be digging into your financial records in order to file your taxes, why not take a little extra time to set a budget and identify some areas where you and your family can save a few dollars? Here are four simple ways to get more for less this year:

* Take an inventory of monthly expenses. It's always a good idea to take a look at your regular expenses at least once a year to see if there's somewhere you could be saving. Maybe you are no longer bound by a cell phone contract and could get a better deal elsewhere. Or perhaps it's time to reevaluate insurance options. It could also be something as simple as evaluating how often you dine out or stop for a gourmet coffee and changing your habits to save a few dollars by cutting back.

* Let the coupons do the work. While clipping coupons might seem like a thing of the past, it's easier than ever to save using coupons. Coupons can be found in traditional places like the newspaper, as well as online, often from the manufacturer's website. Another place to look is right on the packaging of your favorite products. For instance, where available in certain retail store locations, Procter & Gamble is currently offering coupons for other P&G brands within specially marked products from Crest, Pampers, Olay and Charmin, among others - with coupon values up to $80 in savings when they are all used.

* Save by using the Internet. By signing up for e-mail newsletters from manufacturers and local businesses you can access special offers that you might not be able to find elsewhere. For example, you can sign up for regular notification of promotions for products you use every day at Following businesses on Facebook and Twitter can also help alert you to special offers.

* Develop a grocery shopping routine. Plan weekly meals and shop accordingly. If possible, find out what items are on sale each week at your grocer before making the list, so you can take full advantage of the sales. Stock up on nonperishable items when they are on sale.

With a few changes to your shopping and spending habits, you may find yourself with a healthy chunk of extra cash next year that you can either stick into savings or spend on something special as a reward to your family.

Tips to save money online

Everyone is looking for ways to save money these days, and there are hundreds of tips for cutting costs online. But make sure you are prepared to do some research and make comparisons between companies and products, otherwise you may end up spending more money than you save.

Here are some tips for saving online:

* Eliminate stamps, envelopes and checks from your life. Take advantage of the many online banking and bill-paying programs available. Keeping digital records can also help you better organize and monitor your finances, which can help you better control your spending habits.

* Comparison shop online. For example, if you're looking for a baby car seat, type in "baby car seat" into a search engine and start looking for the best prices with the best products. Make sure you check out consumer reviews, safety articles and even blogs for information. Get your calculator out, because sometimes the special deals promoted on product sites end up costing you the same -- or more -- than a regularly priced item.

* Look for coupons and coupon codes. This is an invaluable tip, because there are thousands of codes available for your use when shopping online. Go to and search for discounts, free shipping offers and buy-one-get-one-free offers by product, store, category or the item you're interested in.

Shopaneer has more than 10,000 special deals submitted by users, stores and companies. Any expired coupons are immediately removed from the site and there is a report button if you find a coupon that doesn't work. If you are a frequent user, you can take advantage of the new coupons tab, so you don't miss out on any of the fabulous deals.

* Bargain for swaps or special prices. This is where the junk lying around your house can become someone else's treasure, and vice versa. Posting your unwanted items on auction or swapping Web sites can bring in extra cash, and bidding on an item can help you get a lower price than buying it at a store. Either way, you're saving money.

* Use the Internet for any of those minor costs that can add up over time. For example, calling directory assistance for a phone number can cost as much as $1 per use. But with a quick search on the Internet, you can find the phone number and address without any extra charges. Or if you need to buy gas, it's cheaper to search the gas price postings online before you head out the door so you're not overpaying or wasting gasoline trying to find the best price.

Courtesy of ARAcontent

Home | Privacy Policy | Contact Us © 2006-2014 JPC Books & More and

PRIVACY POLICY: Your privacy is important to us, and we take it seriously. We will never sell, rent, or misuse your e-mail address, nor will we disclose personal information about you to third parties without your written consent. We will only contact those who sign up for our free e-mail alerts, and we will promptly remove anyone who wishes to no longer receive e-mails from us. We have an affiliate relationship with advertisers who showcase their business products and/or services on, and we receive compensation from them.