I work very hard and am attending college to obtain my degree in the Human Service field. Writing makes me feel alive and gives me the opportunity to touch those whom I would not be able to otherwise. Last but not least, I have been blessed with two amazing daughters who love me completely and support my dreams. Feel free to contact me with questions, concerns or feedback.
With Christmas fast approaching, most likely we are scrambling to find the perfect gift. Along with the perfect gift comes one of two things: cash or credit.
With the economy in the gutter, so many of us wonder, how do we save? How do we avoid going overboard, not just now but all year long? Are there practical ideas regarding keeping the money in our pockets in lieu of the opposite?
I have a few ideas which may help you. Once again, take what you like and leave the rest. This one is going to be a little more light than usual.
Within your home, take a look around. Do you have one too many of everything? Is it that important to stockpile? When you have time, write exactly how many you have of each item regarding beauty supplies, personal hygiene, food items, articles of clothing, toys, DVD’s, and anything else you find yourself re-purchasing on a regular basis. So many times I see a great deal and wonder, “Do I have that already?” Keep your list in your purse or store it in your electronic device.
If the majority of your family is gone though out the day, unplug each and every appliance, turn off power strips. It takes moments for boxes to reboot. Your microwave, laptop, cell phone chargers, home computer, coffee pot, washer, dryer, cable boxes, game systems continue to pull energy when plugged in. Simple steps to save more than you know.
DVR your favorite shows. Skip past the commercials. This will help to avoid temptation for the latest and greatest gadgets. Avoid reading the sales ads in the Sunday paper. If you must shop, do so at one store. Avoid the mall where it’s possible you may be pulled into the many stores which offer the latest scents and deals.
Learn to say no; to your children, family, friends and anyone else who may encourage you to spend needlessly. If you prefer a night out, search the Friday newspaper or internet for the best deals and outings around town. With Redbox, budget cinemas and deals prior to 5pm, why spend $80 to take your family of 4 to an evening movie?
Like hanging out with friends but the cost of drinks makes you cringe? Suggest a rotation at one another’s homes. If each person spends $15 or less on their favorite beverage and brings a dish to pass, this will save you thousands throughout the year. Have a place for your friends to sleep in case someone has consumed more than less.
For book lovers, new devices such as eReaders allow us the opportunity to obtain our favorite books for free or at a minimal price. Most new releases are half of what you will pay in the bookstore. I recently downloaded 40 free books in less than 5 minutes to my device. The Milwaukee County Library system has certain material available for the eReaders as well. If you still like to hold your books, head to Half Priced Books. They have 50% sales throughout the year. If you wish to save money altogether, head to the library. Be careful to avoid returning late, charges can add up fairly quickly.
Maintain your vehicles and find a trusted mechanic. An oil change every 3000 miles can prevent many mishaps. I am fortunate to know a husband and wife who have serviced my vehicles more often than not. A great big thanks for their selflessness at the most inopportune of times.
Just a few simple steps to save money for rainy days, adventure, travel and life changing experiences.
Have your own money saving tips? Feel free to add them below.