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Ideas to Keep More Money in Your Pocket

Sep 15, 2008
It's tough to have a good time if you constantly end up finding yourself playing financial catch-up.
But there are ways you can easily improve your money affairs and still have a great time. Along with the bonus of lowering those stress levels that can affect the quality of your sleep and overall health .
With just a little discipline and ingenuity, within a short period of time, you will be able shave thousands of dollars off of your everyday expenses.

Here are just a few ideas for you to consider:

Transportation

Don't buy a car less than two years old. Most new cars depreciate very quickly.
Pay off one car loan before you decide to finance a second vehicle.

Do not buy on impulse. Shop around, read reports and choose a reliable vehicle with a good resale value.
Only get a vehicle you really need. Do you really need that $40,000 truck for just a few trips to the hardware store when you can often rent a truck for $20 per hour.

Figure out all of your expenses before purchasing a vehicle. Down payment, monthly payments, insurance, gas, oil, tune ups,and the necessary garage visits to keep up the manufacturers warranty.
Rather than take your aging car on a long road trip, consider renting one. It will save ware and tear on your day-to-day vehicle and if trouble should happen, you'll have a backup car available from the rental company.

Shop around for the best Insurance rates.
Consider increasing your deductible - you will have a smaller monthly payment.
Do you really need full coverage for that older vehicle?
Ask if your insurance company offers lower rates if you pay in advance.

Shop around for fuel prices.
Use public transportation when possible.
Combine your trips. Make a list and complete everything possible in one outing. Save money and time with multiple errand runs by not scheduling them during high traffic times.

Walk, or bike to whenever possible.
Ride share with other workers and your friends.
Keep your car tuned.

Eating Out

Limit how often you go out to expensive restaurants.
Use coupons. Eat out earlier in the day instead of the higher priced dinner hours.

Find a locally owned restaurant with specials.
Split a meal.
Order only what you want and are willing to eat on the spot
Don't go out to eat when you are really hungry. You'll usually end up spending more money.

Home Savings

Winterize / summerize your home to help prevent heat loss/gain.
Keep your thermostat no higher than 65F in the winter and no lower than 75F in the summer.
Take shorter showers.
Use cold water when washing your clothes whenever possible.

Close doors to rooms not being used, and close the heating/ air conditioner vents in those rooms.
Use your grill in the summer and oven in the winter.
Install water saving devices.
Design a yard, with native plants that require less work and less water.
Get some exercise and sweep out your walks and driveway instead of using the water hose or an electric blower.

Entertainment

Do you really need all those cable television programs? You will end up paying for channels you'll never watch. Try out Net Flicks and rent movies instead of rushing out to see the newest release.
Go to the movies during the low priced matinee hours
Go for a walk, hike or a picnic. Learn to enjoy life's simple pleasures.
Instead of subscribing to a magazine, read it at your local library or on the internet.

Buy used books.
Go to the movies during the low priced matinee hours.
Rent certain items instead of buying. Recreational gear for instance can be rented for much less than it would cost to buy them and you do not have to worry about storage.

Clothes

Don't spend extravagant amounts on a trendy items that will rapidly go out of style.
Wait for items to go on sale.
Shop for quality. It is better to have fewer clothes that you really like and look good in, than a wardrobe full of stuff you'll lose interest in.

Buy in quantity, the basics if you find a good deal, such as on socks.
You can pick up great bargains at the end of the season specials.
Buy clothing that is easy to care for, check the labels.
Don't shop on impulse or emotional reasons.

Shopping is not an entertainment.
Bargain shop, compare prices, check out consignment stores, thrift stores, garage sales and online sales.

These few money saving ideas will not cramp your style too much, but they are just little things you can easily do that will add up to significant savings throughout the year.
About the Author
Before you apply for a quick payday advance be sure to read our free reports by Stephanie Moore on the ins and outs of getting , a payday advance
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