sacrifice to save money

TIRED OF WORRYING ABOUT THE BILLS? WISH YOU HAD MONEY IN THE BANK?

MAYBE YOU NEED MONEY FOR CHRISTMAS, ANNIVERSARY, BIRTHDAY, OR A VACATION. OR MAYBE YOU NEED MONEY FOR SCHOOL, OR TO PAY OFF THOSE CREDIT CARDS AND GET THOSE CREDITORS OFF YOUR BACK.

WHAT EVER THE CASE MAYBE THE POINT IS YOU NEED SOME EXTRA CASH. WELL UNLESS YOU TAKE ON A SECOND JOB, ROB A BANK (WHICH I DON'T SUGGEST YOU DO), OR YOU RESORT TO SELLING ILLEGAL DRUGS THERE IS ONLY ONE OTHER WAY TO COME UP WITH THE EXTRA CASH. MOST PEOPLE WOULD RATHER GET A SECOND JOB. SOME PEOPLE CAN'T OR DON'T WANT TOO. THE ONLY OTHER WAY TO HAVE SOME EXTRA MONEY IS TO SAVE, SAVE, SAVE. I KNOW WHAT YOU ARE THINKING "HOW CAN I SAVE MONEY WHEN ALL MY MONEY GOES TO BILLS, FOOD AND GAS TO GET TO WORK?" WELL THERE ARE WAYS AND I AM ABOUT TO GO OVER SOME OF THEM HERE IN JUST A FEW MOMENTS BUT FIRST I WANT TO PREPARE YOU FOR WHAT YOU ARE ABOUT TO GET IN TO.

WE ARE GOING TO TALK ABOUT SACRIFICING TO SAVE MONEY. WHICH MEANS TO GIVE UP SOMETHING YOU LIKE IN ORDER TO SAVE MONEY. THOSE OF YOU ON A SET FIXED INCOME CAN ONLY SAVE MONEY IF YOU SACRIFICE. IF YOU LIVE PAYCHECK TO PAYCHECK OR YOU JUST WANT TO SAVE SOME EXTRA CASH WITH OUT HAVING TO GET A SECOND JOB THEN YOU NEED TO HAVE WILL POWER AND LEARN TO SACRIFICE. ONCE YOU LEARN HOW TO GIVE UP THE THINGS YOU LIKE THEN YOU WILL SEE THE $$$ START TO PILE UP. THIS IS NOT GOING TO BE EASY . TO GIVE UP THE THINGS YOU ARE USED TO HAVING OR DOING IS HARD. BUT YOU CAN DO IT AND IN A MONTH OR TWO YOU WILL BE GLAD YOU DID. YOU AREN'T GOING TO GET RICH BUT YOU COULD BUILD UP A LITTLE NEST EGG FOR THOSE TIMES OF NEED AND IF YOU LEARN HOW TO INVEST YOUR MONEY THEN YOU COULD HAVE EVEN MORE MONEY OVER TIME. I WILL COVER INVESTMENTS IN ANOTHER BLOG BUT FOR NOW WE ARE GOING TO COVER SOME WAYS TO SAVE MONEY SO CHECK OUT THE LIST BELOW. DOING THESE THINGS CAN SAVE YOU ALLOT OF MONEY EVERY MONTH.

