Do You Need to Save Money? Here Are Some Powerful Ideas that Actually Work
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Even if you are able to save $10 a week, it is still a good start. In a year you'll have over $500, and you'll be proud of it. In reality, this is just the cash you are not spending. Saving a little bit here and there adds up over time, which can build up to a sizable fortune in no time at all. It does take time if you're really strapped for cash and thing are looking a little bleak. You will be able to save money, but you need a plan of action and you need to stay positive.
You most likely know that there is a difference between brand name products and those that have generic names. In most cases, the product with the brand name will cost more than a similar product with a no-name label. The places this practice is most evident is at the supermarkets, or grocery stores. In the US, for instance, name brands that are very old and established cost much more than the rest. What I've discovered happens is you end up paying more for the brand name product even though I've not been able to find any difference when comparing two similar products. It's no secret how "brainwashed" we can become by advertising and usually just reach for the brand-name out of habit. You need to take the time and compare the house - or generic - brand product with the same product that carries a brand name so you can judge for yourself if there is truly any difference. By doing this, you can save a lot of money on your everyday grocery shopping. Coupons have become an easy way to save money again as the economy worsens, especially when you are shopping for groceries and household consumables. You can easily find new coupons, and store specials, advertised each week. If you habitually "shop the specials" and use the coupons, you can save money every week. Coupons are easy to find in other printed material also. You can easily find them by leafing through your local newspaper, for instance, in addition to the store advertisements. Here in my area there's an entire publication dedicated to coupons for all kinds of things. A lot of these booklets include non-food items, as well as grocery store products. You may be surprised at what you can find discounted. Your first instinct might be to toss these coupon booklets in the trash, but they aren't junk mail. Look through them carefully. These booklets can save you money for months as they don't usually expire quickly so, even if they look like junk mail, they are a serious way to save some bucks.
If you have an ATM card, try not to use the ATM machine if at all possible. You know they charge a small fee, and then your card or bank will charge their little fee. This can add up very quickly over the course of a month. Anyone that uses an ATM on a regular basis may see that as much as $40 will be removed from their account for transaction fees. You may have to adjust the amount until you get it right. If you can limit your ATM use to a few times a month, or not use it at all, you'll be better off. Since this is costing you a round $40 a month, you are saving yourself $500 in expenses annually.
Avoid keeping the money you save in your regular checking account because it's vulnerable. Open a dedicated savings account and do not link it to an ATM card. There will be temptations to try to use this money, all of which you need to ignore.
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