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What are some good ways to save money when you are spending so much?

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What are some good ways to save money when you are spending so much?


i know, young and dumb, spend too much on things i don't need, blah blah blah.. but i recently just moved out into a home with my boyfriend and our roomate. the roomate makes substantially less than us, yet he is buying a new car, taking his girl out on dates, while the two of us struggle to put food on the table and have all the bills paid. where are some areas we can cut the fat at?
we buy all the groceries at our home, and pay 2/3rds of the bills (obviously). we don't really go out and party as lot, and i've been curbing my extra spending (ie clothes, whatever) a lot lately.

get on a written budget, spend less, save more. the goal is to not have payments. with no payments saving becomes easier. pay off debt and you know what you have? more money

Have your paycheck direct deposited partly into your checking and have a set amount automatically go to your savings account. Consider this amount a bill that you owe to yourself. Eventually, you could put this money into an account (money market? invest?) that will grow further.

Well the first thing you can cut out is the room mate! THEY SUCK lol, obviously there are 3 of you living there so ALL the bills should be split 3 ways, if you and your bf are paying the hole bill thats not fare! you need to talk to this other person! also why is it that only you guys are buying food? tell the roomate you cant afford it and tell them to either give you money for the food that you are buyin or tell the roomate to stop eating your food!

What are some good ways to save money when you are spending so much?

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Paying with cash instead of credit card could save you money with your favorite retailers – Consumer Talk – Sun-Sentinel

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Paying with cash instead of credit card could save you money with your favorite retailers – Consumer Talk – Sun-Sentinel


Now that President Obama has signed into law the Dodd-Frank Wall Street Reform and Consumer Protection Act, consumers spending cash instead of credit may see discounts at their favorite retailers.

The new law allows retailers to offer special discounts for anyone using cash, check or debit card as opposed to the guy or gal next to you using a credit card for the same purchase. The notion here is that consumers spending cash will have less opportunity to rack up expensive credit bills, interest fees and late-payment fees.

My neighborhood gas station already cuts two or three cents off each gallon of gas I pay for in cash, so the movement is already afoot.

I consider it an old-school throwback to the days when my mom shopped solely with cash to buy our family’s food, clothes and other necessities. And she made sure to pay off any credit card balances she did post each month.

One more thing to keep in mind: The new federal law allows retailers to reject your credit card for purchases under $10.

What do you say? Let us know if your favorite retailer is offering discounts for cash vs. credit purchases.

Paying with cash instead of credit card could save you money with your favorite retailers – Consumer Talk – Sun-Sentinel

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How to save money in Asda?

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How to save money in Asda?


Hi,

I do a lot of shopping nearly everything in Asda. Anyone tells me how to save some money ? Except those discounted food, products etc. I know there is a Asda Credit card that can save petrol.

Is there any vouchers or club card that can use in Asda?

Thanks

buy clothes with big pockets and fill them with goods, then walk out! problem solved! lol

by the smart price asdas own stuff its cheaper and tastes nice!!!

dont take as much cash with you

run out without paying if you get caught claim political asylum

How to save money in Asda?

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Do you have any advice on saving money?

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Do you have any advice on saving money?


My hubby makes about four thousand dollars a month and gets paid every two weeks. Our bills are about 3500 a month and we have no credit cards just morgage car and so on. We live from payday to payday and we have to borrow money sometimes to go to the store for food. We have 3 kids also. I hate living this way so I need some advice on how to save money and not be tempted to use it when we think we need it.

Open up a separate free bank account like ING and direct deposit from your bank even $10 each payday. It adds up and you won't miss that small amount. And Leave it Alone for a year at least.

$4,000 a month in income and $3,500 a month in expenses is tight. You need to increase your income and/or decrease your expenses. Another part time job for your husband or a part time job for for you. No dining out, cut back on vacations, turn down the thermostat, clothes from the Salvation Army, only used cars, basic cable only, only one cell phone. Lots of ideas.

Write down on paper a budget, and each payperiod give each dollar a name so when you budget for food make absolutely sure that you are not over budgeting, this will take about 3 months to master. Then, each dollar that you can spare send it to payoff that car, that's what's messing you up, pay it off quickly and you will see how you can build up your savings. You can do this by: stop eating out, stop shopping for a while until you finish paying off the car. But you need to see on paper so you can see reality.

Try buying a state or government gaurenteed bond. It can also be automatically taken out of your hubbys pay every two weeks, then:

If you have no credit card debt I would see about a blend and extend on your mortgage to lower your mortgage payment. I would also see about trading in your car(s) for a cheaper monthly payment OR returning a leased car and buying a car out right to avoid a monthly payment. I would also shop around to see if you can get a better rate on insurance. Lower your montly bills one at a time and it may take some research, especially for things like insurance. See if you can cut back on your cable package, your internet, get your kids to wash the dishes in the sink instead of the dishwasher. hang your clothes on a clothes line.