1. STAY HOME MORE. OR WALK PLACES . THIS IS GOOD FOR YOUR HEALTH AND WILL HELP YOU SAVE ON YOUR GAS BILL.
2. QUIT GOING TO THE MOVIES.
3. STOP RENTING MOVIES.
4. IF YOU INSIST ON A MOVIE GO TO A RED BOX AND PAY $1 THIS WILL SAVE YOU UP TO $8 PER PERSON IF YOU WERE TO GO TO THE MOVIES.
5. CUT BACK ON BUYING SODA OR DON'T BUY IT AT ALL THIS ALONE COULD SAVE YOU UP TO $50 A MONTH
6. STOP BUYING THE NEWS PAPER MOST OF THE TIME YOU CAN READ IT ONLINE FOR FREE AND IF YOU DON'T HAVE A COMPUTER YOU COULD ASK YOUR NEIGHBOR TO BORROW HIS/HERS WHEN THEY ARE DONE READING IT. THAT WILL SAVE YOU AT LEAST $8 A MONTH
7. IF YOU USUALLY BUY COFFEE IN THE MORNING FROM STARBUCKS OR SOMETHING LIKE THAT STOP!!! MAKE IT YOURSELF AT HOME IT IS CHEAPER.
8. STOP BUYING TAKE OUT.
9. PACK A SACK LUNCH INSTEAD THIS WILL SAVE YOU ALLOT OF MONEY.
10. STOP IMPULSE BUYING TELL YOUR SELF IF I DON'T NEED IT THEN I CAN'T BUY IT.
11. IF YOU DON'T NEED IT DON'T BUY IT A SUGAR FIX IS NOT A NEED IT IS A WANT.
12. TELL YOUR SELF I WANT IT BUT I WILL WAIT AND IF I STILL WANT IT NEXT MONTH THEN I WILL BUY IT .(MOST LIKELY WHEN NEXT MONTH COMES WILL WANT SOME THING ELSE AND THEN EVE,N IF YOU STILL DO WANT IT IT IS NOW COMING OUT OF NEXT MONTHS PAYCHECKS NOT THIS MONTHS SO THIS MONTH YOU SAVED SOME MONEY.)
13. ONLY BUY CLOTHES EVERY 3 TO 6 MONTHS AND THEN ONLY BUY WHAT YOU NEED.
14. IF YOU SMOKE STOP OR CUT BACK , INSTEAD OF SMOKING A WHOLE PACK SMOKE A HALF A PACK. I QUIT SMOKING AND NOW I AM SAVING $150 A MONTH IF YOU AT LEAST CUT BACK YOU COULD SAVE AROUND $75 AND THAT IS A LOT OF MONEY WHEN YOU DON'T HAVE ANY.
15. IF YOU CAN LIVE WITH OUT A CELL PHONE DO IT!!! GET A HOUSE PHONE IT IS CHEAPER. IF YOU CAN'T LIVE WITH OUT IT TURN OFF ALL THAT TEXT MSG AND INTERNET STUFF , FIND A CHEAPER PLAN IF YOU CAN
16. TURN OFF THE HEATER IN THE WINTER AND USE THE FIRE PLACE IF YOU HAVE ONE IF NOT KEEP THE TEMP BETWEEN 60 AND 70 DEGREES ALL THE TIME
17. IN THE SUMMER DON'T RUN THE AC UNLESS YOU HAVE TO OR YOU CAN KEEP IT AT 79 OR 80 DEGREES THIS IS THE MONEY SAVER.
18. TAKE QUICK SHOWERS 10 TO 15 MINUTES SHOULD BE LONG ENOUGH
19. WHEN SHOPPING BUY THE ITEMS THAT ARE IN SEASON LIKE ORANGES IN THE SUMMER AND BANANA'S, ETC. BUY THE MEAT THAT IS ON SALE. HAMBURGER MEAT AND CHICKEN ARE USUALLY CHEAP MEATS DON'T BUY STEAK , LOBSTER OR CRAB. BUY PASTAS BECAUSE THEY GO ALONG WAY AND WILL FILL YOU UP FAST. WHEN EVER YOU CAN BUY IN BULK , THIS WILL SAVE YOU THE BIG BUCKS.
20. WHEN GETTING GAS GET THE CHEEP GAS.
21. AVOID USING YOUR CREDIT OR GAS CARDS BECAUSE YOU ARE GIVING AWAY YOUR MONEY IN THE INTEREST THAT THEY CHARGE , ONLY USE THEM IN AN EMERGENCY. IF YOU HAVE MORE THAN ONE CREDIT CARD FIND THE ONE WITH THE LOWEST INTEREST RATE AND TRANSFER THE OTHER BALANCES TO THAT ONE THAT WAY YOU WILL ONLY HAVE ONE BILL TO WORRY ABOUT AND SAVE MONEY IN INTEREST AT THE SAME TIME.
22. TURN OFF LIGHTS DURING THE DAY AND ONLY USE THE SUN LIGHT.
23. TURN OFF LIGHTS WHEN YOU AREN'T IN THE ROOM.
24. IF YOU HAVE A BACK YARD GROW YOUR OWN VEGETABLES.
25. IF YOU LIVE CLOSE TO A CO-WORKER ASK IF YOU CAN CAR POOL .THIS WILL SAVE HALF YOUR GAS BILL FOR THE MONTH.
26. SHOP AROUND FOR DEALS DON'T JUST BUY THE FIRST THING YOU SEE.
27. IF YOU ARE BUYING A GIFT. PLAN IT IN ADVANCE AND BUY IT ONLINE FROM EBAY, AMAZON ETC. IT WILL BE ALLOT CHEAPER THAN IN THE STORES.
28. STOP BUYING THAT HAIR DIE. AT LEAST FOR A LITTLE WHILE.
29. READ MORE BOOKS AND WATCH LESS TV
30. IF YOU HAVE THE INTERNET USE IT ONLY WHEN YOU NEED TOO. THIS WILL SAVE ON THAT ELECTRIC BILL.
31. USE COUPONS.
32. BUY USED ITEMS.
33. GO TO THE FOOD BANKS. IF YOU CAN
34. BUY GENERIC ITEMS INSTEAD OF BRAND NAME.
35. SHOP AT THRIFT STORES FOR CHEAP CLOTHES
36. DON'T BUY BOOKS. GO TO THE LIBRARY AND CHECK THEM OUT OR GO TO THE BOOK STORE AND READ THEM THERE.
37. RENT KIDS MOVIES FROM THE LIBRARY IT IS FREE.
38. WHEN PLANNING FAMILY OUTINGS FIND THE FREE THINGS TO DO LIKE SWIMMING AT THE LAKE IN THE SUMMER. ARTS AND CRAFTS AT THE LIBRARY, MOVIE IN THE PARK NOT ALL STATES AND CITIES OFFER THIS BUT STILL THERE ARE A LOT OF FREE THINGS TO DO. SOME MUSEUMS OFFER ONE DAY A MONTH FREE ENTRANCE. FIND THINGS LIKE THIS TO DO. THE FAMILY WILL LOVE IT AND IT WILL SAVE A LOT OF MONEY.
39. IF YOUR RENT IS TOO HIGH LOOK FOR ANOTHER PLACE WHERE THE RENT IS CHEAPER.
40. IF YOU CAN DO IT YOUR SELF THEN DON'T BE LAZY GO AHEAD AND DO IT YOUR SELF FOR INSTANCE I KNOW HOW TO CUT HAIR SO I CUT MY BOYS HAIR MYSELF WHICH SAVES ME $30 A MONTH.
41. CHANGE YOUR OWN OIL IN YOUR CAR.
42. INSTALL A WATER SAVER IN YOUR TOILET. THIS WILL SAVE ON YOUR WATER BILL.
43. SAVE YOUR CANS AND BOTTLES THAT IS MONEY IN THE POCKET
44. REDUCE YOUR CABLE PACKAGE IF YOU HAVE ALL THE CHANNELS LIMIT YOUR SELF TO BASIC CABLE
45. AVOID BUYING JUNK FOOD.
46. WHEN EATING OUT AVOID THE EXPENSIVE RESTAURANTS INSTEAD GO TO MCDONALDS , BURGER KING, JACK IN THE BOX, TACO BELL, DEL TACO, WHERE THE MEALS ARE UNDER $8. IF YOU HAVE TO EAT AT AN EXPENSIVE RESTAURANT STAY AWAY FROM THE APPETIZERS AND DON'T ORDER DESERT DRINK WATER INSTEAD OF SODA BECAUSE THE WATER IS FREE A SODA CAN COST UP TO $1.99 EACH AND EVEN ON REFILLS. FIND THE CHEAPEST MEALS. AND BUY THEM.
47. SHOP AT THE 99 CENT STORES OR DOLLAR STORES. OFTEN TIMES YOU WILL FIND THE SAME ITEMS THERE THAT YOU WOULD FIND SOMEWHERE ELSE FOR A FRACTION OF THE COST.
48. GO TO FARMERS MARKETS , YOU WILL FIND QUALITY PRODUCE FOR LESS THAN YOU WOULD PAY IN THE STORES.

