easy ways to save http://www.wisebread.com/taxonomy/term/11639/all en-US 21 Teeny-Tiny Ways to Save http://www.wisebread.com/21-teeny-tiny-ways-to-save <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/21-teeny-tiny-ways-to-save" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/biking_family.jpg" alt="Biking family" title="Biking family" class="imagecache imagecache-250w" width="250" height="120" /></a> </div> </div> </div> <p>They say it&rsquo;s the little things in life that have the biggest impact &mdash; and that&rsquo;s quite true in the context of money matters. While making massive changes to the way you spend can help boost your bottom line, so too can minute measures that you may not have considered. Starting today, keep more cash in your pocket by instituting these teeny tiny ways to save. (See also: <a href="http://www.wisebread.com/37-savings-changes-you-can-make-today">37 Savings Changes You&nbsp;Can Make Today</a>)</p> <h3>1. Sign Up for the Keep the Change Program</h3> <p>The Keep the Change program is exclusive to Bank of America, but there are other banks that have similar programs that round every debit-card purchase up to the nearest dollar and deposit that amount of change into your savings account. If you use your debit card frequently &mdash; I sure do &mdash; the savings can add up quickly.</p> <h3>2. Dress Warmer Around the House When It&rsquo;s Cold</h3> <p>No need to turn up the heat when there&rsquo;s a nip in the air. Head to your closet and put on socks, sweatpants, and a nice warm top to stay cozy instead of cranking up the thermostat.</p> <h3>3. Use Natural Light Whenever Possible</h3> <p>During the daytime, rely on natural light around your home and office when you&rsquo;re working. You&rsquo;ll save electricity, of course, but you&rsquo;ll also prevent your bulbs from burning out faster.</p> <h3>4. Eat More Leftovers</h3> <p>Don&rsquo;t let perfectly <a href="http://www.quickquid.co.uk/quid-corner/2012/07/12/8-ways-to-prevent-fresh-food-waste/">good food go to waste</a> by stuffing it in a plastic container to rot in the fridge. Eat the leftovers for lunch or incorporate them into a new dish the next night.</p> <h3>5. Raise Your Insurance Deductibles</h3> <p>If you raise your insurance deductible, your premium will go down. Of course, then you&rsquo;ll have a high deductible, but if you're confident that you won&rsquo;t get into an accident anytime soon, this money-saving idea can save you a nice chunk of change.</p> <h3>6. Pay Down Credit Card Debt</h3> <p>If you have a credit card, stay on top of the payments &mdash; and try to pay them down quickly &mdash; so you&rsquo;re not charged the high interest rate that&rsquo;s attached to them.</p> <h3>7. Walk or Bike Instead of Driving</h3> <p>Put the car in park and travel by foot or bike to run errands that are near enough. Even once or twice a week will preserve a generous amount of gas throughout the year.</p> <h3>8. Bundle Your Media Services</h3> <p>If you don&rsquo;t already have a package deal for cable, phone, and Internet, call your provider to inquire about a bundle. Savings for bundling all three products could result in a decent reduction on your monthly bill.</p> <h3>9. Use Your FSA If Your Employer Offers It&nbsp;</h3> <p>If your workplace offers a <a href="http://www.wisebread.com/score-free-medical-supplies-with-flex-spending">Flex Spending Account</a>, take advantage of it for co-pays and other eligible medical expenses and health products.</p> <h3>10. Use a Grocery Store Club Card</h3> <p>Many grocery store reward loyal customers with exclusive savings that are only given to those shoppers with club cards. It only takes a minute to sign up, and you&rsquo;ll see just how valuable it is on the bottom of your receipt.</p> <h3>11. Open the Windows When It&rsquo;s Cool Out</h3> <p>Instead of blasting the air conditioner or fan, open the windows to cool off if the weather outside is conducive.</p> <h3>12. Examine Your Bills Closely</h3> <p>This is one of my favorites on the list because so many people take their bills for granted. The billing entities (probably) aren&rsquo;t trying to rip you off on purpose, but mistakes happen, whether it&rsquo;s human error or a computer glitch. Take a look at your bills closely each month to make sure that all charges are correct. If something seems to be off, inquire about it &mdash; it could mean more money in your pocket.