7 Tips On Saving Money

Here are seven simple tips to save money. Whether it's for retirement, college or to pay off your bills and be debt free, it all has to start somewhere.

1. The Latte Principle: Do you buy your coffee from Starbucks every day on the way to work? Thats great! Because that is a fast and easy way to save $5 (or more) a day. Get yourself some good quality coffee beans and a grinder and make your coffee at home. Your coffee will taste better and youll savor the money youre saving.
2. Brown Bag It: Make your lunch and bring it to work. You can save about $5 to $10 or more a day, depending on where you have been eating lunch. And as an added bonus, youll be controlling your diet, so you can eat healthier.
3. Your Vehicle: Check your tire pressure to ensure your tires are properly inflated so that you get better gas mileage. Change your oil and air filter at the recommended times. Take care of your car as soon as problems arise to avoid costlier repairs.
4. Pay Attention: Read your bills and statements when they come in. Keep a budget to see where your money is going. This will help you find out where you need to make some changes. Find one thing to change at a time (like shopping at a less expensive store) and start today.
5. Make a List: When shopping, make a list and stick to it. Stores count on you buying impulsively, usually on emotional purchases. If you stick to a shopping list, youll end up with just what you need. It will also take less time to shop, saving you time as well.
6. Heating and Cooling: Lower your thermostat 2 degrees in the winter and raise it 2 degrees in the summer. This will save about 6% on your heating and cooling bills. Every degree equals about 3% of your bill. This can really add up over a year and the small change in temperature is not enough to cause discomfort.

7. Stay In: Watch a movie at home instead of at the theater. Cook dinner at home instead of going out to eat. Have friends come over instead of going to a bar. This can save a lot of money for some people and can lead to quality time with friends and family.

You might think that these seven tips wouldnt save that much money, so why bother. But just with the Latte Principle, here is an example: Your $5 cappuccino sacrifice will save you $25 in one work week, which equals $100 in a month and a whopping $1200 a year! Make a commitment to yourself today to make your coffee at home.

How about the brown bag example. Lets say you spend $8 a day on average for lunch. Thats $40 for the work week, which is $160 a month, which will save you $1920 a year. Now combine that with your coffee savings and you are looking at $260 a month, or $3120 a year in savings.

Youre now on the road to saving money. In the beginning, take the money youre saving and put it in a clear jar so that you can actually see it piling up. Youll be amazed at how fast it grows, and youll be so proud of yourself for making simple, smart decisions and changes to get you where you want to be.

Neece, like everyone else, enjoys the finer things in life. She researches and discovers the best things available so you can find the luxuries you deserve as well as gifts for those you love all in one convenient place. http://www.authenticindulgences.com/

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