Things to Save Money in your Household Budget

-Have a budget
-Just say NO
-Face the reality of your buying habits (little things)
-Ask, ask, ask
-Make your self save something every month
-Quiz yourself before you buy anything (Do I really need it?)
-Carry a “buy-at-the-right-price” list
-Keep in mind that nothing is a bargain unless you need it
-Evaluate your insurance policies at least annually
- Pay your credit card bill in full every single month
www.cardratings.com
-Think long and hard before getting a pet
-Think cheap fitness
-Take your lunch (at least 2 or 3 days a week)
-Sleep on it
-Shop garage sales for bargains
-Have a garage sale
-Shop thrift stores
-Do it your self (sewing, cleaning, ironing…)
-Make things yourself instead of buying them
All-purpose cleaning: ½ cup ammonia, ½ cup vinegar, and ½ cup baking soda in a gallon of warm water.
Disinfectant spray: Mix ½ cup bleach and 3 ½ cups water. The total cost will be about a dime.
-Don’t smoke
-Be as energy efficient as possible
www.energyright.com/savingenergy/evaluation.htm
-Order smart at restaurants
www.entertaiment.com (which include hundreds of money ,saving coupons…..)
-Change the way you entertain
-Use the library to the fullest
-Purchase use books
-Change the gift-giving rules for the holidays and other occasions
-Reevaluate your Christmas holiday traditions
-Let people know what you want
-Go for resifting
-Save on travel
-Consider a vacation in which you don’t actually travel
-Go for automatic bill pay
www.cardratings.com
-Negotiate
-Don’t waste your money on extended warranties
-Enter contests
www.sweepstakestoday.com
www.sweepstakesadvantage.com
-Sing up for a membership
-Volunteer (Habitat for Humanity volunteer)
-Find ways to be cheap, to be generous
-Never turn down anything free
www.freecycle.org
-Take advantage of cheap or free greeting cards
www.bluemountain.com
www.123greetings.com
www.regards.com
-Be frugal on the gardening front
-Keep a gift closet for storing “all purpose” gifts
-Be skeptical (BBB and Department of Consumer Affairs for your state)
-Stay home more
-Stay out of the stores
-Talk to your children and grand children about money
-Make the most of your education (Commerce Department’s Census Bureau)
-Pay full price
-Be patient
-Enjoy things that are good to the last drop
-Consider a “fiscal fast”
-Take things back
-Enjoy high school sports and theater
-Attend leisure activities at local colleges
-Avoid clothes that need to be dry cleaned
-Shop consignment stores
-Take advantage of all the great web sites for cheapest
www.Shopping.com
www.mysimon.com
www.shopping.yahoo.com
www.pricegrabber.com
www.retailmenot.com
www.cuponchief.com (on line tutorial to help people to use the site)
www.smartbargains.com ( a rebate site where you can get money back for some of you purchases)
www.fatwalet.com
www.dealcatcher.com
www.insweb.com (all kinds of insurance)
www.gasbuddy.com (the cheapest gas is)
www.indexcreditcards.com (law interest cards, rewards cards…)
www.overstock.com (good discounts on clothes, house wares, books, music…)
www.factcheck.org
www.rather-be-shopping.com (coupons & deals)
www.half.com (is an eBay page with books, music, movies, text books…)
www.buzzillions.com
www.annualcreditreport.com
www.couponmom.com (coupons, coupon codes, free offers, free samples)
www.lastminute.com (last minute travel)
www.ebates.com (rebates, donate to charity)
www.mycoupon.com
www.totallyfreecrap.com www.heyitsfree.net (free stuff from screwdrivers to magazines and lip gloss and Nicoderm patches)
-Google everything
-Learn what you can do without
-Don’t spend a lot of money on the movies
www.redbox.com
www.hulu.com
-Lower your standards
-Compare prices on everything
-Think multipurpose
-Churches rock
-Get that company Match
-Make the savings fun
-If you or your spouse is a senior go for that senior discount
-Let the kids eat free
www.kidseatfree.com
-Go for services (for pampering and for food)
-Know your benefits at work
-Learn some new home – improvement skills
www.homedepot.com
www.expertvillage.com
www.wikihow.com
www.diynetwork.com
www.beyane.com
-Shop off-season and shop year-round
-Drink water
-Save by sharing
-Think about what you can sell
-Save every single receipt
-Know your stores
-Get free credit reports
-Find cheap and free entertainment for yourself and the family
-Use store brands
-No matter where you shop, have a list and stick to it
-Shop alone and don’t shop on an empty stomach
-Know your prices
-Have a menu plan based on what’s on sale
-Stockpile
-Weigh every think
-Coupon on the max
www.couponmom.com