THIS IS JUST TO LIST A FEW. THERE ARE MANY THINGS YOU CAN DO TO SAVE MONEY. GET CREATIVE SEE HOW MUCH MONEY YOU CAN SAVE EACH MONTH

AND IF YOU ARE WANTING TO MAXIMIZE YOU SAVINGS YOU CAN PUT THE MONEY YOU SAVE INTO A ROTH IRA , OR A 401K IF YOUR EMPLOYER OFFERS IT. OR YOU CAN BUY SOME SAVINGS BONDS , OR INVEST IN MUTUAL FUNDS. BEFORE YOU DO , MAKE SURE YOU DO YOUR HOME WORK. THAT WAY ALL THAT HARD WORK WASN'T FOR NOTHING. THERE IS A LOT OF INFORMATION AND PLACES THAT CAN HELP YOU WITH INVESTING YOUR MONEY.

HOPE YOU ENJOYED THIS LESSON . FEEL FREE TO COMMENT ANY TIME.

DISCLAIMER: I AM NOT A FINANCIAL ADVISOR SO BEFORE YOU START INVESTING I RECOMMEND TALKING TO A PROFESSIONAL. THIS LESSON IS INTENDED AS JUST HELPFUL INFORMATION. AND IS NOT A GUARANTEE OF FINANCIAL STATUS.