5 More Easy Ways Everybody Can Save Money

Considering the difficulties in today’s economy, it’s certainly a time to cut expenses. Saving money by eliminating unnecessary purchases leaves you a nest egg for when you really need it. In addition, saving money helps you pay down existing credit card or other bills. And with the Debt Movement upon us, there isn’t a better time to skim the fat off of your budget and start rocking that debt!

The key to saving money is employing a multi-pronged approach. You typically spend money for a host of products and services from an array of suppliers. Therefore, you must strategize to save effectively; this ensures you cover all your bases as applies to where your money is going.

Here are 5 easy ways that all of you can save money:

Plan Your Shopping

You can’t forgo shopping altogether (although I wish you could; there are the necessities to purchase each month. Always develop a plan when shopping for clothing, big purchases such as vehicles or tech gadgets, and pretty much for any other essentials in life.

Always analyze NEEDS versus WANTS and don’t get caught in the trap of making “unnecessary” impulse purchases. Do research online before making a purchase or download one of the many apps available to help you with that process.

Take Advantage of Grocery Store Discounts

Food takes a big bite so-to-speak out of your monthly budget. Learn to plan a menu and find ways to save on your monthly grocery budget. Use store and manufacturers coupons that are available on products you use. In addition, take advantage of “quality generic products” whenever possible as they tend to cost less than popular national brands.

Take Advantage of Online Coupons and Coupon Codes When Purchasing From a Web Portal

Are you shopping online for an item you need or want? Then take advantage of coupons or a promotional code online from various merchants. One of the coupon sites I like to use is Promotional Code particularly for their discounts at online stores. Maybe you’re going to send flowers to someone; check online floral enterprises that offer coupons for immediate redemption when you order online. Maybe you want to purchase a new toaster from an online kitchen accessories site. Find one that offers quality products with attendant coupons that save you money. In addition, check out promo codes and coupon sites that offer a wide assortment of deals.

Pay Off Your Credit Cards As Soon As Possible

Yes, this is often difficult to do; however, the benefits are worth it for your financial well-being. Credit card debt that you carry over from month to month means you’re being hit with high interest rates.

If you just make minimum payments each month, you won’t reduce your debt in any significant way. You will incur monthly interest charges, which means more money is going out and less savings in your bank account.

Use the Library

Do you really need to buy every book or anything else you wish to read? I’m the worst at this by the way…I love to highlight and tag topics/quotes/concepts in books. Granted, having a hardcover, paperback or digital copy of your favorite author is nice. However, some books you read once and will never open again.

Use the resources of your local library for your non-fiction, novel, newspaper, music, magazine, and even movie needs. If there’s something you really want a copy of, for your personal library, you can then buy it after first reading it from the library.

The above are a few things you can do, amongst a host of others, to save money. Let’s face it; we don’t know what the future really holds in terms of our financial situations, employment, and such. Save where you can, and consistently look for new ways to save so you avoid the inevitable lifestyle inflation creep. This helps you have the finances on hand for those random emergencies and for those items that you really need down the road.

About the Author

By , on Jan 24, 2013
Andy Tenton
Andy is a 30-something New Yorker who turned his financial life around. He took charge of his finances, got out of debt, and is now working his way toward financial success. He is the publisher of WorkSaveLive.com.

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  1. These are good tips. We do plan our shopping but I think we tend to stray quite a bit. Sometimes it can be helpful if there are unexpected discounts for items that you use a lot. Sometimes it may be that we went shopping hungry which I know is never a good thing.

  2. Leslie says:

    Good call on the library. I’ve found that if I really enjoy a library book, I will purchase it. This happens 1:15 books. There are many many books I read and am glad I did not purchase.

  3. Margarita says:

    I just wanted to mention that most libraries will even go so far as to order a newer book that you may be looking for if they don’t already have it.

    Also, using coupons online to save on regular items like clothes and electronics can definitely be a huge money saver. I have to admit that just recently I saved $60 on books (not only did I get free shipping, but I also shopped during a major clearance event and used a coupon code to save $10 on my order).

    It’s really the little things that can add up, so even saving $5 can help. 🙂

  4. I’m sorry to admit but I don’t use the Library often enough. My fiance and I live but 3 blocks from the Library yet we would sooner find ourselves at the used book store than the Library. Maybe our thriftiness and excitement for the hunt has finally got us spending at time we don’t have to!

  5. Brian says:

    Some people get annoyed by flyers in the mail, but we couldn’t shop without them. We always look up what’s on sale that week to decide what we’re going to buy. We’re far enough ahead with stock that we never HAVE to buy anything immediately – we can always wait for it to go on sale.

  6. Good tips, Using coupons and buying more store brand products has really helped us lower our grocery budget which was a bit out of control in our budget last year.

  7. I love the library. I started the Jack Reacher book series and bought the first couple on my Kindle for traveling over the holidays. I really liked them, but there are 17 books! If I bought all those that would kill my budget. Luckily, they have them ALL at the public library.

  8. The bf knows our librarians on a first name basis. I used to think this was a little weird, but with all the money he saves us borrowing books and movies I’m certainly not judging anymore.

