7 lazy ways to save money
Keeping a little more of what you earn doesn't have to be a chore. Here are a few simple, painless things you can do right now.
Order staple items online
Drop change into a jar
Earn more doing the same work
Automate your savings
Dry-clean your clothes at home
Find an easy side job
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I actually take the coin thing a step further - I place all my $1 bills in a shoebox every night. Every few months i'll count them out and bundle in $100 stacks and move to a safe. Then, after a while or when that rainy day comes, i'll use the cash. In the past, I've paid for an entire family vacation, bought a washing machine when ours died, and even paid for a home refinance (although they were very curious as to where the deposit came from...).
It's amazing how quickly you can save a couple thousand bucks without even knowing it, and you'll be amazed as to how little you'll miss the singles. I find myself not using singles to buy things - if i need something that's $2, and I have 3 singles and a $5 bill in my pocket, I'll probably use the $5. Sure, it sounds strange, but it's paid off for me!
it's also fun now and then to take the stacks of $1 bills to the bank, and to observe the stares and glances you get walking in with thousands of dollar bills rubber-banded together. Maybe they think i'm a stripper, who knows?
Also, if people strictly used cash for transactions, they'd probably be a lot more careful in their purchase decisions (ie: do I REALLY need this??). I can guarantee you that people find it harder to part with a $20 bill in their wallet than simply swiping a debit card.
Finally, asking for a raise in this economy and employer's market is asking for something that will not happen. When employers are already having to cut back on employee hours (hourly paid employees specifically) to offset the costs of Obamacare, if you think you are going to get a raise when 1000+ unemployed resume-sending people on the outside of the building want your job currently, then you are seriously delusional.
I keep a list in my storage room. Items such as toilet tissue,paper
towels aluminum foil, ect. Then I preview stores I shop to see if
items are going to be on sale. I check my coupons available and
restock when these items are on sale.Doing this saves me a
lot of money over a years time. I'm talking $200.00 or more in. I
just saved $27.00 this past week. This can be done with any
staples in can goods also. Most canned items have a couple
of years before expiring. Ordering online for staples I don't do
much of that since I can see or feel the product in a picture.
Have to disagree w/ 'Dry-cleaning your clothes at home'. I own a drycleaners and I can't tell you how many times people have brought their very expensive clothes in w/spots on them from the Dryel. That stuff does not clean your clothes, it is like putting your clothes in the dryer w/a fabric softener sheet. It does 're-fresh' them, in other words, they smell a little better, but it won't take the grime out of your clothes, the ring around the collar, etc.
We pay a company lots of money to haul away the sludge (dirt from your clothes) every year. That sludge is like tar & smells really bad, and it comes out of the clothes.
If you are going to spend a lot of money on your clothes, spend money taking care of them. They will last longer, look better, and you will be happier in the long run.
I paid off my mortgage (40K) in one year by saving. When I got my paycheck I only took out what I actually had to have like rent, cheap beans and rice meals, gasoline and utilities, no extras. I got two credit unions (not unstable banks) and put half of the rest of the money in each of them, EVERY paycheck without fail and it wasn't the easiest thing I had ever done, but it worked. It was like a game to me, seeing how much I could save. Determination really pays off.
Also listening to syndicated talk show host Dave Ramsey (financial guru).
After comparing prices on Costco's website, the amazon delivery service ISN'T cheaper. At least not for the kid/baby stuff that I usually buy.
I deleted Amazon from all my PC`s and smartphones. I bought a supposed "new" wristwatch from them with a brand name. It came nicely wrapped in a box of said brand with warranty and manual. It also came with the cheese and grime from the previous wearer still between the links.
Their supposed brand name bulk toilet paper still had "no more than 5% little scratchy branches in it. unlike the store equivalent.
still waiting on the zombie apokolypse
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