People that can start saving money, even $10 a week, are doing a great job. And just a year, $500 will be saved in your account. In reality, this is just the cash you are not spending. Saving a little bit here and there adds up over time, which can build up to a sizable fortune in no time at all. It does take time if you’re really strapped for cash and thing are looking a little bleak. You will be able to save money, but you need a plan of action and you need to stay positive. One of the best ways is to invest in tax free municipal bonds as explained here.
Some products, as you know, are made by brand name manufacturers, and others are house brands, or generic products. If you compare two equal products, it’s almost always the case that the brand-name product will be priced higher than the generic. Your grocery store, or supermarket, is where you will really see this in action. It’s just normal in America to know that a product made by a famous, established brand is going to be more expensive than a generic product. However, I’ve noted that most of the time there is really no difference when you compare the products, so you are simply paying more than is necessary if you buy brand names. Old habits die hard, and with all the media hype, it’s become natural to assume – and buy – the brand-name products instead of their generic counterparts. Do some serious comparison shopping and read the labels. Oftentimes, you will discover that there is no difference in the two products and you can save a bunch of money by buying a no-name product.
A garbage man or woman will typically come by to pick up our trash every week. This is something we pay for. The terms may vary, but the fee is usually on a volume basis and this is another place you can save money. You can save a lot of money by taking out glass, plastic, and metal from your trash that you usually throw away. Many services will take this from you at no charge which makes it very convenient. You will have far less trash when you start recycling, which will definitely help you in the long run. And when you have less trash dump, the monthly bill will certainly go down. A small carbon footprint is better than a large one! You will definitely help the environment by doing this. This is the green way of dealing with garbage and you’ll feel better for what you’re doing.
It is in your best interest to not use your ATM card with an ATM machine if you can. Here’s why. You can actually cost yourself quite a bit of money as the small fees add up every time you use them. It can cost a lot of money if you continue to do this every 30 days. If you use an ATM two or three times a week, then you’re looking at about $40 per month just associated with that. By adjusting this amount, you can get it right. It is in your best interest to restrict ATM use, getting it down to only a few times a month of possible. It may not seem like a lot of money, but it is almost $500 a year.
A good plan is to decide where you can make changes that will save money with your spouse or partner. Work all the details out and combine the power of more than one person. When you’re working side by side with someone else, it’s easier to keep a positive attitude and to encourage each other. Progress will come quickly when you work together.