Saving Money - 35 Pieces of Advice to Save

There are only 2 ways to grow your wealth - Increase your income (by earning more and saving more) or decrease your costs.

Here are a few money saving ideas that everyone can put in place:

  • Don't use your credit cards if at all possible. Pay cash and use credit cards only for convenience or emergencies.
  • Don't have more than $25 in your wallet at any time so you are not tempted to buy on impulse. If you have to think about going a long way to find an ATM machine you will probably lose the desire to buy.
  • Take your lunch to work rather than going to caf?s or food halls.
  • If you are going to the supermarket make sure you have a list and try and stick to it.
  • If you can pay your mortgage every fortnight rather than every month then you can save yourself a lot.
  • If your child is one and growing quickly don't buy expensive clothes. They will outgrow the clothes quickly and you would have purchased them at a high price.
  • If you smoke, give up. The damage to your health is reason enough but also the damage to your wallet.
  • Don't buy at the end of the year, wait for the new years sales.
  • Don't always buy brand items. Sometimes cheaper brands are just as good and much cheaper.
  • Save money on your heating and cooling costs by keeping doors and windows closed. Turn your thermostat down.
  • If you are a person that is good at planning, buy some of your Christmas presents at sale time and keep them until next season.
  • Don't forget to use coupons.
  • When you are flying watch out for specials that come through the airlines and then buy these seats before the seats go.
  • Watch out for electricity usage. Often all the lights in the house when that is not necessary. Switch off.
  • Watch your car repairs. It is better to get someone skilled and honest to look after your repairs who will not overcharge.
  • Watch your bank fees. Bank fees can grow considerably over the years so be aware of how much you are charged for certain transactions and then make appropriate arrangements.
  • Don't allow your credit cards to get too high. Make sure that you clear your credit cards each month of you can.
  • When you take out a car loan, make sure you take one out that doesn't have a penalty if you repay it early.
  • Refinance your mortgage if the rates are more beneficial. Sometime look at consolidation of your debts into one and then stick to a plan of paying them off.
  • If you are moving into a new area it is best to rent first before you buy. This will give you time to familiarize yourself with the area and decide on where you want to live and the prices of the properties etc. It is often a trap to buy too quickly.
  • When you buy a home, the greater amount of your savings and the greater growth of your value will come in the price that you pay. This is especially so in areas where the property values don't grow very much. Your biggest saving will be if you are able to negotiate a good price early.
  • Don't let the family finances cause you problems. Give the children a certain amount per week in an allowance and don't change it from that.
  • Don't look on your shopping as a chance for you to spend and spend. Have a plan.
  • Remember advertised items are not necessarily the cheapest. Watch for unadvertised specials. Remember to ask for a rain check if an item is totally sold out.
  • Try not to shop on paydays.
  • Just because an item is on sale, doesn't mean it is a good buy.
  • Buy only what you and your family need rather than what is on special.
  • If you can afford it, stock up when prices are low.
  • Don't forget to try alternative places to shop. Try thrift stores, consignment shops, warehouse sales, garage sales, markets.
  • Shop alone. Other people will only help fill your shopping cart (especially your partner).
  • Know your prices. Keep a price book if you have to.
  • Watch out for fancy packaging. You don't pay money for it ?you pay money for what is inside.
  • Remember the rule of three. If an item has three different ways that it can be used then you are generally not wasting your money.
  • Always watch when the sales person rings your purchases. Always check the receipt to make sure the calculation is correct.
  • When going shopping, leave the credit cards and checks at home if you can. Take out some cash to use and once you reach your limit - that's it.

  • Copyright 2005 StartRunGrow
    http://www.startrungrow.com

    StartRunGrow (http://www.startrungrow.com) is a global online information organization that specializes in creating, developing and marketing business help information specifically with the aim of "making business easier" for entrepreneurs around the world. The StartRunGrow objective is to become a dominant player in the business help arena providing end to end solutions for the millions of small and medium businesses worldwide who continue to struggle daily with the difficulties of starting, running and growing a successful business.

    tidy up service Northbrook ..
    In The News:

    Mac malware campaign uses fake AI chat results to deliver AMOS through terminal commands, security researchers report. Attackers exploit trust in AI-generated cleanup guides.
    States require AI disclosure in healthcare as California, Colorado and Utah implement laws mandating transparency when artificial intelligence influences patient care decisions.
    ETA sharing on Apple Maps and Google Maps keeps contacts updated automatically while you drive safely. Learn step-by-step instructions for iPhone and Android.
    Data removal from brokers protects against AI-powered scams and deepfake threats in 2026. Learn how data brokers sell your personal information to scammers.
    Learn how to act against cybercriminals in 2026 with essential security steps like two-factor authentication, software updates and credit freezing.
    Choose between OpenAI releasing Sora text-to-video model, the AI race heating up, or Waymo driverless cars launching in cities across the country
    Learn how to set up Google Maps and Apple Maps on your phone to automatically remember where you parked. Step-by-step instructions for enabling location services and parking detection.
    Phishing scammers use rnicrosoft.com domain to impersonate Microsoft by replacing "m" with "rn" in typosquatting attacks that steal login credentials.
    OpenAI announces new teen safety rules for ChatGPT users under 18, blocking romantic roleplay and requiring extra caution on body image topics.
    A 2025 data breach at fintech company 700Credit exposes personal information of more than 5.8 million people through compromised third-party integration partner.
    Retailers lose $76.5 billion annually to return fraud as nearly 10% of U.S. retail returns involve fraudulent activity, with $850 billion in returns expected in 2025.
    ShinyHunters claims responsibility for stealing 94GB of Pornhub user data affecting over 200 million records and demands Bitcoin ransom.
    ChatGPT 2025 now connects to Apple Music, Canva, Expedia, TripAdvisor and OpenTable through built-in apps that help users create playlists, design graphics and more.
    Apple releases emergency patches for two zero-day vulnerabilities actively exploited in attacks. iPhone and iPad users urged to update immediately.
    DoorDash launches Zesty, an AI-powered social app that recommends restaurants through conversational search, now testing in San Francisco and New York.
    Cybersecurity firm Infoblox reveals that over 90 percent of parked domains now redirect visitors to scams and malware, making simple typos extremely dangerous.
    The Fox News AI Newsletter covers the latest artificial intelligence technology advancements, including the challenges and opportunities AI presents now and for the future.
    GPT-5.2 is now live for all ChatGPT users with improved coding, writing and image interpretation, with Kurt Knutsson offering his review.
    New iPhone replacement scam uses pressure tactics and fake carrier calls to steal devices from buyers. Criminals claim shipping errors and demand urgent returns.
    Amazon Ring's new facial recognition feature sparks privacy controversy as Electronic Frontier Foundation critics argue the AI upgrade expands surveillance risks.
    New Android banking trojan Sturnus steals credentials, reads encrypted messages and controls devices.
    Denmark's 3D-printed student village proves automation builds 36 apartments faster than traditional methods. Skovsporet project shows housing future.
    Discover Android's new Sound Notifications feature that alerts you to smoke alarms, doorbells, and baby cries even when wearing headphones.
    New SantaStealer malware reportedly threatens holiday shoppers with password theft. This Christmas-themed info-stealer targets browsers and crypto wallets.
    The Christmas season brings a surge in Netflix phishing scams targeting shoppers with fake emails. Stacey P received convincing scam but verified account first.

    Money Myths Of The Poor

    From tender age, we were exposed to myths about money... Read More

    Creating Money, Prosperity, and Abundance Now (Part 1)

    I have given many prosperity lectures over the years and,... Read More

    Anthony Robbins 12 Reasons Why People Dont Get Wealthy

    According to Wallace Wattles, in his popular wealth treatise called... Read More

    Is Your Money Keeping Up With Inflation?

    In today's unpredictable global economy, you obviously never know what... Read More

    The 9 Critical Steps To Success In Demolishing Your Money Worries For Good!

    Articles on 'How to make money' come a dime-a-dozen. How... Read More

    Residual Income - The Myth

    "Join our program and retire in 3 months..." yeah, right.We... Read More

    Wealth Secrets: Saving Your Way to a Fortune

    SCENE 1: Pharaoh has just woken up from a very... 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

    Simple Tips on Saving

    Simple tips on saving can very often make quite a... Read More

    Turn Your Job Loss Into the Opportunity of a Lifetime

    There are few things in life that are more stressful... Read More

    How To Grow Your Mental Power and Let Your Brain Make You Rich

    No one has complete control over their thoughts. But with... Read More

    Why Get Rich When You Can Be Wealthy?

    "Any fool can rich, the wise get wealthy." Chris WidenerGetting... Read More

    You Deserve To Retire Early

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

    Investment Techniques For Creating Passive Income

    There are many wealth creation strategies and investment techniques available... Read More

    The Old Monied Dupont Nemours and Roosevelt Families Buy a Tax Haven

    This 4,000 acre sale (now a marina and resort town... Read More

    You?re Eating Your Retirement Money

    Ever think about how eating all those fast food meals... Read More

    The Hawk and the Mouse - Saving for Retirement

    There once was a hawk, ferocious and swift. He was... Read More

    Wealth - 10 Basic Steps to Achieving It

    Everyone wants to be wealthy. Only a few actually achieve... Read More

    My Ambitious Niche - A Completely NEW Way To Find Ambitious Wealth

    Turn to the year 1999, a couple of friends sitting... Read More

    Is Accumulating a $1,000,000 Net Worth Easy? Yes and NO

    Is accumulating wealth as easy as following a 3-step plan?... Read More

    The PDQ? Factor

    It's the beginning of a brand new year: a time... Read More

    Use Feng Shui Coins To Increase Your Income

    Feng shui coins can allow you, among other things, to... Read More

    The Predicament of the Newly Rich

    They are the object of thinly disguised envy. They are... Read More

    Why You Need To Buy and Sell Gold Coins (Part 4)

    Top Investment PerformanceThroughout history, many coin collections have produced substantial... Read More

    The 11 Best Money Saving Ideas of All Time - Part 2

    At any time in history, no matter what the current... Read More

    reliable home cleaners Buffalo Grove ..