28. Stop Running After Brands
Tonight there will be a little get together at your place. You want to use the best snacks in the party. Now, in the hurry of attaining the best do not go for costly brand names. It would be much reasonable and sensible, if you go for generic items. You can convert general green beans into something special, by adding a small quantity of butter, salt and pepper. No one can guess whether it is a generic item of low cost or label item of much higher cost. Try this at home and check out the huge difference between both prices.
Moreover, several brand companies are behind the manufacturing of generic brands. They only change the name of the generic brand that they are manufacturing. There are several companies doing the same thing. Thus, act sensibly and do not run after brand. Your this act show your intelligence and care for money.
29. Entertainment – Free of Cost
These days entertainment is really becoming costly, whether it is going for a movie or any amusement park. Thus, most of us prefer to be at home. Is there any other option that can convert our boredom to enjoyment, without being too costly? Yes, there are several options. This weekend, instead of watching television at home, go at your nearest police station for a “ride-a-long”, i.e. when the police officer respond to the real calls, accompany him. Attend free exercise classes, dancing and music classes, poetry readings in coffee shops offered by the community colleges. You can also attend concerts organized in certain areas that will cost nothing. To find out their venue and time, check out the newspaper and your college.
30. Old is Gold
Mostly, we throw away our old clothes or the replacement of old home appliances with new ones mean, throwing out the old ones. We treat old and worn out things of our home as garbage. If this so-called ‘garbage’ is sold on a consignment shop, you can get a good price for it. So, get up, collect all the old things lying at home, and earn money by selling them. It could be books, toys, movies and clothes. Moreover, there are many online consignment shops also available.
31. Best Out of Waste
There are several things in our house, which are not in use for a long time. They are like junk for us. It could be an old transistor, an old hat, makeup kit, sports kit, gardening tools or any clothes. Make a list of all these items and collect them. You can sell these items online. Just log on to any of the related websites. See the amount you have earned from the selling of junk. Do not waste this amount. Save it in your account and see the considerable growth in your savings. This is the finest example of ‘Best out of Waste’. So, do not waste your time and start collecting all the useless things in your house.
32. Friendly Cell Phones
Take care of your hard-earned money with an intelligent investment. Mobile phones are one of the greatest inventions of recent times. It encompasses some very interesting features, such as free long distance, call waiting, call forward, SMS, caller-ID, voicemail and many more. Thus, these are able to serve several purposes as compared to the ordinary phone. Moreover, they are reasonably priced. So, do not waste your hard-earned money on paying bills of two telephones, and act intelligently.
33. Know Your Rights
Most of the hospitals take to overcharging the patients. Costs of the medicines or other products are almost double, as compared to the normal rates. Always take care while purchasing medicines or going through the medical bills. Your alertness can save a lot of your hard-earned money. You can also take legal action against the hospital for overcharging.
Similarly, if a doctor is overcharging, you should stop him from this act. Often doctors add extra charges to the bills for the products, which they have already declared free of cost. Take additional care while going through the bills and save your money. There is one “Professional Courtesy”; many of us are unaware of this term. This is for those patients, who are facing financial troubles and are unable to pay the bill. They can ask doctor about it and he will provide them sufficient help.
34. Holiday Trips
Plan your visit within your budget. For more excitement, you may decide to visit a few countries, but that may be very expensive. Why not plan out, look around where you live and consider an exciting road trip that could be educating as well as cost effective.
Check out a list of annual maintenance your home demands on various heads. Such as air conditioner, heater, hot water heater, etc. Be patient and work on a level where you can save unnecessary expenses. Get your air conditioner tuned annually. If you do not, then you may face an air conditioner breakdown and consequent higher repair costs.
36. Repair than Replace
If you are planning to buy a new couch for your home, think again. A new couch can put a heavy dent on your bank balance. Repairing your old couch will do the trick and save you a handsome amount. Replacing the cushions and slip-cover will make your couch look as good as new at a considerably lower cost. Similarly, if you find any of the appliances not working to your satisfaction, curb the urge to replace it. Get a repair estimate. May be all your appliance needs is some service and cleaning, which will cost you only a fraction of what a new piece would cost.