</p> <h3>13. Brew Your Own Coffee</h3> <p>If you&rsquo;re a frequent coffee-shop patron, you&rsquo;ll save money when you switch to a regular regimen of home-brewed coffee. Just be sure you're making the appropriate amount of coffee for those drinking it; don&rsquo;t brew a whole pot if you only intend to drink a cup or two. You&rsquo;ll also lessen your carbon footprint by investing in a reusable travel cup &mdash; I prefer these barista-approved <a href="http://www.keepcup.com/">KeepCups</a> &mdash; which will save you a few cents off your coffee shop purchase on those sporadic days when you choose to indulge.</p> <h3>14. Unplug Electronics and Appliances When Not in Use</h3> <p>&quot;Vampire voltage&quot; is when electricity is being consumed by electronics that are plugged into an outlet but not in use. It&rsquo;s called that because it&rsquo;s literally sucking money out of your pocket. When you&rsquo;re not using an electrical item, unplug it to avoid being bled dry.</p> <h3>15. Record Movies on Your DVR</h3> <p>Have you noticed that there aren&rsquo;t many good DVDs available lately? Unhappy with the current rental selection, I&rsquo;ve starting scrolling future screenings on my premiums channels to find movies that I&rsquo;d like to watch later. When they're in my queue on a Friday night, I can skip the potential On Demand or <a href="http://www.wisebread.com/never-pay-for-a-redbox-dvd-rental-again">DVD kiosk</a> purchase and put a few bucks back in my budget.</p> <h3>16. Reuse Paper</h3> <p>Every sheet of paper has two sides. If you can use the other for notes or for printing, do it. That&rsquo;s less waste in the recycling bin, fewer trips to the office store, and a savings of up to 50% on paper each year if you make this a habitual practice.</p> <h3>17. Visit the Library for New Books</h3> <p>When you&rsquo;re in the mood for a new book, visit your local library (yes, these still exist) instead of purchasing a hard copy or digital download.</p> <h3>18. Pay Your Bills Online</h3> <p>If you haven&rsquo;t noticed, stamps aren&rsquo;t cheap. You can save a few dollars a month on stamps and a few dollars a year on envelopes by paying your bills online instead of through the regular mail.</p> <h3>19. Just Say No to Newspapers and Magazines</h3> <p>We live in an age where information is disseminated almost immediately. By the time those print editions come out, someone in cyberspace has already let the cat out of the bag. Drop the newspaper and mag subscriptions &mdash; and avoid them in the checkout lanes &mdash; to save money.</p> <h3>20. Save Loose Change</h3> <p>Put the change in your pocket in a jug at the end of each day. Every few months or so, <a href="http://www.wisebread.com/best-ways-to-count-and-cash-in-your-change">roll the change</a> and either deposit it in your savings account or treat yourself to something special.</p> <h3>21. Buy Store Brand Food</h3> <p>Switching just one of your name-brand favorites to the store brand will save you anywhere from a few cents to a dollar or so. Imagine how much you can save if you switch several.</p> <p><em>What other small ways can you think or to save a few bucks here and there? Let me know in the comments below.</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/21-teeny-tiny-ways-to-save">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/for-a-better-relationship-with-money-make-plans">For a Better Relationship With Money, Make Plans</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/hand-me-down-cell-phones">Hand-me-down Cell Phones</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/old-stuff-how-to-kindly-receive-and-reuse">Old Stuff: How to Kindly Receive and Reuse</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-ways-pride-is-keeping-you-poor">7 Ways Pride Is Keeping You Poor</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/one-simple-thing-you-can-do-today-to-start-living-frugally">One Simple Thing You Can Do Today to Start Living Frugally</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living easy ways to save reduce electricity reuse small changes Tue, 21 Aug 2012 10:24:40 +0000 Mikey Rox 952260 at http://www.wisebread.com 6 Bulletproof Ways to Cut Your Budget http://www.wisebread.com/6-bulletproof-ways-to-cut-your-budget <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-bulletproof-ways-to-cut-your-budget" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000015206806Small.jpg" alt="Woman cutting coupons" title="Woman cutting coupons" class="imagecache imagecache-250w" width="250" height="166" /></a> </div> </div> </div> <p>If you've spent any amount of time reading literature on the subject of personal finance, you have heard of &quot;living below your means.