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7 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.

Don't shop on payday. This is when you have the most money. You haven't paid the bills or put money away for savings. In error, we believe that we have more money at our discretion than we really have. At the end of the shopping trip, we are a few hundred dollars in the hole and a bill goes without being paid.

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. While buying in bulk can be one way to save money, it is not true in every situation. Simply bringing a calculator with you to the store to check unit prices will help you decide which bulk purchases are really going to save you money. Becoming a member at a shopping warehouse is a good idea if you buy in bulk on a regular basis.

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. Buying gifts year round instead of only at birthdays, holidays, and other special occasions will actually save you money. You can store such presents at home and always be ready when the time comes to give gifts. Great deals can be found by buying next years Christmas gifts when prices are super low during this years after Christmas sale.

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
If bankruptcy is looking like your only option, you should consider negotiating credit card debt yourself. You could get lower payments, a lower interest rate or both. Get more information on the Debtopedia website at http://www.debtopedia.com
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