37. Eating out
Dining out could be highly expensive. Stop the practice at length. Look back for options. If you go through the Sunday paper, you will find a lot of special bargains. You may consider about signing up as mystery shopper on the internet, and can avail of eating in a fine restaurant free just for writing a report on food, service and cleanliness.
38. Plan Your Menus
Planning out a week’s menu once saves you from a lot of botheration and saves money also. If you know exactly what to buy matching your menu, it would help you to buy food that can be used more than once.
39. Saving Money – A Joint Venture
If you are married, then see that you and your spouse are working at the same wavelength when it comes to saving money. Your effort at saving may be offset, if your spouse is a lavish spender. Saving to be effective in the family has to be a joint venture.
To keep a fine track of your debts and credits, you need to have effective and helping software, which would serve your purpose to look after you accounts. You may be able to find some free download version.
41. Enjoy life, Be Satisfied
It is basically for you to know that the reality of living life happily is in being with nature not in the company of possessions. Whenever you feel the urge to splurge, instead walk off to a nearby park and enjoy yourself in the lap of nature among trees.
42. Live in Tune With Your Means
Everyone desires to have everything in life. At times, this is not possible. May be the quickest way to have every thing beyond your means is to get into debt. But this is not the way to live life. Make sure of your financial position and enjoy life accordingly. The more you live life on debts, the more you stand to save less.
43. Save for Your Retirement
You may have to change your spending habits and be more prudent saving-wise. The more you restrict unnecessary spending, the more you will save for a retired life. Life expectancy is going up owing to medical inventions. So, you will need all the money to have a comfortable retired life.
44. Video and DVDs For the Family
Go for already viewed videos and DVDs at half price from major video chains. You may also try the other option of recording your own movies from the TV or from channels like HBO, Disney etc. You may create a theater type atmosphere at home, have your popcorn, manage a soda, spread a blanket and enjoy your home theater with your family.
45. Friends at Dinner
Whenever you have friends over dinner, have them share recipes. Let each family bring along some dish, and enjoy a great weekend sharing each other’s cooking. You can save a lot of money that way.
46. Friendly Exchanges on the Internet
Have more conversation time with the help of internet instant messaging system. You can also download a program to connect a micro phone and have voice conversation free. Your expenses remain normal as you pay for the price of internet.
47. Distance Calling
If you are planning out long distance calling, select the right carrier only. You may find a carrier for less money because of the competition. Check the plan and go for the right option. Be very sure about the coverage area offered, because it would be useless if you cannot send or receive messages.
48. Foods You can Freeze
Mostly people do not ever care to know that a number of items can be frozen. You can even freeze eggs. Set the eggs in room temperature when ready to use. When you find apples on sale, make apple pies and freeze them. Many other food items can be frozen easily. This way you can make good saving.
49. Discount Books
You may purchase a discount coupon book, which is nominally priced. Have a look at the options provided therein and exercise your choice accordingly. You can save hundreds of dollars following the discount coupon book.
50. Make Your Own Baby Food
You can make your own baby food. Visit the vegetable market and buy some fresh vegetables such as peas, corn, green beans and more. Have it run through the blender, and freeze it. When feed time approaches, treat your to wholesome and healthy food after defrosting the stored vegetable blend. You can save a lot of money, as over the counter baby food is expensive.
51. Carrying Own Food to Ball Games
If you are a keen ball games spectator, you will agree that edibles inside the stadium come at a price. Carrying food from home can cut down on your expenses considerably. However, make sure beforehand that the stadium authorities allow spectators to bring their own stuff.
52. Put a Stop to Smoking
Smoking is a habit that is the hardest to get rid of. You will do a great favor to your health and pocket, if you can manage to quit smoking. You are not only squandering away a good part of your money, but are also ensuring that you will spend a lot more on future medical expenses by promoting ill health.
53. Change that Adds Up
Keeping change in a piggy bank as a kid was meant to inculcate in you the habit of saving. You need a piggy bank today too. Drop all the change in it when you come home. This way you can do handsome saving very fast.
54. Move on to Online Freebies
Have a look at the freebie sites to find out sample items for cosmetics, books, clothing etc. These items mostly have no shipping charges. Shipping charges, if any, are minimal. Fill a form you and receive sample size soups lotions, shampoos and conditioners, etc, which are ideal for a traveler.