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Collectively, Americans are spending more than they earn - and that is pretty scary. Learning the skills and strategies to save and invest money can improve the quality of your life.
I like to apply the same strategies and ideas to my financial goals as I do to my health goals (with a few tweaks, of course). Remember that you do not have to deprive yourself of things to achieve your goals, whether it is saving money, dieting, or learning a new habit. Learning how to save and invest will help you get out of debt, teach you how to buy things that have meaning for you, and help you create important buffers (like retirement savings).
So, how do you do it?
Small steps. Keep in mind the story of the Tortoise and the Hare - you are the tortoise here. All of those small steps, in time, will cover a huge distance.
Sometimes we don't realize how much simple activities really cost us. Take the example of direct depositing your paycheck. One would assume that the difference between depositing your paycheck yourself and having it directly deposited into your bank would be minimal - maybe a $1.00 at most. The fact is that the actual cost of depositing a paycheck rather than having it directly deposited is more than 5 times that number.
According to a study conducted for NACHA (the electronic payments association) by Tinucci & Associates, the total direct and indirect costs of depositing a check yourself instead of using direct deposit is a whopping $5.88. That means that if you get paid every other week, it costs you more than $70 a year to deposit your own paycheck rather than having it directly deposited.
In addition to saving you money over making the deposit yourself, direct deposit can also save you on banking fees. Many banks offer incentives for you to have your paychecks directly deposited often waiving minimum balances for free checking. Simply ask your bank what incentives they offer when applying for it.
In order to avoid debt, it is crucial that we get the best price and value for our money on almost everything we buy. Over the years we’ve found that buying many items used makes this much easier than if we were buying things at retail prices. This was particularly true when we were young and had very little money to spend on big ticket items like furniture, appliances, and cars. We don’t buy everything used, however. There are some items that we’ve found to be good buys when purchased used and other things that aren’t so great. So what are some of the best things to buy used and how do you make sure you aren’t getting burned with someone else’s junk? Here are some tips and ideas.
Things that are good to buy used:
Things that you aren’t sure you’ll like and don’t want to sink much money into: Video games, DVD’s, music, and books are all good candidates for a used buy. If it turns out that it isn’t good or you don’t like it, you haven’t put much money into it. If you can rent or borrow the item first, that’s even better, but if buying is your only choice then used is the way to go.
These days you have to be really wise, especially when it comes to your finances. Spending on your car and its insurance coverage is no exception to this. Wouldn’t it be great if you can get the cheapest auto insurance possible? To do this, you must shop around. You can ask for help from people who can point you to the right direction, or you can log on to the Internet and do your research. There are many auto insurance discounts you might be eligible for, and you must be aware of them.
Schooling: If you’re a full-time student, you can hit two birds with one stone by maintaining grades that average at least a B in school. The first benefit is you can be eligible for the “good student discount,” which most insurance companies offer. The second benefit? You might just receive a school scholarship for your excellent academic performance. Other school-related discounts include being a college or 4-year university graduate, and being a current graduate school student.
Your occupation and membership in some professional organizations: Some insurance companies offer discounts for federal employees, teachers, members of the National Guard or the military, and members of organizations like AAA.
My state, like so many others, is awfully short on money these days. There have been budget cuts and tax increases in an effort to make up the shortfall. However, some of these cuts have threatened my bottom line more than others and forced me to become politically active to save my money.
Most recently, my county has threatened to shut down our local library branch. While this may not seem catastrophic, to an avid reader and someone who depends on the library for her research needs, this is a very big deal. If that branch closes it will mean an extra fifteen to twenty mile trip for me to get to the next closest library. With gas prices rising, that isn’t feasible for the long term. Neither is it feasible for me to purchase every book that I need. Even used prices are much more than the “free” price at the library.
There are many adjustments you can make in your life to save even more money. Believe it or not, there are many ways to save money and cut back on spending without it having to negatively affect your lifestyle. Finding the right opportunities and educating yourself of all the easy ways to save money, will guide you to a brighter luxurious future financially even if you aren’t close to being retired.
In 1978, Congress decided that Americans needed a bit of encouragement to save more money for retirement. They thought that if they gave people a way to save for retirement while at the same time lowering their state and federal taxes, they might just take advantage of it. So take advantage of the benefits of the 401(k) as soon as you can. It is doing everyone who plans on retiring a service. You could be saving money monthly because money inside a 401(k) is not taxed.
Here are some awesome calculators you can use to help plan your 401(k) and find out how much you can typically save if you act now.
Did you know that saving money is just like making money? Saving money can be just as satisfying as saving money. Have you ever heard that famous saying that a penny saved is a penny earned? Well that saying still holds true today in this modern world and surrounding your self with open opportunities can undoubtedly help you save/earn money – however you would like to call it. Here are some few sources and habits I generally use to save me bundles before a purchase.
Some good habits
Although these tips may sound minor, openly searching up the product name with the additional of the word “coupon” or “discounts” right after it, can sometimes unravel new opportunities to saving 20%, sometimes even 50% off the original price that you may have never knew about. However, this is not always true with real products that require shipping like items from Amazon or Ebay. But as you may know, every little saving counts. Even a mere 3% off can really add up. Lets say you purchased a Panasonic Lumix DMC-ZS3 10.1 MP Digital Camera for $227 and you got a coupon that says you get a 3% off the original price.
There is simply no way getting around buying groceries. Everyone has to buy groceries some way or another. It is one of those necessities you must purchase in order to, live. Although we cannot rule out groceries altogether, we can however, minimize how much we spend purchasing groceries with good habits, techniques, and discipline. Because you know… or else you will starve to death if you object purchasing groceries.
21 Ways to Save Money on Groceries
1. Go through catalogs, newspapers, or magazines and look for up-to-date coupons that you can simply cut out and use to save an extra buck or two. 2. Print and check up on the most recent coupons online to save money on groceries anywhere you go from Coupons.com 3. Eat before you go grocery shopping. You will spend less money at a grocery store if you shop when you are not hungry and are not tempted to buy more food. .....
Everyone enjoys getting something in the mail for free. There is very little that compares to opening your mailbox and finding it stuffed with goodies. The only real problem with getting things for free in the mail is finding offers that allow you to do so! There are many ways to find freebies online. Here are some tips to help get your started.
Step 1
Create an email address used just for the purpose of requesting freebies. While most freebies that you sign up for will probably be legitimate, there are a few offers out there that exist just for the same of harvesting your information. If this is the case you'll probably begin to get a lot of spam. By creating an email address just used for freebie offers you'll eliminate the risk of getting spam to your personal email inbox. I recommend choosing an email service that filters spam messages from your inbox.
