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Tips For Saving Money

Jul 5, 2008
Everyone makes bad financial decisions from time to time, and a little help with saving money is always of good use. For example, a visit to the mall to buy one inexpensive item might turn into an unscheduled shopping spree. A plan to buy some small gadget can become a home technology makeover. Applying some frugal spending tips will help curb such money wasting impulses and help form new money saving habits.

Dont shop on payday. A freshly cashed check can start burning holes in pockets before money for the monthly bills and savings has been safely put away. Just because payday produces a large amount of cash, that doesnt mean that it should be spent in just any way. An uncontrolled day of shopping on payday may result in unpaid bills at the end of the month.

Dont shop for groceries when youre hungry. Buying food on an empty stomach is guaranteed to produce unnecessary spending; its an undeniable fact. Despite a well organized budget and a shopping list, hunger can take over and make you buy things you never normally would. Purchasing fast food on the way home from the store to squelch your hunger is another money trap.

Visit thrift stores and consignment shops. Many such stores are filled with great, quality clothing at awesomely discounted prices. Baby and toddler clothes are easy to find. Thrift store finds can replace hand-me-downs for children as well. With a small investment of time and effort, expensive brand name clothes can often be found at a much lower price than normal.

Buy in bulk only if it is something that you need. Buying everything in bulk is not necessary. Some bulk prices have a higher unit price than buying a couple of boxes of cereal or baby formula. Carrying a calculator to the store with you can aid in figuring up which is the best buy. Join a shopping warehouse if you frequently buy bulk items.

Ask for a rain check. Rain checks can aid your efforts to save money when stores run out of sale items. Even though some stores do not issue rain checks for all products on sale, dont let that deter you from asking for one. Dont buy something at full price without at least inquiring about a rain check first. Most sale prices have a limit, so buy as much as possible to save the most money.

Bargain shop when looking for services. Call around to several local companies and get estimates before making a decision about which to go with. Remember that businesses have different policies and they dont always charge the same price for their services. Finding out how much each company charges will help you to get the best price.

Purchase gifts throughout the year. Don't wait until right before the holidays or someone's birthday. Finding gifts throughout the year saves money. Sales after Christmas are the perfect time to find all sorts of merchandise that would make good gifts for the following Christmas. Store your gifts in a cabinet for that purpose so that you are never without something to choose from for gift giving.

A little bit of planning and effort can turn into big savings if you put these frugal spending tips into practice and make them regular spending habits.
About the Author
Is bankruptcy looking like your only option? You should consider negotiating credit card debt yourself. You might get a lower interest rate, lower payments or both. Get more information on the Debtopedia website at www.Debtopedia.com
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