SAVINGS
Budgeting
Groceries
Long Distance
Service Charges
Savings Tips
Savings Links
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Netmiser Tips
- pay yourself first from your paycheque and live off the remainder;
- pay your credit card bills on time;
- brown bag it, instead of buying your lunch, 3 times a week;
- get rid of credit cards from department stores and gas companies. Their annual rate is as high as
24%;
- review all costs regularly (insurance, long distance, cable);
- hold garage sales, take your items to consignment shops or auction them off at E-Bay or any of the other on-line auction houses. Anything that does not hold some sentimental value is just taking up
space. It has served its purpose;
- buy items second hand at garage sales, consignment stores, flea markets if a used item will be as good as a new one at 50% the price or less,
- develop money saving habits (turn off the lights and appliances when not in use);
- check your local movie theatre, they may have twilight specials or family nights that are less expensive;
- for downtown shoppers, consider making a weekly trip to the suburbs. You may find their regular prices are a little cheaper; and,
- shop at sales and buy non-perishable items in bulk.
For Major Expenditures, eg. trips; car repairs; cars; home repairs; home improvements; etc. - a good friend of
mine suggests, obtaining three quotes to ensure a competitive price.
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