Boles Chicago prom limo ... Chicago Drug testing

Simple Tips on Saving

Simple tips on saving can very often make quite a big difference to your finances. Saving means giving up something now, so you will have more in the future. A consistent, long-term saving program can help you achieve your goals. It also can help you build a financial safety net. Experts recommend that you save from three to six months worth of living expenses for emergencies.

Savings grow beyond what you contribute because of compound interest. Over time, the value of compound interest works to every saver's advantage. Keep in mind, however, that inflation reduces the return on your money.

It's not easy deferring or eliminating purchasing things you want today but like everything else in life, the more you do it the easier it becomes. Here are some useful saving tips to help you:

Take a portion of your wages from every paycheque before you pay any bills and use your company's payroll deduction plan, if available to arrange for a fixed amount to be taken out so that you never see it. What you don't see, you don't spend. Alternatively, you can make automatic current account withdrawals into a savings account.

When you get a raise, save all or most of it.

Pay off your credit card balances and save the money you're no longer spending on interest.

Move credit card balances to a card with a lower interest rate and use the savings to pay off the balance.

Keep your car a year or two longer. Save the money you would have spent on a new car.

Do your own car routine maintenance and make regular repairs.

Stop smoking. If you cannot stop, then at least cut down on the amount you smoke.

Take ?5 from your wallet everyday and put it in a safe place. That will add up to ?1,825 in a year.

Shop with a list and stick to it. No impulse buys.

Don't buy any new clothes until you've paid off your current wardrobe.

Eat more meals at home.

Look for inexpensive entertainment: zoos, museums, parks, walks, biking, library books, concerts, movies and picnics. Drop subscriptions to publications you don't read.

Shop for less expensive insurance.

Save any tax refund.

Postpone purchases or consider fewer features on the items you plan to purchase.

Experts recommend paying with cash whenever possible. This helps you spend less than you otherwise would have spent if you had charged the purchase. You'll also avoid credit card interest charges and check-cashing fees.

The less you spend, the more you can save. The longer you can consistently save, the faster your savings will grow.

You may freely reprint this article provided the author's biography remains intact:

John Mussi is the founder of Direct Online Loans who help UK homeowners find the best available loans via the http://www.directonlineloans.co.uk website.

In The News:

Scientists have discovered a stellar system where the formation of planets might take place in dust and gas rings within a “warped circumstellar disc around multiple stars.”
A Texas city released nightmarish video this week showing piles of ants floating in floodwaters caused by Tropical Storm Beta.
Damage to coastal areas in Alabama and along the Florida Panhandle has been revealed in new aerial imagery.
Photos of a baby gorilla and its mother have gone viral after the mother was spotted cuddling the miniature mammal.
When a shark attacked her husband during a snorkeling trip in the Florida Keys, his pregnant wife didn't think twice, jumping out of a boat to pull him to safety, a sheriff's deputy said.
In an Atlantic hurricane season that's broken records, a tropical system managed to come back to life a week after hitting Bermuda.
Enceladus, Saturn's mysterious moon that could support life, may be more geologically active than previously thought, according to a new study.
An asteroid will have an "extremely close encounter" with Earth on Thursday, when it flies by the planet at a distance of fewer than 20,000 miles, according to the Virtual Telescope Project.
An invasive bug is spreading in the Northeast and sparking serious problems for apple orchards, with some orchard owners saying they are dealing with thousands of spotted lanternflies a day.
The devastating storm surge from Hurricane Sally that swamped the Gulf Coast last week has left thousands of starfish washed up on one beach in Florida. 

You Deserve To Retire Early

The fact is that most people continue to work for... Read More

What Are Your Beliefs About Money and Wealth?

What is your attitude towards having wealth? Do you believe... Read More

Want Money? You Got It!

Six out of six people who were asked to list... Read More

Budget Tips

To budget, to have a budget and to be on... Read More

Cutting Costs Can Significantly Increase Your Income

As a work at home Mother, I know the value... Read More

Building Wealth: Its An Inside Job ? Part 1

Whenever we read about building wealth or even attend a... Read More

Lesson 1 - Why Arent You Wealthy?

We will start the Financial Fitness System with the assumption... Read More

The Parthenon Principle

Have you seen a picture of the Parthenon in Athens,... Read More

Financial Freedom, Is It Only A Dream or Just Steps Away?

Almost all of us go to work everyday and do... Read More

Five Straight Steps to Opening an Offshore Bank Account

Despite what you may have read or heard, anyone is... Read More

Stop Losing Thousands of Dollars Every Day: Six Tips For Creating Wealth

We all go to school for about twelve years, kindergarten... Read More

Real Estate Stories that Show You How!

Let's begin easing you out of the pits. I mean,... Read More

From Debt to Financial Freedom

The vast majority of working people are in debt. The... Read More

How Should I Create Passive Income?

If you're wondering where to create passive income, then you... Read More

8 Tips for Keeping More of Your Hard Earned Money

Masters degree not required...just a little common sense, a $5.00... Read More

Your Wealth Cycle Foundation

The four main steps in building a wealth cycle foundation... Read More

If You Know These 5 Wealth Secrets Then You Are Probably Already A Millionaire

Wealth Secret 1 - Decide Your Outcome Right Now.Unless you... Read More

Q and A: Financial Independence Tips For Women From Coni Cecil

As a woman Netpreneur, I sat down via e-mail with... Read More

The Difference Between Wants & Needs

So you want to become wealthy? While there is no... Read More

Russ Whitney - Building Wealth Through Real Estate

When Building Wealth by Russ Whitney was released a few... Read More

Start A Cashflow Club

The cashflow board games, Cashflow 101, Cashflow 202, and Cashflow... Read More

The Top 10 Steps to Becoming a Millionaire

There is perhaps no more important decision than to take... Read More

Pay Yourself First - If the Only Thing You Did Was This, Youd be Rich

Bottom line. No exaggeration. No hype. If you want to... Read More

What it Means to be Rich

Many people have a false understanding of what it actually... Read More

How to Grow Your Very Own Money Tree

Okay. So money doesn't really grow on trees. Unless you... Read More

mcmanus kitchen and bath adding a garage to an existing home wheaton ..