&quot; Sure, you can always increase your income in theory, but the first thing most people should do to increase their bottom line is look at their expenses. (See also: <a href="http://www.wisebread.com/living-within-your-means-isnt-nasty">Living Within Your Means Isn't Nasty</a>)</p> <p>Here are six effective ways to cut anyone's expenses. If you aren't doing the tips mentioned here already, I highly suggest giving them a try.</p> <h3>1. Buy Only What You Need</h3> <p>It sounds obvious, but how many of us buy what is truly necessary? We often buy in bulk in an attempt to reduce our costs and end up wasting what we don't use. We buy a house that has unused rooms, a more expensive TV with features we don't care about, or a high-priced cell phone plan because we never want to go over our plan minutes.&nbsp;</p> <h3>2. Wait to Buy</h3> <p>Tricks such as the 30-day rule, where you wait 30 days to let your emotions settle down before you make a purchasing decision, are popular because they work. For those suffering from frequent impulse purchases, give this one a try. Don't worry, sales always come back and even if they don't, saving the money means you will have more to spend next time around.</p> <h3>3. Use Coupons</h3> <p>Clipping coupons or searching for online coupons works, and for more reasons than just getting a discount. Trying to find a coupon takes effort, and it gives you ample time to think about what you actually need to buy, acting as a cooling-off period helping with the problem of impulse buying.</p> <h3>4. Use Cash</h3> <p>When I was a kid, I frequently stopped myself from buying something because I simply had no money. With a credit card in almost everyone's wallet these days, when was the last time you had to refrain yourself because you didn't bring enough money with you? The topic of reward points always comes up whenever we talk about the benefits of using cash, but unless you have extreme discipline, spending less usually far outweighs the benefits of a possible 1% back.</p> <h3>5. Pay Yourself First</h3> <p>When everything is in your checking account, it's easy to feel plush with money and in turn spend just a little more. <a href="http://www.wisebread.com/pay-yourself-last-is-okay-too">Paying yourself first</a> &mdash; immediately putting some money into savings when you get paid &mdash; can help you spend less than you actually have. It's a wonderful trick, and I urge you to try it and see for yourself.</p> <h3>6. Refresh Your Memories About Your Purchases</h3> <p>Record what you buy and go through all your purchases periodically. Where did the product that you bought go? Was it really useful? Could you have spent less on it? By thinking about each purchase after the emotions of owning the item fades away, it will help train your brain to reduce any unnecessary spending.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/david-ning">David Ning</a> of <a href="http://www.wisebread.com/6-bulletproof-ways-to-cut-your-budget">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/37-savings-changes-you-can-make-today">37 Savings Changes You Can Make Today</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-easy-ways-to-save-50-every-month">9 Easy Ways to Save $50 Every Month</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-easy-ways-to-save-in-2010">5 Easy Ways to Save in 2010</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-smart-ways-to-make-yourself-love-saving-money">10 Smart Ways to Make Yourself Love Saving Money</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/never-borrow-money-for-these-5-buys">Never Borrow Money for These 5 Buys</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting cost cutting easy ways to save impulsive spending Tue, 15 Mar 2011 11:00:08 +0000 David Ning 504814 at http://www.wisebread.com 5 Easy Ways to Save in 2010 http://www.wisebread.com/5-easy-ways-to-save-in-2010 <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-easy-ways-to-save-in-2010" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/nest_egg.jpg" alt="Nest Egg - Image Courtesy of Stock Xchng" title="Nest Egg - Image Courtesy of Stock Xchng" class="imagecache imagecache-250w" width="250" height="277" /></a> </div> </div> </div> <p>If there's one thing we've all got on our list of New Year's resolutions, it's to save money. But we all know that's often easier said than done.</p> <p>After all, it's hard to save when money is tight to begin with...and after this year, &quot;tight&quot; is putting it pretty generously. But even if you're living payday to payday, even if you think you've squeezed all the blood out of the proverbial turnip, there are a few ways to save that don't require any major lifestyle changes. Want to know what they are? Here's five easy ways to save some dough in 2010.