RSSCutting Personal Expenses Really Adds Up
February 19th, 2009 by Adam | Filed under Credit Score, Credit Score Advice, Credit Score Tips, Personal Finance.|
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Do you think you might be laid off? Is your company cutting back on raises and benefits? Have you lost your job? These trying economic times may cause difficulties, but they also represent a tremendous opportunity for each of us to examine our role in the economy and to examine our personal consumption habits. If we all resolve to improve the quality of our spending, even though we may be limited in how much we spend, our world will come out of the current recession much healthier than it was before.
If money is tight, be especially thoughtful about how you spend it. Here are some no-brainer suggestions for ways to cut your expenses. You may think these things are too trivial to bother with, but over the course of a year or two, the savings will really add up:
- When you reach for the last book of checks in your drawer and see that “reorder now” sheet, instead of calling your bank, buy new checks online instead. You can save a bundle over the high markups your bank imposes.
- See if you can save money by cutting your newspaper subscription from seven days a week to only on Sunday. If it is cheaper to just get the Sunday paper, change your subscription. You can save a lot of time by reading the paper only one day per week. Look for the grocery ads in your Sunday paper and clip the money saving coupons. The savings will pay for the paper many times over and will significantly cut your food bill.
- Walk or ride your bicycle to run errands and do shopping close to home. Use high quality reusable tote bags so you can carry your stuff home. If you avoid driving just one mile per day, you will save anywhere from $25 to $75 per year on gasoline, depending on your car’s efficiency and the price of gasoline.
- Use your heating and air conditioning as little as possible. Look for easy ways to save energy around your house. Easy ways to save energy are by covering windows on cold nights and plugging leaks around windows and doors.
- Buy unprocessed foods and cook from scratch. Not eating out can save you a ton of money. But, don’t neglect to support your local eateries on special occasions like your significant other’s birthday!
- Need new clothes? Kids often outgrow clothing before it wears out, so check your local thrift store for great deals on almost new clothing. You can get great deals on high quality merchandise that is only slightly used.
These are just a few simple suggestions. Remember to have fun while you are saving money. Be creative when you buy checks. Don’t get the same boring design you have had forever. Get frog checks or something exciting like checks with wolves instead. Try new recipes and eat things you’ve never tried before (how about a juicy grilled bison burger?). Buy colorful, offbeat clothes at your local thrift store that you would never think of paying retail for. Life is short. Have fun!
Tags: bank checks, bank checks online, frog checks, online bank checks, order checks online, thrift store, wolf checks