Wednesday, February 10, 2016

Survivng Tough Money Times

                                                 A survival guide for tough times
                                                               Ways to save.

1. Spend only on the needs, not wants. This is a hard thing for most but be realistic with your self you know what you really need from what you just want.
2. If you don’t already track your money. Twice a day take the time to write down how much you have spent that day and on what you brought. This is a good way to see if you are making unnecessary or wasteful purchases.
3. Take the time to read your bills, such as your cell phone bill, cable, and utility bills. This is another area to find savings. Cancel any cell phone services you don’t use or could get by without all together. Learn your utility bill so you will be able to notice any strange charges, same with the cable bill. Look for new promotions with your cable company or your cell phone provider.
4. Set up a budget. Once you have been tracking your money for a couple of weeks you will be able to set up a good budget. You will have a better understanding of what it is you spend. You will be able to make a budget you can stick to.
5. Stop paying for things you can do yourself. If you need some work done around the house or to the car make some time and do it yourself. The most expensive part of home and car repairs is the labor. It might take away from some of your relax time but it will be more money in your pocket.
6. Plan your errands. Try to do as much in one outing. The more you can do the more efficient it will be on gas and time.
7. Change your entertainment. If you normally go out, find tings to do inside. Rent movies instead of going. If you really like the movie experience go to a matinee. Find new bars or clubs that have no cover charge. Drink a few less beers. If you go out a few nights a week stay home one extra night. If you smoke think about quitting. Not only will it have a tremendous health benefit, but also it is a big saving if you’re a heavy smoker.
8. Clip coupons when going grocery shopping. This can be a big savings. When you don’t have a coupon consider buying the generic brand instead of the name brand. Try to load up on bargains especially if it is a non-perishable item. Buy in bulk when possible. Clipping coupons extends beyond groceries there are coupons for just about anything you need to buy. You just have to take some time to find them
9. Take your lunch to work a few times a week. Instead of wasting those leftovers bring them to work and save on buying lunch each day. Buy sodas and snacks from the grocery store and bring to work instead of buying them
10. Things will get better tough money times don't last forever. Think of this time that your going through a way fro you to get stronger and more creative with your money for when the good money times come back. Have a great Cheap Cheetah Day!

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