Save Change Throughout The Year
Whenever cash is paid for something and change is given back, save it. Change adds up fast into big bucks. I also save the one dollar bills and group into tens.
My tip concerns having more money by being organized. I worked in an office my entire life, but until I set up a file cabinet in my own home after retirement, I didn't realize how I could save money by organization!
Buy Savings Bonds for a Great Savings Rate
Savings Bonds are now paying over 3% for the next few months. The only catch, they change interest rates every May and Nov. and you must hold them 5 years or pay 3 months of interest.
What are triple coupons? I have heard of double coupons, but not triple. I live near Akron, Ohio and I would like to know where I could find these? Thank you.
Keep a piggy bank, and add change to it whenever you have extra. Make it a game with the kids to add "found" change. Save the money for a special outing, maybe a supper at a fancy restaurant or a camping trip.
Before I retired, I used to use what was called a "Bohemian" savings plan. Why Bohemian, I don't know. It involved, if you get paid on a Friday, for instance, you would put your check in the bank or enter the deposit in your checkbook on Saturday the first week.
Hiding Places for Cash at Home
I don't like carrying cash every day but want it hidden in a safe spot in my home. I came up with a few good hiding places so the cash isn't all in one spot:
Deposit Change In Separate Savings Account
When the vase gets full, I take it to the bank and deposit it into my "special" savings account. Since I only glance at the statement once a month I don't see how much it has accumulated, so I'm not tempted to spend it.
If you made a resolution to surround yourself with responsible spending from now on, a set of spending rules can come in handy. Learn them, live by them, and watch them save money.
I have been a staunch couponer for years. One year, I kept the money I that I saved and was able to buy a new washer and dryer at the end of the year. Two to five dollars a week at the grocery store adds up.
The irony of saving is that it is more important now than ever, yet it's harder to save today than it was a few years ago. What's the method of savings some extra money without cutting back on the things that you love?
I am always looking for a good grocery coupon site. Most of the ones I have found require personal info or a phone number. I just need coupons, not more junk mail. Any suggestions? Thanks.
Round Up Debit Card Into Savings
Our bank offers a "Keep the Change" program. A painless way to save $. Every time you use your debit card, the bank rounds it up to the next higher dollar. Works great, and it goes directly into your savings account.
Many of us are living cheque to cheque and trying to make ends meet. How are we supposed to save money when we barely have enough as it is now for basic needs?
Earning Extra Money for College Classes
Does anyone have ideas on earning extra money to pay for summer college classes? I work FT, go to school FT and I'm a single mom. I have started saving for summer courses. Any money making ideas are welcome. Thanks!
Just an update on the January Spending Freeze. Thank you for all the terrific responses! So far, so good (of course, today is only the 8th!) I have managed to steer clear of my beloved Goodwill and other local thrift and resale shops, have brought my lunch to work each day, and didn't buy any extras at the grocery store.
I recently got my annual raise and have been putting it into savings. If i don't use it, it's like i never got it! A friend of mine read somewhere (not sure where) that a person has been living on the same salary for 10 years by doing this! So yes, it can be done!
Tomorrow is the first day of my January Spending Freeze, that means no spending other than the essentials: bills, gasoline and groceries. No more McDonald's for lunch, I will bring something from home. No books or CDs, no visits to the antique mall, no fundraisers, no lottery tickets, absolutely no extras for one month. Has anyone done this? If so, I would love to hear from you with your thoughts or advice. Happy New Year to All!
Pocket The Savings From Lower Gas Prices
With gas prices decreasing, I have been putting the difference from what I was paying for gas (with the high prices) to what I am currently paying in savings. Wow, this is really starting to add up nicely!
Money saving tips and strategies for saving money in the new year from the ThriftyFun community. Feel free to post your ideas!
When times get financially tough, the idea of rummaging through your home and turning items into cash isn't the move of a financial mastermind. However, taking some time to do periodic liquidation is the habit of a smart financier.
My Frugal Life: Triage Casual Spending
I conscientiously keep EVERY invoice even if it is only for a coffee, in fact particularly for such minor purchases (e.g., parking, tolls, and gas) I just drop every bit of paper into the bottom of my handbag.
This year our library fundraiser earned less money than in previous years. The chair of the event mentioned that in comparison to other local events, we still did quite well. Her comment was, "People are just being more careful with how they spend their money."
If you made a resolution to surround yourself with responsible spending from now on, a set of spending rules can come in handy. Learn them, live by them, and watch them save money.