Someone here on YA once suggested to treat savings as if it were another bill to pay. So try to save at least 10% of your paycheck:

Savings
Food
Rent/Mortgage
Utilities
etc..

Try to cut out luxuries for awhile: internet, cable, eating out, etc.

This is what I did to save for my emergency fund. I opened a savings account at a Credit Union different from the one where my checking account is. I have $25.00 from each paycheck directly deposited into the savings account(bi-weekly paychecks) and the remainder is deposited into my checking account at another institution.
For my savings account I ask NOT receive a debit or atm card. What that means is if I really want to get some money out of the account you have to physically go to that institution. If it is not so close to you, and if the hours of operation conflict with your work schedule, you will find it a chore to have to make that extra trip.
This is what I am doing now, and it works for me.

We make 6000 a month and our total bills including groceries added into the expenses are only 2800, and that is with having a credit card. I find it hard to believe that your bills alone have accumulated to that high of a number, especially without a credit card. You must be adding in your extra shopping, etc. If your bills alone are truly that high… I would suggest having a consultation with a financial adviser and taking it from there.

PLAY WORLD OF WARCRAFT!

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Easy ways for my family to save money?

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Easy ways for my family to save money?


hi, my family is in the process of buying a lot and building a new house. But since it will take a lot of money to do so what are some ways for this family of five to save some money?
we already cut no new clothes going out to eat etc…. thanks!

Easy ways for my family to save money?

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Saving money advice please?

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Saving money advice please?


i have a job and that job is at mcdonalds I MAKE 8 DOLLARS AN HOUR my average check is about $175 with taxes taken out.

i am saving up for a car but i keep finding thins to spend my money on.
what do i do?
do i quit my job
do i not buy used appliances
no more new clothes
keep all my money in a savings account and talk to no one

???

Try putting back either your change or $1 bills every night for 6 months
and not touching it until you have your car, no matter how bad you think you need it. Discipline yourself in that direction. You'll be surprised how much you save this way.

Get a new job working in McDs is as low as you can go http://answers.yahoo.com/question/index;…

1. Buy Wholesale
2. Buy Supermarket Brand Products
3. Clip Coupons
4. Schedule Your Shopping
5. Shop at Saver’s Stores
6. Don’t Buy on Impulse

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Going to be living alone in 2 years :) what are some ways to save money on these kinda things (details inside)?

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Going to be living alone in 2 years :) what are some ways to save money on these kinda things (details inside)?


Electric food and gas.

Here are a few idea's I had

Electric:

Turn things off standby
cook a large meal on a sunday and freeze 6 containers to last til the following saturday (saves cooker electric).
turn off all lights when not in use
Do only full loads of washing
hang clothes out in the summer, saves tumble dryer

Gas:

wear warmer clothes, saves central heating

food is the biggest thing im trying to cut on I worked out £100/month would manage me, but I wanna lower it to like £70.

Im 16 now btw jst planning early

Don't forget to budget in cash for misc. expenses- ya never know what could come up. Kudos for thinking early!

For Food, always buy store brand products or generic stuff. It's basically the same stuff!

If you'll be working near home invest in a bike, not a car. They are money pits! From insurance, to maintenance, to gas…YUCK! Try to find a job near where you live or off the tram!

Furnishings- try and see what your parents will give you, Find stuff at garage sales, rumage sales, church sales, etc. Never buy from the store!!!

Clothes- HANG them up after you wear them, that will allow you to wear them more than once!

Turn off everything every time you leave your place. While you are away at work or for extended periods of time put your thermostat at either 80 degrees in the summer and 60 degrees in the winter. Use coupons. Don't get into credit card debt. Turn off all your lights at night and look for little red lights or power lights, these items leach your electricity. Get a special plug that cuts off the power to these items when not in use. Replace your incandescent bulbs with halogen bulbs. All of these if followed will minimize your bills.

You are definitely on the right track, especially with cooking once a week.
When you cook or make a meal, think about what you want before you open the refrigerator and then get everything out at once, so you don't have to keep opening it and letting the cold air out.

For buying food, buying bulk is the best way to go, but make sure you don't get a lot of something that will spoil, because then you have wasted money and food. Try to find a friend in the same situation, and then split things like a head of lettuce, or milk, or whatever it is you want but can't use before it spoils. It is almost always cheaper to buy bulk, so splitting perishable items is a good way to save.

To stay warmer in the winter, wear a hat. That is where most of the body loses its heat, so a hat helps you stay warmer. Buy double-sided tape and clear plastic to cover the windows and keep drafts out. Get the little foam sheets that go under the socket and switch plates and keep those drafts out that way. Put a rolled towel at the base of the door.

