How to save money effective way? | 21 Ways to Spend Less and Save More Money |

21 Ways to Spend Less and Save More Money

 The important thing to reducing your spending is to reduce a touch in every place. begin with simplifying your life. we fool ourselves with the aid of never considering the entire annual costs of the things we spend our tough-earned money on. spending $a hundred for cell cellphone service may not appear to be a good deal on a monthly basis, but it really is $1200 in 365 days!

I need you to rethink your values, in particular those associated with money. recognition of what you've decided is in reality critical to your lifestyles and the lives of your circle of relatives participants. we get so stuck up in our existence that we fail to recognize we are spending an exceptional deal of our money on matters that don't even match into our cost machine.

This instructable gives you 21 guidelines for simplification that could be just right for you. possibly they will help you think of other ways that you may reduce again financially, sluggish down, and revel in the things that surely matter. these guidelines will assist you to get began on a life-length adventure of frugality.

Step 1: Stop Unnecessary Shopping

I'm no longer speaking about purposeful searching for vital gadgets. i suggest strolling thru the mall, window shopping, or surfing online shops with nothing unique in mind, truly looking for incredible deals and matters that occur to strike your fancy. this sort of "shopping' is a very risky aspect to do.

I am not suggesting which you in no way buy something once more, but that your spending has to grow to be a deliberate act, buying the products and services you want, now not spur-of-the-second, impulsive spending.

Step 2: Pay With Cash Only

Retailers are well aware of the statistics that prove that you will spend at least 30 percent more if you are in a store with a credit card, debit card, or checkbook than you would with "cold hard cash." A customer who carries cash is the last thing they want to see coming. Why? Because they know how cautious and non-impulsive the cash buyer is.

Step 3: Keep a Daily and Weekly Spending Record

Seeing wherein your money goes maintains you from lapsing right into a spending coma. a spending report makes you in reality consider your spending behavior. it will offer proof of your challenges and progress. plus, retaining each day and weekly spending document is step one closer to establishing a monthly budget.

First, preserve a day-by-day spending file for thirty days or one month. this is absolutely a written account of the money you spend throughout a specific day. writing it down is the handiest manner to find out in which your money goes. every time you spend cash, write a check, use your credit score card, or use your debit card--write it down.

Gather seven days of spending statistics for one week. gather 4 weeks of spending statistics for one month. then you may be able to create your monthly finances based totally on what you've got spent over the last month.

Step 4: Find and Buy the Cheapest Gas

It takes only a few seconds to log on to GasBuddy.com to find the cheapest gas in your neighborhood the day you need to fill up.

Simply type your city and state in the "Search for Local Gas Prices" search box, click "Search," and you will see a list of the lowest-priced gas in your area as of the last 24 hours.

As you can see, if you are a member of one of the major warehouse retailers like Costco, BJ's, or Sam's Club, you'll probably find cheaper gas than at the other stations like Exxon, Shell, or Citgo.

Step 5: Keep Your Car Tires Filled

Check your car tires weekly to make sure they're properly inflated, holding the exact amount of air pressure as recommended in your owner's manual. In this particular manual, the recommended tire pressure is 35 PSI.

Keeping your tires properly inflated should increase your gas mileage by up to 10 percent.

Step 6: Grocery Shop With a List

A grocery shopping list is your game plan. The food industry spends billions of dollars a year to weaken your resistance to spend more money with fancy packaging and compelling displays. Create your list according to the layout of your grocery store, only buying those items that you need.

Remember Step 1: Staying out of the store unless absolutely necessary will decrease your exposure time and your temptation.

Step 7: Be Brand Flexible

Staying loyal to a selected logo might cost you quite a little money in the long run. in case you're willing to go along with what is on sale, the shop's brand, or the logo for that you have a chit, you're possibly to keep more of your cash to your pockets.

An 18-oz.. jar of Jif logo peanut butter at Walmart prices $2. ninety-eight. the equal size jar of high-quality cost logo at Walmart expenses $2.56. this is a difference of forty-two cents! believe how a great deal you can store if you switched all of your call logo merchandise with the store brand.

Step 8: Use Sale Ads

Plan your meals and shopping list around what's on sale this week. Collect the sale ads that come in the mail and in the weekly newspaper.

