04-07-2012, 02:48 PM
404 Self Improvement Tips
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101 MONEY SAVING TIPS
People are always trying to save money, especially with today’s economy. No matter
what your reason for saving, through this e-book, you will discover ways never
considered.
The price of everything has gone up, requiring people to be more conscientious
about money. The problem is that by the time the mortgage, car, utilities, and credit
cards are paid, there is little money to put aside. Saving money is not that hard,
just a matter of learning all the different options and being creative.
In addition to the obvious of putting money into a retirement fund or savings
account, there are hundreds of ways to save money. Although some ways of saving
may not seem like much, once you add them up at the end of the year, you will see
how substantial the savings really are. Keep in mind that saving is more than a
single lump sum of money put aside. Saving is something found in your everyday
life by the way you live and the choices you make.
Rome was not built in a day and neither will your bank account be. Each penny
saved is one more penny than before. If you have the ability to save big, that is
great. However, most people are not in that position, which is why this e-book will
show you how little savings can add up quickly.
Be encouraged that it is never too late to start saving, regardless of your age. Set
your mind that now is the time to start building your future.
Clearance
Always head straight for the clearance rack where you can find amazing
bargains. Sometimes you may have to dig a little to find the right item but the
savings will be well-worth your time. Most clearance racks offer variety,
current trends, and great value. For example, Bed, Bath & Beyond has a
clearance section where you can find all kinds of wonderful household items for
a fraction of the original cost.
Thrift / Surplus Stores
Unfortunately, thrift and surplus stores have been given a bad rap. Many of
these stores are filled with hundreds of top quality items. Name brand
merchandise is easy to find but just like clearance racks, it takes some time to
find. Find a thrift or surplus store close to where you live and then plan
spending some time to find those outstanding bargains. One woman in Kansas
City, Missouri located such a store about 20 minutes from her home. After
shopping through every isle over the period of two hours, she walked out of the
store with eight huge garbage bags filled to the brim with designer clothes for
her and her children, many with the original tags still attached. She even found
a couple of Liz Claiborne suits for herself at $5.99 each and a Dooney & Burke
purse normally valued at $225 for $19.95. Her children had an entire season of
school clothes and best of all, she paid less than $200.
Reuse
When you shop, look for items that can be reused. Rechargeable batteries are
a perfect example. Even though the initial purchase may be more than nonrechargeable
batteries, there is a definite savings over a long period. Another
option would be to purchase a nice artificial Christmas tree. Many of the
current artificial trees look amazingly real and with the right lights and
ornaments, you can change the look from year to year.
Landscaping
If you are considering creating a nice flower garden area, shopping for plants
even on sale, can be expensive. Before you go out and start spending, look
around to see if you have other plants that can be split from your existing
flowers. Additionally, if you have a good relationship with any of your
neighbors, you might ask them if they have any plants you could use as a
starter. Another great idea is the next time you are in the market to buy a
lawnmower, purchase one that mulches leaves. This way, rather than buy
mulch for your flowerbeds every year, you can simply use the mulch you make.