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Way to Save #21: Home Workouts
Buy inexpensive workout and aerobic videotapes and use them at home with your TV. You could easily get a better workout than you’d get at a health club, and you can own the tapes for $5 to $10 each. Rent them first until you know you like them.
Way to Save #20: Skip The Gym
Walking or jogging in your neighborhood is free and fresh air is better than the air in a health club.
Way to Save #19: Shop At Home
When clothes shopping, start at home. Many of us go to the store and buy clothes when we already have similar items at home that we’ve forgotten. Do a careful inventory of your clothes before you buy anything, including the ones you have tucked away in the back of your closet or attic. Added bonus: … Continued
Way to Save #18: Share The Cost
Share the cost. If you’re going to buy something that is useful to your neighbors and only needed occasionally, start your own “co-op.” Splitting the cost of a ladder, lawn mower, gardening equipment, tools, and many other expensive items will reduce their cost by at least half (depending on how many people are in your … Continued
Way to Save #17: Buy At Yard Sales
Buy at yard and garage sales. This is the smartest shopping you can do, providing you confine your purchases to only what you actually need.
Way to Save #16: Throw A Yard Sale
Open your own temporary store by having a garage/yard sale. You probably have lots of stuff that you don’t want or need, and that’s just money that’s lying around your house. Spend a day going around your home and identifying everything that you haven’t touched in a year. That’s stuff you should probably either sell … Continued
Dealing With Debt: Debt Settlement
Maybe you’ve seen the ads: go to a debt settlement company, cut your debts in half. Is it for real?
Way to Save #15: Buy Pre-Scratched
Buy your furniture and appliances pre-scratched. Scratch-and-dent can save you plenty, especially when you bargain down the price even more.
Way to Save #14: Don't Get Features You Don't Need
Don’t pay for extra features that you don’t need. Fancy extras on everything from cars to VCRs are often high-profit-margin items for manufacturers and dealers. Even if it only costs “a little more” why buy things you’ll never use? Fewer gadgets can also mean longer product life with less in repair bills.
Way to Save #13: Department Store Credit Cards
Get 10% to 15% off by opening a department store credit account. Stores often offer you substantial discounts to induce you to sign up for (and get hooked on) their high-interest credit cards. Fine. Take them up on their offer and get your discount. But when the statement comes in, pay the bill in full … Continued
Way to Save #12: Keep Receipts & Mail Rebates
Keep receipts and send in rebate slips. Very few consumers actually return rebate coupons. Which is, of course, exactly what the manufacturers are hoping for. Don’t be a sap… get what you’ve got coming. Keep your receipts and don’t hesitate to return anything that disappoints you in even the slightest way. Keep in mind that … Continued
Way to Save #11: Don't Shop Alone
Shop alone. Kids and spouses that act like kids will often whine, cajole or otherwise try to influence you into impulse buys. Leave ‘em at home.
Way to Save #10: Don't Shop Hungry
Don’t shop hungry. If you’re shopping for food, it’ll make you buy more. If you’re shopping for anything else, it’ll make you hurry. Also avoid shopping depressed. Buying stuff you don’t need won’t make you feel better, but if you’re not careful you’ll do it anyway.
Dealing With Debt: Bankruptcy
This year, estimates are that nearly 500,000 Americans will file for bankruptcy. It’s one way to deal with debt, but who should file and how does it work?
Dealing With Debt: Credit Counseling
You see it advertised: cut your interest rates in half, get help paying off your debts. Can credit counseling help you deal with debt?
Way to Save #9: Always Use A List
Always use a list. And don’t buy anything that isn’t on it. Depending on what you’re shopping for, you can easily save 10% to 15% with this tip alone.
Manage Your 401(K) in 1 Minute
Millions of Americans are upside down in their 401(k) or other retirement plan. Are you ready for a one-minute lesson that’s going to make you a better investor?
Way to Save #8: Holiday Sales
The calendar is your friend. Consider the times of the year that retailers love most: holidays! Halloween, Valentines Day, Christmas and Thanksgiving are all great times to save money… if you’re willing to wait a bit. You’ll often see big pre-holiday sales that happen prior to these holiday times, but those savings pale compared to … Continued
Way to Save #7: Shop Early
Don’t wait till the last minute to shop. Obviously, less time gives you less flexibility. The seasons, the start of school, birthdays, Christmas: nearly everything we shop for is pretty darn predictable, so buy things “out of season” when they’re on sale.
Way to Save #6: Stop Buying Extended Warranties
Don’t buy extended warrantees. Eighty percent are never used, and they’re a major profit item for the vendor. That’s why they push you so hard to buy them!
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