</p> <h3>1. Reduce paper, save dollars.</h3> <p>In addition to killing the trees and cluttering up the planet, paper costs money. Maybe not large sums per purchase, but over time, it all adds up. The solution? Cut down your paper usage and keep that extra cash instead. For starters, try saving your online receipts and confirmations to your hard drive or a CD instead of printing them off. And while you're at it, use an online recipe service to store your favorite concotions instead of printing those off as well. Your recipes will be easier to find, and not only will you save on printer paper but you'll also save on printer cartridges too. And let's be honest...you'll reduce your clutter in the process. Another paper reduction tip &mdash; use cloth hand towels instead of the paper kind and rinse them out after each use to keep them fresher longer.</p> <h3>2. Change your thermostat setting.</h3> <p>In the winter, turn it down five degrees &mdash; in the summer, increase by 5. It may not seem like a big difference but you'll save a decent amount on your heating and cooling costs over the year. In fact, the U.S. Department of Energy suggests that you pay an additional 2% to 3% for every degree of heat and air conditioning you use.</p> <h3>3. Clip coupons.</h3> <p>No one wants to be the person who holds up the grocery line while they rummage through a wallet full of coupons, but a little <a href="http://www.wisebread.com/50-best-deals-coupons-sites">smart clipping</a> can go a long way. Start by making your list before your go shopping and then take only the coupons you'll need &amp;mdash; not your entire stash. Here's another tip: be sure to compare the savings you get from the coupon with the price of the lesser, no-name brand to be sure you're really getting the most for your grocery bucks.</p> <p><strong>4. Eat out.</strong></p> <p>Yes, eat out. Not every night of course and certainly not at the pricier places, but there are some instances when it's cheaper to eat out than to make your own. For example, pizza can be a relatively cheap meal for a family of four with the right coupons, while making your own pizzas at home can get quite costly. Burgers on the dollar menu are another good example of eating out with your budget in mind. Yes, I know these aren't the healthiest choices but if you're planning on burgers or pizza anyway, then why not save a few bucks in the process? Other dishes such as spaghetti and steak are typically cheaper to cook at home so just do the math when you're planning your menu.</p> <p><strong>5. Enroll in the tax-advantaged plans at work.</strong></p> <p>If you've been putting off joining your company's Healthcare Savings Account, now is the time to reconsider. Tax-advantaged plans such as this offer immense savings for you and since it doesn't cost your employer anything, even the smallest companies can offer it. Depending on your company, these plans can cover everything from health care costs to child care expenses, education and even transportation. To enroll, you'll have to designate a portion of your income to be withheld each month but this money is taken out &quot;pre-tax,&quot; meaning you won't pay taxes on the income and if you're right at the threshold of higher tax bracket, the deduction could be just what you needed to lower your bracket and reduce the amount of taxes you have to pay.</p> <p>No, these five frugal tips won't make you a millionaire, but they will put a few extra dollar in your pocket and give back some control over your financial picture. And that, as the commercial says, is priceless.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/kate-luther">Kate Luther</a> of <a href="http://www.wisebread.com/5-easy-ways-to-save-in-2010">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/budgeting-for-your-next-vacation-yaycations">Budgeting for Your Next Vacation: Yaycations</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-art-of-the-trade">The Art of the Trade</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-gettin-baptized-in-the-watahhhhhhhhhhhhhhhhh-epiphany">The Gettin&#039;-Baptized-in-the-Watah Epiphany</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-bulletproof-ways-to-cut-your-budget">6 Bulletproof Ways to Cut Your Budget</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/calling-all-artists-be-your-own-cheerleader-and-find-that-room-of-your-own-free">Calling all Artists: Be Your Own Cheerleader and Find that Room of Your Own (free)</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Art and Leisure easy ways to save save in 2010 Fri, 25 Dec 2009 14:00:28 +0000 Kate Luther 4230 at http://www.wisebread.com