Step 9: Plan Meals Carefully at Your Favorite Grocery Store

Get additional savings by subscribing to emeals.com. Here's how it works:

1. You choose your meal plan according to your eating style, family size, and grocery store.
2. Each week you'll receive your meal plan, complete with seven dinner recipes (including entrees and side dishes) and a shopping list--directly to your email inbox.
3. Take your shopping list that's coordinated with the weekly sales at your favorite grocery store and enjoy healthy, home-cooked meals at a bargain.

Step 10: Use Coupons

Use coupons only for items you'd buy if you didn't have the coupon. Always buy the smallest qualifying size when using a coupon.

If you are really serious about slashing your grocery bill, here are some web sites that can help you find good deals:

coupons.com

couponsuzy.com

thegrocerycame.com

To organize your coupons, consider purchasing the CouponPro binder with coupon pocket pages, divider, shoulder strap, and built-in storage compartments.

Step 11: Eat Lunch and Breakfast for Dinner

There are two ways to switch up your lunch and dinner meals:

1. When eating out at a restaurant for dinner, ask to see and order from the lunch menu, request the lunch portion of the entree you select or eat half of the dinner portion and box up the other half for tomorrow's lunch. On average, you will save about 20 percent; plus you'll have a lighter meal and avoid overeating.
2. Instead of cooking the typical meat and potatoes for dinner, try having "breakfast" for the evening meal instead. Bacon, eggs, and pancakes can be a delicious, time-saving twist to the end of a long day.

Step 12: Find a Free Bank Account

It may take some searching, but there are many banks and credit unions that offer free accounts with a minimum balance. Check out nerdwallet.com for help. They've compiled offers from more than 500 financial institutions to help you find the best checking account for your banking needs. It's easy:

1. Enter your zip code.
2. Select whether you are a Teen, College Student, Senior, or Everyone Else.
3. Select your preferred institution type.
4. The results will give you a list of qualifying banks in your area with their monthly and annual fees if any.

SECU's annual fees are $0 for Choice Interest Checking; $60 for Standard Checking; and $108 for Premier Interest Checking.

Step 13: Pay Your Bills Online

Paying your bills online through your bank's or an independent bill-paying site will save you a lot of time and money. You won't have to pay postage and you'll have an electronic record of your banking activity.

Step 14: Use Only No-fee ATMs

Use only automatic teller machines (ATMs) that are networked into your bank's system and for which you will not be charged a transaction fee.

Step 15: Wash Your Clothes in Cold Water

If you're like most families, the bulk of your laundry is only lightly soiled. Modern-day detergents clean clothes just as well in cold water as in warm or hot. Your colors will last longer too!

Step 16: Ease Up on Your Dishwasher

Save heat and water in your dishwasher by washing only full loads and choosing the air-dry option.

Don't pre-rinse dishes.

Better yet, to save even more energy, hand washes your dishes in the sink.

Step 17: Lower Your Thermostat in the Winter

In the winter keep your thermostat set to as low as you can bear (60 to 70 degrees F.) unless you are in poor health, elderly, or taking certain types of medication.

Step 18: Do a Movie Switch

Instead of going out to a movie and dinner, go to a bargain-priced matinee and dessert after.

You can even cut entertainment costs by renting a DVD from a vending machine.

Step 19: Escape to the Library

You'll be amazed at what fun you and your kids can have at the library.

You can borrow DVDs, CDs, audiobooks, and of course--exciting books!

Some libraries even have storytime, arts and crafts, and documentary film showings.

Step 20: Go for a Walk and Exercise in Your Neighborhood

If you've never explored your neighborhood, take the time to find out what you've been missing.

Instead of paying for a gym membership, go for walks around your neighborhood for exercise.

Step 21: Be a Tourist in Your Own City

Go online and search your community or city as if you were a tourist coming for a visit. Many of the activities are free or highly discounted. Your local tourism bureau should help you find lots to do and see in your city and surrounding area.

For example, if you live in the Mid-Atlantic region, the Baltimore Tourism Association makes it easy to choose activities to fit your recreation needs.

Bonus Step 22: The Result Is That You Spend Less Than You Make and Save Money

If you practice the steps of this Instructable, you will be a person who earns money and manages to hang onto it by spending less than you make.

You probably don't need to eliminate one area entirely, but rather cut back a little bit in every area.

Strive to get the very best value you can for each dollar and fully enjoy the things you have or make use of.