No matter what your salary, you should be interested in saving money. Saving money doesn’t mean you have to revert to eating just Ramen noodles; in fact, money saving strategies don’t require you to alter your lifestyle at all. If you are interested in saving money (and really, who isn’t?) consider making the following small changes to your life:
Manufactures offer rebates because they know that most customers won’t take the time and effort to claim the rebate. When you are looking for products, try to find ones that offer rebates-and be sure to send those rebate tickets in.
Slow down your internet service
Just because the internet has become an essential utility doesn’t mean you should pay more for it. Internet providers try to lure you in with the promise of faster internet speeds, but websites only load as fast as the web host can upload information to you. Thus, if you pay more for a faster download speed, it won’t increase your browsing speed of.
Refinance your credit cards
Interest on credit cards is sky high and can cost you hundreds each month. Many credit card companies are willing to lower your interest rate to keep your business. Call and ask your credit card company to lower your interest rate; if they say no, research a card that has 0% APR on balance transfers and avoid paying any more interest than you have to.
Consider the cost of car insurance
Your car payment isn’t the only thing you have to think about when purchasing a car. The second largest expense related to your car is insurance, so it should be a concern when deciding on a new car. Before purchasing, find out which models are cheap cars to insure and limit your search to only these models. A cheaper monthly bill for car insurance can save you literally thousands over the course of a year.
You get what you pay for, so when purchasing an appliance, spend a bit more money to get a reliable one. This will save you money in the long run by avoiding expensive (and frustrating) repairs. In addition, many of these “nicer” appliances are designed to conserve electricity and/or water, saving you more money over the life of the appliance.
Use online promo codes to save money
When you purchase something online, there is usually spot to enter a promo code. Most people ignore this little box, but using it can save you money. Google promo codes before you begin shopping.
A specific type of promo code is a free charge code. FC codes give you a discount when you refill prepaid cell phone cards or prepaid gift cards online. Using FC offers is as simple as downloading a coupon code and recharging your cards through the Free Charge website.
Unwinding with a good book or movie is essential to relieve everyday stresses. This doesn’t have to cost you money, however; most libraries offer free DVD rentals, so the next time you are getting a book at your local library, pick up a DVD too.
Stick to a shopping list
Grocery stores are laid out specifically to get you to spend more money, so try to avoid this trap. Make a shopping list before you go and stick to it. In order to not miss out on any deals, check and see what is on sale before you go to the store.
Most people go out to eat at least once or twice a week. Eating at home is an easy way to save money, but if you must eat out, order your meal to go.; most restaurants are more than happy to let you pickup your order. When you bring food home, you avoid ordering costly drinks and save money on tips.
Get in shape
Getting in shape not only makes you feel better, but it can save you money too. Working out is usually cheap (especially if you don’t use a designer gym) and many workouts can be done outside for free. Getting in shape also lowers your medical expenses and gets you a better rate on life insurance policies.