  9. The library has become a forgotten place over here in the UK, yet every time I go in I’m shocked by how many good things they have to offer. Great tips!

  10. Jose says:

    Don’t forget thrift stores, softcover books that have been released fairly recently can typically be found there in a price range of 50 cents to a 1 Dollar.

  11. Pam says:

    I use the library a lot. I look at the Barnes & Noble 100 top best sellers list and then reserve the books at the library. It has saved me a ton.

    My sister bought me a Nook and I didn’t even unwrap it for months but I signed up for some lists that email free books every day so I don’t pay. This works well when you know you have to wait in line somewhere.

  12. My wife and I are huge meal planners. We save a lot at the grocery store because of this. It also makes it easy when you get home from work and know exactly what needs to be cooked.

  13. Mackenzie says:

    I love the library! I utilize my library card all the time! I love to read and since I can’t afford to purchase books, I check them out at the library. I’ve also checked out movies there before which is a great plus 🙂

  14. I keep saying that I am going to start going to the library but I never do. It is a huge waste of money to actually buy books because most of us won’t read them a second time.

    • Andy says:

      That’s so true! I have yet to read a book for a 2nd time, but I do refer back to them quite often for content ideas, quotes, etc.

  15. All this makes sense and I have been using these tips for three years now; all except ‘use the library’ – I still buy loads of books it is just that now they are electronic. Don’t even have the excuse that ‘I can’t read a nespaper that has been read before’. Don’t ask :)!

    • Andy says:

      I realize I’m in the minority, but I’ve NEVER read an electronic book. I’m fairly old-school and I think I’ll stay with the hard copy until they stop printing books.

      • It’s my eyesight, Andy – I got a e-reader because I bought a book I couldn’t read; the font was too small. Please don’t say ‘get new glasses’ – have heard this one a people don’t seem to realise that part of the problem is my sight changes throughout the day. It gets a bit of getting used to but once you have e-book are books; just not paper ones.

  16. Love the library option we get books for the kids all the time from there. On top of that the library in our local town does a story hour for the kids which is also totally free which does really well at helping our kids with there reading skills.

  17. MomofTwoPreciousGirls says:

    EBATES! I really utilized this a lot last year and it has paid off. I bought our whole Christmas this year using our Perkstreet rewards and then earned over $50 cash back shopping through Ebates. I always take what I earn and split it between my 2 girls’ savings accounts.

    Best advice is to install their toolbar…it will always remind you to activate cash back on any site that they deal with.

    Editor: I thank you for chiming in and suggesting Ebates (great idea to save money) but I can’t have you go posting links in the comments. 🙂

  18. Michelle says:

    I’m glad you emphasized meal planning. This was a huge one for us, as you know! Without plans, food would often go to waste. Even then, I was maddened by the amount of produce I had to end up tossing, but I thought meal planning would just take too much time. Wrong! It saves me time and a lot of money!

    • Andy says:

      Planning meals is a huge money-saver! The only problem we run into is when you stray from the menu. For instance, we went out to dinner last night despite the fact that we originally were going to eat at home. Whoops. 🙂

  19. Pauline says:

    If I carried a balance on my card I would try to make payments at any time, every week or so, to apply all the money left over. If you wait until it is statement time you pay more interests.

    • Andy says:

      That’s a great point but making multiple payments/month seems like a hassle to me. I think it would depend on how organized the person was; if you’re able to sort out how you can afford paying a weekly CC payment then that’s awesome! However, I think most people are too overwhelmed and a lot of them forget to pay it once/month…let alone 2, 3, or 4 times.

      • Jose says:

        I’m with Pauline on this one, whenever I get some “Unexpected” cash. Be it a work bonus, cragslist sell or some other method, I’ll deposit it and immediately make a payment towards a debt that I’m focusing on. This does two things for me, it reduces the overall interest paid on that debt (Minimally, but in my opinion every little bit counts) and it reduces the temptation to divert the funds somewhere else. -J-

  20. We make sure we pay off our credit cards in the interest free period every month. It seems pointless to allow interest to accrue at such a high rate when we can pay it off.

  21. Michelle says:

    I need to use the library more. The other day someone asked me where it was and I felt stupid because I couldn’t answer them!

  22. AverageJoe says:

    I don’t use my library nearly enough. Great tips.

  23. Good tips Andy! We use many of these ourselves and they really can save a nice chunk of money over time if you know what you’re doing and plan out your shopping. Realizing what’s a need/want is a huge way to attack this overall.

  24. These are all good tips! We always seem to save the most when we are too busy to go anywhere or do anything. This month has been crazy and the result is that we haven’t spent any of our entertainment budget.

    • Andy says:

      I always love it when we don’t use our entertainment money until the end of the month. Instead of having $90 to spend over 4 weeks, you have $90 to spend in 1-2 weeks and you feel like you’re rich! Haha.

  25. I haven’t used the library in awhile but that is a great tip. I am an audio-book guy, and the library has a lot of those to pick from. I will have to add that to my to-do list.

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