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1 Save on energy costs - use power-saving CFL lights, monitor and change your thermostat's temperature as required during daytime and night and don't leave lights/appliances on when you don't require them.
2. Instead of going to the movies rent or borrow one. If you must go to the movies go to an early matinee and save some money.
3. Instead of meeting friends at the coffee shop or bar, call them home. Potluck dinner parties are a good idea.
4. Do you eat out at work? Plan ahead and pack your lunch.
5. Share rides to work with co-workers or use public transportation.
6. Buy generic drugs instead of branded ones.
7. Do you see a good sale for a product you use anyway? Stock up whenever possible! If you have coupons for the sale item you can save even more.
8. Call long-distance in the evening and on weekends. If you make a lot of long distance calls look for a plan that offers unlimited free long distance.
9. At the end of the day get into the habit of putting all your spare change in a jar. Once it is full roll it and put it in a savings account. Some banks will even count it for you for free.
10. Never pay full price for clothing. Check the sales flyers in your Sunday paper. Why pay full price on a pair of jeans at one store when another store is having a sale?
11. Stop smoking. Easier said than done but can you really afford not to?
12. Install a water saver type shower head.
13. Save the cost of a gym membership and work out at home.
14. Keep your vehicle well maintained. That way you will hopefully get many more miles out of it well after it is paid off.
15. Shop in discount stores - even Warren Buffet does that!
16. Do you have high interest credit cards? Consider refinancing or making power payments each month (making more than the minimum payments).
17. Keep your pantry stocked with ingredients for quick meals that your family enjoys. This will keep you from ordering a pizza on those evenings that you just don't know what to make.
18. Always bargain at shops and look at a few options before making a purchase. If you're buying fancy stuff like jewelry, buy it from a pawn shop.
19. If you're paying a high rent, move to a cheaper place.
20. Try Freecycle.org for getting and receiving unwanted items for free. One man's trash is another man's treasure!
21. Stick with basic cable. Your family might balk at the idea but your wallet will thank you.
22. Do your own manicures and pedicures. Color your hair at home.
23. Start a savings account just for emergencies. Start small like $5.00 per week.
24. When shopping for your work wardrobe try to avoid anything that is "dry clean only".
25. See if you can get a better price on insurance. Some companies will give you a deal if you carry all your policies (car, homeowners, etc) through them.
26. Cut back on soft drinks. Water is a much healthier alternative.
27. Reduce clutter and earn some extra money with a garage sale.
28. Always pay your bills on time. Late fees can really eat up your budget.
29. Try your hand at gardening. If you are limited on space check online for information on raised beds or container gardening.
30. Know when to splurge. Cut back on the trivial things that eat up your paycheck and you can splurge occasionally on something fun.
Whether you try just a few of these tips or all of them, these tips can really help you stretch your budget.
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