21 Ways to Save

1. Think before you buy. Wait a week or two before making large purchases.
2. Keep good records. If you don't know how much you're spending, you can't control it.
3. Compare prices. Check around before you buy.
4. Pay with cash. Unless you pay credit cards off each month, you'll be charged interest on your purchases.
5. Check out library books or videos. It's cheaper than buying... it's free!
6. Bundle your insurance. Most insurance companies lower rates if you carry several policies with them.
7. Pay bills online. You'll save money on stamps.
8. Maintain your car. You'll save money on repairs.
9. Don't pay unnecessary fees. Go to your bank instead of paying ATM fees.
10. Never pay full price. Shop online for "gently used" items. Visit ebay.com or craigslist.org.
11. Don't buy something just because it's on sale. If you don't need it... don't buy it!
12. Drive less. Save money by carpooling or combining errand trips.
13. Stay busy. Get involved in an inexpensive hobby. You'll have less time to spend money.
14. Call during off hours. Many phone companies offer lower rates on nights and weekends.
15. Watch that habit. Daily trips to vending machines or drive-thrus can add up to hundreds of dollars.
16. Clip coupons. Those nickels and dimes add up to big bucks over time.
17. Shop at thrift stores and garage sales. But only buy items that you really need.
18. Skip the Starbucks. Make your own coffee and carry a thermos.
19. Quit smoking. You'll save money and maybe even your life.
20. Realize what your money is worth. One dinner out could buy a week's worth of groceries.
21. Commit to saving. Most of what we buy we don't need. Keep that purse or wallet closed.