Get automatic thermostats for the heat and turn down heat to 50 degrees Farenheit during the night or when you are away from home. Purchase extra blankets to keep warm in winter for your bed and for lounging and watching Tv. An electric blanket is very warm and you don't heat the entire room.
Turn off water when brushing teeth, Take short showers, no more than 10 minutes.
Purchase appliances that are rated 'energy efficient'.
Only purchase items when they are discounted. unless absolutely needed, such as items that you eat regularly, buy extra quantities when on sale.
When going out, plan your travels in the most efficient route to avoid extra trips.
Buy clothing from the 2nd-hand shops
Avoid wasting food. Do not buy junk food. Eat more vegetables, grains, eggs, fruits, and less meat which is more expensive. Make a list of items before going shopping.
Read books and magazines from the library, get films and music from the library or borrow from friends. Listen to radio instead of collecting disks.
Learn to fish and hunt, if you are inclined.
Establish a savings account, so you can pay cash, because purchasing on credit costs more.
Get the newspaper on days when it has coupons.
When planning entertainment, research if there is a lower price date or time, to avoid paying a premium for entertainment.
Purchase a window fans and ceiling fans to provide cooling in the summer, Open windows at night to provide cool air, close windows in morning.

The biggest savings on food come from doing more of the work yourself. Things like saving meat bones for broth, planting a garden, hunting, butchering small game yourself, eating more staple grains (rice and beans), and purchasing large amounts of food on sale or with coupons.

Going to be living alone in 2 years :) what are some ways to save money on these kinda things (details inside)?

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Effective Personal Finance – 5 Ways to Save You Money

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Effective Personal Finance – 5 Ways to Save You Money


Why save? In a world that is constantly in motion and where the term of life expectancy is growing longer, many people find it a waste of time, or simply don’t think about managing their personal finance.

Many find keeping money aside pointless choosing to live for the day. Saving, however, is very important if you wish to have an effective, and secure personal finance plan.

Some people think that saving money goes against the attitude of living for today, or living each day to the fullest. But if you give it more thought, it is better to live your entire life to the fullest than just a single day.

If you save, you will have the means to get what you truly want, or reach your personal finance goal, rather than what you just want now. Saving will also ensure that you will not have to scramble for credit when emergencies arise.

The difficulty, however, lies in implementing the principle of saving. Planning your personal finance can give you an idea of what expenses to do away with. Consider these following simple saving tips.

Having credit cards is a way for money to be spent quickly and sometimes needlessly, but if you must have one, make your payments on time. Again, do not spend more than what you are certain you can pay back.

Gas is another large expense for many, especially with the increasing price of oil, so if you do not want the inconvenience of public transport, make sure you keep your car engine tuned. It will save you more in gas consumption in the long run.

Regarding phone usage, try to remove the extra options in plans and packages if you will not use them anyway. However, if you are on the phone a lot, bundling will save you more money.

When buying food, shun the convenience stores in favor of the supermarkets and make sure you have a shopping list and that you stick to it.

When it comes to clothes, stock up on them when they are on sale, or buy a from the previous season for lower, better and more affordabale prices.

This entry was posted on Wednesday, July 21st, 2010 at 3:42 am and is filed under Uncategorized . You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.

Effective Personal Finance – 5 Ways to Save You Money

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What are some ways to save money on your GAS and POWER BILLS?

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What are some ways to save money on your GAS and POWER BILLS?


During the winter months, my power and gas go through the roof. Any Ideas?

Obviously, bundle up, don't use lights unless you need them…if you have a fire place, use it more than usual!

They say a one degree reduction on your thermostat should cut your fuel bill by 10%.
Make sure your heating is well maintained.
If you are not using it, switch it off.
Don't leave TV, video or dvd on standby – pull the cord out of the wall.
Use power-saving light bulbs – more expensive, but they last forever and use less power.
Visit friends and relatives often – use their heating – not yours.:-)
Wear warmer clothes indoors.

Weather stripping around your windows and doors. Putting up plastic window covering if you dont have storm windows. Caulking around window and door frames. Shut off registers to unused rooms. Turn back the thermostate to 68 degrees.

sounds like ur using the heater alot u might want to have it looked at or even upgraded

If you have an accessible attic space then you should add a second layer of insulation. I added a 12 inch layer of fiberglass bats, and it lowered my cieling temperature in the summer by 5 degrees. The reverse would be true for cold weather.

What are some ways to save money on your GAS and POWER BILLS?

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What are some practical ways to save money when times are so hard?

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What are some practical ways to save money when times are so hard?


I'm a mother of 3, I work full time. There's really no time for a second job, so I need some ideas on how to save money. Like groceries what are some legitimate websites with coupons? With electric what can I do to make a difference on my bill? I'm getting desperate… Please help…

ask your electric company if they have programs to help lower and stabilie your bill, shop at thrift stores for clothes, yard sales, and check out the bargain food stores.

i wrote a guide on this question lol

http://www.gomestic.com/Personal-Finance…

what you think of it?

Times are hard for everyone. Coupons and discounts will only get you so far. Start looking to cut corners on things like cell phone, cable, internet, generic groceries, etc…

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