You want to save money. You will do well to remember that spending is emotional and saving is logical. Carve your strategy from these basic elements and you will work to stay more logical than emotional. If you do that, you will save money.
Anytime we present websites, you must always recognize that we do NOT endorse anyone or anything and we ALWAYS recommend that you do your own research on any site.
With that warning in mind, we present some saving sites that might be worth a look:
Remember: If you don’t take the money you “saved” and put that money in an actual saving vehicle, you are NOT saving any money. You are participating in marketing. The same is true if you use coupons or coupon codes to purchase something you don’t need. Oh, and we might as well add this: if you are not checking the coupon deals Vs. other retailers or other in-store deals, you may not be saving anything at all. That would mean you are only participating in marketing. Oops.
When shopping on line, seek out the locations where you can access free shipping. Remember – everything adds up, and shipping can add up fast. There is a lot of competition out there. So, do your research. Don’t just accept what you see. You don’t have to purchase it from a specific store or on-line retailer. Nothing (generally) is that rare.
Remember the rules:
1. Save money by making your list of needs in advance of any shopping and sticking to the list.
2. Negotiate on everything – especially unusual purchases of any kind. You don’t have to buy it THERE. Consumers drive 70% of the economy. That’s you. Use your power.
3. When you save 10% off of an item, take the 10% you save and put it in an actual savings vehicle (money market savings or certificate of deposit). Otherwise, you didn’t save ANYTHING.
4. Spend about an hour a week researching coupon codes on the internet. If you really do your research and you really look at the deals, you can find them and save, save, save (what do you do when you save? See #3 above).
5. Remember that you can save on bills, too. Contact the companies that send you bills and ask them for help. Tell them you have been impacted by the economy and need help. Be open to their suggestions (such as bundling). Ask questions. If they don’t cooperate, ask for a supervisor. Be consistent. Call again. And again. Demand action. When they give you opportunity to save, take it. And make sure you apply it to your savings.
Remember: You can treat savings like a BILL. Collect percentages you save here and there, and add up the dollars. Then take those dollars and make them a new monthly bill. Pay that bill FIRST each month. Chances are good you won’t miss it – and you will pile up the SAVINGS!
SAVE MORE THAN MONEY
In this country we don’t do enough to teach our children about money, managing money, saving regularly (and automatically), compound interest and steady investing for a long-term future. As a parent, we are always concerned that they get a good education and go to a good college so they can make a lot of money or have a valued career path. The truth is that we could do our children the biggest favor and one of the best things by sharing with them sound saving and investing principles.
You can join our free Facebook group (or have your children do it, too) by searching in the Facebook bar on your “wall” for “Live The Lifestyle Your Family Deserves.” Click on “become a fan.” It’s free and it ties our free blogs into that group.
If you want to give your children the same information we are giving ours, you can purchase the only thing we sell on any of our blogs or groups. It’s called “How To Survive Any Financial Crisis” and you can get it for only $4.95 at http://www.middleclassmoney.com.
Thank you for reading our blog and good luck!